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	<title>Quality Credit Solutions &#187; Week</title>
	<atom:link href="http://www.qualitybsolutions.com/tag/week/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.qualitybsolutions.com</link>
	<description>find it here!</description>
	<lastBuildDate>Fri, 10 Feb 2012 03:50:19 +0000</lastBuildDate>
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		<title>Alliant &amp; PSECU?</title>
		<link>http://www.qualitybsolutions.com/general-credit/alliant-psecu/</link>
		<comments>http://www.qualitybsolutions.com/general-credit/alliant-psecu/#comments</comments>
		<pubDate>Fri, 22 Apr 2011 06:05:32 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[General Credit]]></category>
		<category><![CDATA[alliant]]></category>
		<category><![CDATA[college-loans]]></category>
		<category><![CDATA[reading-posts]]></category>
		<category><![CDATA[rebuilding]]></category>
		<category><![CDATA[roughly-650]]></category>
		<category><![CDATA[scores]]></category>
		<category><![CDATA[the-rebuilding]]></category>
		<category><![CDATA[Week]]></category>
		<category><![CDATA[Year]]></category>

		<guid isPermaLink="false">http://www.qualitybsolutions.com/quality/alliant-psecu/</guid>
		<description><![CDATA[ Earlier this week I joined Alliant, checking &#038; savings with direct deposit. ]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:left;"><div class="socialize-in-button socialize-in-button-left"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://www.qualitybsolutions.com/general-credit/alliant-psecu/" data-text="Alliant &amp; PSECU?" data-count="vertical" data-via="socializeWP" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-left"><iframe src="http://www.facebook.com/plugins/like.php?href=http://www.qualitybsolutions.com/general-credit/alliant-psecu/&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div></div><p>Earlier this week I joined Alliant, checking &#038; savings with direct deposit. I didn&#8217;t apply for any type of credit. My EX is roughly 650, EQ &#038;TU are likely lower.</p>
<p> </p>
<p>Is there any point in joining PSECU, provided I&#8217;m accepted with my scores, other than EX scores? I&#8217;m still in the rebuilding process and hope to get some college loans later this year.</p>
<p> </p>
<p>Despite reading posts here, I&#8217;m perplexed why people join multiple CUs?</p>
<ul><li><a href="http://www.qualitybsolutions.com/general-credit/alliant-psecu/" title="psecu">psecu</a></li><li><a href="http://www.qualitybsolutions.com/general-credit/alliant-psecu/" title="psecu vs alliant">psecu vs alliant</a></li></ul>]]></content:encoded>
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		<item>
		<title>Individual wants to break lease with multiple tenants</title>
		<link>http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/</link>
		<comments>http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/#comments</comments>
		<pubDate>Thu, 21 Apr 2011 04:37:16 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[consent]]></category>
		<category><![CDATA[during-the-week]]></category>
		<category><![CDATA[house]]></category>
		<category><![CDATA[landlord-tenant]]></category>
		<category><![CDATA[lawn]]></category>
		<category><![CDATA[lease]]></category>
		<category><![CDATA[leasing]]></category>
		<category><![CDATA[roommates]]></category>
		<category><![CDATA[Summer]]></category>
		<category><![CDATA[Week]]></category>

		<guid isPermaLink="false">http://www.qualitybsolutions.com/quality/individual-wants-to-break-lease-with-multiple-tenants/</guid>
		<description><![CDATA[ I have four roommates in the house that I have currently been renting for the past 5 months. ]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:left;"><div class="socialize-in-button socialize-in-button-left"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" data-text="Individual wants to break lease with multiple tenants" data-count="vertical" data-via="socializeWP" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-left"><iframe src="http://www.facebook.com/plugins/like.php?href=http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div></div><p><!-- BEGIN TEMPLATE: postbit_external --></p>
<div>I have four roommates in the house that I have currently been renting for the past 5 months. One of the roommates moved out because she got pregnant and we have a replacement. She broke the lease and the leasing agency is trying to have the 5 of us sign a new lease. This brought some concern because they want us to agree to another year and we are unsure if we want to live here for another year at this moment and liked when the lease ended before. </p>
<p>-Why doesn&#8217;t the old lease contract still hold up for the rest of us?<br />
- The girl broke the lease without the rest of us agreeing upon anything or signing paper work. Is this the correct or normal procedure? Can she do this without our consent?</p>
<p>- On a side note:</p>
<p>          The current lease states that we are responsible for the upkeep of the lawn. We have been doing normal upkeep on the weekends, every weekend, because during the week we do not have time to take care of it with the remaining, if any, daylight. This week, however, it rained a lot and continued through the weekend. The grass got long and without our consent a service was provided. I asked our leasing agent if this was a normal service and she said it was, during the summer months contradicting the leasing agreement, with no additional fee.</p>
<p>- Are we to be held responsible for any payments for the service, even though we did not know or consent to having the service performed?<br />
-What can they deem irresponsible care of the grounds?<br />
-Are we required to be notified if a complaint has been filed against our lawn upkeep?</p>
<p>    I apologize for the long winded post but I am unclear about what to do in this situation. I would like to thank anyone who is able to provide helpful information on this matter in advanced.</p></div>
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<ul><li><a href="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" title="Breaking a lease with multiple tenants">Breaking a lease with multiple tenants</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" title="Guarantor on lease with multiple tenants">Guarantor on lease with multiple tenants</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" title="break lease multiple tenants">break lease multiple tenants</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" title="breaking lease in cases of multiple tenants">breaking lease in cases of multiple tenants</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" title="breaking lease with multiple">breaking lease with multiple</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" title="lease break multiple tenants">lease break multiple tenants</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" title="lease break multiple tennants">lease break multiple tennants</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" title="multiple tenants on lease">multiple tenants on lease</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/individual-wants-to-break-lease-with-multiple-tenants/" title="what to do when one of mutiple tenents breaks the lease">what to do when one of mutiple tenents breaks the lease</a></li></ul>]]></content:encoded>
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		</item>
		<item>
		<title>Happy Holidays and More News</title>
		<link>http://www.qualitybsolutions.com/mortgage/happy-holidays-and-more-news/</link>
		<comments>http://www.qualitybsolutions.com/mortgage/happy-holidays-and-more-news/#comments</comments>
		<pubDate>Mon, 18 Apr 2011 14:52:29 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[dictionary]]></category>
		<category><![CDATA[easter]]></category>
		<category><![CDATA[Guide]]></category>
		<category><![CDATA[infrastructure]]></category>
		<category><![CDATA[legal]]></category>
		<category><![CDATA[legal-forms]]></category>
		<category><![CDATA[monthly-legal]]></category>
		<category><![CDATA[press-release]]></category>
		<category><![CDATA[spring]]></category>
		<category><![CDATA[thoughts]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[Week]]></category>

		<guid isPermaLink="false">http://www.qualitybsolutions.com/quality/happy-holidays-and-more-news/</guid>
		<description><![CDATA[ Hi guys, lots to talk about tonight and I'll be elaborating in TheLaw.com blog, which I promise I'll finally keep updated. ]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:left;"><div class="socialize-in-button socialize-in-button-left"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://www.qualitybsolutions.com/mortgage/happy-holidays-and-more-news/" data-text="Happy Holidays and More News" data-count="vertical" data-via="socializeWP" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-left"><iframe src="http://www.facebook.com/plugins/like.php?href=http://www.qualitybsolutions.com/mortgage/happy-holidays-and-more-news/&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div></div><p><!-- BEGIN TEMPLATE: postbit_external --></p>
<div>Hi guys, lots to talk about tonight and I&#8217;ll be elaborating in TheLaw.com blog, which I promise I&#8217;ll finally keep updated. So much to do so little time! Wishing a very Happy and Healthy Passover and Easter this week (Good Friday is closing in too)&#8230;</p>
<p>This week will see significant new changes, virtually all for the good!</p>
<p>(1) Next week we will be putting out a press release &#8211; <a href="http://www.thelaw.com/the-law-guide-free-iphone-app-android-app/" target="_blank">The Law Guide &#038; Law Dictionary</a> is expected to exceed 80,000 downloads! We&#8217;re excited. Tell the world, download the app and, of course, give us a great rating. <img src='http://www.qualitybsolutions.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  Expect a lot more foot traffic here over the next few weeks as we&#8217;ll also be announcing some partnerships (discounts for incorporating small businesses, etc.)</p>
<p>(2) The forums are going to undergo a MAJOR revision and I mean MAJOR. We have decided to add about 30 new subforums and move all the posts into the right areas so that things like Criminal Law will be subdivided into arrests and searches, a special section just for DUI-DWI, etc.  While it&#8217;s more to look at, I think you&#8217;ll all be pleased with the much cleaner organization.</p>
<p>(3) Just a couple of extra house ads for TheLaw.com &#8211; I hope you don&#8217;t mind, just one in every thread and it won&#8217;t be obtrusive. Someone has to pay for all this great work! As always, intrusions here are at a complete minimum. Since people do come here to ask for advice but also to get an attorney, I hope they choose us and support the cause. <img src='http://www.qualitybsolutions.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>(4) Free Legal Forms &#8212; FINALLY&#8230; we will be uploaded a very large number of them in our special forms section. I think you&#8217;ll be pleasantly surprised by how many new free legal forms we will have. <img src='http://www.qualitybsolutions.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>(5) The Monthly Legal Quiz &#8211; Yes, I&#8217;m going to have a few exams here to keep everyone on their toes, special prizes for the winner!</p>
<p>(6) A giveaway&#8230; I&#8217;ll be doing a promo and will give away a free music and video player, everyone can enter. <img src='http://www.qualitybsolutions.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>(7) I&#8217;ll be back posting up a storm as usual but someone had to get all this infrastructure done. I&#8217;ll be finishing the cleanup for the quick member login on the site, which was long overdue.</p>
<p>(8) Video &#8211; legal videos starring&#8230; well&#8230; you know who! I&#8217;ll also have a little &#8220;about us&#8221; that will tell you more about how I founded the site some 16 years ago. The video is very funny for me to watch&#8230; enjoy!</p>
<p>I&#8217;ve got a lot more news&#8230; but this will be it for now. I hope everyone is having a great Spring! Let us know your thoughts on all of the above and, as always, thanks for participating here!</p></div>
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		<item>
		<title>Consolidating CC debt</title>
		<link>http://www.qualitybsolutions.com/general-credit/consolidating-cc-debt/</link>
		<comments>http://www.qualitybsolutions.com/general-credit/consolidating-cc-debt/#comments</comments>
		<pubDate>Tue, 15 Mar 2011 01:25:48 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[General Credit]]></category>
		<category><![CDATA[close-escrow]]></category>
		<category><![CDATA[someone-chime]]></category>
		<category><![CDATA[Week]]></category>

		<guid isPermaLink="false">http://www.qualitybsolutions.com/quality/consolidating-cc-debt/</guid>
		<description><![CDATA[ I close escrow this week on a new property. ]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:left;"><div class="socialize-in-button socialize-in-button-left"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://www.qualitybsolutions.com/general-credit/consolidating-cc-debt/" data-text="Consolidating CC debt" data-count="vertical" data-via="socializeWP" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-left"><iframe src="http://www.facebook.com/plugins/like.php?href=http://www.qualitybsolutions.com/general-credit/consolidating-cc-debt/&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div></div><p>I close escrow this week on a new property. I would like to consolidate my cc debt after I close. I&#8217;m unsure if that would be okay to do. Can someone chime in on suggestions. Thanks.</p>
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		<title>can you pay rent with a CC?</title>
		<link>http://www.qualitybsolutions.com/general-credit/can-you-pay-rent-with-a-cc/</link>
		<comments>http://www.qualitybsolutions.com/general-credit/can-you-pay-rent-with-a-cc/#comments</comments>
		<pubDate>Sat, 19 Feb 2011 01:28:14 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[General Credit]]></category>
		<category><![CDATA[accepts-checks]]></category>
		<category><![CDATA[cards-somehow]]></category>
		<category><![CDATA[checks-as-rent]]></category>
		<category><![CDATA[dumb-question]]></category>
		<category><![CDATA[get-checks]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[might-get]]></category>
		<category><![CDATA[probably-pretty]]></category>
		<category><![CDATA[rent]]></category>
		<category><![CDATA[rent-every]]></category>
		<category><![CDATA[the-answer]]></category>
		<category><![CDATA[the-week]]></category>
		<category><![CDATA[through-credit]]></category>
		<category><![CDATA[Week]]></category>

		<guid isPermaLink="false">http://www.qualitybsolutions.com/quality/can-you-pay-rent-with-a-cc/</guid>
		<description><![CDATA[ the answer is probably pretty simple, but maybe not.  my landlord only accepts checks as rent, which is probably pretty common.  is there any way to get checks through credit cards somehow?  i mean i know i might get cited for dumb question of the week, it just really irks me that i pay 2k in rent and get 2% cash back and could be getting $40 off my rent every month!! ]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:left;"><div class="socialize-in-button socialize-in-button-left"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://www.qualitybsolutions.com/general-credit/can-you-pay-rent-with-a-cc/" data-text="can you pay rent with a CC?" data-count="vertical" data-via="socializeWP" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-left"><iframe src="http://www.facebook.com/plugins/like.php?href=http://www.qualitybsolutions.com/general-credit/can-you-pay-rent-with-a-cc/&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div></div><p>the answer is probably pretty simple, but maybe not.  my landlord only accepts checks as rent, which is probably pretty common.  is there any way to get checks through credit cards somehow?  i mean i know i might get cited for dumb question of the week, it just really irks me that i pay 2k in rent and get 2% cash back and could be getting $40 off my rent every month!!</p>
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		<item>
		<title>Can I be double taxed on personal propety taxes on my vehicles</title>
		<link>http://www.qualitybsolutions.com/mortgage/can-i-be-double-taxed-on-personal-propety-taxes-on-my-vehicles/</link>
		<comments>http://www.qualitybsolutions.com/mortgage/can-i-be-double-taxed-on-personal-propety-taxes-on-my-vehicles/#comments</comments>
		<pubDate>Thu, 20 Jan 2011 12:33:52 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[already-paid]]></category>
		<category><![CDATA[daily]]></category>
		<category><![CDATA[from-the-state]]></category>
		<category><![CDATA[general - misc topics]]></category>
		<category><![CDATA[get-information]]></category>
		<category><![CDATA[kentucky]]></category>
		<category><![CDATA[missouri]]></category>
		<category><![CDATA[our-vehichles]]></category>
		<category><![CDATA[question]]></category>
		<category><![CDATA[state]]></category>
		<category><![CDATA[the-state]]></category>
		<category><![CDATA[time-period]]></category>
		<category><![CDATA[vehicles]]></category>
		<category><![CDATA[Week]]></category>

		<guid isPermaLink="false">http://www.qualitybsolutions.com/quality/can-i-be-double-taxed-on-personal-propety-taxes-on-my-vehicles/</guid>
		<description><![CDATA[ Unknown to us until this week we just received a bill from the state of Kentucky charging us personal property tax on our vehichles for Jan-Dec of 2010. We moved from the state of Ky to Missouri in August of 2010. We registered our vehicles in Mo and paid personal property tax on those vehicles when we registered them here]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:left;"><div class="socialize-in-button socialize-in-button-left"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://www.qualitybsolutions.com/mortgage/can-i-be-double-taxed-on-personal-propety-taxes-on-my-vehicles/" data-text="Can I be double taxed on personal propety taxes on my vehicles" data-count="vertical" data-via="socializeWP" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-left"><iframe src="http://www.facebook.com/plugins/like.php?href=http://www.qualitybsolutions.com/mortgage/can-i-be-double-taxed-on-personal-propety-taxes-on-my-vehicles/&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div></div><p><!-- BEGIN TEMPLATE: postbit_external --></p>
<div>Unknown to us until this week we just received a bill from the state of Kentucky charging us personal property tax on our vehichles for Jan-Dec of 2010.  We moved from the state of Ky to Missouri in August of 2010.  We registered our vehicles in Mo and paid personal property tax on those vehicles when we registered them here.  So my question is can KY charge us tax on those vehicles for Aug-Dec when we didn&#8217;t live in KY and we already paid taxes once for that time period in MO.  Isn&#8217;t that double taxation?<br />
Plus they are accuring interest on this daily while we are trying to get information from the to protest it which has not been easy to obtain either.</div>
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		<item>
		<title>Scared of saying no and being fired, need advice urgently! Thank you!</title>
		<link>http://www.qualitybsolutions.com/mortgage/scared-of-saying-no-and-being-fired-need-advice-urgently-thank-you/</link>
		<comments>http://www.qualitybsolutions.com/mortgage/scared-of-saying-no-and-being-fired-need-advice-urgently-thank-you/#comments</comments>
		<pubDate>Mon, 17 Jan 2011 11:13:55 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[conversation]]></category>
		<category><![CDATA[Current]]></category>
		<category><![CDATA[during-the-week]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[hiring, firing]]></category>
		<category><![CDATA[Kids]]></category>
		<category><![CDATA[location]]></category>
		<category><![CDATA[Person]]></category>
		<category><![CDATA[regional]]></category>
		<category><![CDATA[store]]></category>
		<category><![CDATA[TIME]]></category>
		<category><![CDATA[Week]]></category>
		<category><![CDATA[work]]></category>

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		<description><![CDATA[ Hello. I am not sure if I am posting this in the correct section or not]]></description>
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<div>Hello. I am not sure if I am posting this in the correct section or not. If it&#8217;s in the wrong place, my apologies, and if someone points that out to me, I&#8217;ll move it over to the right section. Thanks. This question is about PENNSYLVANIA.</p>
<p>
My work wants to offer me a transfer to another store in our chain 52 miles from my home. I do not want to take it. I cannot afford the commute gas wise and childcare wise and it would mean basically no time with my children during the week. I can&#8217;t afford to actually move. Plus it would mean uprooting my son from school and friends and all of us starting out in a place where we don&#8217;t know anyone when we are essentially happy where we are. As I started to bring these points up with the regional manager, he just said it wouldn&#8217;t be for a while and cut the conversation short by telling me to just go away and think about it. I looked it up, and from what I can gather, I cannot be compelled to move more than 50 miles away for a job transfer without volunteering. However this week, my immediate boss told me that the regional manager is coming in again this week to talk to me about a temporary cover, where I would move to a different store to fill in for a lady that needs six weeks off to have a surgery. This has me worried for a number of reasons. </p>
<p>First, the location of the fill in store is almost exactly half way between my current store and the store with the first job transfer mentioned, the permanent one. I am worried that during those six weeks, &#8216;somehow&#8217; my current job will &#8216;dissolve&#8217; or the person filling in for ME will want to stay, settle in, etc etc. If that happens, I don&#8217;t want to be &#8216;made to stay on&#8217; at the six week transfer place just because that is within 50 miles of where I live. I am also worried that this is &#8216;a stepping stone&#8217;. Like, once they have me half way, so to speak, it then makes it harder for me to say no to the 52 mile move because it&#8217;s now far less than that from where &#8216;I&#8217;m currently working&#8217;. </p>
<p>Aside from those concerns, I cannot afford the extra gas for the six weeks. And I would need about three hours extra child care every school day (currently I only need it after school, whereas then I would need it before school also), which I cannot afford. Also, I will miss time with my kids during the week even if I could afford those things. Time I am choosing not to miss by existing in my current job that allows me that time. I am certain that the company will offer me mileage for the gas use during those six weeks. However, I know they will not pay for additional childcare. The arrangement I have now is completely affordable to me and amounts to not even one hour after school between the time school finishes and the time I get out. I know that I can apply for a child care benefit because of my overall income, which I may or may not get I don&#8217;t know, but I don&#8217;t want to have to do that. </p>
<p>My history with the company is about 18 months. I have been moved quickly up through a few positions, presumably because they were happy with my work ethic and ability. I have never had an unauthorized day off work for any reason. I have never had any warning or disciplinary action. My employee file is clean and good looking. </p>
<p>I fear that these two offers are tied somehow. My questions are:</p>
<p>Am I correct in that I can refuse to be transfered the 52 miles to the new store permanently based on family needs and the fact that I can&#8217;t afford it?</p>
<p>Can I refuse to take this six week transfer based on the fact that I cannot afford the childcare and don&#8217;t want to do that to my kids anyway?</p>
<p>If I refuse either and I am fired, do I have a case of unfair dismissal? (I don&#8217;t mean suing them out of money, I mean compelling them not to fire me for that reason, as in take me back etc)<br />
If I refuse either and I am demoted, do I have a case of unfair treatment?</p>
<p>If I transfer for six weeks, they have to have someone to take over my same position at my current store, so on some level, they &#8216;could&#8217; just offer this transfer to my six week replacement instead&#8230;.</p>
<p>I am just scared. I want to say no. For my kids, for myself, for my finances. But I need this job, and I actually really like this job,  and I haven&#8217;t done anything wrong. </p>
<p>Would somebody be able to explain any answers to those questions that I have, in as much detail as you are able, so I have as much knowledge going in with me to my conversation this week with the regional manager. If you are able to point me out to any wording in any employment laws for the state that is relevant in my case that I could point out if this all goes wrong for me? Or just some general knowledgeable advice on how I can possibly say no without &#8216;unspoken-ly&#8217; jeopardizing my job?</p>
<p>Many many many thanks to anyone that responds to me with help, you&#8217;ve no idea how grateful I will be for any and all advice, so thank you in advance x</p></div>
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<ul><li><a href="http://www.qualitybsolutions.com/mortgage/scared-of-saying-no-and-being-fired-need-advice-urgently-thank-you/" title="can i be fired for not transferring to another store">can i be fired for not transferring to another store</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/scared-of-saying-no-and-being-fired-need-advice-urgently-thank-you/" title="can you be terminated if i refuse a transfer">can you be terminated if i refuse a transfer</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/scared-of-saying-no-and-being-fired-need-advice-urgently-thank-you/" title="do i have the right to refuse being transferred to another store?">do i have the right to refuse being transferred to another store?</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/scared-of-saying-no-and-being-fired-need-advice-urgently-thank-you/" title="fired for saying no">fired for saying no</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/scared-of-saying-no-and-being-fired-need-advice-urgently-thank-you/" title="scared i will be sacked">scared i will be sacked</a></li><li><a href="http://www.qualitybsolutions.com/mortgage/scared-of-saying-no-and-being-fired-need-advice-urgently-thank-you/" title="scared of being fired">scared of being fired</a></li></ul>]]></content:encoded>
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		<title>what options does my brother have to bypass a prison sentence?</title>
		<link>http://www.qualitybsolutions.com/mortgage/what-options-does-my-brother-have-to-bypass-a-prison-sentence/</link>
		<comments>http://www.qualitybsolutions.com/mortgage/what-options-does-my-brother-have-to-bypass-a-prison-sentence/#comments</comments>
		<pubDate>Thu, 11 Nov 2010 01:18:08 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Brother]]></category>
		<category><![CDATA[charges]]></category>
		<category><![CDATA[from-last]]></category>
		<category><![CDATA[general - criminal law]]></category>
		<category><![CDATA[person-at-work]]></category>
		<category><![CDATA[program-called]]></category>
		<category><![CDATA[serving-prison]]></category>
		<category><![CDATA[the-charges]]></category>
		<category><![CDATA[Week]]></category>

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		<description><![CDATA[ In Dec. 2009, my brother was convicted of breaking and entering and theft. ]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:left;"><div class="socialize-in-button socialize-in-button-left"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://www.qualitybsolutions.com/mortgage/what-options-does-my-brother-have-to-bypass-a-prison-sentence/" data-text="what options does my brother have to bypass a prison sentence?" data-count="vertical" data-via="socializeWP" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-left"><iframe src="http://www.facebook.com/plugins/like.php?href=http://www.qualitybsolutions.com/mortgage/what-options-does-my-brother-have-to-bypass-a-prison-sentence/&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div></div><p><!-- BEGIN TEMPLATE: postbit_external --></p>
<div>In Dec. 2009, my brother was convicted of breaking and entering and theft. In Jan. 2010, he was accepted into a post adjudication program called drug court. Last month he was he was charged with public intoxication, breaking and entering and theft by receiving. This week he was dismissed from Drug Court due to the charges from last month. The theft by receiving was for a GPS that he bought from a person at work. My question is what options does he have to keep from serving prison time, or any suggestions?</div>
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		<title>In Debt and Just Laid Off</title>
		<link>http://www.qualitybsolutions.com/general-credit/in-debt-and-just-laid-off/</link>
		<comments>http://www.qualitybsolutions.com/general-credit/in-debt-and-just-laid-off/#comments</comments>
		<pubDate>Thu, 14 Oct 2010 13:26:40 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[General Credit]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit-card]]></category>
		<category><![CDATA[credit-score]]></category>
		<category><![CDATA[faith]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[medical]]></category>
		<category><![CDATA[Minimum]]></category>
		<category><![CDATA[paying-off-four]]></category>
		<category><![CDATA[score]]></category>
		<category><![CDATA[TIME]]></category>
		<category><![CDATA[Week]]></category>

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		<description><![CDATA[ As goes the story of my life, right when everything's about to fall into place, something bad and unexpected happens.  This week has been no exception.  To give a brief background first, my most recent credit score was 730 and I have three lines of credit.  A charge card with a zero balance and $3000 limit, an Amex card with a newly zero balance and a $2000 limit and a MasterCard (my oldest card) with an $11,500 balance which is also the balance - although I haven't used it, my nominal payments keep me in the same spot on this.   In August, I just finished paying off four years and roughly $30k in medical expenses (this price tag is after negotiating with all my doctors, etc. and is the reason I ended up in credit card debt in the first place).  Anyhow, with that out of the way, I snowballed that money over to my Amex card which I then paid off last month.  Mind you, I had a small balance on this until last year, coincidentally - right after a surgery I had, when AMEX sent me a letter saying that since the economy was so rough on them, they had to increase my APR from 9% to....30%....which skyrocketed my payments and perpetuated my financial problems.  Fortunately, I have since continuously called to get lower rates and they have obliged but only a little at a time.  My Amex card is now at 16.24%.  Anyway.  Since that interest rate was killing me and I had so little left to pay, I was only making the minimum payments on my MC.  This leads me to my current dilemma.   I got laid off this week.  And because of all the medical bills and debt I've been in, I don't have any savings.  I get three months severance but unless I have a job making at least as much as I was by the time I lose that, I will not be able to pay for rent, let alone anything else!  So, I am trying not to panic and figure out what to do (other than get a job, obviously, since I doubt that will happen by tomorrow).  I applied for two other credit cards to try to do a balance transfer and was denied both times and neither time was I given an explanation as to why.  I can only imagine it's because the balance is high and only on one card.  Either way, I am afraid to keep applying for fear of what that will do to my score, not to mention I don't know that I would get the 9% APR like I have now after an introductory rate. ]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:left;"><div class="socialize-in-button socialize-in-button-left"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://www.qualitybsolutions.com/general-credit/in-debt-and-just-laid-off/" data-text="In Debt and Just Laid Off" data-count="vertical" data-via="socializeWP" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-left"><iframe src="http://www.facebook.com/plugins/like.php?href=http://www.qualitybsolutions.com/general-credit/in-debt-and-just-laid-off/&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div></div><p>As goes the story of my life, right when everything&#8217;s about to fall into place, something bad and unexpected happens.  This week has been no exception.  To give a brief background first, my most recent credit score was 730 and I have three lines of credit.  A charge card with a zero balance and $3000 limit, an Amex card with a newly zero balance and a $2000 limit and a MasterCard (my oldest card) with an $11,500 balance which is also the balance &#8211; although I haven&#8217;t used it, my nominal payments keep me in the same spot on this.   In August, I just finished paying off four years and roughly $30k in medical expenses (this price tag is after negotiating with all my doctors, etc. and is the reason I ended up in credit card debt in the first place).  Anyhow, with that out of the way, I snowballed that money over to my Amex card which I then paid off last month.  Mind you, I had a small balance on this until last year, coincidentally &#8211; right after a surgery I had, when AMEX sent me a letter saying that since the economy was so rough on them, they had to increase my APR from 9% to&#8230;.30%&#8230;.which skyrocketed my payments and perpetuated my financial problems.  Fortunately, I have since continuously called to get lower rates and they have obliged but only a little at a time.  My Amex card is now at 16.24%.  Anyway.  Since that interest rate was killing me and I had so little left to pay, I was only making the minimum payments on my MC.  This leads me to my current dilemma.</p>
<p> </p>
<p>I got laid off this week.  And because of all the medical bills and debt I&#8217;ve been in, I don&#8217;t have any savings.  I get three months severance but unless I have a job making at least as much as I was by the time I lose that, I will not be able to pay for rent, let alone anything else!  So, I am trying not to panic and figure out what to do (other than get a job, obviously, since I doubt that will happen by tomorrow).  I applied for two other credit cards to try to do a balance transfer and was denied both times and neither time was I given an explanation as to why.  I can only imagine it&#8217;s because the balance is high and only on one card.  Either way, I am afraid to keep applying for fear of what that will do to my score, not to mention I don&#8217;t know that I would get the 9% APR like I have now after an introductory rate.</p>
<p> </p>
<p>Is it reasonable to ask if they would lower the interest rate from 9% on my MC?  And/or is it possible to call and negotiate a lower balance?  If I did that, would it hurt my score?  Is it even advisable to mention you are no longer employed??  Or are they more apt to help if you are honest about your situation?</p>
<p> </p>
<p>Although, maintaining my credit score isn&#8217;t my priority right now, the last thing I want to happen is to come out of this with high debt AND bad credit&#8230;.if I can help it.  I have never been late on a payment and always pay at least the minimum balance.  My current situation could change that though and that is my fear.  At the moment, I&#8217;m not even considering bankruptcy or tapping into my (meager) retirement accounts as an option.  I am keeping the faith that it won&#8217;t come to that.  </p>
<p> </p>
<p>I&#8217;m just not sure where to go from here but I want to be proactive before I&#8217;m without ANY income.  Any helpful advice is greatly appreciated.  </p>
]]></content:encoded>
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		<title>Navy Federal &amp; Goodwill Requests</title>
		<link>http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/</link>
		<comments>http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/#comments</comments>
		<pubDate>Tue, 21 Sep 2010 17:05:59 +0000</pubDate>
		<dc:creator>jedwan</dc:creator>
				<category><![CDATA[General Credit]]></category>
		<category><![CDATA[asked-several]]></category>
		<category><![CDATA[boards]]></category>
		<category><![CDATA[goodwill]]></category>
		<category><![CDATA[goodwill-letter]]></category>
		<category><![CDATA[one-seems]]></category>
		<category><![CDATA[people-at-nfcu]]></category>
		<category><![CDATA[perfect-payment]]></category>
		<category><![CDATA[the-boards]]></category>
		<category><![CDATA[Week]]></category>

		<guid isPermaLink="false">http://www.qualitybsolutions.com/2010/09/21/navy-federal-goodwill-requests/</guid>
		<description><![CDATA[ Hi,   Haven't been on the boards lately as I'm a full-time student and Ive been swamped.   I'm also unemployed and got a 30 day late on a perfect payment history of 2 years with my favorite credit union, Navy Federal.  Has anyone ever had any success with a goodwill request from NFCU?  I'm planning on sending my goodwill letter at the end of this week.   Also, does anyone know who to send the goodwill letter?  I've asked several people at NFCU and no one seems to have a clue. ]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:left;"><div class="socialize-in-button socialize-in-button-left"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/" data-text="Navy Federal &amp; Goodwill Requests" data-count="vertical" data-via="socializeWP" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-left"><iframe src="http://www.facebook.com/plugins/like.php?href=http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div></div><p>Hi,</p>
<p> </p>
<p>Haven&#8217;t been on the boards lately as I&#8217;m a full-time student and Ive been swamped.</p>
<p> </p>
<p>I&#8217;m also unemployed and got a 30 day late on a perfect payment history of 2 years with my favorite credit union, Navy Federal.  Has anyone ever had any success with a goodwill request from NFCU?  I&#8217;m planning on sending my goodwill letter at the end of this week.</p>
<p> </p>
<p>Also, does anyone know who to send the goodwill letter?  I&#8217;ve asked several people at NFCU and no one seems to have a clue.</p>
<p> </p>
<p>Thanks in advance everyone.</p>
<ul><li><a href="http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/" title="navy federal goodwill">navy federal goodwill</a></li><li><a href="http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/" title="good will letters to navy federal">good will letters to navy federal</a></li><li><a href="http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/" title="goodwill letter to navyfed">goodwill letter to navyfed</a></li><li><a href="http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/" title="goodwill letters to navy federal">goodwill letters to navy federal</a></li><li><a href="http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/" title="navy fed goodwill">navy fed goodwill</a></li><li><a href="http://www.qualitybsolutions.com/general-credit/navy-federal-goodwill-requests/" title="navy federal good will letter">navy federal good will letter</a></li></ul>]]></content:encoded>
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