15 People Whose Brutal Honesty Lost them a Job Opportunity

We’ve all had to do it… the dreaded job interview.

“Is my resume right?”
“Am I over dressed?”
“What kind of insane questions are they going to ask me?”

We can all get stressed AF worrying about whether or not we’re going to do well, but what if you didn’t care?

The following 15 people share their shockingly honest stories about how they said what was exactly on their mind, which was definitely too much for these companies to handle.

1. “Thank you but you’re nothing special…”

“I’m in tech sales and this happened a few years ago.

In an interview with a VP of Sales, I was asked what to do if the product I was selling only fit half of the buyer’s requirements checklist.

I said I would recommend the prospect evaluate other products to see whether a better fit was available, rather than push them to purchase something they would be dissatisfied with.

They would figure out they had the wrong product sooner or later, and the support and follow-up required to remedy the problem would end up costing the company more.

He replied, ‘Thank you but you’re nothing special,’ and walked out of the room.

I was shocked and sat there for about 10 minutes. No one came back so I ended up walking myself out.”

2. “It didn’t go down well.”

“This one didn’t end up costing me the job offer as such, but it would’ve cost me the job offer from the person who was interviewing me:

Interviewer: ‘Can you tell me about a time when you demonstrated leadership skills?’

Me: ‘Do you really want me to? Because I can do that if you like and give you some story and blah blah blah, but it seems like you’re kinda just asking that because you think that’s what you’re supposed to ask in an interview, rather than because you actually care? So we could talk about more interesting stuff if you’d rather do that.’

This was from one of the many interviews I went through during my internship at Lehman Brothers.

I said it partly because I was absolutely sick to death of answering stupid interview questions from people who didn’t care what my answers were and partly because I genuinely wanted to know what the other person was actually thinking and partly because I wanted to see what happened.

I wasn’t intending it to sound aggressive or non-cooperative, though obviously I was aware that was a risk.

My hope was that we’d actually be able to have a proper constructive conversation as a result. As an interviewer, I’d love to have someone respond that way, though I wouldn’t ask that question because frankly I’d rather smack my head against the desk for 15 minutes than sit through an interviewee giving me canned answers they’d rehearsed over and over again.

It didn’t go down well.

I don’t know for sure what the feedback was from that interviewer, because I had multiple interviews that day, and everyone had to give some feedback. That was then filtered through HR and I was given general feedback and a couple of quotes. However, every other interview that day went well, so I’m pretty confident that the ‘he did not seem well-prepared’ came from that interviewer.

So it goes. I’m glad I gave it a try, and with all the other positive stuff that was going on that summer I could afford to blow it with that one particular trading desk.”

3. “Teach me something in 60 seconds that I don’t already know.”

“I was interviewing for a plant manager’s job, all my experience and skills sets boxes were checked, so to speak.

The interview was going well. The HR manager walks in to the middle of the interview and informs me that she will be joining the discussion to make this a team interview.

She starts asking bizarre questions. Like, ‘Teach me something in 60 seconds that I don’t already know.’ OK, off the beaten path of questions but I teach her how a man can carry his wallet to make it harder to be pick-pocketed.

She’s a woman and she would obviously not know that type of stuff. Her questions are really off. The original interviewer finishes and he asks if I have any questions for them. Of course I do, so I respond yes. He then tells me to be careful as there is only one question that is acceptable. I ask him if he has any concerns about my ability to perform well in the position we are discussing.

He tells me close, I should have asked him what is preventing them from offering me the job right now. I then tell them that I have other questions, they look puzzled but proceed to answer my questions.

I then get to a question about how on their website had talked about their valuing military veterans. I mention the plant manager by name who was quoted on their website.
The HR manager looks at me and explains that they are not sure where I got that information from and that that plant manger was 5 plant managers ago.

In my head, I’m thinking that was only a 2-year-old quote. So I asked why have the previous plant managers failed. She responds because they didn’t listen. I replied back, you have gone through five plant managers in less than three years and you think they are the problem? The recruiter later told me they wanted to hire me up till the end when I questioned their decision making skills.

Glad I changed their mind.”

4. “crawling from 10%, to 20%”

“I was interviewing with Apple for a marketing position.

One of the interviewers was the product manager for the Safari browser.

I pointed out that one reason that I preferred Chrome over Safari was because Safari’s progress bar in the URL box made page loads seem slower than they really were, if you saw the bar crawling from 10%, to 20%, and so on, it had a negative psychological effect because it caused you to think about how much more time it was going to take for the page to load.

I’m not sure if that was the answer that prevented me from advancing, but it sure was a mistake.”

5. “Um, why are you here?”

“I was interviewed for a job with the title ‘communications executive.’ I didn’t get past the first question.

Interviewer: ‘Tell me why you want to work in sales.’

Me: ‘I don’t.’

Interviewer:’Um, why are you here?’

Me: ‘The job title doesn’t mention sales, nor did the ad. Your office wouldn’t give me any further details when I phoned, so it never crossed my mind this was a sales job.’

Interviewer: ‘It is . . . There’s probably not much more to talk about.’

Me: ‘I doubt it.’

Interviewer: ‘Did it take you long to get here?’

Me: ‘About an hour.

I was allowing plenty of time because I didn’t want to be late.’

Interviewer: ‘Um, sorry.’”

6. “They did not seem amused and I was not impressed with their attempts at answers.”

“Several years ago, I had submitted my resume to multiple companies. A couple of major companies had jumped on it and went through their hiring process very efficiently, quickly reaching the point of preparing offers.

Suddenly, a Google recruiter calls me up; it had taken them literally a month or so from submission.

After that initial phone screen, they invited me to an on-site interview. I said, ‘Sure,’ thinking that at least it’d be fun to see what the company looks like from the inside.

The on-site interviews were frankly rather underwhelming considering the scary stories you see all over the web.

In the end, I had opportunity to ask a few questions.

Since I wasn’t all that enthusiastic about Google at this point, I asked something along the lines of, ‘Looking from the outside, your product selection process looks like throwing a bunch of cheese balls into the wall to see what sticks.

Besides the ads, do any of your other products actually make any money?’ They did not seem amused and I was not impressed with their attempts at answers.

A few weeks later, the Google recruiter calls to tell me that they won’t be moving forward.

She seemed genuinely surprised when I did not appear heartbroken; I guess she thought everyone desperately wants to work for Google. I did not really give a hoot anyway since I had already chosen between three other opportunities.”

7. “I think you can sense my level of interest in this position.”

“I saw an opportunity at a small agency which had recently been acquired by a large tech company. My primary goal was to sell them contracted service for specialized training. But the position they were offering intrigued me.

It was a convenient commute, the benefits at this large company were excellent, and the position had just the right amount of balance of what I’d be extremely proficient at, and what I’d be challenged by. But here’s the thing – I’ve been freelance for so long that the thought of a 9–5 (or more) job wasn’t particularly appealing. Being over 50 and freelance means you can and do take a nap whenever you want.

This particular corporate culture required a full-time commitment and it appeared there was little opportunity for flex-time or remote work. In other words, I really didn’t want to work that much. Employers don’t usually pursue candidates with that kind of attitude. Anyway, I made 2 mistakes during the phone interview, I admitted my freelance hourly rate, and admitted my half-hearted interest in the job.

And my tone was nothing but pure, unfiltered honesty. Again, my primary purpose was to sell some contracted training to the particular team with the open position.

I was successful in learning about the team, and identifying the right, qualified decision-maker. I was upfront about my goal, and when the interviewer asked whether my interest was the position or the contracted work, I answered ‘either/or.’ But the interviewer immediately classified me as over-qualified me when she heard my hourly rate.

Interviewer: ‘Oh, this is a production-level job, you wouldn’t be happy with the compensation.’

Me: ‘I don’t want to oversell myself, I think you can understand that as a freelancer I certainly don’t do 40 billable hours a week at that rate. The salary range is fine, and a production-level job is what I’d be highly proficient at, my skills and experience in the system and platform you’re adopting make me a perfect fit at that level.’

Int: ‘And you understand this is a full-time, on-site position?’

Me: ‘I understand, but is there any flexibility in schedule or remote work?’

Int: ‘No. But…’ [she rattles off the okay-sounding holiday and vacation day policies].

[Awkward pause]

Let me interject that pausing during phone negotiations is an effective tactic in sales. Whoever feels uncomfortable enough to speak first is often the one that breaks down and either reveals something or submits to the other one.

Trouble is, this wasn’t just some bored HR person working through a pile of resumes, this was a high level recruiter, with excellent interviewing skills.

I broke first.

Me: ‘I think you can sense my level of interest in this position.’

Int: ‘Yes, and if there’s any opening in the future for a position at your level we’ll let you know.’

Which is code for ‘if this guy ever submits a resume again, just throw it out.’ I got the little 3-day training gig I was after, but I wish I had lied a little, and pretended I had a little more enthusiasm for the position. I could have done a couple of years there and quit after saving a little cash. But then, I probably would have let that slip too.”

8. “…two gigantic updates that stressed good reputations over sleazy tactics.”

“I tanked an interview on purpose. Walked in for a web design/programming gig. Everyone immediately ducked behind their screens when the boss walked out.

One employee gave me a sad look like, ‘Don’t do it.’

The interview started. The two guys in charge were very proud of how they ‘do the Google’ to attract customers.

This means they use varying tactics to show up prominently in Google’s search results pages. It’s typically low quality Search Engine Optimization. If they sold yellow boxes of facial tissues and you wanted to buy a yellow box of facial tissues online, then they would have done a lot to make sure Google points to their site for a ‘yellow facial tissues’ search.

Some of it is good for end users, some of it is bad for the entire Internet.

Anyway, that was their gimmick. They ‘do the Google.’ Another gem was, ‘We’ve read a book and a couple of blogs, and we think we know what we’re doing.’

So, I decided to be completely honest. I told them that end users wanted a site to have a good reputation more than good rankings. I stressed that it’s important to have a presence, message, and outreach that’s attractive to clients.

I said that Google was soon going to follow those end users. They got frustrated, even a little upset, and the interview ended. Then I made the hour-long drive home and felt glad to be out of there.

Within the next year, Google pushed two gigantic updates that stressed good reputations over sleazy tactics.

I have no regrets.”

9. “Of course I’m a Superstar and you’d be an idiot not to hire me.”

“A friend told me about a job where he worked which involved a technical management position building a theme park.

The hiring VP was out of the country, but his assistant decided to fly me to California four days before the interview so the team could meet me and I could better understand the scope of the project.

I dove right in and attended all of the planning meetings and design sessions. In the second meeting I made a suggestion the resulted in savings of over half a million dollars.

Several other similar suggestions over the next few days made me a shoe in for the job so I went to the actual interview with high expectations. Sitting across from the VP, it was pretty clear he was not pleased that I had become so engaged without his knowledge and seemed intent to find some weakness.

After several belligerent questions which clearly pointed to the fact that he wasn’t going to hire me, he finally shouted, ‘You must think you are some kind of Superstar!’

My immediate reply just before he ordered me out of his office was, ‘Of course I’m a Superstar and you’d be an idiot not to hire me.’ As you might imagine I did not get the job.”

10. “…when I replied with my number he literally spewed coffee all over his desk…”

“I had a second interview with a publisher for a senior editor slot at a medium-sized newspaper. I really wanted to stay in the area and was willing to compromise on money so when asked what my salary requirements were, I low-balled with a number that was at the absolute bottom of my scale.

The publisher was taking a drink of coffee at that moment and when I replied with my number he literally spewed coffee all over his desk and snapped, ‘That’s more than I make!’

End of interview.”

11. “Do you have Netflix?”

“I interviewed with Netflix a few years back and they asked me, ‘Do you have Netflix?’

I said ,’Well no, because I don’t want my kids to watch too much TV.’

They still continued the rest of the interview but it was pretty obvious that I didn’t make it.”

12. “But I didn’t want to do the job.”

“The exchange went like this:

Interviewer: ‘You don’t really want this job, do you?’

Me: ‘No.’

I was interviewing for a vacation job stacking shelves in Toys R Us over Christmas.

It was a crappy job with lousy pay. I was a Cambridge university undergraduate with an impressive CV.

I was there because I wanted to try to earn some money and I only had a few weeks away from university to do so.

My options were limited. If they’d hired me, I’d have worked hard and done a good job for them.

But I didn’t want to do the job. It was going to be mind-bogglingly boring and I was going to end up taking home just over £100 a week which wasn’t going to move the needle much.

So when I was asked outright, I felt like the appropriate response was to be honest. I did go on to explain the situation, but the truth was that I did not want the job.

The interviewer was concerned (rightly) that I was massively over-qualified, (rightly) that I would be bored and (wrongly) that I wouldn’t do a good job.

They actually ended up coming back to me a few weeks later after their initial selection hadn’t worked out for some reason, but by that point I had (thank god) found something else to do.”

13. “Your answer is incomplete. The client will not accept that answer.”

“I was interviewing for a consulting firm internship during my first year of business school. They sat me down, handed me a 3-page case description and said I had 3 minutes to read it.

Then the interviewer began asking a series of questions that relied heavily on data presented in the case. I was told that I could not see the case document again and that I had to give a concrete numerical answer to each question, even though his questions were such that any meaningful answer required considerable number-crunching.

The interviewer’s manner was aggressive.

He would cut me off and say things like, ‘Your answer is incomplete. The client will not accept that answer.’ After flailing at this for 10 minutes or so, I asked him to end the interview.

Looking somewhat surprised, he asked why. I said that, regardless of whether this type of interview was to measure my ability to think on my feet or to handle stress, the thing that it told me about them was that their culture was aggressive and discourteous, and that I probably wasn’t a good match for them.

I did not hear from them again.’

14. “to become CEO in a year or so.”

“I’ve had many.

On one occasion, the company head, who was interviewing me, said, ‘Here are the rules – I ask, you answer.’ I said sure, but first I’d like to know why they are hiring when the company looks as if it is about to go bankrupt.

I suppose that was the very question they were avoiding. In the end, they hired a colleague (and then went under in less than 6 months). Later I asked him why he took the job and he said he was leaving his wife and wanted to work in the other city where their head office was (and besides, he negotiated a good severance ahead of time).

Good answer.

For me, I’d often go to interviews because someone asked whom I couldn’t refuse and because I did want a change and so wanted the practice at interviewing, but knew some of these weren’t really good choices.

There are others I lost out on without knowing exactly why until shortly after. Once the recruiter asked about a backrest I used to carry to avoid back problems and I bragged about having a patent on it (I did actually), proud to show my inventiveness and creativity.

That led to a series of questions from him about whether I was fit enough to work, not to cost them on their sick plan, able to fly for business… ‘with my bad back.’ No amount of me telling him I used the backrest to AVOID HAVING a bad back would change his mind and a day or so later I got the rejection call I pretty much expected. In another (all these were for HR VP jobs) they asked, what my long term, ultimate career goal was and I said, ‘To be the biggest and best HR VP on earth.’

I learned later from seeing who they chose that the answer they wanted was, ‘to become CEO in a year or so.’ (That was the answer he’d given me when I asked him that for an organization I was on the board of, so I could guess that would have been ‘the right answer’ – and often you can’t guess at the time). Why they wanted an HR expert who just saw the job as a one-year stepping stone I can only guess at, but you never know with some companies.

In all these, I wasn’t too worried about being brutally honest, since I had a pretty good job and was only interested if the one on offer actually looked better. By the time you get to the interview, your research should have answered that and your goal is to meet your potential new direct boss and see if he or she is any good.

The boss is the most important feature of any job! If it turns out something is wrong there are a hundred ways to get yourself rejected without burning bridges, just by being honest – and, honestly, you only want to work for a company that accepts honesty.”

15. “I told them this was impossible and asked if they wanted an honest employee…”

“I interviewed for a position which required 10 years of Adobe InDesign experience, at the time InDesign had been on the market for less than 7 years.

I told the interviewer I had experience with Quark and Pagemaker for over 10 years, but since InDesign was only 7 years old, I only had 7 years experience with that particular program.

The interviewer informed me they had many other applicants who had over ten years experience with InDesign. I told them this was impossible and asked if they wanted an honest employee or one who only told them what they wanted to hear?

I did not hear back so I guess I got my answer.”

True story, I once threw a job interview because the guy who would have managed me came off as a total mess. So I set expectations way too high when asked, “Where do you see yourself within the company in 6 months?

I told them that I expected to get a promotion in about 6 month’s time. The tone in the room changed immediately. Needless to say, they were not pleased. And I didn’t get the job.

Still, it was one of the most instructive experiences of my professional life because what it taught me is I do have control in those interviews. Basically, always (ALWAYS!) be willing to walk away from an interview if you don’t like what they’re saying or what their offer is. And never settle for less than what you think you’re worth. Because how you value yourself is the most important thing you can do in your career.

I guaranteed you that’s some advice you’ll use again and again. So remember it. ?

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Poor Person Perfectly Explains to Rich Friend Why Poverty is So Hard to Escape

“Invisible Poverty” is a term that many people don’t even know exists, but it actually describes a very real problem faced by a surprisingly large number of Americans. Unfortunately, it falls through the cracks of our awareness and understanding because it’s so tricky to explain to those who haven’t experienced it firsthand.

A Tumblr user wrote an important post about their conversation with a wealthy friend concerning how hard it is to escape poverty and why it goes so unnoticed by so many.

The post is lengthy, but read the whole thing and pay attention, because the words are powerful.

Photo Credit: Tumblr

People were moved by the Tumblr post and weighed in with their own thoughts on the subject.

Photo Credit: Reddit

Photo Credit: Reddit

Photo Credit: Reddit

Photo Credit: Reddit

Photo Credit: Reddit

However “Invisible Poverty” is defined, there’s no doubt that many, many Americans have struggled and continue to struggle with it day in and day out.

Share your own experiences in the comments below.

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Check Out the 10 Most Expensive Cities in the World

Is the cost of living absolutely insane in your city? I live near NYC, and yeah, it’s pretty brutal.

That said, I was actually pretty surprised by some of the entries on this list of the world’s most expensive cities. San Francisco didn’t even make the cut, which seems kind of insane given the horror stories I’ve heard about rent in SF.

As recently reported, there is actually a three-way tie for the most expensive city in the world right now between Hong Kong, Singapore, and Paris.

Photo Credit: Wikimedia Commons

This analysis of the world’s most expensive cities was done by the Economist Intelligence Unit and this is the first time in the Unit’s Worldwide Cost of Living report that three cities tied for first place.

The group took over 400 items into consideration to compile the list, including the cost of food, school, recreation, clothing, household fees, etc.

Photo Credit: Pixabay

Singapore has been named the world’s most expensive city for five years in a row but this year it has company with Hong Kong and Paris. A strong U.S. dollar means more expensive American cities. New York moved up six spots and Los Angeles jumped four spots on this year’s list.

Take a look at the top 10 below.

1. (3-way tie) Hong Kong, Singapore, and Paris, France

Photo Credit: Public Domain

4. Zurich, Switzerland

Photo Credit: Wikimedia Commons

5. (2-way tie) Geneva, Switzerland and Osaka Japan

Photo Credit: Good Free Photos

7. (3-way tie) Seoul, South Korea, Copenhagen, Denmark, and New York City

Photo Credit: Pixabay

10. (2-way tie) Tel Aviv, Israel and Los Angeles, California

You can download and study a full copy of the report HERE.

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People Share Stories of Times They Got the Help They Needed, and We Can All Learn from Them

While the narrative of the “self-made man” is one that’s been pushed a lot over the last few decades, the fact of the matter is that everyone needs a helping hand now and then. Even the world’s most powerful CEO is helpless if his sports car breaks down on a remote country road. There’s no shame in it, and it’s important that we give people the help they need when they need it, because you never know how much it might mean to the person you’re helping.

These 10 Twitter users shared their personal stories about when they were in dire straits and received a helping hand that they haven’t ever forgotten about.

1. “It is never wrong to help someone.”

Photo Credit: Twitter

2. It gets better.

Photo Credit: Twitter

3. Everyone deserves a chance. 

Photo Credit: Twitter

4. A little goes a long way…

Photo Credit: Twitter

5. “…more than many will ever know.”

Photo Credit: Twitter

6. “Quite well” ain’t too shabby.

Photo Credit: Twitter

7. Teach your children well.

Photo Credit: Twitter

8. “You can’t teach a hungry child.”

Photo Credit: Twitter

9. Pay it back x 100.

Photo Credit: Twitter

10. Hard work.

Photo Credit: Twitter

This is why it is important to never assume anything about anyone, because you never really know where they’ve been and what they are going through unless you’ve walked in their shoes. And if you know someone is in need, help them out in any way you can. Paying it forward is real.

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10+ People Talk About the Most Wasteful Purchases You Could Make

Our society can be pretty wasteful. Half (or more) of the things we use every day are designed to be disposable, and even when they’re not, people are still tossing them out. There are so many things to waste money on, what would you say is the most unnecessary expense?

Check out these responses for some inspiration (they also might make you feel a bit ashamed, but no worries – you’re not alone!).

#1. Televangelists.

“My favorite televangelist story is Jan and Paul Crouch’s. Their granddaughter (who worked as an accountant for their Christian TV channel) discovered illegal accounting practices, the family fired her, and she reported them. Highlights of their nonprofits’ spending:

$50 million jet
13 mansions
$100k rv FOR THEIR DOGS!”

#2. Diamonds.

“Diamond ring. When I proposed, I knew that my wife would prefer a pretty $60 ring and a romantic vacation in Greece.”

#3. The science of car buying.

“Buying a brand new car every couple of years.

You buy a $50,000 car you’re shaving off 10% of the total value off by driving it one inch off the lot. 2-3 years later because you need to keep up with the Joneses, you buy another car with the $28 grand you sold your previous car for.

You also wonder why you’re in debt and your friends are living in nice houses and funding their continuing education.”

#4. Since 2012.

“My coworker has had a gym membership since 2012. She has been there 3 times since. Her husband is thrilled.”

#5. Kids grow like weeds.

“Designer clothes for kids/babies when they will grow out of them within a few months. My wife works at a nursery she has parents who do this and tell the nursery staff to not let the child ruin their clothes!”

#6. Impulse purchases.

“Impulse purchases at the grocery stores, specifically at Trader Joe’s! I don’t need that coffee chocolate or ginger cookies or dunkers, Trader Joe’s. But when you’re near the cash counter and they take one look at me, I go weak in the knees.”

#7. One day affairs.

“Expensive weddings when they CAN’T afford it.”

#8. Hands down.

“Cigarettes.”

#9. The list goes on…

“My old roommate let one of his buddys stay with us one time. This guy had just lost his job, apartment and girlfriend in a week so we felt kinda bad for him. We agreed to let him stay to get back on his feet. He gets a job and immediately takes his first paycheck and buys a guitar. The whole paycheck. $450 or so. Next paycheck? $300 bong and some other stupid shit. This guy didn’t even have a cell phone or a car. So he “solved” that problem a month or so later by buying a $400 car that didnt run and a $20 burner phone. Never got the car fixed and just had it scrapped. Guy drove me crazy.

Edit: shameful dollar sign edit…”

#10. Very cheap!

“My new iPhone 12 was included for free with my plan! And so was iPhone 11 last year! I get a free telephone every year :D”

“And how much is your monthly plan?”

“Very cheap! $149 a month.”

#11. More interest.

“Maxing out their credit cards and always having to pay the interest.”

#12. You won’t know.

“Alllll the new baby things you never use. But you won’t know until you don’t use them.”

#13. It fades.

“Tanning. Not only does it damage your body, it fades in a week or two.”

#14. Just extra packaging.

“100 calorie packs of stuff.. it’s just a bunch of extra packaging, just get a kitchen scale and do your own 100 cal portions of whatever food you want and put them in a reusable container.”

#15. Daily optimism.

“Lottery tickets / gambling – in moderation, it’s daily optimism, and I get that. But a lot of people take it too far and sink way too much $, and hope, into it.”

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In Australia, torn money…

In Australia, torn money is valued by the percentage of the banknote remaining. Half of a $20 bill is valued at $10. Banknotes must be greater than 20% of the original size to have any value. If a banknote is 80% or greater in size it is worth the full value.

Free cash

In New Jersey, the back door of an armored Brink’s truck wasn’t working properly and opened during the drive. Cash came pouring out of the truck, causing much excitement and chaos – including car crashes – on the morning drive. In November of 2018, an ATM in Houston, Texas, dispensed $100 bills instead of $10 […]

The 10 Best (and Worst) States for Your Tax Bill If You Are Looking to Move

Looking to change states? If you havea little freedom to choose, then you may want to look into how each state will impact your pocketbook. Not only should you consider cost of living, but some states are also significantly more tax friendly than others – and those others are just waiting to take the biggest bite out of your bottom line they can.

I mean, to be fair they do use taxes in order to fund roads and education and all sorts of government works, but still. That stuff can be expensive. And if your bottom line is what’s most important to you, then you’re going to be intrigued by the two lists below.

The Most Tax-Friendly States

Photo Credit: Pixabay

#10. Louisiana

#9. Mississippi

#8. Arizona

#7. Delaware

#6. North Dakota

#5. Nevada

#4. Florida

#3. South Dakota

#2. Wyoming

#1. Alaska

None of these are really surprising to me – you?

Fun fact: Alaska actually pays residents to live there, too. Or it will as long as the oil keeps flowing.

Least Tax-Friendly States

Photo Credit: Pixabay

#10. Connecticut

#9. New Jersey

#8. California

#7. Hawaii

#6. Vermont

#5. Maine

#4. Illinois

#3. New York

#2. Maryland

#1. Minnesota

I kinda expected California to be the worst, right? Regardless, if you’re looking for lower state tax bills, it might behoove you to cross the Northeast off your list.

I gotta say it one more time though – taxes fund important government works. It seems clear there’s a reason many of the tax friendliest states are also some of the most sparsely populated: there are just fewer people the government needs to serve.

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12+ Things You Definitely Should NOT Do If You Win the Lottery

There is plenty of advice online about what you should do if you win a big jackpot, but equally important, if not more so, is what you shouldn’t do. Well, have no fear, because the internet has some ideas.

Listen up!

#15. Go to a casino.

“Go to a casino and blow all the money away.”

#14. Out of the woodwork.

“Do not go public with it and have an attorney set up something for your winnings where people won’t know about it.

You’ll have people coming out of the woodwork for a handout otherwise.”

#13. Try to win more.

“Spend it all on lottery tickets to try and win more.”

#12. A lawyer and a CPA.

“Do not tell anyone, except a lawyer and a CPA. Hell, I wouldn’t even tell the lawyer and the CPA that you won the lotto at first. Just tell them that you’re coming into a lot of money and need some help getting it situated properly.

Do not tell your friends, don’t tell your parents, don’t tell your kids… hell don’t even tell your spouse unless they’re watching the draw with you and find out that you won at the same time.

DO get your lawyer and your accountant to setup a trust and all the necessary accounts so that you can claim the money anonymously, and live comfortably off the interest for the rest of your life.

DO take up a hobby. You never have to work another day in your life, so pick something that sounds fun. Maybe whittling, or pie making. Whatever makes you happy.”

#11. The upkeep cost.

“Thought I’d add a different answer here to the usual ones. Do NOT forget the upkeep cost. The biggest reason why lottery winners end up broke again is they forget about the running cost of their purchases.

Two great examples are cars and houses:

The larger the house, at least in the UK, the bigger the council tax you have to pay which can get quite large for large houses. People just think that “ooo buy a big house and rent is free forever” forgetting that yearly charge of thousands for that very large house which adds up to maybe 20-40k alone in a decade or two.

Cars are more obvious, you get an expensive and fancy car. For starters you’ve just lost thousands as you’ve added a new owner. Then you have to tax it and that’s more than normal now. Then you have to insure it and oooo guess what that fancy sports car you just got, that’s a lot of insurance. Then spare parts are far more expensive as it’s a rarer model than a regular car. It gets no miles to the gallon so you’re always filling it up. Once again yes you brought it but you’re now paying probably thousands per year in upkeep.

So congrats, you spent all the money and thought you set yourself up for life right? Apart from the fact that those two things alone may well end up costing you maybe 30-60k over the next 10-20 years and you already spent everything so you sell the house and car (at considerable loss) and buy a smaller house and car….

BUT they need upkeep as well.

So you sell them and downsize again…

and again…and yo’re working 9-5 to keep your 1 bedroom flat just about ticking over well past retirement because you didn’t work for 10-20 years so you have almost zero retirement funds earn’t so you have to work until death.”

#10. Don’t do any of that.

“My uncle won $9m from the lottery. He bought a large piece of land in Ahmish country, built a mansion on it, bought a bunch of toys (boats, atv’s, etc.), and adopted a kid. A bunch of my shitbag extended family moved to where he lived in Maine and began asking him for money.

2 years later he ran out of money, divorced his spouse, and pawned the kid off to my mother who, out of love and pity, raised him.

So don’t do any of that i guess!

Edit: No I’m not the kid!”

#9. Best case/Worst case.

“Do not fill a swimming pool with gold coins and gems and try to swim around in it Scrooge McDuck style. Best case, you’re just going to roll around on a big pile of coins. Worst case involves a diving board and broken skeleton.”

#8. Don’t trust it.

“Let people guilt trip you into giving them money. Everyone has a sad story that’ll break your heart and make you feel bad. As sad as it is, don’t trust it…ever. Money makes people greedy. Greedy people do whatever they want to get what they think they need.”

#7. Start your life over.

“I would have no problem not telling anyone, I’m a private person as is and I’m not someone who likes to have attention. Keeping my spouse reigned in is a whole other story, she would have an incredibly difficult time keeping quiet. I would go out of my way to not tell anyone for a long time, possibly even years if I was able to pull it off, but realistically I don’t think that’s possible with a large jackpot. You’re going to make major life changes, even if you are someone who isn’t flashy, it’s going to be hard to not raise suspicion.

With a jackpot as large as the current one is, it will not be possible to keep your life as it is, that is a level of money that will require you to relocate in a major way, likely multiple times over the next few years. I actually feel like that type of money could possibly require you to change personal details about yourself, I just don’t think you could escape the constant outside pressure otherwise. You would also have to be prepared to permanently destroy multiple relationships in your life, money brings out the worst in people, family you were close with, friends, and former co-workers are going to look at you differently. There’s going to be jealousy, resentment and anger directed towards you. I almost feel like you would have to essentially start your life over.”

#6. New cars.

“Buy new cars all the time.

I live in a rural city in Canada.

Maybe 6-8 years ago a local woman won $12 million in the Lotto 649. She went from your regular car to $80,000 Mercedes- Benz’s and Jeep Grand Cherokee Summit’s every year for her, her husband and her son.

Fast forward to last year. I’m the GM of a Car Rental agency. Her kid is 19 and thus unable to rent or even drive a rental car. They keep demanding I allow him to drive, I keep telling them no he can’t going so far as to show them how the computer system with automatically blank out his license.

They flip their shit all entitled and what not. Typical ‘Can I speak to your manager?!” haircut and all.

I find out later than the $12 million is gone. All of it. Disappeared. I found out through contacts at several dealers that they had purchased almost 20 vehicles in 6-8 years, getting hosed on the trade in value almost every time. The vehicles didn’t account for all $12 million, but it certainly accounted of a large portion of it.”

#5. Protect your identity.

“Sign your name. If you want to open a trust you need to make the trust and then have the trust sign it, this can then protect your identity because most states require you to publish your name.”

#4. Never really the “work hard” kind of guy.

“Have a pretty horrifying family story that exemplifies exactly why you should NOT do this.

Edit : Didn’t mean to be a cryptic jerk. And the story isn’t great of course – just pretty awful for us. It just struck a nerve seeing this thread and remembering all the crap.

My father was never really the “work hard” kind of guy. If someone could give it to him or make it easier, he was all for it. Growing up, I remember mom fighting for us to get something new occasionally, but he’d almost always yell and complain about the cost while also not willing to work much. I now know there were some complicating and difficult things he experienced when he was younger that likely partly contributed to this, but hindsight and all that.

He also was abusive to me, my siblings and our mom. After a rough divorce and all us kids left the house, he became more and more of a hermit. He started playing the lottery, and whenever we’d see him he’d talk about it all the time. He also became a hoarder at home and nothing anyone could do or say would convince him to let us help, even a little. Two of my siblings showed up at his place unannounced and he came out of the house with a shotgun. So, we ended up not visiting him at our old house – we’d meet at a gas station where we learned he’d been at all night, buying lottery tickets by the handful.

He won – big several times, at least big to him – not millions I don’t think but a lot. H€ll we don’t even know how much he won. He’d tell us he won “something” every once in a while, had to talk to the lottery commission or whomever they were. But he became obsessed with winning more…and more and more. Bought thousands of tickets, literally. For years. He asked all of us siblings for money for this towards the end, and by now we realized at least a part of his addiction. But he refused help and got incredibly mean and agitated whenever we’d bring it up. We felt guilty and knew he needed help but didn’t know what to do honestly.

So, when we hadn’t heard from him for a while after trying to check in, we called the authorities and asked them to do a wellness check. He’d been dead a while, and they had to have a team of people try to remove him, with a few saying it was the worst situation of that kind they’d seen. When we all met up to try and deal with things, we cleaned out the car he was leasing and filled 4 hefty yard waste garbage bags full of tickets out of his car alone. The house and barn were worse. We don’t know final tallies, but we know he lost way more than he ever won.

We do have some good memories – we know he tried at times, and we know we weren’t the easiest kids to deal with. But once the lottery addiction took hold…I don’t know, he just changed even more for the worse.

Please, please, if you know of anyone close to you who develops a gambling addiction or hoarding, PLEASE do all you can to help. At times I wonder if we really did all we could, and I don’t wish that on anyone.”

#3. Because that’s my idea.

“Do NOT buy a M1A2 Abrams tank and use it as your daily commuter vehicle with the thought that it would prevent tailgating and/or people cutting you off on the highway….because that’s My idea.”

#2. Happened where I live.

“Blow the whole 6 million on drugs and then burn your house down to claim the insurance so you can buy more drugs.

Happened where I live about ten years ago. Highly recommend not following that course of action.”

#1. People get killed.

“Don’t tell anybody. People get killed over that stuff. Get an attorney get a new phone number and don’t give it to anybody. Also stay off Facebook”

And you know, call me if you win big are feeling generous.

The post 12+ Things You Definitely Should NOT Do If You Win the Lottery appeared first on UberFacts.

Millennials Clap Back at Baby Boomers Who Say They Too Much Money on Unnecessary Luxuries

This Millennials vs. Baby Boomers fued seems to be never-ending…and I love it! The older Baby Boomers just love to point out how clueless they think these young Millennials are, and how irresponsible they are with their money.

Photo Credit: Flickr,State Farm

One of the big complaints from Baby Boomers is that these damn youngsters spend too much money on things that are completely unnecessary. Well, Millennials are a little sick and tired of the criticism, so they have been firing back on Twitter and taking their older counterparts to task. First item of business: plates and silverware.

Photo Credit: Twitter

Zing! Other young people added that many of them don’t have one good set of plates, let alone two.

Photo Credit: Twitter

Photo Credit: Twitter

Photo Credit: Twitter

Photo Credit: Twitter

Photo Credit: Twitter

And then they sounded off about a variety of things that Baby Boomers do that really gets under their skin.

Photo Credit: Twitter

Photo Credit: Twitter

Photo Credit: Twitter

And then they got a little more specific with some outrageous stories about the irresponsible spending of these old geezers.

Photo Credit: Twitter

Photo Credit: Twitter

Photo Credit: Twitter

This Millennial summed up one of the major differences between the two generations pretty accurately.

Photo Credit: Twitter

And if Boomers really, really want to keep arguing, Millennials just need to show them this handy graph. And that should end the conversation…

Photo Credit: Twitter

h/t: Yes Plz

The post Millennials Clap Back at Baby Boomers Who Say They Too Much Money on Unnecessary Luxuries appeared first on UberFacts.