Smart Start Money

Smart Start Money provides information on making smart money decisions. The rising costs of healthcare, consumer goods, and wages that often do not seem to keep pace with the cost of daily life make it more important than ever to make smart financial decisions.

[smartstartmoney]

The student loan default rate affects 9 million borrowers and their families. Within just one year of graduation, 40.9% of student borrowers had at least one delinquency while repaying their student debt and 11% of them are estimated to default on those loans in the first year. Listen to the Podcast: https://www.youtube.com/watch?v=GuUT-QiE4zs

[smartstartmoney]

What are the signs your boss might just truly be narcissistic? Watch Now: https://www.youtube.com/watch?v=0fHk-s1smxQ&list=PLNjzlp6b1Rh_92I4boC_JFXxXOeGFJX1p&index=4&t=151s

[smartstartmoney]

Commitment, Teamwork, and Pride. Words employers use to get their employees to work for free. https://smart-start-money.creator-spring.com/listing/words-employers-use-coffee-mug?product=1565 Visit the website: https://smartstartmoney.com

[smartstartmoney]

Why Do Companies Keep Workplace Bullies?

[smartstartmoney]

How much life insurance a person should have is not the same for everyone. Some experts just throw out a figure, such as 8-12 times someone’s annual income, for the correct dollar amount to carry. The problem with this is every person’s situation, income, and age are not the same. Listen to the podcast: https://www.youtube.com/watch?v=RYKybZV9JcM Visit: https://smartstartmoney.com #lifeinsurance #insurance #gettinginsurance #insurancecompany #finance #smartstart #smartstartmoney #podcast #smartstartmoneypodcast

[smartstartmoney]

Although numerous laws are in place for fair advertising, businesses do not always play by the rules. They many times try to bend them as far as possible. How can the tiny words on print advertising really be completely transparent when often the larger ad is there to quickly deceive someone not paying attention to the details? Who is regulating advertisers and what makes an advertisement deceptive or unfair? Listen to the podcast: https://www.youtube.com/watch?v=eFFITkjTp1c #thesmartstartmoneypodcast #advertising #podcast #smartstartmoney #advertise #deceptiveads #autodealer #cablecompany

[smartstartmoney]

There Is No Longer Any “Service” in "Customer Service”

Read the full article

[smartstartmoney]

How Much Does a Financial Advisor Cost? Read More: https://www.smartstartmoney.com/how-much-does-a-financial-advisor-cost/ #financialadvisor #financialadvice #investing #financialprofessional #smartstarmoney @smartstartmoney

[smartstartmoney]

Stock buybacks have been a debate for some time now. With outrageous company executive and CEO compensation tied to stock options and pleasing shareholders, the practice of buying back a company’s stock has become commonplace. This is all while American workers have been consistently outsourced in favor of cheaper labor and employer-provided benefits are steadily reduced. Listen to the podcast: https://www.youtube.com/watch?v=yOr_bc6tG5w Visit: https://smartstartmoney.com #CEO #ceocompensation #corporateamerica #investing #stockoptions #executivecompensation #smartstart #smartstartmoney #podcast

[smartstartmoney]

Should You Lie On Your Resume?

[smartstartmoney]

How Bad Is the Porch Pirate Problem? The problem with porch pirates is only getting worse and there likely will not be a slowdown anytime soon. The reason for this is the acceptance of its existence and the somewhat lenient laws for offenders that still exist. Listen to the podcast: https://smartstartmoney.podbean.com/e/porch-pirates-suck/ #packagetheft #porchpirate #porchpiratejustice #packagedelivery #amazondelivery #podcast #smartstartmoney

[smartstartmoney]

Outrageous and Unrealistic Housing Prices Most markets around the country are seeing outrageous and unrealistic housing prices. According to a Bankrate report, the average home price has increased by about 30% in the last decade as the money people make has only seen a gain of around 11%. The American dream of buying a home is becoming out of reach for a growing number of middle-income families in the country and it is leaving many people on a fixed income in a serious financial situation that has the potential to leave them homeless. Read More: https://www.smartstartmoney.com/outrageous-and-unrealistic-housing-prices-something-needs-to-change-for-the-survival-of-the-middle-class/ Visit: https://smartstartmoney.com #housingmarket #housingprices #realestate #homebuying #smartstartmoney

[smartstartmoney]

Should You Lie On Your Resume?

When it comes to telling a lie on your resume most career experts will agree that it is a bad idea. The problem with this is how can a job seeker compete with other applicants that do blatantly not tell the truth when it comes to their employment credentials? Do a search on the internet for not telling the truth on a resume and you will find most career sites stand by their hypocrisy telling people not to lie on a resume when they know behind closed doors that it happens frequently. Some of these career specialists might even say it’s okay to just stretch the truth a little or that omitting certain things is okay. The truth is doing this is still lying. The fact is a lot of people lie when it comes to interviewing for a job and it can be very challenging to compete for employment when most of the applicants are stretching the truth. In many instances, a job candidate's big lies will be discovered at some point. With all the detailed background checks that can be run today it is difficult even for experienced lairs to get away with not telling the truth when it comes to the larger falsehoods. Large resume deceptions with education and criminal backgrounds will almost always be discovered. However, numerous other deceits do regularly go undiscovered.

How often do people lie on a resume?

According to a CareerBuilder survey, 75% of employers have caught people not telling the truth on their resumes. The survey found that most lies were common, such as dates of employment and exaggerated skill sets. However, some of the lies people tell are very big. The most common lies people tell on their resume include: - Academic degrees: 33% - Job titles: 34% - Dates of employment: 42% - Exaggerated job responsibilities: 55% - Embellished skill sets: 57% Another research report by Checkstar showed that 78% of job applicants lie and 66% of hiring managers could care less. Moreover, just one in three hiring managers reported they would never hire a person that lied on their resume. This results in 66% of hiring managers that are willing to hire a person that is less than truthful. Even though lies on a resume do appear to be quite common, brazen untruths are seen less frequently compared to falsehoods of omission by leaving out important details. Furthermore, not completely lying but stretching the truth is seen more regularly.

Who tends to lie on their resume?

Although quite a few job applicants stretch the truth on their resumes, research shows trends in who tends to lie more often. A ResumeBuilder.com study showed that people earning six figures lie more often about their work history compared to lower-income earners. Almost half of the people in the survey earning between 100k and 150k admitted to stretching the truth on their resume compared to just 25% of people earning less than 100k. The report also indicated some of the most common lies told on a resume by income bracket: - 42% of people earning less than $50,000 did not tell the truth about how long they held a job. - 37% of people making ,000 to $99,000 lied about the number of years they have experience - 55% of the people making $100,000 to $149,000 did not tell the truth about their job skills or responsibilities - 72% of people earning $150,000 or more lied about their education When it comes to not telling the truth on a resume between men and women males were found 6% more likely to lie. Although men have a habit of lying on a resume more often, both women and men are likely to not tell the truth about the same things. Age also shows a tendency when lying on a resume. For job applicants 23-39 years old 18% admit to lying on a resume. People over the age of 45 have been shown to not be honest only 7% of the time. Not surprisingly statistics show education plays a role in lying on a resume. People with just a high school diploma were found to be the most likely to lie on a resume at 27% of the time followed by those with a bachelor’s degree at 18%. The least likely people to lie on a resume are found to be those with advanced degrees at just 11%.

How often do people get away with lying on a resume?

Because so many people stretch the truth about their employment background most do get away with it to some extent. A study by Ladders.com found that 80% of the people they surveyed of over 1000 that lied on a resume claimed to have never been found out. Only 8% of the resume storytellers admitted to facing anything negative for their lies. According to an article by Ladders.com, 54% of hiring managers agree that it is acceptable to modify a job title on a resume and nearly half of the people that stretch a detail or two to negotiate a position have been successful. The statistics site Statista.com uncovered similar results in a study of 1000 finding 79% of job applicants that lied on a resume were not found out.

Should you lie on a resume?

The fact is no one is going to tell a person to be a liar and not tell the truth on their resume. Look at just about any career website or book and it’s easy to quickly discover no authority on resumes is going to teach resume storytelling and how to stretch the truth. Yet, the unspoken and quiet rule in addition to the statistics shows that not telling the truth on a resume is not only accepted but often most people get away with it. Many career experts might go as far as to say it is acceptable to omit certain things on a resume or stretch the truth in some areas but they fail to admit this is still lying. Say it any way you want to. Yet, leaving out important details or telling embellished stories that expand on abilities or skills that might not otherwise be accurate is still untruthful. With most corporate jobs estimated to get 250 resumes or more, it is difficult to compete and grab the attention of a hiring manager without help. Out of the 250 resumes, only 6 applicants typically get called in for an interview. This is a big reason frequently why people lie about their background and skills.

Conclusion

Telling the truth on a resume will likely often put a person at a disadvantage for getting called into an interview. This is because most job applicants are likely at the very least stretching the truth on their resume. Even for highly qualified job applicants, they should expect several other people applying for the same position to falsely show they are more qualified.    The problem with resume lies is that it appears to have become an accepted practice by most hiring managers. Furthermore, the rate at which people are not caught in their resume lies or punished for them only incentivizes more job applicants to not exactly tell the truth. The bottom line is not telling the truth on a resume is not a good thing. However, most career experts are not going to tell you that you likely should tell some lies in order to be competitive with the other 249 resumes for the same job position. The 249 other job applicants of which close to 80% of them are not exactly truthful. Read the full article

[smartstartmoney]

Why Do Workplace Slackers Exist? Workplace slackers are nothing new. If you have been in the workplace for any length of time, you know the type of person that tries to do the least amount of work they possibly can. Although some people are just fundamentally lazy, there are also plenty of people in the working world that are not naturally the type of people that enjoy doing nothing except for when it comes to their job. The problem with slackers in the workplace is they always tend to create more problems other than just trying to do the least amount of work. Deadwood at a company will bring down morale and ultimately result in people leaving that do get the job done. Listen to the podcast: https://smartstartmoney.podbean.com/e/why-do-workplace-slackers-exist/ #workplace #employment #slacker #corporate #corporatecringe #deadwood #employee #lazyemployee #podcast #smartstartmoney

[smartstartmoney]

The advice of previous generation college students is outdated. The reason for this is a college education today is more expensive than it probably ever has been. If you are a parent telling your child to just take on student debt and work full-time while in college because this is something you had to do while you were attending a University, you need to know things are not the same. Read More: https://www.smartstartmoney.com/do-most-college-students-have-a-job-while-going-to-school/

[smartstartmoney]

How Bad is the Porch Pirate Problem? The problem with porch pirates is only getting worse and there likely will not be a slowdown anytime soon. The reason for this is the acceptance of its existence and the somewhat lenient laws for offenders that still exist. For this reason, it’s important to know the steps to prevent porch piracy and what to do if it does occur. Listen to the podcast: https://smartstartmoney.podbean.com/e/porch-pirates-suck/ #porchpirate #porchpirates #theft #packagetheft #packagedelivery #smartstartmoney

[smartstartmoney]

What Happens if You Don’t Pay Your Student Loans? With an estimated 15% of student loan holders in default at any given time, the question that often comes up is “What happens if you don’t pay your student loans?” This question is nothing new when it comes to higher education debt. However, it does seem as though the uncertainty of repaying student loans for a growing number of borrowers is bringing up the subject of student loan repayment more frequently. Listen to the podcast: https://smartstartmoney.podbean.com/e/what-happens-if-you-don-t-pay-your-student-loans/ #studentloans #studentdebt #collegedebt #podcast #smartstartmoney