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10 Signs You’re Not Long For The Biz!

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10 Signs Your Job May Be Over

Ok, I’ve been involved in Real Estate just long enough, that I can typically tell you within a six month period is this is the career for you. Below are the 10 sure signs that your “job” as a REALTOR, maybe over:

1. You feel the need to ask your Association if you can pay your $450 dues in a monthly installments….beginning after your rent payment is made.

2. You feel no need to take the time to learn about how technology effects real estate, that’s just a fad for those “young people.”

3. While on Saturday floor duty, you answer the phone; saying “Thank you for calling Domino’s, will this be pickup or delivery”

4. You refer to what you do as your “real estate job” and not your “career”

5. You’re upset that the local Real Estate school doesn’t hold continuing education classes on weekends or evenings, and they insist on only catering to “full time agents”

6. You try to convince your clients that homes show best from 5:30pm (after you get off of work) till 9:00pm (when you need to be home to put your kids to bed).

7. “Hold on, it’s been awhile since I’ve written one of these contracts – I’ll remember what this means in a minute”

8. You’re signing a Heloc in a declining market… to pay your E and O insurance

9. You can fill me in on all the goings on, for Day-Time television.

10. You’ve decided to be a “Listing Specialist” because the car won’t stay running.

(Bonus: 11 You failed to see the humor in this post)

Add your favorite clue that someone isn’t long for this “job”!

Matthew Rathbun is a Virginia Licensed Broker and Director of Professional Development for Coldwell Banker Elite, in Fredericksburg Virginia. He has opened and managed real estate firms, as well as coached and mentored agents and Brokers. As a Residential REALTOR®, Matthew was a high volume agent and past REALTOR® Rookie of the Year & Virginia Association Instructor of the Year. You can follow him on Twitter as "MattRathbun" and on Facebook. Matthew's blog is TheAgentTrainer.com.

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20 Comments

20 Comments

  1. Matt Wilkins

    September 18, 2008 at 7:40 pm

    Home run, Matthew. My personal favorite (and a real-world occurance) was an agent including their primary career’s professional desingaitons alongside real estate industry desingaitons. The email singature read REALTOR(r),RN.

  2. Matt Thomson

    September 18, 2008 at 10:06 pm

    When asked, “Why real estate?” the answer comes back, “Dude, I’ve got like 5 buddies who are looking to buy their first home, so I figured I might as well make some money.”

  3. Ruthmarie Hicks

    September 18, 2008 at 11:30 pm

    MW – I was wondering whether I should add my doctoral degree to my designations….
    Ruthmarie Garcia Hicks, (r), Ph.D. – might impress people – they probably never heard of a Ph.D. in real estate!

  4. Sarah Stelmok, C21 New Millennium

    September 19, 2008 at 7:05 am

    RH- I actually have a problem with people including information about their “past” life on their business cards. As a consumer, I don’t care what you used to do, I care what you do now. As a young consumer, it makes me think you couldn’t hack it in your old field , so you are now a REALTOR. (I know this sounds harsh, but that is exactly what runs thru my mind). For me as a REALTOR it boils down to this: I was Miss Teen Guilford County 1992 and that in no way makes me a more qualified REALTOR. Why would I put it on my business card? If you want to make sure your clients know you’re smart by advertising your degrees, well, waste of time. You can show them you’re smart by how you handle your transaction. Your clients will find out about your PhD thru the course of conversation. In my opinion, that’s enough. (Again, no offense intended, just my point of view on the topic).

  5. Mack

    September 19, 2008 at 7:37 am

    #12 You ask the client, Now that we have written the contract have you been pre-approved by a lender?

  6. Jonathan Dalton

    September 19, 2008 at 10:24 am

    “Mr. Client, so I can better serve your needs, do you prefer paper or plastic? Very good. I’ll just write that down on the paperwork.”

  7. Ruthmarie Hicks

    September 19, 2008 at 10:57 am

    Sarah – get a grip! I was bloody KIDDING! As for the Ph.D. Ever hear of outsourcing and H1-B’s? I could get a job tomorrow. The problem is the same for me as everyone else in my former field. We can’t pay our bills with the salaries that are being offered and the work week is 60-80 hours. In other words unless you are independently wealthy my former career is not for you or anyone else who doesn’t want to take a vow of poverty for life.

  8. Sarah Stelmok

    September 19, 2008 at 11:06 am

    RH- I’ll only resond to you by restating my last statement. No offense intended. Just my opinion. No grip needed here. I’m not the one flying off the handle.

  9. Matt Wilkins

    September 19, 2008 at 11:46 am

    You call the agent’s cell phone and instead of getting voicemail you get the “temporarily out of service” message due to the bill not being paid.

  10. Brian Brady

    September 19, 2008 at 3:46 pm

    #12- You still think a HELOC is a available loan option

  11. Wade Munday

    September 19, 2008 at 4:35 pm

    MW,

    I’ve tried to call borrower’s regarding their loan application and got the “temporarily out of service” message. Not a good way to impress your potential lender.

  12. Matthew Rathbun

    September 19, 2008 at 5:34 pm

    Wow! A lot of “gripping” going on for a post with so little consequence. I will say that I think if I were a client and my agent had an MBA, I personally would be impressed, because I consider this a business and would like to see someone who knew more than the minimum pre-licensing information about this business.

    However, any other reliance on non-real estate training would probably make me wonder what the practitioner was trying to make up for…. That’s just me, other clients may prefer someone with a similar background as themselves. What I am saying as we rarely know what marketing characteristic will encourage a client to call you.

    The numbers show us that the element of most marketing consumers find least necessary is the agent’s resume, yet most all agent pages are simply a glorified “I love me wall”

    If my wife would let me, I’d work with a Miss Teen Guilford County 1992! 🙂

    For what it’s worth, I am still not fully convinced that having my countless designations helps with clients, but does help with intimidating the weak minded agent (of which there are too many) like a Jedi Mind trick 🙂

    JD – PAPER or PLASTIC cracked me up!

    Mack and Brian – Lack of lender knowledge is really getting to me. How can an agent represent their client and they relegate any level of representation to someone else (in this case the lender)? I am sure there are good lenders out there, but the agent should have at least a good grasp of the economic outlook and options available. “You still think a HELOC is an available loan option” is one of those things are is funny, because it’s so very true.

  13. Ruthmarie Hicks

    September 19, 2008 at 9:23 pm

    Being serious for a second – I was initially JOKING – some of these designations don’t appear to be worth the paper they are printed on. Maybe that comes from my academic background, maybe not. But from what I’ve seen of the ….ahem…..course materials – I’m not impressed. The material is virtually spoon fed to us for God’s sake. In general, Realtors need to step up to the plate and put some real meat on their academic menus. That would mean that these courses would have to be more hard core and HARDER to pass. On average it should be difficult enough to have a 10-12% failure rate. Just paying for it and showing up should not be nearly enough.

  14. Matt Wilkins

    September 19, 2008 at 9:51 pm

    Ruthmarie,

    I agree that some designation may be easy to obtain. The question I formulate from that is “if it’s so easy why don’t more REALTORS(r) have those designations?”. I can say that not all designation are “spoon fed”. The two I felt equired a good chunk of time in both coursework and real world experience were GRI and CRS. I do not know about today off hand but in 2006 when I earned CRS the percentage of REALTORS(r) holding that deisgnation was approximately 4% (more specifically via CRS.com only 9 designees in my zip code and 26 in my city). Many of my potential clients ask about my desingations and in at least one case it was the deciding factor in me being chosen as thier represenative.

  15. Ruthmarie Hicks

    September 20, 2008 at 3:22 am

    Hi Matt,

    It’s interesting…NO ONE ever asks about designations. They ask about a lot of other things, but not that.

    I’ll admit to being an academic snob. I could easily have snored through my licensing classes along with my continuing education and aced everything anyway. Don’t get me wrong, I know my stuff but I truly considered it “licensing lite.” The content could have been taught in less than half the time and been comprehensive to anyone with enough brains to handle transactions of this magnitude. Many agents don’t know the meaning of the word “education.” Personally, I think it should be MUCH HARDER to get a license and maintain it. Most courses and designation training around here does involve showing up and paying up with precious little grey matter required.

    Maybe its just my part of the country, but I run into so many bored housewives with a license its just insane. I’ve had a couple of deals with them and they were agony to work with. I ended up running all over the place picking up their slack and correcting their mistakes in order to hold things together. The scary thing is that they had been agents for years…but they weren’t even remotely competent. Small wonder we don’t get much respect from the public. That won’t change until there is more – dare I say it – academic rigor – to licensing and designations. Many designations have yearly dues attached to them which brings home the message loud and clear – “Give us the $$$ – you get to brag about some initials.” See, here’s a novel thought – why don’t we run licensing and designations the way academic institutions award degrees?

    Case in point – a Ph.D. in almost any field. Obviously this is a degree that is awarded by an academic institution. There IS tuition. So I grant you that money is involved. However, paying the tuition doesn’t guarantee that you get the degree. First you have to apply. Relatively few applicants are accepted – some programs have a 5% acceptance rate. Attrition rate in my field was from high – up to 50% – failure to perform up to certain standards was the primary reason for attrition. So by the time the degree was granted, the student had been put through an elimination process on multiple levels. There was entry, course work, publications, qualifying exams, thesis work and thesis defense – and the student could be eliminated at any one of those points. However, once the degree was granted, no one could take it away from you for not making contributions to the alumni association!

    Now I’m not suggesting that we make becoming a real estate agent as tough as a Ph.D. But I think there has to be an elimination process that is common to most academic institutions for licensing and CE purposes. Very often we choose to liken ourselves to doctors and lawyers – often to justify our fees. That’s all well and good, but I must point out that physicians and attorneys went through an elimination process similar to what I described above. Being successful at real estate is hard, but it is mostly “on-the-job” training. The trouble with that is that thousands of rookies are foisted on the public at any one time and their sheer numbers create a massive problem with credibility. Right now its simply too easy to get and maintain a license.

    I do agree with you on one level – the GRI is the one designation I would be willing to sit for. The rest are a waste of time and money unless they get some meat to them I’m not going to pony up.

  16. Matt Stigliano

    September 20, 2008 at 7:03 am

    As a new agent I’ve already formed some opinions about designations, but have enjoyed listening to everyone else’s thoughts.

    I’ve heard many comments (not just here in this post) about them and here’s my take.

    As a consumer, I couldn’t tell you if any of my past Realtors had any designations. I never noticed and I wouldn’t have cared if I did. What I cared about was how you handled me and my wife and how you handled our transaction. I wanted a good “gut feeling” about you. I wanted to feel like I could tell you honestly about the bump in my credit. I wanted to know you weren’t going to tell me how “great this house is” when we walk into a dump. I wanted to like you, trust you, and see that you cared about me and getting me the home I wanted.

    As a Realtor, I see some value in them. Not so I can put them on my business cards and say how only x% of agents have the same designation as me. Not so I can feel like I know more than someone without one. Not so I am perceived to be me knowledgeable than I was before I received the designation. No, I think designations are good, because they put us in a position to learn more.

    While I was in school, taking exam prep, a girl raised her hand in class and asked how much weight the math questions carried on the test. The teacher gave her the answer (not a lot, there were only a handful – you could easily miss them all and still pass). We took a break and when we returned to look over some math questions, that same girl had packed up and left. She knew she could pass the licensing exam without thinking about math. And she was right, but what kind of agent will she be if she can’t perform basic (and there were no real hard math questions on the exam) math for her clients? It really disturbed me.

    I recently attended our state associations convention/expo/trade show and took classes during it that gained me the new “Texas Affordable Housing Specialist” designation. Like Matt and Ruthmarie, I believe the class was too easy. To make it even easier, there was no test, no quiz, no nothing. We got a designation for showing up for 12 hours. Me, I got a lot out of it and I’m happy I took it (learned quite a bit I didn’t know). I spoke with one of the instructors afterward and he is a Eco-Broker designee. I had seen their stuff at the trade show and liked the general concept of what they were trying to promote. What I didn’t like was that the same Realtor (not the instructor, just in general) that goes to Whataburger and gets a drink in a stryofoam cup, will get that designation. Its just that, some letters after your name to many of them. Just because you have the letters, doesn’t mean you believe in what they stand for (I have heard nothing but bad things about e-Pro, from people I would consider “pros” in the world of technology, but people who have it tell me how tech-savvy they are).

    I also think that the reason things like GRI and CRS are so exclusive is price. While I know that this is a business and it requires monetary investment to grow, they are expensive classes when you’re starting out (which in my opinion would be a great time to encourage more education in licensees) and by the time you’ve got to a point where you have the extra cash to grow your business, I think many people probably wind up with the attitude of “well, I got this far without it, why do I need it now?” Now of course, that same person should be thinking “I got this far, wonder how far I could get if I knew my stuff better,” but we’re talking about reality here and human nature.

    So those are my two (very lengthy) cents.

  17. Vicki Lloyd

    September 20, 2008 at 7:21 pm

    I don’t think consumers pay much attention at all to designations, but other agents who are looking to refer clients many times use them as a major qualifer. CRS and GRI definitely carry more credibility with the agent community. (I put my “MBA” on my business card and email sig, but I’m not sure it carries any extra weight with clients – except when dealing with other alums from my school, University of Southern California.)

  18. Matthew Rathbun

    September 20, 2008 at 8:06 pm

    I have a number of designations, mainly because I teach most all of them. As an agent I did have clients who appreciated them AFTER I got the appointment and explained how they benefited the consumer. ABR is a great program, as are GRI and CRS. The rest is simply knowledge. Agents should be more eager to take training because education is important, not because it gives them letters after their names. If the level of required education to do the job was where it should be, than simply holding a real estate license would be sufficient and “higher education” wouldn’t be as important.

    I would love to see new licensees have to work as “interns” until they could finish a GRI type program.

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Opinion Editorials

Ways to socialize safely during quarantine

(EDITORIAL) Months of isolation due to quarantine is causing loneliness for many, but joining virtual social groups from home may help fill the need for interaction.

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quarantine

Quarantining, sheltering in place, staying home. We’re tired of hearing it; we’re tired of doing it. Yet, it’s what we still need to be doing to stay safe for a while longer. All of this can be lonesome. As the days turn into weeks and weeks into months, the alone time is getting to even the most introverted among us.

Solitary confinement is considered one of the most psychologically damaging punishments a human can endure. The New Yorker reported on this in a 1992 study of prisoners in detention camps in the former Yugoslavia, as well as Vietnam veterans who experienced isolation. These studies showed that prisoners who had experienced solitary confinement demonstrated similar brain activity to those who’d suffered a severe head injury, noting that “Without sustained social interaction, the human brain may become as impaired as one that has incurred a traumatic injury.”

We aren’t meant to be solitary creatures. Your “pandemic brain” is real. That fogginess, the lack of productivity, can be attributed to many things, including anxiety, but being kept apart from other humans is a big part of it too. Be kind to yourself, give yourself grace, and join others virtually. Be it an app, a class, a Facebook group, a chat room, or a livestream, someone somewhere is out there waiting to connect with you too.

The good news? We are lucky enough to live in an era of near limitless ways to interact socially online. Sure, it is different, but it is something. It’s important. The best thing about this type of social interaction is being able to hone in on your specific interests, though I’d caution you against getting caught in an online echo chamber. Diversity of interests, personality, and opinion make for a richer experience, with opportunities for connecting and expanding your worldview.

Here are a few suggestions on ways to socialize while staying home and staying safe. Communicating with other humans is good for you, physically and mentally.

Interactive Livestreams on Twitch:

Twitch is best known as a streaming service for video game fans, but it offers multiple streams appealing to different interests. This is more than passive watching (although that is an option, too) as Twitch livestream channels also have chat rooms. Twitch is fun for people who like multi-tasking because the chat rooms for popular livestream channels can get busy with chatter.

While people watch the Twitch hosts play a video game, film a live podcast, make music or art, mix cocktails, or dance, they can comment on what they’re watching, make suggestions, ask questions, crack jokes, and get to know each other (by Twitch handle, so it is still as anonymous as you want it to be) in the chat room. The best hosts take time every so often to interact directly with the chat room questions and comments.

Many Twitch channels develop loyal followers who get to know each other, thus forming communities. I have participated in the Alamo Drafthouse Master Pancake movie mocks a few times because they are fun and local to Austin, where I live. Plus, in my non-quarantine life, I would go to Master Pancake shows live sometimes. The chat room feels familiar in a nice way. While watching online is free, you can (and totally should) tip them.

Online trivia in real time:

There are some good options for real-time online trivia, but I’m impressed with the NYC Trivia League’s model. They have trivia games online on Mondays, Wednesdays, Fridays, and Sundays. The NYC Trivia League seems to have figured out a good way to run the game live while keeping answers private from the other teams. They run games on Instagram Live with a live video of the host, and participants answer via the question feature. Clever!

Online book club:

First I have to shout out my Austin local independent bookstore, BookPeople, because they are fantastic. They run book clubs throughout the year, along with readings, book signings, and all things book-related. BookPeople hosts several online book clubs during these lockdown days, and most people will find something that appeals to them.

I’m also impressed with this list from Hugo House, a writer’s resource based out of Seattle. This list includes Instagram and Goodread book clubs, book clubs for Black women, rebels, and poetry lovers. The Financial Diet recommends the Reddit book club, if you are comfortable with the Reddit format. Please note that it’s a busy place, but if you like Reddit, you already know this.

Cooking class or virtual tasting:

This is doubly satisfying because you can follow these chefs in real time, and you end up with a meal. There are a couple on Instagram Live, such as The Culinistas or Chef Massimo Bottura.

You can also participate in virtual tastings for wine, whiskey, or chocolate, though you will have to buy the product to participate in the classes (usually held over Zoom or Facebook Live). If you are in Austin, Dallas, or Houston, I recommend BeenThere Locals. The cost of the course includes the wine, spirits, or cooking kit in most cases, and all of the money goes to the business and expert hosting the class.

Look for your favorite wine, spirits, cheese, chocolate makers, and chefs that are local to you to find a similar experience. Most either prepare the class kit for pickup or delivery within a local area.

Quarantine chat:

To interact with another quarantined person seeking social interaction, there’s Quarantine Chat. Quarantine chat is one of the ways to connect through the Dialup app, available on iOS and Android devices. Sign up to make and receive calls when you want to speak with someone. The Dialup app pairs you randomly with another person for a phone conversation, at a scheduled time, either with anyone or with someone with shared interests.

Quarantine chat takes it a step further with calls at random times. When your quarantine chat caller calls, you will not see their number (or they yours), only the “Quarantine Chat” caller ID. If you are unable to pick up when they call, they will be connected with someone else, so there is no pressure to answer. It’s nice to hear someone else’s voice, merely to talk about what you’ve been cooking or what hilarious thing your pet is doing.

Play Uno:

Uno Freak lets people set up games and play Uno online with friends or strangers. Players do not need to register or download anything to play. Uno Freak is web-based.

Talk to mental health professionals:

If your state of loneliness starts sliding toward depression, call someone you can speak to right away to talk over your concerns. When in doubt, call a trained professional! Here are a few resources:

  • National Alliance on Mental Illness (NAMI): The NAMI HelpLine can be reached Monday through Friday, 10 am–6 pm, ET, 800-950-NAMI (6264) or info@nami.org.
  • Crisis Text Line: Text HOME to this text line 24/7 for someone to text with who will also be able to refer you to other resources: U.S. and Canada: 74174, U.K. 85258, Ireland: 50808.
  • Psych Central has put together this comprehensive list of crisis intervention specialists and ways to contact them immediately.

There are many ways to connect even though we are physically apart. These are just a few real time ways to interact with others online. If you want something a little more flesh and blood, take a walk around the block or even sit in a chair in front of where you live.

Wave at people from afar, and remember that we have lots of brilliant doctors and scientists working on a way out of this. Hang in there, buddy. I’m rooting for you. I’m rooting for all of us.

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Opinion Editorials

Working remotely: Will we ever go back? (Probably not)

(OPINION / EDITORIAL) Now that the pandemic has opened the door on working remotely, there’s no way we’ll put the genie back in the bottle. But, here’s some ways you can adapt.

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Woman working remotely on her couch with a laptop on her lap.

When it comes to working remotely, will the toothpaste ever go back in the tube?

Mark Zuckerberg recently said, “We are going to be the most forward-leaning company on remote work at our scale…” By 2030, Zuckerberg anticipates that over half of Facebook’s workforce will be remote. Many other companies are jumping on the work from home bandwagon. Working remotely has helped many businesses manage the pandemic crisis, but it’s unsure what form remote working will take over the next 10 years.

We know that employees are responding positively to WFH, as reported in this article – Employers: Lacking remote work options may cause you to lose employees. As offices transition to a post-COVID normal, here are some things to consider about your office and remote work.

What does your business gain from allowing workers to WFH?
The future of remote work depends on a conscious application of WFH. It’s not just as easy as moving employees out of the office to home. You have to set up a system to manage workers, wherever they are working. The companies with good WFH cultures have set up rules and metrics to know whether it’s working for their business. You’ll need to have technology and resources that let your teams work remotely.

Can your business achieve its goals through remote work?
The pandemic may have proved the WFH model, but is this model sustainable? There are dozens of benefits to remote work. You can hire a more diverse workforce. You may save money on office space. Employees respond well to remote work. You reduce your carbon emissions.

But that can’t be your only measure of whether remote work fits into your vision for your organization. You should be looking at how employees will work remotely, but you need to consider why employees work remotely.

The work paradigm is shifting – how will you adapt?
The work environment has shifted over the past century. Remote work is here to stay, but how it fits into your company should be based on more than what employees want. You will have to work closely with managers and HR to build the WFH infrastructure that grows with your organization to support your teams.

We don’t know exactly how remote work will change over the next decade, but we do know that the workplace is being reinvented. Don’t just jump in because everyone is doing it. Make an investment in developing your WFH plan.

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Opinion Editorials

The truth about unemployment from someone who’s been through it

(EDITORIAL) Unemployment benefits aren’t what you thought they were. Here’s a first-hand experience and what you need to know.

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unemployment

Have I ever told you how I owed the government over two grand because of unemployment in 2019, and only just finished paying it back this year?

This isn’t exactly the forum for memoirs, but this is relevant to everyone. So I’ll tell y’all anyway.

It all started back in 2018 when I came into work early, microwaved my breakfast, poured coffee, and got pulled into a collaboration room to hear, “We love you and your work, April, but we’ve been bought out and you’re being laid off.”

It was kind of awkward carrying my stuff out to the car with that Jimmy Dean sandwich in my mouth.

More awkward still was the nine months of unemployment I went through afterwards. Between the fully clothed shower crying, the stream of job denial, catering to people who carried rocks in their nostrils at my part-time job (yes, ew, yes, really), and almost dying of no-health-insurance-itis, I learned a lot!

The bigger lesson though, came in the spring of the following year when I filed my taxes. I should back up for a moment and take the time to let those of you unfamiliar with unemployment in Texas in on a few things that aren’t common knowledge.

1: You’re only eligible if you were laid off. Not if you had quit. Not fired. Your former company can also choose to challenge your eligibility for benefits if they didn’t like your face on the way out. So the only way you’re 100% guaranteed to get paid in (what the state calls) “a timely manner”, is a completely amicable split.

2: Overpayments have to go back. Immediately. If there’s an error, like several thousand of Texans found out this week, the government needs that cash back before you can access any more. If you’re not watching your bank account to make sure you’re getting the exact same check each time and you have an overpayment, rest assured that mistake isn’t going to take long to correct. Unfortunately, if you spent that money unknowingly–thought you got an ‘in these uncertain times’ kinder and gentler adjustment and have 0 income, you have a problem. Tying into Coronavirus nonsense is point three!

3: There are no sick days. If ever you’re unable to work for any reason, be it a car accident, childbirth, horrible internal infection (see also no-health-insurance-itis), you are legally required to report it, and you will not be paid for any days you were incapacitated. Personally, my no-health-insurance-itis came with a bad fever and bedrest order that axed me out of my part time job AND killed my unemployment benefits for the week I spent getting my internal organs to like me again. But as it turned out, the payment denial came at the right time because–

4: Unemployment benefits are finite. Even if you choose to lie on your request forms about how hard you’re searching for work, coasting is ill-advised because once the number the state allots you runs out…it’s out. Don’t lie on your request forms, by the way. In my case, since I got cut from my part-time gig, I got a call from the Texas Workforce Commission about why my hours were short. I was able to point out where I’d reported my sickness to them and to my employer, so my unpaid week rolled over to a later request date. I continued to get paid right up until my hiring date which was also EXACTLY when my benefits ran out.

Unemployment isn’t a career, which is odd considering the fact that unemployment payments are qualified by the government as income.

Ergo, fact number five…

5: Your benefits? They’re taxed.

That’s right, you will be TAXED for not having a job.

The stereotype of the ‘lazy unemployment collector burdening society’ should be fading pretty quickly for the hitherto uninformed about now.

To bring it back to my story, I’d completely forgotten that when I filed for unemployment in the first place, I’d asked for my taxes NOT to be withheld from it–assuming that I wasn’t going to be searching for full time work for very long. I figured “Well, I’ll have a tax refund coming since I’ll get work again no problem, it’ll cancel out.”

Except, it was a problem. Because of the nine month situation.

I’d completely forgotten about it by the time I threw myself into my new job, but after doing my taxes, triple checking the laws and what I’d signed, it was clear. Somehow…despite being at my lowest point in life, I owed the highest amount in taxes, somewhere around the 2k mark.

Despite being based on a system that’s tied to how much income you were getting before, and all the frustrating “safeguards” put in place to keep payments as low and infrequent as possible, Uncle Sam still wants a bite out of the gas-station Hostess pie that is your unemployment check. And as I’m writing this, more and more people are finding that out. And even as we enter 2021, there is still more to be aware of – we’re not out of the woods yet.

I’d like to end this on a more positive note… So let’s say we’ve all been positively educated! That’s a net gain, surely.

Keep your heads up, and masked.

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