# trend_items

topic_name: Humidifier that costs almost nothing
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxaqas/humidifier_that_costs_almost_nothing/
collected_at: 2026-02-12T00:06:01.656993+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qxaqas", "score": 454, "num_comments": 145, "created_utc": 1770361233.0, "selftext": "If you have some pots or bowls laying around (or want to buy any kind for cheap), you can make a humidifier by setting your pots next to each other and placing a paper towel between them, one end dipped in each pot. The paper towel draws up water and evaporates it much quicker than just leaving pots of water out. \n\n  \nI used to wake up with a bloody nose everyday because it was so dry and now I don't even notice it.\n\n  \nIt's really easy to refill, just get a cup and pour a decent amount of water", "sort": "hot", "upvote_ratio": 0.88, "author": "CheckLatter1150"}

selftext:
If you have some pots or bowls laying around (or want to buy any kind for cheap), you can make a humidifier by setting your pots next to each other and placing a paper towel between them, one end dipped in each pot. The paper towel draws up water and evaporates it much quicker than just leaving pots of water out. 

  
I used to wake up with a bloody nose everyday because it was so dry and now I don't even notice it.

  
It's really easy to refill, just get a cup and pour a decent amount of water


topic_name: Best Credit Cards for someone with a 650 credit?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r22t15/best_credit_cards_for_someone_with_a_650_credit/
collected_at: 2026-02-12T00:06:10.587951+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r22t15", "score": 1, "num_comments": 2, "created_utc": 1770829148.0, "selftext": "Id like to get a credit card and one preferably with 0% Apr intro rate and 0 renewal fees. Does anyone have any suggestions? I'm going on a business trio and will be spending 1k so I thought now would be a good time.", "sort": "hot", "upvote_ratio": 0.67, "author": "CoffeeBiscuitTea"}

selftext:
Id like to get a credit card and one preferably with 0% Apr intro rate and 0 renewal fees. Does anyone have any suggestions? I'm going on a business trio and will be spending 1k so I thought now would be a good time.


topic_name: Wells Fargo Autograph Guide for Those Moving On From BILT
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qewsiq/wells_fargo_autograph_guide_for_those_moving_on/
collected_at: 2026-02-12T00:06:13.782151+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qewsiq", "score": 91, "num_comments": 70, "created_utc": 1768607940.0, "selftext": "With BILT 1.0 winding down, I\u2019ve decided to keep my Wells Fargo Autograph open (mainly to preserve the credit line) and skip BILT 2.0 for reasons I think most of Reddit already understands.\n\nSince Autograph actually has some interesting 3x categories, I wanted to crowdsource some real-world data points on benefits that aren\u2019t super well defined by Wells Fargo.\n\nHoping this can turn into a useful reference for other BILT converts.\n\n**1. 3x on Gas Stations &amp; Transit**\n\nWells Fargo lists this c", "sort": "top", "upvote_ratio": 0.98, "author": "Defin1telyNotBatman"}

selftext:
With BILT 1.0 winding down, I’ve decided to keep my Wells Fargo Autograph open (mainly to preserve the credit line) and skip BILT 2.0 for reasons I think most of Reddit already understands.

Since Autograph actually has some interesting 3x categories, I wanted to crowdsource some real-world data points on benefits that aren’t super well defined by Wells Fargo.

Hoping this can turn into a useful reference for other BILT converts.

**1. 3x on Gas Stations &amp; Transit**

Wells Fargo lists this c


topic_name: NY Assault case against me with no witnesses, I wasn't there
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r263ot/ny_assault_case_against_me_with_no_witnesses_i/
collected_at: 2026-02-12T00:06:18.920930+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r263ot", "score": 2, "num_comments": 2, "created_utc": 1770836153.0, "selftext": "Location: Rural Western New York. \n\nNo criminal history at all, and Im looking at jail time for felony assault. \n\nMy wife called 911, police showed up to the house, filed report that I attacked her and then left. She sat in an ambulance out front to get checked out, didnt want to go to the hospital, and thats it. I wasn't there. Not a single person saw me or claims to have, besides my wife.\n\nI was arrested later that night taking a walk around the neighborhood. I hadn't been home all day. Can th", "sort": "hot", "upvote_ratio": 0.67, "author": "Next-Meringue-110"}

selftext:
Location: Rural Western New York. 

No criminal history at all, and Im looking at jail time for felony assault. 

My wife called 911, police showed up to the house, filed report that I attacked her and then left. She sat in an ambulance out front to get checked out, didnt want to go to the hospital, and thats it. I wasn't there. Not a single person saw me or claims to have, besides my wife.

I was arrested later that night taking a walk around the neighborhood. I hadn't been home all day. Can th


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qdu5wd/my_mom_is_saying_the_county_is_going_to_press/
collected_at: 2026-02-12T00:06:22.356595+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
My mom is saying the county is going to press charges against me for “lying”, is this true and what do I do?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qdu5wd", "score": 818, "num_comments": 59, "created_utc": 1768507430.0, "selftext": "Location: Wisconsin\n\nAbout 2 summers ago my mom kicked me out and then reported me as a runaway and when the cops got me I had told them I was scared to go home because she had thrown me to the floor in the past and was scared she\u2019d do something more like hit me. this was the truth and wasn\u2019t an issue then, they just said they couldn\u2019t do anything and took me home. a few weeks ago my mom got really drunk and started shoving me and after I left she tried to end her life and so cops were called an", "sort": "top", "upvote_ratio": 0.95, "author": "Secure-Condition-712"}

selftext:
Location: Wisconsin

About 2 summers ago my mom kicked me out and then reported me as a runaway and when the cops got me I had told them I was scared to go home because she had thrown me to the floor in the past and was scared she’d do something more like hit me. this was the truth and wasn’t an issue then, they just said they couldn’t do anything and took me home. a few weeks ago my mom got really drunk and started shoving me and after I left she tried to end her life and so cops were called an


topic_name: LPT: Choose your emergency contact carefully.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qtdx8n/lpt_choose_your_emergency_contact_carefully/
collected_at: 2026-02-12T00:06:28.286117+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qtdx8n", "score": 2836, "num_comments": 120, "created_utc": 1769987243.0, "selftext": "Hopefully nobody ever has to call your emergency contact. \n\nYour emergency contact should be someone who is less likely to be with you during the emergency, and someone who will be able to act swiftly. \n\nIf you\u2019re the parent who always takes the kids to activities and appointments, use the other parent for the kids emergency contact. Where children are concerned, if there is an emergency they will likely already be with an adult, and if you\u2019re the parent doing most of the ferrying, that adult wo", "sort": "hot", "upvote_ratio": 0.96, "author": "sinskins"}

selftext:
Hopefully nobody ever has to call your emergency contact. 

Your emergency contact should be someone who is less likely to be with you during the emergency, and someone who will be able to act swiftly. 

If you’re the parent who always takes the kids to activities and appointments, use the other parent for the kids emergency contact. Where children are concerned, if there is an emergency they will likely already be with an adult, and if you’re the parent doing most of the ferrying, that adult wo


topic_name: How do people evaluate quality with high end handmade home décor?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r114nm/how_do_people_evaluate_quality_with_high_end/
collected_at: 2026-02-12T00:06:36.789736+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r114nm", "score": 2, "num_comments": 8, "created_utc": 1770731112.0, "selftext": "There\u2019s a noticeable gap in how people talk about mass-produced home d\u00e9cor versus\r\nhandmade pieces, especially when it comes to rugs and textiles. With factory products,\r\ncomparisons are usually straightforward price, materials, reviews, and return policies.\r\nHandmade items are different. Two pieces can look similar on paper yet feel very different in\r\nperson, and that makes evaluation less obvious.\n\r\nA lot of boutique sites focus on storytelling and visuals, but that doesn\u2019t always translate in", "sort": "hot", "upvote_ratio": 0.63, "author": "ArtNo1843"}

selftext:
There’s a noticeable gap in how people talk about mass-produced home décor versus
handmade pieces, especially when it comes to rugs and textiles. With factory products,
comparisons are usually straightforward price, materials, reviews, and return policies.
Handmade items are different. Two pieces can look similar on paper yet feel very different in
person, and that makes evaluation less obvious.

A lot of boutique sites focus on storytelling and visuals, but that doesn’t always translate in


source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000098+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
topic_name:
Can someone review my details and help me understand if my assessment is correct re: different ages?

url:
https://reddit.com/r/financialindependence/comments/1qoxgcl/can_someone_review_my_details_and_help_me/

metadata:
{"subreddit": "financialindependence", "post_id": "1qoxgcl", "score": 0, "num_comments": 16, "created_utc": 1769564083.0, "selftext": "Looking for input and advice. Or, maybe confirmation that I\u2019ve assessed things correctly or that I\u2019ve gotten it all wrong.\n\nA few variables that complicate things for my brain when it comes to considering my situation are:\n\n- I am 40, and my husband is 60, so with this large an age gap, I am thinking about some things very early.\n\n- I am a dual US/CAN citizen with work experience in both countries; my husband is a US citizen with work experience in the US only.\n\n**Primary Goal**: Determine when ", "sort": "hot", "upvote_ratio": 0.35, "author": "tointex"}

selftext:
Looking for input and advice. Or, maybe confirmation that I’ve assessed things correctly or that I’ve gotten it all wrong.

A few variables that complicate things for my brain when it comes to considering my situation are:

- I am 40, and my husband is 60, so with this large an age gap, I am thinking about some things very early.

- I am a dual US/CAN citizen with work experience in both countries; my husband is a US citizen with work experience in the US only.

**Primary Goal**: Determine when 


topic_name: Can YOU Switch The Ring From SPINNING To FLIPPING!?
source: youtube
region: US
url: https://youtube.com/watch?v=6tIbjogL32E
collected_at: 2026-02-12T00:04:30.534747
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "6tIbjogL32E", "channel": "Onellydd", "category": "Entertainment", "category_id": 24, "views": "5002557", "view_count": 5002557, "likes": "159552", "published_at": "2026-02-08T00:20:11Z"}


topic_name: Two Retirement Accounts
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r28d0w/two_retirement_accounts/
collected_at: 2026-02-12T00:04:41.814976+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r28d0w", "score": 1, "num_comments": 7, "created_utc": 1770841120.0, "selftext": "I currently have 2 retirement accounts. One from a previous job which I no longer contribute to and my current one from my current employer. Would the best option be to combine these or is it ok to just leave them be?", "sort": "hot", "upvote_ratio": 1.0, "author": "Pizza4pocket"}

selftext:
I currently have 2 retirement accounts. One from a previous job which I no longer contribute to and my current one from my current employer. Would the best option be to combine these or is it ok to just leave them be?


topic_name: Former employer refusing to mail W-2
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qvsqkx/former_employer_refusing_to_mail_w2/
collected_at: 2026-02-12T00:04:45.418261+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qvsqkx", "score": 289, "num_comments": 58, "created_utc": 1770221558.0, "selftext": "My former employer has my W-2 in their branch office. The employer sent a notification email to me on February 3rd. I emailed back requesting them to mail it, but the employer simply responded that they will hold it at the office and that I can pick it up next month(s), etc. I am unable to pick it up. What now?", "sort": "top", "upvote_ratio": 0.9, "author": "AsianMasterium"}

selftext:
My former employer has my W-2 in their branch office. The employer sent a notification email to me on February 3rd. I emailed back requesting them to mail it, but the employer simply responded that they will hold it at the office and that I can pick it up next month(s), etc. I am unable to pick it up. What now?


topic_name: Temporary tags
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0j987/temporary_tags/
collected_at: 2026-02-12T00:04:50.635797+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0j987", "score": 2, "num_comments": 5, "created_utc": 1770677187.0, "selftext": "Hi! So my husband and I purchased a car on 1/4/26 and today on 1/9/26 he was pulled over and given a ticket for the temporary tag not showing the expiration date. I contacted the dealership and they said they \u201calways put the purchase date\u201d on those and when i googled it said it was supposed to show the expiration date, not purchase date. Can someone tell me if that is correct? Did the dealership mess up? Is this a new law? \n\nThanks in advance!!", "sort": "hot", "upvote_ratio": 0.67, "author": "Nekomasmanager"}

selftext:
Hi! So my husband and I purchased a car on 1/4/26 and today on 1/9/26 he was pulled over and given a ticket for the temporary tag not showing the expiration date. I contacted the dealership and they said they “always put the purchase date” on those and when i googled it said it was supposed to show the expiration date, not purchase date. Can someone tell me if that is correct? Did the dealership mess up? Is this a new law? 

Thanks in advance!!


topic_name: In over my head
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1o9ii/in_over_my_head/
collected_at: 2026-02-12T00:04:59.457566+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1o9ii", "score": 1, "num_comments": 11, "created_utc": 1770786065.0, "selftext": "Hi all - this will probably be lengthy, but I am desperate for sound advice.\n\nI am 28F, I\u2019ve been working in the service industry since I was 15, and I have, of course, been financially irresponsible and/or ignorant for a long time. Also operating with the mindset that I would not last long in this life, if you know what I mean. \n\nMy upbringing was not awful, by any means. Both of my parents never really had it figured out financially, and so I feel like - to put a long story short - I feel incr", "sort": "hot", "upvote_ratio": 0.67, "author": "Swimming_Machine_792"}

selftext:
Hi all - this will probably be lengthy, but I am desperate for sound advice.

I am 28F, I’ve been working in the service industry since I was 15, and I have, of course, been financially irresponsible and/or ignorant for a long time. Also operating with the mindset that I would not last long in this life, if you know what I mean. 

My upbringing was not awful, by any means. Both of my parents never really had it figured out financially, and so I feel like - to put a long story short - I feel incr


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489296+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
After paying down around $11,000 total in credit card debt on 3 different cards and paying off my car, I'm finally debt free after many, many years!

url:
https://reddit.com/r/povertyfinance/comments/1qdlrjd/after_paying_down_around_11000_total_in_credit/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qdlrjd", "score": 858, "num_comments": 60, "created_utc": 1768489166.0, "selftext": "Just wanted to share with you guys. It's been such a huge stress for an incredibly long time so it feels amazing to finally be done. ", "sort": "top", "upvote_ratio": 0.99, "author": "Uchihagod53"}

selftext:
Just wanted to share with you guys. It's been such a huge stress for an incredibly long time so it feels amazing to finally be done. 


topic_name: Art commission scam on Instagram
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1qdt3/art_commission_scam_on_instagram/
collected_at: 2026-02-12T00:05:08.886768+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1qdt3", "score": 0, "num_comments": 6, "created_utc": 1770792991.0, "selftext": "This is a reupload because the original got taken down- I got a new follower yesterday. The account looked a little sketchy, having no posts, no commission prices etc, but I followed them back anyways. Not even 5 minutes later they texted me asking if I want to commission them, and when I asked for examples, they sent me images from Google and R34 \ud83d\ude2d Not that the first giveaway was the extremely inconsistent art style (some people do struggle with that but this one was REALLY obvious) and the shi", "sort": "hot", "upvote_ratio": 0.38, "author": "H3nta1T0ast3r"}

selftext:
This is a reupload because the original got taken down- I got a new follower yesterday. The account looked a little sketchy, having no posts, no commission prices etc, but I followed them back anyways. Not even 5 minutes later they texted me asking if I want to commission them, and when I asked for examples, they sent me images from Google and R34 😭 Not that the first giveaway was the extremely inconsistent art style (some people do struggle with that but this one was REALLY obvious) and the shi


topic_name: US-I think my wife is being scammed advice?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qhhidq/usi_think_my_wife_is_being_scammed_advice/
collected_at: 2026-02-12T00:05:12.358943+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qhhidq", "score": 102, "num_comments": 39, "created_utc": 1768858531.0, "selftext": "So my wife was befrinded by this lady on facebook who i think is a total con artist but my wife is totally sold on her. Am i right to be concerned or am i just being overreactive?\n\nFirst of all they met in a facebook group about helping people going through stuff and gifting stuff through amazon.\n\nHere is some of the stories that my wife has relayed to me that she was told:\n\n1st. Within a few days of them messaging, her friend \u201clost her debit card\u201d, and someone found it and drained their(her and", "sort": "top", "upvote_ratio": 0.93, "author": "Notme2047"}

selftext:
So my wife was befrinded by this lady on facebook who i think is a total con artist but my wife is totally sold on her. Am i right to be concerned or am i just being overreactive?

First of all they met in a facebook group about helping people going through stuff and gifting stuff through amazon.

Here is some of the stories that my wife has relayed to me that she was told:

1st. Within a few days of them messaging, her friend “lost her debit card”, and someone found it and drained their(her and


topic_name: SolutionInn created a fake review in my name
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pioxvv/solutioninn_created_a_fake_review_in_my_name/
collected_at: 2026-02-12T00:05:17.889840+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1pioxvv", "score": 1204, "num_comments": 30, "created_utc": 1765328477.0, "selftext": "What the serious hell, I ordered this textbook because I have a final exam in 2 days. After I order it I went to check the customer reviews and I read this review without even reading the name of the person who wrote it. I clock the date and I go oh what a coincidence the same date I ordered the book. And lo and behold, it is my name on that review. Seriously weird I only got a subscription because I thought they had the textbook solutions turns out it was just an AI chatbot. Trying to cancel an", "sort": "hot", "upvote_ratio": 0.99, "author": "Extreme_Praline_8008"}

selftext:
What the serious hell, I ordered this textbook because I have a final exam in 2 days. After I order it I went to check the customer reviews and I read this review without even reading the name of the person who wrote it. I clock the date and I go oh what a coincidence the same date I ordered the book. And lo and behold, it is my name on that review. Seriously weird I only got a subscription because I thought they had the textbook solutions turns out it was just an AI chatbot. Trying to cancel an


topic_name: Ignore your family
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qwtq95/ignore_your_family/
collected_at: 2026-02-12T00:05:26.020563+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qwtq95", "score": 33, "num_comments": 11, "created_utc": 1770317103.0, "selftext": "The words of wisdom of the Ringana hun today is to ignore critique and just join the MLM even if you or your family is in doubt. It will bring you freedom and success and your family will have to get used to it. \n\nbesides\u2026she has two of the rare spots available this month too (she has still 1 person in her downline LOL).", "sort": "hot", "upvote_ratio": 0.97, "author": "Timely-Amount-4161"}

selftext:
The words of wisdom of the Ringana hun today is to ignore critique and just join the MLM even if you or your family is in doubt. It will bring you freedom and success and your family will have to get used to it. 

besides…she has two of the rare spots available this month too (she has still 1 person in her downline LOL).


topic_name: Arieyl Dying? Dozens attend their annual meeting, dozens!
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qfru2a/arieyl_dying_dozens_attend_their_annual_meeting/
collected_at: 2026-02-12T00:05:30.135169+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qfru2a", "score": 139, "num_comments": 19, "created_utc": 1768691321.0, "selftext": "Delulu hun doesn't want you to miss the energy of an empty ballroom in Orlando.  \n\nI wonder how long until they close like so many MLMs before them. ", "sort": "top", "upvote_ratio": 0.99, "author": "Troopshipsonfire"}

selftext:
Delulu hun doesn't want you to miss the energy of an empty ballroom in Orlando.  

I wonder how long until they close like so many MLMs before them. 


topic_name: Hit and run, or so I thought
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1q5f2/hit_and_run_or_so_i_thought/
collected_at: 2026-02-12T00:05:44.256727+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1q5f2", "score": 1, "num_comments": 2, "created_utc": 1770792159.0, "selftext": "I was side swiped and slid across the freeway and luckily was able to get on the side of the road. It was dark and I didn't see where the other driver was so I assumed it was a hit and run. \n\nCop asked what car was it, I said I wasn't sure maybe a navy blue box car and he asked if it was a jeep and I said I don't know and he walked away from me never confirming nor denying. So I'm still left unsure of where the driver is. \n\nI talked to my insurance and she told me they do have the other parties ", "sort": "hot", "upvote_ratio": 1.0, "author": "Various_Mechanic5290"}

selftext:
I was side swiped and slid across the freeway and luckily was able to get on the side of the road. It was dark and I didn't see where the other driver was so I assumed it was a hit and run. 

Cop asked what car was it, I said I wasn't sure maybe a navy blue box car and he asked if it was a jeep and I said I don't know and he walked away from me never confirming nor denying. So I'm still left unsure of where the driver is. 

I talked to my insurance and she told me they do have the other parties 


topic_name: Can an insurer refuse to pay a total loss claim just because the building was “underinsured”?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qxqm39/can_an_insurer_refuse_to_pay_a_total_loss_claim/
collected_at: 2026-02-12T00:05:47.658431+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qxqm39", "score": 13, "num_comments": 59, "created_utc": 1770404531.0, "selftext": "I\u2019m hoping to sanity-check something I THINK I\u2019m being told by two different brokers, because it doesn\u2019t fully make sense to me.\n\nShopping for coverage for a multifamily property in California.\n\nWe are intentionally looking to carry $4.2M of building coverage, because we believe this is what it would cost to rebuild our particular building, given our connections in the builder community, and the quality of product we would be rebuilding (simple work-force apartment housing). We feel very informe", "sort": "top", "upvote_ratio": 0.74, "author": "whynotthebest"}

selftext:
I’m hoping to sanity-check something I THINK I’m being told by two different brokers, because it doesn’t fully make sense to me.

Shopping for coverage for a multifamily property in California.

We are intentionally looking to carry $4.2M of building coverage, because we believe this is what it would cost to rebuild our particular building, given our connections in the builder community, and the quality of product we would be rebuilding (simple work-force apartment housing). We feel very informe


topic_name: reddit ads imitating blurred posts is mildly insidious
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1nrexiv/reddit_ads_imitating_blurred_posts_is_mildly/
collected_at: 2026-02-12T00:05:53.366393+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1nrexiv", "score": 55, "num_comments": 4, "created_utc": 1758925773.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.97, "author": "tubameister"}


topic_name: Student and/or Military discounts for flights?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qytkke/student_andor_military_discounts_for_flights/
collected_at: 2026-02-12T00:06:01.656997+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qytkke", "score": 0, "num_comments": 5, "created_utc": 1770508730.0, "selftext": "This may not be the right place but I'm looking to visit my sister who lives in France this summer and I'm hoping someone has any information on flight discounts I could take advantage of.\n\n  \nI live in the US, I have a student ID and edu email, and I have a military ID through my parents. Does anyone know of any airlines that may offer discounts related to any of these, or even just youth discounts? I've been looking for flights and they're so expensive since I'm visiting during the summer. I'm", "sort": "hot", "upvote_ratio": 0.27, "author": "probably_insane_"}

selftext:
This may not be the right place but I'm looking to visit my sister who lives in France this summer and I'm hoping someone has any information on flight discounts I could take advantage of.

  
I live in the US, I have a student ID and edu email, and I have a military ID through my parents. Does anyone know of any airlines that may offer discounts related to any of these, or even just youth discounts? I've been looking for flights and they're so expensive since I'm visiting during the summer. I'm


topic_name: I need to save 3k in 3 months, give me all your tips please!
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qo5u1u/i_need_to_save_3k_in_3_months_give_me_all_your/
collected_at: 2026-02-12T00:06:05.044574+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qo5u1u", "score": 303, "num_comments": 179, "created_utc": 1769494166.0, "selftext": "Like the title says I need to save $3,000 in 3 months for a surgery (love American healthcare). I make about $3,400 a month, $1,500 goes to bills and another $200 on student loans. I live in a big city so everything feels expensive and I feel like i spend min. $20 whenever I step outside. I don\u2019t have a great savings (I know I suck) as I\u2019m not really great with money as I just spend it all :/ Please help me with any tips or advise I would greatly appreciate it! ", "sort": "top", "upvote_ratio": 0.92, "author": "A-A-A-000"}

selftext:
Like the title says I need to save $3,000 in 3 months for a surgery (love American healthcare). I make about $3,400 a month, $1,500 goes to bills and another $200 on student loans. I live in a big city so everything feels expensive and I feel like i spend min. $20 whenever I step outside. I don’t have a great savings (I know I suck) as I’m not really great with money as I just spend it all :/ Please help me with any tips or advise I would greatly appreciate it! 


topic_name: Rate my Credit Card Setup! Suggestions welcomed.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r22o13/rate_my_credit_card_setup_suggestions_welcomed/
collected_at: 2026-02-12T00:06:10.587955+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r22o13", "score": 1, "num_comments": 8, "created_utc": 1770828834.0, "selftext": "Open to suggestions on how to improve my CC setup: \n\n**1**. **BofA Customized Cash**: 5.25x dining. I have BofA Preferred Rewards\n\n**2. BofA Premium Rewards Elite**: taking a break from this card for spending with the Bilt Palladium card for now. But it is $550 a year but I travel a lot and really value Priority Pass restaurants and have gifted my mom, aunt, and wife Priority Pass too. $300 airline incidental credit that I just buy United Travel Bank and Lifestyle $150 on Uber. \n\n**3. Citi Custo", "sort": "hot", "upvote_ratio": 0.67, "author": "Rgyallay97"}

selftext:
Open to suggestions on how to improve my CC setup: 

**1**. **BofA Customized Cash**: 5.25x dining. I have BofA Preferred Rewards

**2. BofA Premium Rewards Elite**: taking a break from this card for spending with the Bilt Palladium card for now. But it is $550 a year but I travel a lot and really value Priority Pass restaurants and have gifted my mom, aunt, and wife Priority Pass too. $300 airline incidental credit that I just buy United Travel Bank and Lifestyle $150 on Uber. 

**3. Citi Custo


topic_name: Presumptive positive first pre trail drug screen
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2c0ew/presumptive_positive_first_pre_trail_drug_screen/
collected_at: 2026-02-12T00:06:18.920934+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2c0ew", "score": 0, "num_comments": 1, "created_utc": 1770849416.0, "selftext": "Location: Houston\n\nSo I got a class B possession charge(first offense) was arrested on Jan 4th, first court date was Jan 12th where I got a court appointed lawyer and my bond conditions were set with random pre trail drug screening. Second court date was yesterday my lawyer wants a PTI ,prosecution wants probation .My first test was today on the 11th and I got a presumptive positive for thc and they are sending it to a lab, I immediately notified my lawyer. I have not used any substances since m", "sort": "hot", "upvote_ratio": 0.5, "author": "Formal_Audience3461"}

selftext:
Location: Houston

So I got a class B possession charge(first offense) was arrested on Jan 4th, first court date was Jan 12th where I got a court appointed lawyer and my bond conditions were set with random pre trail drug screening. Second court date was yesterday my lawyer wants a PTI ,prosecution wants probation .My first test was today on the 11th and I got a presumptive positive for thc and they are sending it to a lab, I immediately notified my lawyer. I have not used any substances since m


topic_name: Boss rescinds gift to avoid taxes
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qz653x/boss_rescinds_gift_to_avoid_taxes/
collected_at: 2026-02-12T00:06:22.356600+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qz653x", "score": 802, "num_comments": 200, "created_utc": 1770548449.0, "selftext": "I worked for a small company for about 40 years. The boss closed the business and took his equity. He gifted me $145K wired from his personal bank account to me. In this way, we both avoided paying taxes through the gift tax exclusion. this transaction occurred in 2024. Now, I received a 1099NEC for $150K dated 2025. How can he do this? So now it seems that I have to pay tax on that money, it no longer being a gift, but wages. This doesn't seem legal. First, the amount is wrong, and the payment ", "sort": "top", "upvote_ratio": 0.79, "author": "Icy-Progress-9982"}

selftext:
I worked for a small company for about 40 years. The boss closed the business and took his equity. He gifted me $145K wired from his personal bank account to me. In this way, we both avoided paying taxes through the gift tax exclusion. this transaction occurred in 2024. Now, I received a 1099NEC for $150K dated 2025. How can he do this? So now it seems that I have to pay tax on that money, it no longer being a gift, but wages. This doesn't seem legal. First, the amount is wrong, and the payment 


topic_name: LPT: If you attend a wedding, bring a few band-aids/plasters
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qtrq9a/lpt_if_you_attend_a_wedding_bring_a_few/
collected_at: 2026-02-12T00:06:28.286120+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qtrq9a", "score": 318, "num_comments": 29, "created_utc": 1770028951.0, "selftext": "Many people wear new shoes when they attend a wedding, and many in the wedding party will be doing a lot of walking/dancing/whatever in those kind of shoes.  If you have a few band-aids/plasters in your jacket pocket and/or purse, you can help out discreetly when the inevitable blisters start causing discomfort. ", "sort": "hot", "upvote_ratio": 0.88, "author": "tcfjr"}

selftext:
Many people wear new shoes when they attend a wedding, and many in the wedding party will be doing a lot of walking/dancing/whatever in those kind of shoes.  If you have a few band-aids/plasters in your jacket pocket and/or purse, you can help out discreetly when the inevitable blisters start causing discomfort. 


source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789740+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
Keeping toasty with my 1920s Perfection Firelight heater during the cold snap in the northeast. Still works good as new.

url:
https://reddit.com/r/BuyItForLife/comments/1qzphc7/keeping_toasty_with_my_1920s_perfection_firelight/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzphc7", "score": 1520, "num_comments": 85, "created_utc": 1770596482.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "Legend_of_the_Wind"}


topic_name: What’s your rule for lending money to friends or family?
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000102+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qndi6c/whats_your_rule_for_lending_money_to_friends_or/

metadata:
{"subreddit": "financialindependence", "post_id": "1qndi6c", "score": 75, "num_comments": 244, "created_utc": 1769426797.0, "selftext": "I\u2019ve learned this can get complicated fast, so I try to be careful because you can it can lead to wrangles. For me, I don\u2019t lend beyond what I\u2019ve already budgeted for or can afford to lose without stress. It helps me avoid resentment and protect relationships.\n\nI\u2019m curious how others handle it like do you set clear limits, treat it like a gift, or avoid lending altogether?", "sort": "hot", "upvote_ratio": 0.74, "author": "Ok-Introduction-2981"}

selftext:
I’ve learned this can get complicated fast, so I try to be careful because you can it can lead to wrangles. For me, I don’t lend beyond what I’ve already budgeted for or can afford to lose without stress. It helps me avoid resentment and protect relationships.

I’m curious how others handle it like do you set clear limits, treat it like a gift, or avoid lending altogether?


topic_name: I Did 1,500 Dribbles In A Minute!
source: youtube
region: US
url: https://youtube.com/watch?v=6IPz8ZfmM-c
collected_at: 2026-02-12T00:04:30.766236
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "6IPz8ZfmM-c", "channel": "Dexton", "category": "Sports", "category_id": 17, "views": "4985384", "view_count": 4985384, "likes": "113866", "published_at": "2026-02-06T18:35:22Z"}


topic_name: Parent's Old Annuities to Shorter Term RILA
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r287kb/parents_old_annuities_to_shorter_term_rila/
collected_at: 2026-02-12T00:04:41.814980+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r287kb", "score": 1, "num_comments": 2, "created_utc": 1770840785.0, "selftext": "Parent is in their 70s and has IRAs in older fixed index annuities with max withdraw \\~5%\u00a0a year. Maturity date is 2050 so any profits wouldn't be realized until then (at which point they'd be 90+)\n\nI'm considering moving these into RILAs (Jackson Market Link II) based on the SP500 w/20% buffer over 6 years. Free withdraw/year is at \\~10%, then could obviously renew if they like.\u00a0\n\nAm I missing something in this strategy? I understand that lifetime annuities were appealing in that it's a stable\u00a0", "sort": "hot", "upvote_ratio": 1.0, "author": "Educational_Taro7544"}

selftext:
Parent is in their 70s and has IRAs in older fixed index annuities with max withdraw \~5% a year. Maturity date is 2050 so any profits wouldn't be realized until then (at which point they'd be 90+)

I'm considering moving these into RILAs (Jackson Market Link II) based on the SP500 w/20% buffer over 6 years. Free withdraw/year is at \~10%, then could obviously renew if they like. 

Am I missing something in this strategy? I understand that lifetime annuities were appealing in that it's a stable 


topic_name: Car Sales
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0fbt2/car_sales/
collected_at: 2026-02-12T00:04:50.635801+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0fbt2", "score": 3, "num_comments": 5, "created_utc": 1770668449.0, "selftext": "Currently in phone sales, it\u2019s not the worse Gig, but I kinda want to look into car sales. I love cars, I used to be a mechanic and knowledge on all angles of it. How is the job for \u201c beginners \u201c right now? With Phone sales becoming all done through Apps I\u2019ve seen less and less \u201cnew\u201d customers or customers wanting products in store because they get them shipped to the house. ", "sort": "hot", "upvote_ratio": 1.0, "author": "Low-Skin1968"}

selftext:
Currently in phone sales, it’s not the worse Gig, but I kinda want to look into car sales. I love cars, I used to be a mechanic and knowledge on all angles of it. How is the job for “ beginners “ right now? With Phone sales becoming all done through Apps I’ve seen less and less “new” customers or customers wanting products in store because they get them shipped to the house. 


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1quhttn/just_did_a_retiree_zplan_deal_at_a_ford/
collected_at: 2026-02-12T00:04:53.860382+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
Just did a Retiree Z-Plan deal at a Ford Dealership. Signed the papers, gave the down payment, Financing through Ford Motor Credit was approved, (my credit score is 807) and NOW the Finance manager calls two days later wanting me to sign new documents because they didn't charge me enough for the van

metadata:
{"subreddit": "askcarsales", "post_id": "1quhttn", "score": 16, "num_comments": 14, "created_utc": 1770091606.0, "selftext": "Just did a Retiree Z-Plan deal at a Ford Dealership. Signed the papers, gave the down payment, Financing through Ford Motor Credit was approved, (my credit score is 807) and NOW the Finance manager calls two days later wanting me to sign new documents because they didn't charge me enough for the van. Finance dude states he's raising my purchase price by $1,000 but he also adjusted out completely the $1,800 I paid for registration to Arizona. Tried to tell me my monthly payment is going down. It ", "sort": "top", "upvote_ratio": 0.74, "author": "Confident_Yak3989"}

selftext:
Just did a Retiree Z-Plan deal at a Ford Dealership. Signed the papers, gave the down payment, Financing through Ford Motor Credit was approved, (my credit score is 807) and NOW the Finance manager calls two days later wanting me to sign new documents because they didn't charge me enough for the van. Finance dude states he's raising my purchase price by $1,000 but he also adjusted out completely the $1,800 I paid for registration to Arizona. Tried to tell me my monthly payment is going down. It 


source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0b8sy/im_tired_of_people_judging_others_for_their/
collected_at: 2026-02-12T00:04:59.457570+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
I’m tired of people judging others for their financial decisions. Having debt doesn’t mean you’re dumb.

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0b8sy", "score": 641, "num_comments": 185, "created_utc": 1770659746.0, "selftext": "And I\u2019m really tired of the performative shock when someone doesn\u2019t have a fully funded emergency account, isn\u2019t maxing a 401k, or makes under $40k as if that\u2019s some kind of personal failure instead of an economic reality for millions of people.\n\nAnd I\u2019m tired of people insisting poverty is just a discipline problem. Life has layoffs, illness, rent hikes, family emergencies, and a failing job market with stagnant wages.\n\nIts gross. Our economy is in shambles.\n\n\u201cIn\u00a0**January 2026**, employers ann", "sort": "hot", "upvote_ratio": 0.88, "author": "Strong_Letterhead638"}

selftext:
And I’m really tired of the performative shock when someone doesn’t have a fully funded emergency account, isn’t maxing a 401k, or makes under $40k as if that’s some kind of personal failure instead of an economic reality for millions of people.

And I’m tired of people insisting poverty is just a discipline problem. Life has layoffs, illness, rent hikes, family emergencies, and a failing job market with stagnant wages.

Its gross. Our economy is in shambles.

“In **January 2026**, employers ann


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489299+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
Daughter is going to be kicked out of SUNY Albany if I don’t come up with $7500 in a week. I feel like a fuckin failure!

url:
https://reddit.com/r/povertyfinance/comments/1ql31rc/daughter_is_going_to_be_kicked_out_of_suny_albany/

metadata:
{"subreddit": "povertyfinance", "post_id": "1ql31rc", "score": 845, "num_comments": 259, "created_utc": 1769202533.0, "selftext": "She\u2019s a freshman there and we are ny residents. Grades weren\u2019t great so she didn\u2019t get much in terms of scholarships. Got accepted for the excelsior scholarship but that only paid \\~$2000. Classes already started and she\u2019s so let down. Any help on what I can do???", "sort": "top", "upvote_ratio": 0.91, "author": "shakin_in_my_bootzz"}

selftext:
She’s a freshman there and we are ny residents. Grades weren’t great so she didn’t get much in terms of scholarships. Got accepted for the excelsior scholarship but that only paid \~$2000. Classes already started and she’s so let down. Any help on what I can do???


topic_name: [Ma] What is this Scam’s motive?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1y2rn/ma_what_is_this_scams_motive/
collected_at: 2026-02-12T00:05:08.886776+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1y2rn", "score": 0, "num_comments": 62, "created_utc": 1770818274.0, "selftext": "I met a guy on a dating app and we been talking for a while. This guy claims to be super wealthy with always lots of lifestyle stories and very Hot pictures, claims to be of very high social class etc.. Something deep inside of me always knew he was faking his life. Anw, he\u2019s been calling me daily for 2 last months and we did build a connection- regardless of his fake persona I actually enjoyed talking to him a lot. \n\n\n\nAlongside our online discussions we were talking about business idea and we ", "sort": "hot", "upvote_ratio": 0.28, "author": "Efficient-Activity76"}

selftext:
I met a guy on a dating app and we been talking for a while. This guy claims to be super wealthy with always lots of lifestyle stories and very Hot pictures, claims to be of very high social class etc.. Something deep inside of me always knew he was faking his life. Anw, he’s been calling me daily for 2 last months and we did build a connection- regardless of his fake persona I actually enjoyed talking to him a lot. 



Alongside our online discussions we were talking about business idea and we 


topic_name: (US) Child in danger call
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qrvnf3/us_child_in_danger_call/
collected_at: 2026-02-12T00:05:12.358947+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qrvnf3", "score": 89, "num_comments": 26, "created_utc": 1769843503.0, "selftext": "So this happened a couple years ago. My little brother was in middle school. He has autism and is non verbal. He has a device that he uses to communicate sometimes. My mom was going to pick him up from school and I was home alone. \n\nSome time had passed and I was thinking \u201chmm they should both be here already\u201d. I was getting slightly worried about them not being home yet. \n\nThen I got a call from a random number. I can\u2019t remember if it had my area code or not. I heard someone crying and panickin", "sort": "top", "upvote_ratio": 0.95, "author": "fatherless_since_09"}

selftext:
So this happened a couple years ago. My little brother was in middle school. He has autism and is non verbal. He has a device that he uses to communicate sometimes. My mom was going to pick him up from school and I was home alone. 

Some time had passed and I was thinking “hmm they should both be here already”. I was getting slightly worried about them not being home yet. 

Then I got a call from a random number. I can’t remember if it had my area code or not. I heard someone crying and panickin


topic_name: Amazon search ONLY SHOWS sponsored content with no clear way to view normal results
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889845+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1phdwig/amazon_search_only_shows_sponsored_content_with/

metadata:
{"subreddit": "assholedesign", "post_id": "1phdwig", "score": 3948, "num_comments": 199, "created_utc": 1765204464.0, "selftext": "Every single row is sponsored with multiple pages of scrolling and there is not even a \u201cnext page\u201d button. At least they get points for being honest that their search isn\u2019t legitimate ", "sort": "hot", "upvote_ratio": 0.98, "author": "Countchrisdo"}

selftext:
Every single row is sponsored with multiple pages of scrolling and there is not even a “next page” button. At least they get points for being honest that their search isn’t legitimate 


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qwbdaj/a_person_i_went_to_high_school_with_tried_to_get/
collected_at: 2026-02-12T00:05:26.020567+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
A person I went to high school with tried to get me to join their MLM because “every business is a pyramid scheme”.

metadata:
{"subreddit": "antiMLM", "post_id": "1qwbdaj", "score": 394, "num_comments": 125, "created_utc": 1770265307.0, "selftext": "TL;DR A person that I went to high school with attempted to recruit me into their MLM. After doing minimal research their website looks shady and so does all of their socials. Combine this with the vague statements and aggressive attitude and I smell something fishy. Looks like I\u2019ll have to miss out on the \u201cfree drip\u201d. I declined on three separate occasions. ", "sort": "hot", "upvote_ratio": 0.98, "author": "MisterNiblet"}

selftext:
TL;DR A person that I went to high school with attempted to recruit me into their MLM. After doing minimal research their website looks shady and so does all of their socials. Combine this with the vague statements and aggressive attitude and I smell something fishy. Looks like I’ll have to miss out on the “free drip”. I declined on three separate occasions. 


topic_name: Experience with Home Insurance in Hawaii
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1pmc4/experience_with_home_insurance_in_hawaii/
collected_at: 2026-02-12T00:05:44.256730+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1pmc4", "score": 1, "num_comments": 1, "created_utc": 1770790341.0, "selftext": "Going to be purchasing a long-term rental property on the Big Island about 45 min south of Kona and looking for advice on insurance or which carrier would be best?\n\nDetails below, though I can provide more if needed. \n\nProperty sits in a lava zone 2. \n\nI was quote $7800 annually but would like to do more due diligence before accepting the quote. ", "sort": "hot", "upvote_ratio": 1.0, "author": "Chewsepher"}

selftext:
Going to be purchasing a long-term rental property on the Big Island about 45 min south of Kona and looking for advice on insurance or which carrier would be best?

Details below, though I can provide more if needed. 

Property sits in a lava zone 2. 

I was quote $7800 annually but would like to do more due diligence before accepting the quote. 


topic_name: Colonoscopy screening turned diagnostic due to constipation. Standard of Practice?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qk4xrg/colonoscopy_screening_turned_diagnostic_due_to/
collected_at: 2026-02-12T00:05:47.658435+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qk4xrg", "score": 13, "num_comments": 12, "created_utc": 1769111824.0, "selftext": "I see many posts here and all over the internet regarding a screening colonoscopy turning diagnostic, usually due to a polyp being removed or history of CRC in the family. However, I haven\u2019t found any turning diagnostic due to constipation.\u00a0\n\nI am being billed for a diagnostic colonoscopy that was ordered by my PCP as a screening. It was my second ten year preventative scope. The first was clean and no specimens were taken. This one was clean and no specimens were taken. Thankful for both outcom", "sort": "top", "upvote_ratio": 0.79, "author": "MickyD_22"}

selftext:
I see many posts here and all over the internet regarding a screening colonoscopy turning diagnostic, usually due to a polyp being removed or history of CRC in the family. However, I haven’t found any turning diagnostic due to constipation. 

I am being billed for a diagnostic colonoscopy that was ordered by my PCP as a screening. It was my second ten year preventative scope. The first was clean and no specimens were taken. This one was clean and no specimens were taken. Thankful for both outcom


topic_name: Amazon to Pay $2.5 Billion to Settle FTC Suit That Alleged ‘Dark Patterns’ in Prime Sign-Ups
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366396+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1nqn7nc/amazon_to_pay_25_billion_to_settle_ftc_suit_that/

metadata:
{"subreddit": "darkpatterns", "post_id": "1nqn7nc", "score": 32, "num_comments": 0, "created_utc": 1758846318.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.96, "author": "NoSupermarket6721"}


topic_name: What are your best tips for saving on groceries by cutting back on ingredients like meat?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxlfiw/what_are_your_best_tips_for_saving_on_groceries/
collected_at: 2026-02-12T00:06:01.657001+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qxlfiw", "score": 63, "num_comments": 133, "created_utc": 1770393437.0, "selftext": "I really like meat but it is getting more expensive. I am wondering what ways people have cut back in meals without noticing a big difference. I can cut back meat in soups by adding more beans or extra vegetables. Meat seems to be more filling and healthier than adding more starches. I am trying to find a happy medium but still have a filling meals and great taste. I love mushrooms, green beans, zucchini and spinach.", "sort": "hot", "upvote_ratio": 0.87, "author": "melissaw328"}

selftext:
I really like meat but it is getting more expensive. I am wondering what ways people have cut back in meals without noticing a big difference. I can cut back meat in soups by adding more beans or extra vegetables. Meat seems to be more filling and healthier than adding more starches. I am trying to find a happy medium but still have a filling meals and great taste. I love mushrooms, green beans, zucchini and spinach.


topic_name: Me making good financial decisions for 6 months straight
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qdc5p9/me_making_good_financial_decisions_for_6_months/
collected_at: 2026-02-12T00:06:05.044578+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qdc5p9", "score": 304, "num_comments": 33, "created_utc": 1768458551.0, "selftext": "Bank account: \ud83d\ude10\n\nStress levels: \ud83d\udcc8\n\nMotivation: \ud83d\udcc9\n\n  \nEvery month it feels like my paycheck disappears as soon as it arrives. Groceries, rent, utilities, and little subscriptions add up faster than I expect. Even small daily expenses make it hard to feel any progress, and saving seems impossible.\n\nYet, I keep going. cook more at home, and track every expense. I remind myself that financial progress is not instant. Hopefully, all these small decisions will eventually add up...\n\n", "sort": "top", "upvote_ratio": 0.96, "author": "No_Ganache8255"}

selftext:
Bank account: 😐

Stress levels: 📈

Motivation: 📉

  
Every month it feels like my paycheck disappears as soon as it arrives. Groceries, rent, utilities, and little subscriptions add up faster than I expect. Even small daily expenses make it hard to feel any progress, and saving seems impossible.

Yet, I keep going. cook more at home, and track every expense. I remind myself that financial progress is not instant. Hopefully, all these small decisions will eventually add up...


topic_name: Is the delta credit card worth it?? (Comparing airline cc)
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r21z41/is_the_delta_credit_card_worth_it_comparing/
collected_at: 2026-02-12T00:06:10.587959+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r21z41", "score": 1, "num_comments": 4, "created_utc": 1770827321.0, "selftext": "Living in SLC there\u2019s not a ton of non stop flight options outside of delta. SW cc has been worth it and basically don\u2019t pay for flights. United\u2019s credit card and points are basically worthless. Despite having over 100k points that still isn\u2019t enough to cover flights. Does anyone have all 3 and can help give perspective please!", "sort": "hot", "upvote_ratio": 0.67, "author": "OkAdministration783"}

selftext:
Living in SLC there’s not a ton of non stop flight options outside of delta. SW cc has been worth it and basically don’t pay for flights. United’s credit card and points are basically worthless. Despite having over 100k points that still isn’t enough to cover flights. Does anyone have all 3 and can help give perspective please!


topic_name: feeling defeated by the nerfs
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qdtfkt/feeling_defeated_by_the_nerfs/
collected_at: 2026-02-12T00:06:13.782155+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qdtfkt", "score": 89, "num_comments": 120, "created_utc": 1768505807.0, "selftext": "I've been in the credit card game for a while now. I initially juggled a dozen cards and churned to maximize value, got burned out, then transitioned to a simplistic approach and landed on an incredible set up that worked extremely well for me.\n\nMy workhorses were US Bank Altitude Reserve, US Bank Smartly, and BILT. Over the course of 6 months, all 3 have been tremendously nerfed like other CCs, and I'm not sure where to go from here. My credit score has taken a hit recently so I'm not in a posi", "sort": "top", "upvote_ratio": 0.86, "author": "rightgimp"}

selftext:
I've been in the credit card game for a while now. I initially juggled a dozen cards and churned to maximize value, got burned out, then transitioned to a simplistic approach and landed on an incredible set up that worked extremely well for me.

My workhorses were US Bank Altitude Reserve, US Bank Smartly, and BILT. Over the course of 6 months, all 3 have been tremendously nerfed like other CCs, and I'm not sure where to go from here. My credit score has taken a hit recently so I'm not in a posi


topic_name: Wage theft?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2bqv6/wage_theft/
collected_at: 2026-02-12T00:06:18.920938+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2bqv6", "score": 1, "num_comments": 0, "created_utc": 1770848814.0, "selftext": "Location: Chicago, IL\n\nI work in the \u201csales\u201d department of a large organization that recently was bought out by a top 10 Fortune 500 company. \n\nRemote work, phones. Hourly wage plus bonus/commission based on monthly sales goals. Sales goals fluctuate month by month with seasonality, volume, etc. \n\nWe have a tiered system for sales reps 1-4 which determines sales calls, volume, goals and commission scale. \n\nIn January my group had a sales goal of 47. I crushed that and finished with 97. Our tier,", "sort": "hot", "upvote_ratio": 1.0, "author": "Opening-Map4927"}

selftext:
Location: Chicago, IL

I work in the “sales” department of a large organization that recently was bought out by a top 10 Fortune 500 company. 

Remote work, phones. Hourly wage plus bonus/commission based on monthly sales goals. Sales goals fluctuate month by month with seasonality, volume, etc. 

We have a tiered system for sales reps 1-4 which determines sales calls, volume, goals and commission scale. 

In January my group had a sales goal of 47. I crushed that and finished with 97. Our tier,


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qd4vh4/fiancés_dad_has_taken_her_younger_sisters/
collected_at: 2026-02-12T00:06:22.356604+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Fiancé's dad has taken her younger sisters mattress away and is now feeding her 2 slices of bread for dinner.

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qd4vh4", "score": 776, "num_comments": 73, "created_utc": 1768437773.0, "selftext": "Location: Utah/Arizona\n\nA little bit of context. My Fianc\u00e9 grew up in the FLDS religion (polygamists) in Utah/Arizona. Her sister is 14 and has been growing closer to us and is giving us semi-regular updates to what is going on in their house.\n\nWe try to have her sister come over at least once a month to give her a bit of a \"vacation\" for a couple days but now their dad is rarely allowing her to come stay the night. He has taken her door off the hinges (not to mention her older brother (17) has ", "sort": "top", "upvote_ratio": 0.96, "author": "1joshc1"}

selftext:
Location: Utah/Arizona

A little bit of context. My Fiancé grew up in the FLDS religion (polygamists) in Utah/Arizona. Her sister is 14 and has been growing closer to us and is giving us semi-regular updates to what is going on in their house.

We try to have her sister come over at least once a month to give her a bit of a "vacation" for a couple days but now their dad is rarely allowing her to come stay the night. He has taken her door off the hinges (not to mention her older brother (17) has 


topic_name: LPT: When you apologize, add one future sentence. Next time I will do X.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qt0rym/lpt_when_you_apologize_add_one_future_sentence/
collected_at: 2026-02-12T00:06:28.286124+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qt0rym", "score": 583, "num_comments": 38, "created_utc": 1769958283.0, "selftext": "A lot of apologies, like I am sorry, and then the same thing happens again.\n\nWhat helped me is adding one simple future line that shows the change.\n\nExamples:\n\nI am sorry I got defensive. Next time I will listen first then answer.  \n  \nI am sorry I forgot. Next time I will put it on my calendar right away.\n\nIt makes the apology feel real because it turns regret into a plan. The future sentence is what rebuilds trust.", "sort": "hot", "upvote_ratio": 0.94, "author": "hjf25"}

selftext:
A lot of apologies, like I am sorry, and then the same thing happens again.

What helped me is adding one simple future line that shows the change.

Examples:

I am sorry I got defensive. Next time I will listen first then answer.  
  
I am sorry I forgot. Next time I will put it on my calendar right away.

It makes the apology feel real because it turns regret into a plan. The future sentence is what rebuilds trust.


topic_name: Homeowners insurance...?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1m48u/homeowners_insurance/
collected_at: 2026-02-12T00:06:36.789743+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1m48u", "score": 0, "num_comments": 13, "created_utc": 1770779802.0, "selftext": "My rates with Liberty are going up over 1k this year, and it has me ready to shop around. I'm wondering, who is the BIFL homeowners insurance provider? I'm assuming it's not one of the big players that advertises during the Superbowl.", "sort": "hot", "upvote_ratio": 0.21, "author": "one_scalloped_potato"}

selftext:
My rates with Liberty are going up over 1k this year, and it has me ready to shop around. I'm wondering, who is the BIFL homeowners insurance provider? I'm assuming it's not one of the big players that advertises during the Superbowl.


topic_name: I finally caved and got a new can opener.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qqoi3y/i_finally_caved_and_got_a_new_can_opener/
collected_at: 2026-02-12T00:06:40.492356+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qqoi3y", "score": 532, "num_comments": 76, "created_utc": 1769728721.0, "selftext": "So I buy most things that I need secondhand or at a deep discount because I\u2019m cheap. After buying several can openers at thrift stores and at discount stores that didn\u2019t work worth a damn, I finally caved and decided I would buy a nicer one brand new. I did a little research and a lot of people recommended swing away. I wanted one with the crank for my arthritis. I still got this out of the used section on Amazon, so it was probably a return. For some reason, I thought this was one with a foldin", "sort": "top", "upvote_ratio": 0.92, "author": "u_r_succulent"}

selftext:
So I buy most things that I need secondhand or at a deep discount because I’m cheap. After buying several can openers at thrift stores and at discount stores that didn’t work worth a damn, I finally caved and decided I would buy a nicer one brand new. I did a little research and a lot of people recommended swing away. I wanted one with the crank for my arthritis. I still got this out of the used section on Amazon, so it was probably a return. For some reason, I thought this was one with a foldin


topic_name: Part 2 | He Lost His Turtle 😂 #funny #hopecore #hopelesscore #comedy
source: youtube
region: US
url: https://youtube.com/watch?v=ZcxPMUoRdcU
collected_at: 2026-02-12T00:04:30.534694
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "ZcxPMUoRdcU", "channel": "Hopeless Core", "category": "Entertainment", "category_id": 24, "views": "4847706", "view_count": 4847706, "likes": "272926", "published_at": "2026-02-08T22:06:44Z"}


topic_name: Filed tax before Roth IRA contribution
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r27tzr/filed_tax_before_roth_ira_contribution/
collected_at: 2026-02-12T00:04:41.814984+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r27tzr", "score": 0, "num_comments": 12, "created_utc": 1770839942.0, "selftext": "I already filed our (MFJ) tax with freetaxUSA and got email confirmation that our return has been accepted. I reported that we contributed maximum $14,000 in Roth IRA for my spouse and I for 2025 tax year. The thing is we only contributed $7,000 for my spouse Roth IRA. I plan to contribute $7,000 to mine before April 15th. Will I have any issue with the tax man? We are well under the phase out threshold.", "sort": "hot", "upvote_ratio": 0.5, "author": "Invika17"}

selftext:
I already filed our (MFJ) tax with freetaxUSA and got email confirmation that our return has been accepted. I reported that we contributed maximum $14,000 in Roth IRA for my spouse and I for 2025 tax year. The thing is we only contributed $7,000 for my spouse Roth IRA. I plan to contribute $7,000 to mine before April 15th. Will I have any issue with the tax man? We are well under the phase out threshold.


source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418265+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Would you take a job in an LCOL city with HCOL pay, knowing that there’s only one employer that can pay at that level?

url:
https://reddit.com/r/personalfinance/comments/1qskvh4/would_you_take_a_job_in_an_lcol_city_with_hcol/

metadata:
{"subreddit": "personalfinance", "post_id": "1qskvh4", "score": 291, "num_comments": 208, "created_utc": 1769909973.0, "selftext": "We're renting in the Bay Area. Dual income with 2 kids in daycare. Combined income maxed out at $300,000. Homeownership is not realistically attainable.\n\nI just receive an offer in Indianapolis for $200,000. My wife would stay home with the children. No jobs in her field in the area. \n\nThe new job is with the only local employer that offers salary at this level. Based on quick research, we could afford a home on my salary alone.\n\nHonestly I\u2019m exhausted by the Bay Area rat race. I would love a sa", "sort": "top", "upvote_ratio": 0.89, "author": "cookielover9316"}

selftext:
We're renting in the Bay Area. Dual income with 2 kids in daycare. Combined income maxed out at $300,000. Homeownership is not realistically attainable.

I just receive an offer in Indianapolis for $200,000. My wife would stay home with the children. No jobs in her field in the area. 

The new job is with the only local employer that offers salary at this level. Based on quick research, we could afford a home on my salary alone.

Honestly I’m exhausted by the Bay Area rat race. I would love a sa


topic_name: Chevy Traverse 2026 New vs 2025 Used
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0nvmj/chevy_traverse_2026_new_vs_2025_used/
collected_at: 2026-02-12T00:04:50.635805+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0nvmj", "score": 0, "num_comments": 13, "created_utc": 1770688915.0, "selftext": "Looking at buying a Chevy Traverse Z71.\n\nI have 2 options:\n\n2026 with the super cruise, brand new. $52k OTD\n\n2025 no super cruise, 17,300 miles. $45k OTD\n\nBiggest thing I\u2019m tossed on is if it is truly a good deal on both, and am I better off with the new one, or saving the $7k and buying used?", "sort": "hot", "upvote_ratio": 0.5, "author": "Cryptomillions_"}

selftext:
Looking at buying a Chevy Traverse Z71.

I have 2 options:

2026 with the super cruise, brand new. $52k OTD

2025 no super cruise, 17,300 miles. $45k OTD

Biggest thing I’m tossed on is if it is truly a good deal on both, and am I better off with the new one, or saving the $7k and buying used?


topic_name: no insurance, dental advice
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1dih6/no_insurance_dental_advice/
collected_at: 2026-02-12T00:04:59.457574+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1dih6", "score": 3, "num_comments": 14, "created_utc": 1770758278.0, "selftext": "I have no insurance, I have very poor credit, we are on a strict budget. \n\nI have had dental problems develop over the last few years due to genetics and inability to get small things fixed. \n\nThe last time I went to a dentist, they said it would be about $12,000 to do all the work that I needed to have done and there was no way for me to come up with any of it so I kind of just set it aside. \n\nBecause of that, I\u2019ve had no work done and it has all gotten worse. \n\nI am really unsure of where to s", "sort": "hot", "upvote_ratio": 0.71, "author": "Glass-Operation-4380"}

selftext:
I have no insurance, I have very poor credit, we are on a strict budget. 

I have had dental problems develop over the last few years due to genetics and inability to get small things fixed. 

The last time I went to a dentist, they said it would be about $12,000 to do all the work that I needed to have done and there was no way for me to come up with any of it so I kind of just set it aside. 

Because of that, I’ve had no work done and it has all gotten worse. 

I am really unsure of where to s


topic_name: I'm tired of the "just live below your means" grindset mindset bro advice
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qfrsff/im_tired_of_the_just_live_below_your_means/
collected_at: 2026-02-12T00:05:03.489303+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qfrsff", "score": 817, "num_comments": 110, "created_utc": 1768691209.0, "selftext": "Is there a real point to be made about budgeting smarter, avoiding lifestyle creep, and spending intentionally? Absolutely.\n\nBut people act like that\u2019s the whole story, and it\u2019s not.\n\nWhen I was making good money, I saved aggressively. I built a solid emergency fund, maxed out my IRA, and invested regularly. Saving wasn\u2019t some heroic act of discipline, it was possible because the math worked.\n\nThen I lost that job and took a new one that pays less. Now saving is either impossible or painfully sl", "sort": "top", "upvote_ratio": 0.95, "author": "Strong_Letterhead638"}

selftext:
Is there a real point to be made about budgeting smarter, avoiding lifestyle creep, and spending intentionally? Absolutely.

But people act like that’s the whole story, and it’s not.

When I was making good money, I saved aggressively. I built a solid emergency fund, maxed out my IRA, and invested regularly. Saving wasn’t some heroic act of discipline, it was possible because the math worked.

Then I lost that job and took a new one that pays less. Now saving is either impossible or painfully sl


topic_name: Sophisticated scam attempt (canada).
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0mi2g/sophisticated_scam_attempt_canada/
collected_at: 2026-02-12T00:05:08.886780+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0mi2g", "score": 62, "num_comments": 39, "created_utc": 1770685263.0, "selftext": "Today, I got a call claiming to be from Tangerine Bank (Canada). They told me there was a transaction attempt in BC and someone had added a phone number to my account. I panicked\u2014did they really get into my bank? The guy said yes and added they\u2019d block my card, send a new one, and I\u2019d only be able to make in-person transactions. Then he asked if I\u2019d had issues with Netflix or email. That\u2019s when I realized they likely caused those attempts to sound credible. He had my address, phone number, date ", "sort": "hot", "upvote_ratio": 0.84, "author": "Wrong-Trifle6419"}

selftext:
Today, I got a call claiming to be from Tangerine Bank (Canada). They told me there was a transaction attempt in BC and someone had added a phone number to my account. I panicked—did they really get into my bank? The guy said yes and added they’d block my card, send a new one, and I’d only be able to make in-person transactions. Then he asked if I’d had issues with Netflix or email. That’s when I realized they likely caused those attempts to sound credible. He had my address, phone number, date 


topic_name: Workplace scam call claiming to be from Fire Dept
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qshq5v/workplace_scam_call_claiming_to_be_from_fire_dept/
collected_at: 2026-02-12T00:05:12.358952+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qshq5v", "score": 89, "num_comments": 25, "created_utc": 1769901876.0, "selftext": "Received a scam call the other day at work. First red flag was the caller id showed a strange international number. Caller states he is calling from the Fire Dept and they need to come out and check our fire extinguishers and smoke detectors. (Funny thing is we are located literally across the street from the Fire Dept) Ok sure fine. He ask for the managers name, which I did provide. Then he goes on and says there is a FedEx delivery arriving and I need to write down the tracking number. I asked", "sort": "top", "upvote_ratio": 0.93, "author": "Silver_Metal_5561"}

selftext:
Received a scam call the other day at work. First red flag was the caller id showed a strange international number. Caller states he is calling from the Fire Dept and they need to come out and check our fire extinguishers and smoke detectors. (Funny thing is we are located literally across the street from the Fire Dept) Ok sure fine. He ask for the managers name, which I did provide. Then he goes on and says there is a FedEx delivery arriving and I need to write down the tracking number. I asked


topic_name: Pretending to be the tax office as a header
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pgzyf7/pretending_to_be_the_tax_office_as_a_header/
collected_at: 2026-02-12T00:05:17.889848+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1pgzyf7", "score": 354, "num_comments": 7, "created_utc": 1765158450.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.96, "author": "ArenNerdy"}


topic_name: Does working at an MLM hurt future job opportunities in sales?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxl4fl/does_working_at_an_mlm_hurt_future_job/
collected_at: 2026-02-12T00:05:26.020570+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxl4fl", "score": 0, "num_comments": 19, "created_utc": 1770392760.0, "selftext": "Someone close to me fell for an MLM trap and her experience there aligns with the sus parts like selling at&amp;t and costco and bjs. She is very smart and capable went to a good school, but has been getting rejected and I have a feeling that mentioning at&amp;t on her resume might be why.\n\n  \nEDIT: Apologies for the confusion, I had to rush when I posted this \n\nClarification - \n\nShe didn\u2019t work for AT&amp;T directly. She worked for a third party sales company under Smart Circle that sells AT&am", "sort": "hot", "upvote_ratio": 0.2, "author": "personluse"}

selftext:
Someone close to me fell for an MLM trap and her experience there aligns with the sus parts like selling at&amp;t and costco and bjs. She is very smart and capable went to a good school, but has been getting rejected and I have a feeling that mentioning at&amp;t on her resume might be why.

  
EDIT: Apologies for the confusion, I had to rush when I posted this 

Clarification - 

She didn’t work for AT&amp;T directly. She worked for a third party sales company under Smart Circle that sells AT&am


topic_name: Almost recruited by Amway
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qpua7c/almost_recruited_by_amway/
collected_at: 2026-02-12T00:05:30.135174+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qpua7c", "score": 126, "num_comments": 37, "created_utc": 1769649300.0, "selftext": "Met this woman in Target late last year. I\u2019m gonna call her S. I said I liked her hair and she was quick to exchange numbers. Shortly after, she\u2019s texting me, asking if I would like to go out for coffee. Plans fell through and I don\u2019t talk to her for a month and change. One day she random texts me asking if I want to have coffee again. I say yes, we meet for coffee, she mentions her and her husband\u2018s business. Her husband\u2019s name is J.\n\nThe word mentorship is thrown around a lot. Husband and I ar", "sort": "top", "upvote_ratio": 0.98, "author": "Ok_Side_9156"}

selftext:
Met this woman in Target late last year. I’m gonna call her S. I said I liked her hair and she was quick to exchange numbers. Shortly after, she’s texting me, asking if I would like to go out for coffee. Plans fell through and I don’t talk to her for a month and change. One day she random texts me asking if I want to have coffee again. I say yes, we meet for coffee, she mentions her and her husband‘s business. Her husband’s name is J.

The word mentorship is thrown around a lot. Husband and I ar


topic_name: What makes you switch your car insurance provider?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1ss6z/what_makes_you_switch_your_car_insurance_provider/
collected_at: 2026-02-12T00:05:44.256734+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1ss6z", "score": 0, "num_comments": 3, "created_utc": 1770801805.0, "selftext": "Is it pricing? Claims experience? Customer service?\n\nOr do most people just stay with the same insurer out of convenience?", "sort": "hot", "upvote_ratio": 0.25, "author": "Artistic_Pangolin456"}

selftext:
Is it pricing? Claims experience? Customer service?

Or do most people just stay with the same insurer out of convenience?


topic_name: AllState is saying I owe for an auto policy that was supposed to be cancelled.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qjf2ur/allstate_is_saying_i_owe_for_an_auto_policy_that/
collected_at: 2026-02-12T00:05:47.658439+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qjf2ur", "score": 11, "num_comments": 45, "created_utc": 1769040753.0, "selftext": "To start, I am a relatively new driver (1.5 years) and not experienced dealing with insurance.\n\nRecently I received a text for a collections agency saying I owe allstate \\~$1300. I called agency and allstate to confirm why I have this balance.\n\nAllstate say they covered me from may to nov. During may to nov, I was covered by a different local auto insurance. When I was purchasing the new policy, my insurance agent said they will reach out to allstate and cancel my policy (in may).\n\nI have gone b", "sort": "top", "upvote_ratio": 0.93, "author": "Syreb"}

selftext:
To start, I am a relatively new driver (1.5 years) and not experienced dealing with insurance.

Recently I received a text for a collections agency saying I owe allstate \~$1300. I called agency and allstate to confirm why I have this balance.

Allstate say they covered me from may to nov. During may to nov, I was covered by a different local auto insurance. When I was purchasing the new policy, my insurance agent said they will reach out to allstate and cancel my policy (in may).

I have gone b


topic_name: Adobe pulls this "error" whenever you want to cancel your subscription.
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1nq4jli/adobe_pulls_this_error_whenever_you_want_to/
collected_at: 2026-02-12T00:05:53.366400+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1nq4jli", "score": 72, "num_comments": 2, "created_utc": 1758800760.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "AdorableParsley4257"}


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxn6az/what_are_ways_that_you_make_household_items_last/
collected_at: 2026-02-12T00:06:01.657004+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
What are ways that you make household items last longer like shampoo, lotion, toilet paper,makeup or hair styling items?

metadata:
{"subreddit": "Frugal", "post_id": "1qxn6az", "score": 50, "num_comments": 114, "created_utc": 1770397212.0, "selftext": "As common household items are going up in cost, I am trying to think of innovative ways to make them last longer to reduce costs. I make alot of my household cleaners with vinegar,peroxide, rubbing alcohol and dawn. They work, are easy on the environment and non toxic. Also, I cut open plastic bottles to get all of toiletries and use mini spatulas. \n\nI only wash my hair twice a week as it is long,dry and curly. In addition, I wet my hair, then use some apple cider vinegar on my hair to get rid o", "sort": "hot", "upvote_ratio": 0.78, "author": "melissaw328"}

selftext:
As common household items are going up in cost, I am trying to think of innovative ways to make them last longer to reduce costs. I make alot of my household cleaners with vinegar,peroxide, rubbing alcohol and dawn. They work, are easy on the environment and non toxic. Also, I cut open plastic bottles to get all of toiletries and use mini spatulas. 

I only wash my hair twice a week as it is long,dry and curly. In addition, I wet my hair, then use some apple cider vinegar on my hair to get rid o


topic_name: Families with kids, how much are you spending on groceries?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qj3uod/families_with_kids_how_much_are_you_spending_on/
collected_at: 2026-02-12T00:06:05.044581+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qj3uod", "score": 294, "num_comments": 398, "created_utc": 1769015693.0, "selftext": "We're a family of 4, two toddlers. Last year, we seemed to average around $600-$700 a month on groceries which seems insane to me! \n\nI just want to know if this is normal for a small family like ours. Where are you all shopping from.\n\nWe don't eat/order out often and tend to eat the same things on rotation every week.\n\nWe mainly get our groceries from Aldi, Walmart and Costco. \n\n* ok after reading what you all are spending, it sounds like we're on the lower end of the spectrum which is wild! Shi", "sort": "top", "upvote_ratio": 0.94, "author": "folklore24"}

selftext:
We're a family of 4, two toddlers. Last year, we seemed to average around $600-$700 a month on groceries which seems insane to me! 

I just want to know if this is normal for a small family like ours. Where are you all shopping from.

We don't eat/order out often and tend to eat the same things on rotation every week.

We mainly get our groceries from Aldi, Walmart and Costco. 

* ok after reading what you all are spending, it sounds like we're on the lower end of the spectrum which is wild! Shi


topic_name: Suggestions/Recommendations to Build Credit Card Portfolio
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r21k0v/suggestionsrecommendations_to_build_credit_card/
collected_at: 2026-02-12T00:06:10.587964+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r21k0v", "score": 1, "num_comments": 5, "created_utc": 1770826379.0, "selftext": "I\u2019m hoping to get some further advice for my partner\u2019s credit situation and where to go next. After doing some investigation and an earlier post here I\u2019m second guessing on how best to proceed.\u00a0 The main goal is trying to get her larger credit limits on her own while avoiding denials/setbacks so she can be seen as creditworthy for a higher tier or more valuable rewards card.\u00a0 Credit as of now as reported on Experian is 805 (although maybe this boost from previously mid 700s last month was becaus", "sort": "hot", "upvote_ratio": 0.67, "author": "DashEndar"}

selftext:
I’m hoping to get some further advice for my partner’s credit situation and where to go next. After doing some investigation and an earlier post here I’m second guessing on how best to proceed.  The main goal is trying to get her larger credit limits on her own while avoiding denials/setbacks so she can be seen as creditworthy for a higher tier or more valuable rewards card.  Credit as of now as reported on Experian is 805 (although maybe this boost from previously mid 700s last month was becaus


topic_name: At what point do travel miles stop beating 2% cash back for catch all spend?
source: reddit
region: global
collected_at: 2026-02-12T00:06:13.782159+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1qx2z4x/at_what_point_do_travel_miles_stop_beating_2_cash/

metadata:
{"subreddit": "CreditCards", "post_id": "1qx2z4x", "score": 88, "num_comments": 105, "created_utc": 1770338473.0, "selftext": "I\u2019m currently using the Venture X as my catch all card for the 2x miles, but I have been questioning how long it actually makes sense to hoard miles versus taking guaranteed cash back.\n\nI also have a Fidelity Signature Visa and the Apple Card, both of which give me a flat 2% cash back. With those, I can immediately invest the cash back, use it to pay bills, or save it, all of which provide real liquidity and potential growth. Miles, on the other hand, do not grow and are always subject to devalu", "sort": "top", "upvote_ratio": 0.96, "author": "iam_spr"}

selftext:
I’m currently using the Venture X as my catch all card for the 2x miles, but I have been questioning how long it actually makes sense to hoard miles versus taking guaranteed cash back.

I also have a Fidelity Signature Visa and the Apple Card, both of which give me a flat 2% cash back. With those, I can immediately invest the cash back, use it to pay bills, or save it, all of which provide real liquidity and potential growth. Miles, on the other hand, do not grow and are always subject to devalu


topic_name: I need advice on a co-founder's employment IP clause.
source: reddit
region: global
collected_at: 2026-02-12T00:06:18.920942+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1r25lw3/i_need_advice_on_a_cofounders_employment_ip_clause/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r25lw3", "score": 2, "num_comments": 0, "created_utc": 1770835084.0, "selftext": "Location: MI\n\nHi, I have a potential co-founder for a company I just started (I have the idea, trademark application, and other things developed before ever talking to them/meeting them). Because we're bootstrapping, they'd have to keep their current full-time job while building the tech stack outside of work hours (for equity/co-ownership of the startup). However, their current employer's noncompete contract includes the following clause in it:\n\n\u201cEmployee shall promptly disclose to the Company ", "sort": "hot", "upvote_ratio": 1.0, "author": "urkelhamburglar"}

selftext:
Location: MI

Hi, I have a potential co-founder for a company I just started (I have the idea, trademark application, and other things developed before ever talking to them/meeting them). Because we're bootstrapping, they'd have to keep their current full-time job while building the tech stack outside of work hours (for equity/co-ownership of the startup). However, their current employer's noncompete contract includes the following clause in it:

“Employee shall promptly disclose to the Company 


topic_name: FBI agent wants to talk to me
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qq25gm/fbi_agent_wants_to_talk_to_me/
collected_at: 2026-02-12T00:06:22.356608+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qq25gm", "score": 753, "num_comments": 91, "created_utc": 1769672074.0, "selftext": "Yesterday I missed a phone call, thought it might be work related and they would leave a voicemail, there wasn\u2019t one left. Today the same number called while I was at work (my personal number does get given out at work) &amp; I answered and it was an fbi agent looking to speak with me. said it \u201cwasn\u2019t pressing\u201d but he would really like to talk with me. I told him when I could probably be available and he said we could meet at my house, the office, or the police station, mentioned a police office", "sort": "top", "upvote_ratio": 0.9, "author": "Creative_Fruit_5255"}

selftext:
Yesterday I missed a phone call, thought it might be work related and they would leave a voicemail, there wasn’t one left. Today the same number called while I was at work (my personal number does get given out at work) &amp; I answered and it was an fbi agent looking to speak with me. said it “wasn’t pressing” but he would really like to talk with me. I told him when I could probably be available and he said we could meet at my house, the office, or the police station, mentioned a police office


topic_name: LPT: You don’t owe anyone an immediate response even if you saw the message
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qskvse/lpt_you_dont_owe_anyone_an_immediate_response/
collected_at: 2026-02-12T00:06:28.286127+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qskvse", "score": 4620, "num_comments": 210, "created_utc": 1769909996.0, "selftext": "Constant availability trains people to expect instant replies. Responding on your schedule sets healthier boundaries.", "sort": "hot", "upvote_ratio": 0.95, "author": "cream_on_topp"}

selftext:
Constant availability trains people to expect instant replies. Responding on your schedule sets healthier boundaries.


topic_name: Anti-Thuma, rise up! Here’s another option.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r04ko9/antithuma_rise_up_heres_another_option/
collected_at: 2026-02-12T00:06:36.789749+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r04ko9", "score": 105, "num_comments": 57, "created_utc": 1770644694.0, "selftext": "Okaaaaaay hi. \n\nI commented on a post yesterday with someone inquiring about Thuma. I do spend a lot of time under my rock and responded with my anti-Thuma spiel, buuuuuut then I realized based on another comment, it\u2019s probably a bot. \n\nAnyway, Thuma blows, boooooooooo Thuma. Classic story of quality down, price up.\n\nI have bought two bedframes (the Kumi bed) from a small business on Etsy out of Lancaster, PA (linked below). I know bedframes from Etsy sounds strange, but this business is legit. ", "sort": "hot", "upvote_ratio": 0.79, "author": "choc_chip_pothos"}

selftext:
Okaaaaaay hi. 

I commented on a post yesterday with someone inquiring about Thuma. I do spend a lot of time under my rock and responded with my anti-Thuma spiel, buuuuuut then I realized based on another comment, it’s probably a bot. 

Anyway, Thuma blows, boooooooooo Thuma. Classic story of quality down, price up.

I have bought two bedframes (the Kumi bed) from a small business on Etsy out of Lancaster, PA (linked below). I know bedframes from Etsy sounds strange, but this business is legit. 


topic_name: Kent combs - saw cut, hand polished, cellulose acetate combs
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qcv0w3/kent_combs_saw_cut_hand_polished_cellulose/
collected_at: 2026-02-12T00:06:40.492361+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qcv0w3", "score": 517, "num_comments": 133, "created_utc": 1768415052.0, "selftext": "", "sort": "top", "upvote_ratio": 0.95, "author": "Vlad2or"}


topic_name: 3 million nw + exploring a sabbatical
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qn5rmr/3_million_nw_exploring_a_sabbatical/
collected_at: 2026-02-12T00:06:47.000109+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qn5rmr", "score": 91, "num_comments": 43, "created_utc": 1769400875.0, "selftext": "This community has been so helpful to me. I haven\u2019t posted here in 2+ years, but seek advice on a taking a sabbatical year in 2027.\n\nBetween the soaring markets and value of my 5 rental houses, our net worth crossed 3 million this month for the first time. I can\u2019t believe I\u2019m writing that. We just work in primary schools and non-profit orgs. I\u2019m mid-40s (90k salary), as is my wife (35k PT salary), and have two fun elementary school kids who just got into a top tuition-free magnet school. What a ", "sort": "hot", "upvote_ratio": 0.7, "author": "Historical-Act8199"}

selftext:
This community has been so helpful to me. I haven’t posted here in 2+ years, but seek advice on a taking a sabbatical year in 2027.

Between the soaring markets and value of my 5 rental houses, our net worth crossed 3 million this month for the first time. I can’t believe I’m writing that. We just work in primary schools and non-profit orgs. I’m mid-40s (90k salary), as is my wife (35k PT salary), and have two fun elementary school kids who just got into a top tuition-free magnet school. What a 


topic_name: Pink Eye Explained… WAY Too Honestly 😂 | Knocked Up (2007)
source: youtube
region: US
url: https://youtube.com/watch?v=ib1G2k9QcI8
collected_at: 2026-02-12T00:04:30.534637
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "ib1G2k9QcI8", "channel": "May Langworth", "category": "Entertainment", "category_id": 24, "views": "4800722", "view_count": 4800722, "likes": "304692", "published_at": "2026-02-08T13:19:02Z"}


topic_name: Should I settle my debt or pay in full?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r27nze/should_i_settle_my_debt_or_pay_in_full/
collected_at: 2026-02-12T00:04:41.814988+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r27nze", "score": 1, "num_comments": 5, "created_utc": 1770839573.0, "selftext": "I tanked my credit when I was younger and I\u2019m trying to rebuild it. A majority of my debt is from a $5,500 credit card that is in collections. I have another account with the same creditor that is in good standing and I have 3 small credit cards in good standing as well. I currently have a 640 FICO 8 score. The creditor is offering to settle for 20%. ", "sort": "hot", "upvote_ratio": 1.0, "author": "SubjectTwo5864"}

selftext:
I tanked my credit when I was younger and I’m trying to rebuild it. A majority of my debt is from a $5,500 credit card that is in collections. I have another account with the same creditor that is in good standing and I have 3 small credit cards in good standing as well. I currently have a 640 FICO 8 score. The creditor is offering to settle for 20%. 


topic_name: When do you decide to get a new car rather than continuing to do repairs?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418269+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1quridz/when_do_you_decide_to_get_a_new_car_rather_than/

metadata:
{"subreddit": "personalfinance", "post_id": "1quridz", "score": 286, "num_comments": 464, "created_utc": 1770124212.0, "selftext": "I am driving an '09 Chevy sedan with 170k+ miles on it, and part of me wants to drive that car until the wheels come off because I tend to think that no matter how much I pay for repairs the cost of those repairs will still be less than the cost of a new vehicle. It's just that lately over the past year I feel like I've been putting a lot of money into repairs and I am beginning to wonder whether I may just be better off getting a new car, though at this point I'd still much rather devote my sav", "sort": "top", "upvote_ratio": 0.92, "author": "Major-Brick-3789"}

selftext:
I am driving an '09 Chevy sedan with 170k+ miles on it, and part of me wants to drive that car until the wheels come off because I tend to think that no matter how much I pay for repairs the cost of those repairs will still be less than the cost of a new vehicle. It's just that lately over the past year I feel like I've been putting a lot of money into repairs and I am beginning to wonder whether I may just be better off getting a new car, though at this point I'd still much rather devote my sav


topic_name: Best Value DMS
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0czss/best_value_dms/
collected_at: 2026-02-12T00:04:50.635809+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0czss", "score": 3, "num_comments": 2, "created_utc": 1770663472.0, "selftext": "As the title suggests, I\u2019m looking to find a dealer management system that has basic features such as generating sales forms, tracking recon costs, tracking overall company expenses, and BHPH software. I looked into a few, and Frazer caught my attention with their pricing. Just wondering what else is out there and what others have had decent success using. Thanks", "sort": "hot", "upvote_ratio": 1.0, "author": "Automatic_Error_4497"}

selftext:
As the title suggests, I’m looking to find a dealer management system that has basic features such as generating sales forms, tracking recon costs, tracking overall company expenses, and BHPH software. I looked into a few, and Frazer caught my attention with their pricing. Just wondering what else is out there and what others have had decent success using. Thanks


topic_name: Do you feel sad when you sell less than other sales?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qqm4d5/do_you_feel_sad_when_you_sell_less_than_other/
collected_at: 2026-02-12T00:04:53.860387+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qqm4d5", "score": 16, "num_comments": 20, "created_utc": 1769723158.0, "selftext": "Hi guys,\n\ni just join the industry at April 2025. Was in another dealership before, always sell 15-20 cars a month. And always sell basically the most or second.\n\nAnd i resigned to a dealership closer to my home but different brand, in mid December. last month sold 4, and this month so far sold 4 as well. I know it's a quiet month but the other two sales one sold 10 one is 11. It makes me feel so bad. Feels like my manager will disappointed to hire me.\n\nDo you guys feel the same when not sell mu", "sort": "top", "upvote_ratio": 0.9, "author": "FunGovernment3943"}

selftext:
Hi guys,

i just join the industry at April 2025. Was in another dealership before, always sell 15-20 cars a month. And always sell basically the most or second.

And i resigned to a dealership closer to my home but different brand, in mid December. last month sold 4, and this month so far sold 4 as well. I know it's a quiet month but the other two sales one sold 10 one is 11. It makes me feel so bad. Feels like my manager will disappointed to hire me.

Do you guys feel the same when not sell mu


source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0vaul/best_instant_shortterm_loans_for_bad_credit/
collected_at: 2026-02-12T00:04:59.457579+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
Best instant short-term loans for bad credit online to get $1000 to $5000 – ONLY legit NO scammy payday cash lenders, please

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0vaul", "score": 96, "num_comments": 29, "created_utc": 1770711971.0, "selftext": "I\u2019m in a bad spot and need short term loans in the $1000\u2013$5000 range. My credit isn\u2019t great, so I\u2019ve been looking into bad credit loans and a few instant approval loans online.  \n  \nThe problem is a lot of these instant approval loans just push payday loans with crazy interest, which I\u2019m trying to avoid. If anyone\u2019s had a good experience with legit bad credit loans or short term loans, let me know what worked (and what to stay away from). It's urgent. Thanks", "sort": "hot", "upvote_ratio": 0.67, "author": "Sensitive-Rise5064"}

selftext:
I’m in a bad spot and need short term loans in the $1000–$5000 range. My credit isn’t great, so I’ve been looking into bad credit loans and a few instant approval loans online.  
  
The problem is a lot of these instant approval loans just push payday loans with crazy interest, which I’m trying to avoid. If anyone’s had a good experience with legit bad credit loans or short term loans, let me know what worked (and what to stay away from). It's urgent. Thanks


topic_name: Amazon Fresh going out of business sale
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qs55x2/amazon_fresh_going_out_of_business_sale/
collected_at: 2026-02-12T00:05:03.489306+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qs55x2", "score": 737, "num_comments": 24, "created_utc": 1769873078.0, "selftext": "I got all of this for $78, marked down from $243. Went last night and got $243 for $100. Tomorrow is the last day they\u2019re open so everything is on a fire sale. ", "sort": "top", "upvote_ratio": 0.99, "author": "Razlaw"}

selftext:
I got all of this for $78, marked down from $243. Went last night and got $243 for $100. Tomorrow is the last day they’re open so everything is on a fire sale. 


topic_name: Need help with Ebay tracking scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0urqi/need_help_with_ebay_tracking_scam/
collected_at: 2026-02-12T00:05:08.886784+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0urqi", "score": 16, "num_comments": 18, "created_utc": 1770709944.0, "selftext": "I believe I fell for the tracking scam that I\u2019ve read about online. Tracking number says it was delivered but I never received the item. I contacted the seller about it and requested a refund. I\u2019ve opened the case for INR and now the seller is constantly asking me to close the case so they could issue the refund. I know I shouldn\u2019t close the case but now seller is saying he\u2019ll wait until the case processing deadline?\n\nI\u2019m new to buying from Ebay so I\u2019m not exactly sure on how I should approach t", "sort": "hot", "upvote_ratio": 0.85, "author": "AnotherAsiann12"}

selftext:
I believe I fell for the tracking scam that I’ve read about online. Tracking number says it was delivered but I never received the item. I contacted the seller about it and requested a refund. I’ve opened the case for INR and now the seller is constantly asking me to close the case so they could issue the refund. I know I shouldn’t close the case but now seller is saying he’ll wait until the case processing deadline?

I’m new to buying from Ebay so I’m not exactly sure on how I should approach t


topic_name: Uncle Scammed - $400K total
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qnz4u7/uncle_scammed_400k_total/
collected_at: 2026-02-12T00:05:12.358956+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qnz4u7", "score": 85, "num_comments": 60, "created_utc": 1769475783.0, "selftext": "So just learning the details. My elderly uncle fell for a crypto style scam. It's the usual variety of a lure of a friendship/romance scam followed up by a \"crypto investment\" one. I think they call it Pig Butchering according to the feds.\n\nHe's already reported it but I'm very bewildered by one supposed part of the scam where he sent $100K to pay \"taxes\" and release the million in his fake portfolio. He apprently sent a cashiers check to a specific name. I searched the address and name on Spoke", "sort": "top", "upvote_ratio": 0.93, "author": "throwbvibe"}

selftext:
So just learning the details. My elderly uncle fell for a crypto style scam. It's the usual variety of a lure of a friendship/romance scam followed up by a "crypto investment" one. I think they call it Pig Butchering according to the feds.

He's already reported it but I'm very bewildered by one supposed part of the scam where he sent $100K to pay "taxes" and release the million in his fake portfolio. He apprently sent a cashiers check to a specific name. I searched the address and name on Spoke


topic_name: Reddit allows promoting literal scams
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pep2ye/reddit_allows_promoting_literal_scams/
collected_at: 2026-02-12T00:05:17.889852+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1pep2ye", "score": 10654, "num_comments": 211, "created_utc": 1764920300.0, "selftext": "I've seen these posts for several months now, and it seems that they're not being removed even after multiple reports. The scam is about Elon Musk's new cryptocurrency AI or algorithm depending on the post.", "sort": "hot", "upvote_ratio": 0.96, "author": "OhShitItsShorty"}

selftext:
I've seen these posts for several months now, and it seems that they're not being removed even after multiple reports. The scam is about Elon Musk's new cryptocurrency AI or algorithm depending on the post.


topic_name: D Magazine Discusses the Mary Kay Lawsuits
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qwme0q/d_magazine_discusses_the_mary_kay_lawsuits/
collected_at: 2026-02-12T00:05:26.020574+00:00
autocomplete: []
selftext: Hasn’t paid dividends to the family since 2022.
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qwme0q", "score": 19, "num_comments": 4, "created_utc": 1770300882.0, "selftext": "Hasn\u2019t paid dividends to the family since 2022. ", "sort": "hot", "upvote_ratio": 1.0, "author": "septembertoremember"}


topic_name: Policy cancellation
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1jm0j/policy_cancellation/
collected_at: 2026-02-12T00:05:44.256738+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1jm0j", "score": 2, "num_comments": 5, "created_utc": 1770773051.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "THExUltraSaiyan"}


topic_name: [Survey] Law and Ethics – Dark Patterns - A Short Survey
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366404+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1nq6u58/survey_law_and_ethics_dark_patterns_a_short_survey/

metadata:
{"subreddit": "darkpatterns", "post_id": "1nq6u58", "score": 6, "num_comments": 0, "created_utc": 1758807046.0, "selftext": "Hello there!  \nI am currently conducting a survey regarding Dark Patterns for a school project. If you are willing and don't mind, please fill it out.  \nIt doesn't matter where you live, since this isn't a right or wrong survey, but rather a survey to see what people think\n\n  \nMany thanks!\n\n[https://docs.google.com/forms/d/e/1FAIpQLSeDXIGRXybDRwHNP7oL4jqpZqx8aJ1yHh9\\_\\_hUN8KVLZ06N3Q/viewform?usp=dialog](https://docs.google.com/forms/d/e/1FAIpQLSeDXIGRXybDRwHNP7oL4jqpZqx8aJ1yHh9__hUN8KVLZ06N3Q/vi", "sort": "hot", "upvote_ratio": 1.0, "author": "LixxArt"}

selftext:
Hello there!  
I am currently conducting a survey regarding Dark Patterns for a school project. If you are willing and don't mind, please fill it out.  
It doesn't matter where you live, since this isn't a right or wrong survey, but rather a survey to see what people think

  
Many thanks!

[https://docs.google.com/forms/d/e/1FAIpQLSeDXIGRXybDRwHNP7oL4jqpZqx8aJ1yHh9\_\_hUN8KVLZ06N3Q/viewform?usp=dialog](https://docs.google.com/forms/d/e/1FAIpQLSeDXIGRXybDRwHNP7oL4jqpZqx8aJ1yHh9__hUN8KVLZ06N3Q/vi


topic_name: FB Marketplace users, have any of you deleted FB an found an alternative?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxbm9x/fb_marketplace_users_have_any_of_you_deleted_fb/
collected_at: 2026-02-12T00:06:01.657008+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qxbm9x", "score": 196, "num_comments": 54, "created_utc": 1770364459.0, "selftext": "Have been on and off apps for quite a while. But Facebook marketplace keeps me coming back. I\u2019ve gotten my entire living room and lounge furniture from there. Awesome things for a fraction of the cost. I\u2019m quite torn between cutting off the online nonsense and the utility of FB marketplace. Has anyone who has used it been able to find a similar replacement or what did you do? ", "sort": "hot", "upvote_ratio": 0.92, "author": "InfamousInevitable93"}

selftext:
Have been on and off apps for quite a while. But Facebook marketplace keeps me coming back. I’ve gotten my entire living room and lounge furniture from there. Awesome things for a fraction of the cost. I’m quite torn between cutting off the online nonsense and the utility of FB marketplace. Has anyone who has used it been able to find a similar replacement or what did you do? 


topic_name: Is a 22 hour layover reasonable to save money?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qo8n1j/is_a_22_hour_layover_reasonable_to_save_money/
collected_at: 2026-02-12T00:06:05.044585+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qo8n1j", "score": 297, "num_comments": 214, "created_utc": 1769504018.0, "selftext": "Hello\n\nDoes a 22 hour layover sound reasonable if it means I can save $1000? Is it acceptable to roam around an airport that long in Denmark?? I\u2019m hoping to get a flight to an international airport in Copenhagen, have a layover of 22 hours, then fly to Greece. I just don\u2019t want to pay way more money than I have to just for the convenience of it all.  Should I just go ahead and pay for a nonstop flight?", "sort": "top", "upvote_ratio": 0.87, "author": "False-Chance-1678"}

selftext:
Hello

Does a 22 hour layover sound reasonable if it means I can save $1000? Is it acceptable to roam around an airport that long in Denmark?? I’m hoping to get a flight to an international airport in Copenhagen, have a layover of 22 hours, then fly to Greece. I just don’t want to pay way more money than I have to just for the convenience of it all.  Should I just go ahead and pay for a nonstop flight?


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1vyns/can_i_do_a_zero_balance_transfer_to_an/
collected_at: 2026-02-12T00:06:10.587967+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
Can I do a zero balance transfer to an institution I already have a relationship with but for a new card?

metadata:
{"subreddit": "CreditCards", "post_id": "1r1vyns", "score": 2, "num_comments": 4, "created_utc": 1770812615.0, "selftext": "I was going to open a new card with an institution I already have a relationship with but transfer a balance from a different institution, will this qualify?\n\nHow can I verify if so? Thanks!", "sort": "hot", "upvote_ratio": 0.75, "author": "ARoodyPooCandyAss"}

selftext:
I was going to open a new card with an institution I already have a relationship with but transfer a balance from a different institution, will this qualify?

How can I verify if so? Thanks!


topic_name: Hard Credit Pull for Bilt's New Cards starting from today
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qu4nyk/hard_credit_pull_for_bilts_new_cards_starting/
collected_at: 2026-02-12T00:06:13.782162+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qu4nyk", "score": 88, "num_comments": 33, "created_utc": 1770059905.0, "selftext": "You may see on the app that they \"extended\" the deadline to switch to the new card. This is a warning that if you apply for a new card there is a Hard Credit pull now since their terms states \"If you pre-order a new Bilt Card by February 1, 2026 you will transition without a hard inquiry on your credit card report.\n\nThe deadline for that condition does not get extended. So something to consider to others and not run into this issue like I did. ", "sort": "top", "upvote_ratio": 0.93, "author": "Estrava"}

selftext:
You may see on the app that they "extended" the deadline to switch to the new card. This is a warning that if you apply for a new card there is a Hard Credit pull now since their terms states "If you pre-order a new Bilt Card by February 1, 2026 you will transition without a hard inquiry on your credit card report.

The deadline for that condition does not get extended. So something to consider to others and not run into this issue like I did. 


topic_name: Is my case worth pushing? Fraudulent / negligent misrepresentation
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2bkuh/is_my_case_worth_pushing_fraudulent_negligent/
collected_at: 2026-02-12T00:06:18.920947+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2bkuh", "score": 1, "num_comments": 0, "created_utc": 1770848419.0, "selftext": "Location: Denver metro, Colorado\n\nTL;DR: I have evidence I was deceived into signing a lease due to my leasing staff lying about infestations. This has severely affected my life and I want to hold the management company accountable. I have evidence that the leasing staff knowingly  made false promises, as well as evidence of infestations being present way before my move in (2 weeks ago). I want to be reimbursed for damages, and the general toll this has taken on my life.\n\nMoved into an apartment", "sort": "hot", "upvote_ratio": 1.0, "author": "Ok_Tour_5503"}

selftext:
Location: Denver metro, Colorado

TL;DR: I have evidence I was deceived into signing a lease due to my leasing staff lying about infestations. This has severely affected my life and I want to hold the management company accountable. I have evidence that the leasing staff knowingly  made false promises, as well as evidence of infestations being present way before my move in (2 weeks ago). I want to be reimbursed for damages, and the general toll this has taken on my life.

Moved into an apartment


topic_name: Ex-wife is having a baby. Will it affect my current child agreement?
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356620+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qhffgi/exwife_is_having_a_baby_will_it_affect_my_current/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qhffgi", "score": 735, "num_comments": 77, "created_utc": 1768853898.0, "selftext": "Location: Ohio \n\nI\u2019ve been divorced from my ex-wife for a few years now. It was a clean split with no drama. We had kids together and have a child agreement drawn up by lawyers and put in place before we divorced. Right now there\u2019s no child payments of any kind and time is split 50/50. It\u2019s worked out very well and our kids are happy. Under it she has power over school and medical. \n\nShe told me today her and her new husband are pregnant. I\u2019m happy for them but she told me she wants to talk abou", "sort": "top", "upvote_ratio": 0.91, "author": "ddgoodman92"}

selftext:
Location: Ohio 

I’ve been divorced from my ex-wife for a few years now. It was a clean split with no drama. We had kids together and have a child agreement drawn up by lawyers and put in place before we divorced. Right now there’s no child payments of any kind and time is split 50/50. It’s worked out very well and our kids are happy. Under it she has power over school and medical. 

She told me today her and her new husband are pregnant. I’m happy for them but she told me she wants to talk abou


topic_name: LPT: When home feels tense, say one simple thing you need right now.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qs9s6h/lpt_when_home_feels_tense_say_one_simple_thing/
collected_at: 2026-02-12T00:06:28.286131+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qs9s6h", "score": 4365, "num_comments": 113, "created_utc": 1769883431.0, "selftext": "When the vibe is off at home, I stop hinting and say one simple need in one sentence. No long talk. No blame. Just what I need right now.\n\nExamples I use:\n\nGive me ten minutes, then I can talk.\n\nCan we do a five minute reset in the kitchen together.\n\nPlease lower the volume for a bit, I am overstimulated.\n\nI need a quick hug then I am good.\n\nCan we take a quick walk and reset.\n\nA clear ask prevents mind reading and stops small tension from turning into a bigger fight.\n\nThank you.", "sort": "hot", "upvote_ratio": 0.95, "author": "gamersecret2"}

selftext:
When the vibe is off at home, I stop hinting and say one simple need in one sentence. No long talk. No blame. Just what I need right now.

Examples I use:

Give me ten minutes, then I can talk.

Can we do a five minute reset in the kitchen together.

Please lower the volume for a bit, I am overstimulated.

I need a quick hug then I am good.

Can we take a quick walk and reset.

A clear ask prevents mind reading and stops small tension from turning into a bigger fight.

Thank you.


topic_name: Colorful work tote/backpack?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0onfr/colorful_work_totebackpack/
collected_at: 2026-02-12T00:06:36.789752+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0onfr", "score": 6, "num_comments": 10, "created_utc": 1770690933.0, "selftext": "I\u2019ve seen lots of recs for work totes and backpacks, but they all tend to skew more neutral. I want something with some COLOR. I like fun, bright colors, to add some fun to my otherwise boring workplace. \n\nI have a CALPAK backpack right now, but it\u2019s so stiff and starting to fall apart, so would love some recs. Could be a tote (as long as it has good straps/room for laptop) or a backpack. ", "sort": "hot", "upvote_ratio": 0.8, "author": "leftistinlnk"}

selftext:
I’ve seen lots of recs for work totes and backpacks, but they all tend to skew more neutral. I want something with some COLOR. I like fun, bright colors, to add some fun to my otherwise boring workplace. 

I have a CALPAK backpack right now, but it’s so stiff and starting to fall apart, so would love some recs. Could be a tote (as long as it has good straps/room for laptop) or a backpack. 


topic_name: For those who get snow
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qtfuam/for_those_who_get_snow/
collected_at: 2026-02-12T00:06:40.492365+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qtfuam", "score": 503, "num_comments": 61, "created_utc": 1769992020.0, "selftext": "Flexible Flyer. First one is about 80 years old?  Other one was a gift from my (54m) daughter (19) and I\u2019ve only gotten to use it now three times due to lack of snow in North Carolina. \n\nIt\u2019s fun telling kids how much safer face first is (steering makes sense with hands, but not feet). No better sled!!", "sort": "top", "upvote_ratio": 0.95, "author": "Wahoo412"}

selftext:
Flexible Flyer. First one is about 80 years old?  Other one was a gift from my (54m) daughter (19) and I’ve only gotten to use it now three times due to lack of snow in North Carolina. 

It’s fun telling kids how much safer face first is (steering makes sense with hands, but not feet). No better sled!!


topic_name: Where should ABLE accounts go in the flow chart?
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000113+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qmspnd/where_should_able_accounts_go_in_the_flow_chart/

metadata:
{"subreddit": "financialindependence", "post_id": "1qmspnd", "score": 21, "num_comments": 24, "created_utc": 1769369260.0, "selftext": "For 2026, those who are eligible can put in 20K.  Able accounts are a different bucket than IRA or 401k.  Like a Roth, contributions are after tax, and growth is untaxed.  You can take the money out at any time.  Contributions are not federally deductible, but are deductible in some states. The funds you can invest the money in are more limited with slightly higher expense ratios, but you can use the money for almost anything.\n\nSo where should the ABLE account be in the contribution order?", "sort": "hot", "upvote_ratio": 0.77, "author": "FIREful_symmetry"}

selftext:
For 2026, those who are eligible can put in 20K.  Able accounts are a different bucket than IRA or 401k.  Like a Roth, contributions are after tax, and growth is untaxed.  You can take the money out at any time.  Contributions are not federally deductible, but are deductible in some states. The funds you can invest the money in are more limited with slightly higher expense ratios, but you can use the money for almost anything.

So where should the ABLE account be in the contribution order?


topic_name: Superman catches his son & girlfriend together #shorts
source: youtube
region: US
url: https://youtube.com/watch?v=nFUvbFNsSOU
collected_at: 2026-02-12T00:04:30.534661
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "nFUvbFNsSOU", "channel": "SolarEdits", "category": "Entertainment", "category_id": 24, "views": "4789221", "view_count": 4789221, "likes": "390724", "published_at": "2026-02-08T13:01:29Z"}


topic_name: House vs Student loans?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r26yy9/house_vs_student_loans/
collected_at: 2026-02-12T00:04:41.814991+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r26yy9", "score": 1, "num_comments": 4, "created_utc": 1770838044.0, "selftext": "Hey all,\n\nI have \\~85k in student loans at 6% interest. (No other debts)\n\n34m, Based in California/bayarea married and have 1 kid under 1.\n\nI have \\~$125k liquid and 250k in retirement. We'd like to buy a house in a 2-3 years but weighing if I should just wipe out the student loans and push back the house plan to more like 5 years from now (HHI is \\~350k)\n\nAny thoughts appreciated!", "sort": "hot", "upvote_ratio": 1.0, "author": "Admirable_Cap_8943"}

selftext:
Hey all,

I have \~85k in student loans at 6% interest. (No other debts)

34m, Based in California/bayarea married and have 1 kid under 1.

I have \~$125k liquid and 250k in retirement. We'd like to buy a house in a 2-3 years but weighing if I should just wipe out the student loans and push back the house plan to more like 5 years from now (HHI is \~350k)

Any thoughts appreciated!


topic_name: HSA is more special than Trad IRA or Roth. I am using mine as retirement savings
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418273+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qsy0jh/hsa_is_more_special_than_trad_ira_or_roth_i_am/

metadata:
{"subreddit": "personalfinance", "post_id": "1qsy0jh", "score": 283, "num_comments": 241, "created_utc": 1769951275.0, "selftext": "I only fund my 401k the minimum amount needed to get the full company match, and then every other dollar goes to maxxing out my HSA (if I can afford it).\n\nUnlike the trad or roth, the HSA is both tax deductible going in and tax free coming out when used for qualified medical expense. Double tax free.\n\nThe catch is that my HSA allows investing into mutual funds. Some HSAs at banks only allow passbook savings. I have a goal of 50k in the HSA by the time I'm 65, and then pull the money out tax free", "sort": "top", "upvote_ratio": 0.78, "author": "Yamaben"}

selftext:
I only fund my 401k the minimum amount needed to get the full company match, and then every other dollar goes to maxxing out my HSA (if I can afford it).

Unlike the trad or roth, the HSA is both tax deductible going in and tax free coming out when used for qualified medical expense. Double tax free.

The catch is that my HSA allows investing into mutual funds. Some HSAs at banks only allow passbook savings. I have a goal of 50k in the HSA by the time I'm 65, and then pull the money out tax free


topic_name: Pay plan
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r091py/pay_plan/
collected_at: 2026-02-12T00:04:50.635812+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r091py", "score": 3, "num_comments": 9, "created_utc": 1770655087.0, "selftext": "Looking to get into car sales got offered a job from a family friend who makes great money, the dealer is 30 minutes from the metro area in my city and it a Chevy dealer this is the pay plan. \n\nDraws:\n\n\t\u2022\t$923 bi-weekly draw\n\nCommission:\n\n\t\u2022\t10% on new vehicles\n\n\t\u2022\t20% on used vehicles\n\n\t\u2022\t$150 mini deal\n\n\t\u2022\t$10 finance spiff\n\n\t\u2022\t$50 per tire/wheel package sold\n\n90-Day Rolling Bonus:\n\n\t\u2022\t10 units sold in a rolling 90-day period = $1,000 bonus\n\nStacking Unit Bonus Structure (per month):\n\n\t\u2022\t11\u201313", "sort": "hot", "upvote_ratio": 0.81, "author": "Odd-Goose-2281"}

selftext:
Looking to get into car sales got offered a job from a family friend who makes great money, the dealer is 30 minutes from the metro area in my city and it a Chevy dealer this is the pay plan. 

Draws:

	•	$923 bi-weekly draw

Commission:

	•	10% on new vehicles

	•	20% on used vehicles

	•	$150 mini deal

	•	$10 finance spiff

	•	$50 per tire/wheel package sold

90-Day Rolling Bonus:

	•	10 units sold in a rolling 90-day period = $1,000 bonus

Stacking Unit Bonus Structure (per month):

	•	11–13


topic_name: Car on the lot since 9/2023
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qurhyx/car_on_the_lot_since_92023/
collected_at: 2026-02-12T00:04:53.860391+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qurhyx", "score": 15, "num_comments": 16, "created_utc": 1770124181.0, "selftext": "Customer, not dealership. Just curious from a sales perspective do these people just love the car so much they aren't closing sales on it or what? 2.5 years (edit 3.5) on the lot seems unbelievable from a customer standpoint. **Its a used Pontiac Firebird nice car, good trim, decent miles, good condition, but it is overpriced.** Surely people have made offers so why wouldnt they be taking them? Thank you\n\nEDIT: Its been there since 2022 actually.", "sort": "top", "upvote_ratio": 0.83, "author": "Available-Page-2792"}

selftext:
Customer, not dealership. Just curious from a sales perspective do these people just love the car so much they aren't closing sales on it or what? 2.5 years (edit 3.5) on the lot seems unbelievable from a customer standpoint. **Its a used Pontiac Firebird nice car, good trim, decent miles, good condition, but it is overpriced.** Surely people have made offers so why wouldnt they be taking them? Thank you

EDIT: Its been there since 2022 actually.


topic_name: Been struggling for awhile now
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1a6ao/been_struggling_for_awhile_now/
collected_at: 2026-02-12T00:04:59.457584+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1a6ao", "score": 3, "num_comments": 6, "created_utc": 1770751035.0, "selftext": "Edit to add location! I am in Nebraska:) unfortunately this means I don\u2019t have a ton of local resources because i live in the middle of nowhere.. any advice is appreciated. I just feel like such a fucking failure.\n\nI am just struggling so hard and I don\u2019t know what to do anymore. When I was in college I absolutely needed medical care for something and had to max out my capital one cards which now is around $1,900 worth of debt I\u2019ve been trying to get paid off. They had absolutely no plans to hel", "sort": "hot", "upvote_ratio": 0.8, "author": "Even_Grocery1958"}

selftext:
Edit to add location! I am in Nebraska:) unfortunately this means I don’t have a ton of local resources because i live in the middle of nowhere.. any advice is appreciated. I just feel like such a fucking failure.

I am just struggling so hard and I don’t know what to do anymore. When I was in college I absolutely needed medical care for something and had to max out my capital one cards which now is around $1,900 worth of debt I’ve been trying to get paid off. They had absolutely no plans to hel


topic_name: Most People don’t understand what it’s like to be poor
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489310+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qetztn/most_people_dont_understand_what_its_like_to_be/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qetztn", "score": 733, "num_comments": 252, "created_utc": 1768601776.0, "selftext": "I really think that the majority of people at least in the United States, do not understand what it\u2019s like to be poor. Most people don\u2019t understand how draining it is mentally, or how much it beats you down. I get so tired of hearing responses like just get a job. I am working, but people don\u2019t understand how damn difficult it is to get a good job. Even getting a job at someplace like McDonald\u2019s is hard as hell now. +75% of jobs don\u2019t pay you enough to live. Most people don\u2019t seem to get that. \n", "sort": "top", "upvote_ratio": 0.91, "author": "TheGame81677"}

selftext:
I really think that the majority of people at least in the United States, do not understand what it’s like to be poor. Most people don’t understand how draining it is mentally, or how much it beats you down. I get so tired of hearing responses like just get a job. I am working, but people don’t understand how damn difficult it is to get a good job. Even getting a job at someplace like McDonald’s is hard as hell now. +75% of jobs don’t pay you enough to live. Most people don’t seem to get that. 


topic_name: [US] Staffing Agency Scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r15k0x/us_staffing_agency_scam/
collected_at: 2026-02-12T00:05:08.886788+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r15k0x", "score": 3, "num_comments": 21, "created_utc": 1770741174.0, "selftext": "I was contacted through LinkedIn by someone apparently working for Volt (part of Innova Solutions?) for a Morgan Stanley role. I sent them my resume and I joined a Teams call with 3 people from the staffing agency. They told me multiple times that it\u2019s a contractor position (6 months temporary, opportunity for permanent) and that I would be paid through them rather than Morgan Stanley. \n\nThe red flags I\u2019ve gotten: all 3 of their names had (unverified) on Teams, they asked for my birth month and ", "sort": "hot", "upvote_ratio": 1.0, "author": "ishrock90"}

selftext:
I was contacted through LinkedIn by someone apparently working for Volt (part of Innova Solutions?) for a Morgan Stanley role. I sent them my resume and I joined a Teams call with 3 people from the staffing agency. They told me multiple times that it’s a contractor position (6 months temporary, opportunity for permanent) and that I would be paid through them rather than Morgan Stanley. 

The red flags I’ve gotten: all 3 of their names had (unverified) on Teams, they asked for my birth month and 


topic_name: [US] I fell for an Instagram scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qfuo8w/us_i_fell_for_an_instagram_scam/
collected_at: 2026-02-12T00:05:12.358959+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qfuo8w", "score": 84, "num_comments": 20, "created_utc": 1768698738.0, "selftext": "As the title suggests, I fell for an Instagram scam. I'm a young adult but I'm pretty off-grid, so I rarely use Instagram unless it's to look at my friend's stories. I also have gullible and naive written on my forehead so I try really hard to look out for scams, but it definitely did not work this time. They basically impersonated my old friend using really Gen-Z lingo to help them get back into their main account, so I gave them my number but instead of asking for the link, they pivoted and as", "sort": "top", "upvote_ratio": 0.96, "author": "Weird_Scientist_9073"}

selftext:
As the title suggests, I fell for an Instagram scam. I'm a young adult but I'm pretty off-grid, so I rarely use Instagram unless it's to look at my friend's stories. I also have gullible and naive written on my forehead so I try really hard to look out for scams, but it definitely did not work this time. They basically impersonated my old friend using really Gen-Z lingo to help them get back into their main account, so I gave them my number but instead of asking for the link, they pivoted and as


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pe492e/site_advertises_lower_than_average_prices_on/
collected_at: 2026-02-12T00:05:17.889855+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Site advertises lower than average prices on contacts, only to then slap on a $175 "processing fee" at checkout which cancels out any potential cost-savings. Their reasoning: "Everyone else was doing it..."

metadata:
{"subreddit": "assholedesign", "post_id": "1pe492e", "score": 3076, "num_comments": 83, "created_utc": 1764865283.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "featherwolf"}


topic_name: Ok hun
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qw5lbl/ok_hun/
collected_at: 2026-02-12T00:05:26.020577+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qw5lbl", "score": 178, "num_comments": 32, "created_utc": 1770249925.0, "selftext": "This hun fully believes by using Monat products she\u2019ll achieve hair growth goal of past her \u201cboobies\u201d (her word not mine) by her wedding day in mid May. A good 25-30cm (roughly 10\u201d) growth in the next 3 months \ud83e\udd14 Time for a reality check hun.", "sort": "hot", "upvote_ratio": 0.98, "author": "kbin1970"}

selftext:
This hun fully believes by using Monat products she’ll achieve hair growth goal of past her “boobies” (her word not mine) by her wedding day in mid May. A good 25-30cm (roughly 10”) growth in the next 3 months 🤔 Time for a reality check hun.


topic_name: What in the AI slop is this nonsense?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qgbkfw/what_in_the_ai_slop_is_this_nonsense/
collected_at: 2026-02-12T00:05:30.135178+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qgbkfw", "score": 120, "num_comments": 32, "created_utc": 1768750390.0, "selftext": "", "sort": "top", "upvote_ratio": 0.98, "author": "Willing_Chemical1257"}


topic_name: Home insurance claim
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1ofaj/home_insurance_claim/
collected_at: 2026-02-12T00:05:44.256741+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1ofaj", "score": 1, "num_comments": 0, "created_utc": 1770786544.0, "selftext": "Question for home insurance claim. \n\nWe had a slab leak. Insurance ended up paying out 35k that includes replacement of the whole house flooring. Even the flooring that wasn\u2019t damaged. We found a very similar match to the existing flooring. The only damaged floor was in the bedrooms so the whole rest of the house in uniform. \n\nMortgage has the insurance check which was an ACV pay out with almost no depreciation held. Only $900.\n\nI don\u2019t plan on replacing the whole house flooring as it is still v", "sort": "hot", "upvote_ratio": 1.0, "author": "banned_boyz"}

selftext:
Question for home insurance claim. 

We had a slab leak. Insurance ended up paying out 35k that includes replacement of the whole house flooring. Even the flooring that wasn’t damaged. We found a very similar match to the existing flooring. The only damaged floor was in the bedrooms so the whole rest of the house in uniform. 

Mortgage has the insurance check which was an ACV pay out with almost no depreciation held. Only $900.

I don’t plan on replacing the whole house flooring as it is still v


topic_name: Deutsche Bank Dark Pattern Like Redesign
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1ne6kto/deutsche_bank_dark_pattern_like_redesign/
collected_at: 2026-02-12T00:05:53.366407+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1ne6kto", "score": 12, "num_comments": 0, "created_utc": 1757591056.0, "selftext": "* CSV/PDF export harder to find than before redesign\n* Must set period manually both for start/end date, when modal opens, both are empty at first (skipped showing the empty modal at 2.5)\n* No shortcut for the obvious \"give me all dates I can get from today on backwards\"\n* No shortcuts for the obvious \"all of previous year\"/\"all of the year before last\"/\"all of the current year so far\"\n* Have to set start/end date again if doing both CSV and PDF export\n* If a start/end date filter is set on the ", "sort": "hot", "upvote_ratio": 1.0, "author": "StadtLandFusel"}

selftext:
* CSV/PDF export harder to find than before redesign
* Must set period manually both for start/end date, when modal opens, both are empty at first (skipped showing the empty modal at 2.5)
* No shortcut for the obvious "give me all dates I can get from today on backwards"
* No shortcuts for the obvious "all of previous year"/"all of the year before last"/"all of the current year so far"
* Have to set start/end date again if doing both CSV and PDF export
* If a start/end date filter is set on the 


topic_name: Learning how to be creative with food saved my wallet
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxblhw/learning_how_to_be_creative_with_food_saved_my/
collected_at: 2026-02-12T00:06:01.657012+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qxblhw", "score": 78, "num_comments": 9, "created_utc": 1770364379.0, "selftext": "Me and my partner are both disabled individuals with really limited financial ability who still like enjoying things. She has a lot of dietary restrictions, and when we started dating it became a big goal to learn how to work well with it when cooking since cooking is a hobby I enjoy. \n\nThe more I have allowed myself to ignore the idea that there are any rules about how food exists I was able to feel really free and also save a ton of money. I've leaned into cooking a lot of vegan meals since pl", "sort": "hot", "upvote_ratio": 0.93, "author": "OmystictrashO"}

selftext:
Me and my partner are both disabled individuals with really limited financial ability who still like enjoying things. She has a lot of dietary restrictions, and when we started dating it became a big goal to learn how to work well with it when cooking since cooking is a hobby I enjoy. 

The more I have allowed myself to ignore the idea that there are any rules about how food exists I was able to feel really free and also save a ton of money. I've leaned into cooking a lot of vegan meals since pl


topic_name: No-spend week saved me $50. Felt weird celebrating... nothing
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qnl39d/nospend_week_saved_me_50_felt_weird_celebrating/
collected_at: 2026-02-12T00:06:05.044589+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qnl39d", "score": 294, "num_comments": 62, "created_utc": 1769445501.0, "selftext": "Went the whole last week without spending anything.\n\nFelt weird celebrating... nothing? But is it nothing? It felt good to put the saved money into my emergency fund. For the person I'll be in a year. Will I remember in a year (or even sooner) that office supply, that coffee, those random things I bought? The money saved this week is my peace of mind and confidence.\n\nMy savings: $50 a week, potentially $2,600 a year on random stuff I don't even remember buying.\n\nIs $50 a lot? Does it matter? Yes", "sort": "top", "upvote_ratio": 0.95, "author": "FinFlow247"}

selftext:
Went the whole last week without spending anything.

Felt weird celebrating... nothing? But is it nothing? It felt good to put the saved money into my emergency fund. For the person I'll be in a year. Will I remember in a year (or even sooner) that office supply, that coffee, those random things I bought? The money saved this week is my peace of mind and confidence.

My savings: $50 a week, potentially $2,600 a year on random stuff I don't even remember buying.

Is $50 a lot? Does it matter? Yes


topic_name: Rakuten vs. BILT Dining vs. AA Dining – What Would You Do?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1lw7r/rakuten_vs_bilt_dining_vs_aa_dining_what_would/
collected_at: 2026-02-12T00:06:10.587971+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1lw7r", "score": 11, "num_comments": 38, "created_utc": 1770779195.0, "selftext": "Hi All, i'm trying to figure out which dining program actually makes the most sense for me.\n\nCurrent cards:  \nAmex trifecta (Gold, Plat, BBP), CSP, and WF Autograph (Bilt 1.0 era).\n\nRight now I mainly use Rakuten for online shopping, but I honestly don\u2019t feel like I get much out of their dining side. Could just be that I don\u2019t go to many of the restaurants in their network, or the tracking hasn\u2019t been perfect (had to request missing points last time).\n\nI used to use BILT Dining, but really only ", "sort": "hot", "upvote_ratio": 0.92, "author": "Defin1telyNotBatman"}

selftext:
Hi All, i'm trying to figure out which dining program actually makes the most sense for me.

Current cards:  
Amex trifecta (Gold, Plat, BBP), CSP, and WF Autograph (Bilt 1.0 era).

Right now I mainly use Rakuten for online shopping, but I honestly don’t feel like I get much out of their dining side. Could just be that I don’t go to many of the restaurants in their network, or the tracking hasn’t been perfect (had to request missing points last time).

I used to use BILT Dining, but really only 


topic_name: Capital One Venture X Hate
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qhtlpc/capital_one_venture_x_hate/
collected_at: 2026-02-12T00:06:13.782166+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qhtlpc", "score": 87, "num_comments": 134, "created_utc": 1768890550.0, "selftext": "I've been noticing a ton of hate for the VX lately, especially among content creators. Multiple videos came out recently about them canceling VX cards. I know the changes announced last year are taking place soon but I have to ask, is it really that bad? \n\nI personally still think it's a pretty good card that I plan on keeping as it stands. If they raise the AF eventually that might mean another audit. \n\nBut imo until I'm in a position to justify the CSR or Amex Platinum (and I may never be) I s", "sort": "top", "upvote_ratio": 0.83, "author": "yankeeblue42"}

selftext:
I've been noticing a ton of hate for the VX lately, especially among content creators. Multiple videos came out recently about them canceling VX cards. I know the changes announced last year are taking place soon but I have to ask, is it really that bad? 

I personally still think it's a pretty good card that I plan on keeping as it stands. If they raise the AF eventually that might mean another audit. 

But imo until I'm in a position to justify the CSR or Amex Platinum (and I may never be) I s


topic_name: Need advice regarding junk car sale
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2bk0u/need_advice_regarding_junk_car_sale/
collected_at: 2026-02-12T00:06:18.920951+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2bk0u", "score": 0, "num_comments": 0, "created_utc": 1770848363.0, "selftext": "Need help. I sold a car to a junk dealer I found on  the internet. He came over and paid me $100 for the car and said he would give me a bill of sale. He strapped the car on his trailer and got in his car and started to drive off. I ran over and told him I needed the bill of sale. He said he would send it to my phone in the morning. Never received anything. When I called he said he'd already sold the car and there was nothing he could do for me. I don't have any of his info. I did submit a relea", "sort": "hot", "upvote_ratio": 0.5, "author": "Equal-Proof-4193"}

selftext:
Need help. I sold a car to a junk dealer I found on  the internet. He came over and paid me $100 for the car and said he would give me a bill of sale. He strapped the car on his trailer and got in his car and started to drive off. I ran over and told him I needed the bill of sale. He said he would send it to my phone in the morning. Never received anything. When I called he said he'd already sold the car and there was nothing he could do for me. I don't have any of his info. I did submit a relea


source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356624+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
AZ Help. Process Server detained my 16 year old in the driveway to serve me paperwork, is this legal?

url:
https://reddit.com/r/legaladvice/comments/1qr9ujg/az_help_process_server_detained_my_16_year_old_in/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qr9ujg", "score": 725, "num_comments": 45, "created_utc": 1769789766.0, "selftext": "Location: Tucson, AZ.\n\nMy 16-year-old daughter was leaving for school, sitting in her car getting her phone plugged in, and a process server arrived and told her to lower her window. She cracked it, and he asked her questions about who she was, if I was home, etc. He demanded to see her ID, and she refused, saying she wanted to leave for school because she was late, and he told her no. He tried to force her to take the papers through her window, but again wouldn't let her leave, secured them on ", "sort": "top", "upvote_ratio": 0.95, "author": "icecubejdi"}

selftext:
Location: Tucson, AZ.

My 16-year-old daughter was leaving for school, sitting in her car getting her phone plugged in, and a process server arrived and told her to lower her window. She cracked it, and he asked her questions about who she was, if I was home, etc. He demanded to see her ID, and she refused, saying she wanted to leave for school because she was late, and he told her no. He tried to force her to take the papers through her window, but again wouldn't let her leave, secured them on 


topic_name: LPT: Put a band-aid in your wallet, guys.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qskpf3/lpt_put_a_bandaid_in_your_wallet_guys/
collected_at: 2026-02-12T00:06:28.286136+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qskpf3", "score": 433, "num_comments": 64, "created_utc": 1769909507.0, "selftext": "Endlessly handy. I locked my bicycle to a cart corral and sliced open a knuckle by accident and it only took me the time to pull it out to stop the bleeding before I went into the store. \n\nI threw the packaging from my pocket when I got home. \n\nHave a good one and don't cut yourself! But when you do, have a band-aid handy!", "sort": "hot", "upvote_ratio": 0.91, "author": "BoltMyBackToHappy"}

selftext:
Endlessly handy. I locked my bicycle to a cart corral and sliced open a knuckle by accident and it only took me the time to pull it out to stop the bleeding before I went into the store. 

I threw the packaging from my pocket when I got home. 

Have a good one and don't cut yourself! But when you do, have a band-aid handy!


topic_name: Best linen pants and shirts for TALL women for 120+ degree weather?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0cldv/best_linen_pants_and_shirts_for_tall_women_for/
collected_at: 2026-02-12T00:06:36.789756+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0cldv", "score": 25, "num_comments": 40, "created_utc": 1770662615.0, "selftext": "Looking for linen button up shirts and pants that are nice for the summer. My current pants get swampy as it gets 120+ Fahrenheit on bad days (49% nylon, 40% rayon, 11% spandex). Needs to be work appropriate. Looking for long sleeve shirts and long pants. **Specifically 34\u201d inseam or longer.** I\u2019m 6\u2019 tall.\n\nLet me know if you have any recs.", "sort": "hot", "upvote_ratio": 0.86, "author": "bchappp"}

selftext:
Looking for linen button up shirts and pants that are nice for the summer. My current pants get swampy as it gets 120+ Fahrenheit on bad days (49% nylon, 40% rayon, 11% spandex). Needs to be work appropriate. Looking for long sleeve shirts and long pants. **Specifically 34” inseam or longer.** I’m 6’ tall.

Let me know if you have any recs.


topic_name: Bodum Melior Gooseneck Water Kettle (6 years and going strong)
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qqelh3/bodum_melior_gooseneck_water_kettle_6_years_and/
collected_at: 2026-02-12T00:06:40.492370+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qqelh3", "score": 478, "num_comments": 92, "created_utc": 1769706858.0, "selftext": "I know 6 years isn't technically a long time by this group's standards, but for about $30 when I bought it 6 years ago (from Target at that) I've still had no issues. I used this at least twice a day too and love it", "sort": "top", "upvote_ratio": 0.93, "author": "Some_Scallion1862"}

selftext:
I know 6 years isn't technically a long time by this group's standards, but for about $30 when I bought it 6 years ago (from Target at that) I've still had no issues. I used this at least twice a day too and love it


topic_name: 2025 Income/Expenses Sankey
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qmhszn/2025_incomeexpenses_sankey/
collected_at: 2026-02-12T00:06:47.000116+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qmhszn", "score": 67, "num_comments": 45, "created_utc": 1769343966.0, "selftext": "STATS\n\n44 y.o. Se\u00f1or Software Engineer, Married DINKs, Earning in West Coast, living in Midwest.\n\n(Personal data. Household is a bit more)\n\nhttps://i.imgur.com/ts6kVwD.png\n\nFinally got around to building this. Things are looking pretty good. \n\nCrazy to see over 100k invested in one year.\n\nExpenses were a little high, but that's because of a surgery, a honeymoon, and house upgrades.\n\nMight be getting a ~$20k bonus in February 2026... We'll see.\n\nNot much more to say. Need to keep on keeping on.", "sort": "hot", "upvote_ratio": 0.79, "author": "FIMilestonesDeux"}

selftext:
STATS

44 y.o. Señor Software Engineer, Married DINKs, Earning in West Coast, living in Midwest.

(Personal data. Household is a bit more)

https://i.imgur.com/ts6kVwD.png

Finally got around to building this. Things are looking pretty good. 

Crazy to see over 100k invested in one year.

Expenses were a little high, but that's because of a surgery, a honeymoon, and house upgrades.

Might be getting a ~$20k bonus in February 2026... We'll see.

Not much more to say. Need to keep on keeping on.


topic_name: I DID NOT ACT LIKE THAT WHEN I WAS 10 #meme #fyp
source: youtube
region: US
url: https://youtube.com/watch?v=KpMj5-i0ctg
collected_at: 2026-02-12T00:04:30.766140
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "KpMj5-i0ctg", "channel": "hlee", "category": "Sports", "category_id": 17, "views": "4700166", "view_count": 4700166, "likes": "173246", "published_at": "2026-02-10T02:01:11Z"}


topic_name: Should I take a 401k Loan?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r26p4i/should_i_take_a_401k_loan/
collected_at: 2026-02-12T00:04:41.814995+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r26p4i", "score": 0, "num_comments": 6, "created_utc": 1770837434.0, "selftext": "I\u2019m 31 years old and really messed up my finances in my 20s. I paid for 80% of my college but had a hard time getting a good job out of school. I was living beyond my means and racked up around $30k in credit/personal loan. I have multiple accounts in collections and had my car repossessed and recovered twice. My credit is in the low 500s. I was careless and extremely irresponsible.\n\nI recently finally started to turn things around, I worked my way up and just got a big promotion making 85k a ye", "sort": "hot", "upvote_ratio": 0.5, "author": "NJPhl-Bul"}

selftext:
I’m 31 years old and really messed up my finances in my 20s. I paid for 80% of my college but had a hard time getting a good job out of school. I was living beyond my means and racked up around $30k in credit/personal loan. I have multiple accounts in collections and had my car repossessed and recovered twice. My credit is in the low 500s. I was careless and extremely irresponsible.

I recently finally started to turn things around, I worked my way up and just got a big promotion making 85k a ye


topic_name: whats better, claim SS now at age 65 or wait until 70 and use 401k funds to cover
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418276+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qxicdx/whats_better_claim_ss_now_at_age_65_or_wait_until/

metadata:
{"subreddit": "personalfinance", "post_id": "1qxicdx", "score": 280, "num_comments": 346, "created_utc": 1770386335.0, "selftext": "Question, I would like to retire now at age 65.  I can live on $5000.00 monthly. Wife is 63 and retired, claimed SS at 62 and gets $1500.00 monthly.  We each have a 401k, mine is 550k in target date fund 2030.  Hers is 275k in target date fun 2025. We have not touched them. If I retire now at age 65 I can get approx $2700 SS or at age 70 and get maybe $4100. Should I draw down one 401K and not claim SS until 70, or take SS now and use less 401k for the rest of our lives? at age 70 with both SS o", "sort": "top", "upvote_ratio": 0.88, "author": "Real-Occasion-5452"}

selftext:
Question, I would like to retire now at age 65.  I can live on $5000.00 monthly. Wife is 63 and retired, claimed SS at 62 and gets $1500.00 monthly.  We each have a 401k, mine is 550k in target date fund 2030.  Hers is 275k in target date fun 2025. We have not touched them. If I retire now at age 65 I can get approx $2700 SS or at age 70 and get maybe $4100. Should I draw down one 401K and not claim SS until 70, or take SS now and use less 401k for the rest of our lives? at age 70 with both SS o


source: reddit
region: global
collected_at: 2026-02-12T00:04:50.635816+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
Was it worth spending money on warranty and after care products for a 2017 Vauxhall Mokka? I’m in England.

url:
https://reddit.com/r/askcarsales/comments/1r0klm5/was_it_worth_spending_money_on_warranty_and_after/

metadata:
{"subreddit": "askcarsales", "post_id": "1r0klm5", "score": 0, "num_comments": 12, "created_utc": 1770680398.0, "selftext": "I asked on LegalUK if I have any recourse and after combing through what I have paid for I thought I\u2019d ask here. Looking for honest opinions from people who know about cars and real-world running costs.\n\nFour months ago I bought a 2017 Vauxhall Mokka X (1.6 petrol, 30k miles) from Car Planet (Barnet) for \u00a38,000.\n\nI paid \u00a37,300 upfront, and the remaining \u00a3700 was added to a finance agreement along with an aftercare package.\n\nThe package included:\n\n\u2022 4 Year Service Plan \u2013 \u00a3700\n\n\u2022 4 Years RAC Plati", "sort": "hot", "upvote_ratio": 0.5, "author": "cheesymeowgirl"}

selftext:
I asked on LegalUK if I have any recourse and after combing through what I have paid for I thought I’d ask here. Looking for honest opinions from people who know about cars and real-world running costs.

Four months ago I bought a 2017 Vauxhall Mokka X (1.6 petrol, 30k miles) from Car Planet (Barnet) for £8,000.

I paid £7,300 upfront, and the remaining £700 was added to a finance agreement along with an aftercare package.

The package included:

• 4 Year Service Plan – £700

• 4 Years RAC Plati


topic_name: Just a reminder to sign up for formula rewards programs
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457588+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r0hoo5/just_a_reminder_to_sign_up_for_formula_rewards/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0hoo5", "score": 140, "num_comments": 2, "created_utc": 1770673621.0, "selftext": "so enfomil sent us \"the wonder box\" because we signed up for their rewards program.  so we got like $30 in formula powder in the box,  like $70 in formula coupons for their formula,  like $250 in assorted gift cards to some online partners they have, this was all free.\n\nsimilac, the other big formula brand, they also send us regular packets of coupons to be used for their formulas.\n\nso if you have a baby, signing up for the rewards programs with the two formula companies will save you a lot of m", "sort": "hot", "upvote_ratio": 0.99, "author": "JacobLovesCrypto"}

selftext:
so enfomil sent us "the wonder box" because we signed up for their rewards program.  so we got like $30 in formula powder in the box,  like $70 in formula coupons for their formula,  like $250 in assorted gift cards to some online partners they have, this was all free.

similac, the other big formula brand, they also send us regular packets of coupons to be used for their formulas.

so if you have a baby, signing up for the rewards programs with the two formula companies will save you a lot of m


topic_name: [US] Xfnity Scam: Almost Bullet Proof
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0snv7/us_xfnity_scam_almost_bullet_proof/
collected_at: 2026-02-12T00:05:08.886792+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0snv7", "score": 20, "num_comments": 13, "created_utc": 1770702543.0, "selftext": "I recieved a scam call from Xfinity. Everything checked out:\n\n* Caller ID showed correct xfinity phone number\n* They knew my name\n* They knew my account number\n* They knew my address\n* They knew my cell number\n\nWhat tipped me off it was a scam?\n\n* They called me to tell me they detected firewall was down and malware made it into my system.  Xfinity would never call about firewall or malware.\n* And most importantly, I don't have Xfinity service anymore because I ditched them a year ago.\n   * They", "sort": "hot", "upvote_ratio": 0.84, "author": "UpTheDumpIsRetarded"}

selftext:
I recieved a scam call from Xfinity. Everything checked out:

* Caller ID showed correct xfinity phone number
* They knew my name
* They knew my account number
* They knew my address
* They knew my cell number

What tipped me off it was a scam?

* They called me to tell me they detected firewall was down and malware made it into my system.  Xfinity would never call about firewall or malware.
* And most importantly, I don't have Xfinity service anymore because I ditched them a year ago.
   * They


topic_name: Woman begging my friend to help her escape foreign country??
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qonbbb/woman_begging_my_friend_to_help_her_escape/
collected_at: 2026-02-12T00:05:12.358962+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qonbbb", "score": 79, "num_comments": 76, "created_utc": 1769540975.0, "selftext": "So here is what happened. A friend of mine said he gets a private message on some social media claiming it is a \"sweet loving helpless American woman \" who was tricked by a mean foreign man that he loved her. She then said she went to meet him in some town in Africa and once in the hotel, he stole all her money and belongings except her clothes. She then said the hotel staff are holding her passport and will not release it with her plane ticket home, unless she pays the 1000 to 2000 US dollar ho", "sort": "top", "upvote_ratio": 0.82, "author": "UniversalAssembler"}

selftext:
So here is what happened. A friend of mine said he gets a private message on some social media claiming it is a "sweet loving helpless American woman " who was tricked by a mean foreign man that he loved her. She then said she went to meet him in some town in Africa and once in the hotel, he stole all her money and belongings except her clothes. She then said the hotel staff are holding her passport and will not release it with her plane ticket home, unless she pays the 1000 to 2000 US dollar ho


topic_name: Cyber Monday “Deals”
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pbhbty/cyber_monday_deals/
collected_at: 2026-02-12T00:05:17.889858+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1pbhbty", "score": 1273, "num_comments": 95, "created_utc": 1764606592.0, "selftext": "Here\u2019s a coat I bought off Amazon not on sale for $50. And here\u2019s that same coat \u201con sale\u201d for $50 as a lightning deal. ", "sort": "hot", "upvote_ratio": 0.96, "author": "BewilderingStupidity"}

selftext:
Here’s a coat I bought off Amazon not on sale for $50. And here’s that same coat “on sale” for $50 as a lightning deal. 


topic_name: Immediate reduction in hair breakage?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qwg2sv/immediate_reduction_in_hair_breakage/
collected_at: 2026-02-12T00:05:26.020581+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qwg2sv", "score": 29, "num_comments": 7, "created_utc": 1770280995.0, "selftext": "Come on people, don\u2019t fall for this nonsense about the Monat IR Clinical scalp serum. NOTHING immediately reduces hair breakage. Just another example of the uneducated, fake claims by an uneducated, fake hun. ", "sort": "hot", "upvote_ratio": 0.97, "author": "kbin1970"}

selftext:
Come on people, don’t fall for this nonsense about the Monat IR Clinical scalp serum. NOTHING immediately reduces hair breakage. Just another example of the uneducated, fake claims by an uneducated, fake hun. 


topic_name: Star health Insurance India
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1od6u/star_health_insurance_india/
collected_at: 2026-02-12T00:05:44.256745+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1od6u", "score": 0, "num_comments": 0, "created_utc": 1770786369.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.5, "author": "ActRevolutionary498"}


topic_name: Insurance Fraud? Ex Wife Issues
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qv88yf/insurance_fraud_ex_wife_issues/
collected_at: 2026-02-12T00:05:47.658443+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qv88yf", "score": 12, "num_comments": 31, "created_utc": 1770162012.0, "selftext": "So, my ex wife filed multiple claims on our insurance for her car saying I was the driver AFTER she served me with divorce papers before we finalized the divorce back in 2022. I had no access to her vehicle/keys/the insurance. For two of the claims, I wasn't even in the state. I have proof I wasn't in the state for the one filed in September and December. For the one in September, I was actively working in office at a new job in another state, and I have the bank statements showing the deposits.", "sort": "top", "upvote_ratio": 0.88, "author": "Training-Yam1975"}

selftext:
So, my ex wife filed multiple claims on our insurance for her car saying I was the driver AFTER she served me with divorce papers before we finalized the divorce back in 2022. I had no access to her vehicle/keys/the insurance. For two of the claims, I wasn't even in the state. I have proof I wasn't in the state for the one filed in September and December. For the one in September, I was actively working in office at a new job in another state, and I have the bank statements showing the deposits.


topic_name: Tracking unsubscribe links
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1ncm6ny/tracking_unsubscribe_links/
collected_at: 2026-02-12T00:05:53.366411+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1ncm6ny", "score": 0, "num_comments": 4, "created_utc": 1757432101.0, "selftext": "https://preview.redd.it/ee32z6qtr5of1.png?width=698&amp;format=png&amp;auto=webp&amp;s=01fb436428c9931c95e4e02dc10b03df794f3a53\n\n", "sort": "hot", "upvote_ratio": 0.31, "author": "mika5555"}

selftext:
https://preview.redd.it/ee32z6qtr5of1.png?width=698&amp;format=png&amp;auto=webp&amp;s=01fb436428c9931c95e4e02dc10b03df794f3a53


topic_name: Beans, rice, eggs, and chicken shaved about $130/month off my grocery bill
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qwp1t3/beans_rice_eggs_and_chicken_shaved_about_130month/
collected_at: 2026-02-12T00:06:01.657015+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qwp1t3", "score": 674, "num_comments": 133, "created_utc": 1770307048.0, "selftext": "So one of my new years resolution is to be more intentional with my money, and I thought, why not start with me food.\n\nI took the advice on this subreddit, and substituted my diet for an entire month to be mostly beans, rice, eggs,and chicken. Yes, I have some cheat meals, like ground beef, broccoli, corn, etc but for the most part, I stuck to the plan.\n\nI want to say that I cook almost every meal of mine already, so I\u2019m already being frugal. But eating this diet reduced my grocery by an additio", "sort": "hot", "upvote_ratio": 0.94, "author": "IAMA_drunk_AMA"}

selftext:
So one of my new years resolution is to be more intentional with my money, and I thought, why not start with me food.

I took the advice on this subreddit, and substituted my diet for an entire month to be mostly beans, rice, eggs,and chicken. Yes, I have some cheat meals, like ground beef, broccoli, corn, etc but for the most part, I stuck to the plan.

I want to say that I cook almost every meal of mine already, so I’m already being frugal. But eating this diet reduced my grocery by an additio


topic_name: Credit Card Upgrade with a balance?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r219et/credit_card_upgrade_with_a_balance/
collected_at: 2026-02-12T00:06:10.587975+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r219et", "score": 1, "num_comments": 4, "created_utc": 1770825718.0, "selftext": "Credit Karma keeps suggesting I upgrade my first ever card I applied for that I still have from years back, admittedly it does suck but I have a balance of 2 grand left on it that I\u2019m slowing paying down, my question is, is this even beneficial? Sure the balance transfer intro is 0% APR but am I guaranteed a higher credit line to bolster my credit score a few points more while giving me breathing room from interest or should I just keep the card and pay it off. I just have never really heard of ", "sort": "hot", "upvote_ratio": 0.67, "author": "EstimateOutside1290"}

selftext:
Credit Karma keeps suggesting I upgrade my first ever card I applied for that I still have from years back, admittedly it does suck but I have a balance of 2 grand left on it that I’m slowing paying down, my question is, is this even beneficial? Sure the balance transfer intro is 0% APR but am I guaranteed a higher credit line to bolster my credit score a few points more while giving me breathing room from interest or should I just keep the card and pay it off. I just have never really heard of 


topic_name: Bilt's New Point-Earning Strat: Visualized
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qex7ga/bilts_new_pointearning_strat_visualized/
collected_at: 2026-02-12T00:06:13.782169+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qex7ga", "score": 87, "num_comments": 48, "created_utc": 1768608835.0, "selftext": "I decided to graph the overly complicated new point-earning method Ankur announced that avoids Bilt Cash.\n\n**Assumption:** Bilt Palladium (2x on everything). Bilt Blue would look the same, except 1 multiplier less. Bilt Obsidian depends on how you balance your non-rent spend so is tricky to graph. I realize that the Bilt Cash line should cap out at 75% of rent spend, but graphing this ended up being super complicated so I left it a flat line.\n\n**For comparison, Bilt Cash's earnings corresponds t", "sort": "top", "upvote_ratio": 0.92, "author": "Super-Onion"}

selftext:
I decided to graph the overly complicated new point-earning method Ankur announced that avoids Bilt Cash.

**Assumption:** Bilt Palladium (2x on everything). Bilt Blue would look the same, except 1 multiplier less. Bilt Obsidian depends on how you balance your non-rent spend so is tricky to graph. I realize that the Bilt Cash line should cap out at 75% of rent spend, but graphing this ended up being super complicated so I left it a flat line.

**For comparison, Bilt Cash's earnings corresponds t


topic_name: Adult Adoption in PA
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2bgu7/adult_adoption_in_pa/
collected_at: 2026-02-12T00:06:18.920955+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2bgu7", "score": 1, "num_comments": 0, "created_utc": 1770848164.0, "selftext": "Location: Pennsylvania\n\nI searched the sub, but didn't find any relavent posts that were from PA.\n\nI asked my non biological dad, who I've known for almost 30 years to adopt me a few years back and he was happy about it. I never pursued it though. I'm getting married in a few months and want to surprise him at our first look with the paperwork to file for an adult adoption. \n\nKind of a \"make me officially yours before you give me away\" thing.\n\nI know we will have to file, and go to court later o", "sort": "hot", "upvote_ratio": 1.0, "author": "__Gettin_Schwifty__"}

selftext:
Location: Pennsylvania

I searched the sub, but didn't find any relavent posts that were from PA.

I asked my non biological dad, who I've known for almost 30 years to adopt me a few years back and he was happy about it. I never pursued it though. I'm getting married in a few months and want to surprise him at our first look with the paperwork to file for an adult adoption. 

Kind of a "make me officially yours before you give me away" thing.

I know we will have to file, and go to court later o


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qv29tc/no_heat_in_minnesota_winter_for_2_weeks_pipes/
collected_at: 2026-02-12T00:06:22.356628+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
No Heat in Minnesota Winter for 2 weeks, pipes burst, I moved out and now my landlord is coming after me for the remainder of my lease balance.

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qv29tc", "score": 716, "num_comments": 46, "created_utc": 1770148376.0, "selftext": "Location: Minneapols, MN, USA\n\nHello all,\n\nI need advice. I live in Minneapolis, MN and rented from an independent landlord. On 1/14/2026, when it was approximately -20\u00b0F here in MN, the heat went out for my entire 18 unit building. No temp heat was provided to anyone.\n\nI reported this to the landlord over text, email and calls every day until he accused me of harassing him and \"ratting him out the the city\" and called me a \"crazy bitch\".\n\nI did indeed report this to the city on 1/20, as did sev", "sort": "top", "upvote_ratio": 0.93, "author": "kefurbush"}

selftext:
Location: Minneapols, MN, USA

Hello all,

I need advice. I live in Minneapolis, MN and rented from an independent landlord. On 1/14/2026, when it was approximately -20°F here in MN, the heat went out for my entire 18 unit building. No temp heat was provided to anyone.

I reported this to the landlord over text, email and calls every day until he accused me of harassing him and "ratting him out the the city" and called me a "crazy bitch".

I did indeed report this to the city on 1/20, as did sev


topic_name: LPT: Break doomscrolling by skipping ahead 20 posts and working through them backwards
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qsa9qo/lpt_break_doomscrolling_by_skipping_ahead_20/
collected_at: 2026-02-12T00:06:28.286140+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qsa9qo", "score": 930, "num_comments": 43, "created_utc": 1769884485.0, "selftext": "The hardest part of doomscrolling is that the feed is infinite, without any natural cues to stop. The way I\u2019ve found to combat this is to quickly scroll down 20-30 posts (without looking at them), then work backwards till you reach the already-seen posts. Once you reach the top (the post where you started), you hit a natural stopping point. This is a simple task not requiring the sheer willpower of \u201cjust stopping\u201d immediately, and kills the addictive nature of not knowing what\u2019s next.\n\nThe small", "sort": "hot", "upvote_ratio": 0.96, "author": "Routine-Sign-7215"}

selftext:
The hardest part of doomscrolling is that the feed is infinite, without any natural cues to stop. The way I’ve found to combat this is to quickly scroll down 20-30 posts (without looking at them), then work backwards till you reach the already-seen posts. Once you reach the top (the post where you started), you hit a natural stopping point. This is a simple task not requiring the sheer willpower of “just stopping” immediately, and kills the addictive nature of not knowing what’s next.

The small


topic_name: Which dehumidifier to get for a Physiotherapy Room?
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789759+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r0xb81/which_dehumidifier_to_get_for_a_physiotherapy_room/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0xb81", "score": 0, "num_comments": 1, "created_utc": 1770719586.0, "selftext": "Hi all, \n\nI'd like some suggestions for a new dehumidifier in the European market for a Physiotherapy room. \n\nI'm eyeing the Wood's AD20 (which is made in Sweden) and it also has an Active ION HEPA filter for air purifying. (https://woods.se/en/products/dehumidifiers/ad20/)\n\nOr maybe the cheaper Juro Pro dehumidifier (https://www.juropro.gr/products/afygrantires/eco-ii-23l-rc) which also has an ionizer. I don't know if this Juro Pro model is to be trusted, especially for it's HEPA filter. Could ", "sort": "hot", "upvote_ratio": 0.5, "author": "Interesting-Rip2280"}

selftext:
Hi all, 

I'd like some suggestions for a new dehumidifier in the European market for a Physiotherapy room. 

I'm eyeing the Wood's AD20 (which is made in Sweden) and it also has an Active ION HEPA filter for air purifying. (https://woods.se/en/products/dehumidifiers/ad20/)

Or maybe the cheaper Juro Pro dehumidifier (https://www.juropro.gr/products/afygrantires/eco-ii-23l-rc) which also has an ionizer. I don't know if this Juro Pro model is to be trusted, especially for it's HEPA filter. Could 


topic_name: I am in my mid-40s. My mom has been using these tweezers for my entire life.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qtb7lw/i_am_in_my_mid40s_my_mom_has_been_using_these/
collected_at: 2026-02-12T00:06:40.492383+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qtb7lw", "score": 461, "num_comments": 25, "created_utc": 1769980947.0, "selftext": "In the late 70s/early 80s my mom worked in a factory that made car parts. I think that may be where she acquired these tweezers. She uses them for everything from cosmetic purposes, to pulling fish bones, to precision repairs.", "sort": "top", "upvote_ratio": 0.97, "author": "katmai_novarupta"}

selftext:
In the late 70s/early 80s my mom worked in a factory that made car parts. I think that may be where she acquired these tweezers. She uses them for everything from cosmetic purposes, to pulling fish bones, to precision repairs.


topic_name: What are the economic and humanitarian consequences of a prolonged military conflict?
source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397280+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
metadata:
{"original_headline": "Russian casualties grow amid signs of economic crisis - Semafor", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: PS5 cutting off mid-game. Only comes back after unplugging it from the wall. 🎮⚡
source: youtube
region: US
url: https://youtube.com/watch?v=csKZkwM0vlI
collected_at: 2026-02-12T00:04:31.071986
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "csKZkwM0vlI", "channel": "iFlex", "category": "Science & Technology", "category_id": 28, "views": "4511461", "view_count": 4511461, "likes": "221061", "published_at": "2026-02-05T19:50:05Z"}


source: youtube
region: CA
url: https://youtube.com/watch?v=imNmqA2uE3I
collected_at: 2026-02-12T00:04:31.506260
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "imNmqA2uE3I", "channel": "CineAnalyze", "category": "Entertainment", "category_id": 24, "views": "5089991", "view_count": 5089991, "likes": "0", "published_at": "2026-02-07T12:32:42Z"}


topic_name: 100% VA benefits personal finance ideas
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r26l87/100_va_benefits_personal_finance_ideas/
collected_at: 2026-02-12T00:04:41.814999+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r26l87", "score": 1, "num_comments": 2, "created_utc": 1770837196.0, "selftext": "Anyone on this side of reddit have any good tips for someone with 100% Rating VA benefits? I'm in NY and I think I've got the big ones covered with local tax exemptions, some of the potential college benefits for kids, and the healthcare. I'm thinking that this would be a good community to fish for some of the lesser-known or unconventional things people may have.", "sort": "hot", "upvote_ratio": 1.0, "author": "ShoddyApple4408"}

selftext:
Anyone on this side of reddit have any good tips for someone with 100% Rating VA benefits? I'm in NY and I think I've got the big ones covered with local tax exemptions, some of the potential college benefits for kids, and the healthcare. I'm thinking that this would be a good community to fish for some of the lesser-known or unconventional things people may have.


topic_name: Retirement at 57.5 am I crazy
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qrcty9/retirement_at_575_am_i_crazy/
collected_at: 2026-02-12T00:04:45.418280+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qrcty9", "score": 268, "num_comments": 202, "created_utc": 1769796014.0, "selftext": "I'm retired Military, annual pension is $56,000 per year take home, I have $650,000 in my 401K and own a bar that generates about $100K gross per year which I take no money from, but pays my wife $24,000 per year.  Annual household spend is $54,000 a year all in.  I'm tired of the corporate grind and want to punch out before the end of 2026. Am I ready or foolish?", "sort": "top", "upvote_ratio": 0.77, "author": "PDXgoat68"}

selftext:
I'm retired Military, annual pension is $56,000 per year take home, I have $650,000 in my 401K and own a bar that generates about $100K gross per year which I take no money from, but pays my wife $24,000 per year.  Annual household spend is $54,000 a year all in.  I'm tired of the corporate grind and want to punch out before the end of 2026. Am I ready or foolish?


topic_name: Washington: Help! Additional add ons/warranties I didn’t expect.
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0miau/washington_help_additional_add_onswarranties_i/
collected_at: 2026-02-12T00:04:50.635820+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0miau", "score": 0, "num_comments": 7, "created_utc": 1770685278.0, "selftext": "I signed a contract today and put down $4k for a Tacoma. I left it at the dealership cause I drove there and said I\u2019ll pick it up some time this week. When I was with the finance person I remember them telling me I have the \u201cbasic kit\u201d already and were trying to get me to get GAP insurance and all these other things. I said no, I\u2019ll just take my basic kit (thinking it was what comes with the car at no cost). I\u2019m looking through my contract paper at home now and they charged me $6k on it. It\u2019s li", "sort": "hot", "upvote_ratio": 0.33, "author": "svuester5"}

selftext:
I signed a contract today and put down $4k for a Tacoma. I left it at the dealership cause I drove there and said I’ll pick it up some time this week. When I was with the finance person I remember them telling me I have the “basic kit” already and were trying to get me to get GAP insurance and all these other things. I said no, I’ll just take my basic kit (thinking it was what comes with the car at no cost). I’m looking through my contract paper at home now and they charged me $6k on it. It’s li


topic_name: Women in Car Sales
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qk5fo5/women_in_car_sales/
collected_at: 2026-02-12T00:04:53.860401+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qk5fo5", "score": 15, "num_comments": 24, "created_utc": 1769112902.0, "selftext": "So, recently I joined car sales. I honestly wanted to experience high volume sales. I enjoy the selling process and I\u2019ve learned so much. I get along with my co-sales team and I truly enjoy my time with them. The only problem is the management. They berate the team and call us worthless and say we aren\u2019t trying hard because sales are down. I understand the frustration but they are degrading the salesmen and just causing massive demoralization. The turn over rate is directly tied to this. It is v", "sort": "top", "upvote_ratio": 0.9, "author": "Romazing628"}

selftext:
So, recently I joined car sales. I honestly wanted to experience high volume sales. I enjoy the selling process and I’ve learned so much. I get along with my co-sales team and I truly enjoy my time with them. The only problem is the management. They berate the team and call us worthless and say we aren’t trying hard because sales are down. I understand the frustration but they are degrading the salesmen and just causing massive demoralization. The turn over rate is directly tied to this. It is v


topic_name: Update from yesterday
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r18guv/update_from_yesterday/
collected_at: 2026-02-12T00:04:59.457591+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r18guv", "score": 2, "num_comments": 0, "created_utc": 1770747436.0, "selftext": "\\#(Portland Oregon) \ud83c\uddfa\ud83c\uddf8 I wasn\u2019t able to get any funding so I\u2019m really hoping my landlord will work with me he\u2019s supposed to be here today to serve papers for court and I\u2019m really scared I\u2019m older and a widow but I\u2019m strong and I got this thank you everyone for your advice I truly appreciate all you \ud83d\ude4f\ud83d\ude4f", "sort": "hot", "upvote_ratio": 0.56, "author": "Mccharlson52"}

selftext:
\#(Portland Oregon) 🇺🇸 I wasn’t able to get any funding so I’m really hoping my landlord will work with me he’s supposed to be here today to serve papers for court and I’m really scared I’m older and a widow but I’m strong and I got this thank you everyone for your advice I truly appreciate all you 🙏🙏


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489314+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
I don’t think people stopped saving because they became irresponsible. I think the system made saving impossible.

url:
https://reddit.com/r/povertyfinance/comments/1qde5h3/i_dont_think_people_stopped_saving_because_they/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qde5h3", "score": 734, "num_comments": 88, "created_utc": 1768465673.0, "selftext": "This is something I\u2019ve been thinking about lately.\n\nIn the past, most people didn\u2019t save because they were amazing with money. They saved because after paying rent, food, utilities, and other basic expenses, there was usually some money left over. Saving happened naturally once necessities were covered.\n\nThat leftover money barely exists anymore.\n\nIt feels like big companies have gotten very good at pricing things based on exactly how much people can afford. With better data, pricing algorithms,", "sort": "top", "upvote_ratio": 0.92, "author": "arturortiz88"}

selftext:
This is something I’ve been thinking about lately.

In the past, most people didn’t save because they were amazing with money. They saved because after paying rent, food, utilities, and other basic expenses, there was usually some money left over. Saving happened naturally once necessities were covered.

That leftover money barely exists anymore.

It feels like big companies have gotten very good at pricing things based on exactly how much people can afford. With better data, pricing algorithms,


topic_name: [US] Mom Received Horrible Scam Message with Mutilated Bodies??
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0ljhg/us_mom_received_horrible_scam_message_with/
collected_at: 2026-02-12T00:05:08.886795+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0ljhg", "score": 49, "num_comments": 9, "created_utc": 1770682763.0, "selftext": "We were about to eat when all of the sudden her phone started going off like crazy and she pulled up a scam message with these just horrible pictures on it, it also had a long paragraph text of what she said was in Spanish although I\u2019m not sure as I only briefly saw the text and pictures from across the room. \n\nShe quickly reported and deleted the text but good God that was terrifying, even standing 3 feet away and seeing the photos shook me up\u2026I\u2019ve never heard or seen some kind of spam or scam ", "sort": "hot", "upvote_ratio": 0.9, "author": "OriginalBear3756"}

selftext:
We were about to eat when all of the sudden her phone started going off like crazy and she pulled up a scam message with these just horrible pictures on it, it also had a long paragraph text of what she said was in Spanish although I’m not sure as I only briefly saw the text and pictures from across the room. 

She quickly reported and deleted the text but good God that was terrifying, even standing 3 feet away and seeing the photos shook me up…I’ve never heard or seen some kind of spam or scam 


topic_name: Bar &amp; Restaurant scams in Istanbul (TR)
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qcapay/bar_restaurant_scams_in_istanbul_tr/
collected_at: 2026-02-12T00:05:12.358966+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qcapay", "score": 75, "num_comments": 28, "created_utc": 1768356348.0, "selftext": "NEVER! Follow a stranger after a small talk to any of the places near Taksim Square. Speaking from my own experience. At first these dudes will seem super nice and genuine, but once you get into the bar, 2 beers and a cup of peanuts will end up costing you like $300. If you refuse to pay, a big dude shows up who tries to intimidate you into paying. I have read stories from news articles online about tourists getting actually beaten and mugged if they tried to escape. It\u2019s not just an utter scam,", "sort": "top", "upvote_ratio": 0.9, "author": "Existential_Dread_08"}

selftext:
NEVER! Follow a stranger after a small talk to any of the places near Taksim Square. Speaking from my own experience. At first these dudes will seem super nice and genuine, but once you get into the bar, 2 beers and a cup of peanuts will end up costing you like $300. If you refuse to pay, a big dude shows up who tries to intimidate you into paying. I have read stories from news articles online about tourists getting actually beaten and mugged if they tried to escape. It’s not just an utter scam,


topic_name: [Meta] Remove the "unfortunately" from the post removal message
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pb45fx/meta_remove_the_unfortunately_from_the_post/
collected_at: 2026-02-12T00:05:17.889862+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1pb45fx", "score": 122, "num_comments": 30, "created_utc": 1764565790.0, "selftext": "This is the pettiest of pet peeves, but I think that the word \"Unfortunately\" should be removed from the post removal message sent by the Mod Team's account. Using the term \"unfortunately\" makes rule-breaking posts seem more acceptable. Getting a rule-breaking post removed isn't unfortunate.\n\nInstead, the message should just start with \"Your submission has been removed for the following reason:\".", "sort": "hot", "upvote_ratio": 0.64, "author": "iamtheduckie"}

selftext:
This is the pettiest of pet peeves, but I think that the word "Unfortunately" should be removed from the post removal message sent by the Mod Team's account. Using the term "unfortunately" makes rule-breaking posts seem more acceptable. Getting a rule-breaking post removed isn't unfortunate.

Instead, the message should just start with "Your submission has been removed for the following reason:".


topic_name: MLM‘s and coffee or apples and pears
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qvwvuv/mlms_and_coffee_or_apples_and_pears/
collected_at: 2026-02-12T00:05:26.020584+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qvwvuv", "score": 174, "num_comments": 56, "created_utc": 1770230392.0, "selftext": "This comparison is so silly!!!! I can drink as much coffee as I want for the rest of my life but you can only recruit so many and when you make it to 30 levels, you would exceed the worlds population", "sort": "hot", "upvote_ratio": 0.98, "author": "Timely-Amount-4161"}

selftext:
This comparison is so silly!!!! I can drink as much coffee as I want for the rest of my life but you can only recruit so many and when you make it to 30 levels, you would exceed the worlds population


topic_name: My brother back into (demolished) my garage door. Like, the door is halfway in my garage.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1y23a/my_brother_back_into_demolished_my_garage_door/
collected_at: 2026-02-12T00:05:44.256748+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1y23a", "score": 0, "num_comments": 10, "created_utc": 1770818227.0, "selftext": "I\u2019m in CA. He was in my Ford F250 diesel. Not a small truck. He slammed into my garage door in reverse. Like power launched. I don\u2019t know what he was doing or thinking. Please don\u2019t ask that, everyone is and I don\u2019t have an answer, it\u2019s exhausting.\n\nI was at work and he was using my truck, \u201chelping out\u201d watching my kids while I was at work, because my provider took half the day off. He had to take my truck to go get my mom from work, she\u2019s 70 and works at Wal mart. He lives with her and drives h", "sort": "hot", "upvote_ratio": 0.13, "author": "Substantial-Low-186"}

selftext:
I’m in CA. He was in my Ford F250 diesel. Not a small truck. He slammed into my garage door in reverse. Like power launched. I don’t know what he was doing or thinking. Please don’t ask that, everyone is and I don’t have an answer, it’s exhausting.

I was at work and he was using my truck, “helping out” watching my kids while I was at work, because my provider took half the day off. He had to take my truck to go get my mom from work, she’s 70 and works at Wal mart. He lives with her and drives h


topic_name: Car insurance at 18, no parents
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qptsst/car_insurance_at_18_no_parents/
collected_at: 2026-02-12T00:05:47.658447+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qptsst", "score": 12, "num_comments": 30, "created_utc": 1769648067.0, "selftext": "I have no parents and no adults who can help me in this situation, genuinely zero options. Im getting a car next month because uber is eating up my entire paycheck and I have to pay rent, I'm getting insurance quotes and everything is extremely expensive especially because I\u2019m a young driver and I just got my license. I took defensive driving lessons and did everything to try and lower rates. I genuinely don\u2019t know what to do, I need a car and I need insurance but there\u2019s no way I can pay this, ", "sort": "top", "upvote_ratio": 0.88, "author": "KeyAcanthisitta9393"}

selftext:
I have no parents and no adults who can help me in this situation, genuinely zero options. Im getting a car next month because uber is eating up my entire paycheck and I have to pay rent, I'm getting insurance quotes and everything is extremely expensive especially because I’m a young driver and I just got my license. I took defensive driving lessons and did everything to try and lower rates. I genuinely don’t know what to do, I need a car and I need insurance but there’s no way I can pay this, 


topic_name: Musescore - enrolling in subscription for purchase of sheet music
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366414+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1n3k8uv/musescore_enrolling_in_subscription_for_purchase/

metadata:
{"subreddit": "darkpatterns", "post_id": "1n3k8uv", "score": 30, "num_comments": 3, "created_utc": 1756504035.0, "selftext": "The first page has only a single price and says \"first purchase discount\". The second page lists the same price but a original original crossed out gray price of \"11.99\" and a toggle button that is on by default with grey text underneath about a subscription (3 months!).\n\nGot caught in this (first time for me).", "sort": "hot", "upvote_ratio": 1.0, "author": "greencardorvisa"}

selftext:
The first page has only a single price and says "first purchase discount". The second page lists the same price but a original original crossed out gray price of "11.99" and a toggle button that is on by default with grey text underneath about a subscription (3 months!).

Got caught in this (first time for me).


topic_name: What good rust removal for car rotor and brakes??
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxxzbl/what_good_rust_removal_for_car_rotor_and_brakes/
collected_at: 2026-02-12T00:06:01.657019+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qxxzbl", "score": 0, "num_comments": 7, "created_utc": 1770421618.0, "selftext": "Let me know  what I\u2019m looking for a rust removal for my rotors for my car and brakes so they can be shiny and not rusty anymore cheapest option please let me know Guys. I saw couple online but they but pricey at Amazon so wanted to know your secret frugal methods to insure I buy the best bang for my bucks so can save as much as possible.let me guy guys thanks for the advice I was considering ", "sort": "hot", "upvote_ratio": 0.44, "author": "Kindly_Class_7338"}

selftext:
Let me know  what I’m looking for a rust removal for my rotors for my car and brakes so they can be shiny and not rusty anymore cheapest option please let me know Guys. I saw couple online but they but pricey at Amazon so wanted to know your secret frugal methods to insure I buy the best bang for my bucks so can save as much as possible.let me guy guys thanks for the advice I was considering 


topic_name: What’s one small habit that helped you save money without feeling miserable?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qrz9js/whats_one_small_habit_that_helped_you_save_money/
collected_at: 2026-02-12T00:06:05.044593+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qrz9js", "score": 287, "num_comments": 330, "created_utc": 1769856498.0, "selftext": "Not talking about extreme budgeting, cutting out everything enjoyable, or living on the bare minimum. I\u2019m more interested in small, realistic habits that actually stuck over time and made a noticeable difference.\n\nThings like changes in shopping behavior, subscriptions, food choices, travel habits, or daily routines. The kind of adjustments that don\u2019t make life miserable but slowly improve your finances in a sustainable way.\n\nCurious to hear what worked for people in real life, not just in theor", "sort": "top", "upvote_ratio": 0.94, "author": "FormerShoulder707"}

selftext:
Not talking about extreme budgeting, cutting out everything enjoyable, or living on the bare minimum. I’m more interested in small, realistic habits that actually stuck over time and made a noticeable difference.

Things like changes in shopping behavior, subscriptions, food choices, travel habits, or daily routines. The kind of adjustments that don’t make life miserable but slowly improve your finances in a sustainable way.

Curious to hear what worked for people in real life, not just in theor


topic_name: Somewhat new to credit cards... want to keep it simple ish
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r20kz7/somewhat_new_to_credit_cards_want_to_keep_it/
collected_at: 2026-02-12T00:06:10.587978+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r20kz7", "score": 1, "num_comments": 5, "created_utc": 1770824193.0, "selftext": "I have had credit cards in the past for the sake of building credit (my parents just gave me cards(barklay/chase) to use under my name/account), but never really thought much about \"optimizing\" a set up. Now that Im a young adult (F 24 years old, out of school, own a house), Im wanting to make my own decisions about the ideal card set up for me and my fianc\u00e9. He has cards, but for simplicity sake lets pretend we are starting over with our card choices. We both have 780+ credit scores with long l", "sort": "hot", "upvote_ratio": 0.67, "author": "SilentMaterial6067"}

selftext:
I have had credit cards in the past for the sake of building credit (my parents just gave me cards(barklay/chase) to use under my name/account), but never really thought much about "optimizing" a set up. Now that Im a young adult (F 24 years old, out of school, own a house), Im wanting to make my own decisions about the ideal card set up for me and my fiancé. He has cards, but for simplicity sake lets pretend we are starting over with our card choices. We both have 780+ credit scores with long l


topic_name: Pursuing debtor whose evading payment demands
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2bdj6/pursuing_debtor_whose_evading_payment_demands/
collected_at: 2026-02-12T00:06:18.920958+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2bdj6", "score": 1, "num_comments": 0, "created_utc": 1770847953.0, "selftext": "Location: Georgia\n\nTo preface I am not asking for definitive \"next steps\", I am mainly curious about some questions that I've had.\n\nI am currently in the arduous process of trying to collect repayment from our \"first\" wedding photographer for breach of contract. This past August, I had my small claims hearing remotely with the Brazoria County, Texas court and after providing my evidence, listing damages, and justification for the case - the judge awarded the case in my favor and provided me with", "sort": "hot", "upvote_ratio": 1.0, "author": "chimera765"}

selftext:
Location: Georgia

To preface I am not asking for definitive "next steps", I am mainly curious about some questions that I've had.

I am currently in the arduous process of trying to collect repayment from our "first" wedding photographer for breach of contract. This past August, I had my small claims hearing remotely with the Brazoria County, Texas court and after providing my evidence, listing damages, and justification for the case - the judge awarded the case in my favor and provided me with


topic_name: Car dealership never submitted paperwork to the bank and refuses to allow us to return the car
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qlrzuo/car_dealership_never_submitted_paperwork_to_the/
collected_at: 2026-02-12T00:06:22.356632+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qlrzuo", "score": 690, "num_comments": 103, "created_utc": 1769273410.0, "selftext": "Location: CT\n\nMy partner and I cosigned on a used car. After never receiving our first bill with the bank, we called the dealership and were told that the paperwork was never submitted. We've decided we do not want to resign and would like to return the vehicle and get our money back minus whatever fees (mileage, detailing, etc.) The GM of the dealership is now telling us that we have no choice but to come and resign new paperwork because we've already signed previously on a contract that was no", "sort": "top", "upvote_ratio": 0.97, "author": "OneIfByHerm"}

selftext:
Location: CT

My partner and I cosigned on a used car. After never receiving our first bill with the bank, we called the dealership and were told that the paperwork was never submitted. We've decided we do not want to resign and would like to return the vehicle and get our money back minus whatever fees (mileage, detailing, etc.) The GM of the dealership is now telling us that we have no choice but to come and resign new paperwork because we've already signed previously on a contract that was no


topic_name: LPT: Turn off your breaker in a power outage
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qs17ti/lpt_turn_off_your_breaker_in_a_power_outage/
collected_at: 2026-02-12T00:06:28.286143+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qs17ti", "score": 1178, "num_comments": 114, "created_utc": 1769862851.0, "selftext": "We\u2019re currently going through the aftermath of an ice storm, and it reminded me of a tip.\n\nWhen crews are working on power lines, it\u2019s common for electricity to flicker and surge.  Those surges can fry appliances and electronics. If you flip off your breakers while the powers out, you protect everything in your house.\n\nI usually leave one on for some lights, so I\u2019ll know when it comes back on.  We were down for 4 days this time, so I opted to leave the Ring base station open so it could alert me", "sort": "hot", "upvote_ratio": 0.91, "author": "studiokgm"}

selftext:
We’re currently going through the aftermath of an ice storm, and it reminded me of a tip.

When crews are working on power lines, it’s common for electricity to flicker and surge.  Those surges can fry appliances and electronics. If you flip off your breakers while the powers out, you protect everything in your house.

I usually leave one on for some lights, so I’ll know when it comes back on.  We were down for 4 days this time, so I opted to leave the Ring base station open so it could alert me


topic_name: LPT: Load those Visa gift cards onto Amazon to use the full balance
source: reddit
region: global
collected_at: 2026-02-12T00:06:31.302165+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qje5vo/lpt_load_those_visa_gift_cards_onto_amazon_to_use/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qje5vo", "score": 1731, "num_comments": 96, "created_utc": 1769038513.0, "selftext": "I\u2019m sure many of us have had Visa gift cards with a couple of bucks left on them and nowhere to spend them. What I started to do is load them onto Amazon using their Gift Card Balance Reload. \n\nJust look up your balance using the website or phone number on the back of the card and load your Amazon balance. One thing to keep in mind is that there\u2019s a $5 minimum load, but outside of that you can load any exact amount onto Amazon, down to the penny. \n\nDon\u2019t let these GC companies keep your money!", "sort": "top", "upvote_ratio": 0.93, "author": "brainwashed_baguette"}

selftext:
I’m sure many of us have had Visa gift cards with a couple of bucks left on them and nowhere to spend them. What I started to do is load them onto Amazon using their Gift Card Balance Reload. 

Just look up your balance using the website or phone number on the back of the card and load your Amazon balance. One thing to keep in mind is that there’s a $5 minimum load, but outside of that you can load any exact amount onto Amazon, down to the penny. 

Don’t let these GC companies keep your money!


topic_name: Looking for a totepack (backpack/tote bag hybrid) for work/every day and travel
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0wbgn/looking_for_a_totepack_backpacktote_bag_hybrid/
collected_at: 2026-02-12T00:06:36.789764+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0wbgn", "score": 1, "num_comments": 13, "created_utc": 1770715882.0, "selftext": "Basically, what it says in the title - I\u2019m looking for a bag that can be used both as a backpack and a tote bag. It should be big enough to hold a laptop, or at the very least an iPad, and I\u2019d like to be able to use it as carry on  when backpacking (so I can carry it as a tote when I\u2019ve got my travel backpack on, and then a back pack during the day).\n\nIn terms of aesthetic I\u2019m leaning towards something plain black, but I can accessorize with pins and stuff like that. I want it to be \u2018professiona", "sort": "hot", "upvote_ratio": 0.56, "author": "k1rra"}

selftext:
Basically, what it says in the title - I’m looking for a bag that can be used both as a backpack and a tote bag. It should be big enough to hold a laptop, or at the very least an iPad, and I’d like to be able to use it as carry on  when backpacking (so I can carry it as a tote when I’ve got my travel backpack on, and then a back pack during the day).

In terms of aesthetic I’m leaning towards something plain black, but I can accessorize with pins and stuff like that. I want it to be ‘professiona


topic_name: One of the best products of ever bought.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qscr38/one_of_the_best_products_of_ever_bought/
collected_at: 2026-02-12T00:06:40.492391+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qscr38", "score": 458, "num_comments": 201, "created_utc": 1769890032.0, "selftext": "Bose Bluetooth headphones. I\u2019m not sure how old they are, I know they are at least 10 yrs. old maybe close to 15. Don\u2019t know what model they are because I threw away the packaging a long time ago. I do know they are one of the toughest products I\u2019ve ever bought. Don\u2019t know if the new models hold up. The battery lasts forever without a charge. In fact, i picked them up today after not using them for about 3 months and the battery was at 75%.  I doubt they were even charged to 100% the last time i", "sort": "top", "upvote_ratio": 0.8, "author": "cromagnonherder"}

selftext:
Bose Bluetooth headphones. I’m not sure how old they are, I know they are at least 10 yrs. old maybe close to 15. Don’t know what model they are because I threw away the packaging a long time ago. I do know they are one of the toughest products I’ve ever bought. Don’t know if the new models hold up. The battery lasts forever without a charge. In fact, i picked them up today after not using them for about 3 months and the battery was at 75%.  I doubt they were even charged to 100% the last time i


topic_name: MK 1v1 With a Respectful Favela Warning ⚠️😈🫡🇧🇷 #streetball #basketball
source: youtube
region: US
url: https://youtube.com/watch?v=lH-r2IgkCdc
collected_at: 2026-02-12T00:04:30.766282
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "lH-r2IgkCdc", "channel": "Matt Kiatipis", "category": "Sports", "category_id": 17, "views": "4486969", "view_count": 4486969, "likes": "144125", "published_at": "2026-02-08T01:13:51Z"}


topic_name: Trump Attacks Bad Bunny’s Super Bowl Performance & Reposts Vile and Racist Video of the Obamas
source: youtube
region: CA
url: https://youtube.com/watch?v=4dMtgh74c4Y
collected_at: 2026-02-12T00:04:31.506126
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "4dMtgh74c4Y", "channel": "Jimmy Kimmel Live", "category": "Entertainment", "category_id": 24, "views": "5006158", "view_count": 5006158, "likes": "155856", "published_at": "2026-02-10T05:10:31Z"}


topic_name: Tax refunds and deposit bonuses.
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r26hws/tax_refunds_and_deposit_bonuses/
collected_at: 2026-02-12T00:04:41.815003+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r26hws", "score": 0, "num_comments": 3, "created_utc": 1770836994.0, "selftext": "Do tax direct deposits count towards the new customer bonuses some places offer? Like, \"Deposit 600$ in the first 30days and get 150$\" and if so where would be my best bet to capitalize on something like that?", "sort": "hot", "upvote_ratio": 0.4, "author": "thydoctoh"}

selftext:
Do tax direct deposits count towards the new customer bonuses some places offer? Like, "Deposit 600$ in the first 30days and get 150$" and if so where would be my best bet to capitalize on something like that?


topic_name: Checking and savings wiped + credit card info used
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418283+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qbm1rr/checking_and_savings_wiped_credit_card_info_used/

metadata:
{"subreddit": "personalfinance", "post_id": "1qbm1rr", "score": 274, "num_comments": 39, "created_utc": 1768292953.0, "selftext": "About 3 weeks ago someone used an ATM local to me to drain my savings and checking. I called Chase bank to dispute it, went into the branch where it was taken from, filed a police report, and had the police subpoena the camera footage (the police have not called me back) Chase cancelled the card and said they would send a new one. I was given back the money from my checking from Chase but not the savings. The next morning the money Chase had replaced was taken from another local ATM before I eve", "sort": "top", "upvote_ratio": 0.89, "author": "Agreeable_Step_9934"}

selftext:
About 3 weeks ago someone used an ATM local to me to drain my savings and checking. I called Chase bank to dispute it, went into the branch where it was taken from, filed a police report, and had the police subpoena the camera footage (the police have not called me back) Chase cancelled the card and said they would send a new one. I was given back the money from my checking from Chase but not the savings. The next morning the money Chase had replaced was taken from another local ATM before I eve


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r08she/looking_at_buying_a_used_vw_id4_2022_there_are_a/
collected_at: 2026-02-12T00:04:50.635823+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
Looking at buying a used VW id4 2022. There are a few way out of state that ship cheap, is it generally safe to ship? Like if it’s a turd in person is there any protection on my end?

metadata:
{"subreddit": "askcarsales", "post_id": "1r08she", "score": 2, "num_comments": 5, "created_utc": 1770654532.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "ItNotNotNotMe"}


topic_name: UPDATE: Happy Ending
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qjabff/update_happy_ending/
collected_at: 2026-02-12T00:04:53.860407+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qjabff", "score": 17, "num_comments": 17, "created_utc": 1769029697.0, "selftext": "", "sort": "top", "upvote_ratio": 0.87, "author": "LizardLoon"}


topic_name: Do same-day emergency loans actually work like they say?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0y1wj/do_sameday_emergency_loans_actually_work_like/
collected_at: 2026-02-12T00:04:59.457595+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r0y1wj", "score": 12, "num_comments": 10, "created_utc": 1770722186.0, "selftext": "Just trying to figure out if these are a viable option in a real pinch because I've been seeing emergency loans that promise you can get approved and have cash the same day even if your credit isn't great but it sounds almost too good to be true. Anybody here who had one of these? How did it go? Did you actually get it the same day? Or was there a catch?\n\nWhat kind of repayment terms they usually have? What are the biggest warning signs in the fine print?", "sort": "hot", "upvote_ratio": 0.8, "author": "TeenAgduyeng"}

selftext:
Just trying to figure out if these are a viable option in a real pinch because I've been seeing emergency loans that promise you can get approved and have cash the same day even if your credit isn't great but it sounds almost too good to be true. Anybody here who had one of these? How did it go? Did you actually get it the same day? Or was there a catch?

What kind of repayment terms they usually have? What are the biggest warning signs in the fine print?


topic_name: Need a night out? Here’s a list of all the meal deals at chain, sit-down restaurants for cheap
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qc7twi/need_a_night_out_heres_a_list_of_all_the_meal/
collected_at: 2026-02-12T00:05:03.489318+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qc7twi", "score": 727, "num_comments": 99, "created_utc": 1768348853.0, "selftext": "\n\nMy husband and I love eating out but with rising food costs, it's getting tough to do, so for our sanity (and hopefully yours) I've put together everywhere with meal deals (at sit down places) that help keep eating out costs low. Let me know if I miss any - what are your favorite deals?\n\nA few general tips:\n\n1.\t\u2060This is likely not be an exhaustive list.\n2.\t\u2060\"Good\" meal deals in my opinion are about $15 or less per person. This may not be the same for everyone.\n3.\t\u2060Happy hours are not included ", "sort": "top", "upvote_ratio": 0.96, "author": "VanSmashh"}

selftext:
My husband and I love eating out but with rising food costs, it's getting tough to do, so for our sanity (and hopefully yours) I've put together everywhere with meal deals (at sit down places) that help keep eating out costs low. Let me know if I miss any - what are your favorite deals?

A few general tips:

1.	⁠This is likely not be an exhaustive list.
2.	⁠"Good" meal deals in my opinion are about $15 or less per person. This may not be the same for everyone.
3.	⁠Happy hours are not included 


topic_name: Possible Discord Scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r13i1w/possible_discord_scam/
collected_at: 2026-02-12T00:05:08.886799+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r13i1w", "score": 3, "num_comments": 27, "created_utc": 1770736680.0, "selftext": "I got a friend request from someone I don\u2019t believe I have encountered before. I don\u2019t share any mutual servers with them, and neither do I recognize their name (picture 1). They asked me if I am still playing CookieRun: Kingdom (which I was), so I said yes. They told me they wanted me to download Goddess Connect so I can get in-game benefits (picture 2).\n\nI then did a little bit of research on the game. Checking the reviews wasn\u2019t mostly alarming, so I checked this subreddit if anyone had exper", "sort": "hot", "upvote_ratio": 0.56, "author": "monikalova"}

selftext:
I got a friend request from someone I don’t believe I have encountered before. I don’t share any mutual servers with them, and neither do I recognize their name (picture 1). They asked me if I am still playing CookieRun: Kingdom (which I was), so I said yes. They told me they wanted me to download Goddess Connect so I can get in-game benefits (picture 2).

I then did a little bit of research on the game. Checking the reviews wasn’t mostly alarming, so I checked this subreddit if anyone had exper


topic_name: [US]$8000 gone in crypto scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qsg7em/us8000_gone_in_crypto_scam/
collected_at: 2026-02-12T00:05:12.358971+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qsg7em", "score": 72, "num_comments": 41, "created_utc": 1769898139.0, "selftext": "Not me but my buddy just sent away 8k worth of crypto thru a 3rd party app called \"onchain\" after reciving a phone call from an number that automatically showed up as \"google\" on his phone. They said somebody was trying to steal his account and he needed to transfer his funds to onchain quickly. I heard him on the phone so I paused the movie we were watching and went back to what i was doing. Another friend walked back in the room and asked why i paused the movie, i said it was because drew was ", "sort": "top", "upvote_ratio": 0.9, "author": "Natedog2400"}

selftext:
Not me but my buddy just sent away 8k worth of crypto thru a 3rd party app called "onchain" after reciving a phone call from an number that automatically showed up as "google" on his phone. They said somebody was trying to steal his account and he needed to transfer his funds to onchain quickly. I heard him on the phone so I paused the movie we were watching and went back to what i was doing. Another friend walked back in the room and asked why i paused the movie, i said it was because drew was 


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889865+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
I have to agree to allow Macy's photo contractor to sell my private information in order to download photos I already paid $50 for

url:
https://reddit.com/r/assholedesign/comments/1p9sdzp/i_have_to_agree_to_allow_macys_photo_contractor/

metadata:
{"subreddit": "assholedesign", "post_id": "1p9sdzp", "score": 1830, "num_comments": 37, "created_utc": 1764431970.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "chiboulevards"}


topic_name: Saying the quiet part out loud. People lie, and MLM huns &amp; buns are pathological.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qw29mt/saying_the_quiet_part_out_loud_people_lie_and_mlm/
collected_at: 2026-02-12T00:05:26.020588+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qw29mt", "score": 41, "num_comments": 12, "created_utc": 1770242040.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.96, "author": "Willing_Chemical1257"}


topic_name: Economical insurance Canada 🇨🇦
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1n484/economical_insurance_canada/
collected_at: 2026-02-12T00:05:44.256752+00:00
autocomplete: []
selftext: Hi guys do anyone knows about Economical insurance canada? Is it a good insurance ?
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1n484", "score": 1, "num_comments": 0, "created_utc": 1770782616.0, "selftext": "Hi guys do anyone knows about Economical insurance canada? Is it a good insurance ? ", "sort": "hot", "upvote_ratio": 1.0, "author": "EaseKey164"}


topic_name: Subrogation
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qeevtc/subrogation/
collected_at: 2026-02-12T00:05:47.658451+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qeevtc", "score": 11, "num_comments": 23, "created_utc": 1768567176.0, "selftext": "Hi, I was rear ended and I just found out that  the person that rear ended me didn\u2019t have coverage. I\u2019m going through my insurance to settle the portion of my vehicle which was a total loss. Once I get paid for my repairs, my adjuster will file a subrogation claim. Can they go after her even though she didn\u2019t have insurance? Will I get my deductible back and my rental car reimbursement? I also did some deep research on this person and found out her and her husband have some sort of vehicle tag r", "sort": "top", "upvote_ratio": 1.0, "author": "Fun-Jaguar5879"}

selftext:
Hi, I was rear ended and I just found out that  the person that rear ended me didn’t have coverage. I’m going through my insurance to settle the portion of my vehicle which was a total loss. Once I get paid for my repairs, my adjuster will file a subrogation claim. Can they go after her even though she didn’t have insurance? Will I get my deductible back and my rental car reimbursement? I also did some deep research on this person and found out her and her husband have some sort of vehicle tag r


topic_name: A real 'unsubscribe' set of options. Are you exhausted yet?
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1n1vnum/a_real_unsubscribe_set_of_options_are_you/
collected_at: 2026-02-12T00:05:53.366417+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1n1vnum", "score": 46, "num_comments": 0, "created_utc": 1756334791.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.96, "author": "Disco425"}


topic_name: Just say no to these things. My list. Share yours
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qyg50x/just_say_no_to_these_things_my_list_share_yours/
collected_at: 2026-02-12T00:06:01.657022+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qyg50x", "score": 0, "num_comments": 57, "created_utc": 1770476860.0, "selftext": "Housekeepers \n\nLawn maintenance \n\nMandatory guys or girls nights out\n\nExpensive vacations\n\nTheme parks\n\nCollecting things\n\nAny food delivery \n\nChasing home upgrades \n\nTaking out a HELOC\n\nExpensive cars to impress others \n\nExpensive clothes \n\nCollege loans that are unsustainable \n\nPaying for experiences \n\nBuying organic food\n\nNot investing\n\nNot saving\n\nCar loans past 36 months\n\nHome loans past 15\n\nGolfing \n\nPersonal trainers\n\nHookers \n\nAirplanes (I am guilty of this one)", "sort": "hot", "upvote_ratio": 0.24, "author": "yodamastertampa"}

selftext:
Housekeepers 

Lawn maintenance 

Mandatory guys or girls nights out

Expensive vacations

Theme parks

Collecting things

Any food delivery 

Chasing home upgrades 

Taking out a HELOC

Expensive cars to impress others 

Expensive clothes 

College loans that are unsustainable 

Paying for experiences 

Buying organic food

Not investing

Not saving

Car loans past 36 months

Home loans past 15

Golfing 

Personal trainers

Hookers 

Airplanes (I am guilty of this one)


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qpcher/what_are_things_you_will_never_buy_secondhand/
collected_at: 2026-02-12T00:06:05.044597+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
What are things you will never buy second-hand even though it is much cheaper then to buy a new one?

metadata:
{"subreddit": "Frugal", "post_id": "1qpcher", "score": 280, "num_comments": 518, "created_utc": 1769609690.0, "selftext": "I am interested to hear other frugal people. What are things you will never buy second-hand even though it is much cheaper then to buy a new one? \n\nI personally never buy expensive electronic, such as phones, PCs etc, direct from people - if it break in one month after, I have nowhere to go. However I do buy cheap electronic (under 100 Euros). For example I plan to buy a screen for my PC and a printer.  ", "sort": "top", "upvote_ratio": 0.9, "author": "Envy_Clarissa"}

selftext:
I am interested to hear other frugal people. What are things you will never buy second-hand even though it is much cheaper then to buy a new one? 

I personally never buy expensive electronic, such as phones, PCs etc, direct from people - if it break in one month after, I have nowhere to go. However I do buy cheap electronic (under 100 Euros). For example I plan to buy a screen for my PC and a printer.  


topic_name: Citi strata premier &amp; travel protection
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1v7re/citi_strata_premier_travel_protection/
collected_at: 2026-02-12T00:06:10.587983+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1v7re", "score": 2, "num_comments": 5, "created_utc": 1770810340.0, "selftext": "I have common carrier trip cancellation &amp; trip interruption for flights with Citi strata premier CC, MASTERCARD. I often book one way tickets to and from my destination-instead of round trip. Sometimes Its a lot cheaper to arrive a a different airport &amp; then leaving to go back home from another airport. With this being said, would I still be covered for protection if I booked two one way tickets? The original departure would be the same airport as the back home airport. \n\nFor example. Pu", "sort": "hot", "upvote_ratio": 1.0, "author": "FastVideo9700"}

selftext:
I have common carrier trip cancellation &amp; trip interruption for flights with Citi strata premier CC, MASTERCARD. I often book one way tickets to and from my destination-instead of round trip. Sometimes Its a lot cheaper to arrive a a different airport &amp; then leaving to go back home from another airport. With this being said, would I still be covered for protection if I booked two one way tickets? The original departure would be the same airport as the back home airport. 

For example. Pu


topic_name: Chime Closed My Account Minutes After Filing A Dispute
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qhdkbj/chime_closed_my_account_minutes_after_filing_a/
collected_at: 2026-02-12T00:06:13.782173+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qhdkbj", "score": 87, "num_comments": 27, "created_utc": 1768849911.0, "selftext": "So chime closed my account minutes after filing a dispute over the phone where the agent confirmed that the purchases were made in a different location. I have uploaded a police report, location services, etc. 20 different pieces of evidence. I filed a complaint with the BBB &amp; the CPFB as well. What is the next step I can take? Because this is ridiculous. I also just found out that they delete everything in their subreddit that calls them out because I made the same post there and they remov", "sort": "top", "upvote_ratio": 0.89, "author": "Dangerous-Crazy4706"}

selftext:
So chime closed my account minutes after filing a dispute over the phone where the agent confirmed that the purchases were made in a different location. I have uploaded a police report, location services, etc. 20 different pieces of evidence. I filed a complaint with the BBB &amp; the CPFB as well. What is the next step I can take? Because this is ridiculous. I also just found out that they delete everything in their subreddit that calls them out because I made the same post there and they remov


topic_name: Dad, Private Broker, Passed Away. How to Handle His Book of Business
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2b6oy/dad_private_broker_passed_away_how_to_handle_his/
collected_at: 2026-02-12T00:06:18.920962+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2b6oy", "score": 1, "num_comments": 2, "created_utc": 1770847512.0, "selftext": "1. Do I need a lawyer?\n\n2. What kind of lawyer do I need?\n\n\n\nContext:\n\nDad was a private broker who just abruptly passed away. A man he split some business with in the last few years has started trying to collect dad\u2019s book of business and the potential clients he was working before passing. The man and mom have stated dad would let him have his business if anything happened to dad but nothing is in writing (no will). Am I wrong to think the man should at least pay for the book of business? Are ", "sort": "hot", "upvote_ratio": 1.0, "author": "joe7L"}

selftext:
1. Do I need a lawyer?

2. What kind of lawyer do I need?



Context:

Dad was a private broker who just abruptly passed away. A man he split some business with in the last few years has started trying to collect dad’s book of business and the potential clients he was working before passing. The man and mom have stated dad would let him have his business if anything happened to dad but nothing is in writing (no will). Am I wrong to think the man should at least pay for the book of business? Are 


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qrn7y7/lpt_after_a_bad_break_up_do_10_things_that_your/
collected_at: 2026-02-12T00:06:28.286147+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: After a bad break up, do 10 things that your ex would never do with you. You'll feel better and realize how much of yourself was being held back.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qrn7y7", "score": 9693, "num_comments": 224, "created_utc": 1769819356.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.97, "author": "Mean_Negotiation_157"}


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qc7g4t/lpt_for_every_project_keep_a_simple_stakeholder/
collected_at: 2026-02-12T00:06:31.302169+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: For every project, keep a simple stakeholder note: what each person cares about, how they measure success, and how they want updates.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qc7g4t", "score": 1681, "num_comments": 23, "created_utc": 1768347895.0, "selftext": "For every project, I keep one small note for the key people involved. It saves me from avoidable conflict and last minute surprises.\n\nFor each person, I write three lines.\n\n1. What they care about most\n2. How they measure success\n3. How they want updates and how often\n\nExample: \n\nMy client cared most about sales and wanted a short weekly summary with numbers. \n\nMy designer cared most about clarity and wanted feedback in one message, not five scattered notes. \n\nMy developer cared most about scope", "sort": "top", "upvote_ratio": 0.95, "author": "gamersecret2"}

selftext:
For every project, I keep one small note for the key people involved. It saves me from avoidable conflict and last minute surprises.

For each person, I write three lines.

1. What they care about most
2. How they measure success
3. How they want updates and how often

Example: 

My client cared most about sales and wanted a short weekly summary with numbers. 

My designer cared most about clarity and wanted feedback in one message, not five scattered notes. 

My developer cared most about scope


topic_name: Looking for wool base layer shirts
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r08xto/looking_for_wool_base_layer_shirts/
collected_at: 2026-02-12T00:06:36.789768+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r08xto", "score": 23, "num_comments": 33, "created_utc": 1770654848.0, "selftext": "I was getting ads for Woolx, but their products seem to be a wool-synthetic blend, and I know synthetics greatly shorten the lifespan of clothes. I\u2019ve also had ads for Nui, but haven\u2019t found many comments on their quality. ", "sort": "hot", "upvote_ratio": 0.81, "author": "-eyes_of_argus-"}

selftext:
I was getting ads for Woolx, but their products seem to be a wool-synthetic blend, and I know synthetics greatly shorten the lifespan of clothes. I’ve also had ads for Nui, but haven’t found many comments on their quality. 


topic_name: I'll miss these guys
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qwvmno/ill_miss_these_guys/
collected_at: 2026-02-12T00:06:40.492396+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qwvmno", "score": 432, "num_comments": 55, "created_utc": 1770321195.0, "selftext": "got them as a gift from an ex gf. went on numerous trips, beach days, and everything in-between with my rainbows. but after 7 years I thinks it's time for new ones \ud83e\udd72", "sort": "top", "upvote_ratio": 0.91, "author": "ryanohkay"}

selftext:
got them as a gift from an ex gf. went on numerous trips, beach days, and everything in-between with my rainbows. but after 7 years I thinks it's time for new ones 🥲


source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000127+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
topic_name:
Looking for advice on FIRE-with-kids question: Downsize short-term to go mortgage-free + build rental later?

url:
https://reddit.com/r/financialindependence/comments/1qlz6zv/looking_for_advice_on_firewithkids_question/

metadata:
{"subreddit": "financialindependence", "post_id": "1qlz6zv", "score": 0, "num_comments": 28, "created_utc": 1769289420.0, "selftext": "Looking for perspective from other families pursuing some version of FIRE while raising kids.\n\n**Our situation:**\n\n* Family of 6 (4 kids), plus a dog and 2 indoor cats\n* Currently in a \\~3,000 sq ft house on \\~1 acre\n* Mortgage \u2248\u00a0**$2,500/month**\u00a0(not including ongoing repairs/maintenance)\n* House is time- and money-intensive\n* Would net \\~**$300k**\u00a0if we sell\n\nWe\u2019re in a season where we\u2019d really like to:\n\n* Increase retirement contributions\n* Fund college for 4 kids\n* Travel internationally wit", "sort": "hot", "upvote_ratio": 0.5, "author": "Calm_Gain7108"}

selftext:
Looking for perspective from other families pursuing some version of FIRE while raising kids.

**Our situation:**

* Family of 6 (4 kids), plus a dog and 2 indoor cats
* Currently in a \~3,000 sq ft house on \~1 acre
* Mortgage ≈ **$2,500/month** (not including ongoing repairs/maintenance)
* House is time- and money-intensive
* Would net \~**$300k** if we sell

We’re in a season where we’d really like to:

* Increase retirement contributions
* Fund college for 4 kids
* Travel internationally wit


topic_name: Infinite Beer Bottle - The Carbonaro Effect #shorts
source: youtube
region: US
url: https://youtube.com/watch?v=awiRWR90JUE
collected_at: 2026-02-12T00:04:30.534682
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "awiRWR90JUE", "channel": "Hudson Cuts", "category": "Entertainment", "category_id": 24, "views": "4452310", "view_count": 4452310, "likes": "208976", "published_at": "2026-02-07T15:00:04Z"}


topic_name: I need to get a credit report.
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2c4mj/i_need_to_get_a_credit_report/
collected_at: 2026-02-12T00:04:41.815007+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2c4mj", "score": 0, "num_comments": 14, "created_utc": 1770849684.0, "selftext": "Hey, I need to obtain a credit report for a rental approval and it needs to contain all 3 scores, account history, purchases, payments, and loans. I thought I could get one through MyEquifax but I'm not sure where to go. If not what's the best way to get a credit report cheaply and quickly containing this information. Thanks.", "sort": "hot", "upvote_ratio": 0.25, "author": "5498845609846"}

selftext:
Hey, I need to obtain a credit report for a rental approval and it needs to contain all 3 scores, account history, purchases, payments, and loans. I thought I could get one through MyEquifax but I'm not sure where to go. If not what's the best way to get a credit report cheaply and quickly containing this information. Thanks.


topic_name: 6 times of paying off CC debt and getting back into CC debt again
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418287+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qt2o8o/6_times_of_paying_off_cc_debt_and_getting_back/

metadata:
{"subreddit": "personalfinance", "post_id": "1qt2o8o", "score": 270, "num_comments": 184, "created_utc": 1769962584.0, "selftext": "hello\n\nI\u2019m a 30YO who has her first CC when I was 23 and I maxed it out at 12K with a 24% interest. Took me 1.5 years to finally pay it off and never used it again. After I learned about balance transfers I never paid interests again because would balance transfer all my debts before the interest would accumulate but doing this kept me in a loop of maxing out 1 card and rolling over and going hard on paying it off (paying close to $1000 a month a times) and other times using my savings (done thi", "sort": "top", "upvote_ratio": 0.88, "author": "Abject_Question3845"}

selftext:
hello

I’m a 30YO who has her first CC when I was 23 and I maxed it out at 12K with a 24% interest. Took me 1.5 years to finally pay it off and never used it again. After I learned about balance transfers I never paid interests again because would balance transfer all my debts before the interest would accumulate but doing this kept me in a loop of maxing out 1 card and rolling over and going hard on paying it off (paying close to $1000 a month a times) and other times using my savings (done thi


topic_name: Should I fix 5600 in dent damage before I trade in car I still owe on for a new car?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0cc0l/should_i_fix_5600_in_dent_damage_before_i_trade/
collected_at: 2026-02-12T00:04:50.635827+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0cc0l", "score": 0, "num_comments": 24, "created_utc": 1770662047.0, "selftext": "I hit a trashcan and did 5600 damage to my car in cosmetics. Should I get this fix before I trade in the car? I also owe 20K on the car so I would not be getting anything in trade. It\u2019s a 2020 Ford Explorer ST", "sort": "hot", "upvote_ratio": 0.5, "author": "Professional_Mud_766"}

selftext:
I hit a trashcan and did 5600 damage to my car in cosmetics. Should I get this fix before I trade in the car? I also owe 20K on the car so I would not be getting anything in trade. It’s a 2020 Ford Explorer ST


topic_name: Can you buy a "used" EV in Canada and register it in the US?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qevokc/can_you_buy_a_used_ev_in_canada_and_register_it/
collected_at: 2026-02-12T00:04:53.860412+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qevokc", "score": 16, "num_comments": 35, "created_utc": 1768605545.0, "selftext": "With the new trade deal on Chinese EVs in Canada where the eliminated tariffs, it seems likely that there's going to be a good accessibility to BYD and Xiaomi EVs in Canadian car markets. As someone who has tried out these cars in Asia and Central America, they're far superior than what we've got from the American manufacturers and relatively cheaper for what they offer in comparison.\n\nEven if US has prohibitively high duties on Chinese cars, is it possible to say, have a \"friend\" in Canada buy ", "sort": "top", "upvote_ratio": 0.71, "author": "tirtha2shredder"}

selftext:
With the new trade deal on Chinese EVs in Canada where the eliminated tariffs, it seems likely that there's going to be a good accessibility to BYD and Xiaomi EVs in Canadian car markets. As someone who has tried out these cars in Asia and Central America, they're far superior than what we've got from the American manufacturers and relatively cheaper for what they offer in comparison.

Even if US has prohibitively high duties on Chinese cars, is it possible to say, have a "friend" in Canada buy 


topic_name: is it worth to do a certificate and work before i go back to school?
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457599+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r1b8vp/is_it_worth_to_do_a_certificate_and_work_before_i/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1b8vp", "score": 2, "num_comments": 0, "created_utc": 1770753355.0, "selftext": "i'm a recent high school graduate, and am currently in a gap year. i spent the first half of my gap year preparing my portfolio for an animation school. then, my mom got laid off and i had to quit the art studio i was attending so i cld use the tuition fee to help pay bills instead. i've since postponed (more likely put a halt in) my application - my mom getting laid off is one thing, but also because animation industry is unstable and i don't know if i can handle that. that said, we were lucky ", "sort": "hot", "upvote_ratio": 1.0, "author": "Infamous_Basis2457"}

selftext:
i'm a recent high school graduate, and am currently in a gap year. i spent the first half of my gap year preparing my portfolio for an animation school. then, my mom got laid off and i had to quit the art studio i was attending so i cld use the tuition fee to help pay bills instead. i've since postponed (more likely put a halt in) my application - my mom getting laid off is one thing, but also because animation industry is unstable and i don't know if i can handle that. that said, we were lucky 


topic_name: is this messed up of my mom?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qik9fr/is_this_messed_up_of_my_mom/
collected_at: 2026-02-12T00:05:03.489322+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qik9fr", "score": 705, "num_comments": 193, "created_utc": 1768959185.0, "selftext": "for context, every month i need to pay my mom $1,000, was supposed to be $700 before she decided to change that this year. and now recently, i decided to move out. i didn\u2019t pay her for the monthly of january and when she found out from my dad, the first thing she says to me is even if you move out, you\u2019re still paying $1,000 until you get married. like how is that fair, i don\u2019t really make a lot either and it\u2019s only a contract position until june. her excuse is every chinese family does this, wh", "sort": "top", "upvote_ratio": 0.95, "author": "xxyzxyz"}

selftext:
for context, every month i need to pay my mom $1,000, was supposed to be $700 before she decided to change that this year. and now recently, i decided to move out. i didn’t pay her for the monthly of january and when she found out from my dad, the first thing she says to me is even if you move out, you’re still paying $1,000 until you get married. like how is that fair, i don’t really make a lot either and it’s only a contract position until june. her excuse is every chinese family does this, wh


topic_name: Ups fictitious packages?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1d5u9/ups_fictitious_packages/
collected_at: 2026-02-12T00:05:08.886802+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1d5u9", "score": 1, "num_comments": 5, "created_utc": 1770757510.0, "selftext": "Late Sunday night I bought a 3d printer of ebay (2k).\n\nThe seller has no reviews. \n\n10 minutes after payment a label was created. around 9pm PST\n\nYesterday I get 2 emails from ebay - item has shipped and your item has been refunded. \n\nToday I get an email from ebay  - out for delivery\n\nI checked the UPS tracking and it says delivered. UPS never came (I have cameras)\n\nwhat the heck is going on? Can someone fake a UPS shipment?\n\nI got my refund -$100 (bought allstate protection plan) \n\nHas this ev", "sort": "hot", "upvote_ratio": 0.67, "author": "machine_crasher"}

selftext:
Late Sunday night I bought a 3d printer of ebay (2k).

The seller has no reviews. 

10 minutes after payment a label was created. around 9pm PST

Yesterday I get 2 emails from ebay - item has shipped and your item has been refunded. 

Today I get an email from ebay  - out for delivery

I checked the UPS tracking and it says delivered. UPS never came (I have cameras)

what the heck is going on? Can someone fake a UPS shipment?

I got my refund -$100 (bought allstate protection plan) 

Has this ev


topic_name: (US) My mom and her scammer
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1ql0fi7/us_my_mom_and_her_scammer/
collected_at: 2026-02-12T00:05:12.358975+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1ql0fi7", "score": 73, "num_comments": 34, "created_utc": 1769196600.0, "selftext": "Two years ago, my mom decided to put herself back on the market. She hadn\u2019t been on a date or romantically spoken to someone in 17 1/2 years. I was all for it and I helped her make her profile as well as take pictures for her profile. She was getting a bunch of hits, but eventually settled on this one guy who went by the name Minthuane. \n\nHe advertise himself as a over 6 foot white male that has parents from Thailand. The way that he portrayed himself to her was very alarming to me. But was even", "sort": "top", "upvote_ratio": 0.91, "author": "toeexpress_"}

selftext:
Two years ago, my mom decided to put herself back on the market. She hadn’t been on a date or romantically spoken to someone in 17 1/2 years. I was all for it and I helped her make her profile as well as take pictures for her profile. She was getting a bunch of hits, but eventually settled on this one guy who went by the name Minthuane. 

He advertise himself as a over 6 foot white male that has parents from Thailand. The way that he portrayed himself to her was very alarming to me. But was even


topic_name: Casetify- required survey
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pa45el/casetify_required_survey/
collected_at: 2026-02-12T00:05:17.889868+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1pa45el", "score": 153, "num_comments": 55, "created_utc": 1764461936.0, "selftext": "The only way to get to the order confirmation page, is to fill out this survey. I refuse to participate in surveys if I can help it (unless it benefits a worker) so this annoyed the hell out of me. ", "sort": "hot", "upvote_ratio": 0.87, "author": "Moron_Goron_"}

selftext:
The only way to get to the order confirmation page, is to fill out this survey. I refuse to participate in surveys if I can help it (unless it benefits a worker) so this annoyed the hell out of me. 


topic_name: Is eco shield sales summer job selling pest control a good experience?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qx3753/is_eco_shield_sales_summer_job_selling_pest/
collected_at: 2026-02-12T00:05:26.020591+00:00
autocomplete: []
selftext: Lemme know if anyone has done it
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qx3753", "score": 0, "num_comments": 16, "created_utc": 1770339072.0, "selftext": "Lemme know if anyone has done it ", "sort": "hot", "upvote_ratio": 0.27, "author": "Adventurous_Spare_50"}


topic_name: Is This What ‘No Good Deed Goes Unpunished’ Looks Like
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1n066/is_this_what_no_good_deed_goes_unpunished_looks/
collected_at: 2026-02-12T00:05:44.256756+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1n066", "score": 1, "num_comments": 0, "created_utc": 1770782295.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Ihavebonerbreath"}


topic_name: Made a mistake selecting deductibles
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qwc0ny/made_a_mistake_selecting_deductibles/
collected_at: 2026-02-12T00:05:47.658455+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qwc0ny", "score": 9, "num_comments": 10, "created_utc": 1770267210.0, "selftext": "I just financed a car on Monday. They told me that I had three days to get full coverage insurance on the vehicle . I went ahead and got a plan on Monday, but selected too high of a deductible. I was unaware that I signed something saying that I would not exceed any deductible amount past 500 on comprehensive and collision. After finding said paperwork i immediately adjusted my coverage. GEICO told me that it would take 7 days to be put into effect. How bad did I mess up? Im worried about forced", "sort": "top", "upvote_ratio": 0.85, "author": "herbertsherbert55"}

selftext:
I just financed a car on Monday. They told me that I had three days to get full coverage insurance on the vehicle . I went ahead and got a plan on Monday, but selected too high of a deductible. I was unaware that I signed something saying that I would not exceed any deductible amount past 500 on comprehensive and collision. After finding said paperwork i immediately adjusted my coverage. GEICO told me that it would take 7 days to be put into effect. How bad did I mess up? Im worried about forced


topic_name: [ios] why are my ad categories turning back on after i turn them off?- app ver: 2025.31.1
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1mk7osz/ios_why_are_my_ad_categories_turning_back_on/
collected_at: 2026-02-12T00:05:53.366421+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1mk7osz", "score": 31, "num_comments": 4, "created_utc": 1754590714.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.9, "author": "unlinkedvariable"}


topic_name: Space heater vs central heating for basement, which is cheaper?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxnnlu/space_heater_vs_central_heating_for_basement/
collected_at: 2026-02-12T00:06:01.657026+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qxnnlu", "score": 0, "num_comments": 13, "created_utc": 1770398231.0, "selftext": "Our home has a finished basement which we don't use that often. We really only use one room frequently down there. The house is well insulated and so is the basement. I have a heat pump with gas back up. \n\nI keep the basement temperature set at 60 and it hardly ever heats down there, however it is chilly to be down there. The temp needs to be about 68-70 to actually feel comfortable. Would it be cheaper to run a space heater while we are using the room, or just turn the heat up?\n\nOur electric bi", "sort": "hot", "upvote_ratio": 0.5, "author": "xandrew245x"}

selftext:
Our home has a finished basement which we don't use that often. We really only use one room frequently down there. The house is well insulated and so is the basement. I have a heat pump with gas back up. 

I keep the basement temperature set at 60 and it hardly ever heats down there, however it is chilly to be down there. The temp needs to be about 68-70 to actually feel comfortable. Would it be cheaper to run a space heater while we are using the room, or just turn the heat up?

Our electric bi


topic_name: One of the biggest mistakes non-frugal folks make is turning their brain off while shopping
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qqgvoj/one_of_the_biggest_mistakes_nonfrugal_folks_make/
collected_at: 2026-02-12T00:06:05.044601+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qqgvoj", "score": 273, "num_comments": 106, "created_utc": 1769711662.0, "selftext": "Calculate the cost per ounce of different products. Check prices across multiple stores. Try the cheap/generic versions to see if they work fine. Read the price every time you buy something. \n\nHow hard is that appliance to keep clean? Is the company you hire once per year still getting good reviews? Does that supplement actually do anything? It sure would be nice to know before spending a bunch of money. \n\nI'm amazed by how often people buy things without a single moment of research or self refl", "sort": "top", "upvote_ratio": 0.87, "author": "Ajreil"}

selftext:
Calculate the cost per ounce of different products. Check prices across multiple stores. Try the cheap/generic versions to see if they work fine. Read the price every time you buy something. 

How hard is that appliance to keep clean? Is the company you hire once per year still getting good reviews? Does that supplement actually do anything? It sure would be nice to know before spending a bunch of money. 

I'm amazed by how often people buy things without a single moment of research or self refl


topic_name: Should I wait for a better sign up bonus?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1pxsm/should_i_wait_for_a_better_sign_up_bonus/
collected_at: 2026-02-12T00:06:10.587986+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1pxsm", "score": 5, "num_comments": 6, "created_utc": 1770791423.0, "selftext": "I want to get the Chase Freedom Unlimited card but currently the sign up bonus is $200. I\u2019ve seen other bonuses like $300 or 5x on groceries and gas so is it worth it to wait or should I just get it now. My bank had no in branch offers as well. Already have the CSP so I wanted to get this as a catch all card. ", "sort": "hot", "upvote_ratio": 0.86, "author": "Salt_Vegetable2543"}

selftext:
I want to get the Chase Freedom Unlimited card but currently the sign up bonus is $200. I’ve seen other bonuses like $300 or 5x on groceries and gas so is it worth it to wait or should I just get it now. My bank had no in branch offers as well. Already have the CSP so I wanted to get this as a catch all card. 


topic_name: Now I know I’m not using bilt anymore…
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qcwzoa/now_i_know_im_not_using_bilt_anymore/
collected_at: 2026-02-12T00:06:13.782177+00:00
autocomplete: []
selftext: What credit card will you be using for rent?
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qcwzoa", "score": 85, "num_comments": 101, "created_utc": 1768419302.0, "selftext": "What credit card will you be using for rent?", "sort": "top", "upvote_ratio": 0.85, "author": "Unable-Television-47"}


topic_name: What to do with this $10K?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2522x/what_to_do_with_this_10k/
collected_at: 2026-02-12T00:06:18.920966+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2522x", "score": 2, "num_comments": 0, "created_utc": 1770833910.0, "selftext": "Location: I live in Pennsylvania. Decedent lived in New Jersey.\n\nMy life partner (we were not married) died a decade ago. I was executor and, after three years, the estate was settled. Except for $10K that's still in the checking account I set up for the estate. It was supposed to go to a named beneficiary, but they died before the estate was settled. I tried to give it to their estate, but no one would step up to handle their estate, and they had no assets to probate, so there was no person or ", "sort": "hot", "upvote_ratio": 0.76, "author": "abbaisawesome"}

selftext:
Location: I live in Pennsylvania. Decedent lived in New Jersey.

My life partner (we were not married) died a decade ago. I was executor and, after three years, the estate was settled. Except for $10K that's still in the checking account I set up for the estate. It was supposed to go to a named beneficiary, but they died before the estate was settled. I tried to give it to their estate, but no one would step up to handle their estate, and they had no assets to probate, so there was no person or 


topic_name: I GOT SCAMMED $20,000 by my friend and I don't know what to do
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qhlkao/i_got_scammed_20000_by_my_friend_and_i_dont_know/
collected_at: 2026-02-12T00:06:22.356637+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qhlkao", "score": 673, "num_comments": 249, "created_utc": 1768868033.0, "selftext": "Location: So my childhood friend lives in Seattle and I am in LA. He reached out to me the day after I got out of the hospital and gained my trust. He soon after suggested I invest in his truck business. I used my saved up money to invest $20,000 total in that business. The money was wired to an account he provided. He signed a contract that I created through docu-sign with his personal email promising even if the business fails, he would pay back the $20,000  before the set date. However, after", "sort": "top", "upvote_ratio": 0.92, "author": "Ok_Demand8965"}

selftext:
Location: So my childhood friend lives in Seattle and I am in LA. He reached out to me the day after I got out of the hospital and gained my trust. He soon after suggested I invest in his truck business. I used my saved up money to invest $20,000 total in that business. The money was wired to an account he provided. He signed a contract that I created through docu-sign with his personal email promising even if the business fails, he would pay back the $20,000  before the set date. However, after


topic_name: LPT- When cancelling cable/phone services tell them you're leaving the country.
source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286150+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qrtnxx/lpt_when_cancelling_cablephone_services_tell_them/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qrtnxx", "score": 1127, "num_comments": 100, "created_utc": 1769837126.0, "selftext": "I cancelled AT&amp;T recently. These companies typically require you to call them when cancelling. Then they proceed with multiple \"promotional\" offers, call transfers, etc... \n\nSolution: When you get someone on the phone just tell them you need to cancel and that you're leaving the country. Bonus: They may try to transfer service to the new owner of your home. Simply tell them it was an anonymous buyer. This will save you so much time. Took me 5 minutes. ", "sort": "hot", "upvote_ratio": 0.95, "author": "IOwnedyou"}

selftext:
I cancelled AT&amp;T recently. These companies typically require you to call them when cancelling. Then they proceed with multiple "promotional" offers, call transfers, etc... 

Solution: When you get someone on the phone just tell them you need to cancel and that you're leaving the country. Bonus: They may try to transfer service to the new owner of your home. Simply tell them it was an anonymous buyer. This will save you so much time. Took me 5 minutes. 


topic_name: Best Smart Ceiling Fan? Looking for Recommendations
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789775+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r18w0q/best_smart_ceiling_fan_looking_for_recommendations/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r18w0q", "score": 0, "num_comments": 10, "created_utc": 1770748321.0, "selftext": "Looking to buy a smart ceiling fan and yeah\u2026 the choices are crazy. Every brand says they\u2019re the best, so I trust Reddit more than ads.\n\nWhat are you guys using?  \nNeed something quiet, strong airflow, easy app/Alexa control, and reliable.\n\nIf you\u2019ve got one, drop the model, pros, cons, anything. Real talk only. Appreciate it!! ", "sort": "hot", "upvote_ratio": 0.18, "author": "ParticularSubject411"}

selftext:
Looking to buy a smart ceiling fan and yeah… the choices are crazy. Every brand says they’re the best, so I trust Reddit more than ads.

What are you guys using?  
Need something quiet, strong airflow, easy app/Alexa control, and reliable.

If you’ve got one, drop the model, pros, cons, anything. Real talk only. Appreciate it!! 


topic_name: Vintage stanley. Can anyone Help me date it?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qwdmd7/vintage_stanley_can_anyone_help_me_date_it/
collected_at: 2026-02-12T00:06:40.492401+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qwdmd7", "score": 419, "num_comments": 41, "created_utc": 1770272162.0, "selftext": "I recieved this from a neighbor, and the only stamp I can see on the bottom says 4B. can anyone give me a date of manufacture on this thing? im assuming it's from the 50's or 60's", "sort": "top", "upvote_ratio": 0.94, "author": "r3fisher1982"}

selftext:
I recieved this from a neighbor, and the only stamp I can see on the bottom says 4B. can anyone give me a date of manufacture on this thing? im assuming it's from the 50's or 60's


topic_name: Engagement ring costs? (Dollar amount and % of income)
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000131+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qlzy50/engagement_ring_costs_dollar_amount_and_of_income/

metadata:
{"subreddit": "financialindependence", "post_id": "1qlzy50", "score": 0, "num_comments": 112, "created_utc": 1769291164.0, "selftext": "I\u2019m curious to see what other financially like minded folks spent on their engagement rings. Please comment how much you spent and what percent of your income that was at the time!\n\nI see an engagement ring as an important symbol of our relationship and something worthy of spending money on especially since it\u2019s a one time purchase. At the same time we both value other life goals more and my girlfriend would be pleased with almost any ring I would get. My budget for the ring is $2k and I make ar", "sort": "hot", "upvote_ratio": 0.33, "author": "Midwest_Backpacker"}

selftext:
I’m curious to see what other financially like minded folks spent on their engagement rings. Please comment how much you spent and what percent of your income that was at the time!

I see an engagement ring as an important symbol of our relationship and something worthy of spending money on especially since it’s a one time purchase. At the same time we both value other life goals more and my girlfriend would be pleased with almost any ring I would get. My budget for the ring is $2k and I make ar


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397288+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What is the significance of NASA and SpaceX's collaboration, and how does their partnership impact space exploration?

metadata:
{"original_headline": "NASA And SpaceX Launch Four Astronauts On Wednesday \u2014 How To Watch - Forbes", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Crazy Call Out 😭 #YonnaJay
source: youtube
region: US
url: https://youtube.com/watch?v=0kL4twQEoHM
collected_at: 2026-02-12T00:04:30.534600
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "0kL4twQEoHM", "channel": "yonna jay", "category": "Entertainment", "category_id": 24, "views": "4322830", "view_count": 4322830, "likes": "182115", "published_at": "2026-02-09T17:04:12Z"}


topic_name: Who ate his shrimp#shorts
source: youtube
region: CA
url: https://youtube.com/watch?v=dCFm5dGkVcE
collected_at: 2026-02-12T00:04:31.506209
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "dCFm5dGkVcE", "channel": "ReelCraft ", "category": "Entertainment", "category_id": 24, "views": "4989036", "view_count": 4989036, "likes": "179869", "published_at": "2026-02-06T08:50:23Z"}


source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815011+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Chase Credit: If I pay more than the ISB, does the excess go toward new purchases or active POT plans?

url:
https://reddit.com/r/personalfinance/comments/1r1zre5/chase_credit_if_i_pay_more_than_the_isb_does_the/

metadata:
{"subreddit": "personalfinance", "post_id": "1r1zre5", "score": 2, "num_comments": 4, "created_utc": 1770822310.0, "selftext": "I have a few Pay Over Time plans, and I always pay the Interest Savings Balance.\n\nI would like to make an additional payment this month if it will go toward new purchases. But I suspect it will go toward the active POT plans to increase the chances of accruing interest on this month\u2019s new purchases next month.\n\nDoes anyone know? Thanks!", "sort": "hot", "upvote_ratio": 0.76, "author": "_emerald2010"}

selftext:
I have a few Pay Over Time plans, and I always pay the Interest Savings Balance.

I would like to make an additional payment this month if it will go toward new purchases. But I suspect it will go toward the active POT plans to increase the chances of accruing interest on this month’s new purchases next month.

Does anyone know? Thanks!


topic_name: Just opened a Roth IRA!
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qp4qsv/just_opened_a_roth_ira/
collected_at: 2026-02-12T00:04:45.418291+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qp4qsv", "score": 258, "num_comments": 49, "created_utc": 1769585188.0, "selftext": "Hi all! I recently turned 18 (less than two weeks ago), and my Economics teacher has urged all of us to open a Roth IRA as soon as we could. And so, here I am.\n\nI just opened one under Vanguard, and I put $1,000 into a 2065 target retirement fund thingy. Basically, I was wondering what my next steps should be?\n\nI make about $500 a month from my super part-time job. I was wondering how much I should put towards this target date fund monthly (or even other funds I should consider too, but not sure", "sort": "top", "upvote_ratio": 0.96, "author": "Large_Look_5075"}

selftext:
Hi all! I recently turned 18 (less than two weeks ago), and my Economics teacher has urged all of us to open a Roth IRA as soon as we could. And so, here I am.

I just opened one under Vanguard, and I put $1,000 into a 2065 target retirement fund thingy. Basically, I was wondering what my next steps should be?

I make about $500 a month from my super part-time job. I was wondering how much I should put towards this target date fund monthly (or even other funds I should consider too, but not sure


topic_name: New 26 BMW X7 x40i
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0pip4/new_26_bmw_x7_x40i/
collected_at: 2026-02-12T00:04:50.635830+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0pip4", "score": 0, "num_comments": 30, "created_utc": 1770693272.0, "selftext": "Was at a dealership this weekend in north FL and looked at a 2026 X7 x40i with the M Sport package. MSRP was $102.5k. Sales guy was only willing to drop $1k and came up $1k on trade. He didn\u2019t seem very motivated to sell, so we walked. \n\nWhat is the expectation for deals off MSRP?  Saw in another post 10-15% is not uncommon. \n\nThanks", "sort": "hot", "upvote_ratio": 0.35, "author": "Brad_Koehler"}

selftext:
Was at a dealership this weekend in north FL and looked at a 2026 X7 x40i with the M Sport package. MSRP was $102.5k. Sales guy was only willing to drop $1k and came up $1k on trade. He didn’t seem very motivated to sell, so we walked. 

What is the expectation for deals off MSRP?  Saw in another post 10-15% is not uncommon. 

Thanks


topic_name: Fresh in industry. My dealership doesn't do negotiations
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qdewhy/fresh_in_industry_my_dealership_doesnt_do/
collected_at: 2026-02-12T00:04:53.860417+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qdewhy", "score": 13, "num_comments": 34, "created_utc": 1768468522.0, "selftext": "I'm fresh in the car industry and my dealership doesn't negotiate prices. In a world where customers are still haggling, how do you guys protect your vehicle's prices and still make sales? \n\nI know service is one aspect, and finding the right car and properly qualifying the customer is another. But wondering what're your success stories and do you have any tips? \n\nThanks in advance", "sort": "top", "upvote_ratio": 0.76, "author": "PeeCeeMac"}

selftext:
I'm fresh in the car industry and my dealership doesn't negotiate prices. In a world where customers are still haggling, how do you guys protect your vehicle's prices and still make sales? 

I know service is one aspect, and finding the right car and properly qualifying the customer is another. But wondering what're your success stories and do you have any tips? 

Thanks in advance


topic_name: Is saving small amounts actually helpful, or does it just feel discouraging?
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457602+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r1grkq/is_saving_small_amounts_actually_helpful_or_does/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1grkq", "score": 1, "num_comments": 11, "created_utc": 1770765793.0, "selftext": "A lot of advice says \u201csave something, even if it\u2019s small,\u201d but for people living paycheck to paycheck, that can feel pointless or even stressful.\n\nDo small savings really help psychologically or financially, or is focusing on stability and income more important first?", "sort": "hot", "upvote_ratio": 0.53, "author": "calmledger"}

selftext:
A lot of advice says “save something, even if it’s small,” but for people living paycheck to paycheck, that can feel pointless or even stressful.

Do small savings really help psychologically or financially, or is focusing on stability and income more important first?


topic_name: It took me 5 years to save 3,000. And I feel so gross/sad/half accomplished.
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1ql6j56/it_took_me_5_years_to_save_3000_and_i_feel_so/
collected_at: 2026-02-12T00:05:03.489325+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1ql6j56", "score": 709, "num_comments": 117, "created_utc": 1769210857.0, "selftext": "This was while paying all my regular expenses and credit cards, debt, car, rent, and so on.\n\nIt\u2019s my emergency fund but all I do is stare at it in my bank account replaying all the effort and work it took to carve out this amount.\n\nI\u2019m not touching it. Ever. At this point it will calcify in that account because I am not spending that money.\n\nI don\u2019t even want to ever spend money ever again because of how hard this has been.", "sort": "top", "upvote_ratio": 0.99, "author": "GasNice"}

selftext:
This was while paying all my regular expenses and credit cards, debt, car, rent, and so on.

It’s my emergency fund but all I do is stare at it in my bank account replaying all the effort and work it took to carve out this amount.

I’m not touching it. Ever. At this point it will calcify in that account because I am not spending that money.

I don’t even want to ever spend money ever again because of how hard this has been.


topic_name: [US] Scammer calling “welfare check” on victim
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0nbov/us_scammer_calling_welfare_check_on_victim/
collected_at: 2026-02-12T00:05:08.886806+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0nbov", "score": 35, "num_comments": 11, "created_utc": 1770687451.0, "selftext": "So for context, my 72-year-old grandmother lives with my parents. Long story short, she got heavily involved in a stolen identity + a iPhone purchase scam. The scammer wanted her to buy two new iPhones and mail them to who knows where.\n\nWe caught on, locked down her devices, changed her passwords &amp; logins, etc, and thought that was the end of it\u2026Then the cops showed up at our doorstep. They said they were responding to a report of a \u201cdomestic violence incident.\u201d\n\nThings were a little tense a", "sort": "hot", "upvote_ratio": 0.92, "author": "hakovoid"}

selftext:
So for context, my 72-year-old grandmother lives with my parents. Long story short, she got heavily involved in a stolen identity + a iPhone purchase scam. The scammer wanted her to buy two new iPhones and mail them to who knows where.

We caught on, locked down her devices, changed her passwords &amp; logins, etc, and thought that was the end of it…Then the cops showed up at our doorstep. They said they were responding to a report of a “domestic violence incident.”

Things were a little tense a


topic_name: [US] Scammer impersonating a county sheriff
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qp0br9/us_scammer_impersonating_a_county_sheriff/
collected_at: 2026-02-12T00:05:12.358978+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qp0br9", "score": 72, "num_comments": 48, "created_utc": 1769571552.0, "selftext": "So embarrassingly today I almost fell for a scam for the first time in my life. Someone impersonating the county sheriff where I live was saying that because I missed Jury duty that I was now going to be held in contempt in court and given several citations for missing it. I'll admit I'm not too familiar with the legal process with missing jury duty so all the jargon he was using sounded very convincing. \n\nGetting to the point though at some moment during the conversation he texted me a fake war", "sort": "top", "upvote_ratio": 0.89, "author": "C0v3rT94"}

selftext:
So embarrassingly today I almost fell for a scam for the first time in my life. Someone impersonating the county sheriff where I live was saying that because I missed Jury duty that I was now going to be held in contempt in court and given several citations for missing it. I'll admit I'm not too familiar with the legal process with missing jury duty so all the jargon he was using sounded very convincing. 

Getting to the point though at some moment during the conversation he texted me a fake war


topic_name: Etsy advert in Outlook to look like you’ve made an order.
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889872+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1p9l5m8/etsy_advert_in_outlook_to_look_like_youve_made_an/

metadata:
{"subreddit": "assholedesign", "post_id": "1p9l5m8", "score": 1010, "num_comments": 16, "created_utc": 1764409944.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "Mohammed-Lester"}


topic_name: Smells like a medical claim.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qvx3u9/smells_like_a_medical_claim/
collected_at: 2026-02-12T00:05:26.020595+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qvx3u9", "score": 49, "num_comments": 31, "created_utc": 1770230864.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.96, "author": "Willing_Chemical1257"}


topic_name: The opening salvo of an MLM recruiting session
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qmuc2d/the_opening_salvo_of_an_mlm_recruiting_session/
collected_at: 2026-02-12T00:05:30.135183+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qmuc2d", "score": 115, "num_comments": 7, "created_utc": 1769372753.0, "selftext": "", "sort": "top", "upvote_ratio": 0.98, "author": "ElGuerritoito"}


topic_name: Florida Blue Insurance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1m9mx/florida_blue_insurance/
collected_at: 2026-02-12T00:05:44.256760+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1m9mx", "score": 1, "num_comments": 2, "created_utc": 1770780219.0, "selftext": "Hoping for some advice and maybe a little miracle. I had bariatric surgery in 2018. Lost a good bit of weight and then started Zepbound at the beginning of 2024.\n\nI\u2019m only 5 feet tall but my starting weight was 260 pounds and right now I\u2019m at 146. \n\nEven though technically, I am still overweight I do truly like my size. (I think it\u2019s cultural?? Idk) \n\nMy insurance is with Florida Blue and they will cover a panniculectomy but only if it is a grade 2 or higher. It looks like I will only be grade o", "sort": "hot", "upvote_ratio": 1.0, "author": "Thetopicislife"}

selftext:
Hoping for some advice and maybe a little miracle. I had bariatric surgery in 2018. Lost a good bit of weight and then started Zepbound at the beginning of 2024.

I’m only 5 feet tall but my starting weight was 260 pounds and right now I’m at 146. 

Even though technically, I am still overweight I do truly like my size. (I think it’s cultural?? Idk) 

My insurance is with Florida Blue and they will cover a panniculectomy but only if it is a grade 2 or higher. It looks like I will only be grade o


topic_name: Homeowner's insurance cancellation
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qvv0r1/homeowners_insurance_cancellation/
collected_at: 2026-02-12T00:05:47.658458+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qvv0r1", "score": 12, "num_comments": 10, "created_utc": 1770226468.0, "selftext": "I'm stuck in a weird situation switching homeowner's insurance. \n\n  \nMy old policy is ending so I decided to shop for a new carrier. New broker found a better deal for me so I signed up and paid for it. My old broker is requesting a formal cancellation using ACORD 35. Said I would get billed if not completed. \n\nMy new broker is taking her sweet time completing it. So, I took initiative and spoke with my old insurance directly and emailed a cancellation request (with declaration). \n\nWhat are my o", "sort": "top", "upvote_ratio": 0.88, "author": "PlantZaddy69"}

selftext:
I'm stuck in a weird situation switching homeowner's insurance. 

  
My old policy is ending so I decided to shop for a new carrier. New broker found a better deal for me so I signed up and paid for it. My old broker is requesting a formal cancellation using ACORD 35. Said I would get billed if not completed. 

My new broker is taking her sweet time completing it. So, I took initiative and spoke with my old insurance directly and emailed a cancellation request (with declaration). 

What are my o


source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1mjhygl/reddit_is_engaged_in_malwarelike_link_injection/
collected_at: 2026-02-12T00:05:53.366424+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
topic_name:
Reddit is engaged in malware-like link injection in a desperate attempt to get people to misclick and view more ads

metadata:
{"subreddit": "darkpatterns", "post_id": "1mjhygl", "score": 328, "num_comments": 20, "created_utc": 1754517294.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "Booty_Bumping"}


topic_name: Making the most of a special for ground beef
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qx54ur/making_the_most_of_a_special_for_ground_beef/
collected_at: 2026-02-12T00:06:01.657029+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qx54ur", "score": 29, "num_comments": 8, "created_utc": 1770344303.0, "selftext": "Meat prices have continued to increase. Ground beef used to be inexpensive, but now it is on a par with steak.  Recently, I picked up about 5 lbs as it was on sale, so I went to work to make a few meals.  I split the beef into three lots.  The first I turned into a meatloaf using some leftover sausage meat, breadcrumbs, egg, ketchup, and seasonings.  I formed it and put it into a tinfoil container, popped on a lid, and put it into the freezer.  Using the same base of beef, tomato paste, canned t", "sort": "hot", "upvote_ratio": 0.85, "author": "aharryh"}

selftext:
Meat prices have continued to increase. Ground beef used to be inexpensive, but now it is on a par with steak.  Recently, I picked up about 5 lbs as it was on sale, so I went to work to make a few meals.  I split the beef into three lots.  The first I turned into a meatloaf using some leftover sausage meat, breadcrumbs, egg, ketchup, and seasonings.  I formed it and put it into a tinfoil container, popped on a lid, and put it into the freezer.  Using the same base of beef, tomato paste, canned t


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qn6bpd/dyes_sweatpants_instead_of_tossing_bc_of_stains/
collected_at: 2026-02-12T00:06:05.044604+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
Dyes sweatpants instead of tossing bc of stains! Slush got on the legs and my period came early and bled through. Let dawn sit on the stains but they didn’t come out. I’m VERY low on winter pants and didnt want to spend $25 or so for a decent/similar pair, so bought $3.67 rit. My first time doing it

metadata:
{"subreddit": "Frugal", "post_id": "1qn6bpd", "score": 271, "num_comments": 33, "created_utc": 1769402485.0, "selftext": "", "sort": "top", "upvote_ratio": 0.93, "author": "delicate-duck"}


topic_name: AAA Daily Vs Capital One Duo for Groceries
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1uq19/aaa_daily_vs_capital_one_duo_for_groceries/
collected_at: 2026-02-12T00:06:10.587989+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1uq19", "score": 2, "num_comments": 11, "created_utc": 1770808715.0, "selftext": "If one already has a venture card and is looking for a good grocery card, what considerations would you make?\n\nHere are some of my considerations: \n\nI like the flat 5% on AAA &amp; the 3% on gas.\n\nHowever I cant help but wonder if the Savor cash to Miles isnt more valuable, Ive gotten great deals in past using miles.\n\nIs it better to build out the Duo/Ecosystem for potential mile value? Or is the AAA 5% just super consistent? \n\nI know commenity sucks, but it may not be a big deal. \n\nI feel like ", "sort": "hot", "upvote_ratio": 0.75, "author": "runescapenjoyer"}

selftext:
If one already has a venture card and is looking for a good grocery card, what considerations would you make?

Here are some of my considerations: 

I like the flat 5% on AAA &amp; the 3% on gas.

However I cant help but wonder if the Savor cash to Miles isnt more valuable, Ive gotten great deals in past using miles.

Is it better to build out the Duo/Ecosystem for potential mile value? Or is the AAA 5% just super consistent? 

I know commenity sucks, but it may not be a big deal. 

I feel like 


topic_name: Citi app sucks compared to Chase
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qikkf6/citi_app_sucks_compared_to_chase/
collected_at: 2026-02-12T00:06:13.782180+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qikkf6", "score": 85, "num_comments": 85, "created_utc": 1768960006.0, "selftext": "Rant Coming-\n\nCiti app sucks compared to Chase and this makes me not want any of their credit cards. Chase shows how many points each transaction has earned and shows how many points are pending. Citi waits for the statement to cut to show how many points have been earned but just a total amount and does not show how many each transaction has earned. They need to be more transparent regarding points earned", "sort": "top", "upvote_ratio": 0.84, "author": "Jonnyboy255"}

selftext:
Rant Coming-

Citi app sucks compared to Chase and this makes me not want any of their credit cards. Chase shows how many points each transaction has earned and shows how many points are pending. Citi waits for the statement to cut to show how many points have been earned but just a total amount and does not show how many each transaction has earned. They need to be more transparent regarding points earned


topic_name: Withholding damage deposit
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2arx9/withholding_damage_deposit/
collected_at: 2026-02-12T00:06:18.920969+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2arx9", "score": 1, "num_comments": 0, "created_utc": 1770846593.0, "selftext": "Location: Alberta, Canada\n\nMy roommate got fired from his job and is now having to break his lease with the building. He said last week that I would get my damage deposit back after I moved out but just now has said that he's keeping it so he can pay for the lease break. I'm currently on disability leave so I really needed the money to pay for my move and next month's rent at the new building. is he legally allowed to keep it even though I never broke the lease?", "sort": "hot", "upvote_ratio": 1.0, "author": "deepinthemosh"}

selftext:
Location: Alberta, Canada

My roommate got fired from his job and is now having to break his lease with the building. He said last week that I would get my damage deposit back after I moved out but just now has said that he's keeping it so he can pay for the lease break. I'm currently on disability leave so I really needed the money to pay for my move and next month's rent at the new building. is he legally allowed to keep it even though I never broke the lease?


topic_name: A co worker threw scalding hot water at my nephew.
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356641+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qyxo48/a_co_worker_threw_scalding_hot_water_at_my_nephew/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qyxo48", "score": 670, "num_comments": 22, "created_utc": 1770519951.0, "selftext": "Location: Statesville NC - Today my nephew who is 16 informed me he was at the ER.  As a coworker tossed 200 degree water on him.  He works at a restaurant chain owned by a multibillion dollar company.  He advises me, this isn\u2019t the first time this person has done this.  That the assailant has been told by leadership not to do it before.   Though he did admit that he has thrown ice at him prior when he has done it.  Should we look at getting legal for this?  Should we just take what the company ", "sort": "top", "upvote_ratio": 0.97, "author": "DrBunsonHoneyPoo"}

selftext:
Location: Statesville NC - Today my nephew who is 16 informed me he was at the ER.  As a coworker tossed 200 degree water on him.  He works at a restaurant chain owned by a multibillion dollar company.  He advises me, this isn’t the first time this person has done this.  That the assailant has been told by leadership not to do it before.   Though he did admit that he has thrown ice at him prior when he has done it.  Should we look at getting legal for this?  Should we just take what the company 


topic_name: LPT: if your heater shuts off in freezing temps, check the condensation line
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qs1bqs/lpt_if_your_heater_shuts_off_in_freezing_temps/
collected_at: 2026-02-12T00:06:28.286154+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qs1bqs", "score": 136, "num_comments": 15, "created_utc": 1769863189.0, "selftext": "Somewhere near the furnace, you'll have a PVC pipe coming out of the wall. Water can freeze there as it drips out. If it gets plugged, your heater will shut off as a safety feature. \n\n  \nUse a hair dryer to melt the ice or chip it out and you'll be good to go!", "sort": "hot", "upvote_ratio": 0.97, "author": "bad_actor"}

selftext:
Somewhere near the furnace, you'll have a PVC pipe coming out of the wall. Water can freeze there as it drips out. If it gets plugged, your heater will shut off as a safety feature. 

  
Use a hair dryer to melt the ice or chip it out and you'll be good to go!


topic_name: LPT Hard drive usages
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qjwerw/lpt_hard_drive_usages/
collected_at: 2026-02-12T00:06:31.302176+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qjwerw", "score": 1524, "num_comments": 181, "created_utc": 1769093206.0, "selftext": "Use standard hard drives (HDDs) rather than SSDs if you are storing images and videos for long-term storage, such as storing significant memories on a hard drive and keeping it in a drawer. Solid-State Drives (SSDs) are generally not advised for \"cold storage\" (unplugging a drive and leaving it in a drawer for years), even though they are much faster and more resilient than conventional Hard Disk Drives (HDDs) for everyday use.\n\nThe primary reasons include the physics of information storage and ", "sort": "top", "upvote_ratio": 0.93, "author": "1933mk"}

selftext:
Use standard hard drives (HDDs) rather than SSDs if you are storing images and videos for long-term storage, such as storing significant memories on a hard drive and keeping it in a drawer. Solid-State Drives (SSDs) are generally not advised for "cold storage" (unplugging a drive and leaving it in a drawer for years), even though they are much faster and more resilient than conventional Hard Disk Drives (HDDs) for everyday use.

The primary reasons include the physics of information storage and 


topic_name: What’s the oldest item you still use daily?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qzwmi5/whats_the_oldest_item_you_still_use_daily/
collected_at: 2026-02-12T00:06:36.789779+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzwmi5", "score": 105, "num_comments": 204, "created_utc": 1770617691.0, "selftext": "There is this chef\u2019s knife I\u2019ve had for years. It\u2019s been through countless meals, moves, and kitchens, but with regular sharpening it still performs like new. Honestly, it\u2019s the one tool I\u2019d replace last if everything else in my kitchen disappeared.\n\nHow about you?", "sort": "hot", "upvote_ratio": 0.92, "author": "Guruthien"}

selftext:
There is this chef’s knife I’ve had for years. It’s been through countless meals, moves, and kitchens, but with regular sharpening it still performs like new. Honestly, it’s the one tool I’d replace last if everything else in my kitchen disappeared.

How about you?


topic_name: We need to have an end-of-year BIFL awards
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qcxdhc/we_need_to_have_an_endofyear_bifl_awards/
collected_at: 2026-02-12T00:06:40.492405+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qcxdhc", "score": 408, "num_comments": 49, "created_utc": 1768420160.0, "selftext": "We could have things like most-loved items, best new BIFL company, and even fail awards for companies who abandoned their BIFL values (Buy It For Fail - BIFF?).\n\nWhat do you guys think?", "sort": "top", "upvote_ratio": 0.97, "author": "Bageland2000"}

selftext:
We could have things like most-loved items, best new BIFL company, and even fail awards for companies who abandoned their BIFL values (Buy It For Fail - BIFF?).

What do you guys think?


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397290+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the challenges and benefits of increasing launch cadence in the space industry, and how does it affect the overall space exploration landscape?

metadata:
{"original_headline": "ULA sets sights on ramping up launch cadence in 2026 - Spaceflight Now", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: How Many Screen Protectors Before Your Phone Stops Working?
source: youtube
region: US
url: https://youtube.com/watch?v=dNLoFYnCWHQ
collected_at: 2026-02-12T00:04:31.072088
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "dNLoFYnCWHQ", "channel": "Jackarius", "category": "Science & Technology", "category_id": 28, "views": "4257092", "view_count": 4257092, "likes": "74409", "published_at": "2026-01-28T11:31:33Z"}


topic_name: About to review company 401k contribution. Where should I invest?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815014+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r25tv2/about_to_review_company_401k_contribution_where/

metadata:
{"subreddit": "personalfinance", "post_id": "1r25tv2", "score": 1, "num_comments": 9, "created_utc": 1770835562.0, "selftext": "I'm about to receive my company's 401k contribution and I have the ability to change where it's invested. if I don't it would just go into default fund plan selected which is about 80 percent Equity/stocks and 20 percent bonds/fixed income. Should I just leave it?", "sort": "hot", "upvote_ratio": 0.67, "author": "Long-Temperature2640"}

selftext:
I'm about to receive my company's 401k contribution and I have the ability to change where it's invested. if I don't it would just go into default fund plan selected which is about 80 percent Equity/stocks and 20 percent bonds/fixed income. Should I just leave it?


topic_name: Death of estranged parent-help me please
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r0mcv7/death_of_estranged_parenthelp_me_please/
collected_at: 2026-02-12T00:04:45.418294+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r0mcv7", "score": 258, "num_comments": 61, "created_utc": 1770684886.0, "selftext": "My mother recently passed and had no end of life plans set in place. Unfortunately, she was estranged from everyone in the family besides the random check in once a year with my brother. He is on the spectrum and not able to handle the administrative side of her death. That being said, I have taken care of everything since she died. My brother and I had her cremated and interred above my father\u2019s grave. I was able to locate where she lived to have her few possessions sent to me. Somehow there wa", "sort": "top", "upvote_ratio": 0.93, "author": "False_Zebra_"}

selftext:
My mother recently passed and had no end of life plans set in place. Unfortunately, she was estranged from everyone in the family besides the random check in once a year with my brother. He is on the spectrum and not able to handle the administrative side of her death. That being said, I have taken care of everything since she died. My brother and I had her cremated and interred above my father’s grave. I was able to locate where she lived to have her few possessions sent to me. Somehow there wa


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0ajgx/salvage_titles_im_looking_to_buy_a_carsuv_less/
collected_at: 2026-02-12T00:04:50.635834+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
Salvage titles. I'm looking to buy a car/SUV. Less than 50k miles around $20k. Would you buy a salvage title car? Any deal breakers for you? And experience with salvaged vehicles? Thank you

metadata:
{"subreddit": "askcarsales", "post_id": "1r0ajgx", "score": 1, "num_comments": 25, "created_utc": 1770658228.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.6, "author": "yes_maybe_no__"}


topic_name: Negotiating price - ever tried to get brand swag from their apparel shop as part of the deal?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qbrpin/negotiating_price_ever_tried_to_get_brand_swag/
collected_at: 2026-02-12T00:04:53.860421+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qbrpin", "score": 12, "num_comments": 41, "created_utc": 1768311973.0, "selftext": "Basically what the title says...\n\nFinalizing numbers on a deal and I notice a jacket in their apparel shop that I really like. Obviously is way over priced and I could find something online, still officially branded, for probably half the price. And for context, I'm talking about deals on $40k+ cars, not the $2000 car on the used lot.\n\nHave you ever tried to get them to throw in some swag as part of the deal?\n\nOr you have a dealer that won't haggle on pricing, so you agree to the deal and ask th", "sort": "top", "upvote_ratio": 0.66, "author": "LoneWolf15000"}

selftext:
Basically what the title says...

Finalizing numbers on a deal and I notice a jacket in their apparel shop that I really like. Obviously is way over priced and I could find something online, still officially branded, for probably half the price. And for context, I'm talking about deals on $40k+ cars, not the $2000 car on the used lot.

Have you ever tried to get them to throw in some swag as part of the deal?

Or you have a dealer that won't haggle on pricing, so you agree to the deal and ask th


topic_name: I want our of the 9-5 grind. Even if I end up poorer but happier. Advice?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0i327/i_want_our_of_the_95_grind_even_if_i_end_up/
collected_at: 2026-02-12T00:04:59.457606+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r0i327", "score": 97, "num_comments": 95, "created_utc": 1770674513.0, "selftext": "I'm early 30s and I'm so tired of commuting, sitting in a cubicle, commuting back home, feeling chronically fatigue, anxious, depressed. I want out of this routine but I feel I can't change.\n\nI don't invest, all my money goes into savings like an idiot. I have $70k USD rotting there. But I dream about sitting and just living off the $70k until it's out then... Idk what then. I am so tired of having to worry about the future. I can never just live in the moment.\n\nWhat would you all do on my situa", "sort": "hot", "upvote_ratio": 0.86, "author": "Certain_Function_473"}

selftext:
I'm early 30s and I'm so tired of commuting, sitting in a cubicle, commuting back home, feeling chronically fatigue, anxious, depressed. I want out of this routine but I feel I can't change.

I don't invest, all my money goes into savings like an idiot. I have $70k USD rotting there. But I dream about sitting and just living off the $70k until it's out then... Idk what then. I am so tired of having to worry about the future. I can never just live in the moment.

What would you all do on my situa


topic_name: [US] Expired Rewards for Hotel and Cruise Call
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1cfxb/us_expired_rewards_for_hotel_and_cruise_call/
collected_at: 2026-02-12T00:05:08.886810+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1cfxb", "score": 0, "num_comments": 13, "created_utc": 1770755917.0, "selftext": "I got a call today from a phone number that is not showing any results online, but has a local area code to me. They are claiming that I had expired time either through Mariott or Wyndham, etc and because many people haven't been booking, they are running a promotion to try and get people in the rooms.\n\nAnd, what do you know, they want my credit card information today to seal the deal.\n\nBut, I'm thinking just because they want money upfront doesn't necessarily mean its a scam because I've paid a", "sort": "hot", "upvote_ratio": 0.5, "author": "OkMeunster"}

selftext:
I got a call today from a phone number that is not showing any results online, but has a local area code to me. They are claiming that I had expired time either through Mariott or Wyndham, etc and because many people haven't been booking, they are running a promotion to try and get people in the rooms.

And, what do you know, they want my credit card information today to seal the deal.

But, I'm thinking just because they want money upfront doesn't necessarily mean its a scam because I've paid a


source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qol9ye/anybody_know_why_a_scammer_would_use_my/
collected_at: 2026-02-12T00:05:12.358981+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
topic_name:
Anybody know why a scammer would use my card/bestbuy account to purchase an iPad, but have it shipped to my own address?

metadata:
{"subreddit": "Scams", "post_id": "1qol9ye", "score": 73, "num_comments": 34, "created_utc": 1769536806.0, "selftext": "I\u2019m confused and unsure what to think.\n\nThis morning I was bombarded with texts and emails with verification codes and welcome messages to services I do not use.\n\nAmong all these was a purchase confirmation from Best Buy for an iPad that was fraudulently purchased by the attacker, only they left my shipping address so they\u2019re obviously not getting the iPad.\n\nWhat\u2019s the scam here? Am I missing something or is it purely just to take my money away from me?\n\nI\u2019ll note that I haven\u2019t made anybody ang", "sort": "top", "upvote_ratio": 0.87, "author": "RasberryMamba"}

selftext:
I’m confused and unsure what to think.

This morning I was bombarded with texts and emails with verification codes and welcome messages to services I do not use.

Among all these was a purchase confirmation from Best Buy for an iPad that was fraudulently purchased by the attacker, only they left my shipping address so they’re obviously not getting the iPad.

What’s the scam here? Am I missing something or is it purely just to take my money away from me?

I’ll note that I haven’t made anybody ang


topic_name: Wow okay. Thanks for nothing :)
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1p7jhmd/wow_okay_thanks_for_nothing/
collected_at: 2026-02-12T00:05:17.889878+00:00
autocomplete: []
selftext: so i found out i have some money in my eneba wallet, but aparently, i cant even use the money
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1p7jhmd", "score": 1066, "num_comments": 67, "created_utc": 1764191127.0, "selftext": "so i found out i have some money in my eneba wallet, but aparently, i cant even use the money ", "sort": "hot", "upvote_ratio": 0.95, "author": "BandEvery5479"}


topic_name: Herbalife
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qv7tg2/herbalife/
collected_at: 2026-02-12T00:05:26.020598+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qv7tg2", "score": 670, "num_comments": 78, "created_utc": 1770160950.0, "selftext": "I host artisan markets and only accept vendors that handcraft products. I looked up this persons business page and it\u2019s just Herbalife products disguised as a store front. \n\nThis isn\u2019t the first Herbalife seller I have had try to weasel their way into my events by omitting the fact that their products are directly from a marketing scheme, either. \n\nJust because they touch a blender doesn\u2019t mean it is handmade \ud83d\ude2d ", "sort": "hot", "upvote_ratio": 1.0, "author": "LiteraryLoops"}

selftext:
I host artisan markets and only accept vendors that handcraft products. I looked up this persons business page and it’s just Herbalife products disguised as a store front. 

This isn’t the first Herbalife seller I have had try to weasel their way into my events by omitting the fact that their products are directly from a marketing scheme, either. 

Just because they touch a blender doesn’t mean it is handmade 😭 


topic_name: Work those angles babes
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qf9s4f/work_those_angles_babes/
collected_at: 2026-02-12T00:05:30.135187+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qf9s4f", "score": 114, "num_comments": 18, "created_utc": 1768645367.0, "selftext": "No hun, it doesn\u2019t look any longer whatsoever no matter how far you tilt your head to left or right.", "sort": "top", "upvote_ratio": 0.98, "author": "kbin1970"}

selftext:
No hun, it doesn’t look any longer whatsoever no matter how far you tilt your head to left or right.


topic_name: Bumped into a friend's car- should I go through car insuranc
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1lkqm/bumped_into_a_friends_car_should_i_go_through_car/
collected_at: 2026-02-12T00:05:44.256763+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1lkqm", "score": 1, "num_comments": 13, "created_utc": 1770778353.0, "selftext": "Hi Everyone,\n\nHoping for some direction here.  Bumped into my buddies car a few weeks back and caused some minor damage to the passenger door.  He went and got 2 estimates that are within a few hundred of each other (2,100 vs 1,500).\n\nI have never been in an accident before or had a claim.  Would it make sense just to write a check to cover the cost of the repair or let them file a claim through my insurance?    \n\nAny suggestions would be greatly appreciated!", "sort": "hot", "upvote_ratio": 1.0, "author": "Manners_BRO"}

selftext:
Hi Everyone,

Hoping for some direction here.  Bumped into my buddies car a few weeks back and caused some minor damage to the passenger door.  He went and got 2 estimates that are within a few hundred of each other (2,100 vs 1,500).

I have never been in an accident before or had a claim.  Would it make sense just to write a check to cover the cost of the repair or let them file a claim through my insurance?    

Any suggestions would be greatly appreciated!


topic_name: I am 15 years old, if i get a job, would I be able to pay insurance with it so I can get braces?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qvfvfh/i_am_15_years_old_if_i_get_a_job_would_i_be_able/
collected_at: 2026-02-12T00:05:47.658462+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qvfvfh", "score": 10, "num_comments": 31, "created_utc": 1770182529.0, "selftext": "Hello! I recently turned 15 years old, and while many places aren't hiring, I know a lot that hire at 16 so I'll just have to wait some more.\n\nMy dad lost his job a few years ago and is beyond working age, so he has no job. This means my family has no insurance. I'm a minor so I have some type (I think life?), but I can't get braces because of it.\n\nI was wondering if a job could help me pay for it. My dad explained that the job cuts your pay and it goes to insurance, so that's why I'm asking. I ", "sort": "top", "upvote_ratio": 0.78, "author": "ethe_ria"}

selftext:
Hello! I recently turned 15 years old, and while many places aren't hiring, I know a lot that hire at 16 so I'll just have to wait some more.

My dad lost his job a few years ago and is beyond working age, so he has no job. This means my family has no insurance. I'm a minor so I have some type (I think life?), but I can't get braces because of it.

I was wondering if a job could help me pay for it. My dad explained that the job cuts your pay and it goes to insurance, so that's why I'm asking. I 


topic_name: To submit a political poll, you have to donate money
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1mi7fqe/to_submit_a_political_poll_you_have_to_donate/
collected_at: 2026-02-12T00:05:53.366427+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1mi7fqe", "score": 151, "num_comments": 26, "created_utc": 1754395816.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "walternate1111"}


topic_name: How do I cut my own hair at home? Barber is expensive
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qwx16a/how_do_i_cut_my_own_hair_at_home_barber_is/
collected_at: 2026-02-12T00:06:01.657033+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qwx16a", "score": 69, "num_comments": 149, "created_utc": 1770324321.0, "selftext": "My barber recently raised prices to $45 per cut, and honestly it\u2019s starting to feel hard to justify for what I get. I usually just do a simple buzzcut (1/2 guard on the sides and top, nothing fancy). I\u2019m thinking about switching to cutting my own hair at home to save money over time.\n\nHas anyone here made that switch and stuck with it long term? Was it hard to learn?\n\nI\u2019m planning to buy a mirror and electric clippers for about $100 total. Besides that, what else should I get (guards, cape, clea", "sort": "hot", "upvote_ratio": 0.88, "author": "duckwolf8097"}

selftext:
My barber recently raised prices to $45 per cut, and honestly it’s starting to feel hard to justify for what I get. I usually just do a simple buzzcut (1/2 guard on the sides and top, nothing fancy). I’m thinking about switching to cutting my own hair at home to save money over time.

Has anyone here made that switch and stuck with it long term? Was it hard to learn?

I’m planning to buy a mirror and electric clippers for about $100 total. Besides that, what else should I get (guards, cape, clea


topic_name: What’s something you stopped buying cheaply because replacing it kept costing more?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qiewbb/whats_something_you_stopped_buying_cheaply/
collected_at: 2026-02-12T00:06:05.044608+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qiewbb", "score": 270, "num_comments": 203, "created_utc": 1768946202.0, "selftext": "I recently broke my third garlic press in the past year lol. It finally made the \u201cbuy it nice or buy it twice\u201d saying click for me.\n\nEvery time I bought one, I told myself the cheap one was fine. And it was\u2026 until it wasn\u2019t. Bent handle, cracked hinge, garlic stuck everywhere. Then back to the store again.\n\nWhen I added it up, I realized I\u2019d already spent more replacing cheap versions than I would have on one solid tool that actually lasts. Same story with a few other things around the house.\n\nC", "sort": "top", "upvote_ratio": 0.95, "author": "MapleMoneyMind_86"}

selftext:
I recently broke my third garlic press in the past year lol. It finally made the “buy it nice or buy it twice” saying click for me.

Every time I bought one, I told myself the cheap one was fine. And it was… until it wasn’t. Bent handle, cracked hinge, garlic stuck everywhere. Then back to the store again.

When I added it up, I realized I’d already spent more replacing cheap versions than I would have on one solid tool that actually lasts. Same story with a few other things around the house.

C


topic_name: Choosing First Travel Credit Card
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1ubkp/choosing_first_travel_credit_card/
collected_at: 2026-02-12T00:06:10.587993+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1ubkp", "score": 2, "num_comments": 8, "created_utc": 1770807352.0, "selftext": "I\u2019ve been trying to decide which travel credit card I should get. I\u2019ve been pre-approved for a few (Capital One, Chase,\u2026).\n\nMy Experian credit score is 770.\n\nThe only credit card I currently have is the Discover It card I got 2021 and have a credit limit of $14,700.\n\nI\u2019ve been leaning towards the Capital One Venture X card because the annual fee isn\u2019t too bad and I think I can hit the minimum spend for the bonus miles. I mostly spend on food, gas and Amazon purchases with other miscellaneous pur", "sort": "hot", "upvote_ratio": 0.75, "author": "MathematicianLow9432"}

selftext:
I’ve been trying to decide which travel credit card I should get. I’ve been pre-approved for a few (Capital One, Chase,…).

My Experian credit score is 770.

The only credit card I currently have is the Discover It card I got 2021 and have a credit limit of $14,700.

I’ve been leaning towards the Capital One Venture X card because the annual fee isn’t too bad and I think I can hit the minimum spend for the bonus miles. I mostly spend on food, gas and Amazon purchases with other miscellaneous pur


topic_name: Bilt 2.0 Cards officially launched.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qct003/bilt_20_cards_officially_launched/
collected_at: 2026-02-12T00:06:13.782184+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qct003", "score": 84, "num_comments": 119, "created_utc": 1768410691.0, "selftext": "Seems pretty inline with the leaks: https://www.reddit.com/r/biltrewards/comments/1qcstpf/introducing_bilt_card_20/", "sort": "top", "upvote_ratio": 0.97, "author": "losvedir"}

selftext:
Seems pretty inline with the leaks: https://www.reddit.com/r/biltrewards/comments/1qcstpf/introducing_bilt_card_20/


topic_name: My roommate is trying to sue our property management
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2akhe/my_roommate_is_trying_to_sue_our_property/
collected_at: 2026-02-12T00:06:18.920973+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2akhe", "score": 1, "num_comments": 0, "created_utc": 1770846110.0, "selftext": "Location: MN, United states \nThis year has been a mental nightmare for me. My roommate and I live in a \u201cluxury\u201d apartment building that is managed by a notoriously money hungry and self-protective property management company. This is our second year living here and after our first year we downsized to a smaller unit. \n\nWithin a week we found roaches in this new unit. We never had them in our old unit. We had maintenance put roach traps around and whatnot but we still had them. From the beginning", "sort": "hot", "upvote_ratio": 1.0, "author": "Slow-Expression-1808"}

selftext:
Location: MN, United states 
This year has been a mental nightmare for me. My roommate and I live in a “luxury” apartment building that is managed by a notoriously money hungry and self-protective property management company. This is our second year living here and after our first year we downsized to a smaller unit. 

Within a week we found roaches in this new unit. We never had them in our old unit. We had maintenance put roach traps around and whatnot but we still had them. From the beginning


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qwczqs/employer_wants_to_take_out_life_insurance_on_me/
collected_at: 2026-02-12T00:06:22.356644+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Employer wants to take out life insurance on me (company is beneficiary). I’m uncomfortable. How do I decline and what recourse should I expect?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qwczqs", "score": 653, "num_comments": 184, "created_utc": 1770270159.0, "selftext": "Location: Arizona\n\nI\u2019ve been with my firm for about nine years and am considered a \u201ckey person\u201d within the organization. Recently, the company told me they want to take out a life insurance policy on me, with the company as the beneficiary.\n\nAs part of the underwriting process, they want me to complete medical requirements including blood work, urine sample, and a detailed health questionnaire.\n\n**Important Background:** I am severely underpaid for my role and do not have ownership equity in the", "sort": "top", "upvote_ratio": 0.93, "author": "EarthDesigner4203"}

selftext:
Location: Arizona

I’ve been with my firm for about nine years and am considered a “key person” within the organization. Recently, the company told me they want to take out a life insurance policy on me, with the company as the beneficiary.

As part of the underwriting process, they want me to complete medical requirements including blood work, urine sample, and a detailed health questionnaire.

**Important Background:** I am severely underpaid for my role and do not have ownership equity in the


topic_name: LPT: Make stale snacks fresh again
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qrtrhp/lpt_make_stale_snacks_fresh_again/
collected_at: 2026-02-12T00:06:28.286157+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qrtrhp", "score": 183, "num_comments": 34, "created_utc": 1769837422.0, "selftext": "Left a bag of chips open? Have crackers that taste like cardboard? Put any stale snack in the oven ( on a tray not in its bag/box) at 180 F for 20 min-30min and it will taste better than when first opened :)\n\n  \nEDIT: You can also add your own spices ( crackers=  lightly spray with cooking oil spray + garlic/onion powder rosemary.  AND for a sweeter twist on stale popcorn/animal crackers = cinnamon + cooking spray.  ", "sort": "hot", "upvote_ratio": 0.89, "author": "Historical_Log1275"}

selftext:
Left a bag of chips open? Have crackers that taste like cardboard? Put any stale snack in the oven ( on a tray not in its bag/box) at 180 F for 20 min-30min and it will taste better than when first opened :)

  
EDIT: You can also add your own spices ( crackers=  lightly spray with cooking oil spray + garlic/onion powder rosemary.  AND for a sweeter twist on stale popcorn/animal crackers = cinnamon + cooking spray.  


topic_name: Best noise canceling headphones for commuting in 2026?
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789783+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r14msc/best_noise_canceling_headphones_for_commuting_in/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r14msc", "score": 0, "num_comments": 20, "created_utc": 1770739177.0, "selftext": "I commute every day by train + bus and the city noise is honestly exhausting.  \nengines, people talking, random announcements, the whole thing.\n\nim looking for noise canceling headphones that actually work in real life, not just on paper.  \ncomfort matters a lot since i wear them 1\u20132 hours a day, sometimes longer.  \ndon\u2019t want anything super heavy or clampy.\n\nmostly listening to music and podcasts, sometimes just silence.  \nbattery life should be solid but doesn\u2019t have to be insane.\n\nbudget is f", "sort": "hot", "upvote_ratio": 0.35, "author": "BrightFig3041"}

selftext:
I commute every day by train + bus and the city noise is honestly exhausting.  
engines, people talking, random announcements, the whole thing.

im looking for noise canceling headphones that actually work in real life, not just on paper.  
comfort matters a lot since i wear them 1–2 hours a day, sometimes longer.  
don’t want anything super heavy or clampy.

mostly listening to music and podcasts, sometimes just silence.  
battery life should be solid but doesn’t have to be insane.

budget is f


topic_name: my Zippo lighter going on 30yrs
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qsdby8/my_zippo_lighter_going_on_30yrs/
collected_at: 2026-02-12T00:06:40.492411+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qsdby8", "score": 396, "num_comments": 39, "created_utc": 1769891373.0, "selftext": "", "sort": "top", "upvote_ratio": 0.97, "author": "johndepp22"}


source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000138+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
topic_name:
I see a lot of people who ditched FIRE due to it affecting their life negatively and I don’t understand?

url:
https://reddit.com/r/financialindependence/comments/1qls3yc/i_see_a_lot_of_people_who_ditched_fire_due_to_it/

metadata:
{"subreddit": "financialindependence", "post_id": "1qls3yc", "score": 0, "num_comments": 26, "created_utc": 1769273675.0, "selftext": "They talk about missing birthdays, not enjoying life, not visiting family etc so they end up ditching FIRE.\n\nIt makes no sense to me. You can still save, still go to birthdays, still celebrate holidays and see your parents.\n\nI don\u2019t care about blowing money on expensive clothes/cars etc. I still travel. I have fun. And I\u2019m perfectly fine? Spending money on useless things makes me UNHAPPY. Traveling makes me happy. \n\nEven if I enjoyed blowing money on expensive clothes/cars or whatever - I still ", "sort": "hot", "upvote_ratio": 0.27, "author": "OverdosedOnViagra"}

selftext:
They talk about missing birthdays, not enjoying life, not visiting family etc so they end up ditching FIRE.

It makes no sense to me. You can still save, still go to birthdays, still celebrate holidays and see your parents.

I don’t care about blowing money on expensive clothes/cars etc. I still travel. I have fun. And I’m perfectly fine? Spending money on useless things makes me UNHAPPY. Traveling makes me happy. 

Even if I enjoyed blowing money on expensive clothes/cars or whatever - I still 


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397293+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
How do spacecraft like NASA's Lunar Orbiter track and identify old, lost spacecraft, and what can we learn from these discoveries?

metadata:
{"original_headline": "NASA's Lunar Orbiter May Have Spotted Long-Lost Luna 9 Spacecraft, 60 Years After It Vanished - IFLScience", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Introducing the 'VitalWear SmartBand, anext-generation wearable gadget
source: youtube
region: US
url: https://youtube.com/watch?v=zWG31OYT5aE
collected_at: 2026-02-12T00:04:31.072096
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "zWG31OYT5aE", "channel": "Quick fun", "category": "Science & Technology", "category_id": 28, "views": "4246174", "view_count": 4246174, "likes": "0", "published_at": "2026-02-08T05:11:24Z"}


topic_name: Questions about IRA contribution for self-employment income
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r25lh1/questions_about_ira_contribution_for/
collected_at: 2026-02-12T00:04:41.815018+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r25lh1", "score": 0, "num_comments": 5, "created_utc": 1770835058.0, "selftext": "Assume:\n- 10-year-old kid\n- $2000 self-employment income in 2025\n- business expense is ZERO\n- no other income in 2025\n\nSelf-employment tax:\n1. net earnings = 2000 - 0 = 2000\n2. self-employment income = [1] * 92.35% = 2000 * 0.9235 = $1,847\n3. self-employment tax = [2] * 15.3% = $1,847 * 0.153 = $283\n4. deductible portion = [3] * 50% = $283 * 0.5 = $142\n\nQuestions:\n1. Can a 10-year-old kid file a tax as a single?\n2. How much IRA can this kid contribute? $2000, $1847, anything else?\n\n\n", "sort": "hot", "upvote_ratio": 0.5, "author": "wasabi-rich"}

selftext:
Assume:
- 10-year-old kid
- $2000 self-employment income in 2025
- business expense is ZERO
- no other income in 2025

Self-employment tax:
1. net earnings = 2000 - 0 = 2000
2. self-employment income = [1] * 92.35% = 2000 * 0.9235 = $1,847
3. self-employment tax = [2] * 15.3% = $1,847 * 0.153 = $283
4. deductible portion = [3] * 50% = $283 * 0.5 = $142

Questions:
1. Can a 10-year-old kid file a tax as a single?
2. How much IRA can this kid contribute? $2000, $1847, anything else?


source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qze6w2/i_already_filed_taxes_as_married_filing/
collected_at: 2026-02-12T00:04:45.418298+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
I already filed taxes as Married Filing Separately, but realized we should have filed jointly. How should I amend my return

metadata:
{"subreddit": "personalfinance", "post_id": "1qze6w2", "score": 253, "num_comments": 39, "created_utc": 1770569973.0, "selftext": "I got married early last year and figured it would be easier to file our taxes separately, but didn't realize my spouse's 1098-T would be rejected for \"married filing separately\" (this makes no sense to me what so ever). My taxes were already filed and accepted. Should I have my spouse do theirs as Jointly while I file a 1040-X or just submit one amended tax return", "sort": "top", "upvote_ratio": 0.81, "author": "HemingwayGuineapig"}

selftext:
I got married early last year and figured it would be easier to file our taxes separately, but didn't realize my spouse's 1098-T would be rejected for "married filing separately" (this makes no sense to me what so ever). My taxes were already filed and accepted. Should I have my spouse do theirs as Jointly while I file a 1040-X or just submit one amended tax return


topic_name: Out of state cash purchase from dealer taking forever
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r08jgl/out_of_state_cash_purchase_from_dealer_taking/
collected_at: 2026-02-12T00:04:50.635837+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r08jgl", "score": 0, "num_comments": 5, "created_utc": 1770653968.0, "selftext": "Just wanted to check in here on if what we're experiencing is \"normal\". We found a good price on a certified pre-owned Honda out-of-state (Ohio, we live in Michigan) from a dealership. Vehicle history all checks out (single owner, no accidents, good maintenance history).\n\nWe drove down with a cashier's check for the amount around what we thought the price would be after doc fees, etc. They said that due to \"fraud\" they couldn't accept cashier's checks from out of state but we had spoken to our b", "sort": "hot", "upvote_ratio": 0.33, "author": "Framnk"}

selftext:
Just wanted to check in here on if what we're experiencing is "normal". We found a good price on a certified pre-owned Honda out-of-state (Ohio, we live in Michigan) from a dealership. Vehicle history all checks out (single owner, no accidents, good maintenance history).

We drove down with a cashier's check for the amount around what we thought the price would be after doc fees, etc. They said that due to "fraud" they couldn't accept cashier's checks from out of state but we had spoken to our b


topic_name: Saving ~40% of income at 22 ~ what would you change?
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457609+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r1vsf1/saving_40_of_income_at_22_what_would_you_change/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1vsf1", "score": 0, "num_comments": 11, "created_utc": 1770812094.0, "selftext": "Hey everyone, software engineer here, been working full-time for about a year and finally feel like I have a system down:\n\n* Saving roughly 40% of my monthly income\n* 30% of my income goes to investing (mostly broad ETFs like VOO/VTI, some individual stocks for fun)\n* Rest sits in HYSA\n* Already built up 3\u20136 months emergency fund\n\nIt took me a while to figure this out honestly. At first I was just parking everything in savings and felt like I was falling behind. Then I went too aggressive on ind", "sort": "hot", "upvote_ratio": 0.2, "author": "Own-Release-1895"}

selftext:
Hey everyone, software engineer here, been working full-time for about a year and finally feel like I have a system down:

* Saving roughly 40% of my monthly income
* 30% of my income goes to investing (mostly broad ETFs like VOO/VTI, some individual stocks for fun)
* Rest sits in HYSA
* Already built up 3–6 months emergency fund

It took me a while to figure this out honestly. At first I was just parking everything in savings and felt like I was falling behind. Then I went too aggressive on ind


topic_name: Can't pay internet bill, so I can't work, so I can't pay my internet bill
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489329+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qrmtoz/cant_pay_internet_bill_so_i_cant_work_so_i_cant/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qrmtoz", "score": 707, "num_comments": 259, "created_utc": 1769818345.0, "selftext": "Not in a good place right now. I'm past due on my internet bill and will lose service if I can't pay it by February 2nd. (Really February 1st because they deduct the payment as soon as 12:00AM hits on the 2nd). I've been on the phone with Xfinity for hours today, begging for an extension on the payment. They won't extend it. \n\nI work from home/online. Once I lose my internet service, I'll lose my ability to work, and thus lose my income, so I'll not be able to pay my past due bill indefinitely. ", "sort": "top", "upvote_ratio": 0.93, "author": "StellaZaFella"}

selftext:
Not in a good place right now. I'm past due on my internet bill and will lose service if I can't pay it by February 2nd. (Really February 1st because they deduct the payment as soon as 12:00AM hits on the 2nd). I've been on the phone with Xfinity for hours today, begging for an extension on the payment. They won't extend it. 

I work from home/online. Once I lose my internet service, I'll lose my ability to work, and thus lose my income, so I'll not be able to pay my past due bill indefinitely. 


topic_name: Scam or legit? Help!
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1pin8/scam_or_legit_help/
collected_at: 2026-02-12T00:05:08.886813+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1pin8", "score": 0, "num_comments": 10, "created_utc": 1770790002.0, "selftext": "Hi,\n\nI am an artist using instagram with a small account (around 6k followers) and i just contacted supposedly by Meta to get the blue verification,  which is not the same as Meta verified. The email seems legit but it did put me a bit off and usually I am a bit paranoid with these things, specially considering how small my following is.\n\nThe headline is lnstagram Verification #7852604 and the email [meta@aboutverifyportal.com](mailto:meta@aboutverifyportal.com)\n\nAt the end of the email there is", "sort": "hot", "upvote_ratio": 0.27, "author": "UnlikelyShape4804"}

selftext:
Hi,

I am an artist using instagram with a small account (around 6k followers) and i just contacted supposedly by Meta to get the blue verification,  which is not the same as Meta verified. The email seems legit but it did put me a bit off and usually I am a bit paranoid with these things, specially considering how small my following is.

The headline is lnstagram Verification #7852604 and the email [meta@aboutverifyportal.com](mailto:meta@aboutverifyportal.com)

At the end of the email there is


topic_name: [USA] Did you manage to save your family member from a romance scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qnlm2u/usa_did_you_manage_to_save_your_family_member/
collected_at: 2026-02-12T00:05:12.358986+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qnlm2u", "score": 71, "num_comments": 50, "created_utc": 1769446574.0, "selftext": "My mother (59) is deeply addicted to a romance scam. There have been a lot of things leading up to this that I believe are the reason she fell so hard. (Health, cognitive issues, loneliness, no money, no retirement, can't hold a job/get hired, a very hard life) She has given thousands of what little money had from unemployment and well meaning family members to trying to keep her housed.\n\nI moved her in with me and my husband after she was facing homelessness in another state. This is only a tem", "sort": "top", "upvote_ratio": 0.95, "author": "AdvanceDifficult8513"}

selftext:
My mother (59) is deeply addicted to a romance scam. There have been a lot of things leading up to this that I believe are the reason she fell so hard. (Health, cognitive issues, loneliness, no money, no retirement, can't hold a job/get hired, a very hard life) She has given thousands of what little money had from unemployment and well meaning family members to trying to keep her housed.

I moved her in with me and my husband after she was facing homelessness in another state. This is only a tem


topic_name: Amazon is sending fake delivery notifications - this needs to stop
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1p6ed3p/amazon_is_sending_fake_delivery_notifications/
collected_at: 2026-02-12T00:05:17.889882+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1p6ed3p", "score": 4649, "num_comments": 162, "created_utc": 1764082212.0, "selftext": "just received a notification from Amazon claiming \"Your package is currently being delivered \ud83d\udce6\" when I haven't ordered anything in weeks. When I clicked on it, it just opened the Amazon home screen with no order information whatsoever.\n\nThis is either a serious bug in their system or a manipulative dark pattern to get people to open the app. Either way, it's completely unacceptable. These notifications are supposed to be for actual deliveries, not whatever this is.\n\nHas anyone else been getting ", "sort": "hot", "upvote_ratio": 0.96, "author": "Alternative-Wish9912"}

selftext:
just received a notification from Amazon claiming "Your package is currently being delivered 📦" when I haven't ordered anything in weeks. When I clicked on it, it just opened the Amazon home screen with no order information whatsoever.

This is either a serious bug in their system or a manipulative dark pattern to get people to open the app. Either way, it's completely unacceptable. These notifications are supposed to be for actual deliveries, not whatever this is.

Has anyone else been getting 


topic_name: Marble Partners?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qvylc9/marble_partners/
collected_at: 2026-02-12T00:05:26.020602+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qvylc9", "score": 7, "num_comments": 8, "created_utc": 1770234035.0, "selftext": "Has anyone heard of \u201cMarble Partners\u201d? I just got a text and then an email from a former colleague saying they want to headhunt me and do I want a 15 minute meeting with her manager. The website is SUPER vague about what they actually do. \n\nI\u2019ve sent her a message back asking if it\u2019s an MLM. What do we think? There\u2019s one (negative, but non-specific) glass door review, and nothing else I can find online.", "sort": "hot", "upvote_ratio": 0.9, "author": "hawkisgirl"}

selftext:
Has anyone heard of “Marble Partners”? I just got a text and then an email from a former colleague saying they want to headhunt me and do I want a 15 minute meeting with her manager. The website is SUPER vague about what they actually do. 

I’ve sent her a message back asking if it’s an MLM. What do we think? There’s one (negative, but non-specific) glass door review, and nothing else I can find online.


topic_name: Only 3 spots left you guys!
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qjp2aq/only_3_spots_left_you_guys/
collected_at: 2026-02-12T00:05:30.135192+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qjp2aq", "score": 110, "num_comments": 44, "created_utc": 1769070184.0, "selftext": "This hun is so full of crap trying to push a narrative that the \u201copportunity\u201d is extremely limited with only 3 spots left this month to get you started in \u201cthe biz\u201d. What biz exactly? A biz where you have no say in when a sale is going to happen? A biz where you have zero input in marketing ideas? A biz where you can\u2019t make suggestions in product development? A biz that you claim gives you more time with your family but the truth is you\u2019re constantly on social media posting about your \u201cbiz\u201d? Yea", "sort": "top", "upvote_ratio": 1.0, "author": "kbin1970"}

selftext:
This hun is so full of crap trying to push a narrative that the “opportunity” is extremely limited with only 3 spots left this month to get you started in “the biz”. What biz exactly? A biz where you have no say in when a sale is going to happen? A biz where you have zero input in marketing ideas? A biz where you can’t make suggestions in product development? A biz that you claim gives you more time with your family but the truth is you’re constantly on social media posting about your “biz”? Yea


topic_name: National Flood Insurance Program has lapsed
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qu831u/national_flood_insurance_program_has_lapsed/
collected_at: 2026-02-12T00:05:47.658465+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qu831u", "score": 10, "num_comments": 4, "created_utc": 1770067238.0, "selftext": "[Congressional Reauthorization for the National Flood Insurance Program | FEMA.gov](https://www.fema.gov/flood-insurance/rules-legislation/congressional-reauthorization)", "sort": "top", "upvote_ratio": 0.92, "author": "lizzieismydog"}

selftext:
[Congressional Reauthorization for the National Flood Insurance Program | FEMA.gov](https://www.fema.gov/flood-insurance/rules-legislation/congressional-reauthorization)


topic_name: Ad pauses to show install prompt, forcing you to watch to close it when it appears.
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1ma7qil/ad_pauses_to_show_install_prompt_forcing_you_to/
collected_at: 2026-02-12T00:05:53.366431+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1ma7qil", "score": 25, "num_comments": 0, "created_utc": 1753573209.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.96, "author": "RealisticBus463"}


topic_name: What are your frugal hosting tips??
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qx08kq/what_are_your_frugal_hosting_tips/
collected_at: 2026-02-12T00:06:01.657036+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qx08kq", "score": 35, "num_comments": 38, "created_utc": 1770331516.0, "selftext": "I am hosting a little galentines get together with my friends, and I have already made it potluck style where everyone is asked to bring a snack of some sort, but I did say I would provide dinner. I am thinking tacos or pasta because its easy and cheap, but do you guys have any other food tips to stay low budget? Or other hosting tips in general to make sure people have a good time but your dollar isn't too too affected? \n\nAlso, I've already got decor and I might buy a cheap thrifted table cloth", "sort": "hot", "upvote_ratio": 0.82, "author": "waterhorsies"}

selftext:
I am hosting a little galentines get together with my friends, and I have already made it potluck style where everyone is asked to bring a snack of some sort, but I did say I would provide dinner. I am thinking tacos or pasta because its easy and cheap, but do you guys have any other food tips to stay low budget? Or other hosting tips in general to make sure people have a good time but your dollar isn't too too affected? 

Also, I've already got decor and I might buy a cheap thrifted table cloth


topic_name: I Make My Own Yogurt - 4x cheaper than store bought.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qpb2t6/i_make_my_own_yogurt_4x_cheaper_than_store_bought/
collected_at: 2026-02-12T00:06:05.044611+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qpb2t6", "score": 261, "num_comments": 103, "created_utc": 1769606231.0, "selftext": "So, instead of buying branded yogurt each time, I use half of it and place it in a jar with a liter of milk. The next day, I have sugar-free yogurt that costs me **at least four times less than the cheapest branded yogurt**. Then I repeat the cycle. You can repeat this 5-10 times before you need to buy new one.  \nI add frozen berries to it for a flavor. You can also froze them by yourself.", "sort": "top", "upvote_ratio": 0.91, "author": "ControlBalance"}

selftext:
So, instead of buying branded yogurt each time, I use half of it and place it in a jar with a liter of milk. The next day, I have sugar-free yogurt that costs me **at least four times less than the cheapest branded yogurt**. Then I repeat the cycle. You can repeat this 5-10 times before you need to buy new one.  
I add frozen berries to it for a flavor. You can also froze them by yourself.


topic_name: Looking for Travel Card Recs
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1ytzw/looking_for_travel_card_recs/
collected_at: 2026-02-12T00:06:10.587997+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1ytzw", "score": 1, "num_comments": 5, "created_utc": 1770820120.0, "selftext": "CREDIT PROFILE\n\n  \n\n\\* Current credit cards you are the primary account holder of:\n\n   \\* Discover it, $4,000, 11/2022\n\n   \\* Chase Freedom Unlimited, $13,500, 5/2024\n\n   \\* Chase Sapphire Preferred, $25,800, 10/2024\n\n   \\* Chase Freedom Flex, $20,000, 1/2026\n\n\\* FICO scores with source: Experian 781, Transunion 782, Equifax 788\n\n\\* Oldest credit card account age: 3, 4 later this year\n\n\\* Cards approved in the past 6 months: 1\n\n\\* Cards approved in the past 12 months: 1\n\n\\* Cards approved in the", "sort": "hot", "upvote_ratio": 0.67, "author": "hawjjj"}

selftext:
CREDIT PROFILE

  

\* Current credit cards you are the primary account holder of:

   \* Discover it, $4,000, 11/2022

   \* Chase Freedom Unlimited, $13,500, 5/2024

   \* Chase Sapphire Preferred, $25,800, 10/2024

   \* Chase Freedom Flex, $20,000, 1/2026

\* FICO scores with source: Experian 781, Transunion 782, Equifax 788

\* Oldest credit card account age: 3, 4 later this year

\* Cards approved in the past 6 months: 1

\* Cards approved in the past 12 months: 1

\* Cards approved in the


topic_name: BOFA CCR replaced BILT for rent
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qz23az/bofa_ccr_replaced_bilt_for_rent/
collected_at: 2026-02-12T00:06:13.782188+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qz23az", "score": 78, "num_comments": 63, "created_utc": 1770533789.0, "selftext": "Apparently BoA\u2019s includes \u201creal estate and manager - rentals\u201d as a travel category. If you rent and your landlord has a portal, you will likely get 3% back! Now most portals charge 3%, so you\u2019ll be able to float rent at the minimum. The current SUB offers 6% for one year, which gives you 3% back plus more (3.75% - 4.5% - 5.25% ) if you have $20k/$50k/$100k with BoA or Meril Edge.\n\nThe downside is $2,500 limit per quarter. However, you can apply for both the CCR and the Susan G. Komen CCR around ", "sort": "top", "upvote_ratio": 0.87, "author": "HEROxDivine"}

selftext:
Apparently BoA’s includes “real estate and manager - rentals” as a travel category. If you rent and your landlord has a portal, you will likely get 3% back! Now most portals charge 3%, so you’ll be able to float rent at the minimum. The current SUB offers 6% for one year, which gives you 3% back plus more (3.75% - 4.5% - 5.25% ) if you have $20k/$50k/$100k with BoA or Meril Edge.

The downside is $2,500 limit per quarter. However, you can apply for both the CCR and the Susan G. Komen CCR around 


topic_name: Illinois salary exempt laws
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2acvz/illinois_salary_exempt_laws/
collected_at: 2026-02-12T00:06:18.920976+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2acvz", "score": 1, "num_comments": 0, "created_utc": 1770845629.0, "selftext": "Location: illinois \n\nI live in central Illinois and am a salary exempt worker.\n\nMy title is assistant warehouse manager for a wholesale/route delivery company. My hours were stated as 4-10s when I took the roll and was given a list of daily tasks.\n\nWhen I took the position I was told I wouldn\u2019t cover routes and would only train people to deliver and do routes.\n\nMy job has mainly been delivering ever sense I took the position. Even tho that\u2019s not listed as one of my daily duties. \u201cUnless it\u2019s a n", "sort": "hot", "upvote_ratio": 1.0, "author": "Illinoisforfun"}

selftext:
Location: illinois 

I live in central Illinois and am a salary exempt worker.

My title is assistant warehouse manager for a wholesale/route delivery company. My hours were stated as 4-10s when I took the roll and was given a list of daily tasks.

When I took the position I was told I wouldn’t cover routes and would only train people to deliver and do routes.

My job has mainly been delivering ever sense I took the position. Even tho that’s not listed as one of my daily duties. “Unless it’s a n


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qzqtcm/my_sister_is_attempting_to_oust_me_out_of_a/
collected_at: 2026-02-12T00:06:22.356648+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
My sister is attempting to oust me out of a shared property so her boyfriend can move in. what can i do to prevent it/protect my financial interests?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qzqtcm", "score": 643, "num_comments": 11, "created_utc": 1770600368.0, "selftext": "location: california, usa \n\nBackground: My mother passed away in late 2021, her home was put into a trust where me (22f), my brother (26m) and my sister (32f) are the beneficiaries and our grandmother is the executor of her will. \n\nIn 2023, after the house was rented for a while my family worked with a lawyer and made a lease for my brother and sister to move in (and my nephew-sisters kid). They had a lease up until the end of 2025. Included in the lease was payments and rules that stated that n", "sort": "top", "upvote_ratio": 0.97, "author": "Perfect_Accountant40"}

selftext:
location: california, usa 

Background: My mother passed away in late 2021, her home was put into a trust where me (22f), my brother (26m) and my sister (32f) are the beneficiaries and our grandmother is the executor of her will. 

In 2023, after the house was rented for a while my family worked with a lawyer and made a lease for my brother and sister to move in (and my nephew-sisters kid). They had a lease up until the end of 2025. Included in the lease was payments and rules that stated that n


topic_name: lpt: don't underestimate the power of walking for fitness and productivity
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qrb4uh/lpt_dont_underestimate_the_power_of_walking_for/
collected_at: 2026-02-12T00:06:28.286162+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qrb4uh", "score": 1631, "num_comments": 45, "created_utc": 1769792490.0, "selftext": "if you're feeling stuck, unmotivated, or like you don't have time for exercise, try incorporating more walking into your day. you don't need fancy equipment or a gym membership, and it's one of the most low-stress ways to get moving. even just a 15-20 minute walk can clear your head, boost your mood, and improve your focus if you're trying to work or study. it\u2019s not gonna give you huge muscles, but it\u2019s underrated for overall health and mental clarity.\n\nfor example, if you work from home, take a", "sort": "hot", "upvote_ratio": 0.98, "author": "ramhariiii"}

selftext:
if you're feeling stuck, unmotivated, or like you don't have time for exercise, try incorporating more walking into your day. you don't need fancy equipment or a gym membership, and it's one of the most low-stress ways to get moving. even just a 15-20 minute walk can clear your head, boost your mood, and improve your focus if you're trying to work or study. it’s not gonna give you huge muscles, but it’s underrated for overall health and mental clarity.

for example, if you work from home, take a


topic_name: I also have a Snoopy hair dryer
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qz5en6/i_also_have_a_snoopy_hair_dryer/
collected_at: 2026-02-12T00:06:36.789787+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qz5en6", "score": 3425, "num_comments": 45, "created_utc": 1770545807.0, "selftext": "Just saw the post from u/Devious_Pudding and figured I'd share my own example of this quality product", "sort": "hot", "upvote_ratio": 0.99, "author": "GodOfSugarStrychnine"}

selftext:
Just saw the post from u/Devious_Pudding and figured I'd share my own example of this quality product


topic_name: 1 Million views later: The "Cold Wash" FAQ (Dryers, Smells, and Hygiene)
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qms2l0/1_million_views_later_the_cold_wash_faq_dryers/
collected_at: 2026-02-12T00:06:40.492415+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qms2l0", "score": 393, "num_comments": 32, "created_utc": 1769367885.0, "selftext": "Thanks for the insane response to my last post. After 400+ comments, here is the \"Part 2\" on how to actually make this work:\n\nThe Dryer is the real enemy. If you see lint in the trap, that\u2019s your clothes disintegrating. Air dry everything you care about. If they feel stiff, toss them in the dryer on \"No Heat\" for 5 minutes at the end to fluff them up.\n\nTo prevent the \"smelly machine\" issue some mentioned, you must run a 90\u00b0C empty maintenance cycle once a month. Also, leave the door and detergen", "sort": "top", "upvote_ratio": 0.94, "author": "Putrid_Draft378"}

selftext:
Thanks for the insane response to my last post. After 400+ comments, here is the "Part 2" on how to actually make this work:

The Dryer is the real enemy. If you see lint in the trap, that’s your clothes disintegrating. Air dry everything you care about. If they feel stiff, toss them in the dryer on "No Heat" for 5 minutes at the end to fluff them up.

To prevent the "smelly machine" issue some mentioned, you must run a 90°C empty maintenance cycle once a month. Also, leave the door and detergen


topic_name: Is this FI plan legit and is this enough saved for FI in VHCOL?
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000142+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1ql93uv/is_this_fi_plan_legit_and_is_this_enough_saved/

metadata:
{"subreddit": "financialindependence", "post_id": "1ql93uv", "score": 0, "num_comments": 34, "created_utc": 1769217380.0, "selftext": "Hi everyone,\n\nI\u2019m a 41-year-old Senior PM in Big Tech living in the Bay Area. My wife (37) works in academia but will soon move to industry. We have a high HHI ($700k gross) but we also carry significant debt ($2M+ once the ADU we are planning is built) and have a baby planned in 2027.\n\nGiven the uncertainity in the job market, my goal is to progressively reduce reliance on an income on the way to full FI. We\u2019ve engineered a \"Strategic Pivot\" for age 45 that allows us to downshift while building", "sort": "hot", "upvote_ratio": 0.38, "author": "realandnotathrowaway"}

selftext:
Hi everyone,

I’m a 41-year-old Senior PM in Big Tech living in the Bay Area. My wife (37) works in academia but will soon move to industry. We have a high HHI ($700k gross) but we also carry significant debt ($2M+ once the ADU we are planning is built) and have a baby planned in 2027.

Given the uncertainity in the job market, my goal is to progressively reduce reliance on an income on the way to full FI. We’ve engineered a "Strategic Pivot" for age 45 that allows us to downshift while building


topic_name: You know wha they say about bowling... 😂 #pov #bowling #skit #comedy
source: youtube
region: US
url: https://youtube.com/watch?v=dvY6UAn_yyg
collected_at: 2026-02-12T00:04:30.534657
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "dvY6UAn_yyg", "channel": "Avi Akbar", "category": "Entertainment", "category_id": 24, "views": "4203797", "view_count": 4203797, "likes": "207596", "published_at": "2026-02-07T22:03:47Z"}


topic_name: Work 401(k) plus Solo 401(k) for side gig. Am I understanding?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r25e37/work_401k_plus_solo_401k_for_side_gig_am_i/
collected_at: 2026-02-12T00:04:41.815022+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r25e37", "score": 1, "num_comments": 6, "created_utc": 1770834609.0, "selftext": "My wife currently makes **160k** per year through her W2 employer and is considering picking up a side gig which could bring in anywhere from **50k to 120k** per year as a 1099. I make about **850k** per year all as W2. With our HHI I am obviously trying to maximize our tax advantaged retirement savings options and want to make sure I am understanding the Solo 401(k) rules correctly. \n\nRight now she contributes $24,500 to her work 401(k) and gets an employer match of $8,000 for a total pre-tax c", "sort": "hot", "upvote_ratio": 1.0, "author": "FactorGroup"}

selftext:
My wife currently makes **160k** per year through her W2 employer and is considering picking up a side gig which could bring in anywhere from **50k to 120k** per year as a 1099. I make about **850k** per year all as W2. With our HHI I am obviously trying to maximize our tax advantaged retirement savings options and want to make sure I am understanding the Solo 401(k) rules correctly. 

Right now she contributes $24,500 to her work 401(k) and gets an employer match of $8,000 for a total pre-tax c


topic_name: The hospital I work at is likely about to go bankrupt, need advice
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qzqhi1/the_hospital_i_work_at_is_likely_about_to_go/
collected_at: 2026-02-12T00:04:45.418301+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qzqhi1", "score": 246, "num_comments": 68, "created_utc": 1770599378.0, "selftext": "I\u2019ve worked at a non profit hospital for 9 years, after 10 years I can apply for Public service loan forgiveness (PSLF). This month the nurses at my hospital lost their health insurance because the hospital stopped paying the union insurance premiums months ago. I work for a different union in the hospital and our insurance will be cut off in the next month if the hospital doesn\u2019t make a payment on our insurance which they haven\u2019t been paying. I heard rumors that our HR person told the nurses th", "sort": "top", "upvote_ratio": 0.91, "author": "suckinonmytitties"}

selftext:
I’ve worked at a non profit hospital for 9 years, after 10 years I can apply for Public service loan forgiveness (PSLF). This month the nurses at my hospital lost their health insurance because the hospital stopped paying the union insurance premiums months ago. I work for a different union in the hospital and our insurance will be cut off in the next month if the hospital doesn’t make a payment on our insurance which they haven’t been paying. I heard rumors that our HR person told the nurses th


topic_name: Is this a good deal? How do I calculate tax/tags/title/registration feese?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r06nes/is_this_a_good_deal_how_do_i_calculate/
collected_at: 2026-02-12T00:04:50.635841+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r06nes", "score": 0, "num_comments": 3, "created_utc": 1770649746.0, "selftext": "2023 Ford Expedition Limited w/ 303A package, 4WD, list price $56k w/ 18k miles. Some other options from the original window sticker: HD tow package, removed 2nd row one touch windows, removed auto stop-start, &amp; removed hands free liftgate. It appears to be in pretty good condition and the Carfax comes back clean with pretty consistent maintenance. \n\nIt appears to be a pretty good price/value for the year/miles/trim but I'm curious what people in the know might think. Can I negotiate it down", "sort": "hot", "upvote_ratio": 0.5, "author": "Mighty_Mc"}

selftext:
2023 Ford Expedition Limited w/ 303A package, 4WD, list price $56k w/ 18k miles. Some other options from the original window sticker: HD tow package, removed 2nd row one touch windows, removed auto stop-start, &amp; removed hands free liftgate. It appears to be in pretty good condition and the Carfax comes back clean with pretty consistent maintenance. 

It appears to be a pretty good price/value for the year/miles/trim but I'm curious what people in the know might think. Can I negotiate it down


topic_name: How does your dealership handle leads?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qvuite/how_does_your_dealership_handle_leads/
collected_at: 2026-02-12T00:04:53.860427+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qvuite", "score": 13, "num_comments": 21, "created_utc": 1770225399.0, "selftext": "For internet leads, we used to have them round robin-ed and as long as you responded within 15 minutes the lead is yours.\n\nFor phone leads it was sent to managers first then available sales people and round robin-ed again.\n\nWalk in\u2019s and fresh leads are first come first serve unless a manager got to them first.\n\nRecently management changed this and now lowest internet closing rates and phone leads closing rates will not receive any of those leads. So work service and pray someone drives on the l", "sort": "top", "upvote_ratio": 0.84, "author": "Few-Explanation7562"}

selftext:
For internet leads, we used to have them round robin-ed and as long as you responded within 15 minutes the lead is yours.

For phone leads it was sent to managers first then available sales people and round robin-ed again.

Walk in’s and fresh leads are first come first serve unless a manager got to them first.

Recently management changed this and now lowest internet closing rates and phone leads closing rates will not receive any of those leads. So work service and pray someone drives on the l


topic_name: Need advice
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1fbfx/need_advice/
collected_at: 2026-02-12T00:04:59.457613+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1fbfx", "score": 1, "num_comments": 6, "created_utc": 1770762386.0, "selftext": "I currently have some debt racked up and thankfully it\u2019s not anything too insane. I have about 4k in debt. I\u2019m unfortunately a student who is working part-time so I can\u2019t work as much as I\u2019d like to pay these cards off and I can\u2019t just keep paying the minimum on these cards bc the interest just keeps setting me back from paying these cards. I want to consolidate my debt and atp I\u2019m so desperate to get all this stuff paid that I don\u2019t mind high interest rates and paying the extra fees I just need", "sort": "hot", "upvote_ratio": 0.6, "author": "Prestigious-Fig-2003"}

selftext:
I currently have some debt racked up and thankfully it’s not anything too insane. I have about 4k in debt. I’m unfortunately a student who is working part-time so I can’t work as much as I’d like to pay these cards off and I can’t just keep paying the minimum on these cards bc the interest just keeps setting me back from paying these cards. I want to consolidate my debt and atp I’m so desperate to get all this stuff paid that I don’t mind high interest rates and paying the extra fees I just need


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489333+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
Gentle reminder that telling someone "apply for disability" when they are facing immediate financial crisis is not helpful on its own.

url:
https://reddit.com/r/povertyfinance/comments/1qjvg5r/gentle_reminder_that_telling_someone_apply_for/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qjvg5r", "score": 697, "num_comments": 78, "created_utc": 1769090846.0, "selftext": "Outside of work-provided disability insurance, disability (SSI/SSDI) is not something you just apply for and get in a week or a month. Most people who apply are denied the first go around, and that denial can take over a year to even process. With the SSA being gutted, it takes even longer than it used to--I'm only on step 2, and it has been 2 years since I applied. I had short term disability and it has long since run out. \n\nIt's fine to recommend applying for disability to someone. A lot of th", "sort": "top", "upvote_ratio": 0.95, "author": "logalogalogalog_"}

selftext:
Outside of work-provided disability insurance, disability (SSI/SSDI) is not something you just apply for and get in a week or a month. Most people who apply are denied the first go around, and that denial can take over a year to even process. With the SSA being gutted, it takes even longer than it used to--I'm only on step 2, and it has been 2 years since I applied. I had short term disability and it has long since run out. 

It's fine to recommend applying for disability to someone. A lot of th


topic_name: [US]Rushmypassport is such a scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1non6/usrushmypassport_is_such_a_scam/
collected_at: 2026-02-12T00:05:08.886817+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1non6", "score": 0, "num_comments": 21, "created_utc": 1770784305.0, "selftext": "I purchased a '2-day' passport service from a private company but decided to cancel two days later after reading negative reviews. I cancelled within 72 hours and was assured a refund within 5 business days. It has now been 3 weeks, and they are stalling with 'delays.' I am extremely frustrated. Fortunately, I went to a local agency and secured my passport in 3 days for $400, so the private service is definitely not needed. I am considering reporting the transaction as fraudulent to my bank, but", "sort": "hot", "upvote_ratio": 0.36, "author": "Lanky-Bother-1118"}

selftext:
I purchased a '2-day' passport service from a private company but decided to cancel two days later after reading negative reviews. I cancelled within 72 hours and was assured a refund within 5 business days. It has now been 3 weeks, and they are stalling with 'delays.' I am extremely frustrated. Fortunately, I went to a local agency and secured my passport in 3 days for $400, so the private service is definitely not needed. I am considering reporting the transaction as fraudulent to my bank, but


topic_name: [US] Trying to figure out what the angle here is
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qjdseu/us_trying_to_figure_out_what_the_angle_here_is/
collected_at: 2026-02-12T00:05:12.358990+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qjdseu", "score": 71, "num_comments": 33, "created_utc": 1769037617.0, "selftext": "Hello! So I am 99.99% sure this is a scam, I\u2019m just genuinely not sure what the angle is or what he stands to get out of it.\n\nBackground info - I am the office manager for a window cleaning company. This person texted our phone number everything you can read above. He did not call. He wants an estimate for a home window cleaning. Simple enough. \n\nWhy I think it\u2019s a scam - \n\n1. Reading the messages afterwards just has the feel of a scam, idk how to explain that feeling but I\u2019m sure others will kn", "sort": "top", "upvote_ratio": 0.9, "author": "emolyrics"}

selftext:
Hello! So I am 99.99% sure this is a scam, I’m just genuinely not sure what the angle is or what he stands to get out of it.

Background info - I am the office manager for a window cleaning company. This person texted our phone number everything you can read above. He did not call. He wants an estimate for a home window cleaning. Simple enough. 

Why I think it’s a scam - 

1. Reading the messages afterwards just has the feel of a scam, idk how to explain that feeling but I’m sure others will kn


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1p37ro2/google_has_automatically_opted_its_users_into/
collected_at: 2026-02-12T00:05:17.889885+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Google has automatically opted its users into having all emails scanned by and used to train AI.  Can be opted out very meticulously.

metadata:
{"subreddit": "assholedesign", "post_id": "1p37ro2", "score": 5374, "num_comments": 191, "created_utc": 1763753026.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "CHRISTIANBUNDALEVSKI"}


topic_name: ColorStreet begging former stylists (victims) to come back🥴
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qv4ign/colorstreet_begging_former_stylists_victims_to/
collected_at: 2026-02-12T00:05:26.020605+00:00
autocomplete: []
selftext: Color Street: We miss you! Me: Well, this is awkward….I haven’t thought about you in 5 years🤦🏼‍♀️
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qv4ign", "score": 125, "num_comments": 36, "created_utc": 1770153332.0, "selftext": "Color Street: We miss you!\n\nMe: Well, this is awkward\u2026.I haven\u2019t thought about you in 5 years\ud83e\udd26\ud83c\udffc\u200d\u2640\ufe0f", "sort": "hot", "upvote_ratio": 1.0, "author": "-IneedCoffee-"}


topic_name: Auto claim deductible recovery
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1fgac/auto_claim_deductible_recovery/
collected_at: 2026-02-12T00:05:44.256774+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1fgac", "score": 2, "num_comments": 3, "created_utc": 1770762691.0, "selftext": "Back in November i was in an accident where the other driver was at fault. I have dash footage, police report, etc. My insurance found her at fault and covered my damages except for a $500 deductible, which they then tried to recover. I heard back from my insurance today and they said they were \u201cunable to collect from the responsible party\u201d and their attorney will be sending me a letter to sign so they can \u201cinclude my deductible.\u201d\n\nWhat does this mean? Obviously she ghosted her insurance, which ", "sort": "hot", "upvote_ratio": 1.0, "author": "strwbryymilk"}

selftext:
Back in November i was in an accident where the other driver was at fault. I have dash footage, police report, etc. My insurance found her at fault and covered my damages except for a $500 deductible, which they then tried to recover. I heard back from my insurance today and they said they were “unable to collect from the responsible party” and their attorney will be sending me a letter to sign so they can “include my deductible.”

What does this mean? Obviously she ghosted her insurance, which 


topic_name: Other driver has gotten a lawyer.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qu44zl/other_driver_has_gotten_a_lawyer/
collected_at: 2026-02-12T00:05:47.658469+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qu44zl", "score": 10, "num_comments": 15, "created_utc": 1770058818.0, "selftext": "I was in a car accident about half year ago. Cars are totaled.\n\nThe police report indicates there was NO injury at the accident. I also have taken pictures of the scene. From pictures, other driver appeared ok. I have forwarded/uploaded the information to the insurance.\n\nAbout 2 weeks after accident, I was informed by my adjuster that other driver has gotten a lawyer. Then some days later, the insurance settled the property damages.\n\nFast forward 6 months later, the claim is still open and I hav", "sort": "top", "upvote_ratio": 0.78, "author": "breadTea2014"}

selftext:
I was in a car accident about half year ago. Cars are totaled.

The police report indicates there was NO injury at the accident. I also have taken pictures of the scene. From pictures, other driver appeared ok. I have forwarded/uploaded the information to the insurance.

About 2 weeks after accident, I was informed by my adjuster that other driver has gotten a lawyer. Then some days later, the insurance settled the property damages.

Fast forward 6 months later, the claim is still open and I hav


topic_name: Possible new EU law on dark patterns
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1m2fw8p/possible_new_eu_law_on_dark_patterns/
collected_at: 2026-02-12T00:05:53.366434+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1m2fw8p", "score": 33, "num_comments": 0, "created_utc": 1752778277.0, "selftext": "The European Commission just launched an open public consultation on a future law called the Digital Fairness Act (due in late 2026), which could prohibit dark patterns, addictive design, other problematic features (e.g. loot boxes in video games), introduce an easy click-to-cancel rule for ending subscriptions and a right to a human interlocutor when AI chatbots are used for customer service etc. Citizens can express their support by answering the consultation questionnaire.", "sort": "hot", "upvote_ratio": 1.0, "author": "nylege"}

selftext:
The European Commission just launched an open public consultation on a future law called the Digital Fairness Act (due in late 2026), which could prohibit dark patterns, addictive design, other problematic features (e.g. loot boxes in video games), introduce an easy click-to-cancel rule for ending subscriptions and a right to a human interlocutor when AI chatbots are used for customer service etc. Citizens can express their support by answering the consultation questionnaire.


topic_name: Brand name TP "forever roll" - good deal?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qx4zui/brand_name_tp_forever_roll_good_deal/
collected_at: 2026-02-12T00:06:01.657040+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qx4zui", "score": 11, "num_comments": 40, "created_utc": 1770343927.0, "selftext": "Has anyone done the math recently on the Charmin \"Forever Roll\"? Is it any cheaper per unit than, say, the nicer Aldi or other store brand toilet paper? It's been marketed as a frugal option, but my instinct is that it's still more expensive. \n\nI searched the sub for posts on this but couldn't find any less than 7 years old. And a lot happened in the uh toilet paper economy between now and then! Remember trying to buy toilet paper in March 2020? \n\nAnyway, thanks! ", "sort": "hot", "upvote_ratio": 0.63, "author": "paklab"}

selftext:
Has anyone done the math recently on the Charmin "Forever Roll"? Is it any cheaper per unit than, say, the nicer Aldi or other store brand toilet paper? It's been marketed as a frugal option, but my instinct is that it's still more expensive. 

I searched the sub for posts on this but couldn't find any less than 7 years old. And a lot happened in the uh toilet paper economy between now and then! Remember trying to buy toilet paper in March 2020? 

Anyway, thanks! 


topic_name: Help with food hoarding when you see a good deal.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qptlp4/help_with_food_hoarding_when_you_see_a_good_deal/
collected_at: 2026-02-12T00:06:05.044615+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qptlp4", "score": 254, "num_comments": 105, "created_utc": 1769647555.0, "selftext": "I grew super poor, in a fend for yourself kinda house.  So I never had snacks and such. If we had name brand treats you\u2019d have to eat it or it\u2019s gone. \n\nWell this has me buying too much shit at the discount store because it\u2019s such a good deal. Like I bought sparkle waters at one store, the went to another store where topochicos were super cheapso I got another dozen cause I\u2019d never get them other wise. So here I am stocking up on stuff I\u2019d prob never buy at a grocery store because of the novelty", "sort": "top", "upvote_ratio": 0.93, "author": "MathCrank"}

selftext:
I grew super poor, in a fend for yourself kinda house.  So I never had snacks and such. If we had name brand treats you’d have to eat it or it’s gone. 

Well this has me buying too much shit at the discount store because it’s such a good deal. Like I bought sparkle waters at one store, the went to another store where topochicos were super cheapso I got another dozen cause I’d never get them other wise. So here I am stocking up on stuff I’d prob never buy at a grocery store because of the novelty


topic_name: Question about getting another credit card
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1ym0l/question_about_getting_another_credit_card/
collected_at: 2026-02-12T00:06:10.588001+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1ym0l", "score": 1, "num_comments": 3, "created_utc": 1770819589.0, "selftext": "I just got a Citi custom cash card maybe 3 weeks ago can I get the Wells Fargo autograph journey or Capital One venture rewards card or is it too soon I\u2019m pre approved for both.", "sort": "hot", "upvote_ratio": 0.67, "author": "TysonChickenNugget71"}

selftext:
I just got a Citi custom cash card maybe 3 weeks ago can I get the Wells Fargo autograph journey or Capital One venture rewards card or is it too soon I’m pre approved for both.


topic_name: So I got 3% rewards from paying rent with BOFA Customized Cash Rewards
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qelpjr/so_i_got_3_rewards_from_paying_rent_with_bofa/
collected_at: 2026-02-12T00:06:13.782191+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qelpjr", "score": 81, "num_comments": 47, "created_utc": 1768583205.0, "selftext": "Not sure if this is a known fact here but I just found out about this myself by accident.\n\n  \nI happened to use my BOFA Customized Cash Rewards card to pay a small part of my rent ($50) online. \"Online shopping\"\u00a0is my current \"Bonus Category\".\n\nTo my surprise, I just checked my Reward transactions and found that I got $1.50 rewards!\n\nI assume \"Online shopping\" will apply to any transactions made online.\n\nI think I'm gonna use it to pay my rent from now on, capped at $2,500 per quarter though, pr", "sort": "top", "upvote_ratio": 0.93, "author": "PineRoad"}

selftext:
Not sure if this is a known fact here but I just found out about this myself by accident.

  
I happened to use my BOFA Customized Cash Rewards card to pay a small part of my rent ($50) online. "Online shopping" is my current "Bonus Category".

To my surprise, I just checked my Reward transactions and found that I got $1.50 rewards!

I assume "Online shopping" will apply to any transactions made online.

I think I'm gonna use it to pay my rent from now on, capped at $2,500 per quarter though, pr


topic_name: The company that laid me off has not paid me severance per our agreement
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r24593/the_company_that_laid_me_off_has_not_paid_me/
collected_at: 2026-02-12T00:06:18.920980+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r24593", "score": 2, "num_comments": 12, "created_utc": 1770831989.0, "selftext": "Location: Idaho\n\nHi all, I unfortunately got laid off from my place of work back in January. After I was laid off, the company sent me an agreement document to sign with several rules I must follow in order to receive my severance pay. One of the stipulations in the agreement states \"the severance shall be mailed or directly deposited into Employee's bank account within fifteen (15) business days following the date of receipt of a fully executed agreement from employee\"\n\nI signed and sent the do", "sort": "hot", "upvote_ratio": 1.0, "author": "sma11_0ne"}

selftext:
Location: Idaho

Hi all, I unfortunately got laid off from my place of work back in January. After I was laid off, the company sent me an agreement document to sign with several rules I must follow in order to receive my severance pay. One of the stipulations in the agreement states "the severance shall be mailed or directly deposited into Employee's bank account within fifteen (15) business days following the date of receipt of a fully executed agreement from employee"

I signed and sent the do


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qd72em/tow_company_deflated_tires_to_create_excuse_for/
collected_at: 2026-02-12T00:06:22.356653+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Tow company deflated tires to create excuse for accidental tow after the fact - also damaged AWD by towing without dollies. Advice?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qd72em", "score": 638, "num_comments": 21, "created_utc": 1768443569.0, "selftext": "Location: Utah\n\nTow company accidentally grabbed wife's car insisting that it didn't have a parking permit. When I told them it did, the excuse immediately changed to it having flat tires and being inoperable. Car had been driven only hours before and it nags us the second it's a few PSI off.\n\nGot to the lot and car is sitting on all 4 rims in a gravel lot. Attendant shows up, we pay to at least stop the bleeding while we dispute, and I grabbed my air tank out of the van to fill the tires. Immed", "sort": "top", "upvote_ratio": 0.98, "author": "Amaranth_and_Ash"}

selftext:
Location: Utah

Tow company accidentally grabbed wife's car insisting that it didn't have a parking permit. When I told them it did, the excuse immediately changed to it having flat tires and being inoperable. Car had been driven only hours before and it nags us the second it's a few PSI off.

Got to the lot and car is sitting on all 4 rims in a gravel lot. Attendant shows up, we pay to at least stop the bleeding while we dispute, and I grabbed my air tank out of the van to fill the tires. Immed


topic_name: LPT: If you’re unsure whether to keep a piece of clothing, wear it once on a “bad” day
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qqwztc/lpt_if_youre_unsure_whether_to_keep_a_piece_of/
collected_at: 2026-02-12T00:06:28.286167+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qqwztc", "score": 3149, "num_comments": 109, "created_utc": 1769751738.0, "selftext": "If you can\u2019t decide whether to keep or get rid of a piece of clothing, wear it on a day when you\u2019re tired, busy, or in a bad mood.\n\nOn good days, almost anything feels \u201cfine.\u201d But on bad days, clothes that are uncomfortable, impractical, or don\u2019t really fit your lifestyle become obvious very quickly. You\u2019ll notice if it restricts movement, needs constant adjusting, wrinkles easily, or just annoys you.\n\nIf you actively dislike wearing it on a bad day, it\u2019s probably not worth keeping \u2014 no matter h", "sort": "hot", "upvote_ratio": 0.94, "author": "N1ck_Dev"}

selftext:
If you can’t decide whether to keep or get rid of a piece of clothing, wear it on a day when you’re tired, busy, or in a bad mood.

On good days, almost anything feels “fine.” But on bad days, clothes that are uncomfortable, impractical, or don’t really fit your lifestyle become obvious very quickly. You’ll notice if it restricts movement, needs constant adjusting, wrinkles easily, or just annoys you.

If you actively dislike wearing it on a bad day, it’s probably not worth keeping — no matter h


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qcsddp/lpt_if_someone_says_pick_a_time_that_works_for/
collected_at: 2026-02-12T00:06:31.302183+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If someone says "pick a time that works for you," always give 2 specific options, not an open question back

metadata:
{"subreddit": "LifeProTips", "post_id": "1qcsddp", "score": 1436, "num_comments": 50, "created_utc": 1768409314.0, "selftext": "Bad response:\n\n\"When works for you?\"\n\n\n\nNow you're playing email ping pong forever.\n\n\n\nGood response:\n\n\"I'm free Tuesday 2pm or Wednesday 10am - which is better for you?\"\n\n\n\nGets scheduled in one email instead of five.\n\n\n\nSame applies to:\n\n Restaurant choices: \"Thai or Italian?\"\n\nMeeting formats: \"Call or Zoom?\"\n\nAnything with decisions: Give 2 options\n\n\n\nMakes you look organized and saves everyone time.", "sort": "top", "upvote_ratio": 0.98, "author": "Constant_Border_8994"}

selftext:
Bad response:

"When works for you?"



Now you're playing email ping pong forever.



Good response:

"I'm free Tuesday 2pm or Wednesday 10am - which is better for you?"



Gets scheduled in one email instead of five.



Same applies to:

 Restaurant choices: "Thai or Italian?"

Meeting formats: "Call or Zoom?"

Anything with decisions: Give 2 options



Makes you look organized and saves everyone time.


