# trend_items

topic_name: Try to fix 15-year-old GE fridge, or buy a new one?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r19lg4/try_to_fix_15yearold_ge_fridge_or_buy_a_new_one/
collected_at: 2026-02-12T00:06:36.789690+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r19lg4", "score": 6, "num_comments": 9, "created_utc": 1770749807.0, "selftext": "The old fridge stopped keeping the food cold but the light still works. I have already had to replace one part (i forget which but i think it was about 200), and also add a plastic bag where the door insulation tore. \n\nRepair guy charges 75 for the consultation. Worth it?\n\nMy max budget for a new fridge would be 500, so not buy it for life territory unfortunately. Maybe if I can fix my existing one I can save up for that instead. No guarantee it's fixable though...", "sort": "hot", "upvote_ratio": 0.87, "author": "booty_sattva"}

selftext:
The old fridge stopped keeping the food cold but the light still works. I have already had to replace one part (i forget which but i think it was about 200), and also add a plastic bag where the door insulation tore. 

Repair guy charges 75 for the consultation. Worth it?

My max budget for a new fridge would be 500, so not buy it for life territory unfortunately. Maybe if I can fix my existing one I can save up for that instead. No guarantee it's fixable though...


topic_name: Wife's West German Birkenstocks
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qnri1j/wifes_west_german_birkenstocks/
collected_at: 2026-02-12T00:06:40.492286+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qnri1j", "score": 835, "num_comments": 44, "created_utc": 1769458486.0, "selftext": "My wife is very proud of these. She bought them used from a consignment shop in Washington, DC in 2005. As you can see, they were made at least 15 years prior, though the factory stamp I suppose could have lingered for years after the wall fell. The straps did separate from the bottoms in the late aughts, but a clever Kyrgyzstani stitched them back up for her. She doesn't wear them as full time as she used to, almost daily for at least some length of time now that they're around-the-neighborhood", "sort": "top", "upvote_ratio": 0.97, "author": "schpuz"}

selftext:
My wife is very proud of these. She bought them used from a consignment shop in Washington, DC in 2005. As you can see, they were made at least 15 years prior, though the factory stamp I suppose could have lingered for years after the wall fell. The straps did separate from the bottoms in the late aughts, but a clever Kyrgyzstani stitched them back up for her. She doesn't wear them as full time as she used to, almost daily for at least some length of time now that they're around-the-neighborhood


topic_name: Daily FI discussion thread - Saturday, January 31, 2026
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000051+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qrygl7/daily_fi_discussion_thread_saturday_january_31/

metadata:
{"subreddit": "financialindependence", "post_id": "1qrygl7", "score": 40, "num_comments": 222, "created_utc": 1769853647.0, "selftext": "Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!\n\nHave a look at the\u00a0[FAQ](https://www.reddit.com/r/financialindependence/wiki/faq)\u00a0for this subreddit before posting to see if your question is frequently asked.\n\nSince this post does tend to get busy", "sort": "hot", "upvote_ratio": 0.86, "author": "AutoModerator"}

selftext:
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!

Have a look at the [FAQ](https://www.reddit.com/r/financialindependence/wiki/faq) for this subreddit before posting to see if your question is frequently asked.

Since this post does tend to get busy


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397230+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What technologies and innovations make Apple's affordable products exciting, and how do they impact the consumer experience?

metadata:
{"original_headline": "Apple\u2019s most affordable products are about to get a lot more exciting - 9to5Mac", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Joe Rogan Reacts To Slap Knockout
source: youtube
region: US
url: https://youtube.com/watch?v=j2qkyJGnkcY
collected_at: 2026-02-12T00:04:30.766103
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "j2qkyJGnkcY", "channel": "Cuts", "category": "Sports", "category_id": 17, "views": "6015259", "view_count": 6015259, "likes": "154992", "published_at": "2026-02-09T15:59:06Z"}


topic_name: What a cardiologist eats in a day for better heart health - The Washington Post
source: google_news
region: US
collected_at: 2026-02-12T00:04:32.195532
autocomplete: []
category: Headlines
reddit_subreddits: []
signal_type: news_context
url:

metadata:
{"published": "Wed, 11 Feb 2026 19:00:00 GMT", "source_publication": "The Washington Post", "category": "Headlines"}


topic_name: Help with Proposed Financial Plan
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2b47s/help_with_proposed_financial_plan/
collected_at: 2026-02-12T00:04:41.814920+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2b47s", "score": 1, "num_comments": 10, "created_utc": 1770847360.0, "selftext": "Hello,\n\nI recently began meeting with a CFP that works for a subsidiary of New York Life Insurance. The main item I was looking for help with is investing my non emergency cash savings better - about $200k. After several meetings they eventually recommended a portfolio that focuses 98% of the money into municipal bonds and 2% into cash value life insurance.\n\nI\u2019m 30, not married with no dependents, living in CA. I don\u2019t really have a need for life insurance at the moment, and it seems almost cert", "sort": "hot", "upvote_ratio": 1.0, "author": "Upper-Insurance-5493"}

selftext:
Hello,

I recently began meeting with a CFP that works for a subsidiary of New York Life Insurance. The main item I was looking for help with is investing my non emergency cash savings better - about $200k. After several meetings they eventually recommended a portfolio that focuses 98% of the money into municipal bonds and 2% into cash value life insurance.

I’m 30, not married with no dependents, living in CA. I don’t really have a need for life insurance at the moment, and it seems almost cert


topic_name: Should I buy a duplex and continue living with parents at 22
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418215+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qehfjo/should_i_buy_a_duplex_and_continue_living_with/

metadata:
{"subreddit": "personalfinance", "post_id": "1qehfjo", "score": 344, "num_comments": 155, "created_utc": 1768573758.0, "selftext": "I\u2019m 22 make 120 K a year and I maxed out my 401(k). I\u2019m allowed to live with my parents as long as I want and I plan to live there until at least 25. I have 100 K in my Roth 401(k) 32K in my savings and 6k in an investment account. I wanna make my money work for me and make more money. I\u2019m just not sure what I should get into.", "sort": "top", "upvote_ratio": 0.82, "author": "Powerful-Success-602"}

selftext:
I’m 22 make 120 K a year and I maxed out my 401(k). I’m allowed to live with my parents as long as I want and I plan to live there until at least 25. I have 100 K in my Roth 401(k) 32K in my savings and 6k in an investment account. I wanna make my money work for me and make more money. I’m just not sure what I should get into.


topic_name: Bought a new car last year and never went back to the dealer for service. Is that normal?
source: reddit
region: global
collected_at: 2026-02-12T00:04:50.635743+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1r1eevd/bought_a_new_car_last_year_and_never_went_back_to/

metadata:
{"subreddit": "askcarsales", "post_id": "1r1eevd", "score": 0, "num_comments": 11, "created_utc": 1770760315.0, "selftext": "Hey all. I bought a new car about a year ago from a local dealer. Sales process was fine, nothing crazy good or bad. At the time I assumed I would just keep going back there for service since that is what I had always heard you are supposed to do.\n\nFirst oil change I went to a shop closer to my house because it was faster. Then I just kept going there. Now I have done oil changes, brakes, and a couple other things and I have never actually gone back to the dealer I bought the car from.\n\nI\u2019ve got", "sort": "hot", "upvote_ratio": 0.38, "author": "Keatobot"}

selftext:
Hey all. I bought a new car about a year ago from a local dealer. Sales process was fine, nothing crazy good or bad. At the time I assumed I would just keep going back there for service since that is what I had always heard you are supposed to do.

First oil change I went to a shop closer to my house because it was faster. Then I just kept going there. Now I have done oil changes, brakes, and a couple other things and I have never actually gone back to the dealer I bought the car from.

I’ve got


topic_name: What appraisal/valuation tools are you using?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qtehkp/what_appraisalvaluation_tools_are_you_using/
collected_at: 2026-02-12T00:04:53.860322+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qtehkp", "score": 22, "num_comments": 7, "created_utc": 1769988608.0, "selftext": "Just opened a new shop and getting sticker shock on software costs. Old place used Carfax for valuations but I'm getting quoted around $30k/year for our volume. What's everyone else running for appraisals? Looking for something accurate that won't break the bank. Independent lot if that matters.", "sort": "top", "upvote_ratio": 1.0, "author": "Powerful_Custard4919"}

selftext:
Just opened a new shop and getting sticker shock on software costs. Old place used Carfax for valuations but I'm getting quoted around $30k/year for our volume. What's everyone else running for appraisals? Looking for something accurate that won't break the bank. Independent lot if that matters.


topic_name: Poverty finance tip that helped me
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r16w2l/poverty_finance_tip_that_helped_me/
collected_at: 2026-02-12T00:04:59.457508+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r16w2l", "score": 23, "num_comments": 0, "created_utc": 1770744055.0, "selftext": "when money is really tight, the goal is not getting rich. It\u2019s staying stable. I started focusing on basics only: rent, food, bills. Everything else is extra.\n\nI also stopped feeling bad for not saving much. Even saving $5 counts. It\u2019s better than zero.\n\nMost important thing I learned: don\u2019t blame yourself. Being broke is often not a personal failure.", "sort": "hot", "upvote_ratio": 0.93, "author": "Noobsamaniac"}

selftext:
when money is really tight, the goal is not getting rich. It’s staying stable. I started focusing on basics only: rent, food, bills. Everything else is extra.

I also stopped feeling bad for not saving much. Even saving $5 counts. It’s better than zero.

Most important thing I learned: don’t blame yourself. Being broke is often not a personal failure.


topic_name: Increasingly, your quality of life in the U.S seems to be fixed at birth
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489252+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qnhv64/increasingly_your_quality_of_life_in_the_us_seems/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qnhv64", "score": 1125, "num_comments": 191, "created_utc": 1769438578.0, "selftext": "Born to rich parents in a fancy subdivision or gated community? Well, you\u2019ll have access to high quality schools, food, healthcare, water and overall quality of life\u2014shielded from objective reality completely! Your parents will get you involved in extracurricular activities which will foster social connections early on and greatly improve your well-being. You\u2019ll go through middle and high school making memories to last a lifetime. By the time you\u2019re at college, you\u2019ll have enough money from momm", "sort": "top", "upvote_ratio": 0.91, "author": "Cardiologist3mpty138"}

selftext:
Born to rich parents in a fancy subdivision or gated community? Well, you’ll have access to high quality schools, food, healthcare, water and overall quality of life—shielded from objective reality completely! Your parents will get you involved in extracurricular activities which will foster social connections early on and greatly improve your well-being. You’ll go through middle and high school making memories to last a lifetime. By the time you’re at college, you’ll have enough money from momm


topic_name: Cursiv über Insta ... Achtung!
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r25lfw/cursiv_über_insta_achtung/
collected_at: 2026-02-12T00:05:08.886716+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r25lfw", "score": 0, "num_comments": 4, "created_utc": 1770835056.0, "selftext": "Ich habe \u00fcber Insta nur f\u00fcr einen AI Testlehrgang im Oktober 2025 gebucht, dieser war eine einmalige Zahlung, explizit kein Abo. Die haben mir gleichzeitig ein AI-Tool (\"Notion\") verkauft, ohne meine Zusstimmung. Ich habe reklamiert und der Betrag war sofort erstattet. F\u00fcr mich war die Sache erledigt. Zwei Monate (!) sp\u00e4ter ziehen die 47,59\u20ac und einen Monat sp\u00e4ter nochmal 47,59\u20ac \u00fcber mein Paypal account. Ich habe bei Paypal reklamiert, heute kam die Antwort und es wurde gegen mich entschieden.  ", "sort": "hot", "upvote_ratio": 0.14, "author": "Sad-Application-7803"}

selftext:
Ich habe über Insta nur für einen AI Testlehrgang im Oktober 2025 gebucht, dieser war eine einmalige Zahlung, explizit kein Abo. Die haben mir gleichzeitig ein AI-Tool ("Notion") verkauft, ohne meine Zusstimmung. Ich habe reklamiert und der Betrag war sofort erstattet. Für mich war die Sache erledigt. Zwei Monate (!) später ziehen die 47,59€ und einen Monat später nochmal 47,59€ über mein Paypal account. Ich habe bei Paypal reklamiert, heute kam die Antwort und es wurde gegen mich entschieden.  


topic_name: USA Tenant is being romance scammed and refuses believe it
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qqas83/usa_tenant_is_being_romance_scammed_and_refuses/
collected_at: 2026-02-12T00:05:12.358898+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qqas83", "score": 136, "num_comments": 93, "created_utc": 1769698686.0, "selftext": "Asking for advice. One of my tenants is involved in a romance/valentine scam. She met \"him\" on Facebook Dating almost a year ago. They have never met in person or video chatted, she calls him her boyfriend. He has a house in FL and says he is going to move to AZ or Canada soon. He is from Germany and a contractor so travels a lot. \n\nAnyways onto the scam... She has been receiving checks and wires for him. She is depositing these funds into her personal bank account and sending then funds out to ", "sort": "top", "upvote_ratio": 0.97, "author": "Fun_Patient_6233"}

selftext:
Asking for advice. One of my tenants is involved in a romance/valentine scam. She met "him" on Facebook Dating almost a year ago. They have never met in person or video chatted, she calls him her boyfriend. He has a house in FL and says he is going to move to AZ or Canada soon. He is from Germany and a contractor so travels a lot. 

Anyways onto the scam... She has been receiving checks and wires for him. She is depositing these funds into her personal bank account and sending then funds out to 


topic_name: Telegram forcing Premium just to block strangers from DMing me is insane
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889794+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1pzmcpn/telegram_forcing_premium_just_to_block_strangers/

metadata:
{"subreddit": "assholedesign", "post_id": "1pzmcpn", "score": 752, "num_comments": 148, "created_utc": 1767111745.0, "selftext": "on Telegram. I went to Privacy \u2192 Messages to restrict who can DM me, and the only way to stop random people is either:\n\n\t\u2022\tAllow Everybody, or\n\n\t\u2022\tPay for Telegram Premium to limit messages to contacts / charge strangers\n\nThis is basic privacy. Blocking unsolicited DMs should NOT be a paid feature. I\u2019m literally being forced to choose between harassment or paying to protect myself.\n\nBefore anyone says \u201cjust block them\u201d that doesn\u2019t solve the core problem. New accounts can still message me unless", "sort": "hot", "upvote_ratio": 0.93, "author": "lsiinc"}

selftext:
on Telegram. I went to Privacy → Messages to restrict who can DM me, and the only way to stop random people is either:

	•	Allow Everybody, or

	•	Pay for Telegram Premium to limit messages to contacts / charge strangers

This is basic privacy. Blocking unsolicited DMs should NOT be a paid feature. I’m literally being forced to choose between harassment or paying to protect myself.

Before anyone says “just block them” that doesn’t solve the core problem. New accounts can still message me unless


topic_name: My response to a Bravenly hun in a breastfeeding support group
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxorf1/my_response_to_a_bravenly_hun_in_a_breastfeeding/
collected_at: 2026-02-12T00:05:26.020514+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxorf1", "score": 268, "num_comments": 45, "created_utc": 1770400593.0, "selftext": "My girl was born a couple weeks ago at 27 weeks and I\u2019m exclusively pumping for her, so this hit a sore spot with me. I\u2019ve struggled with milk supply with all three of my babies and in my experience, no supplement or herb has made a difference. ", "sort": "hot", "upvote_ratio": 0.99, "author": "curlycattails"}

selftext:
My girl was born a couple weeks ago at 27 weeks and I’m exclusively pumping for her, so this hit a sore spot with me. I’ve struggled with milk supply with all three of my babies and in my experience, no supplement or herb has made a difference. 


topic_name: Bonus payment?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qg25yc/bonus_payment/
collected_at: 2026-02-12T00:05:30.135143+00:00
autocomplete: []
selftext: Do you get a bonus payment for wearing this crime against fashion out in public?
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qg25yc", "score": 179, "num_comments": 65, "created_utc": 1768721134.0, "selftext": "Do you get a bonus payment for wearing this crime against fashion out in public?", "sort": "top", "upvote_ratio": 0.99, "author": "kbin1970"}


topic_name: House fire rebuild question
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1ws5g/house_fire_rebuild_question/
collected_at: 2026-02-12T00:05:44.256680+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1ws5g", "score": 1, "num_comments": 4, "created_utc": 1770814933.0, "selftext": "My wife and I recently changed our insurance for home to full replacement coverage but when we were talking the other night about what ifs and we didn't know the answer on how it would work if we lost home in a fire.\n\n Do we have to rebuild the exact home ? If they quoted us 400k to rebuild could we build anything we wanted if it came in under or at 400k? and would be responsible for anything over that mark ?\n\n  \nSide question does insurance allow you to do some of the work yourself to save some", "sort": "hot", "upvote_ratio": 1.0, "author": "MyyNameIsHuman"}

selftext:
My wife and I recently changed our insurance for home to full replacement coverage but when we were talking the other night about what ifs and we didn't know the answer on how it would work if we lost home in a fire.

 Do we have to rebuild the exact home ? If they quoted us 400k to rebuild could we build anything we wanted if it came in under or at 400k? and would be responsible for anything over that mark ?

  
Side question does insurance allow you to do some of the work yourself to save some


topic_name: Does insurance cover storm damage roof repair in Florida?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qjubmm/does_insurance_cover_storm_damage_roof_repair_in/
collected_at: 2026-02-12T00:05:47.658387+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qjubmm", "score": 18, "num_comments": 9, "created_utc": 1769087980.0, "selftext": "My roof got damaged in the last storm missing shingles and a small leak. Does homeowners insurance usually cover storm roof repairs here? Any tips on filing a claim or things to watch out for? Thanks!", "sort": "top", "upvote_ratio": 0.87, "author": "Mugahad_Gavrilis"}

selftext:
My roof got damaged in the last storm missing shingles and a small leak. Does homeowners insurance usually cover storm roof repairs here? Any tips on filing a claim or things to watch out for? Thanks!


topic_name: A screen to choose payment method... but the button is for Business Prime signup
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366347+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1p3c38n/a_screen_to_choose_payment_method_but_the_button/

metadata:
{"subreddit": "darkpatterns", "post_id": "1p3c38n", "score": 23, "num_comments": 0, "created_utc": 1763763342.0, "selftext": "What about the payment method? Do they want me to just click the yellow button quickly and not notice it's a signup for something extra? Does the \"No, thanks\" button still select the payment method I want (yes apparently so, but that's terrible UI).\n\nAmazon Business \ud83d\ude12\n\nAmazon Tricks", "sort": "hot", "upvote_ratio": 0.97, "author": "hikingmike"}

selftext:
What about the payment method? Do they want me to just click the yellow button quickly and not notice it's a signup for something extra? Does the "No, thanks" button still select the payment method I want (yes apparently so, but that's terrible UI).

Amazon Business 😒

Amazon Tricks


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qyoz84/if_youre_dining_out_with_a_largeish_group_and/
collected_at: 2026-02-12T00:06:01.656949+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
If you’re dining out with a large-ish group and split the bill evenly, how do you make sure the bill is correct/not extra charges by mistake?

metadata:
{"subreddit": "Frugal", "post_id": "1qyoz84", "score": 37, "num_comments": 80, "created_utc": 1770497315.0, "selftext": "I mean, unless you pass the bill around the table and everyone takes a pen and crosses off their order, how would you know if something was on the bill by mistake? Does that make sense? By chance I \\*did\\* catch an erroneous charge so now I\u2019m wondering if it happens more often than I realize. \n\nHow do you usually handle group bills? Do you split evenly, request separate checks, everyone puts in for what they order (I often find in this last way people don\u2019t put in enough for their sales tax/forg", "sort": "hot", "upvote_ratio": 0.67, "author": "dms2628"}

selftext:
I mean, unless you pass the bill around the table and everyone takes a pen and crosses off their order, how would you know if something was on the bill by mistake? Does that make sense? By chance I \*did\* catch an erroneous charge so now I’m wondering if it happens more often than I realize. 

How do you usually handle group bills? Do you split evenly, request separate checks, everyone puts in for what they order (I often find in this last way people don’t put in enough for their sales tax/forg


topic_name: Want to eat out less but struggling with the psychology of it
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qghv6i/want_to_eat_out_less_but_struggling_with_the/
collected_at: 2026-02-12T00:06:05.044536+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qghv6i", "score": 367, "num_comments": 501, "created_utc": 1768764539.0, "selftext": "My husband and I are trying to be a bit more frugal and know that eating out is a problem area in our budget. Whenever we try to cut back, we run into barriers. We know HOW (meal plan, grocery shop, cook at home), but actually doing it is harder.\n\nWe are tired. We work full time, long commutes, small child and another on the way. And we\u2019re maybe a little bit sad? And a meal we don\u2019t have to plan and cook is a bit of a pick-me-up on rough days. The mental labor of regularly keeping up with meal p", "sort": "top", "upvote_ratio": 0.89, "author": "oodlesofotters"}

selftext:
My husband and I are trying to be a bit more frugal and know that eating out is a problem area in our budget. Whenever we try to cut back, we run into barriers. We know HOW (meal plan, grocery shop, cook at home), but actually doing it is harder.

We are tired. We work full time, long commutes, small child and another on the way. And we’re maybe a little bit sad? And a meal we don’t have to plan and cook is a bit of a pick-me-up on rough days. The mental labor of regularly keeping up with meal p


topic_name: Citi Thankyou Deferred interest question.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r20oe6/citi_thankyou_deferred_interest_question/
collected_at: 2026-02-12T00:06:10.587908+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r20oe6", "score": 2, "num_comments": 4, "created_utc": 1770824411.0, "selftext": "So, citi Thankyou did a promotion on deferred interest financing last year. Terms are 6 mouths on 199 to 548.99 and 18 months on 549 and over. I made some purchases  last year, and I have 2 balances that expire next month. they took away the option to allocate payments online, so I have to call. but the other shady thing is they changed the expiration dates on all of my deferred balances to 2027. In January and this months statements show the change. \n\nAre they trying to pull a fast one on me to", "sort": "hot", "upvote_ratio": 1.0, "author": "scat392rt"}

selftext:
So, citi Thankyou did a promotion on deferred interest financing last year. Terms are 6 mouths on 199 to 548.99 and 18 months on 549 and over. I made some purchases  last year, and I have 2 balances that expire next month. they took away the option to allocate payments online, so I have to call. but the other shady thing is they changed the expiration dates on all of my deferred balances to 2027. In January and this months statements show the change. 

Are they trying to pull a fast one on me to


topic_name: Bilt Palladium | ~3.33%+ on all spend | Capped at 75% of Rent
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qcvpdw/bilt_palladium_333_on_all_spend_capped_at_75_of/
collected_at: 2026-02-12T00:06:13.782107+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qcvpdw", "score": 111, "num_comments": 197, "created_utc": 1768416519.0, "selftext": "I know losing free points on rent sucks, but there's a chance that Bilt 2.0 may still work for some people. In fact, it already beats a lot of competition if you can make rent payments or mortgage with it.\n\nBilt Cash is **3:1** when used for rent payments, this sets the floor redemption value:\n\n* The Bilt Palladium is a **3.33% on everyday spending**, capped at 75% of rent/mortgage, not too shabby. \n\n* Obsidian is ~**4.33** on dining or grocery\n\n* Even the $0 AF card is **~2.33%** on spend.\n\n* B", "sort": "top", "upvote_ratio": 0.79, "author": "kmn6784"}

selftext:
I know losing free points on rent sucks, but there's a chance that Bilt 2.0 may still work for some people. In fact, it already beats a lot of competition if you can make rent payments or mortgage with it.

Bilt Cash is **3:1** when used for rent payments, this sets the floor redemption value:

* The Bilt Palladium is a **3.33% on everyday spending**, capped at 75% of rent/mortgage, not too shabby. 

* Obsidian is ~**4.33** on dining or grocery

* Even the $0 AF card is **~2.33%** on spend.

* B


topic_name: Order of Protection
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2d6tw/order_of_protection/
collected_at: 2026-02-12T00:06:18.920886+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2d6tw", "score": 1, "num_comments": 3, "created_utc": 1770852236.0, "selftext": "Location: Tennessee Resident. I recently obtained a temporary order of protection on my boyfriend. On the order I put close joint checking account. The judge signed it. I get a notification twice a day that he's over drafting. Is the order not to be enforced until the court date?", "sort": "hot", "upvote_ratio": 1.0, "author": "Jursicah-_-"}

selftext:
Location: Tennessee Resident. I recently obtained a temporary order of protection on my boyfriend. On the order I put close joint checking account. The judge signed it. I get a notification twice a day that he's over drafting. Is the order not to be enforced until the court date?


topic_name: Neighbor threatening to sue because I did not help with a pest issue.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qc42tm/neighbor_threatening_to_sue_because_i_did_not/
collected_at: 2026-02-12T00:06:22.356550+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qc42tm", "score": 1027, "num_comments": 50, "created_utc": 1768340002.0, "selftext": "Location: Wisconsin.\n\nI work in the pest control industry.\n\nA year ago one of my neighbors wanted to hire me for a rodent issue she's having. I told her that I do not service neighbors, nor anyone I know personally, because if she has an issue, she won't go through the proper channels. She will knock on my door and bother me while I'm off-duty. When she asked for advice, I told her the only advice I'm comfortable giving her is to look around the foundation of the property for entry points, and t", "sort": "top", "upvote_ratio": 0.97, "author": "MetroMonk"}

selftext:
Location: Wisconsin.

I work in the pest control industry.

A year ago one of my neighbors wanted to hire me for a rodent issue she's having. I told her that I do not service neighbors, nor anyone I know personally, because if she has an issue, she won't go through the proper channels. She will knock on my door and bother me while I'm off-duty. When she asked for advice, I told her the only advice I'm comfortable giving her is to look around the foundation of the property for entry points, and t


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qvyi06/lpt_when_something_about_a_person_bothers_you/
collected_at: 2026-02-12T00:06:28.286072+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: When something about a person bothers you, wait 24 hours before saying anything… unless it's urgent.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qvyi06", "score": 2769, "num_comments": 61, "created_utc": 1770233842.0, "selftext": "Many arguments start impulsively. Giving yourself a day lets you see if the problem is still important or if it was just a spur-of-the-moment reaction. If it still bothers you after 24 hours, it's probably worth discussing it more calmly and with better words.", "sort": "hot", "upvote_ratio": 0.96, "author": "MysterySweet69"}

selftext:
Many arguments start impulsively. Giving yourself a day lets you see if the problem is still important or if it was just a spur-of-the-moment reaction. If it still bothers you after 24 hours, it's probably worth discussing it more calmly and with better words.


topic_name: Do I really need to drop big money on an office chair just to get the best?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0vikr/do_i_really_need_to_drop_big_money_on_an_office/
collected_at: 2026-02-12T00:06:36.789693+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0vikr", "score": 33, "num_comments": 96, "created_utc": 1770712820.0, "selftext": "Hi I'm seriously thinking about getting a real ergo chair. I'm a freelancer WFH so I'm basically glued to my desk most days. Lately I've been noticing that my back starts to hurt if I sit for too long. My current chair is cheap and I never buy a high-end chair before. I still keep hesitating on spending a lot on it. Should I invest a better one?\n\nHere're what I'm looking for in a chair:\n\nSomething lets me sit in different positions\n\nI'd really like to have a headrest\n\nAdjustable armrests\n\nI've b", "sort": "hot", "upvote_ratio": 0.77, "author": "ettubrutusvp"}

selftext:
Hi I'm seriously thinking about getting a real ergo chair. I'm a freelancer WFH so I'm basically glued to my desk most days. Lately I've been noticing that my back starts to hurt if I sit for too long. My current chair is cheap and I never buy a high-end chair before. I still keep hesitating on spending a lot on it. Should I invest a better one?

Here're what I'm looking for in a chair:

Something lets me sit in different positions

I'd really like to have a headrest

Adjustable armrests

I've b


topic_name: 20 year old Bravia still going strong without issues.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qpz7jk/20_year_old_bravia_still_going_strong_without/
collected_at: 2026-02-12T00:06:40.492290+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qpz7jk", "score": 800, "num_comments": 87, "created_utc": 1769662560.0, "selftext": "They really don't make TVs like this anymore. Nowadays you're lucky if your TV lasts more than 5 years.", "sort": "top", "upvote_ratio": 0.95, "author": "Blandscreen"}

selftext:
They really don't make TVs like this anymore. Nowadays you're lucky if your TV lasts more than 5 years.


topic_name: Need Advice- WWYD? Hit FI, Struggling to Quit Work
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000054+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qrnoud/need_advice_wwyd_hit_fi_struggling_to_quit_work/

metadata:
{"subreddit": "financialindependence", "post_id": "1qrnoud", "score": 64, "num_comments": 64, "created_utc": 1769820543.0, "selftext": "Wife and I are both 42. We have 3 kids (tweens).\n\nRecently achieved FI. $2.8M in liquid assets to support $100K annual expenses.\n\nHave an additional $200k in 529's for kids. Four more years until the first finishes HS.\n\nNo debt, paid off house and cars. Live in HCOL area.\n\nBoth are in stressful, demanding jobs (leadership in retail and supply chain) with combined annual income of $275K. \n\nWe have worked hard, saved hard, lived frugally, and are not flashy/material people.\n\nWe enjoy simple inexpe", "sort": "hot", "upvote_ratio": 0.85, "author": "Mind_on_FIRE_"}

selftext:
Wife and I are both 42. We have 3 kids (tweens).

Recently achieved FI. $2.8M in liquid assets to support $100K annual expenses.

Have an additional $200k in 529's for kids. Four more years until the first finishes HS.

No debt, paid off house and cars. Live in HCOL area.

Both are in stressful, demanding jobs (leadership in retail and supply chain) with combined annual income of $275K. 

We have worked hard, saved hard, lived frugally, and are not flashy/material people.

We enjoy simple inexpe


topic_name: The Shōgun Who Teaches DIVING?!Lord Toranaga's Most Bizarre "Lesson" for the Emperor! #movie #short
source: youtube
region: US
url: https://youtube.com/watch?v=3-Q4oQ1volg
collected_at: 2026-02-12T00:04:30.534649
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "3-Q4oQ1volg", "channel": "Quinn17", "category": "Entertainment", "category_id": 24, "views": "6006094", "view_count": 6006094, "likes": "247200", "published_at": "2026-02-08T14:39:20Z"}


topic_name: What are the steps to managing your own finance?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814925+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r2b3jg/what_are_the_steps_to_managing_your_own_finance/

metadata:
{"subreddit": "personalfinance", "post_id": "1r2b3jg", "score": 1, "num_comments": 5, "created_utc": 1770847318.0, "selftext": "I\u2019m f 18 student living at home, wanting to get into managing my own money and accounts. But I don\u2019t know where to start or how anything works. Where could I learn the basics that are required?\n\nUnfortunately, asking my family is not an option.", "sort": "hot", "upvote_ratio": 1.0, "author": "Inevitable_Value_500"}

selftext:
I’m f 18 student living at home, wanting to get into managing my own money and accounts. But I don’t know where to start or how anything works. Where could I learn the basics that are required?

Unfortunately, asking my family is not an option.


topic_name: Millionaire Next Door
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r08grq/millionaire_next_door/
collected_at: 2026-02-12T00:04:45.418218+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r08grq", "score": 335, "num_comments": 305, "created_utc": 1770653796.0, "selftext": "Recently ran across the If Books Could Kill podcast and their most recent review was of a Millionaire Next Door.\n\nYeah, it was weird that they were featuring a book that came out thirty years ago. The hosts and followers were ridiculing the book\u2019s premise and methodology.\n\nI don\u2019t even remember many of the details of the book, but do remember the lessons.\n\nSo, in the intervening thirty years, has anyone followed the mode and had a good life and saved a bunch of money. I certainly have, despite n", "sort": "top", "upvote_ratio": 0.79, "author": "VirileMongoose"}

selftext:
Recently ran across the If Books Could Kill podcast and their most recent review was of a Millionaire Next Door.

Yeah, it was weird that they were featuring a book that came out thirty years ago. The hosts and followers were ridiculing the book’s premise and methodology.

I don’t even remember many of the details of the book, but do remember the lessons.

So, in the intervening thirty years, has anyone followed the mode and had a good life and saved a bunch of money. I certainly have, despite n


topic_name: Placeholder Deposit
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r120vs/placeholder_deposit/
collected_at: 2026-02-12T00:04:50.635748+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r120vs", "score": 0, "num_comments": 10, "created_utc": 1770733273.0, "selftext": "Hi all,\n\nIn November 2025, I placed a deposit for a 2026 Toyota RAV4 prior to its official Canadian launch, at which time pricing information was not yet available.\n\nI am now considering the purchase of a Toyota bZ from a different dealership and am therefore requesting the return of my deposit.\n\nAlthough I signed a bill of sale, it contained no vehicle details and listed the purchase as an unlisted item, with no VIN, pricing, or specific vehicle information provided.\n\nI didn\u2019t talk the salesper", "sort": "hot", "upvote_ratio": 0.5, "author": "Professional-Salt-31"}

selftext:
Hi all,

In November 2025, I placed a deposit for a 2026 Toyota RAV4 prior to its official Canadian launch, at which time pricing information was not yet available.

I am now considering the purchase of a Toyota bZ from a different dealership and am therefore requesting the return of my deposit.

Although I signed a bill of sale, it contained no vehicle details and listed the purchase as an unlisted item, with no VIN, pricing, or specific vehicle information provided.

I didn’t talk the salesper


topic_name: Do customers have to ask for the giant bow for pictures?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qwxxi8/do_customers_have_to_ask_for_the_giant_bow_for/
collected_at: 2026-02-12T00:04:53.860327+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qwxxi8", "score": 20, "num_comments": 27, "created_utc": 1770326210.0, "selftext": "Exactly as the title says. \n\nI\u2019ve bought 4 new cars myself, I\u2019ve helped my sister and a few friends (they have crippling social anxiety and nearly vomit just at the idea of talking to someone they don\u2019t know) with probably around a dozen new car sales. \n\nAnd I\u2019m just here like \u201cI see these giant bows on cars at dealerships and when people post pictures of themselves with their brand new car before driving it off the lot, but none of my friends/family or myself have ever had them put a bow, why?\u201d", "sort": "top", "upvote_ratio": 0.85, "author": "effervescenthippo"}

selftext:
Exactly as the title says. 

I’ve bought 4 new cars myself, I’ve helped my sister and a few friends (they have crippling social anxiety and nearly vomit just at the idea of talking to someone they don’t know) with probably around a dozen new car sales. 

And I’m just here like “I see these giant bows on cars at dealerships and when people post pictures of themselves with their brand new car before driving it off the lot, but none of my friends/family or myself have ever had them put a bow, why?”


topic_name: Finally made it out of poverty but I am losing friends because of it
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457512+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r0c6gy/finally_made_it_out_of_poverty_but_i_am_losing/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0c6gy", "score": 1463, "num_comments": 242, "created_utc": 1770661720.0, "selftext": "I don\u2019t even know where to begin or how to express this. I have been on this sub for a very long time and have used so many of the tips and tricks that I have seen on here to help me get by.\n\nI come from an abusive family and have been out of the house since 18. I put myself through school eventually but it was a very long journey to actually finish. It was really hard to not give up and I had no help through it. Now I started three years ago at a job making about $250K and got a promotion last ", "sort": "hot", "upvote_ratio": 0.96, "author": "traumatizedtortoise_"}

selftext:
I don’t even know where to begin or how to express this. I have been on this sub for a very long time and have used so many of the tips and tricks that I have seen on here to help me get by.

I come from an abusive family and have been out of the house since 18. I put myself through school eventually but it was a very long journey to actually finish. It was really hard to not give up and I had no help through it. Now I started three years ago at a job making about $250K and got a promotion last 


topic_name: 22 Year Old Savings Habits
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qdx3mo/22_year_old_savings_habits/
collected_at: 2026-02-12T00:05:03.489256+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qdx3mo", "score": 1093, "num_comments": 218, "created_utc": 1768514066.0, "selftext": "Hey everyone! Just turned 22 three days ago! For the past three months I've been using the cash stuffing method in an unorthodox way! (Dude here)\n\nSince losing my Culver's job in November 13th. My savings were wiped out period, I never want to be in that situation again and I want to save money! I always want to have money and never want to not have money. \n\nMy parents and I don't speak anymore due to them taking credit cards out in my name and tanking my credit (never supported me anyway, going", "sort": "top", "upvote_ratio": 0.94, "author": "Bababoey219"}

selftext:
Hey everyone! Just turned 22 three days ago! For the past three months I've been using the cash stuffing method in an unorthodox way! (Dude here)

Since losing my Culver's job in November 13th. My savings were wiped out period, I never want to be in that situation again and I want to save money! I always want to have money and never want to not have money. 

My parents and I don't speak anymore due to them taking credit cards out in my name and tanking my credit (never supported me anyway, going


topic_name: [UK] Has my friend joined a pyramid scheme?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1hpt1/uk_has_my_friend_joined_a_pyramid_scheme/
collected_at: 2026-02-12T00:05:08.886720+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1hpt1", "score": 7, "num_comments": 17, "created_utc": 1770768122.0, "selftext": "Recently a friend of mine has gotten involved with this online course to start an independent business. The original account that she found this \u201cside hustle\u201d claims to help people earn an extra 1000 dollars per month at home. By doing this there was an upfront fee of 156 dollars with an additional monthly fee for access to training and the systems you need to even earn this \u201cincome\u201d. It also appears to be a girls only thing.\n\nAdditionally, the friend has been messaging loads of people to try an", "sort": "hot", "upvote_ratio": 0.82, "author": "No-Signature-4978"}

selftext:
Recently a friend of mine has gotten involved with this online course to start an independent business. The original account that she found this “side hustle” claims to help people earn an extra 1000 dollars per month at home. By doing this there was an upfront fee of 156 dollars with an additional monthly fee for access to training and the systems you need to even earn this “income”. It also appears to be a girls only thing.

Additionally, the friend has been messaging loads of people to try an


source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qd3lqw/craigslist_buyer_wants_to_send_me_a_cashiers/
collected_at: 2026-02-12T00:05:12.358902+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
topic_name:
Craigslist buyer wants to send me a cashiers check and once it’s cashed, send movers to pick up table, is this a scam?

metadata:
{"subreddit": "Scams", "post_id": "1qd3lqw", "score": 136, "num_comments": 106, "created_utc": 1768434570.0, "selftext": "Hi all,\n\nI have a table for sale on Craigslist. Someone reached out to buy it but is \u201cmoving in from out of town.\u201d This caused red flags for me.\n\nThey want to send me a cashiers check, and once it\u2019s cashed, they will send movers to pick up the item.\n\nIs this a scam? I understood that cashiers checks, once cashed, can\u2019t be reversed but there\u2019s probably a trick I\u2019m missing.", "sort": "top", "upvote_ratio": 0.84, "author": "themostbootiful"}

selftext:
Hi all,

I have a table for sale on Craigslist. Someone reached out to buy it but is “moving in from out of town.” This caused red flags for me.

They want to send me a cashiers check, and once it’s cashed, they will send movers to pick up the item.

Is this a scam? I understood that cashiers checks, once cashed, can’t be reversed but there’s probably a trick I’m missing.


topic_name: No Duolingo, you may not put an ad for your subscription on my lock screen
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pz3fbk/no_duolingo_you_may_not_put_an_ad_for_your/
collected_at: 2026-02-12T00:05:17.889797+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1pz3fbk", "score": 5814, "num_comments": 128, "created_utc": 1767055172.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "Odog0001"}


topic_name: One of the more vile huns I've come across.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxx4re/one_of_the_more_vile_huns_ive_come_across/
collected_at: 2026-02-12T00:05:26.020518+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxx4re", "score": 63, "num_comments": 28, "created_utc": 1770419523.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.97, "author": "Willing_Chemical1257"}


topic_name: I've been paying 2 duplicate homeowners policies for 6 years.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1k2a7/ive_been_paying_2_duplicate_homeowners_policies/
collected_at: 2026-02-12T00:05:44.256683+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1k2a7", "score": 7, "num_comments": 36, "created_utc": 1770774278.0, "selftext": "In 2020, I switched homeowners insurance providers. The original policy was never removed from my escrow account. Today, I realized I've been paying for both policies: one through escrow, one through my credit card. Near-identical coverage on both policies, thousands of dollars in premiums. Is there any chance I could recover the premiums I paid to one of these companies? Located in New Mexico, USA and feeling incredibly stupid.", "sort": "hot", "upvote_ratio": 0.71, "author": "doromb"}

selftext:
In 2020, I switched homeowners insurance providers. The original policy was never removed from my escrow account. Today, I realized I've been paying for both policies: one through escrow, one through my credit card. Near-identical coverage on both policies, thousands of dollars in premiums. Is there any chance I could recover the premiums I paid to one of these companies? Located in New Mexico, USA and feeling incredibly stupid.


topic_name: Rear-ended a year ago, car totaled, haven't been paid out, and now charging lot fees?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qh8kpy/rearended_a_year_ago_car_totaled_havent_been_paid/
collected_at: 2026-02-12T00:05:47.658391+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qh8kpy", "score": 17, "num_comments": 78, "created_utc": 1768839499.0, "selftext": "Almost a year ago I was rear-ended (I am insured with Progressive), it was a chain-reaction crash, my car was totaled. The person that hit me must have been going 45MPH, no breaks, slams into the back of me. I have been fighting their insurance Geico for almost a year to get paid out. (I have limited liability) I have bought a new vehicle, but still have not been paid out, and I already signed a document agreeing to the amount I would receive from them. The local adjuster is sending me a letter ", "sort": "top", "upvote_ratio": 0.87, "author": "Wookie_wood69"}

selftext:
Almost a year ago I was rear-ended (I am insured with Progressive), it was a chain-reaction crash, my car was totaled. The person that hit me must have been going 45MPH, no breaks, slams into the back of me. I have been fighting their insurance Geico for almost a year to get paid out. (I have limited liability) I have bought a new vehicle, but still have not been paid out, and I already signed a document agreeing to the amount I would receive from them. The local adjuster is sending me a letter 


topic_name: LLM Conversational Language
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1p22u5t/llm_conversational_language/
collected_at: 2026-02-12T00:05:53.366350+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1p22u5t", "score": 15, "num_comments": 3, "created_utc": 1763644428.0, "selftext": "LLMs (ChatGPT) using conversational language is definitely a dark pattern that is keeping people addicted to AI now. \n\nI'm not sure why this isn't being talked about more. It's even more dangerous than the dark patterns social media uses to keep glued to the stream. ", "sort": "hot", "upvote_ratio": 0.8, "author": "codecrackx15"}

selftext:
LLMs (ChatGPT) using conversational language is definitely a dark pattern that is keeping people addicted to AI now. 

I'm not sure why this isn't being talked about more. It's even more dangerous than the dark patterns social media uses to keep glued to the stream. 


topic_name: I want thoughts on when is a good time to replace a car
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qyr5mr/i_want_thoughts_on_when_is_a_good_time_to_replace/
collected_at: 2026-02-12T00:06:01.656953+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qyr5mr", "score": 26, "num_comments": 119, "created_utc": 1770502554.0, "selftext": "I have a 2018 Mazda that has 90k miles. It was my first new car out if college and has helped us in 3 moves across the US. Value is around 7k. Maintenance is reaching 4k between leaky struts, spark plugs, rusty parts that are cracking, windshield fluid sensor that is broken, and just general fluids that need changing. I have never had to replace a car out of old age so I am not sure when is a good time to call it or keep paying maintenance. Last car we had to replace was because an arsonist burn", "sort": "hot", "upvote_ratio": 0.7, "author": "Ill-Actuator-8904"}

selftext:
I have a 2018 Mazda that has 90k miles. It was my first new car out if college and has helped us in 3 moves across the US. Value is around 7k. Maintenance is reaching 4k between leaky struts, spark plugs, rusty parts that are cracking, windshield fluid sensor that is broken, and just general fluids that need changing. I have never had to replace a car out of old age so I am not sure when is a good time to call it or keep paying maintenance. Last car we had to replace was because an arsonist burn


topic_name: Reminder to request book purchases from your library
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qbu5k2/reminder_to_request_book_purchases_from_your/
collected_at: 2026-02-12T00:06:05.044540+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qbu5k2", "score": 372, "num_comments": 27, "created_utc": 1768317824.0, "selftext": "This is your reminder to request your library purchase a book! I love reading and lately I\u2019ve been trying to read more books on frugality, budgeting, conscious consumerism, etc. I couldn\u2019t find a copy of \u201cThe Art of Frugal Hedonism\u201d secondhand or at my library. I put in a request for them to purchase it, and it was approved about 2 days later!\n\nI know every library has a different budget, and I do have my fair share of requests denied, but it\u2019s always worth a shot!\n\n", "sort": "top", "upvote_ratio": 0.97, "author": "Independent-Stage297"}

selftext:
This is your reminder to request your library purchase a book! I love reading and lately I’ve been trying to read more books on frugality, budgeting, conscious consumerism, etc. I couldn’t find a copy of “The Art of Frugal Hedonism” secondhand or at my library. I put in a request for them to purchase it, and it was approved about 2 days later!

I know every library has a different budget, and I do have my fair share of requests denied, but it’s always worth a shot!


topic_name: Looking for a Good Card To Begin Traveling
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r26wz6/looking_for_a_good_card_to_begin_traveling/
collected_at: 2026-02-12T00:06:10.587912+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r26wz6", "score": 0, "num_comments": 3, "created_utc": 1770837922.0, "selftext": "Hello,\n\nMy fianc\u00e9 and I are looking to get a credit card together. We want to start traveling more, probably 2\u20133 trips a year and are interested in something that earns airline miles and comes with good travel benefits.\n\nWe plan to use the card for gas, groceries, entertainment, dining, and of course travel. I\u2019ve looked at a few options like the Capital One Venture, Wells Fargo Autograph Journey, and Delta SkyMiles cards, which all seem pretty good.\n\nWould love to hear your opinions or suggestio", "sort": "hot", "upvote_ratio": 0.5, "author": "QuantumVoyagerXX"}

selftext:
Hello,

My fiancé and I are looking to get a credit card together. We want to start traveling more, probably 2–3 trips a year and are interested in something that earns airline miles and comes with good travel benefits.

We plan to use the card for gas, groceries, entertainment, dining, and of course travel. I’ve looked at a few options like the Capital One Venture, Wells Fargo Autograph Journey, and Delta SkyMiles cards, which all seem pretty good.

Would love to hear your opinions or suggestio


topic_name: Capital One just acquired Brex - where's everyone moving?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qke00f/capital_one_just_acquired_brex_wheres_everyone/
collected_at: 2026-02-12T00:06:13.782111+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qke00f", "score": 110, "num_comments": 55, "created_utc": 1769134003.0, "selftext": "Just saw the news that Capital One scooped up Brex and honestly not surprised since they've been in trouble. My business has been using them for expense management but writing's on the wall here. Already started looking at alternatives before this acquisition gets messy. Anyone else jumping ship before they go the way of Bilt? (rip)", "sort": "top", "upvote_ratio": 0.9, "author": "Ok-Sale-9574"}

selftext:
Just saw the news that Capital One scooped up Brex and honestly not surprised since they've been in trouble. My business has been using them for expense management but writing's on the wall here. Already started looking at alternatives before this acquisition gets messy. Anyone else jumping ship before they go the way of Bilt? (rip)


topic_name: 15 years of water issues what legal recourse, if any, do I have here?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2d4zk/15_years_of_water_issues_what_legal_recourse_if/
collected_at: 2026-02-12T00:06:18.920890+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2d4zk", "score": 1, "num_comments": 4, "created_utc": 1770852110.0, "selftext": "Location: Breckenridge, CO \nI have been renting in the same commercial space in Breckenridge CO for 30 years. the first 15 we're fine. In 2012 the landlord allowed (but claimed in a written statement he was unaware that the plumber had cut a hole in my wall;he also however stated that he had cleared the penetration with a manager; even though that was not true) a plumber to come in without notice and put a 4 inch pipe in the middle of a mural on our wall and said it wasn't a big deal that Mural ", "sort": "hot", "upvote_ratio": 1.0, "author": "iisalwayssmiling"}

selftext:
Location: Breckenridge, CO 
I have been renting in the same commercial space in Breckenridge CO for 30 years. the first 15 we're fine. In 2012 the landlord allowed (but claimed in a written statement he was unaware that the plumber had cut a hole in my wall;he also however stated that he had cleared the penetration with a manager; even though that was not true) a plumber to come in without notice and put a 4 inch pipe in the middle of a mural on our wall and said it wasn't a big deal that Mural 


source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356554+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
TN - Police report says my car was in an accident a year ago. I've owned it since new. Officer admitted they never verified the VIN. How do I fix this?

url:
https://reddit.com/r/legaladvice/comments/1qnyybh/tn_police_report_says_my_car_was_in_an_accident_a/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qnyybh", "score": 1011, "num_comments": 35, "created_utc": 1769475328.0, "selftext": "Location: Tennessee\n\nI bought a 2023 SUV brand new in May 2023 and have been the sole owner. It has never been in an accident.\n\nI went to trade it in last week, and the deal fell apart because the Carfax shows a \"Severe Accident\" with \"Airbag Deployment\" from February 2025 in a city about 5 hours away from me.\n\nI pulled the police report from that city. It lists my exact VIN and license plate, but the owner and driver is listed as a complete stranger who I don\u2019t know. The insurance policy listed", "sort": "top", "upvote_ratio": 0.99, "author": "schrodingers_car_123"}

selftext:
Location: Tennessee

I bought a 2023 SUV brand new in May 2023 and have been the sole owner. It has never been in an accident.

I went to trade it in last week, and the deal fell apart because the Carfax shows a "Severe Accident" with "Airbag Deployment" from February 2025 in a city about 5 hours away from me.

I pulled the police report from that city. It lists my exact VIN and license plate, but the owner and driver is listed as a complete stranger who I don’t know. The insurance policy listed


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qwfu29/lpt_many_manufacturers_of_home_installations/
collected_at: 2026-02-12T00:06:28.286075+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: Many manufacturers of home installations (toilets, sinks, doors, etc) have a consumer hotline to help with minor issues for free

metadata:
{"subreddit": "LifeProTips", "post_id": "1qwfu29", "score": 90, "num_comments": 6, "created_utc": 1770280069.0, "selftext": "I don't know if anyone else knows this - maybe I'm just dumb - but many manufacturers of larger items in your home, even if they were installed by someone else/a professional, will have a hotline that can help with minor things. \n\nWe had an issue with our toilet not flushing properly, and on advice from a friend, I called the manufacturer. They have a hotline for installation questions and troubleshooting, and after 5 minutes on the phone with them, they found out that a bolt was having problems", "sort": "hot", "upvote_ratio": 0.88, "author": "Askefyr"}

selftext:
I don't know if anyone else knows this - maybe I'm just dumb - but many manufacturers of larger items in your home, even if they were installed by someone else/a professional, will have a hotline that can help with minor things. 

We had an issue with our toilet not flushing properly, and on advice from a friend, I called the manufacturer. They have a hotline for installation questions and troubleshooting, and after 5 minutes on the phone with them, they found out that a bolt was having problems


topic_name: Miele vaccuums? Guard S1
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r13f46/miele_vaccuums_guard_s1/
collected_at: 2026-02-12T00:06:36.789697+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r13f46", "score": 4, "num_comments": 12, "created_utc": 1770736496.0, "selftext": "Hi, so we have 2 Dysons, both which need some level of repair or part replacement. I've held off because each of which will cost at least $150. And to be honest I just don't know if they're worth it.\n\nMiele has a really good sale going on right now and I feel like I've seen them mentioned around here.\n\nWe have a fair bit of carpet, a dog, and 2 rambunctious boys. So I want some that will have great auctions and also be good for furniture.\n\nIs the Mielle Guard S1 a good one? Are other models bett", "sort": "hot", "upvote_ratio": 0.64, "author": "blueskybeautiful"}

selftext:
Hi, so we have 2 Dysons, both which need some level of repair or part replacement. I've held off because each of which will cost at least $150. And to be honest I just don't know if they're worth it.

Miele has a really good sale going on right now and I feel like I've seen them mentioned around here.

We have a fair bit of carpet, a dog, and 2 rambunctious boys. So I want some that will have great auctions and also be good for furniture.

Is the Mielle Guard S1 a good one? Are other models bett


topic_name: Recommendations for long durable winter jacket
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qvpkri/recommendations_for_long_durable_winter_jacket/
collected_at: 2026-02-12T00:06:40.492298+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qvpkri", "score": 764, "num_comments": 498, "created_utc": 1770214280.0, "selftext": "Hi all,\nI\u2019m looking for a very durable winter jacket/coat that I can just throw on and that protects both my upper and lower body from harsh winter weather (wind, rain, cold, mud).\nIdeally it would be long (so I dont need to put on skipants) and feel solid. This is for everyday use in winter, not fashion first, and durability matters more than weight.\nSo far I\u2019ve looked a bit at dry-robes, but they don\u2019t seem very durable or abrasion-resistant. Any ideas?", "sort": "top", "upvote_ratio": 0.89, "author": "the-one-yes-son"}

selftext:
Hi all,
I’m looking for a very durable winter jacket/coat that I can just throw on and that protects both my upper and lower body from harsh winter weather (wind, rain, cold, mud).
Ideally it would be long (so I dont need to put on skipants) and feel solid. This is for everyday use in winter, not fashion first, and durability matters more than weight.
So far I’ve looked a bit at dry-robes, but they don’t seem very durable or abrasion-resistant. Any ideas?


topic_name: Moving Goalposts and Future Anxiety
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qrasca/moving_goalposts_and_future_anxiety/
collected_at: 2026-02-12T00:06:47.000058+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qrasca", "score": 56, "num_comments": 77, "created_utc": 1769791755.0, "selftext": "I\u2019ve been consciously saving toward FIRE, or at least the FI part, since my early 30s. Before that, I made decent money and did the responsible adult thing with retirement savings, but I didn\u2019t really know about FIRE until later. Now I\u2019m 44 and it feels like the finish line is out there, except the goalposts keep moving.\n\nI\u2019m sitting on about \\~$1.8M across various retirement accounts. I live in a pretty modest 1950s ranch worth around $300k, with roughly 50% equity and a 4.375% mortgage. I\u2019m cu", "sort": "hot", "upvote_ratio": 0.82, "author": "Sea_Slice9982"}

selftext:
I’ve been consciously saving toward FIRE, or at least the FI part, since my early 30s. Before that, I made decent money and did the responsible adult thing with retirement savings, but I didn’t really know about FIRE until later. Now I’m 44 and it feels like the finish line is out there, except the goalposts keep moving.

I’m sitting on about \~$1.8M across various retirement accounts. I live in a pretty modest 1950s ranch worth around $300k, with roughly 50% equity and a 4.375% mortgage. I’m cu


topic_name: "They Thought They Won" ☠️🔥 | George Lopez | MATADORA (slowed) #Trending #Shorts
source: youtube
region: US
url: https://youtube.com/watch?v=gtOJUTnK_GI
collected_at: 2026-02-12T00:04:30.534743
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "gtOJUTnK_GI", "channel": "Rizer-Edits", "category": "Entertainment", "category_id": 24, "views": "5993025", "view_count": 5993025, "likes": "126280", "published_at": "2026-02-09T06:30:19Z"}


topic_name: Employer send W2 with incorrect info
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2ayeb/employer_send_w2_with_incorrect_info/
collected_at: 2026-02-12T00:04:41.814929+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2ayeb", "score": 1, "num_comments": 7, "created_utc": 1770846999.0, "selftext": "It says I made $1000 less than I really did.\n\nI\u2019m not sure what to do.  Spent an hour on the ups website but I\u2019m a seasonal employee.  \n\nI use freetax usa.  Can I just enter in the real information and let ups continue to think the w2 is whatever wrong thing they think it is?  I have the paychecks that have correct year to date pay and actual amount withheld.", "sort": "hot", "upvote_ratio": 0.67, "author": "EmekaEgbukaPukaNacua"}

selftext:
It says I made $1000 less than I really did.

I’m not sure what to do.  Spent an hour on the ups website but I’m a seasonal employee.  

I use freetax usa.  Can I just enter in the real information and let ups continue to think the w2 is whatever wrong thing they think it is?  I have the paychecks that have correct year to date pay and actual amount withheld.


topic_name: Wells Fargo won’t close my account and continues to charge me fees
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418222+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qp4jt6/wells_fargo_wont_close_my_account_and_continues/

metadata:
{"subreddit": "personalfinance", "post_id": "1qp4jt6", "score": 333, "num_comments": 76, "created_utc": 1769584506.0, "selftext": "I did not close my Wells Fargo account before moving overseas and it has become the bane of my existence.\n\nThey continue to charge me monthly inactivity fees and increase the minimum account balance.\n\nTheir messenger portal is just a chatbot that directs to phone numbers that are chatbots that inevitably hang up on me.\n\nI cannot reach a person, there isn\u2019t even a way for me to message them. \n\nWhen I was back in the states I went to a branch and they told me I had to schedule an appointment but t", "sort": "top", "upvote_ratio": 0.91, "author": "Alive-Bad-8734"}

selftext:
I did not close my Wells Fargo account before moving overseas and it has become the bane of my existence.

They continue to charge me monthly inactivity fees and increase the minimum account balance.

Their messenger portal is just a chatbot that directs to phone numbers that are chatbots that inevitably hang up on me.

I cannot reach a person, there isn’t even a way for me to message them. 

When I was back in the states I went to a branch and they told me I had to schedule an appointment but t


topic_name: Ready to Pull the Trigger
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r11vzk/ready_to_pull_the_trigger/
collected_at: 2026-02-12T00:04:50.635752+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r11vzk", "score": 0, "num_comments": 5, "created_utc": 1770732940.0, "selftext": "My wife and I went to look at an Ioniq 5 yesterday. She loves the limited. We're ready to buy but I want to make sure we're getting a fair deal. I checked TrueCar and the best they came up with was a $2500 dealer discount. But this does not include the $6k cash incentive. My plan is to ask for both. Any other suggestions? Thanks in advance!", "sort": "hot", "upvote_ratio": 0.5, "author": "SirWillae"}

selftext:
My wife and I went to look at an Ioniq 5 yesterday. She loves the limited. We're ready to buy but I want to make sure we're getting a fair deal. I checked TrueCar and the best they came up with was a $2500 dealer discount. But this does not include the $6k cash incentive. My plan is to ask for both. Any other suggestions? Thanks in advance!


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qcb9c0/dealership_promised_to_replace_my_bmw_after_70/
collected_at: 2026-02-12T00:04:53.860332+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
Dealership promised to replace my BMW after 70 days out of service, now claims “no issue found.” What’s going on?

metadata:
{"subreddit": "askcarsales", "post_id": "1qcb9c0", "score": 21, "num_comments": 9, "created_utc": 1768357847.0, "selftext": "I\u2019m in Florida and I\u2019d like perspective from people who work in dealerships or understand how management actually handles replacement approvals.\n\nBrand-new 2026 BMW 228. Two weeks after delivery, the entire dash/iDrive went black while driving, then I had repeated system issues: pairing failures, profiles deleting, resets, etc.\n\nBMW has had my car since October 31st \u2014 over 70 straight days.\n\nOn November 5th, the General Manager told me directly in his office:\n\n\u201cWe will collateral damage it out a", "sort": "top", "upvote_ratio": 0.86, "author": "Key_Season_9682"}

selftext:
I’m in Florida and I’d like perspective from people who work in dealerships or understand how management actually handles replacement approvals.

Brand-new 2026 BMW 228. Two weeks after delivery, the entire dash/iDrive went black while driving, then I had repeated system issues: pairing failures, profiles deleting, resets, etc.

BMW has had my car since October 31st — over 70 straight days.

On November 5th, the General Manager told me directly in his office:

“We will collateral damage it out a


topic_name: Parents force me to go to expensive restaurants then get upset when I cannot afford it
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457516+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r0dr6g/parents_force_me_to_go_to_expensive_restaurants/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0dr6g", "score": 1210, "num_comments": 170, "created_utc": 1770665072.0, "selftext": "I'm 21 and live at home, I am a student graduating this semester with an AA who works part time (20h/w). Even after I graduate I won't make much. My mom buys some food but I have to get most things myself. I have to buy everything else to eat myself and it gets very expensive. I have an issue where my mother and/or stepdad takes me to fancy restaurants where I cannot really afford it. It's usually because of my stepdad's friend group. I'm not allowed to be home alone so I must go. I tell my mom ", "sort": "hot", "upvote_ratio": 0.92, "author": "OvercookedRedditor"}

selftext:
I'm 21 and live at home, I am a student graduating this semester with an AA who works part time (20h/w). Even after I graduate I won't make much. My mom buys some food but I have to get most things myself. I have to buy everything else to eat myself and it gets very expensive. I have an issue where my mother and/or stepdad takes me to fancy restaurants where I cannot really afford it. It's usually because of my stepdad's friend group. I'm not allowed to be home alone so I must go. I tell my mom 


topic_name: Lost my job today
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qz5jg4/lost_my_job_today/
collected_at: 2026-02-12T00:05:03.489260+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qz5jg4", "score": 1050, "num_comments": 142, "created_utc": 1770546289.0, "selftext": "So after a long shift. I was informed the restaurant I work at has been sold. I have 20 days left give or take. I been there a long long time. I have a mortgage. food. I'm 48. the job market is brutal honestly. I been looking this whole time. nobody calls back ever. I can do  unemployment but  it wouldn't even come close honestly. I'm not eating right now. I'm just not hungry and haven't been since I found out on the other night the owners are so happy. and its just a example of how this life is", "sort": "top", "upvote_ratio": 0.98, "author": "lone-Archer0447"}

selftext:
So after a long shift. I was informed the restaurant I work at has been sold. I have 20 days left give or take. I been there a long long time. I have a mortgage. food. I'm 48. the job market is brutal honestly. I been looking this whole time. nobody calls back ever. I can do  unemployment but  it wouldn't even come close honestly. I'm not eating right now. I'm just not hungry and haven't been since I found out on the other night the owners are so happy. and its just a example of how this life is


topic_name: [RO] a call from someone who claims to be with IGI office
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1igur/ro_a_call_from_someone_who_claims_to_be_with_igi/
collected_at: 2026-02-12T00:05:08.886723+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1igur", "score": 4, "num_comments": 4, "created_utc": 1770770040.0, "selftext": "Good evening, I had a call from someone who claimed to be working in the IGI office and he had my full name and where I lived and what is my citizenship, he asked me to come to a public coffe shop near the IGI to discuss \u201cmy staying in Romania\u201d he told me that there is nothing to be worried about just a casual discussion, he called from a normal Romanian number not an office number or anything, can you please help me because I got so scared knowing this type of information is accessible to some ", "sort": "hot", "upvote_ratio": 0.76, "author": "doctorsync"}

selftext:
Good evening, I had a call from someone who claimed to be working in the IGI office and he had my full name and where I lived and what is my citizenship, he asked me to come to a public coffe shop near the IGI to discuss “my staying in Romania” he told me that there is nothing to be worried about just a casual discussion, he called from a normal Romanian number not an office number or anything, can you please help me because I got so scared knowing this type of information is accessible to some 


topic_name: Bank call scam out of almost $1000 US
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qkh2gx/bank_call_scam_out_of_almost_1000_us/
collected_at: 2026-02-12T00:05:12.358905+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qkh2gx", "score": 132, "num_comments": 101, "created_utc": 1769142436.0, "selftext": "So yesterday i got a call from my \u201cbank\u201d the caller ID was the name of my bank so i answered they alerted me that a fraud was detected out of miami florida( i live in houston texas), they asked if it was me and i said no, they then told me for security purposes they will resetting my password and i will receive a code to verify, i gave them to code as asked, they said okay we\u2019re also going to need to setup fraud notifications since they\u2019re not enabled, \u201cyou will be receiving a \u201cghost charge\u201d tha", "sort": "top", "upvote_ratio": 0.86, "author": "KozyJay"}

selftext:
So yesterday i got a call from my “bank” the caller ID was the name of my bank so i answered they alerted me that a fraud was detected out of miami florida( i live in houston texas), they asked if it was me and i said no, they then told me for security purposes they will resetting my password and i will receive a code to verify, i gave them to code as asked, they said okay we’re also going to need to setup fraud notifications since they’re not enabled, “you will be receiving a “ghost charge” tha


topic_name: Best of the Beatles
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pzshxp/best_of_the_beatles/
collected_at: 2026-02-12T00:05:17.889801+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1pzshxp", "score": 10, "num_comments": 8, "created_utc": 1767125697.0, "selftext": "Deceptively titled and designed solo album by the Beatles' first drummer Pete Best after he was fired from the band. The circle around his head reminds me of the red circles in youtube clickbait thumbnails except with the opposite effect.", "sort": "hot", "upvote_ratio": 0.57, "author": "kiriteren"}

selftext:
Deceptively titled and designed solo album by the Beatles' first drummer Pete Best after he was fired from the band. The circle around his head reminds me of the red circles in youtube clickbait thumbnails except with the opposite effect.


topic_name: A Melaleuca Hun proudly showing off her SEVERELY healthy hair using only Melaleuca products.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxbbf1/a_melaleuca_hun_proudly_showing_off_her_severely/
collected_at: 2026-02-12T00:05:26.020521+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxbbf1", "score": 1145, "num_comments": 205, "created_utc": 1770363348.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "Federal-Butterfly-37"}


topic_name: Life insurance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1vfol/life_insurance/
collected_at: 2026-02-12T00:05:44.256687+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1vfol", "score": 1, "num_comments": 0, "created_utc": 1770811035.0, "selftext": "I have a question I\u2019m working with all products on life insurance but mainly focusing on iul I have a crm with automated outbound text as soon as a lead come in. Now when I out to these leads they either don\u2019t answer or say not interested (face book leads/running ads)\u2026 does any one have any suggestion on which route they took to bee successful??", "sort": "hot", "upvote_ratio": 1.0, "author": "Left-Database-8502"}

selftext:
I have a question I’m working with all products on life insurance but mainly focusing on iul I have a crm with automated outbound text as soon as a lead come in. Now when I out to these leads they either don’t answer or say not interested (face book leads/running ads)… does any one have any suggestion on which route they took to bee successful??


topic_name: The Cookie Settings on the My Anime List site
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1ozox3v/the_cookie_settings_on_the_my_anime_list_site/
collected_at: 2026-02-12T00:05:53.366354+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1ozox3v", "score": 17, "num_comments": 5, "created_utc": 1763405887.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.95, "author": "-Wonder-Bread-"}


topic_name: How do you save money on food/treats ?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qyn260/how_do_you_save_money_on_foodtreats/
collected_at: 2026-02-12T00:06:01.656956+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qyn260", "score": 38, "num_comments": 55, "created_utc": 1770492760.0, "selftext": "It\u2019s the only thing I spend money on since I don\u2019t spend money on other things and it\u2019s my only joy. I\u2019m trying to save money but it\u2019s hard since I don\u2019t have anything else I enjoy.\n\nWhat are some ways I can enjoy or treat myself? There isn\u2019t much else that I look forward to \n\nHow do I treat myself when there\u2019s nothing else that I like to do besides sleeping and eating? Looking for advice, thank you in advance", "sort": "hot", "upvote_ratio": 0.8, "author": "hello010101"}

selftext:
It’s the only thing I spend money on since I don’t spend money on other things and it’s my only joy. I’m trying to save money but it’s hard since I don’t have anything else I enjoy.

What are some ways I can enjoy or treat myself? There isn’t much else that I look forward to 

How do I treat myself when there’s nothing else that I like to do besides sleeping and eating? Looking for advice, thank you in advance


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qp2ugu/i_was_on_my_way_to_buy_hair_trimmers_at_target/
collected_at: 2026-02-12T00:06:05.044543+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
I was on my way to buy hair trimmers at target when I stopped at the local thrift store on my way and found hair trimmers for $6!

metadata:
{"subreddit": "Frugal", "post_id": "1qp2ugu", "score": 365, "num_comments": 27, "created_utc": 1769578862.0, "selftext": "I was on my way to buy hair trimmers at target when I stopped at the local thrift store on my way and found hair trimmers for $6!  That's the whole story, I just thought it was cool. It's insane how much hair trimmers cost new. Also, the ones I found at the thrift store appear to be brand new except they were in a zip lock bag. All of the parts are there, even the instruction manual that is in a plastic sheath. Total win ", "sort": "top", "upvote_ratio": 0.94, "author": "PucWalker"}

selftext:
I was on my way to buy hair trimmers at target when I stopped at the local thrift store on my way and found hair trimmers for $6!  That's the whole story, I just thought it was cool. It's insane how much hair trimmers cost new. Also, the ones I found at the thrift store appear to be brand new except they were in a zip lock bag. All of the parts are there, even the instruction manual that is in a plastic sheath. Total win 


topic_name: When does the elevated Venture SUB end/will C1 give a heads-up?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r26rev/when_does_the_elevated_venture_sub_endwill_c1/
collected_at: 2026-02-12T00:06:10.587916+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r26rev", "score": 1, "num_comments": 1, "created_utc": 1770837577.0, "selftext": "Hi all! Fiancee is wanting to get the Venture with the elevated SUB but has taken out a card recently and wants a little more time before applying to increase her chances. I see that there's no stated end-date on the promo, but will C1 give any heads-up when it's ending soon? I know last time it was just under 2 months long, but I feel like we knew when it was ending back then. \n\nThanks :) ", "sort": "hot", "upvote_ratio": 0.67, "author": "Aaron90495"}

selftext:
Hi all! Fiancee is wanting to get the Venture with the elevated SUB but has taken out a card recently and wants a little more time before applying to increase her chances. I see that there's no stated end-date on the promo, but will C1 give any heads-up when it's ending soon? I know last time it was just under 2 months long, but I feel like we knew when it was ending back then. 

Thanks :) 


topic_name: What is your worst credit card still in your collection and why do you still keep it?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qgcxtt/what_is_your_worst_credit_card_still_in_your/
collected_at: 2026-02-12T00:06:13.782116+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qgcxtt", "score": 108, "num_comments": 249, "created_utc": 1768753529.0, "selftext": "Everyone is always this is the best card, this is the best travel, etc. but what is your worst credit card in your collection that you just don't get rid of. Why do you still keep it?", "sort": "top", "upvote_ratio": 0.92, "author": "thefinancejedi"}

selftext:
Everyone is always this is the best card, this is the best travel, etc. but what is your worst credit card in your collection that you just don't get rid of. Why do you still keep it?


topic_name: motorcycle stolen and found in someone’s possession
source: reddit
region: global
collected_at: 2026-02-12T00:06:18.920894+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1r2d4pn/motorcycle_stolen_and_found_in_someones_possession/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2d4pn", "score": 1, "num_comments": 0, "created_utc": 1770852091.0, "selftext": "Location: Oregon \n\njust had my bike stolen and found it within 3 hours (thankfully). Unfortunately the awful part is that the police were unable to take the guy who stole it into custody because they could not prove he was the one who took it. \n\nThey said that his friend bought it from market place and asked him to pick it up from the purchase spot and take it to his home. I guess because he didn\u2019t load the bike they can\u2019t prove it. \n\nMy question is do you guys know what I can do ? I feel like p", "sort": "hot", "upvote_ratio": 1.0, "author": "Awkward_Willow_8561"}

selftext:
Location: Oregon 

just had my bike stolen and found it within 3 hours (thankfully). Unfortunately the awful part is that the police were unable to take the guy who stole it into custody because they could not prove he was the one who took it. 

They said that his friend bought it from market place and asked him to pick it up from the purchase spot and take it to his home. I guess because he didn’t load the bike they can’t prove it. 

My question is do you guys know what I can do ? I feel like p


topic_name: Pet sitter tortured our animals
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qyg91u/pet_sitter_tortured_our_animals/
collected_at: 2026-02-12T00:06:22.356557+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qyg91u", "score": 984, "num_comments": 63, "created_utc": 1770477119.0, "selftext": "location: charlottesville virginia \n\nwe just got back from vacation to find that our pet sitter had essentially tortured our animals. all of our fish are dead, we have had the tank for over 4 years and in one week they were all killed\n\nour dogs had used the bathroom on the floor multiple times and there were puddles of urine on the floor that had been there for long enough that it had dried, become sticky, and warped our floor boards\n\none of our dogs was locked outside and we dont know how long ", "sort": "top", "upvote_ratio": 0.96, "author": "Key_Fox_1013"}

selftext:
location: charlottesville virginia 

we just got back from vacation to find that our pet sitter had essentially tortured our animals. all of our fish are dead, we have had the tank for over 4 years and in one week they were all killed

our dogs had used the bathroom on the floor multiple times and there were puddles of urine on the floor that had been there for long enough that it had dried, become sticky, and warped our floor boards

one of our dogs was locked outside and we dont know how long 


topic_name: LPT: Set up a voice to notes for when you're driving.
source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286079+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qxitmq/lpt_set_up_a_voice_to_notes_for_when_youre_driving/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qxitmq", "score": 0, "num_comments": 5, "created_utc": 1770387497.0, "selftext": "If you have thoughts or ideas when youre driving and want to remember them later, use your phones AI to set up a voice note. I just activate the ai and say \"add *insert thought* to my driving notes\" and it does just that. Then when im home I can open my notes app and all my thoughts/ideas are there.", "sort": "hot", "upvote_ratio": 0.41, "author": "HikerHelmut"}

selftext:
If you have thoughts or ideas when youre driving and want to remember them later, use your phones AI to set up a voice note. I just activate the ai and say "add *insert thought* to my driving notes" and it does just that. Then when im home I can open my notes app and all my thoughts/ideas are there.


source: reddit
region: global
collected_at: 2026-02-12T00:06:31.302127+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT - Getting your amateur radio (ham radio) operator license is cheap, and the radio doesn't rely on internet or cell towers

url:
https://reddit.com/r/LifeProTips/comments/1qeqfsz/lpt_getting_your_amateur_radio_ham_radio_operator/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qeqfsz", "score": 2494, "num_comments": 220, "created_utc": 1768593514.0, "selftext": "With more and more threats to every day freedoms, and as shown in Iran blacking out the internet, or with outages like Verizon (USA), Rogers (Canada),  taking out entire networks across nations, we need alternate means of contact across 100s of miles. \n\nHam radios require a relatively easy to get license to operate, and the radios themselves can be picked up on Amazon for as low as $50.  ", "sort": "top", "upvote_ratio": 0.93, "author": "kryo2019"}

selftext:
With more and more threats to every day freedoms, and as shown in Iran blacking out the internet, or with outages like Verizon (USA), Rogers (Canada),  taking out entire networks across nations, we need alternate means of contact across 100s of miles. 

Ham radios require a relatively easy to get license to operate, and the radios themselves can be picked up on Amazon for as low as $50.  


topic_name: Batteries for laptops, smartphones, and household goods
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r16rv7/batteries_for_laptops_smartphones_and_household/
collected_at: 2026-02-12T00:06:36.789700+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r16rv7", "score": 5, "num_comments": 7, "created_utc": 1770743810.0, "selftext": "Bonus if you know of good car batteries and batteries for EVs.\n\n  \nBatteries are the one of the primary (if not *the* primary) obstacle in the lifetime of electronic products.\n\n  \nI would like to be able to keep the same laptop and iPhone forever (or as close as I can get to forever).\n\nI also like cordless vacuums but I know that they are less sustainable than regular \"wired\" vacuums.\n\n  \nTIA!", "sort": "hot", "upvote_ratio": 0.73, "author": "5krishnan"}

selftext:
Bonus if you know of good car batteries and batteries for EVs.

  
Batteries are the one of the primary (if not *the* primary) obstacle in the lifetime of electronic products.

  
I would like to be able to keep the same laptop and iPhone forever (or as close as I can get to forever).

I also like cordless vacuums but I know that they are less sustainable than regular "wired" vacuums.

  
TIA!


topic_name: Briggs &amp; Riley "warranty": Broken zipper costs $255 to fix
source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492302+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qgtqwo/briggs_riley_warranty_broken_zipper_costs_255_to/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qgtqwo", "score": 745, "num_comments": 103, "created_utc": 1768795183.0, "selftext": "I sent in my 6 year old carry-on because of a broken zipper. The bag is in decent shape and has only been used about 25 times. I was shocked when they told me it couldn't be repaired.\n\nInstead of a replacement, they gave me two bad options. First, a partial credit. To get the same replacement model, I have to pay $220 out of pocket plus the $35 shipping I already paid (side note, why does Houston have to ship somewhere and it's $35 for a carry-on?).\n\nSecond, they offered to replace it with a \"sa", "sort": "top", "upvote_ratio": 0.95, "author": "triclavian"}

selftext:
I sent in my 6 year old carry-on because of a broken zipper. The bag is in decent shape and has only been used about 25 times. I was shocked when they told me it couldn't be repaired.

Instead of a replacement, they gave me two bad options. First, a partial credit. To get the same replacement model, I have to pay $220 out of pocket plus the $35 shipping I already paid (side note, why does Houston have to ship somewhere and it's $35 for a carry-on?).

Second, they offered to replace it with a "sa


topic_name: Daily FI discussion thread - Friday, January 30, 2026
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000062+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qr1e3m/daily_fi_discussion_thread_friday_january_30_2026/

metadata:
{"subreddit": "financialindependence", "post_id": "1qr1e3m", "score": 41, "num_comments": 395, "created_utc": 1769767279.0, "selftext": "Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!\n\nHave a look at the\u00a0[FAQ](https://www.reddit.com/r/financialindependence/wiki/faq)\u00a0for this subreddit before posting to see if your question is frequently asked.\n\nSince this post does tend to get busy", "sort": "hot", "upvote_ratio": 0.88, "author": "AutoModerator"}


topic_name: Seattle Seahawks vs New England Patriots | Super Bowl LX Game Highlights
source: youtube
region: US
url: https://youtube.com/watch?v=ksG9O8PHXbI
collected_at: 2026-02-12T00:04:30.766190
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "ksG9O8PHXbI", "channel": "NFL", "category": "Sports", "category_id": 17, "views": "5856043", "view_count": 5856043, "likes": "73459", "published_at": "2026-02-09T04:08:30Z"}


topic_name: Probably a dumb question about IRAs
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2a96h/probably_a_dumb_question_about_iras/
collected_at: 2026-02-12T00:04:41.814933+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2a96h", "score": 0, "num_comments": 11, "created_utc": 1770845395.0, "selftext": "I know this is going to show my na\u00efvet\u00e9, but I have a question about IRA dividends.  When my mother was in her 50s, she had multiple investments, mostly inherited or gifted, and she regularly (although I don\u2019t know how often), received dividend checks that supplemented her very modest library technician income.  I only know this because she talked about it on occasion.  Fast forward and I\u2019m about the age she was when I recall her telling me this, and I know that she continued receiving dividend ", "sort": "hot", "upvote_ratio": 0.5, "author": "9seven5"}

selftext:
I know this is going to show my naïveté, but I have a question about IRA dividends.  When my mother was in her 50s, she had multiple investments, mostly inherited or gifted, and she regularly (although I don’t know how often), received dividend checks that supplemented her very modest library technician income.  I only know this because she talked about it on occasion.  Fast forward and I’m about the age she was when I recall her telling me this, and I know that she continued receiving dividend 


topic_name: Delayed career start due to PhD, panic mode enabled
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418226+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qqlfg5/delayed_career_start_due_to_phd_panic_mode_enabled/

metadata:
{"subreddit": "personalfinance", "post_id": "1qqlfg5", "score": 324, "num_comments": 179, "created_utc": 1769721584.0, "selftext": "I just finished my PhD in biomedical sciences and will be starting as a scientist at a biotech startup in a MCOL area next month (\\~80K/year + 3% 401k contribution; not great, but startup experience will be valuable). I'm 27 and have never made enough money to really save for retirement/house/family, so that is a priority now. Rent is \\~$1500, and I have a dog (average \\~200/month), a car (paid off, insurance is $100/month), and student loans (30K total; \\~$300/month), and I keep other expenses ", "sort": "top", "upvote_ratio": 0.83, "author": "Ok_Onion_4116"}

selftext:
I just finished my PhD in biomedical sciences and will be starting as a scientist at a biotech startup in a MCOL area next month (\~80K/year + 3% 401k contribution; not great, but startup experience will be valuable). I'm 27 and have never made enough money to really save for retirement/house/family, so that is a priority now. Rent is \~$1500, and I have a dog (average \~200/month), a car (paid off, insurance is $100/month), and student loans (30K total; \~$300/month), and I keep other expenses 


topic_name: CarShop
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r11aic/carshop/
collected_at: 2026-02-12T00:04:50.635755+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r11aic", "score": 0, "num_comments": 3, "created_utc": 1770731527.0, "selftext": "I recently got a job offer at CarShop as a salesman. I am new to the industry. Does anybody have any experience selling cars with them? I was offered $20,000 base pay, with Unit Bonuses, CSI bonuses and aftermarket bonuses. They advertise $50-80k salary on indeed. Is this a realistic salary? ", "sort": "hot", "upvote_ratio": 0.5, "author": "AJSock05"}

selftext:
I recently got a job offer at CarShop as a salesman. I am new to the industry. Does anybody have any experience selling cars with them? I was offered $20,000 base pay, with Unit Bonuses, CSI bonuses and aftermarket bonuses. They advertise $50-80k salary on indeed. Is this a realistic salary? 


topic_name: How to deal with a coworker disliking me?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qlbzvn/how_to_deal_with_a_coworker_disliking_me/
collected_at: 2026-02-12T00:04:53.860337+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qlbzvn", "score": 19, "num_comments": 41, "created_utc": 1769225260.0, "selftext": "Hey guys,\n\nSo, I'm new to the car sales industry (only 3 weeks in), but I've already made some sales and I'm **grinding** (putting in extra hours since I'm single). I'm putting in like 3x more calls a day than average and making a lot of appointments. The sales managers and upper-management (GM, etc.) all like me, and got me business cards early (normally they give it after 3 months) right away and are putting me in a local newspaper for my ethnic group since we have a LOT of people in the area ", "sort": "top", "upvote_ratio": 0.79, "author": "SecretlyAPotatoChip"}

selftext:
Hey guys,

So, I'm new to the car sales industry (only 3 weeks in), but I've already made some sales and I'm **grinding** (putting in extra hours since I'm single). I'm putting in like 3x more calls a day than average and making a lot of appointments. The sales managers and upper-management (GM, etc.) all like me, and got me business cards early (normally they give it after 3 months) right away and are putting me in a local newspaper for my ethnic group since we have a LOT of people in the area 


topic_name: Homeless To $3,600 Challenge - Part 1
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r28808/homeless_to_3600_challenge_part_1/
collected_at: 2026-02-12T00:04:59.457520+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r28808", "score": 0, "num_comments": 0, "created_utc": 1770840812.0, "selftext": "Seeing if I can make the average rent in America plus a security deposit in 30 days by living in my car and working gig apps!", "sort": "hot", "upvote_ratio": 0.17, "author": "SpencerJoyceMusic"}

selftext:
Seeing if I can make the average rent in America plus a security deposit in 30 days by living in my car and working gig apps!


topic_name: is USA Relief Group a scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1j31q/is_usa_relief_group_a_scam/
collected_at: 2026-02-12T00:05:08.886727+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1j31q", "score": 4, "num_comments": 17, "created_utc": 1770771661.0, "selftext": "I'm pretty sure it's a scam, pls tell me if im wrong though. I saw the ad on youtube it was a video of this guy basically talking about how he was stuck in the snow storm and couldn't afford to get his kids food.\n\n If you click the video it takes you to this page where you can donate and at the bottom there's a tax id. TAX ID:\u00a035-2220327 which belongs to a mosque in texas, even though if you look at the terms of service on USA Relief Group it says they're in Delaware. I'm not sure if the mosque ", "sort": "hot", "upvote_ratio": 0.67, "author": "Ok_Sugar_8884"}

selftext:
I'm pretty sure it's a scam, pls tell me if im wrong though. I saw the ad on youtube it was a video of this guy basically talking about how he was stuck in the snow storm and couldn't afford to get his kids food.

 If you click the video it takes you to this page where you can donate and at the bottom there's a tax id. TAX ID: 35-2220327 which belongs to a mosque in texas, even though if you look at the terms of service on USA Relief Group it says they're in Delaware. I'm not sure if the mosque 


source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qdb6a7/usa_man_came_up_to_my_door_saying_that_my_camper/
collected_at: 2026-02-12T00:05:12.358909+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
topic_name:
(USA) Man came up to my door saying that my camper trailer was for sale on offerup when its not. Knew our names.

metadata:
{"subreddit": "Scams", "post_id": "1qdb6a7", "score": 127, "num_comments": 31, "created_utc": 1768455377.0, "selftext": "Hi all and thank you for advance,\n\nA man and woman came up to my door asking for my father (they knew his name) and saying that they were here to \u201ccheck out the trailer in our front yard thats for sale on OfferUp\u201d. They said that my fathers\u2019 friend (who they also knew by name) said that my father was selling his trailer. According to them, they saw a listing under my father\u2019s friend\u2019s name and this account said they were \u201chelping a friend sell the trailer\u201d. I told my father this and he said that", "sort": "top", "upvote_ratio": 0.96, "author": "cdogwoo"}

selftext:
Hi all and thank you for advance,

A man and woman came up to my door asking for my father (they knew his name) and saying that they were here to “check out the trailer in our front yard thats for sale on OfferUp”. They said that my fathers’ friend (who they also knew by name) said that my father was selling his trailer. According to them, they saw a listing under my father’s friend’s name and this account said they were “helping a friend sell the trailer”. I told my father this and he said that


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pxhimh/the_cpu_cooler_and_motherboards_bolt_screw_are/
collected_at: 2026-02-12T00:05:17.889804+00:00
autocomplete: []
selftext: Are you fucking kidding me?
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
The CPU Cooler and Motherboard's bolt screw are being blocked by seller's warranty sticker. Preventing me from checking faulty CPU or not being able to reseating the Mobo.

metadata:
{"subreddit": "assholedesign", "post_id": "1pxhimh", "score": 1795, "num_comments": 158, "created_utc": 1766894194.0, "selftext": "Are you fucking kidding me?", "sort": "hot", "upvote_ratio": 0.95, "author": "Rabbidscool"}


topic_name: Local MLM hun publicly being roasted.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxkmii/local_mlm_hun_publicly_being_roasted/
collected_at: 2026-02-12T00:05:26.020525+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxkmii", "score": 239, "num_comments": 21, "created_utc": 1770391669.0, "selftext": "A girl I went to high school with has been doing Herbalife for years now. She\u2019s created a whole narrative about how much weight she\u2019s lost, how bullied she used to be, multiple sympathetic stories fully fabricated over the years to entice other women to buy from her or join her team. For those of us who knew her, she was always a sketchy person to get involved with.\n\nShe stopped targeting people from our home town who knew her because she had a bad reputation for theft and lying before her Herba", "sort": "hot", "upvote_ratio": 1.0, "author": "Ok-Temperature6262"}

selftext:
A girl I went to high school with has been doing Herbalife for years now. She’s created a whole narrative about how much weight she’s lost, how bullied she used to be, multiple sympathetic stories fully fabricated over the years to entice other women to buy from her or join her team. For those of us who knew her, she was always a sketchy person to get involved with.

She stopped targeting people from our home town who knew her because she had a bad reputation for theft and lying before her Herba


topic_name: Offered 3,000 for pain and suffering - is it reasonable to try to get between 4-5?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r288kb/offered_3000_for_pain_and_suffering_is_it/
collected_at: 2026-02-12T00:05:44.256690+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r288kb", "score": 0, "num_comments": 6, "created_utc": 1770840846.0, "selftext": "The other drivers insurance has contacted me and offered 3k for P&amp;S. PIP has to go through my insurance up to 20k and i dont expect it to exceed that, however my son and I are still receiving treatment and follow ups.\n\nI got a concussion from the accident and severe neck pain, and its been very difficult to care for my children without help. I dont know how long it will take for me to start feeling more able to manage on my own. I dont know what to ask for here.", "sort": "hot", "upvote_ratio": 0.13, "author": "Fun-Camera-2541"}

selftext:
The other drivers insurance has contacted me and offered 3k for P&amp;S. PIP has to go through my insurance up to 20k and i dont expect it to exceed that, however my son and I are still receiving treatment and follow ups.

I got a concussion from the accident and severe neck pain, and its been very difficult to care for my children without help. I dont know how long it will take for me to start feeling more able to manage on my own. I dont know what to ask for here.


topic_name: Pet Insurance Claim Denied
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qfb6gl/pet_insurance_claim_denied/
collected_at: 2026-02-12T00:05:47.658395+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qfb6gl", "score": 16, "num_comments": 29, "created_utc": 1768650300.0, "selftext": "Hey everyone!\n\nMy cat was recently diagnosed with CKD and was hospitalized for 5.5 days racking up 13 grand.\n\nI suspected the claim would be accepted but it was denied since there were symptoms of a \u201cpre-existing condition\u201d.\n\nThis is from lemonade.\n\nThey replied with two things with stating two dates where his bloodwork showed \u201csigns\u201d of abnormal kidney levels.\n\nThey didn\u2019t show me which ones they were talking about but the indicators I\u2019m assuming are his creatinine which went from 1.7 to 2.0 ( ", "sort": "top", "upvote_ratio": 0.67, "author": "YUP_THATS_ME17"}

selftext:
Hey everyone!

My cat was recently diagnosed with CKD and was hospitalized for 5.5 days racking up 13 grand.

I suspected the claim would be accepted but it was denied since there were symptoms of a “pre-existing condition”.

This is from lemonade.

They replied with two things with stating two dates where his bloodwork showed “signs” of abnormal kidney levels.

They didn’t show me which ones they were talking about but the indicators I’m assuming are his creatinine which went from 1.7 to 2.0 ( 


topic_name: Autonation Toyota Recall Upsells
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1ozngvj/autonation_toyota_recall_upsells/
collected_at: 2026-02-12T00:05:53.366358+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1ozngvj", "score": 7, "num_comments": 0, "created_utc": 1763402767.0, "selftext": "Received a letter to take a vehicle in for a recall fix. This is what they send over. There are 17 check boxes worth of \"repairs\", all checked by default, collapsed/hidden from view. The only visible checkbox is the \"I have reviewed and selected my services and approve work on my vehicle\" before you can click submit. I can only imagine someone not tech savvy, or older, checking that box and submitting then showing up with a $7000 repair bill.\n\nYou have to open each section, manually uncheck each", "sort": "hot", "upvote_ratio": 0.82, "author": "Bleed4Glory"}

selftext:
Received a letter to take a vehicle in for a recall fix. This is what they send over. There are 17 check boxes worth of "repairs", all checked by default, collapsed/hidden from view. The only visible checkbox is the "I have reviewed and selected my services and approve work on my vehicle" before you can click submit. I can only imagine someone not tech savvy, or older, checking that box and submitting then showing up with a $7000 repair bill.

You have to open each section, manually uncheck each


topic_name: What's your best fast food app tip/hack?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qypu5t/whats_your_best_fast_food_app_tiphack/
collected_at: 2026-02-12T00:06:01.656959+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qypu5t", "score": 18, "num_comments": 15, "created_utc": 1770499350.0, "selftext": "What's your best hack or tip for getting the most out of fast food apps, or even grocery store rewards apps?\n\nI'm currently homeless out of my car so pre-made foods are pretty much my go-to. I have a single burner stove but propane has to be saved for when it's cold out and I need to make canned soup \ud83e\udee0\n\nI try to get extra veg or potatoes to boil and add to the canned soup, or I'll get a can of broth and add it to condensed soup for more calories. I also try to make sure any place I buy from, inc", "sort": "hot", "upvote_ratio": 0.77, "author": "Art-Tally-0657"}

selftext:
What's your best hack or tip for getting the most out of fast food apps, or even grocery store rewards apps?

I'm currently homeless out of my car so pre-made foods are pretty much my go-to. I have a single burner stove but propane has to be saved for when it's cold out and I need to make canned soup 🫠

I try to get extra veg or potatoes to boil and add to the canned soup, or I'll get a can of broth and add it to condensed soup for more calories. I also try to make sure any place I buy from, inc


topic_name: Credit card recommendation help
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r26gh0/credit_card_recommendation_help/
collected_at: 2026-02-12T00:06:10.587920+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r26gh0", "score": 1, "num_comments": 6, "created_utc": 1770836906.0, "selftext": "* Current cards: (list cards, limits, opening date)\n   * Citi costco visa card, 4000 limit\n* FICO Score:\u00a0*667*\n* Oldest account age: 8 years, 11 months\n* Chase 5/24 status:\u00a0*n/a*\n* Income:\u00a0*118k+*\n* Average monthly spend and categories:\n   * dining 300\n   * groceries: 450\n   * gas: 120\n   * travel: \n   * other:\n* Open to Business Cards:\u00a0*no*\n* What's the purpose of your next card?\u00a0*building credit*\n* Do you have any cards you've been looking at?\u00a0*I recently got denied for chase sapphire preferre", "sort": "hot", "upvote_ratio": 0.67, "author": "Skoobitybopp"}

selftext:
* Current cards: (list cards, limits, opening date)
   * Citi costco visa card, 4000 limit
* FICO Score: *667*
* Oldest account age: 8 years, 11 months
* Chase 5/24 status: *n/a*
* Income: *118k+*
* Average monthly spend and categories:
   * dining 300
   * groceries: 450
   * gas: 120
   * travel: 
   * other:
* Open to Business Cards: *no*
* What's the purpose of your next card? *building credit*
* Do you have any cards you've been looking at? *I recently got denied for chase sapphire preferre


topic_name: Breaking down the BILT Cash options by usefulness
source: reddit
region: global
collected_at: 2026-02-12T00:06:13.782120+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1qjh6bu/breaking_down_the_bilt_cash_options_by_usefulness/

metadata:
{"subreddit": "CreditCards", "post_id": "1qjh6bu", "score": 103, "num_comments": 54, "created_utc": 1769046215.0, "selftext": "Since Ankur posted a PHD thesis, I figured I'd summarize my view of the uses for BILT cash\n\n# Best uses (IMO)\n\n* Transfer bonuses - again, best with Gold which usually means Palladium these days. Platinum has some insane transfer bonus rates. Will make all your points worth more.\n* Due to the caps, it does not seem like there is any standard better use for BILT Cash then earning the extra 1.33 points per dollar of rent/mortgage. This part seems like a no brainer\n* For Palladium members who have ", "sort": "top", "upvote_ratio": 0.93, "author": "azure275"}

selftext:
Since Ankur posted a PHD thesis, I figured I'd summarize my view of the uses for BILT cash

# Best uses (IMO)

* Transfer bonuses - again, best with Gold which usually means Palladium these days. Platinum has some insane transfer bonus rates. Will make all your points worth more.
* Due to the caps, it does not seem like there is any standard better use for BILT Cash then earning the extra 1.33 points per dollar of rent/mortgage. This part seems like a no brainer
* For Palladium members who have 


topic_name: Hung Jury - Mistrial Advice (Michigan)
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r276tf/hung_jury_mistrial_advice_michigan/
collected_at: 2026-02-12T00:06:18.920898+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r276tf", "score": 3, "num_comments": 1, "created_utc": 1770838521.0, "selftext": "Location: Michigan, USA.\n\nPosting this under a burner as I do not wish to be identified with my normal Reddit name.\n\nUnfortunately our minor daughter was a victim of home invasion (charged as 3rd degree) plus indecent exposure. The suspect was apprehended immediately, within 5(ish) minutes of the event.\n\nAfter a two day trial, mistrial declared after 1 juror would apparently not be dissuaded after nearly 10 hours of the other 11 trying to convince the one to find guilty. The single juror apparen", "sort": "hot", "upvote_ratio": 0.59, "author": "SurpriseMistrial888"}

selftext:
Location: Michigan, USA.

Posting this under a burner as I do not wish to be identified with my normal Reddit name.

Unfortunately our minor daughter was a victim of home invasion (charged as 3rd degree) plus indecent exposure. The suspect was apprehended immediately, within 5(ish) minutes of the event.

After a two day trial, mistrial declared after 1 juror would apparently not be dissuaded after nearly 10 hours of the other 11 trying to convince the one to find guilty. The single juror apparen


topic_name: My birth control was switched at the pharmacy
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qgvhk5/my_birth_control_was_switched_at_the_pharmacy/
collected_at: 2026-02-12T00:06:22.356561+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qgvhk5", "score": 979, "num_comments": 121, "created_utc": 1768800364.0, "selftext": "So as the title says my birth control was switched out at the pharmacy. I\u2019ve been taking it for years so I wouldn\u2019t get my period due to them being completely awful and painful, but I got the prescription from an online doctor. \n\nIn October, I went to see an ob-gyn and she prescribed me the same medication but under her now. I noticed when I went to go pick it up it had a different name, but didn\u2019t think anything of it. I started taking it on the second week of December when I finished the last ", "sort": "top", "upvote_ratio": 0.8, "author": "joceleanc"}

selftext:
So as the title says my birth control was switched out at the pharmacy. I’ve been taking it for years so I wouldn’t get my period due to them being completely awful and painful, but I got the prescription from an online doctor. 

In October, I went to see an ob-gyn and she prescribed me the same medication but under her now. I noticed when I went to go pick it up it had a different name, but didn’t think anything of it. I started taking it on the second week of December when I finished the last 


topic_name: Lpt: You arent obligated to defend your past-self, even if your ego tells you otherwise
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qvk9b2/lpt_you_arent_obligated_to_defend_your_pastself/
collected_at: 2026-02-12T00:06:28.286083+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qvk9b2", "score": 1745, "num_comments": 68, "created_utc": 1770197997.0, "selftext": "If your past-self made a mistake and your present-self now has different point of view or has grown: Own the mistake and learn from it, dont let your ego get in the way. It will safe you a lot of arguements, fights and might even improve your reputation.", "sort": "hot", "upvote_ratio": 0.97, "author": "low_bob_123"}

selftext:
If your past-self made a mistake and your present-self now has different point of view or has grown: Own the mistake and learn from it, dont let your ego get in the way. It will safe you a lot of arguements, fights and might even improve your reputation.


topic_name: What webcam are people using for Zoom/Teams that actually looks decent?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1sngr/what_webcam_are_people_using_for_zoomteams_that/
collected_at: 2026-02-12T00:06:36.789704+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1sngr", "score": 0, "num_comments": 16, "created_utc": 1770801315.0, "selftext": "I\u2019m on video calls almost every day and I feel like I look noticeably worse than everyone else My laptop camera is washed out and grainy, especially when it\u2019s not super bright in the room.\n\nI don\u2019t want to overspend on a streamer or YouTuber setup just something that makes me look clear and professional. Curious what webcams people here are using and if there are any good mid-range options.\n\nAny recommendations or brands to check out?\n\n  \n  \n  \n", "sort": "hot", "upvote_ratio": 0.38, "author": "vinewb"}

selftext:
I’m on video calls almost every day and I feel like I look noticeably worse than everyone else My laptop camera is washed out and grainy, especially when it’s not super bright in the room.

I don’t want to overspend on a streamer or YouTuber setup just something that makes me look clear and professional. Curious what webcams people here are using and if there are any good mid-range options.

Any recommendations or brands to check out?

  
  
  


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qjk7xq/vintage_food_timer_my_great_great_grandmother/
collected_at: 2026-02-12T00:06:40.492307+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
Vintage food timer my Great Great Grandmother owned is still working perfectly and is still accurate

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qjk7xq", "score": 712, "num_comments": 19, "created_utc": 1769054452.0, "selftext": "", "sort": "top", "upvote_ratio": 0.99, "author": "NothingEffective5070"}


topic_name: Daily FI discussion thread - Thursday, January 29, 2026
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000065+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qq4knv/daily_fi_discussion_thread_thursday_january_29/

metadata:
{"subreddit": "financialindependence", "post_id": "1qq4knv", "score": 49, "num_comments": 358, "created_utc": 1769680871.0, "selftext": "Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!\n\nHave a look at the\u00a0[FAQ](https://www.reddit.com/r/financialindependence/wiki/faq)\u00a0for this subreddit before posting to see if your question is frequently asked.\n\nSince this post does tend to get busy", "sort": "hot", "upvote_ratio": 0.93, "author": "AutoModerator"}


topic_name: I can’t believe this is allowed 😂 #sponsored @NBCSports @YouTube #olympics #winterolympics #olympic
source: youtube
region: US
url: https://youtube.com/watch?v=I0gDMrq4Hjk
collected_at: 2026-02-12T00:04:30.766170
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "I0gDMrq4Hjk", "channel": "Ian Gunther", "category": "Sports", "category_id": 17, "views": "5677124", "view_count": 5677124, "likes": "283459", "published_at": "2026-02-06T17:10:47Z"}


topic_name: 🎬: The Big C 📺: Netflix
source: youtube
region: CA
url: https://youtube.com/watch?v=L6iSbKcqUHA
collected_at: 2026-02-12T00:04:31.506229
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "L6iSbKcqUHA", "channel": "Advice", "category": "Entertainment", "category_id": 24, "views": "6841514", "view_count": 6841514, "likes": "457182", "published_at": "2026-02-06T18:20:37Z"}


topic_name: ZeroDayRAT malware grants full access to Android, iOS devices - BleepingComputer
source: google_news
region: US
collected_at: 2026-02-12T00:04:33.249181
autocomplete: []
category: Technology
reddit_subreddits: []
signal_type: news_context
url:

metadata:
{"published": "Tue, 10 Feb 2026 13:00:00 GMT", "source_publication": "BleepingComputer", "category": "Technology"}


source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814938+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
My parents passed when I was 12, I am just not getting my inheritance at 30. How can I verify that the person managing these accounts is qualified and has my best interests in mind?

url:
https://reddit.com/r/personalfinance/comments/1r0xgmc/my_parents_passed_when_i_was_12_i_am_just_not/

metadata:
{"subreddit": "personalfinance", "post_id": "1r0xgmc", "score": 596, "num_comments": 168, "created_utc": 1770720144.0, "selftext": "The inheritance is split into 3 groups:\n\nApproximately 1,000oz of physical silver coins\n\nAn inherited custodial IRA account with $100k in (BALCX) American Balanced Fund\n\nAnd $200k split three ways in (GFACX) the Growth Fund of America, (IFACX) the Income Fund of America, and (SCWCX) SMALLCAP World Fund.\n\nThe guy who has been managing these accounts owns a \u201ctax professionals\u201d business, I\u2019m honestly not sure who this guy is, or what his qualifications and motivations are for managing these account", "sort": "hot", "upvote_ratio": 0.91, "author": "Suspicious_Yak5988"}

selftext:
The inheritance is split into 3 groups:

Approximately 1,000oz of physical silver coins

An inherited custodial IRA account with $100k in (BALCX) American Balanced Fund

And $200k split three ways in (GFACX) the Growth Fund of America, (IFACX) the Income Fund of America, and (SCWCX) SMALLCAP World Fund.

The guy who has been managing these accounts owns a “tax professionals” business, I’m honestly not sure who this guy is, or what his qualifications and motivations are for managing these account


topic_name: Newly a trust fund kid. Unsure of how to plan the money for the future.
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418230+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qds5mo/newly_a_trust_fund_kid_unsure_of_how_to_plan_the/

metadata:
{"subreddit": "personalfinance", "post_id": "1qds5mo", "score": 324, "num_comments": 127, "created_utc": 1768503061.0, "selftext": "My father just passed away. His life was insured for $1 million which is held in an irrevocable trust to which I am the sole beneficiary and my mother is the trustee. I (24m) just graduated college last May, currently live at home in Boston MA, and am a contractor making 30/hr as a legal assistant. I want to move out in June to NYC to pursue my legal career (where I expect to make equivalent or higher salary for the first year) and have plans for law school (for which I expect a decent scholarsh", "sort": "top", "upvote_ratio": 0.79, "author": "dennysparkinglot420"}

selftext:
My father just passed away. His life was insured for $1 million which is held in an irrevocable trust to which I am the sole beneficiary and my mother is the trustee. I (24m) just graduated college last May, currently live at home in Boston MA, and am a contractor making 30/hr as a legal assistant. I want to move out in June to NYC to pursue my legal career (where I expect to make equivalent or higher salary for the first year) and have plans for law school (for which I expect a decent scholarsh


topic_name: Tell me I’m stupid(OTD price)
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1c8pw/tell_me_im_stupidotd_price/
collected_at: 2026-02-12T00:04:50.635759+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1c8pw", "score": 0, "num_comments": 23, "created_utc": 1770755473.0, "selftext": "Truck I\u2019m looking at is listed at 83k msrp discounted to 71.6k. The destination and delivery is in the msrp. Their dealer comments say price does not include taxes, tags, dealer/government fees. \n\nThey\u2019re adding back in destination($2595), a $500 military discount, and a bedliner($799)I didn\u2019t ask for. Doc fee is $799 and Registration is $694.\n\nSomehow I\u2019m back at 81k out the door. I was expecting to be 75-76k. Am I an idiot?", "sort": "hot", "upvote_ratio": 0.39, "author": "Killingmacheen"}

selftext:
Truck I’m looking at is listed at 83k msrp discounted to 71.6k. The destination and delivery is in the msrp. Their dealer comments say price does not include taxes, tags, dealer/government fees. 

They’re adding back in destination($2595), a $500 military discount, and a bedliner($799)I didn’t ask for. Doc fee is $799 and Registration is $694.

Somehow I’m back at 81k out the door. I was expecting to be 75-76k. Am I an idiot?


topic_name: I want to trade in a car I just bought because I hate it
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qi8t2a/i_want_to_trade_in_a_car_i_just_bought_because_i/
collected_at: 2026-02-12T00:04:53.860344+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qi8t2a", "score": 21, "num_comments": 31, "created_utc": 1768933009.0, "selftext": "I(21f) live in Oregon, and a couple days ago I started financing a vehicle from Salem that I really dont want. I was pressured into this car by an uncle and the sales rep, which I know is my fault, and ended up buying a car that is the opposite of what I was looking for. The car is a 2015 Chevy Trax awd with 80k miles, good gas mileage, 1 owner, and has been very well maintained. It was 10k, but with the warranties, service fees, etc it came out to about 19k. I put 5k as a down payment and am on", "sort": "top", "upvote_ratio": 0.74, "author": "LizardLoon"}

selftext:
I(21f) live in Oregon, and a couple days ago I started financing a vehicle from Salem that I really dont want. I was pressured into this car by an uncle and the sales rep, which I know is my fault, and ended up buying a car that is the opposite of what I was looking for. The car is a 2015 Chevy Trax awd with 80k miles, good gas mileage, 1 owner, and has been very well maintained. It was 10k, but with the warranties, service fees, etc it came out to about 19k. I put 5k as a down payment and am on


topic_name: What expense shocked you when you finally noticed how often you paid for it?
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457524+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r2795q/what_expense_shocked_you_when_you_finally_noticed/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r2795q", "score": 0, "num_comments": 22, "created_utc": 1770838670.0, "selftext": "I\u2019ve been paying closer attention to spending lately, and one thing surprised me \u2014 it wasn\u2019t big purchases that added up.\n\nIt was the quiet, repeat ones.\n\nSubscriptions.  \nConvenience spending.  \nDelivery fees.  \nAuto-renewals.\n\nNone felt dramatic individually, but together they were significant.\n\nNow I\u2019m curious:\n\nWhat\u2019s an expense that caught you off guard once you noticed the pattern?", "sort": "hot", "upvote_ratio": 0.33, "author": "Full-Tip2622"}

selftext:
I’ve been paying closer attention to spending lately, and one thing surprised me — it wasn’t big purchases that added up.

It was the quiet, repeat ones.

Subscriptions.  
Convenience spending.  
Delivery fees.  
Auto-renewals.

None felt dramatic individually, but together they were significant.

Now I’m curious:

What’s an expense that caught you off guard once you noticed the pattern?


topic_name: Anytime I hear a rich person say being poor is better makes me wanna scream
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489264+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qqmuur/anytime_i_hear_a_rich_person_say_being_poor_is/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qqmuur", "score": 993, "num_comments": 141, "created_utc": 1769724826.0, "selftext": "got a flat tire on the road conveniently next to a belle tire. I have $264 dollars in my bank and over 6k in debt.  I\u2019ll be spending about $130 on a new tire today.\n\nim currently watching tv at the tire shop and guess whats on? a showcase of wealthy unique homes state of the art.\n\nthey go from house to house showing off their wealth. nothing wrong with that. the houses are beautiful but it reminds me of when rappers and actors tell people they miss being poor. haha they must have forgot how hard", "sort": "top", "upvote_ratio": 0.94, "author": "DiligentIncrease1973"}

selftext:
got a flat tire on the road conveniently next to a belle tire. I have $264 dollars in my bank and over 6k in debt.  I’ll be spending about $130 on a new tire today.

im currently watching tv at the tire shop and guess whats on? a showcase of wealthy unique homes state of the art.

they go from house to house showing off their wealth. nothing wrong with that. the houses are beautiful but it reminds me of when rappers and actors tell people they miss being poor. haha they must have forgot how hard


topic_name: [US] Just got a random package in the mail with a single spoon.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1n20b/us_just_got_a_random_package_in_the_mail_with_a/
collected_at: 2026-02-12T00:05:08.886732+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1n20b", "score": 2, "num_comments": 5, "created_utc": 1770782441.0, "selftext": "Haven't opened it yet and I plan on bringing it to the post office tomorrow. Anybody know what kind of scam this is? I haven't ordered anything expensive to my house, nor have I gotten any messages about a package arriving.", "sort": "hot", "upvote_ratio": 0.75, "author": "Kreeper128"}

selftext:
Haven't opened it yet and I plan on bringing it to the post office tomorrow. Anybody know what kind of scam this is? I haven't ordered anything expensive to my house, nor have I gotten any messages about a package arriving.


source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qko7s0/us_attended_becoming_superhuman_miami_event_heres/
collected_at: 2026-02-12T00:05:12.358913+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
topic_name:
[US] Attended "Becoming Superhuman" Miami Event? Here's What You ACTUALLY Signed (Word-for-Word from the Contract)

metadata:
{"subreddit": "Scams", "post_id": "1qko7s0", "score": 126, "num_comments": 52, "created_utc": 1769167229.0, "selftext": "If you attended Jason Shurka\u2019s \u201cThe Transformation: Becoming Superhuman\u201d event in Miami (Jan 16\u201318, 2026), you were asked to sign something titled an \u201cICCR Private Ecclesiastic Contractual Agreement.\u201d I have the contract. I\u2019m not posting anyone\u2019s personal info. I\u2019m posting the key parts as plain text so people can recognize what they signed.\n\nHere\u2019s what it says, word-for-word in the sections that matter:\n\nIt tells you not to talk to authorities:  \n\u201cAll activities performed within this Private E", "sort": "top", "upvote_ratio": 0.94, "author": "OldAccountGotEaten"}

selftext:
If you attended Jason Shurka’s “The Transformation: Becoming Superhuman” event in Miami (Jan 16–18, 2026), you were asked to sign something titled an “ICCR Private Ecclesiastic Contractual Agreement.” I have the contract. I’m not posting anyone’s personal info. I’m posting the key parts as plain text so people can recognize what they signed.

Here’s what it says, word-for-word in the sections that matter:

It tells you not to talk to authorities:  
“All activities performed within this Private E


topic_name: You must download our app for pricing
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1px37tr/you_must_download_our_app_for_pricing/
collected_at: 2026-02-12T00:05:17.889810+00:00
autocomplete: []
selftext: This is a new one for me - download the app to see pricing. Umm, no thanks.
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1px37tr", "score": 1037, "num_comments": 58, "created_utc": 1766856188.0, "selftext": "This is a new one for me - download the app to see pricing. Umm, no thanks. ", "sort": "hot", "upvote_ratio": 0.98, "author": "jonplackett"}


topic_name: Former Navy SEAL Don Shipley (Buds131) busts fake Navy SEAL and ACN "IBO" Joseph Albert Hicks
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxxm7c/former_navy_seal_don_shipley_buds131_busts_fake/
collected_at: 2026-02-12T00:05:26.020529+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxxm7c", "score": 40, "num_comments": 11, "created_utc": 1770420710.0, "selftext": "Apparently Hicks was trying to get a wife of someone who lived during the Iraqi war to join his \"business\". That's why this glorious video exists.\n\nSource: [https://videos.extremesealexperience.com/movie\\_Phony-Navy-Seal-Of-The-Week-Joseph-Albert-Hicks-The-Phony-Seal-Salesman](https://videos.extremesealexperience.com/movie_Phony-Navy-Seal-Of-The-Week-Joseph-Albert-Hicks-The-Phony-Seal-Salesman)", "sort": "hot", "upvote_ratio": 0.95, "author": "leewilliam236"}

selftext:
Apparently Hicks was trying to get a wife of someone who lived during the Iraqi war to join his "business". That's why this glorious video exists.

Source: [https://videos.extremesealexperience.com/movie\_Phony-Navy-Seal-Of-The-Week-Joseph-Albert-Hicks-The-Phony-Seal-Salesman](https://videos.extremesealexperience.com/movie_Phony-Navy-Seal-Of-The-Week-Joseph-Albert-Hicks-The-Phony-Seal-Salesman)


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qlscho/hun_claims_her_bravenly_product_will_reset_all_of/
collected_at: 2026-02-12T00:05:30.135148+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
Hun claims her Bravenly product will “reset” all of your organs, and rid your body of “toxins, chemicals, and all the nasty stuff.”

metadata:
{"subreddit": "antiMLM", "post_id": "1qlscho", "score": 163, "num_comments": 47, "created_utc": 1769274192.0, "selftext": "", "sort": "top", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: Successfully challenged total-loss valuation
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1bp7u/successfully_challenged_totalloss_valuation/
collected_at: 2026-02-12T00:05:44.256694+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1bp7u", "score": 16, "num_comments": 17, "created_utc": 1770754312.0, "selftext": "Hey everyone, I wanted to share my experience in case it helps anyone.\n\nWhen my car was totaled, the first offer from my insurer felt low. After some research, I realized that insurer valuations (from CCC or others) often rely on automated reports that can undervalue vehicles based on things like trim level, mileage, condition, or local market comparisons.\n\nCheck the details carefully. I reviewed how my car was classified in terms of trim, mileage, and condition. Gather evidence. I collected com", "sort": "hot", "upvote_ratio": 0.73, "author": "nonfactorwealth"}

selftext:
Hey everyone, I wanted to share my experience in case it helps anyone.

When my car was totaled, the first offer from my insurer felt low. After some research, I realized that insurer valuations (from CCC or others) often rely on automated reports that can undervalue vehicles based on things like trim level, mileage, condition, or local market comparisons.

Check the details carefully. I reviewed how my car was classified in terms of trim, mileage, and condition. Gather evidence. I collected com


topic_name: Dental office confirmed they were "in-network". Had work done. Insurance company denies claim?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r04xoq/dental_office_confirmed_they_were_innetwork_had/
collected_at: 2026-02-12T00:05:47.658399+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r04xoq", "score": 15, "num_comments": 11, "created_utc": 1770645619.0, "selftext": "LONG story short:\n\n\\- Ive been going to this dentist for years.  Stopped going last year due to them being out of network.\n\n\\- Contacted same office in January, confirmed they are back in network.\n\n\\-Spouse and I went in for \"free\" cleanings and a treatment plan (about $600) in late January.\n\n\\- 10 days after treatment receive EOB from insurance company stating they are not paying due to dentist being out of network.\n\n  \nI had an appt scheduled this week for more work.  Called the office and the", "sort": "top", "upvote_ratio": 0.77, "author": "dudreddit"}

selftext:
LONG story short:

\- Ive been going to this dentist for years.  Stopped going last year due to them being out of network.

\- Contacted same office in January, confirmed they are back in network.

\-Spouse and I went in for "free" cleanings and a treatment plan (about $600) in late January.

\- 10 days after treatment receive EOB from insurance company stating they are not paying due to dentist being out of network.

  
I had an appt scheduled this week for more work.  Called the office and the


topic_name: Meirl
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1otss2t/meirl/
collected_at: 2026-02-12T00:05:53.366361+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1otss2t", "score": 140, "num_comments": 1, "created_utc": 1762815277.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "Double_Camp4180"}


topic_name: When being frugal is a choice how do you
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qynuhy/when_being_frugal_is_a_choice_how_do_you/
collected_at: 2026-02-12T00:06:01.656963+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qynuhy", "score": 20, "num_comments": 47, "created_utc": 1770494649.0, "selftext": "When being frugal is a choice how do you Turn off your frugalness to buy something you don\u2019t necessarily need or is more expensive than it has to be? I am fortunate enough to be frugal but I have a hard time shutting it off when I want something I know breaks the frugal way.  I would being interested if anyone else experiences this and how they go about trying to break the habit ", "sort": "hot", "upvote_ratio": 0.74, "author": "Spinbunluthaaa"}

selftext:
When being frugal is a choice how do you Turn off your frugalness to buy something you don’t necessarily need or is more expensive than it has to be? I am fortunate enough to be frugal but I have a hard time shutting it off when I want something I know breaks the frugal way.  I would being interested if anyone else experiences this and how they go about trying to break the habit 


topic_name: Most unhinged way to save for a house
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qlnoa9/most_unhinged_way_to_save_for_a_house/
collected_at: 2026-02-12T00:06:05.044547+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qlnoa9", "score": 345, "num_comments": 269, "created_utc": 1769263142.0, "selftext": "Hi everyone! My husband and I are thinking of moving states in a few years. I know it\u2019s a long way off but we are planning how. I want to save as much money as possible but I want to hear some crazy unhinged tactics that you used to save a lot of money. \n\nI\u2019m aware of the basics, eat out less, don\u2019t spend money on alcohol, cancel subscriptions and don\u2019t buy clothes unless it\u2019s needed. I just wonder if there is anything else everyone recommends. \n\nWe\u2019re not buying a 600,000 home but every penny t", "sort": "top", "upvote_ratio": 0.9, "author": "Reasonable_Hat9668"}

selftext:
Hi everyone! My husband and I are thinking of moving states in a few years. I know it’s a long way off but we are planning how. I want to save as much money as possible but I want to hear some crazy unhinged tactics that you used to save a lot of money. 

I’m aware of the basics, eat out less, don’t spend money on alcohol, cancel subscriptions and don’t buy clothes unless it’s needed. I just wonder if there is anything else everyone recommends. 

We’re not buying a 600,000 home but every penny t


topic_name: So far disappointed with the 5321 CC.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2ccju/so_far_disappointed_with_the_5321_cc/
collected_at: 2026-02-12T00:06:10.587923+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2ccju", "score": 0, "num_comments": 3, "created_utc": 1770850209.0, "selftext": "\n\nNot talking about the new Citi Thankyou card which was the former SYW.\n\n\n\nIm taking about tbe 5321 which I thought would continue the tradition....\n\nI was hoping it would continue with the great target offers like spend $500 on gas and get $200  back...but im seeing nothing. Anyway my rant.", "sort": "hot", "upvote_ratio": 0.25, "author": "NoSignificance2377"}

selftext:
Not talking about the new Citi Thankyou card which was the former SYW.



Im taking about tbe 5321 which I thought would continue the tradition....

I was hoping it would continue with the great target offers like spend $500 on gas and get $200  back...but im seeing nothing. Anyway my rant.


topic_name: Behind the Unraveling of Apple’s Credit-Card Partnership With Goldman Sachs (WSJ free link)
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qccm90/behind_the_unraveling_of_apples_creditcard/
collected_at: 2026-02-12T00:06:13.782123+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qccm90", "score": 103, "num_comments": 20, "created_utc": 1768361572.0, "selftext": "After more than two years of negotiations, one of biggest credit-card deals of all time will see Goldman replaced by JPMorgan Chase on Apple credit card\n\n[https://www.wsj.com/finance/banking/apple-goldman-sachs-credit-card-what-happened-0e89749d?st=6tCYKW&amp;reflink=desktopwebshare\\_permalink](https://www.wsj.com/finance/banking/apple-goldman-sachs-credit-card-what-happened-0e89749d?st=6tCYKW&amp;reflink=desktopwebshare_permalink)", "sort": "top", "upvote_ratio": 0.96, "author": "TV_Grim_Reaper"}

selftext:
After more than two years of negotiations, one of biggest credit-card deals of all time will see Goldman replaced by JPMorgan Chase on Apple credit card

[https://www.wsj.com/finance/banking/apple-goldman-sachs-credit-card-what-happened-0e89749d?st=6tCYKW&amp;reflink=desktopwebshare\_permalink](https://www.wsj.com/finance/banking/apple-goldman-sachs-credit-card-what-happened-0e89749d?st=6tCYKW&amp;reflink=desktopwebshare_permalink)


topic_name: Will bankruptcy affect my inheritance?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2cwcv/will_bankruptcy_affect_my_inheritance/
collected_at: 2026-02-12T00:06:18.920901+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2cwcv", "score": 1, "num_comments": 1, "created_utc": 1770851525.0, "selftext": "Location: Washington state. \n\nI've been considering filing for bankruptcy, but I have a $30,000 check coming from an inheritance. If I file for bankruptcy before or after cashing the check, would that be considered fraud? I'm unsure about the process and haven't consulted a lawyer yet.", "sort": "hot", "upvote_ratio": 1.0, "author": "Evidence-Icy"}

selftext:
Location: Washington state. 

I've been considering filing for bankruptcy, but I have a $30,000 check coming from an inheritance. If I file for bankruptcy before or after cashing the check, would that be considered fraud? I'm unsure about the process and haven't consulted a lawyer yet.


topic_name: Bus driver dropped kid off to wrong house.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qk10iu/bus_driver_dropped_kid_off_to_wrong_house/
collected_at: 2026-02-12T00:06:22.356565+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qk10iu", "score": 975, "num_comments": 87, "created_utc": 1769103381.0, "selftext": "Location: Utah\n\nMy son (4 years old with possible autism, on an IEP) gets transportation to and from school though our local school district. He attends special education classes at our local elementary. Tuesday afternoon the bus driver left without him. So the school put him on the other bus the school has. Important to note we live about 5 minutes from the school. After about an hour I get a call and they say they are running late and will be there in 5 minutes. When they arrive the bus driver", "sort": "top", "upvote_ratio": 0.92, "author": "New_Anxiety_9403"}

selftext:
Location: Utah

My son (4 years old with possible autism, on an IEP) gets transportation to and from school though our local school district. He attends special education classes at our local elementary. Tuesday afternoon the bus driver left without him. So the school put him on the other bus the school has. Important to note we live about 5 minutes from the school. After about an hour I get a call and they say they are running late and will be there in 5 minutes. When they arrive the bus driver


topic_name: LPT Request: What are my (remote) work options?
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qx9fd0/lpt_request_what_are_my_remote_work_options/
collected_at: 2026-02-12T00:06:28.286088+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qx9fd0", "score": 0, "num_comments": 5, "created_utc": 1770356881.0, "selftext": "Hey community,\n\nAs many others, I'm looking for some remote work opportunities. I'd appreciate your feedback and personal stories.\n\nI have a varied skillset across 3 domains:\n\n\\- Accounting: UK-qualified accountant with experience mostly in large companies + 1 startup.\n\n\\- IT: been successfully using SQL / VBA / spreadsheet coding for work in financial reconciliations and process streamlining.\n\n\\- Creative energy work: been practicing emotional and belief releases to achieve greater inner freedo", "sort": "hot", "upvote_ratio": 0.32, "author": "vytasx"}

selftext:
Hey community,

As many others, I'm looking for some remote work opportunities. I'd appreciate your feedback and personal stories.

I have a varied skillset across 3 domains:

\- Accounting: UK-qualified accountant with experience mostly in large companies + 1 startup.

\- IT: been successfully using SQL / VBA / spreadsheet coding for work in financial reconciliations and process streamlining.

\- Creative energy work: been practicing emotional and belief releases to achieve greater inner freedo


topic_name: How does Buy it for Life feel about Emeco chairs?
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789708+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r0fm97/how_does_buy_it_for_life_feel_about_emeco_chairs/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0fm97", "score": 140, "num_comments": 205, "created_utc": 1770669069.0, "selftext": "For context, I\u2019m moving into a small rental house, need to furnish it. The Emeco 1006 seems like a buy-once-cry-once purchase, and the prices on the secondhand market don\u2019t seem too disastrous. But, point is, they\u2019re extremely lightweight for chairs and practically indestructible, and when it comes time to up and move, they\u2019ll be easy to carry, or pick up a stackable variant, and if it ever comes time to redecorate, they\u2019ll stand up as sturdy patio chairs.", "sort": "hot", "upvote_ratio": 0.82, "author": "CurlyFride"}

selftext:
For context, I’m moving into a small rental house, need to furnish it. The Emeco 1006 seems like a buy-once-cry-once purchase, and the prices on the secondhand market don’t seem too disastrous. But, point is, they’re extremely lightweight for chairs and practically indestructible, and when it comes time to up and move, they’ll be easy to carry, or pick up a stackable variant, and if it ever comes time to redecorate, they’ll stand up as sturdy patio chairs.


topic_name: Duluth is certainly not BIFL
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1que6qu/duluth_is_certainly_not_bifl/
collected_at: 2026-02-12T00:06:40.492312+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1que6qu", "score": 677, "num_comments": 100, "created_utc": 1770081824.0, "selftext": "My zipper gave out on my jacket exactly 3 years to the day and they won't honor the No Bull guarantee. There was no excessive use either,, it wasn't a work jacket. \n\nJust my two cents. ", "sort": "top", "upvote_ratio": 0.95, "author": "shesahoneybear"}

selftext:
My zipper gave out on my jacket exactly 3 years to the day and they won't honor the No Bull guarantee. There was no excessive use either,, it wasn't a work jacket. 

Just my two cents. 


topic_name: Would you quit in my shoes? Deep Dive - “Stay at home Dad FIRE”
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000069+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qpnugj/would_you_quit_in_my_shoes_deep_dive_stay_at_home/

metadata:
{"subreddit": "financialindependence", "post_id": "1qpnugj", "score": 47, "num_comments": 83, "created_utc": 1769634028.0, "selftext": "I\u2019m looking for some perspective including your opinions and math on my situation. I\u2019ve been all-in on early retirement since 2014. I\u2019m now 37 with the following situation and quitting my job starting to become a real possibility.\n\n**My gross income:** $260k.\u00a0\n\n**Spouse gross income**: $85k. Spouse has no intent or desire to quit. So i\u2019m totally fine calling this plan a \u201cstay at home dad\u201d plan instead of \u201cearly retirement\u201d\n\n**Current balance of retirement savings**: $2million.\n\n**Paid off \u201cforev", "sort": "hot", "upvote_ratio": 0.77, "author": "TechnicalBlueberry32"}

selftext:
I’m looking for some perspective including your opinions and math on my situation. I’ve been all-in on early retirement since 2014. I’m now 37 with the following situation and quitting my job starting to become a real possibility.

**My gross income:** $260k. 

**Spouse gross income**: $85k. Spouse has no intent or desire to quit. So i’m totally fine calling this plan a “stay at home dad” plan instead of “early retirement”

**Current balance of retirement savings**: $2million.

**Paid off “forev


topic_name: about 2.000$ down the drain.. 💸💸 #couple #couplecomedy #couplegoals
source: youtube
region: US
url: https://youtube.com/watch?v=1G6yAbeR2mg
collected_at: 2026-02-12T00:04:30.534763
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "1G6yAbeR2mg", "channel": "hyoga.x", "category": "Entertainment", "category_id": 24, "views": "5661386", "view_count": 5661386, "likes": "154370", "published_at": "2026-02-10T17:21:02Z"}


topic_name: Remember Kids, Say No to Dr*gs🤣 #funny
source: youtube
region: CA
url: https://youtube.com/watch?v=aqiN_ODUuvM
collected_at: 2026-02-12T00:04:31.506224
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "aqiN_ODUuvM", "channel": "Kanel Joseph Shorts", "category": "Entertainment", "category_id": 24, "views": "6524069", "view_count": 6524069, "likes": "313672", "published_at": "2026-02-06T21:00:02Z"}


topic_name: One UI 8.5 charging animation looks a lot better after two major changes - Sammy Fans
source: google_news
region: US
collected_at: 2026-02-12T00:04:33.249186
autocomplete: []
category: Technology
reddit_subreddits: []
signal_type: news_context
metadata:
{"published": "Wed, 11 Feb 2026 05:05:08 GMT", "source_publication": "Sammy Fans", "category": "Technology"}


topic_name: Best and most reliable HYSA?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r1ezz9/best_and_most_reliable_hysa/
collected_at: 2026-02-12T00:04:41.814942+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r1ezz9", "score": 65, "num_comments": 80, "created_utc": 1770761643.0, "selftext": "Basically what the title says, looking to move my savings out of USAA since they offer an insanely low APY. I\u2019ve had my eyes on AMEX since I already have a credit card with them and have had nothing but good experiences, any thoughts?\n\nEdit: I\u2019ll still have my checking with USAA so I\u2019m really looking for something that\u2019ll have seamless transfers to and from the banks with immediate access (or minimal delay) to funds", "sort": "hot", "upvote_ratio": 0.83, "author": "Uganda-Isnt-Real"}

selftext:
Basically what the title says, looking to move my savings out of USAA since they offer an insanely low APY. I’ve had my eyes on AMEX since I already have a credit card with them and have had nothing but good experiences, any thoughts?

Edit: I’ll still have my checking with USAA so I’m really looking for something that’ll have seamless transfers to and from the banks with immediate access (or minimal delay) to funds


topic_name: Pay off Ex-Wife’s Mortgage
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qykfue/pay_off_exwifes_mortgage/
collected_at: 2026-02-12T00:04:45.418233+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qykfue", "score": 318, "num_comments": 248, "created_utc": 1770486813.0, "selftext": "Life (and the stock market) have been very good to me. As a result I am thinking of paying off my ex-wife\u2019s remaining mortgage. My income really took off after we divorced so feeling a bit guilty.\n\nWe share a teen son and when the child support ends in 2030, she simply will not be able to afford the payment.  We built the house and our son has always called it home, hate for her to have to sell it. We get along great and she has been an amazing mother as well.\n\nThe mortgage is still in my name, ", "sort": "top", "upvote_ratio": 0.85, "author": "Neither-Trip-4610"}

selftext:
Life (and the stock market) have been very good to me. As a result I am thinking of paying off my ex-wife’s remaining mortgage. My income really took off after we divorced so feeling a bit guilty.

We share a teen son and when the child support ends in 2030, she simply will not be able to afford the payment.  We built the house and our son has always called it home, hate for her to have to sell it. We get along great and she has been an amazing mother as well.

The mortgage is still in my name, 


topic_name: Warranty markup truth can someone who works in sales be honest about this
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0sgns/warranty_markup_truth_can_someone_who_works_in/
collected_at: 2026-02-12T00:04:50.635762+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0sgns", "score": 3, "num_comments": 36, "created_utc": 1770701891.0, "selftext": "I'm buying a 2017 Honda Accord next week and I've been doing research on extended warranties because I know the finance office is going to push hard, but I want to hear from people who actually work in car sales about what's really going on with the pricing\n\nFrom what I've gathered online, dealers buy warranties from third-party companies and then mark them up significantly before selling them to customers, the markup seems to be anywhere from 50% to over 100% depending on how aggressive they wa", "sort": "hot", "upvote_ratio": 0.56, "author": "sturka_carol"}

selftext:
I'm buying a 2017 Honda Accord next week and I've been doing research on extended warranties because I know the finance office is going to push hard, but I want to hear from people who actually work in car sales about what's really going on with the pricing

From what I've gathered online, dealers buy warranties from third-party companies and then mark them up significantly before selling them to customers, the markup seems to be anywhere from 50% to over 100% depending on how aggressive they wa


topic_name: Lease Residual Value is much higher than market value, but I want to buy the car
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qen74r/lease_residual_value_is_much_higher_than_market/
collected_at: 2026-02-12T00:04:53.860349+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qen74r", "score": 20, "num_comments": 45, "created_utc": 1768586398.0, "selftext": "Need help here.  Obviously it's financially prudent to purchase a car at the end of a lease when the residual is way lower than the market value.  My situation is the reverse, I think the car is selling for about $8k less than the end of lease purchase price.\n\nHowever, I do want to keep my car as I like it (Hyundai Ioniq 5).  It would be better if I can keep my exact car, but not sure how to go about returning and buying it back at a better price?  Is this even possible?  I'd likely buy the same", "sort": "top", "upvote_ratio": 0.88, "author": "Outrageous-King-9484"}

selftext:
Need help here.  Obviously it's financially prudent to purchase a car at the end of a lease when the residual is way lower than the market value.  My situation is the reverse, I think the car is selling for about $8k less than the end of lease purchase price.

However, I do want to keep my car as I like it (Hyundai Ioniq 5).  It would be better if I can keep my exact car, but not sure how to go about returning and buying it back at a better price?  Is this even possible?  I'd likely buy the same


topic_name: Anyone looking for dentists?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1oby2/anyone_looking_for_dentists/
collected_at: 2026-02-12T00:04:59.457527+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1oby2", "score": 2, "num_comments": 0, "created_utc": 1770786268.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.6, "author": "StreetWishbone7715"}


topic_name: I saved my first $10k at 30yo.
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qtnwhs/i_saved_my_first_10k_at_30yo/
collected_at: 2026-02-12T00:05:03.489269+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qtnwhs", "score": 993, "num_comments": 66, "created_utc": 1770015067.0, "selftext": "I (30f) have saved my first $10k!! Growing up poor, this is huge for me. Obviously took me longer than I anticipated, and I\u2019ve achieved it before with a partner, but after leaving a toxic relationship last year and being 100% self-employed, I did it!! Just needed to tell someone because I can\u2019t tell people in my life without coming across boastful. ", "sort": "top", "upvote_ratio": 0.98, "author": "AdWrong2166"}

selftext:
I (30f) have saved my first $10k!! Growing up poor, this is huge for me. Obviously took me longer than I anticipated, and I’ve achieved it before with a partner, but after leaving a toxic relationship last year and being 100% self-employed, I did it!! Just needed to tell someone because I can’t tell people in my life without coming across boastful. 


source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1jdhl/us_my_mother_60f_fell_for_a_fake_remote_job_and_a/
collected_at: 2026-02-12T00:05:08.886736+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
topic_name:
[US] My mother (60f) fell for a fake remote job and a false unemployment claim was filed under her name.

metadata:
{"subreddit": "Scams", "post_id": "1r1jdhl", "score": 3, "num_comments": 13, "created_utc": 1770772430.0, "selftext": "I feel very guilty for not seeing the red flags sooner. I live with her and my father. She has been out of work for over a year and was very vulnerable to this remote work scam, especially because she has done legitimate remote IT work before. The other day I found out that they wanted her to send them Apple gift cards, and managed to convince her it was fraudulent. She did send them one gift card before I learned about it, but I'm just glad this didn't go any further on that front. She has not ", "sort": "hot", "upvote_ratio": 1.0, "author": "erinsredditwhoa"}

selftext:
I feel very guilty for not seeing the red flags sooner. I live with her and my father. She has been out of work for over a year and was very vulnerable to this remote work scam, especially because she has done legitimate remote IT work before. The other day I found out that they wanted her to send them Apple gift cards, and managed to convince her it was fraudulent. She did send them one gift card before I learned about it, but I'm just glad this didn't go any further on that front. She has not 


topic_name: [US] I want to quit an MLM.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qwraka/us_i_want_to_quit_an_mlm/
collected_at: 2026-02-12T00:05:12.358917+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qwraka", "score": 120, "num_comments": 86, "created_utc": 1770311929.0, "selftext": "So. Reddit, I need help. An acquaintance of mine joined Primerica, and showed me a presentation about it. Turns out it was a sales pitch, and I figured for $64, it wasn't a lot to lose by joining and seeing what it's about for myself. However, the more I learn about it, the more I just get uncomfortable with an MLM business model. They work off of solely referrals, so it's friends and family which is just a red line for me. I made a decision I want out, I want to quit, but I don't want to hear f", "sort": "top", "upvote_ratio": 0.86, "author": "Cute-Ingenuity7014"}

selftext:
So. Reddit, I need help. An acquaintance of mine joined Primerica, and showed me a presentation about it. Turns out it was a sales pitch, and I figured for $64, it wasn't a lot to lose by joining and seeing what it's about for myself. However, the more I learn about it, the more I just get uncomfortable with an MLM business model. They work off of solely referrals, so it's friends and family which is just a red line for me. I made a decision I want out, I want to quit, but I don't want to hear f


topic_name: Honor.com makes your review be a 5 star one. You don't even have a choice.
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1ptyj4s/honorcom_makes_your_review_be_a_5_star_one_you/
collected_at: 2026-02-12T00:05:17.889813+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1ptyj4s", "score": 311, "num_comments": 19, "created_utc": 1766508038.0, "selftext": "So when writing this review a while ago, I was mildly confused that there was no way to choose the score/rating on the mobile version.\n\nWhen I checked a few days later, my review has just been published as a 5 star review.\n\nYou can't delete or edit it either as it doesn't show on your profile.\n\nThe almost perfect scores for their products make sense now.", "sort": "hot", "upvote_ratio": 0.93, "author": "AppearanceComplete11"}

selftext:
So when writing this review a while ago, I was mildly confused that there was no way to choose the score/rating on the mobile version.

When I checked a few days later, my review has just been published as a 5 star review.

You can't delete or edit it either as it doesn't show on your profile.

The almost perfect scores for their products make sense now.


topic_name: Why do people people on MLM's call themselves "Business Owners"
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxmivd/why_do_people_people_on_mlms_call_themselves/
collected_at: 2026-02-12T00:05:26.020532+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxmivd", "score": 115, "num_comments": 68, "created_utc": 1770395804.0, "selftext": "when the only thing they own are those cases of protein water stacked ceiling high in their garage. How can you \"own\" a business when you literally have no control over any aspect of the business?", "sort": "hot", "upvote_ratio": 0.98, "author": "Environmental_Fig831"}

selftext:
when the only thing they own are those cases of protein water stacked ceiling high in their garage. How can you "own" a business when you literally have no control over any aspect of the business?


topic_name: Sign me up babe
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qgrz2x/sign_me_up_babe/
collected_at: 2026-02-12T00:05:30.135151+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qgrz2x", "score": 162, "num_comments": 30, "created_utc": 1768790144.0, "selftext": "You too can achieve split ends galore &amp; the widest hair part of your life if you just switch to our \u201cclean, low-tox, European standard compliant products\u201d hun. Just DM \u201cgullible\u201d &amp; I\u2019ll send you some info on how to become a boss babe like me!", "sort": "top", "upvote_ratio": 0.99, "author": "kbin1970"}

selftext:
You too can achieve split ends galore &amp; the widest hair part of your life if you just switch to our “clean, low-tox, European standard compliant products” hun. Just DM “gullible” &amp; I’ll send you some info on how to become a boss babe like me!


topic_name: Help maybe
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1oduf/help_maybe/
collected_at: 2026-02-12T00:05:44.256698+00:00
autocomplete: []
selftext: Where I’m at now is body shop saying it’s totaled, insurance not agreeing, what do I do 🥹
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1oduf", "score": 3, "num_comments": 21, "created_utc": 1770786422.0, "selftext": "Where I\u2019m at now is body shop saying it\u2019s totaled, insurance not agreeing, what do I do \ud83e\udd79 ", "sort": "hot", "upvote_ratio": 0.64, "author": "_ariuulll_"}


topic_name: Subrogation letter fake claim
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qrhapu/subrogation_letter_fake_claim/
collected_at: 2026-02-12T00:05:47.658402+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qrhapu", "score": 14, "num_comments": 18, "created_utc": 1769805525.0, "selftext": "I think I\u2019m being scammed \n\nI was stopped by a couple in a snow storm two months ago in the middle of the road about 10pm. They said I had hit their car, but I didn\u2019t. They started accusing me of hit and run lol. I they were taking pictures of eveything and so I started too. I was taken back and just gave them my information so that I could leave it was super cold out. Didn\u2019t realize that I didn\u2019t have insurance on car until their insurance told me In the letter. \n\nToday I received a letter in t", "sort": "top", "upvote_ratio": 0.83, "author": "Soft-Quarter-9201"}

selftext:
I think I’m being scammed 

I was stopped by a couple in a snow storm two months ago in the middle of the road about 10pm. They said I had hit their car, but I didn’t. They started accusing me of hit and run lol. I they were taking pictures of eveything and so I started too. I was taken back and just gave them my information so that I could leave it was super cold out. Didn’t realize that I didn’t have insurance on car until their insurance told me In the letter. 

Today I received a letter in t


topic_name: Does this count?
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1osa11x/does_this_count/
collected_at: 2026-02-12T00:05:53.366365+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1osa11x", "score": 9, "num_comments": 1, "created_utc": 1762662580.0, "selftext": "https://preview.redd.it/jto35xhss50g1.jpg?width=1912&amp;format=pjpg&amp;auto=webp&amp;s=edb4a6674d31cdeb569dc25e2f1678a8f3f46bee\n\n", "sort": "hot", "upvote_ratio": 1.0, "author": "johnwithoutanh"}

selftext:
https://preview.redd.it/jto35xhss50g1.jpg?width=1912&amp;format=pjpg&amp;auto=webp&amp;s=edb4a6674d31cdeb569dc25e2f1678a8f3f46bee


topic_name: Is making candles worth it as a hobby or small business?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qycfr9/is_making_candles_worth_it_as_a_hobby_or_small/
collected_at: 2026-02-12T00:06:01.656967+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qycfr9", "score": 20, "num_comments": 93, "created_utc": 1770466897.0, "selftext": "This might sound a bit funny, but I\u2019d honestly describe myself as an avid candle burner. In my house, we really love candles and we use them often, not just for special occasions like romantic dinners or birthdays. They\u2019re part of our everyday routine. I usually buy scented candles, and I\u2019ve slowly realized I\u2019m spending quite a lot on them. The good ones smell amazing, but they can get pretty pricey over time.\n\nThat\u2019s what got me thinking about making my own candles. From what I\u2019ve seen, materia", "sort": "hot", "upvote_ratio": 0.6, "author": "ScarDependent8928"}

selftext:
This might sound a bit funny, but I’d honestly describe myself as an avid candle burner. In my house, we really love candles and we use them often, not just for special occasions like romantic dinners or birthdays. They’re part of our everyday routine. I usually buy scented candles, and I’ve slowly realized I’m spending quite a lot on them. The good ones smell amazing, but they can get pretty pricey over time.

That’s what got me thinking about making my own candles. From what I’ve seen, materia


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qbomu7/i_fixed_my_old_couch_thats_falling_apart_the/
collected_at: 2026-02-12T00:06:05.044551+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
I fixed my old couch thats falling apart. The threads were fraying and all but coming off in places. So I took old fabric peices and sewed it on in patches. I think it looks kinda cute &lt;3

metadata:
{"subreddit": "Frugal", "post_id": "1qbomu7", "score": 340, "num_comments": 70, "created_utc": 1768302672.0, "selftext": "", "sort": "top", "upvote_ratio": 0.89, "author": "BooksandStarsNerd"}


topic_name: Do I downgrade the CSP or AMEX Gold after year 1?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r268o5/do_i_downgrade_the_csp_or_amex_gold_after_year_1/
collected_at: 2026-02-12T00:06:10.587927+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r268o5", "score": 1, "num_comments": 9, "created_utc": 1770836447.0, "selftext": "Hi all, I\u2019m coming up on year 2 for both my Gold and CSP. I got the SUBs, and I see no purpose in keeping both as they kinda do the same thing. I have no problem using the Amex credits so the higher AF is no issue. I know Amex doesn\u2019t really have a reliable $0 AF fee card to downgrade to, but Chase does (flex/CFU) so I need to downgrade to something and sock drawer so I can keep the points alive. \n\nI don\u2019t travel much, nor have I really much before, but I plan to soon in the coming years as I en", "sort": "hot", "upvote_ratio": 0.67, "author": "dimesniffer"}

selftext:
Hi all, I’m coming up on year 2 for both my Gold and CSP. I got the SUBs, and I see no purpose in keeping both as they kinda do the same thing. I have no problem using the Amex credits so the higher AF is no issue. I know Amex doesn’t really have a reliable $0 AF fee card to downgrade to, but Chase does (flex/CFU) so I need to downgrade to something and sock drawer so I can keep the points alive. 

I don’t travel much, nor have I really much before, but I plan to soon in the coming years as I en


topic_name: Data point, Ebay purchases not eligible for Robinhood Gold card points now
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qpm5e7/data_point_ebay_purchases_not_eligible_for/
collected_at: 2026-02-12T00:06:13.782127+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qpm5e7", "score": 102, "num_comments": 41, "created_utc": 1769630281.0, "selftext": "Think this is related to the change most recently about the Gold Card not being eligible for certain transactions that was sent out about week and a half ago.\n\nI may a small Ebay purchase for $14 (pair of sunglasses) and says 0 points and not eligible.\n\nAttached is image\n\nhttps://ibb.co/7NZDRj6m", "sort": "top", "upvote_ratio": 0.94, "author": "Ultimus_Omegus"}

selftext:
Think this is related to the change most recently about the Gold Card not being eligible for certain transactions that was sent out about week and a half ago.

I may a small Ebay purchase for $14 (pair of sunglasses) and says 0 points and not eligible.

Attached is image

https://ibb.co/7NZDRj6m


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2cvso/would_this_noncompete_be_enforceable_if_i_was/
collected_at: 2026-02-12T00:06:18.920905+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Would this non-compete be enforceable if I was laid off, and how strict is it to prevent my employment at other local firms in my industry?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2cvso", "score": 1, "num_comments": 0, "created_utc": 1770851487.0, "selftext": "Location: New Jersey / Pennsylvania \n\nI was let go from my previous employer a little over a month ago. I have been interviewing with other firms in the industry, and have two offers pending, however a non-compete question has come up. The two organizations I am waiting on offers for are approximately 24 miles from my previous company's office, however I was a remote employee. A link to the non-compete is below.\n\nsome background: i was employed there for about 18 months. In those 18 months, my p", "sort": "hot", "upvote_ratio": 1.0, "author": "g1antleprechaun"}

selftext:
Location: New Jersey / Pennsylvania 

I was let go from my previous employer a little over a month ago. I have been interviewing with other firms in the industry, and have two offers pending, however a non-compete question has come up. The two organizations I am waiting on offers for are approximately 24 miles from my previous company's office, however I was a remote employee. A link to the non-compete is below.

some background: i was employed there for about 18 months. In those 18 months, my p


topic_name: Company made my sister buy a car — now wants full payment when she resigns. What should she do?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qq39j6/company_made_my_sister_buy_a_car_now_wants_full/
collected_at: 2026-02-12T00:06:22.356569+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qq39j6", "score": 968, "num_comments": 167, "created_utc": 1769676042.0, "selftext": "Location: Oregon, Hillsboro\n\nHi everyone, we need some advice.\n\nMy sister has been working at a company for about 5 years. During her employment, the company told her to buy a car for work purposes. They said the company would pay for it in full, but my sister would repay the company monthly through salary deductions.\n\nShe agreed. So far, she has already paid about half of the car\u2019s price back to the company. The car is registered under her name, not the company\u2019s.\n\nNow she decided to leave the ", "sort": "top", "upvote_ratio": 0.93, "author": "its_not_soheila"}

selftext:
Location: Oregon, Hillsboro

Hi everyone, we need some advice.

My sister has been working at a company for about 5 years. During her employment, the company told her to buy a car for work purposes. They said the company would pay for it in full, but my sister would repay the company monthly through salary deductions.

She agreed. So far, she has already paid about half of the car’s price back to the company. The car is registered under her name, not the company’s.

Now she decided to leave the 


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1quwmjc/lpt_when_you_start_a_new_job_ask_for_one/
collected_at: 2026-02-12T00:06:28.286091+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: When you start a new job, ask for one excellent example and one acceptable example of the exact work you will deliver, then copy the format before you start.

metadata:
{"subreddit": "LifeProTips", "post_id": "1quwmjc", "score": 7131, "num_comments": 115, "created_utc": 1770136254.0, "selftext": "In a new company, most confusion comes from not knowing what good looks like. Ask your manager or a high performing teammate for two real examples of the same deliverable you will own.  \n  \nOne that was considered excellent and one that was considered acceptable.   \n  \nUse them to match the structure, level of detail, tone, and where it gets shared. If the work is sensitive, ask for a redacted version or a simple outline screenshot. This helps you align fast without guessing what good looks like", "sort": "hot", "upvote_ratio": 0.95, "author": "gamersecret2"}

selftext:
In a new company, most confusion comes from not knowing what good looks like. Ask your manager or a high performing teammate for two real examples of the same deliverable you will own.  
  
One that was considered excellent and one that was considered acceptable.   
  
Use them to match the structure, level of detail, tone, and where it gets shared. If the work is sensitive, ask for a redacted version or a simple outline screenshot. This helps you align fast without guessing what good looks like


topic_name: LPT: Learn how to properly lace your shoes
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qj32ce/lpt_learn_how_to_properly_lace_your_shoes/
collected_at: 2026-02-12T00:06:31.302133+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qj32ce", "score": 2344, "num_comments": 69, "created_utc": 1769014014.0, "selftext": "I recent found this page from Asics explaining how to lace your shoes for different issues / foot types: \n\nhttps://www.asics.com/nz/en-nz/mk/choosing-the-right-running-shoe/lacing\n\nI have relaced almost every pair of shoes I own now and they all fit much better. Shocking that more people don't talk about this when fitting shoes.", "sort": "top", "upvote_ratio": 0.97, "author": "CurlTheSquirrel"}

selftext:
I recent found this page from Asics explaining how to lace your shoes for different issues / foot types: 

https://www.asics.com/nz/en-nz/mk/choosing-the-right-running-shoe/lacing

I have relaced almost every pair of shoes I own now and they all fit much better. Shocking that more people don't talk about this when fitting shoes.


topic_name: What your best lightweight garden hose brand that doesnt tangle?
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789712+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r0zdpq/what_your_best_lightweight_garden_hose_brand_that/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0zdpq", "score": 8, "num_comments": 7, "created_utc": 1770726426.0, "selftext": "My old hose is getting too heavy for me to drag around and it always gets knotted up. Does anyone use thats easier to manage and makes watering the garden less of a hassle?", "sort": "hot", "upvote_ratio": 0.9, "author": "HeyHey197888"}

selftext:
My old hose is getting too heavy for me to drag around and it always gets knotted up. Does anyone use thats easier to manage and makes watering the garden less of a hassle?


topic_name: My daily wallet since 1986...
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qmn9h9/my_daily_wallet_since_1986/
collected_at: 2026-02-12T00:06:40.492316+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qmn9h9", "score": 668, "num_comments": 67, "created_utc": 1769357549.0, "selftext": "I joined the US Army in 1986. My family bought me this wallet at the Ft Benning PX as a graduation gift. I've carried it daily since then. Many miles, many countries, many pockets....\n\nThe plastic things have long since worn out, but the wallet is still doing what a wallet is supposed to do.\n\nTwo years ago, I added my name tape and a patch. No, I'm not very good at sewing.\n\nI looked up the company (Rainbow of California), and they still sell this same wallet. I thought about getting a new one, b", "sort": "top", "upvote_ratio": 0.93, "author": "TomStedham22"}

selftext:
I joined the US Army in 1986. My family bought me this wallet at the Ft Benning PX as a graduation gift. I've carried it daily since then. Many miles, many countries, many pockets....

The plastic things have long since worn out, but the wallet is still doing what a wallet is supposed to do.

Two years ago, I added my name tape and a patch. No, I'm not very good at sewing.

I looked up the company (Rainbow of California), and they still sell this same wallet. I thought about getting a new one, b


topic_name: What mini milestones have you celebrated during your FIRE journey?
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000073+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qpceem/what_mini_milestones_have_you_celebrated_during/

metadata:
{"subreddit": "financialindependence", "post_id": "1qpceem", "score": 133, "num_comments": 90, "created_utc": 1769609500.0, "selftext": "Since the boring middle can sometimes be boring, do you have any mini milestones that you achieved that have made the journey more fun? \n\nInspiration for this post: A few days ago I realized based on my current net worth and a standard 4% withdrawal rate, my annual income would exceed my first \"big boy\" salary out of college of $47,500. Don't plan on pulling the trigger anytime soon, but it was a cool moment to pause and reflect on how far I've come since then (especially since I ended up gettin", "sort": "hot", "upvote_ratio": 0.93, "author": "dreamingoutloud92"}

selftext:
Since the boring middle can sometimes be boring, do you have any mini milestones that you achieved that have made the journey more fun? 

Inspiration for this post: A few days ago I realized based on my current net worth and a standard 4% withdrawal rate, my annual income would exceed my first "big boy" salary out of college of $47,500. Don't plan on pulling the trigger anytime soon, but it was a cool moment to pause and reflect on how far I've come since then (especially since I ended up gettin


topic_name: The amount of intelligence of this scene 🎬 // @OllysTV
source: youtube
region: US
url: https://youtube.com/watch?v=0AmX_BWm6YU
collected_at: 2026-02-12T00:04:30.534759
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "0AmX_BWm6YU", "channel": "Ollys TV", "category": "Entertainment", "category_id": 24, "views": "5581509", "view_count": 5581509, "likes": "317346", "published_at": "2026-02-07T18:21:20Z"}


topic_name: Maxing out 2025 IRA contributions but phased out of traditional - Any reason to not just go Roth?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814947+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r29b9w/maxing_out_2025_ira_contributions_but_phased_out/

metadata:
{"subreddit": "personalfinance", "post_id": "1r29b9w", "score": 0, "num_comments": 4, "created_utc": 1770843274.0, "selftext": "My wife transitioned to a new career in 2025 that doesn't offer a retirement plan. We were planning to max out a traditional IRA with some inheritance money but found that we are nearly phased out of the tax deductions because she was covered by her old employer's retirement plan for the first couple months of the year. Our MAGI is $144k and the full phase out is $146k. In the end, we can deduct about $700 (35% of $2k) of the full $7k contribution.\n\nIf we aren't getting the tax advantage on the ", "sort": "hot", "upvote_ratio": 0.5, "author": "dingdong_doodlydoo"}

selftext:
My wife transitioned to a new career in 2025 that doesn't offer a retirement plan. We were planning to max out a traditional IRA with some inheritance money but found that we are nearly phased out of the tax deductions because she was covered by her old employer's retirement plan for the first couple months of the year. Our MAGI is $144k and the full phase out is $146k. In the end, we can deduct about $700 (35% of $2k) of the full $7k contribution.

If we aren't getting the tax advantage on the 


topic_name: Did I make a mistake renting out house instead of selling?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418237+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qvsvrq/did_i_make_a_mistake_renting_out_house_instead_of/

metadata:
{"subreddit": "personalfinance", "post_id": "1qvsvrq", "score": 323, "num_comments": 197, "created_utc": 1770221870.0, "selftext": "I converted my primary house into a rental last year since I had a 3% mortgage. I cash flow about $700/month after property management fees, and have about $150k in equity. All the advice at the time told me to keep the property because of low interest rate, asset appreciation, buildiny equity, depreciation, etc.\n\nI am doing my taxes and realizing what a headache depreciation recapture is, and make over $150k so can't deduct rental income. Don't want to deal with a 1031 in the future. Is the sim", "sort": "top", "upvote_ratio": 0.84, "author": "New_Contribution_226"}

selftext:
I converted my primary house into a rental last year since I had a 3% mortgage. I cash flow about $700/month after property management fees, and have about $150k in equity. All the advice at the time told me to keep the property because of low interest rate, asset appreciation, buildiny equity, depreciation, etc.

I am doing my taxes and realizing what a headache depreciation recapture is, and make over $150k so can't deduct rental income. Don't want to deal with a 1031 in the future. Is the sim


topic_name: Is License Fee legit buying out of state?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0ujjv/is_license_fee_legit_buying_out_of_state/
collected_at: 2026-02-12T00:04:50.635766+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0ujjv", "score": 2, "num_comments": 9, "created_utc": 1770709080.0, "selftext": "I live in New Jersey. I\u2019m buying a Lincoln from Washington state to be registered in New Jersey. I have to register it myself, they will just put a transit tag on it. To register once I get it will be around $400 registration and title fee. \n\nThey are charging me doc fee of $200, but also a \u201cLicense fee\u201d of $1000. What is this? Manager said it\u2019s for the transit tag etc. that costs like $5. Should I have them remove this charge? Thanks \n\nFinancing ", "sort": "hot", "upvote_ratio": 0.67, "author": "Low_Profession_1475"}

selftext:
I live in New Jersey. I’m buying a Lincoln from Washington state to be registered in New Jersey. I have to register it myself, they will just put a transit tag on it. To register once I get it will be around $400 registration and title fee. 

They are charging me doc fee of $200, but also a “License fee” of $1000. What is this? Manager said it’s for the transit tag etc. that costs like $5. Should I have them remove this charge? Thanks 

Financing 


topic_name: Phone App Required for Purchase?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qdwzbp/phone_app_required_for_purchase/
collected_at: 2026-02-12T00:04:53.860355+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qdwzbp", "score": 21, "num_comments": 21, "created_utc": 1768513791.0, "selftext": "Hello!  I'm intending to replace a vehicle in the near future but am unwilling to install a phone app for telemetry on the car.  I also understand that salespeople and dealerships have incentives for getting customers to install the apps.  I don't want to be a jerk about it and cost a salesperson money.\n\nIs it possible to buy a new car (probably a Toyota) without installing the manufacturer's app?  Is paying extra to offset whatever bonus would come from an app install a possibility?\n\nDoes the r", "sort": "top", "upvote_ratio": 0.84, "author": "Chainsaw42"}

selftext:
Hello!  I'm intending to replace a vehicle in the near future but am unwilling to install a phone app for telemetry on the car.  I also understand that salespeople and dealerships have incentives for getting customers to install the apps.  I don't want to be a jerk about it and cost a salesperson money.

Is it possible to buy a new car (probably a Toyota) without installing the manufacturer's app?  Is paying extra to offset whatever bonus would come from an app install a possibility?

Does the r


topic_name: Donated so much plasma I made a gauze ball
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0fk6g/donated_so_much_plasma_i_made_a_gauze_ball/
collected_at: 2026-02-12T00:04:59.457531+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r0fk6g", "score": 731, "num_comments": 44, "created_utc": 1770668950.0, "selftext": "Gonna keep this up.\n\nWonder how big it'll get.\n\nAlso found a way to get free gauze lol this is so gonna come in handy one day", "sort": "hot", "upvote_ratio": 0.97, "author": "Embarrassed-Beach161"}

selftext:
Gonna keep this up.

Wonder how big it'll get.

Also found a way to get free gauze lol this is so gonna come in handy one day


topic_name: Finally hit my first $1000 emergency fund
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qwo34n/finally_hit_my_first_1000_emergency_fund/
collected_at: 2026-02-12T00:05:03.489273+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qwo34n", "score": 987, "num_comments": 63, "created_utc": 1770304906.0, "selftext": "Long time lurker here but had to share this win with yall. Been following this sub for like 2 years watching everyone's success stories and finally have my own. \n\n\n\n  \nStarted with literally $12 in my checking account last January after getting evicted from my apartment. Been working two part time jobs and living in my car for months but slowly chipping away at it. \n\n\n\n  \nThe game changer was meal prepping rice and beans every week instead of buying fast food which was eating up like $200 a mont", "sort": "top", "upvote_ratio": 0.99, "author": "Old-Ad258"}

selftext:
Long time lurker here but had to share this win with yall. Been following this sub for like 2 years watching everyone's success stories and finally have my own. 



  
Started with literally $12 in my checking account last January after getting evicted from my apartment. Been working two part time jobs and living in my car for months but slowly chipping away at it. 



  
The game changer was meal prepping rice and beans every week instead of buying fast food which was eating up like $200 a mont


topic_name: [US] fell for punchbowl email scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1gdl2/us_fell_for_punchbowl_email_scam/
collected_at: 2026-02-12T00:05:08.886739+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1gdl2", "score": 2, "num_comments": 9, "created_utc": 1770764861.0, "selftext": "smh my dumbass fell for an obvious phishing.\n\ngot an email from a friend that was supposedly an invite to an event; clinked on the link that even had captcha verification. upon successful verification, it brought me to what appeared to be the google login page. only after logging in and seeing an error message pop up, i realized the link had a \".ru\" on the domain.\n\nhow screwed am i? im checking on my google activity rn, and I dont see anything suspicious i changed the password and enabled 2 step", "sort": "hot", "upvote_ratio": 0.6, "author": "PizzaPOGGERS0401"}

selftext:
smh my dumbass fell for an obvious phishing.

got an email from a friend that was supposedly an invite to an event; clinked on the link that even had captcha verification. upon successful verification, it brought me to what appeared to be the google login page. only after logging in and seeing an error message pop up, i realized the link had a ".ru" on the domain.

how screwed am i? im checking on my google activity rn, and I dont see anything suspicious i changed the password and enabled 2 step


topic_name: My sister got scammed $10k
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qo4w48/my_sister_got_scammed_10k/
collected_at: 2026-02-12T00:05:12.358920+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qo4w48", "score": 116, "num_comments": 34, "created_utc": 1769491232.0, "selftext": "I need advice on how to help her. Her logic has completely gone out the window and she is thinking she can still get the money back. She is vulnerable because of mental illness. \n\nShe was scammed $5k from a job online promising her $15k is she puts in another 2k. The job was to push a button and complete \"bundles\". It was advertising so her pushing the button would create advertising or something. She had to put in her own money upfront to do these bundles and the last bundle locked her money in", "sort": "top", "upvote_ratio": 0.92, "author": "CollectionSuch5581"}

selftext:
I need advice on how to help her. Her logic has completely gone out the window and she is thinking she can still get the money back. She is vulnerable because of mental illness. 

She was scammed $5k from a job online promising her $15k is she puts in another 2k. The job was to push a button and complete "bundles". It was advertising so her pushing the button would create advertising or something. She had to put in her own money upfront to do these bundles and the last bundle locked her money in


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pss5i7/bmw_new_patented_screwhead_designed_to_limit/
collected_at: 2026-02-12T00:05:17.889816+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
BMW new patented screw-head designed to limit repairs to authorized dealers and prevent independent servicing

metadata:
{"subreddit": "assholedesign", "post_id": "1pss5i7", "score": 47455, "num_comments": 2753, "created_utc": 1766383402.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.95, "author": "jaapgrolleman"}


topic_name: Travel hun still posting the same things
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxthkc/travel_hun_still_posting_the_same_things/
collected_at: 2026-02-12T00:05:26.020536+00:00
autocomplete: []
selftext: She posts the same things and hardly gets any interaction. Tale as old as time
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxthkc", "score": 36, "num_comments": 6, "created_utc": 1770410978.0, "selftext": "She posts the same things and hardly gets any interaction. Tale as old as time", "sort": "hot", "upvote_ratio": 0.95, "author": "Alarming-Employee702"}


topic_name: Raising Premiums
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r28ymo/raising_premiums/
collected_at: 2026-02-12T00:05:44.256701+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r28ymo", "score": 0, "num_comments": 7, "created_utc": 1770842477.0, "selftext": "Hi,\n\nI\u2019m definitely not a lawyer, but I was hoping someone could answer this. Is it illegal for an insurance company to raise their premiums? I bought a secondary insurance plan when I financed my car that I haven\u2019t missed a single payment on, nor have I even used it and today I get a letter in the mail telling me they \u201c\u2026won\u2019t be able to honor the service contract pricing designed specifically for your vehicle.\u201d Is this a breach of contract? What are my legal options to fight this? \n\n  \nThanks", "sort": "hot", "upvote_ratio": 0.13, "author": "No-Presentation-192"}

selftext:
Hi,

I’m definitely not a lawyer, but I was hoping someone could answer this. Is it illegal for an insurance company to raise their premiums? I bought a secondary insurance plan when I financed my car that I haven’t missed a single payment on, nor have I even used it and today I get a letter in the mail telling me they “…won’t be able to honor the service contract pricing designed specifically for your vehicle.” Is this a breach of contract? What are my legal options to fight this? 

  
Thanks


topic_name: Help with home insurance claim . faucet left on, house flooded while vacant , covered or denied?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qrrl6d/help_with_home_insurance_claim_faucet_left_on/
collected_at: 2026-02-12T00:05:47.658406+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qrrl6d", "score": 13, "num_comments": 74, "created_utc": 1769831055.0, "selftext": "Looking for opinions/experience with homeowners insurance .\n\nMy house was temporarily empty for 3days and being prepared for listing. A cleaning company cleaned the home during very cold weather (around 8\u00b0F).\n\nThe water downstairs was not running at the time due to freezing temperatures. At some point, a pot filler ( above the stove )  appears to have been left in the on position. When temperatures rose and water service resumed, the faucet ran and caused flooding.\n\nThe flooding was discovered t", "sort": "top", "upvote_ratio": 0.77, "author": "Pinkpeachlovesfatcat"}

selftext:
Looking for opinions/experience with homeowners insurance .

My house was temporarily empty for 3days and being prepared for listing. A cleaning company cleaned the home during very cold weather (around 8°F).

The water downstairs was not running at the time due to freezing temperatures. At some point, a pot filler ( above the stove )  appears to have been left in the on position. When temperatures rose and water service resumed, the faucet ran and caused flooding.

The flooding was discovered t


topic_name: Panera Communication Preferences
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1orreb3/panera_communication_preferences/
collected_at: 2026-02-12T00:05:53.366368+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1orreb3", "score": 4, "num_comments": 0, "created_utc": 1762613731.0, "selftext": "The wording of these two options combined with the on/off style toggles is confusing at best at worst, it's a way to accidentally opt into SMS messaging when you're actually trying to reduce the volume of stuff they send you! \n\n[panerabread.com communication preferences screenshot](https://preview.redd.it/qjhd24ebr10g1.png?width=1750&amp;format=png&amp;auto=webp&amp;s=de19064b658c972a753ed7bfd6e52a18d75b291f)\n\n", "sort": "hot", "upvote_ratio": 1.0, "author": "giberti"}

selftext:
The wording of these two options combined with the on/off style toggles is confusing at best at worst, it's a way to accidentally opt into SMS messaging when you're actually trying to reduce the volume of stuff they send you! 

[panerabread.com communication preferences screenshot](https://preview.redd.it/qjhd24ebr10g1.png?width=1750&amp;format=png&amp;auto=webp&amp;s=de19064b658c972a753ed7bfd6e52a18d75b291f)


topic_name: Replacing car trips with bus trips - budgeting
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qylts6/replacing_car_trips_with_bus_trips_budgeting/
collected_at: 2026-02-12T00:06:01.656971+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qylts6", "score": 4, "num_comments": 13, "created_utc": 1770489933.0, "selftext": "I am sure many other people have thought about ditching their car in favor of transit friendly ways of getting around and also care about budgeting/tracking this effort.  For those who have also done this: Do you setup a separate budget category for 'bus fare' when attempting this or do you just take it out of your 'gas' category?  \n\nFor more background information:\n\n I live in a cold/snowy climate and am considering bussing to reduce my monthly expenses (biking feasible some days but very bruta", "sort": "hot", "upvote_ratio": 0.64, "author": "flipflopshock"}

selftext:
I am sure many other people have thought about ditching their car in favor of transit friendly ways of getting around and also care about budgeting/tracking this effort.  For those who have also done this: Do you setup a separate budget category for 'bus fare' when attempting this or do you just take it out of your 'gas' category?  

For more background information:

 I live in a cold/snowy climate and am considering bussing to reduce my monthly expenses (biking feasible some days but very bruta


topic_name: Don't just let all that water (and money) go down the drain.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qnhg3f/dont_just_let_all_that_water_and_money_go_down/
collected_at: 2026-02-12T00:06:05.044554+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qnhg3f", "score": 323, "num_comments": 70, "created_utc": 1769437592.0, "selftext": "Water isn't that expensive, but if you're dripping your faucets at night to prevent pipes from freezing, limit how much of that is wasted. I always put a large water cooler in the sink and/or bathtub to collect as much of that water as possible, and then use it for pets, birds, plants, or washing dishes. I still have the old-school ice trays, so I've put water in those, leave them outside at night, and then use the ice for coolers (in the event of a power outage.). You can also place a pan or bu", "sort": "top", "upvote_ratio": 0.9, "author": "LeeAnnLongsocks"}

selftext:
Water isn't that expensive, but if you're dripping your faucets at night to prevent pipes from freezing, limit how much of that is wasted. I always put a large water cooler in the sink and/or bathtub to collect as much of that water as possible, and then use it for pets, birds, plants, or washing dishes. I still have the old-school ice trays, so I've put water in those, leave them outside at night, and then use the ice for coolers (in the event of a power outage.). You can also place a pan or bu


topic_name: The Navy Fed/Amazon set-up is a pretty powerful cash-back set-up.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r18jkz/the_navy_fedamazon_setup_is_a_pretty_powerful/
collected_at: 2026-02-12T00:06:10.587930+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r18jkz", "score": 91, "num_comments": 62, "created_utc": 1770747591.0, "selftext": "Navy Fed has some interesting cards that can create a pretty powerful set-up.\n\n1. Flagship - $49AF\n\n* 3x Travel (Very wide category)\n* 2x Everything else\n* Yearly Amazon Prime credit\n* TSA pre-check, No FTF\n* Nothing amazing with travel protections but does have secondary CDW.\n\n2. More Rewards - $0AF\n\n* 3x Dining\n* 3x Grocery\n* 3x Gas and Transit\n\n3. Amazon Prime Visa - $0 AF (True zero-dollar fee with the credit from the Flagship.)\n\n* 5x Amazon and Whole Foods\n\nWith this set-up you have a $49 a", "sort": "hot", "upvote_ratio": 0.95, "author": "ChampionshipFresh568"}

selftext:
Navy Fed has some interesting cards that can create a pretty powerful set-up.

1. Flagship - $49AF

* 3x Travel (Very wide category)
* 2x Everything else
* Yearly Amazon Prime credit
* TSA pre-check, No FTF
* Nothing amazing with travel protections but does have secondary CDW.

2. More Rewards - $0AF

* 3x Dining
* 3x Grocery
* 3x Gas and Transit

3. Amazon Prime Visa - $0 AF (True zero-dollar fee with the credit from the Flagship.)

* 5x Amazon and Whole Foods

With this set-up you have a $49 a


topic_name: It's February 2026. Still no USBAR transfer partners
source: reddit
region: global
collected_at: 2026-02-12T00:06:13.782130+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1qx71sy/its_february_2026_still_no_usbar_transfer_partners/

metadata:
{"subreddit": "CreditCards", "post_id": "1qx71sy", "score": 96, "num_comments": 53, "created_utc": 1770349664.0, "selftext": "It's February 6, 2026.  Still no USBAR transfer partners.... nuff said\n\nI think they are trying to get people to leave so they can finally shut down the card\n\n\ud83e\udea6", "sort": "top", "upvote_ratio": 0.96, "author": "lauranyc77"}

selftext:
It's February 6, 2026.  Still no USBAR transfer partners.... nuff said

I think they are trying to get people to leave so they can finally shut down the card

🪦


topic_name: Father made inflammatory statements
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r26tss/father_made_inflammatory_statements/
collected_at: 2026-02-12T00:06:18.920909+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r26tss", "score": 2, "num_comments": 1, "created_utc": 1770837727.0, "selftext": "Location: Louisiana\n\nMy niece\u2019s father made some hateful racist statements online. She and her partner are now receiving death threats, despite her father not even being the one who raised her. She\u2019s in her 20\u2019s, and she\u2019s being found through his social media posts of pictures of her. Should she report this to the police? Respond online? Something like \u201cwe don\u2019t share views, he didn\u2019t raise me, etc?\u201d She feels unsafe and isn\u2019t sure what action to take. \n\nThanks. ", "sort": "hot", "upvote_ratio": 0.75, "author": "blahrgledoo"}

selftext:
Location: Louisiana

My niece’s father made some hateful racist statements online. She and her partner are now receiving death threats, despite her father not even being the one who raised her. She’s in her 20’s, and she’s being found through his social media posts of pictures of her. Should she report this to the police? Respond online? Something like “we don’t share views, he didn’t raise me, etc?” She feels unsafe and isn’t sure what action to take. 

Thanks. 


topic_name: My widdowed 82 year old friend is being forced to remove a 20k$+ generator from her HOA
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356572+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qe6ota/my_widdowed_82_year_old_friend_is_being_forced_to/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qe6ota", "score": 955, "num_comments": 133, "created_utc": 1768539055.0, "selftext": "My friend is handicapped and diabetic. She recently had a generator installed on her property in case of any emergency that could mean her insulin goes bad in the fridge. It was installed behind some bushes on the side of the property where it cant be seen from the street, and it couldnt be installed anywhere else along the backside of the house due to local regulations that require a generator is not within however many feet of a crawlspace or window, etc.. The generator company is adament that", "sort": "top", "upvote_ratio": 0.93, "author": "MallEnvironmental473"}

selftext:
My friend is handicapped and diabetic. She recently had a generator installed on her property in case of any emergency that could mean her insulin goes bad in the fridge. It was installed behind some bushes on the side of the property where it cant be seen from the street, and it couldnt be installed anywhere else along the backside of the house due to local regulations that require a generator is not within however many feet of a crawlspace or window, etc.. The generator company is adament that


topic_name: LPT: Working more than 50 hours a week often reduces productivity instead of increasing it
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1quoee2/lpt_working_more_than_50_hours_a_week_often/
collected_at: 2026-02-12T00:06:28.286095+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1quoee2", "score": 2666, "num_comments": 99, "created_utc": 1770114265.0, "selftext": "Studies show that output per hour drops sharply beyond 50 hours and long workweeks increase errors and burnout. Personally my body feels tired and later on I feel like finishing the work just for the sake of doing it but I\u2019m not doing it willingly as there is always a pressure to complete things before time!", "sort": "hot", "upvote_ratio": 0.95, "author": "internalbleedinggg"}

selftext:
Studies show that output per hour drops sharply beyond 50 hours and long workweeks increase errors and burnout. Personally my body feels tired and later on I feel like finishing the work just for the sake of doing it but I’m not doing it willingly as there is always a pressure to complete things before time!


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qkghdk/lpt_keep_a_quick_mistake_log_at_work_with_three/
collected_at: 2026-02-12T00:06:31.302137+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: Keep a quick mistake log at work with three columns, what went wrong, why it happened, what I will change next time.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qkghdk", "score": 2283, "num_comments": 61, "created_utc": 1769140798.0, "selftext": "I fill it out right after the task while it is fresh. \n\nI improve faster because I stop repeating the same mistake and I can spot patterns.\n\n", "sort": "top", "upvote_ratio": 0.94, "author": "gamersecret2"}

selftext:
I fill it out right after the task while it is fresh. 

I improve faster because I stop repeating the same mistake and I can spot patterns.


topic_name: Why does no one on YouTube talking about Miele vacuums?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r08azr/why_does_no_one_on_youtube_talking_about_miele/
collected_at: 2026-02-12T00:06:36.789715+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r08azr", "score": 200, "num_comments": 165, "created_utc": 1770653432.0, "selftext": "This is how I heard about Miele the first time: back in 2017, I came across the [vacuum repair guy AMA](https://www.reddit.com/r/IAmA/comments/7gmsoe/iama_reddits_own_vacuum_repair_tech_with_a_very/) where I learned about how fantastic Miele is and how important it is to buy a bagged corded vacuum. I read OP's comments, explanations, and answers and I believed everything he was saying about vacuums. Keep in mind, this was back in 2017 when astroturfing/guerrilla marketing and bots wasn't a huge ", "sort": "hot", "upvote_ratio": 0.76, "author": "techsavvynerd91"}

selftext:
This is how I heard about Miele the first time: back in 2017, I came across the [vacuum repair guy AMA](https://www.reddit.com/r/IAmA/comments/7gmsoe/iama_reddits_own_vacuum_repair_tech_with_a_very/) where I learned about how fantastic Miele is and how important it is to buy a bagged corded vacuum. I read OP's comments, explanations, and answers and I believed everything he was saying about vacuums. Keep in mind, this was back in 2017 when astroturfing/guerrilla marketing and bots wasn't a huge 


topic_name: Which simple, unexciting purchase ended up having a surprisingly big impact on your daily life?
source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492321+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qckevq/which_simple_unexciting_purchase_ended_up_having/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qckevq", "score": 602, "num_comments": 614, "created_utc": 1768388419.0, "selftext": "", "sort": "top", "upvote_ratio": 0.94, "author": "viscarte10"}


topic_name: What’s the refinance rate you can get now?
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000076+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qpx254/whats_the_refinance_rate_you_can_get_now/

metadata:
{"subreddit": "financialindependence", "post_id": "1qpx254", "score": 2, "num_comments": 0, "created_utc": 1769656512.0, "selftext": " I currently have 4.99% 10 year-fixed. Any shot of a no fee, no cost refinance at 4.5%? Can anyone recently refinanced share your rate?", "sort": "hot", "upvote_ratio": 1.0, "author": "Couponpicked"}

selftext:
 I currently have 4.99% 10 year-fixed. Any shot of a no fee, no cost refinance at 4.5%? Can anyone recently refinanced share your rate?


topic_name: Hello Dodged Death Right Infront Of The GERMANS🥶💀Schindler's List 1993
source: youtube
region: US
url: https://youtube.com/watch?v=yfUtReH-9vo
collected_at: 2026-02-12T00:04:30.534739
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "yfUtReH-9vo", "channel": "CHAPPIE ", "category": "Entertainment", "category_id": 24, "views": "5451028", "view_count": 5451028, "likes": "0", "published_at": "2026-02-08T05:45:06Z"}


topic_name: Trying to Decide Between Refinancing My Mortgage or Waiting for Rates
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814951+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r2977z/trying_to_decide_between_refinancing_my_mortgage/

metadata:
{"subreddit": "personalfinance", "post_id": "1r2977z", "score": 1, "num_comments": 5, "created_utc": 1770843021.0, "selftext": "Hi everyone, I wanted to get some feedback on my mortgage refinance situation.\n\nI bought my home in Dec 2023 for $435k, putting 5% down, and currently have a 7.75% 30-year fixed mortgage. I have no PMI right now, and my monthly payment (including escrow, insurance, principal, interest, etc.) is about $3,515.\n\nI spoke with my lender about refinancing. Here\u2019s what they offered:\n\n30-Year Fixed Refinance:\n\nNew rate: 6.125%\n\nPMI: $125/month (required because my down payment is &lt;20%)\n\nClosing costs", "sort": "hot", "upvote_ratio": 1.0, "author": "Luhunnie"}

selftext:
Hi everyone, I wanted to get some feedback on my mortgage refinance situation.

I bought my home in Dec 2023 for $435k, putting 5% down, and currently have a 7.75% 30-year fixed mortgage. I have no PMI right now, and my monthly payment (including escrow, insurance, principal, interest, etc.) is about $3,515.

I spoke with my lender about refinancing. Here’s what they offered:

30-Year Fixed Refinance:

New rate: 6.125%

PMI: $125/month (required because my down payment is &lt;20%)

Closing costs


topic_name: Too addicted to saving money?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qcq62h/too_addicted_to_saving_money/
collected_at: 2026-02-12T00:04:45.418241+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qcq62h", "score": 310, "num_comments": 129, "created_utc": 1768404445.0, "selftext": "The situation: This sub truly did change my life, and after ten years of following the flow chart I am doing fine. As I pick up extra incomes whether temporary or permanent, I've floated those towards other savings goals as I kept my retirement contributions maxed out. \n\nBut I can't stop myself from chasing the next mundane goal...And it's hurting to spend $20 on myself for a new keychain tool. \n\nFor example: I made the mistake of using index funds as an emergency fund, so I spent the last year ", "sort": "top", "upvote_ratio": 0.86, "author": "Highwayman1717"}

selftext:
The situation: This sub truly did change my life, and after ten years of following the flow chart I am doing fine. As I pick up extra incomes whether temporary or permanent, I've floated those towards other savings goals as I kept my retirement contributions maxed out. 

But I can't stop myself from chasing the next mundane goal...And it's hurting to spend $20 on myself for a new keychain tool. 

For example: I made the mistake of using index funds as an emergency fund, so I spent the last year 


topic_name: Will the dealership surprise me with extra $1000?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r089ug/will_the_dealership_surprise_me_with_extra_1000/
collected_at: 2026-02-12T00:04:50.635769+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r089ug", "score": 18, "num_comments": 6, "created_utc": 1770653360.0, "selftext": "Hi, I basically was in a market for this car for a long time and then the dealership's car had a $1000 incentive discount on if I financed the car through them which I noticed after I got the pre approval from my credit union. I thought if I financed with the credit union i'd lose that $1000 but even though the manager at the dealership knew I was going to the credit union, the purchase agreement he sent me in the mail to show to the credit union did not have the extra $1000 added to it. I have ", "sort": "hot", "upvote_ratio": 0.88, "author": "DiegoYo"}

selftext:
Hi, I basically was in a market for this car for a long time and then the dealership's car had a $1000 incentive discount on if I financed the car through them which I noticed after I got the pre approval from my credit union. I thought if I financed with the credit union i'd lose that $1000 but even though the manager at the dealership knew I was going to the credit union, the purchase agreement he sent me in the mail to show to the credit union did not have the extra $1000 added to it. I have 


topic_name: UPDATE: In-Fighting @ The Dealership
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qsp8dd/update_infighting_the_dealership/
collected_at: 2026-02-12T00:04:53.860360+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qsp8dd", "score": 19, "num_comments": 11, "created_utc": 1769922240.0, "selftext": "TLDR: I just got appointed to be ISM this month, the Internet department just formed this month. SM\u2019s House Mouse who is on my small INET team has been disrupting the workflow amongst INET and retail, with backing from the SM. I feel like my department was doomed and I\u2019ll be painted a martyr.\n\nA lot happened so I\u2019m trying to condense as much as I can.\n\nOne of my INET salespeople came in during his regular shift time, to find all his customers he\u2019s been cooking or massaging have been followed up ", "sort": "top", "upvote_ratio": 0.89, "author": "SaucyJoshii"}

selftext:
TLDR: I just got appointed to be ISM this month, the Internet department just formed this month. SM’s House Mouse who is on my small INET team has been disrupting the workflow amongst INET and retail, with backing from the SM. I feel like my department was doomed and I’ll be painted a martyr.

A lot happened so I’m trying to condense as much as I can.

One of my INET salespeople came in during his regular shift time, to find all his customers he’s been cooking or massaging have been followed up 


topic_name: Does anyone have any tips to make some side cash
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457537+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r1mp61/does_anyone_have_any_tips_to_make_some_side_cash/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1mp61", "score": 1, "num_comments": 9, "created_utc": 1770781420.0, "selftext": "My mother and I recently had to take over the mortgage for our brand new house completely when my father suddenly left. He had cheated on her and I haven\u2019t seen him since. Ever since we\u2019ve been struggling to keep up and come up with the money for everything. Does anyone have any suggestions for making money on the side while working full time and attending college", "sort": "hot", "upvote_ratio": 0.53, "author": "Bitter-Midnight8159"}

selftext:
My mother and I recently had to take over the mortgage for our brand new house completely when my father suddenly left. He had cheated on her and I haven’t seen him since. Ever since we’ve been struggling to keep up and come up with the money for everything. Does anyone have any suggestions for making money on the side while working full time and attending college


topic_name: Why do so many people on reddit think a 6 figure salary is poor?
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489276+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qutumb/why_do_so_many_people_on_reddit_think_a_6_figure/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qutumb", "score": 967, "num_comments": 735, "created_utc": 1770130056.0, "selftext": "Based on the comments in this thread it seems like everyone on this subreddit makes 6 figure incomes.\n\nhttps://reddit.com/r/povertyfinance/comments/1qqxfjx/how_do_you_land_your_6_figure_job\n\nAm i the only one who makes less than 100k a year?\n\nAnd if not, where is the last safe space for people who don't make top 20% percentile salaries?", "sort": "top", "upvote_ratio": 0.85, "author": "SeparateJump1"}

selftext:
Based on the comments in this thread it seems like everyone on this subreddit makes 6 figure incomes.

https://reddit.com/r/povertyfinance/comments/1qqxfjx/how_do_you_land_your_6_figure_job

Am i the only one who makes less than 100k a year?

And if not, where is the last safe space for people who don't make top 20% percentile salaries?


topic_name: (FIN) Picture of ID sent to unlicenced casino
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1dnos/fin_picture_of_id_sent_to_unlicenced_casino/
collected_at: 2026-02-12T00:05:08.886743+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1dnos", "score": 2, "num_comments": 12, "created_utc": 1770758602.0, "selftext": "Hi, I would like to ask about an situation I had few weeks ago. I had an online casino account which I wanted to close, but couldnt access the email so I just sent a picture of my passport (which had my ssn) to the customer support for them to close the account because I didnt have access to the email and I couldnt close it otherwise. \n\nOnly thing is i just realized that they are a unlicenced casino, called sportuna. Is there usually a big chance that they could use the picture and info for iden", "sort": "hot", "upvote_ratio": 0.63, "author": "Novel-Assignment-596"}

selftext:
Hi, I would like to ask about an situation I had few weeks ago. I had an online casino account which I wanted to close, but couldnt access the email so I just sent a picture of my passport (which had my ssn) to the customer support for them to close the account because I didnt have access to the email and I couldnt close it otherwise. 

Only thing is i just realized that they are a unlicenced casino, called sportuna. Is there usually a big chance that they could use the picture and info for iden


topic_name: Resturant requires you to order via QR code and asks for your phone number.
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889820+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1psueyp/resturant_requires_you_to_order_via_qr_code_and/

metadata:
{"subreddit": "assholedesign", "post_id": "1psueyp", "score": 3346, "num_comments": 274, "created_utc": 1766391838.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.97, "author": "dixchocolate"}


topic_name: I, too, haven’t cut my hair since the last time
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qx6sag/i_too_havent_cut_my_hair_since_the_last_time/
collected_at: 2026-02-12T00:05:26.020539+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qx6sag", "score": 405, "num_comments": 57, "created_utc": 1770348893.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "VehicleInevitable833"}


topic_name: Accident
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1q68t/accident/
collected_at: 2026-02-12T00:05:44.256705+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1q68t", "score": 2, "num_comments": 7, "created_utc": 1770792241.0, "selftext": "August 2023 I was in an accident at a stop light. We both blamed each other. The police came and took our statements. No one needed medical treatment and no one used an ambulance. I basically stopped driving in September. I\n\nno longer had a car to drive so I didn\u2019t renew my insurance \n\nIt\u2019s been about 30 months since the accident. Yesterday I was issued a summons because the other driver was suing me for 100,000 dollars due mostly to injuries and lost wages \n\nI called my insurance and they gave ", "sort": "hot", "upvote_ratio": 1.0, "author": "Upstairs-Mixture7622"}

selftext:
August 2023 I was in an accident at a stop light. We both blamed each other. The police came and took our statements. No one needed medical treatment and no one used an ambulance. I basically stopped driving in September. I

no longer had a car to drive so I didn’t renew my insurance 

It’s been about 30 months since the accident. Yesterday I was issued a summons because the other driver was suing me for 100,000 dollars due mostly to injuries and lost wages 

I called my insurance and they gave 


topic_name: Pip settlement/drunk driving case
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qow20y/pip_settlementdrunk_driving_case/
collected_at: 2026-02-12T00:05:47.658410+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qow20y", "score": 14, "num_comments": 43, "created_utc": 1769560542.0, "selftext": "Hi guys! \n\nSo, to make a long story short, I was hit by a drunk driver on the highway early this summer. He blew 3X the legal limit and was going the wrong way down the road. I was immediately transported to the hospital unconscious, diagnosed with a mild traumatic brain injury with loss of consciousness,  cervical spine injury, heavy bruising/soft tissue damage, and most importantly, hearing loss bilaterally and permanently(sensorineural)  (in the mild-moderate range). Now I was out of work for", "sort": "top", "upvote_ratio": 0.86, "author": "Emzyy212"}

selftext:
Hi guys! 

So, to make a long story short, I was hit by a drunk driver on the highway early this summer. He blew 3X the legal limit and was going the wrong way down the road. I was immediately transported to the hospital unconscious, diagnosed with a mild traumatic brain injury with loss of consciousness,  cervical spine injury, heavy bruising/soft tissue damage, and most importantly, hearing loss bilaterally and permanently(sensorineural)  (in the mild-moderate range). Now I was out of work for


topic_name: Ebay deliberately hiding tax both with 'estimated prices' and during actual checkout
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366372+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1ok6w5o/ebay_deliberately_hiding_tax_both_with_estimated/

metadata:
{"subreddit": "darkpatterns", "post_id": "1ok6w5o", "score": 191, "num_comments": 4, "created_utc": 1761847276.0, "selftext": "Ebay adding tax to purchases is not new. Yet lately I've noticed their intentional deceitfulness in hiding / shielding tax amounts both when making purchases and during actual check out. \n\nThe first two pictures show a 'seller offer' for a card. The \"estimated\" total deliberately ignores tax to show a lower price than what you'll actually pay, and to create less friction to advance to the next page. \n\n(And yes, obviously tax will vary per buyer location, but given that ebay knows my address and ", "sort": "hot", "upvote_ratio": 0.94, "author": "blood_pony"}

selftext:
Ebay adding tax to purchases is not new. Yet lately I've noticed their intentional deceitfulness in hiding / shielding tax amounts both when making purchases and during actual check out. 

The first two pictures show a 'seller offer' for a card. The "estimated" total deliberately ignores tax to show a lower price than what you'll actually pay, and to create less friction to advance to the next page. 

(And yes, obviously tax will vary per buyer location, but given that ebay knows my address and 


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxigqp/if_it_costs_on_average_30_less_per_step_to_buy/
collected_at: 2026-02-12T00:06:01.656974+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
If it costs on average 30% less per step to buy the ingredients for a thing and make it yourself than to buy it, how far back in the production line are you willing to go for frugality?

metadata:
{"subreddit": "Frugal", "post_id": "1qxigqp", "score": 433, "num_comments": 643, "created_utc": 1770386613.0, "selftext": "A few examples:\n\nA loaf of bread is five dollars. The cost of making a loaf of bread is three dollars including utilities.\n\nFor the cost of probably half of takeout you could definitely have made at least two meals plus left overs.\n\nA book shelf is $189 at IKEA. You can buy all the supplies to make a bespoke to your space bookshelf for $125. Let's assume if you don't have tools or skills you have friends who can help with that.\n\nAs an aside any time you want to build a planter box I don't think ", "sort": "hot", "upvote_ratio": 0.86, "author": "Anoelnymous"}

selftext:
A few examples:

A loaf of bread is five dollars. The cost of making a loaf of bread is three dollars including utilities.

For the cost of probably half of takeout you could definitely have made at least two meals plus left overs.

A book shelf is $189 at IKEA. You can buy all the supplies to make a bespoke to your space bookshelf for $125. Let's assume if you don't have tools or skills you have friends who can help with that.

As an aside any time you want to build a planter box I don't think 


topic_name: According to local fancy-grocery-store prices, I have about $300 in broth in my cold room.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qcyjqo/according_to_local_fancygrocerystore_prices_i/
collected_at: 2026-02-12T00:06:05.044558+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qcyjqo", "score": 317, "num_comments": 83, "created_utc": 1768422754.0, "selftext": "", "sort": "top", "upvote_ratio": 0.9, "author": "soverylucky"}


topic_name: should I pay my past due collections
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r25a68/should_i_pay_my_past_due_collections/
collected_at: 2026-02-12T00:06:10.587934+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r25a68", "score": 0, "num_comments": 4, "created_utc": 1770834376.0, "selftext": "I had about $500 in debt in my Chase credit card. I\u2019m going through a tough financial situation that I wasn\u2019t able to pay it off. It got sent to collections. I keep getting calls from them everyday, twice a day. I received a letter in the mail about a settlement offer. I think they are called Client Services, Inc. They offered to settle with about $200. My account is charged off. What happens if I pay them? Would my credit score go up a little bit since it\u2019s paid? I\u2019m a bit confused on how this ", "sort": "hot", "upvote_ratio": 0.4, "author": "textilefloorr"}

selftext:
I had about $500 in debt in my Chase credit card. I’m going through a tough financial situation that I wasn’t able to pay it off. It got sent to collections. I keep getting calls from them everyday, twice a day. I received a letter in the mail about a settlement offer. I think they are called Client Services, Inc. They offered to settle with about $200. My account is charged off. What happens if I pay them? Would my credit score go up a little bit since it’s paid? I’m a bit confused on how this 


topic_name: Employment Issue: Possible discrimination?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2coyr/employment_issue_possible_discrimination/
collected_at: 2026-02-12T00:06:18.920913+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2coyr", "score": 0, "num_comments": 2, "created_utc": 1770851040.0, "selftext": "Location: Nevada \n\nI\u2019ve been at xyz company for 4 years. They hired a counterpart for me, and that person and I have been equal in title but not in pay. I make almost double what he makes. \n\nThere has been a restructuring so that the department is now hierarchical. Big boss at the top, followed by counterpart, and I\u2019m being positioned as a third. \n\nI have more education and experience than my counterpart. \n\nDo I have a possible case for sex or race discrimination? Even though I make more money, ", "sort": "hot", "upvote_ratio": 0.5, "author": "Crackischeapxoxo"}

selftext:
Location: Nevada 

I’ve been at xyz company for 4 years. They hired a counterpart for me, and that person and I have been equal in title but not in pay. I make almost double what he makes. 

There has been a restructuring so that the department is now hierarchical. Big boss at the top, followed by counterpart, and I’m being positioned as a third. 

I have more education and experience than my counterpart. 

Do I have a possible case for sex or race discrimination? Even though I make more money, 


topic_name: New ownership at my gym isn’t honoring my membership.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qd2305/new_ownership_at_my_gym_isnt_honoring_my/
collected_at: 2026-02-12T00:06:22.356576+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qd2305", "score": 901, "num_comments": 62, "created_utc": 1768430904.0, "selftext": "Location: Indiana \n\nNothing huge here. As of January 1st, the small gym I go to work out at was bought out by a larger company. They stopped me at the door this morning and basically told me they wouldn\u2019t let me in unless I get one of their memberships. In October 2024, my gym ran a promo and I purchased 2.5 years of membership in advance for an all-in price of $700 . This covers me through April 2027 (or so I thought) \n\nThe new guys at the gym told me that any previous memberships would be refu", "sort": "top", "upvote_ratio": 0.97, "author": "wesskywalker"}

selftext:
Location: Indiana 

Nothing huge here. As of January 1st, the small gym I go to work out at was bought out by a larger company. They stopped me at the door this morning and basically told me they wouldn’t let me in unless I get one of their memberships. In October 2024, my gym ran a promo and I purchased 2.5 years of membership in advance for an all-in price of $700 . This covers me through April 2027 (or so I thought) 

The new guys at the gym told me that any previous memberships would be refu


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qu8hxm/lpt_the_freeze_dried_veggies_found_in_ramens_and/
collected_at: 2026-02-12T00:06:28.286098+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: The freeze dried veggies found in ramens and instant soups can be purchased in bulk for quite cheap. They're a great and easy way to incorporate more veggies into your diet!

metadata:
{"subreddit": "LifeProTips", "post_id": "1qu8hxm", "score": 4266, "num_comments": 219, "created_utc": 1770068145.0, "selftext": "I used to eat a lot of those instant ramen/lo mein meals and always thought the little veggie packets were great. I recently learned that you can purchase those veggies in bulk! They're shelf stable for years, super convenient, and very cheap.\n\nThere are plenty of options on Amazon, just search \"freeze dried veggie medley\". I've been using Augason farms, but they all look more or less the same. Will probably try a different brand next time to test.\n\nThey come in a huge can and are intended for s", "sort": "hot", "upvote_ratio": 0.96, "author": "99OBJ"}

selftext:
I used to eat a lot of those instant ramen/lo mein meals and always thought the little veggie packets were great. I recently learned that you can purchase those veggies in bulk! They're shelf stable for years, super convenient, and very cheap.

There are plenty of options on Amazon, just search "freeze dried veggie medley". I've been using Augason farms, but they all look more or less the same. Will probably try a different brand next time to test.

They come in a huge can and are intended for s


topic_name: LPT: If someone keeps misunderstanding you, stop rephrasing and start shortening.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qdnsnc/lpt_if_someone_keeps_misunderstanding_you_stop/
collected_at: 2026-02-12T00:06:31.302144+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qdnsnc", "score": 2266, "num_comments": 87, "created_utc": 1768493704.0, "selftext": "When people misunderstand us, the instinct is to explain more. Add context. Clarify intentions. Say it again in a different way. Most of the time, that only creates more confusion.\n\nI noticed this at work. The more I explained a decision, the more questions and misinterpretations followed. When I reduced it to one clear sentence, things moved forward.\n\nSame with family conversations. Long explanations turned into arguments. Short, direct statements reduced tension.\n\nMore words often mean more ro", "sort": "top", "upvote_ratio": 0.95, "author": "gamersecret2"}

selftext:
When people misunderstand us, the instinct is to explain more. Add context. Clarify intentions. Say it again in a different way. Most of the time, that only creates more confusion.

I noticed this at work. The more I explained a decision, the more questions and misinterpretations followed. When I reduced it to one clear sentence, things moved forward.

Same with family conversations. Long explanations turned into arguments. Short, direct statements reduced tension.

More words often mean more ro


topic_name: Under Armour shower slides
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0kon5/under_armour_shower_slides/
collected_at: 2026-02-12T00:06:36.789719+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0kon5", "score": 42, "num_comments": 25, "created_utc": 1770680604.0, "selftext": "I got these 20+ years ago, and not only have they served me four- to five-days a week since, they\u2019re in near perfect condition, and haven\u2019t let me down a single time (that is, I\u2019ve never slipped and fallen in them.) They live in my locker at the campus fitness center, and have walked the pool deck and the showers faithfully for two decades. \n\nShout-out to whatever unholy, forever chemical these are made from. May the alien archeologists who find them, know they cursed quality", "sort": "hot", "upvote_ratio": 0.74, "author": "PsychWaveRunner"}

selftext:
I got these 20+ years ago, and not only have they served me four- to five-days a week since, they’re in near perfect condition, and haven’t let me down a single time (that is, I’ve never slipped and fallen in them.) They live in my locker at the campus fitness center, and have walked the pool deck and the showers faithfully for two decades. 

Shout-out to whatever unholy, forever chemical these are made from. May the alien archeologists who find them, know they cursed quality


topic_name: Premium is the new basic
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qk9t1e/premium_is_the_new_basic/
collected_at: 2026-02-12T00:06:40.492326+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qk9t1e", "score": 585, "num_comments": 86, "created_utc": 1769123166.0, "selftext": "Why do people put up with the phenomenon of having to buy premium-level products/services just to get the quality that was once considered basic or standard?\n\nI've got some shoes from 2007 which are still in good shape. Meanwhile the pair I bought just last year has a hole at the size of a golfball in them.\n\nMy grandmother's dining table from 1930 looks fantastic. The once I got 5 years ago is on its last legs.\n\nI have to buy business class plane tickets to get the same level of service/comfort ", "sort": "top", "upvote_ratio": 0.95, "author": "david8840"}

selftext:
Why do people put up with the phenomenon of having to buy premium-level products/services just to get the quality that was once considered basic or standard?

I've got some shoes from 2007 which are still in good shape. Meanwhile the pair I bought just last year has a hole at the size of a golfball in them.

My grandmother's dining table from 1930 looks fantastic. The once I got 5 years ago is on its last legs.

I have to buy business class plane tickets to get the same level of service/comfort 


topic_name: Dad Thinks His Kid Needs Help
source: youtube
region: US
url: https://youtube.com/watch?v=J2iz9MuFlQM
collected_at: 2026-02-12T00:04:30.534625
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "J2iz9MuFlQM", "channel": "Corrupt Minds", "category": "Entertainment", "category_id": 24, "views": "5296234", "view_count": 5296234, "likes": "164338", "published_at": "2026-02-09T18:15:18Z"}


topic_name: Dad newly disabled and will begin receiving SSI. How can I help manage his finances?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814955+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r2968b/dad_newly_disabled_and_will_begin_receiving_ssi/

metadata:
{"subreddit": "personalfinance", "post_id": "1r2968b", "score": 0, "num_comments": 4, "created_utc": 1770842956.0, "selftext": "My dad had an accident a few months ago and is subsequently disabled. He's of reasonably sound mind and still independent with most things, so I'd like for him to have agency over his finances, just with a bit of help from me.\n\nI made a joint account with my bank (cap1) for his employment income, but it's looking like SSI may complicate things a bit. I'd like to keep an account for him with my bank so it's easy for me to check up on it when needed without intermingling our finances too much.\n\nAn", "sort": "hot", "upvote_ratio": 0.33, "author": "userrnam"}

selftext:
My dad had an accident a few months ago and is subsequently disabled. He's of reasonably sound mind and still independent with most things, so I'd like for him to have agency over his finances, just with a bit of help from me.

I made a joint account with my bank (cap1) for his employment income, but it's looking like SSI may complicate things a bit. I'd like to keep an account for him with my bank so it's easy for me to check up on it when needed without intermingling our finances too much.

An


topic_name: Do people come in for a Bronco and end up with a Bronco Sport?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r07z0x/do_people_come_in_for_a_bronco_and_end_up_with_a/
collected_at: 2026-02-12T00:04:50.635779+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r07z0x", "score": 17, "num_comments": 13, "created_utc": 1770652713.0, "selftext": "I was reading one reason Ford used the Bronco sport name was to make sales to people who wanted a Bronco but couldn\u2019t afford it. Does this happen? They seem like totally different vehicles to me.  \n\nAre there other vehicles people come in for and frequently settle for a less expensive model?", "sort": "hot", "upvote_ratio": 0.88, "author": "Anachronism--"}

selftext:
I was reading one reason Ford used the Bronco sport name was to make sales to people who wanted a Bronco but couldn’t afford it. Does this happen? They seem like totally different vehicles to me.  

Are there other vehicles people come in for and frequently settle for a less expensive model?


topic_name: B.Com student in Bangalore + CFA Level 1 prep how to network in finance &amp; get referrals?
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457541+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r218ci/bcom_student_in_bangalore_cfa_level_1_prep_how_to/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r218ci", "score": 0, "num_comments": 1, "created_utc": 1770825658.0, "selftext": "Hi everyone! I\u2019m an 18-year-old B.Com student from Bangalore, currently preparing for CFA Level 1 alongside college.\n\nI\u2019m really interested in building a career in finance (investment, equity research, corporate finance, etc.) and I keep hearing that networking + referrals play a huge role in landing good internships and jobs.\n\nFor those already in finance or who cleared CFA levels:\n\n\u2022 How did you start networking as a student?\n\n\u2022 Where did I meet professionals \n\n\u2022 How do you politely ask for re", "sort": "hot", "upvote_ratio": 0.14, "author": "baddieeeee_"}

selftext:
Hi everyone! I’m an 18-year-old B.Com student from Bangalore, currently preparing for CFA Level 1 alongside college.

I’m really interested in building a career in finance (investment, equity research, corporate finance, etc.) and I keep hearing that networking + referrals play a huge role in landing good internships and jobs.

For those already in finance or who cleared CFA levels:

• How did you start networking as a student?

• Where did I meet professionals 

• How do you politely ask for re


topic_name: [FI] Is this a feet pic scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r217k8/fi_is_this_a_feet_pic_scam/
collected_at: 2026-02-12T00:05:08.886746+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r217k8", "score": 0, "num_comments": 13, "created_utc": 1770825614.0, "selftext": "Okay so I got a dm from someone with no followers or posts and a new account (\ud83d\udea9) asking for 2-3 feet pics a day for $1000 a week, which ofc seems too good to be true, plus this person has a lot of spelling errors and grammatically incorrect sentences.\n\nIn short they asked if paypal or direct bank payment is okay and if I want the money upfront or after I send the pics, and he asked if we can talk on telegram but I said I don\u2019t have it and he didn\u2019t push it any further.\n\nIs there any way I can ge", "sort": "hot", "upvote_ratio": 0.28, "author": "Crazy-Bodybuilder288"}

selftext:
Okay so I got a dm from someone with no followers or posts and a new account (🚩) asking for 2-3 feet pics a day for $1000 a week, which ofc seems too good to be true, plus this person has a lot of spelling errors and grammatically incorrect sentences.

In short they asked if paypal or direct bank payment is okay and if I want the money upfront or after I send the pics, and he asked if we can talk on telegram but I said I don’t have it and he didn’t push it any further.

Is there any way I can ge


topic_name: Oil rig scammers. What’s the outcome if their victim is poor?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qbkrm1/oil_rig_scammers_whats_the_outcome_if_their/
collected_at: 2026-02-12T00:05:12.358925+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qbkrm1", "score": 114, "num_comments": 92, "created_utc": 1768288123.0, "selftext": "I am certain my elderly neighbour is being scammed. But she is a pensioner on a fixed income.\n\nShe met this \u201cman\u201d during online scrabble and chat daily.  They have had video calls and he is from Louisiana and on an oil rig in the Baltic.\n\nThey are \u201cengaged\u201d and he was supposed to come to Australia for 3 months to see her. But suddenly had a bad accident and sent her hospital pictures which she insists is accurate and real compared to her video calls.\n\nApparently this accident he was air lifted b", "sort": "top", "upvote_ratio": 0.93, "author": "gelfbride73"}

selftext:
I am certain my elderly neighbour is being scammed. But she is a pensioner on a fixed income.

She met this “man” during online scrabble and chat daily.  They have had video calls and he is from Louisiana and on an oil rig in the Baltic.

They are “engaged” and he was supposed to come to Australia for 3 months to see her. But suddenly had a bad accident and sent her hospital pictures which she insists is accurate and real compared to her video calls.

Apparently this accident he was air lifted b


topic_name: No “No Tip” option when you want to pay with your phone in a prague restaurant
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889823+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1pr86jk/no_no_tip_option_when_you_want_to_pay_with_your/

metadata:
{"subreddit": "assholedesign", "post_id": "1pr86jk", "score": 1268, "num_comments": 80, "created_utc": 1766214026.0, "selftext": "If you don\u2019t want to tip, then you\u2019ll need to click on others and spin the wheel (second picture) to the end, where a sad smiley will appear.\n\n\nYou can\u2019t click on \u201cpay\u201d without selecting a tip.", "sort": "hot", "upvote_ratio": 0.96, "author": "TheYellowishIntruder"}

selftext:
If you don’t want to tip, then you’ll need to click on others and spin the wheel (second picture) to the end, where a sad smiley will appear.


You can’t click on “pay” without selecting a tip.


topic_name: Boss Suite MLM
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxtt4x/boss_suite_mlm/
collected_at: 2026-02-12T00:05:26.020543+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxtt4x", "score": 8, "num_comments": 2, "created_utc": 1770411702.0, "selftext": "Has anyone heard about this? I\u2019m seeing posts on social media about this. Claims are every 3-4 days they\u2019re making over $1200. I don\u2019t believe it. And does anyone else think it\u2019s tacky to keep bragging about how much you make? Even though it\u2019s probably not true! I can\u2019t even with these people. ", "sort": "hot", "upvote_ratio": 0.84, "author": "No-Problem-6542"}

selftext:
Has anyone heard about this? I’m seeing posts on social media about this. Claims are every 3-4 days they’re making over $1200. I don’t believe it. And does anyone else think it’s tacky to keep bragging about how much you make? Even though it’s probably not true! I can’t even with these people. 


topic_name: Hannah Alonzo's YL video
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qd99rc/hannah_alonzos_yl_video/
collected_at: 2026-02-12T00:05:30.135155+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qd99rc", "score": 155, "num_comments": 16, "created_utc": 1768449684.0, "selftext": "Someone managed to download and reupload Hannah's Young Living video they forced her to take down:\n\nhttps://youtu.be/xCtILam0x8c?si=4kUWxP3Di5eDZcwA\n", "sort": "top", "upvote_ratio": 0.99, "author": "musical_nerd99"}

selftext:
Someone managed to download and reupload Hannah's Young Living video they forced her to take down:

https://youtu.be/xCtILam0x8c?si=4kUWxP3Di5eDZcwA


topic_name: Geico Emergency Roadside Service - Non-existent
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r24d6c/geico_emergency_roadside_service_nonexistent/
collected_at: 2026-02-12T00:05:44.256709+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r24d6c", "score": 0, "num_comments": 18, "created_utc": 1770832456.0, "selftext": "As an FYI, do not rely on Geico Emergency Roadside Service. They advertise 24/7 service, but this is not accurate. I needed a jump at 11 PM in a metropolitan area (population 200k+), and they closed the case after 15 minutes claiming that no one was in the area.\n\nI'm extremely disappointed and feel misled. (They claim in their fine print that they'll reimburse you, but this is not the same as having 24/7 support, as they advertise). I'm considering filing a complaint in NY - any thoughts or expe", "sort": "hot", "upvote_ratio": 0.29, "author": "Greatace1_pro"}

selftext:
As an FYI, do not rely on Geico Emergency Roadside Service. They advertise 24/7 service, but this is not accurate. I needed a jump at 11 PM in a metropolitan area (population 200k+), and they closed the case after 15 minutes claiming that no one was in the area.

I'm extremely disappointed and feel misled. (They claim in their fine print that they'll reimburse you, but this is not the same as having 24/7 support, as they advertise). I'm considering filing a complaint in NY - any thoughts or expe


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qxhp58/my_bmw_4_series_was_backed_into_while_parked_by_a/
collected_at: 2026-02-12T00:05:47.658414+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
My BMW 4 series was backed into while parked by a nice neighbor , I was quoted 4000$ for repair. He initially said he would settle with cash. But the body shop recommended using insurance as repair will take few days.

metadata:
{"subreddit": "Insurance", "post_id": "1qxhp58", "score": 13, "num_comments": 19, "created_utc": 1770384696.0, "selftext": "I was planning to sell the car before this incident. Carvana offered 18000$ for the car. Since the neighbors were nice I said we will work with them on what ever makes it comfortable for them.i  am worried the car value would go down with this.\n2 questions \n1)\nShould I get the car repaired or keep the money and try to sell the car with Dent in the door.  \n2) if repairing should I go with his insurance or take the cash from him?", "sort": "top", "upvote_ratio": 0.94, "author": "Upsloped"}

selftext:
I was planning to sell the car before this incident. Carvana offered 18000$ for the car. Since the neighbors were nice I said we will work with them on what ever makes it comfortable for them.i  am worried the car value would go down with this.
2 questions 
1)
Should I get the car repaired or keep the money and try to sell the car with Dent in the door.  
2) if repairing should I go with his insurance or take the cash from him?


topic_name: Der Standard (Austrian newspaper) newsletter registration
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1oesd9a/der_standard_austrian_newspaper_newsletter/
collected_at: 2026-02-12T00:05:53.366375+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1oesd9a", "score": 17, "num_comments": 0, "created_utc": 1761294903.0, "selftext": "This shows up when registering for an account with the newspaper's website. From the corner of my eye, I saw that the checkbox label said something about \"E-Mail\" and, of course, by muscle memory left it unchecked. I had already sent the the form before I noticed what the text actually says. It roughly reads:\n\n\"I forgo being informed about editorial content, news and products by Der Standard via e-mail \\[\u2026\\]\"", "sort": "hot", "upvote_ratio": 1.0, "author": "Anamon"}

selftext:
This shows up when registering for an account with the newspaper's website. From the corner of my eye, I saw that the checkbox label said something about "E-Mail" and, of course, by muscle memory left it unchecked. I had already sent the the form before I noticed what the text actually says. It roughly reads:

"I forgo being informed about editorial content, news and products by Der Standard via e-mail \[…\]"


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxv28u/recently_divorced_dad_living_in_an_apartment_i_am/
collected_at: 2026-02-12T00:06:01.656978+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
Recently divorced dad living in an apartment. I am looking for necessary purchases to be a frugal single man. (I’m happy for hobby suggestions too).

metadata:
{"subreddit": "Frugal", "post_id": "1qxv28u", "score": 50, "num_comments": 72, "created_utc": 1770414610.0, "selftext": "Hi there, \n\nJust looking for the necessary buys. I have a futon couch, a recliner chair, a bed, a fridge, a table, and chairs, and a small portable clothes washer and drying rack. That is all. I am strongly considering a chest freezer and also wondering what else to include. For the time being I have subscribed to factor. I can cook well but due to mental health and the current transition I didn\u2019t want to add another responsibility to the list. Also there is a laundromat that offers drop off ser", "sort": "hot", "upvote_ratio": 0.83, "author": "Repulsive-Regret-243"}

selftext:
Hi there, 

Just looking for the necessary buys. I have a futon couch, a recliner chair, a bed, a fridge, a table, and chairs, and a small portable clothes washer and drying rack. That is all. I am strongly considering a chest freezer and also wondering what else to include. For the time being I have subscribed to factor. I can cook well but due to mental health and the current transition I didn’t want to add another responsibility to the list. Also there is a laundromat that offers drop off ser


topic_name: Disney Visa cards - Help me choose
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2521a/disney_visa_cards_help_me_choose/
collected_at: 2026-02-12T00:06:10.587937+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2521a", "score": 1, "num_comments": 6, "created_utc": 1770833907.0, "selftext": "Please check my math here. Yes I am aware other cards have better value.\n\nI am trying to get a Disney card before our upcoming Treasure cruise for a week. Cruise is already booked using Chase Sapphire Reserve. The goal of getting this card is purely to maximize onboard credits and cashback using SUB promotion. We have excellent credit, pay off our balances in full every month, and have no plans to rack up debt. We have no plans to go to WDW, Disneyland, don't care about Hulu/Disney+ credits etc.", "sort": "hot", "upvote_ratio": 0.67, "author": "grey-slate"}

selftext:
Please check my math here. Yes I am aware other cards have better value.

I am trying to get a Disney card before our upcoming Treasure cruise for a week. Cruise is already booked using Chase Sapphire Reserve. The goal of getting this card is purely to maximize onboard credits and cashback using SUB promotion. We have excellent credit, pay off our balances in full every month, and have no plans to rack up debt. We have no plans to go to WDW, Disneyland, don't care about Hulu/Disney+ credits etc.


topic_name: Comparing BILT Palladium Protections &amp; Benefits to All Other Elite CCs
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qw7asc/comparing_bilt_palladium_protections_benefits_to/
collected_at: 2026-02-12T00:06:13.782134+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qw7asc", "score": 99, "num_comments": 67, "created_utc": 1770254328.0, "selftext": "Earning rates &amp; credits aside, here is a comparison of the insurance and protections of other cards of this annual fee tier.\n\n|**Card**|**Annual Fee**|**Cell Phone Protection**|**Extended Warranty**|**Price Protection**|**Return Protection**|**Purchase Protection**|**Baggage Insurance**|**Baggage Delay**|**Travel Accident**|**Trip Cancelation**|**Trip Delay Insurance**|**Emergency Evacuation**|**Emergency Medical**|**Rental Car Insurance**|**Roadside Assitance**|**Hotel Theft Protection**|**", "sort": "top", "upvote_ratio": 0.94, "author": "Parking-Ice-9206"}

selftext:
Earning rates &amp; credits aside, here is a comparison of the insurance and protections of other cards of this annual fee tier.

|**Card**|**Annual Fee**|**Cell Phone Protection**|**Extended Warranty**|**Price Protection**|**Return Protection**|**Purchase Protection**|**Baggage Insurance**|**Baggage Delay**|**Travel Accident**|**Trip Cancelation**|**Trip Delay Insurance**|**Emergency Evacuation**|**Emergency Medical**|**Rental Car Insurance**|**Roadside Assitance**|**Hotel Theft Protection**|**


topic_name: Insurance not paying approved claim
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2cogd/insurance_not_paying_approved_claim/
collected_at: 2026-02-12T00:06:18.920916+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2cogd", "score": 1, "num_comments": 0, "created_utc": 1770851006.0, "selftext": "Location: Switzerland / Massachusetts USA, where I purchased a ski pass online with insurance through Europ Assist (Location: Switzerland).\n\nI was skiing in Switzerland and got into an accident where I needed medical attention in Jan 2025. I submitted my claim and it was approved in June 13 2025 and I provided all of the required banking details to have them pay the claim. There has been a lot of back and forth, they claim technical difficulties but have been unable to provide any evidence that ", "sort": "hot", "upvote_ratio": 1.0, "author": "vefola"}

selftext:
Location: Switzerland / Massachusetts USA, where I purchased a ski pass online with insurance through Europ Assist (Location: Switzerland).

I was skiing in Switzerland and got into an accident where I needed medical attention in Jan 2025. I submitted my claim and it was approved in June 13 2025 and I provided all of the required banking details to have them pay the claim. There has been a lot of back and forth, they claim technical difficulties but have been unable to provide any evidence that 


source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356580+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Would chinese biological parents have the ability to keep my husband from leaving China if he went to visit?

url:
https://reddit.com/r/legaladvice/comments/1qm3cuq/would_chinese_biological_parents_have_the_ability/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qm3cuq", "score": 890, "num_comments": 86, "created_utc": 1769299437.0, "selftext": "My husband was born in China and ran away from home at the age of 6. He was put in an orphanage and adopted into an American family at the age of 12. He has met his biological family and is thinking about visiting.\n\nThey have his legal paperwork from when he was born, would they be able to keep him in China if he went to visit?\n\nLocation: Chongqing China and USA\n\n  \nETA my husband is a US citizen, his parents have paperwork from when he was a Chinese citizen", "sort": "top", "upvote_ratio": 0.93, "author": "t00tiredtofunction"}

selftext:
My husband was born in China and ran away from home at the age of 6. He was put in an orphanage and adopted into an American family at the age of 12. He has met his biological family and is thinking about visiting.

They have his legal paperwork from when he was born, would they be able to keep him in China if he went to visit?

Location: Chongqing China and USA

  
ETA my husband is a US citizen, his parents have paperwork from when he was a Chinese citizen


topic_name: LPT: Create a will for yourself. If your parent(s) are still alive, urge them to do the same.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1quc2lr/lpt_create_a_will_for_yourself_if_your_parents/
collected_at: 2026-02-12T00:06:28.286102+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1quc2lr", "score": 514, "num_comments": 56, "created_utc": 1770076454.0, "selftext": "Going through this myself at the moment, I\u2019ve learned just how important having a will is. You hear it all your life, but you don\u2019t realize how important it is until you\u2019re working through logistics after both parents pass.\n\nPeople (including my parents probably) might assume that having a will is for people with tons of money to bestow as an inheritance and real estate to distribute. Couldn\u2019t be further from the truth. Having a will allows the executor of the estate to not only carry out what s", "sort": "hot", "upvote_ratio": 0.95, "author": "sufjan_mybeloved"}

selftext:
Going through this myself at the moment, I’ve learned just how important having a will is. You hear it all your life, but you don’t realize how important it is until you’re working through logistics after both parents pass.

People (including my parents probably) might assume that having a will is for people with tons of money to bestow as an inheritance and real estate to distribute. Couldn’t be further from the truth. Having a will allows the executor of the estate to not only carry out what s


topic_name: LPT: Your iPhone screen can get half as bright as the lowest brightness setting.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qbd3xg/lpt_your_iphone_screen_can_get_half_as_bright_as/
collected_at: 2026-02-12T00:06:31.302148+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qbd3xg", "score": 2169, "num_comments": 338, "created_utc": 1768265797.0, "selftext": "Settings \u2014&gt; Accessibility \u2014&gt; Display &amp; Text Size \u2014&gt; Reduce White Point.\n\nIt\u2019s great for headaches or movie theaters.\n\nEdit: You shouldn\u2019t use your phone in theaters. But if you\u2019re going to anyway, this setting will make everyone hate you slightly less.", "sort": "top", "upvote_ratio": 0.88, "author": "35364461a"}

selftext:
Settings —&gt; Accessibility —&gt; Display &amp; Text Size —&gt; Reduce White Point.

It’s great for headaches or movie theaters.

Edit: You shouldn’t use your phone in theaters. But if you’re going to anyway, this setting will make everyone hate you slightly less.


topic_name: Cozy winter layering piece, hooded Aran or something similar?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0uwx1/cozy_winter_layering_piece_hooded_aran_or/
collected_at: 2026-02-12T00:06:36.789722+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0uwx1", "score": 18, "num_comments": 9, "created_utc": 1770710486.0, "selftext": "\u00a0London winters are damp and grey, so I'm after a proper wool layer that's warm but doesn't make me look like I'm wearing a blanket. Been eyeing hooded Aran cardigans or zip-through styles in muted tones like oatmeal, tundra, or soft blue. Want something long enough to pair with boots and jeans or over dresses for work-from-home days. Not too chunky so I can still move. Seen prices from \u00a3100-\u00a3150 ish for decent ones. Has anyone here got one they live in? How's the sizing (I'm usually UK 10-12) a", "sort": "hot", "upvote_ratio": 0.89, "author": "Sufficient_Phone_322"}

selftext:
 London winters are damp and grey, so I'm after a proper wool layer that's warm but doesn't make me look like I'm wearing a blanket. Been eyeing hooded Aran cardigans or zip-through styles in muted tones like oatmeal, tundra, or soft blue. Want something long enough to pair with boots and jeans or over dresses for work-from-home days. Not too chunky so I can still move. Seen prices from £100-£150 ish for decent ones. Has anyone here got one they live in? How's the sizing (I'm usually UK 10-12) a


topic_name: Just bought this Kirby (2002/3) for $20
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qo1g89/just_bought_this_kirby_20023_for_20/
collected_at: 2026-02-12T00:06:40.492331+00:00
autocomplete: []
selftext: Purchased this Kirby Ultimate G last week for $20. Just picked it up from having it serviced.
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qo1g89", "score": 574, "num_comments": 49, "created_utc": 1769481762.0, "selftext": "Purchased this Kirby Ultimate G last week for $20. Just picked it up from having it serviced.", "sort": "top", "upvote_ratio": 0.98, "author": "NichelleMcD"}


topic_name: Temp Check: 2026 Sabbatical / Thru-hike
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qoy4rf/temp_check_2026_sabbatical_thruhike/
collected_at: 2026-02-12T00:06:47.000084+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qoy4rf", "score": 39, "num_comments": 56, "created_utc": 1769565838.0, "selftext": "Made a similar post over on r/fire but wanted to get this sub\u2018s thoughts as well (although \u2014 kind of seems that the audience of both subs overlaps by about 90%)\n\nStats:\n\n* 27 years old\n* $103k income + 12% variable comp\n* Sales ops / revenue ops in manufacturing, supporting the data center industry\n* $400k net worth - $300k investments/retirement, $100k CD / HYSA\n* FIRE goal $2.8M at 3.5% SWR, as soon as I can get there. Realistically 45+.\n\nI hate my job. I am the only sales ops guy supporting a", "sort": "hot", "upvote_ratio": 0.74, "author": "yes_no_yes_yes_yes"}

selftext:
Made a similar post over on r/fire but wanted to get this sub‘s thoughts as well (although — kind of seems that the audience of both subs overlaps by about 90%)

Stats:

* 27 years old
* $103k income + 12% variable comp
* Sales ops / revenue ops in manufacturing, supporting the data center industry
* $400k net worth - $300k investments/retirement, $100k CD / HYSA
* FIRE goal $2.8M at 3.5% SWR, as soon as I can get there. Realistically 45+.

I hate my job. I am the only sales ops guy supporting a


topic_name: This is why Custom earbuds cost so much 💸
source: youtube
region: US
url: https://youtube.com/watch?v=8Nc96cZjR20
collected_at: 2026-02-12T00:04:31.071991
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "8Nc96cZjR20", "channel": "FineBuzz", "category": "Science & Technology", "category_id": 28, "views": "5260963", "view_count": 5260963, "likes": "229375", "published_at": "2026-02-03T12:01:24Z"}


topic_name: Using RSUs to pay off mortgage?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r28otc/using_rsus_to_pay_off_mortgage/
collected_at: 2026-02-12T00:04:41.814959+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r28otc", "score": 0, "num_comments": 7, "created_utc": 1770841855.0, "selftext": "I have about $125k of vested RSUs that I need to do something with. I plan to leave my job in April and would like to have a plan on what to do. Theres been virtually no gains so the taxes have already been paid. I see 3-4 options-\n\n1. Cash out and reinvest elsewhere into Mutual or Index funds \n\n2. Pay off our second home mortgage in full. Rate is 2.75%- would free up $1400 in monthly cashflow. \n\n3. Lump sum or recast payment on primary home mortgage. $412k balance at 5%. If recast would reduce ", "sort": "hot", "upvote_ratio": 0.5, "author": "Easy_Finger2189"}

selftext:
I have about $125k of vested RSUs that I need to do something with. I plan to leave my job in April and would like to have a plan on what to do. Theres been virtually no gains so the taxes have already been paid. I see 3-4 options-

1. Cash out and reinvest elsewhere into Mutual or Index funds 

2. Pay off our second home mortgage in full. Rate is 2.75%- would free up $1400 in monthly cashflow. 

3. Lump sum or recast payment on primary home mortgage. $412k balance at 5%. If recast would reduce 


topic_name: Did I misread Capital One $1500 HYSA sign up offer?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418245+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qo5i0e/did_i_misread_capital_one_1500_hysa_sign_up_offer/

metadata:
{"subreddit": "personalfinance", "post_id": "1qo5i0e", "score": 301, "num_comments": 104, "created_utc": 1769493116.0, "selftext": "I have a capital one credit and saw a link that said I was eligible to receive a $1500 bonus if I signed up for their HYSA, deposited $20k in funds with 15 or 21 days, and held it for an additional 45 or so days. However, I keep on seeing people posting that you need to deposit $100k to get the $1500. I\u2019m now thinking I misread the terms, unless I received some targeted offer. But after doing some searching on Reddit and other sites I cannot seem to find anyone else who got this offer. Didn\u2019t sc", "sort": "top", "upvote_ratio": 0.81, "author": "Ok_Information_4900"}

selftext:
I have a capital one credit and saw a link that said I was eligible to receive a $1500 bonus if I signed up for their HYSA, deposited $20k in funds with 15 or 21 days, and held it for an additional 45 or so days. However, I keep on seeing people posting that you need to deposit $100k to get the $1500. I’m now thinking I misread the terms, unless I received some targeted offer. But after doing some searching on Reddit and other sites I cannot seem to find anyone else who got this offer. Didn’t sc


topic_name: Out of State Co-Signer Question
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0qzpo/out_of_state_cosigner_question/
collected_at: 2026-02-12T00:04:50.635783+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0qzpo", "score": 1, "num_comments": 4, "created_utc": 1770697381.0, "selftext": "Initiated a purchase today on a new vehicle. Everything worked out well overall, but dealer kept being unusual by changing variables/terms throughout the day. I have a relative cosigner with stellar credit who lives out of state. I signed all my portion of the paperwork and now they will be sending documents to be notarized in other state and returned. I had a horrible experience with the finance person and they started changing rates slightly even though we were guaranteed a new car rate of 4.9", "sort": "hot", "upvote_ratio": 0.67, "author": "homestardrummer3"}

selftext:
Initiated a purchase today on a new vehicle. Everything worked out well overall, but dealer kept being unusual by changing variables/terms throughout the day. I have a relative cosigner with stellar credit who lives out of state. I signed all my portion of the paperwork and now they will be sending documents to be notarized in other state and returned. I had a horrible experience with the finance person and they started changing rates slightly even though we were guaranteed a new car rate of 4.9


topic_name: New car being shipped - what level of damage is acceptable?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qom5ys/new_car_being_shipped_what_level_of_damage_is/
collected_at: 2026-02-12T00:04:53.860367+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qom5ys", "score": 16, "num_comments": 25, "created_utc": 1769538611.0, "selftext": "I\u2019m having a brand new car shipped about 10 hours on open transport.  While it is fairly expensive, it\u2019s a family car and not something special/exotic that would require enclosed shipping. \n\nObviously any sort of big scratches or dents are a different story, but what about very small rock chips or similar?  This is the sort of damage that will probably occur in the first few weeks/months anyway so I\u2019m not looking to be unreasonable (plus I know this could happen with shipping), but at the same t", "sort": "top", "upvote_ratio": 0.74, "author": "MrNoodleIncident"}

selftext:
I’m having a brand new car shipped about 10 hours on open transport.  While it is fairly expensive, it’s a family car and not something special/exotic that would require enclosed shipping. 

Obviously any sort of big scratches or dents are a different story, but what about very small rock chips or similar?  This is the sort of damage that will probably occur in the first few weeks/months anyway so I’m not looking to be unreasonable (plus I know this could happen with shipping), but at the same t


topic_name: repair bathtub scratches and chips
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1dcx8/repair_bathtub_scratches_and_chips/
collected_at: 2026-02-12T00:04:59.457545+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1dcx8", "score": 6, "num_comments": 8, "created_utc": 1770757934.0, "selftext": "I accidentally scratched my bathtub surface by using a plastic stopper/drainer. The bathtub is iron cast and the black layer beneath is exposed. (Those scratches are not just marks or stains that can be scrubbed off. The surface has been scratched through, exposing the black layer underneath, so none of the eraser or cleaning products solved the problem).\n\nI\u2019m wondering if there\u2019s a way to repair the scratches and get the color to match the rest of the tub. Has anyone dealt with something simila", "sort": "hot", "upvote_ratio": 0.76, "author": "lisa_FBA"}

selftext:
I accidentally scratched my bathtub surface by using a plastic stopper/drainer. The bathtub is iron cast and the black layer beneath is exposed. (Those scratches are not just marks or stains that can be scrubbed off. The surface has been scratched through, exposing the black layer underneath, so none of the eraser or cleaning products solved the problem).

I’m wondering if there’s a way to repair the scratches and get the color to match the rest of the tub. Has anyone dealt with something simila


topic_name: Paycheck
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qqhnc3/paycheck/
collected_at: 2026-02-12T00:05:03.489280+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qqhnc3", "score": 885, "num_comments": 348, "created_utc": 1769713291.0, "selftext": "i just really need help breaking these down! my employer is in the midst of multiple lawsuits over wages, and i just make sure everything is right, i can\u2019t live off of the amounts they are paying me. one week i made 930.53 they let me have 491 of that. this week i made 688 they let me have 355 of that. I also don\u2019t know what \u201cOlther pay\u201d is. thanks to everyone in advance!", "sort": "top", "upvote_ratio": 0.96, "author": "Afraid_Bench9072"}

selftext:
i just really need help breaking these down! my employer is in the midst of multiple lawsuits over wages, and i just make sure everything is right, i can’t live off of the amounts they are paying me. one week i made 930.53 they let me have 491 of that. this week i made 688 they let me have 355 of that. I also don’t know what “Olther pay” is. thanks to everyone in advance!


topic_name: (US) Definitely not a legit job offer. BEWARE!
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r12on7/us_definitely_not_a_legit_job_offer_beware/
collected_at: 2026-02-12T00:05:08.886750+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r12on7", "score": 15, "num_comments": 25, "created_utc": 1770734824.0, "selftext": "I'm currently unemployed and got a text with a remote job offer from someone claiming to be from VRG Therapeutics. The position is for customer service/data entry. It paid nearly $30/hour for training (a week) and nearly $40/hour but no more than 35 hours a week.\n\nI passed the \"interview/briefing\" with flying colors, although I got a nagging feeling during the interview. I think it was the asking about loyalty a couple of times. I wondered how was the workload that they felt the need to ask this", "sort": "hot", "upvote_ratio": 0.76, "author": "njangel94"}

selftext:
I'm currently unemployed and got a text with a remote job offer from someone claiming to be from VRG Therapeutics. The position is for customer service/data entry. It paid nearly $30/hour for training (a week) and nearly $40/hour but no more than 35 hours a week.

I passed the "interview/briefing" with flying colors, although I got a nagging feeling during the interview. I think it was the asking about loyalty a couple of times. I wondered how was the workload that they felt the need to ask this


topic_name: (US)Is this a crypto scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qnj7p1/usis_this_a_crypto_scam/
collected_at: 2026-02-12T00:05:12.358928+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qnj7p1", "score": 115, "num_comments": 147, "created_utc": 1769441551.0, "selftext": "So my husband decided to invest 1k on crypto.com. now he tells me some investor gave him 10k to put into crypto and now he supposedly made 190k that he said he'withdrew' and is now in a wallet.\n\nHe also said he has to pay 5700 dollars in crypto or something like that to be able to get the money  by today or some fee will start being deducted from the total balance.\n\nNone of this sounds right to me.\n\nThen he went to some other app that he said was his wallet. I don't know what app it was but he s", "sort": "top", "upvote_ratio": 0.93, "author": "Fantastic_Pen_7944"}

selftext:
So my husband decided to invest 1k on crypto.com. now he tells me some investor gave him 10k to put into crypto and now he supposedly made 190k that he said he'withdrew' and is now in a wallet.

He also said he has to pay 5700 dollars in crypto or something like that to be able to get the money  by today or some fee will start being deducted from the total balance.

None of this sounds right to me.

Then he went to some other app that he said was his wallet. I don't know what app it was but he s


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pqem4f/microsoft_dropped_the_ball_with_the_dragon/
collected_at: 2026-02-12T00:05:17.889827+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Microsoft dropped the ball with the Dragon Anywhere app and therefore ruined the gold standard for medical professionals

metadata:
{"subreddit": "assholedesign", "post_id": "1pqem4f", "score": 256, "num_comments": 90, "created_utc": 1766127567.0, "selftext": "Microsoft bought Nuance and therefore Dragon anywhere. Since then the program got worse and worse. They abandoned this app for dictation even if the medical sector pays big money for this. Especially because it\u2019s the only Program where you can teach it medical vocabulary.\n\nIn the pictures is the end-user failure analysis that I send apple (since I downloaded from them) for them to investigate\n\n No one at Nuance or Microsoft listens or takes responsibility. It\u2019s really unbelievable. And don\u2019t eve", "sort": "hot", "upvote_ratio": 0.91, "author": "Appropriate-Pea4224"}

selftext:
Microsoft bought Nuance and therefore Dragon anywhere. Since then the program got worse and worse. They abandoned this app for dictation even if the medical sector pays big money for this. Especially because it’s the only Program where you can teach it medical vocabulary.

In the pictures is the end-user failure analysis that I send apple (since I downloaded from them) for them to investigate

 No one at Nuance or Microsoft listens or takes responsibility. It’s really unbelievable. And don’t eve


topic_name: Birthday Battles?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxm6n5/birthday_battles/
collected_at: 2026-02-12T00:05:26.020546+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxm6n5", "score": 17, "num_comments": 3, "created_utc": 1770395070.0, "selftext": "Hi fam. I\u2019m at a cafe and I hear a woman talking about hosting \u2018battles\u2019? Specifically she mentioned birthday battles. I\u2019ll try to give an example what she\u2019s saying.\n\n\u2018They send you samples that you have to pay for, sometimes they reimburse you. If you have like, 2 battles a week you\u2019ll get like $20 from that. We have a team, mine is mostly moms.\n\nMy husband keeps telling me to just go work at the school, he keeps yelling at me, he says it\u2019s not worth it.\u2019\n\nIt sounds like something you do online", "sort": "hot", "upvote_ratio": 0.95, "author": "PoisonMeDadddy"}

selftext:
Hi fam. I’m at a cafe and I hear a woman talking about hosting ‘battles’? Specifically she mentioned birthday battles. I’ll try to give an example what she’s saying.

‘They send you samples that you have to pay for, sometimes they reimburse you. If you have like, 2 battles a week you’ll get like $20 from that. We have a team, mine is mostly moms.

My husband keeps telling me to just go work at the school, he keeps yelling at me, he says it’s not worth it.’

It sounds like something you do online


topic_name: Monat passport trip to hawaii
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qbkviu/monat_passport_trip_to_hawaii/
collected_at: 2026-02-12T00:05:30.135159+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qbkviu", "score": 150, "num_comments": 41, "created_utc": 1768288518.0, "selftext": "You'll hear a LOT of huns talking about Hawaii in the coming months.  It's the destination for their next 'passport' incentive trip (which for USA citizens does NOT require a passport). \n\nI did the Aussie math to see how likely it is for people to qualify.  \n\nBackground numbers.  I'm estimating there are 15,000 people working Monat in Australia today.   This is much lower than the number they provided around 2 years ago.  So it's a conservative estimate. \n\n39% of people in Australia are ACTIVELY", "sort": "top", "upvote_ratio": 0.99, "author": "Timely_Objective_585"}

selftext:
You'll hear a LOT of huns talking about Hawaii in the coming months.  It's the destination for their next 'passport' incentive trip (which for USA citizens does NOT require a passport). 

I did the Aussie math to see how likely it is for people to qualify.  

Background numbers.  I'm estimating there are 15,000 people working Monat in Australia today.   This is much lower than the number they provided around 2 years ago.  So it's a conservative estimate. 

39% of people in Australia are ACTIVELY


topic_name: What’s a great 30-60-90 day plan for an Underwriting Assistant.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1jub4/whats_a_great_306090_day_plan_for_an_underwriting/
collected_at: 2026-02-12T00:05:44.256712+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1jub4", "score": 3, "num_comments": 1, "created_utc": 1770773669.0, "selftext": "I am a top contender for a UA role for specialty insurance/complex casualty insurance at a prestigious company. This will be a new experience for me, even with my meager 2.5 years in retail excess casualty. May I please have suggestions for what I ought to have as reasonable and meaningful goals for a 30-60-90 day plan? ", "sort": "hot", "upvote_ratio": 1.0, "author": "jaahshoeuh"}

selftext:
I am a top contender for a UA role for specialty insurance/complex casualty insurance at a prestigious company. This will be a new experience for me, even with my meager 2.5 years in retail excess casualty. May I please have suggestions for what I ought to have as reasonable and meaningful goals for a 30-60-90 day plan? 


topic_name: Mom’s job requires Dad to use his insurance as primary even though her’s is much better.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qdq4lw/moms_job_requires_dad_to_use_his_insurance_as/
collected_at: 2026-02-12T00:05:47.658417+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qdq4lw", "score": 13, "num_comments": 62, "created_utc": 1768498728.0, "selftext": "Is there a way to get around this? My dad has cancer and is going through treatment right now. His insurance through his job isn\u2019t good but my mom has great insurance through the hospital she works at. But her insurance states that he has to use the insurance provided by his job as primary and hers as secondary. \n\nThank you for any help. ", "sort": "top", "upvote_ratio": 0.68, "author": "LyisCn"}

selftext:
Is there a way to get around this? My dad has cancer and is going through treatment right now. His insurance through his job isn’t good but my mom has great insurance through the hospital she works at. But her insurance states that he has to use the insurance provided by his job as primary and hers as secondary. 

Thank you for any help. 


topic_name: Dark Patterns in Game Dev
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1oagmw1/dark_patterns_in_game_dev/
collected_at: 2026-02-12T00:05:53.366378+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1oagmw1", "score": 4, "num_comments": 0, "created_utc": 1760848503.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.83, "author": "mauserk98"}


topic_name: Recommendation for twin size adjustable bed
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qylwrv/recommendation_for_twin_size_adjustable_bed/
collected_at: 2026-02-12T00:06:01.656981+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qylwrv", "score": 3, "num_comments": 1, "created_utc": 1770490122.0, "selftext": "I'm in the market for a new bed frame and mattress. I get overwhelmed with options and I don't really like going to stores, so I prefer something I can just buy online. Not sure if it matters, but I also live on the second floor and the building has no elevators.\n\nAny stores or brands anyone has good experience with? Are those \"Presidents Day sales\" worth the wait, or are they just gimmicks?", "sort": "hot", "upvote_ratio": 0.66, "author": "Several-Membership91"}

selftext:
I'm in the market for a new bed frame and mattress. I get overwhelmed with options and I don't really like going to stores, so I prefer something I can just buy online. Not sure if it matters, but I also live on the second floor and the building has no elevators.

Any stores or brands anyone has good experience with? Are those "Presidents Day sales" worth the wait, or are they just gimmicks?


topic_name: Is a YT premium membership worth it or is it a waste of money?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qevpgd/is_a_yt_premium_membership_worth_it_or_is_it_a/
collected_at: 2026-02-12T00:06:05.044562+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qevpgd", "score": 319, "num_comments": 409, "created_utc": 1768605598.0, "selftext": "EDIT: Thank you for the many answers within minutes! I'm overwhelmed, but reading them all!\n\nEDIT 2: Ok, I'm getting Youtube premium. Thanks for all the tips re adblocks and all, but I do not have the mental capacity for that rn. Thank you for everyone who told me it's not a waste of money if it makes my life better (somehow I struggle with spending money on improving my life). Thank you to everyone who took time out of their day to comment!\n\nEDIT 3: I have a genetic illness, I am severely disab", "sort": "top", "upvote_ratio": 0.8, "author": "Tessa-the-aggressor"}

selftext:
EDIT: Thank you for the many answers within minutes! I'm overwhelmed, but reading them all!

EDIT 2: Ok, I'm getting Youtube premium. Thanks for all the tips re adblocks and all, but I do not have the mental capacity for that rn. Thank you for everyone who told me it's not a waste of money if it makes my life better (somehow I struggle with spending money on improving my life). Thank you to everyone who took time out of their day to comment!

EDIT 3: I have a genetic illness, I am severely disab


topic_name: US-based customer support (business)
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1yb4z/usbased_customer_support_business/
collected_at: 2026-02-12T00:06:10.587941+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1yb4z", "score": 2, "num_comments": 3, "created_utc": 1770818840.0, "selftext": "Hi folks -\n\n  \nThis has been asked in the past, but the latest I saw was 3 years ago.  Since their acquisition by CapitalOne, Discover has now killed most or all of their business accounts, moving them over to CapOne.  CapOne is most assuredly NOT US-based support.\n\nAre there any that still are, on the small business side?", "sort": "hot", "upvote_ratio": 1.0, "author": "hamhead"}

selftext:
Hi folks -

  
This has been asked in the past, but the latest I saw was 3 years ago.  Since their acquisition by CapitalOne, Discover has now killed most or all of their business accounts, moving them over to CapOne.  CapOne is most assuredly NOT US-based support.

Are there any that still are, on the small business side?


topic_name: Citi refused to honor in-flight AA 80k offer even with proof. I'd avoid
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qqwpio/citi_refused_to_honor_inflight_aa_80k_offer_even/
collected_at: 2026-02-12T00:06:13.782139+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qqwpio", "score": 94, "num_comments": 12, "created_utc": 1769750838.0, "selftext": "Posting this to see if anyone else has dealt with something similar.\n\nOn 12/14 I was on an AA flight and got one of those inflight credit card flyers for the Citi AAdvantage Platinum Select. The offer on the brochure was 80k miles after $1,000 spend in the first month. I applied based on that.\n\nAfter I was approved my account showed a completely different offer: 40,000 miles after $2,000 spend.\n\nI met the original $1,000 spend pretty quickly, then called Citi when I realized the offer didn\u2019t mat", "sort": "top", "upvote_ratio": 0.94, "author": "zion28"}

selftext:
Posting this to see if anyone else has dealt with something similar.

On 12/14 I was on an AA flight and got one of those inflight credit card flyers for the Citi AAdvantage Platinum Select. The offer on the brochure was 80k miles after $1,000 spend in the first month. I applied based on that.

After I was approved my account showed a completely different offer: 40,000 miles after $2,000 spend.

I met the original $1,000 spend pretty quickly, then called Citi when I realized the offer didn’t mat


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2ckpd/police_came_into_my_workplace_and_asked_to_use/
collected_at: 2026-02-12T00:06:18.920920+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Police came into my workplace and asked to use our cameras for an incident that happened across the street, does my work have to pay me while I’m in court?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2ckpd", "score": 0, "num_comments": 0, "created_utc": 1770850762.0, "selftext": "Location: Maryland \n\nWas at work and an officer said there was an incident across the street at a 7-11 and wanted to know if we had cameras that were angled that direction, I showed him the angles and sent him the footage he was looking for. Now I got a subpoena and was wondering if my job has to pay me while Im testifying.", "sort": "hot", "upvote_ratio": 0.5, "author": "TheJearBear28"}

selftext:
Location: Maryland 

Was at work and an officer said there was an incident across the street at a 7-11 and wanted to know if we had cameras that were angled that direction, I showed him the angles and sent him the footage he was looking for. Now I got a subpoena and was wondering if my job has to pay me while Im testifying.


topic_name: Laid off effective immediately but am still asked to come in to work. (no severance)
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356583+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qc8qqj/laid_off_effective_immediately_but_am_still_asked/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qc8qqj", "score": 878, "num_comments": 168, "created_utc": 1768351158.0, "selftext": "Location: VA\nI was laid off last week from my employer after three months of the place of business being open (med spa). They told me that they were closing down this establishment until further notice. I was an hourly and commission employee. I performed services for commission and got paid hourly for other tasks. If you\u2019ve worked in the beauty industry, hopefully this makes sense. I was the only full-time employee while everyone else was \u201con call\u201c so they didn\u2019t get laid off, as they only come", "sort": "top", "upvote_ratio": 0.92, "author": "yunqi69"}

selftext:
Location: VA
I was laid off last week from my employer after three months of the place of business being open (med spa). They told me that they were closing down this establishment until further notice. I was an hourly and commission employee. I performed services for commission and got paid hourly for other tasks. If you’ve worked in the beauty industry, hopefully this makes sense. I was the only full-time employee while everyone else was “on call“ so they didn’t get laid off, as they only come


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qu3xf4/lpt_check_your_pets_microchip_registration_a/
collected_at: 2026-02-12T00:06:28.286106+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: Check your pet’s microchip registration. A major registry shut down, leaving many pets still unregistered a year later

metadata:
{"subreddit": "LifeProTips", "post_id": "1qu3xf4", "score": 1235, "num_comments": 41, "created_utc": 1770058381.0, "selftext": "Pet owners - it\u2019s been a year since Save This Life pet microchip registry shut down without notice. If your pet was registered with them, that registration is no longer active or linked to your contact information unless you re-registered your pet with another registry.\n\nI work at a shelter, and even though this briefly made the news last year, we still regularly get in lost pets where owners were unaware and thought their pet was registered, but no longer is.\n\nPlease take a minute to verify you", "sort": "hot", "upvote_ratio": 0.97, "author": "Fresh-Solid-4046"}

selftext:
Pet owners - it’s been a year since Save This Life pet microchip registry shut down without notice. If your pet was registered with them, that registration is no longer active or linked to your contact information unless you re-registered your pet with another registry.

I work at a shelter, and even though this briefly made the news last year, we still regularly get in lost pets where owners were unaware and thought their pet was registered, but no longer is.

Please take a minute to verify you


topic_name: Dinnerware recommendation. Looking at Made In.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0suit/dinnerware_recommendation_looking_at_made_in/
collected_at: 2026-02-12T00:06:36.789726+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0suit", "score": 12, "num_comments": 46, "created_utc": 1770703153.0, "selftext": "Hello,\n\nOver the past 5-10 years I\u2019ve spent way too much money trying to find quality dinnerware. \n\nMy latest purchase (AFTER my stoneware purchase that cracked just looking at them), which was very expensive, was a set of Le Creuset dinner plates (luckily I just bought the dinner plates) and while they haven\u2019t chipped or cracked, the amount of scratches from simple, everyday use is obscene. I cannot fathom what they will look like if I use a steak knife. \n\nHas anyone purchased Made In dinnerwar", "sort": "hot", "upvote_ratio": 0.68, "author": "Careless-Snow-3253"}

selftext:
Hello,

Over the past 5-10 years I’ve spent way too much money trying to find quality dinnerware. 

My latest purchase (AFTER my stoneware purchase that cracked just looking at them), which was very expensive, was a set of Le Creuset dinner plates (luckily I just bought the dinner plates) and while they haven’t chipped or cracked, the amount of scratches from simple, everyday use is obscene. I cannot fathom what they will look like if I use a steak knife. 

Has anyone purchased Made In dinnerwar


topic_name: What was a very expensive item you bought which was really useful?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qstrya/what_was_a_very_expensive_item_you_bought_which/
collected_at: 2026-02-12T00:06:40.492338+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qstrya", "score": 575, "num_comments": 755, "created_utc": 1769937413.0, "selftext": "We always get the question about cheap items that changed your life. What about the other end of the spectrum: what was a really expensive item that was not just for status (looking at you, Rolex), but was really useful (\"transformed your life\")?  \n\nI had a MacBook Air for almost 10 years. The critter was really expensive, coming out of university, but it served me well for all those years. Replaced it with a standard PC for a few years, which was never the same.  \n\nLast week I invested in a dec", "sort": "top", "upvote_ratio": 0.92, "author": "ohuf"}

selftext:
We always get the question about cheap items that changed your life. What about the other end of the spectrum: what was a really expensive item that was not just for status (looking at you, Rolex), but was really useful ("transformed your life")?  

I had a MacBook Air for almost 10 years. The critter was really expensive, coming out of university, but it served me well for all those years. Replaced it with a standard PC for a few years, which was never the same.  

Last week I invested in a dec


topic_name: He Thought His Opponent HAD CHEATED Mid-Game... 😳🏓
source: youtube
region: US
url: https://youtube.com/watch?v=eFKEYrikAL4
collected_at: 2026-02-12T00:04:30.766294
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "eFKEYrikAL4", "channel": "Rise & Inspire", "category": "Sports", "category_id": 17, "views": "5197037", "view_count": 5197037, "likes": "214463", "published_at": "2026-02-05T13:03:35Z"}


topic_name: Am I missing anything?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r28o13/am_i_missing_anything/
collected_at: 2026-02-12T00:04:41.814964+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r28o13", "score": 1, "num_comments": 3, "created_utc": 1770841809.0, "selftext": "I am a 24m working a tech job making around 50k a year. I have been fortunate enough to live at home without paying rent after college and I am currently debt free. I have had a Roth IRA with vanguard for 2-3 years but I only started maxing out my contributions last year. The rest of my money is currently in a savings account which is earning 3.5% APY. I also have a 401k and hsa through my job that I am contributing through paychecks as my job matches 3% for my 401k.\n\nI have maybe a year or less", "sort": "hot", "upvote_ratio": 1.0, "author": "Odd-Description-6395"}

selftext:
I am a 24m working a tech job making around 50k a year. I have been fortunate enough to live at home without paying rent after college and I am currently debt free. I have had a Roth IRA with vanguard for 2-3 years but I only started maxing out my contributions last year. The rest of my money is currently in a savings account which is earning 3.5% APY. I also have a 401k and hsa through my job that I am contributing through paychecks as my job matches 3% for my 401k.

I have maybe a year or less


topic_name: Surprise NY 529 plan but I’m done with school - what to do with it?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418249+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qkarly/surprise_ny_529_plan_but_im_done_with_school_what/

metadata:
{"subreddit": "personalfinance", "post_id": "1qkarly", "score": 297, "num_comments": 122, "created_utc": 1769125545.0, "selftext": "My mother passed away 14 years ago when I was only 1 semester from being done with college. I learned this week that she apparently owned a New York 529 plan with me as its beneficiary. (In case you\u2019re from Wyoming, a 529 plan is a tax-advantaged savings plan specifically for educational expenses.) For some reason that boggles the mind, the ownership of the 529 account was transferred to her executor. The executor promptly forgot all about it for 14 years until recently. In the meanwhile the bal", "sort": "top", "upvote_ratio": 0.9, "author": "thecommexokid"}

selftext:
My mother passed away 14 years ago when I was only 1 semester from being done with college. I learned this week that she apparently owned a New York 529 plan with me as its beneficiary. (In case you’re from Wyoming, a 529 plan is a tax-advantaged savings plan specifically for educational expenses.) For some reason that boggles the mind, the ownership of the 529 account was transferred to her executor. The executor promptly forgot all about it for 14 years until recently. In the meanwhile the bal


topic_name: Selling private party question
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0py9p/selling_private_party_question/
collected_at: 2026-02-12T00:04:50.635787+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0py9p", "score": 1, "num_comments": 2, "created_utc": 1770694439.0, "selftext": "Illinois based FYI\n\nSelling car private party question\n\nFirst time private party sale - Pardon my idiocracy - Any help is greatly appreciated\n\nI\u2019m selling my car to a good buddy. \n\nCapital one holds my title. He would be paying me 28k, i would pay off the loan. Then capital one mails the title. \n\nI would complete a bill of sale, take my plates &amp; registration card out, \n\nCapital one said they won\u2019t get the loan to me for 13 days - as it\u2019s mailed - Here\u2019s my question. \n\n\u2022 Can he go and registe", "sort": "hot", "upvote_ratio": 0.67, "author": "Broominwombs"}

selftext:
Illinois based FYI

Selling car private party question

First time private party sale - Pardon my idiocracy - Any help is greatly appreciated

I’m selling my car to a good buddy. 

Capital one holds my title. He would be paying me 28k, i would pay off the loan. Then capital one mails the title. 

I would complete a bill of sale, take my plates &amp; registration card out, 

Capital one said they won’t get the loan to me for 13 days - as it’s mailed - Here’s my question. 

• Can he go and registe


topic_name: I’m a woman in the industry and got offered a sales position. Talk me out of (or into) it!
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qny0eg/im_a_woman_in_the_industry_and_got_offered_a/
collected_at: 2026-02-12T00:04:53.860371+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qny0eg", "score": 18, "num_comments": 20, "created_utc": 1769472975.0, "selftext": "I (27F) currently work front desk at a BMW dealership and also help the service department. The previous sales manager recently left and offered me a sales position at his new BMW location. From my first week at my current job, all my coworkers said they think I\u2019ll be getting into sales. I work more closely with service right now and hate it lol.\n\nThe good thing about working for the previous sales manager is I\u2019d be the only woman at his location (feel like that\u2019s a huge advantage) and he\u2019d actu", "sort": "top", "upvote_ratio": 0.82, "author": "saammieeee"}

selftext:
I (27F) currently work front desk at a BMW dealership and also help the service department. The previous sales manager recently left and offered me a sales position at his new BMW location. From my first week at my current job, all my coworkers said they think I’ll be getting into sales. I work more closely with service right now and hate it lol.

The good thing about working for the previous sales manager is I’d be the only woman at his location (feel like that’s a huge advantage) and he’d actu


source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457549+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
How to manage my depression and anxiety when it comes mostly from things i can't control?(family, heath issues, living conditions)

url:
https://reddit.com/r/povertyfinance/comments/1r1tgti/how_to_manage_my_depression_and_anxiety_when_it/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1tgti", "score": 0, "num_comments": 1, "created_utc": 1770804326.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.44, "author": "Immediate_Chicken991"}


topic_name: I hate being told “just put him in daycare”
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1ql1itm/i_hate_being_told_just_put_him_in_daycare/
collected_at: 2026-02-12T00:05:03.489286+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1ql1itm", "score": 883, "num_comments": 83, "created_utc": 1769199037.0, "selftext": "I got a crazy good job offer, and when I finally did the interview, they told me that I needed to work days that I can\u2019t get childcare. It was $19 an hour in Tacoma Washington and I started panicking, they told me that they would call me back on Monday to schedule training and as soon as the call ended, I started crying. This is the best job opportunity I\u2019ve been given and I called my mom and let her know how upset I was and her response was \u201cjust put him in daycare\u201d $19 an hour Tacoma Washingto", "sort": "top", "upvote_ratio": 0.93, "author": "Kai____ya"}

selftext:
I got a crazy good job offer, and when I finally did the interview, they told me that I needed to work days that I can’t get childcare. It was $19 an hour in Tacoma Washington and I started panicking, they told me that they would call me back on Monday to schedule training and as soon as the call ended, I started crying. This is the best job opportunity I’ve been given and I called my mom and let her know how upset I was and her response was “just put him in daycare” $19 an hour Tacoma Washingto


topic_name: Hudson’s Bay Point Blanket- brushing scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0fe6u/hudsons_bay_point_blanket_brushing_scam/
collected_at: 2026-02-12T00:05:08.886754+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0fe6u", "score": 297, "num_comments": 58, "created_utc": 1770668593.0, "selftext": "We received an unexpected delivery of a seemingly authentic 6-point 100% wool HBC blanket. We don\u2019t recognize the return address or sender and didn\u2019t order this. It clearly didn\u2019t come directly from HBC based on the way it was packed (in a staples brand moving box filled with Russian-language newspaper ads from London, ON). I\u2019ve attached pictures of everything. \n\nWe\u2019re wondering if this is part of a brushing scam, since these blankets go for several thousand CAD. We aren\u2019t sure the blanket is re", "sort": "hot", "upvote_ratio": 0.94, "author": "Silly_Bookkeeper"}

selftext:
We received an unexpected delivery of a seemingly authentic 6-point 100% wool HBC blanket. We don’t recognize the return address or sender and didn’t order this. It clearly didn’t come directly from HBC based on the way it was packed (in a staples brand moving box filled with Russian-language newspaper ads from London, ON). I’ve attached pictures of everything. 

We’re wondering if this is part of a brushing scam, since these blankets go for several thousand CAD. We aren’t sure the blanket is re


topic_name: [US] Please Read if You Have an Older Gay Man in Your Life
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qpqzdg/us_please_read_if_you_have_an_older_gay_man_in/
collected_at: 2026-02-12T00:05:12.358932+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qpqzdg", "score": 109, "num_comments": 15, "created_utc": 1769641163.0, "selftext": "I work in a safety-net clinic where we see very vulnerable populations, especially people living with HIV and comorbidities like dementia\n\nOver the past couple of months, I've now come across 2 separate elderly gay men who have told me that they're in a relationship with David Archuletta, specifically. Yes, the American Idol guy.\n\n  \n\nNow, I know that it's not completely impossible that they're telling the truth, but suffice it to say, the details they provided regarding these relationships were", "sort": "top", "upvote_ratio": 0.91, "author": "LS139"}

selftext:
I work in a safety-net clinic where we see very vulnerable populations, especially people living with HIV and comorbidities like dementia

Over the past couple of months, I've now come across 2 separate elderly gay men who have told me that they're in a relationship with David Archuletta, specifically. Yes, the American Idol guy.

  

Now, I know that it's not completely impossible that they're telling the truth, but suffice it to say, the details they provided regarding these relationships were


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pp66so/if_you_work_for_john_deere_and_you_are/
collected_at: 2026-02-12T00:05:17.889830+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
If you work for John Deere and you are responsible for this filter housing. Just know, I hate you with every fiber of my being.

metadata:
{"subreddit": "assholedesign", "post_id": "1pp66so", "score": 1723, "num_comments": 106, "created_utc": 1766001048.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "Spicy_Ramen77"}


topic_name: Monet huns making a shift…
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qwzh7i/monet_huns_making_a_shift/
collected_at: 2026-02-12T00:05:26.020550+00:00
autocomplete: []
selftext: What is it with Monet huns and their sudden pivot to pushing red light “therapy”?
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qwzh7i", "score": 118, "num_comments": 33, "created_utc": 1770329723.0, "selftext": "What is it with Monet huns and their sudden pivot to pushing red light \u201ctherapy\u201d? ", "sort": "hot", "upvote_ratio": 0.98, "author": "rabies3000"}


topic_name: Top tier parenting
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qe7ew6/top_tier_parenting/
collected_at: 2026-02-12T00:05:30.135162+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qe7ew6", "score": 146, "num_comments": 27, "created_utc": 1768541284.0, "selftext": "Imagine prompting a child to ask people to help get them to Hawaii then posting the video \ud83e\udd26\u200d\u2640\ufe0f I know this hun does some questionable things but this takes the cake.", "sort": "top", "upvote_ratio": 0.99, "author": "kbin1970"}

selftext:
Imagine prompting a child to ask people to help get them to Hawaii then posting the video 🤦‍♀️ I know this hun does some questionable things but this takes the cake.


topic_name: Car insurance settlement (bodily injury) seems too high for actual bills?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r18ujv/car_insurance_settlement_bodily_injury_seems_too/
collected_at: 2026-02-12T00:05:44.256716+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r18ujv", "score": 11, "num_comments": 39, "created_utc": 1770748234.0, "selftext": "**TL/DR:**\n\nWe had a personal injury claim as a result of an auto accident, and after all medical bills are (seemingly) paid we have $42K left that insurance paid us.\n\n**Full Story:**\n\nWife was hit by another driver in January 2025. Vehicle was totaled. (Brand new, had it one hour and she was hit driving home from the dealer!)  Other driver was 100% at fault and there was no fighting over that. Both drivers had Progressive Insurance. The vehicle part was settled within 4 or 5 weeks with no issue", "sort": "hot", "upvote_ratio": 0.68, "author": "OldManTrumpet"}

selftext:
**TL/DR:**

We had a personal injury claim as a result of an auto accident, and after all medical bills are (seemingly) paid we have $42K left that insurance paid us.

**Full Story:**

Wife was hit by another driver in January 2025. Vehicle was totaled. (Brand new, had it one hour and she was hit driving home from the dealer!)  Other driver was 100% at fault and there was no fighting over that. Both drivers had Progressive Insurance. The vehicle part was settled within 4 or 5 weeks with no issue


topic_name: Getting dropped from home owners insurance at State Farm
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qcq5iy/getting_dropped_from_home_owners_insurance_at/
collected_at: 2026-02-12T00:05:47.658421+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qcq5iy", "score": 13, "num_comments": 62, "created_utc": 1768404410.0, "selftext": "I was just informed that I'm being dropped from my State Farm home owners coverage because of frequency of claims. In 21 I had a water issue in the upstairs of my house, in 23 I had hail, and in 25 I had a water issue in the basement. I talked to the local office to see if they can appeal it, but I feel like I should be shopping around anyway. \n\nWill these claims follow me to my next insurance company? Any other tips I should know about getting dropped and shopping around?\n\nThanks\n\nEdit: I've ta", "sort": "top", "upvote_ratio": 0.88, "author": "FlyingR6"}

selftext:
I was just informed that I'm being dropped from my State Farm home owners coverage because of frequency of claims. In 21 I had a water issue in the upstairs of my house, in 23 I had hail, and in 25 I had a water issue in the basement. I talked to the local office to see if they can appeal it, but I feel like I should be shopping around anyway. 

Will these claims follow me to my next insurance company? Any other tips I should know about getting dropped and shopping around?

Thanks

Edit: I've ta


topic_name: Forced Tipping
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1nzyxsv/forced_tipping/
collected_at: 2026-02-12T00:05:53.366382+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1nzyxsv", "score": 91, "num_comments": 7, "created_utc": 1759793294.0, "selftext": "This counter service restaurant pin pad pretends to force you to tip. The \"greyed out\" buttons, actually work though. They just look like they don't\n\nhttps://preview.redd.it/qcupeecysktf1.png?width=1362&amp;format=png&amp;auto=webp&amp;s=fcfb6d98be83f01f04b2e8d5fc1d5e9d08313421\n\n", "sort": "hot", "upvote_ratio": 0.96, "author": "cyberstormfox"}

selftext:
This counter service restaurant pin pad pretends to force you to tip. The "greyed out" buttons, actually work though. They just look like they don't

https://preview.redd.it/qcupeecysktf1.png?width=1362&amp;format=png&amp;auto=webp&amp;s=fcfb6d98be83f01f04b2e8d5fc1d5e9d08313421


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qx6oip/gym_wants_to_charge_me_50_as_a_final_fee_when/
collected_at: 2026-02-12T00:06:01.656985+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
Gym wants to charge me $50 as a final fee when canceling, thinking about just freezing my bank account to circumvent this. Thoughts?

metadata:
{"subreddit": "Frugal", "post_id": "1qx6oip", "score": 1015, "num_comments": 178, "created_utc": 1770348591.0, "selftext": "I\u2019m moving, so today I tried to cancel my local gym membership and when cancelling, they said that \u201cit\u2019s a 30 day notice for cancellation so it\u2019ll charge once more on the 10th.\u201d What?? I argued that makes zero sense, but it\u2019s their \u201cpolicy\u201d. Any way around this? I\u2019m thinking about just going to my bank and freezing my checking account so they can\u2019t charge my account, it\u2019s $50! I\u2019m going to need every dollar I can get for this move.\n\nThoughts? Is there any angle I\u2019m not seeing about this? I would", "sort": "hot", "upvote_ratio": 0.9, "author": "Matt_butchr"}

selftext:
I’m moving, so today I tried to cancel my local gym membership and when cancelling, they said that “it’s a 30 day notice for cancellation so it’ll charge once more on the 10th.” What?? I argued that makes zero sense, but it’s their “policy”. Any way around this? I’m thinking about just going to my bank and freezing my checking account so they can’t charge my account, it’s $50! I’m going to need every dollar I can get for this move.

Thoughts? Is there any angle I’m not seeing about this? I would


topic_name: I waited three days to buy a $9 thing and I think that says something about me
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qemicx/i_waited_three_days_to_buy_a_9_thing_and_i_think/
collected_at: 2026-02-12T00:06:05.044566+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qemicx", "score": 313, "num_comments": 40, "created_utc": 1768584907.0, "selftext": "Yesterday my phone charger started doing that thing where it only works if the cable is bent at a very specific angle and you don\u2019t breathe near it. I kept telling myself I\u2019d grab a new one tomorrow. Then tomorrow came and I didn\u2019t. Then the next day. I was still using it, holding it in place with a book like some kind of setup from 2008.\n\nThe stupid part is that I have money for this. I\u2019ve got some money saved up. Not endless, but enough that a $9 charger is not a real financial decision but my", "sort": "top", "upvote_ratio": 0.95, "author": "GreenAuspices"}

selftext:
Yesterday my phone charger started doing that thing where it only works if the cable is bent at a very specific angle and you don’t breathe near it. I kept telling myself I’d grab a new one tomorrow. Then tomorrow came and I didn’t. Then the next day. I was still using it, holding it in place with a book like some kind of setup from 2008.

The stupid part is that I have money for this. I’ve got some money saved up. Not endless, but enough that a $9 charger is not a real financial decision but my


topic_name: Sapphire Preferred Paired with Amex Gold
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r23y05/sapphire_preferred_paired_with_amex_gold/
collected_at: 2026-02-12T00:06:10.587944+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r23y05", "score": 0, "num_comments": 5, "created_utc": 1770831571.0, "selftext": " I currently have the gold card and use it for most purchases until it's not accepted... For these locations that Amex doesn't take, I'm looking toward a Sapphire Preferred. Anyone run this combo? Do you find a way to justify both AF's?", "sort": "hot", "upvote_ratio": 0.5, "author": "No-Worldliness9923"}

selftext:
 I currently have the gold card and use it for most purchases until it's not accepted... For these locations that Amex doesn't take, I'm looking toward a Sapphire Preferred. Anyone run this combo? Do you find a way to justify both AF's?


topic_name: The BofA Premium Rewards Elite Concierge is Amazing
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qrd5jc/the_bofa_premium_rewards_elite_concierge_is/
collected_at: 2026-02-12T00:06:13.782142+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qrd5jc", "score": 93, "num_comments": 27, "created_utc": 1769796668.0, "selftext": "Felt the need to post this because I don\u2019t think I\u2019ve ever had a service that is genuinely this good. It\u2019s to the point where I actually prefer booking flights through them.\n\n1st interaction: Flight booked through portal gets canceled and American Airlines tries to get cagey with the refund. The concierge follows up with them unprovoked by me 3 separate times before getting a full refund.\n\n2nd interaction: Flight isn\u2019t available on their portal so I call in to book that way. Flight also isn\u2019t av", "sort": "top", "upvote_ratio": 0.95, "author": "StageF1veClinger"}

selftext:
Felt the need to post this because I don’t think I’ve ever had a service that is genuinely this good. It’s to the point where I actually prefer booking flights through them.

1st interaction: Flight booked through portal gets canceled and American Airlines tries to get cagey with the refund. The concierge follows up with them unprovoked by me 3 separate times before getting a full refund.

2nd interaction: Flight isn’t available on their portal so I call in to book that way. Flight also isn’t av


topic_name: Is there a way to get someone's address from a license plate?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2cjd1/is_there_a_way_to_get_someones_address_from_a/
collected_at: 2026-02-12T00:06:18.920923+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2cjd1", "score": 0, "num_comments": 1, "created_utc": 1770850666.0, "selftext": "so a while ago I was the victim of a hit and run, so I need any advice on how to get the person's address to take them to court. My insurance isn't doing anything to help me since I have the cheapest one I could find. I already went to the police but they were completely useless even though I had their license plate number. \n\nLocation: Los Angeles ", "sort": "hot", "upvote_ratio": 0.5, "author": "ohyeah_that1dude"}

selftext:
so a while ago I was the victim of a hit and run, so I need any advice on how to get the person's address to take them to court. My insurance isn't doing anything to help me since I have the cheapest one I could find. I already went to the police but they were completely useless even though I had their license plate number. 

Location: Los Angeles 


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qc9mgi/how_is_a_habeas_corpus_lawsuit_an_option_to/
collected_at: 2026-02-12T00:06:22.356587+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
How is a Habeas Corpus lawsuit an option to release my wife, who has been pregnant for more than five months, has been detained by ICE for four months, and has no criminal history? How can I find a free or low-cost lawyer for this?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qc9mgi", "score": 865, "num_comments": 58, "created_utc": 1768353455.0, "selftext": "Hello,\nMy wife is an asylum seeker in the United States. She entered the U.S. legally through the southern border and applied for asylum in 2024. Her immigration court case was denied in November 2025, but the decision was timely appealed and the case is currently pending on appeal.\n\nDespite the appeal, she has been detained by ICE in Nevada for more than four months.\n\nThe most serious issue is that my wife is currently pregnant (over five months).\nWhile in detention:\n\nShe has not received regul", "sort": "top", "upvote_ratio": 0.93, "author": "bathansahn"}

selftext:
Hello,
My wife is an asylum seeker in the United States. She entered the U.S. legally through the southern border and applied for asylum in 2024. Her immigration court case was denied in November 2025, but the decision was timely appealed and the case is currently pending on appeal.

Despite the appeal, she has been detained by ICE in Nevada for more than four months.

The most serious issue is that my wife is currently pregnant (over five months).
While in detention:

She has not received regul


topic_name: LPT: Take screenshots and print your important reservations, tickets, and bookings.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1que46l/lpt_take_screenshots_and_print_your_important/
collected_at: 2026-02-12T00:06:28.286109+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1que46l", "score": 239, "num_comments": 23, "created_utc": 1770081636.0, "selftext": "Don\u2019t rely on having internet, a working app, or battery life. It can save you in airports, trains, and hotels", "sort": "hot", "upvote_ratio": 0.87, "author": "SofiaNightshade"}

selftext:
Don’t rely on having internet, a working app, or battery life. It can save you in airports, trains, and hotels


topic_name: LPT: wood glue is your friend when assembling cheap furniture
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qhhqrz/lpt_wood_glue_is_your_friend_when_assembling/
collected_at: 2026-02-12T00:06:31.302154+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qhhqrz", "score": 2025, "num_comments": 101, "created_utc": 1768859030.0, "selftext": "When buying wood shelves, desks, tables, etc. from a big box store, go ahead and purchase a bottle of wood glue while you are at it. \n\nApply a thin layer anywhere two pieces of wood meet on *both\" surfaces. Be sure to sand down any finished surface as best you can. \n\nIn the words of Laura Kampf: \n\n**Let. It. Dry.**\n\nYou'll be amazed at how much more durable the furniture will last, especially when most big box furniture is held together by various screws, nuts/bolts, and nails. All of that hardw", "sort": "top", "upvote_ratio": 0.96, "author": "RecordReviewer"}

selftext:
When buying wood shelves, desks, tables, etc. from a big box store, go ahead and purchase a bottle of wood glue while you are at it. 

Apply a thin layer anywhere two pieces of wood meet on *both" surfaces. Be sure to sand down any finished surface as best you can. 

In the words of Laura Kampf: 

**Let. It. Dry.**

You'll be amazed at how much more durable the furniture will last, especially when most big box furniture is held together by various screws, nuts/bolts, and nails. All of that hardw


topic_name: Just ordered my glerups with the leather soles and I cannot freaking wait to try them out!
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0rn0l/just_ordered_my_glerups_with_the_leather_soles/
collected_at: 2026-02-12T00:06:36.789730+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0rn0l", "score": 13, "num_comments": 16, "created_utc": 1770699344.0, "selftext": "I\u2019m a barefoot or socks in the house type of person and I\u2019d like to have slippers to keep my feet clean. We don\u2019t wear shoes in the apartment but it always feels dirty because of our pets despite vacuuming and mopping often. \n\nAfter much deliberation I\u2019ve decided on glerups! I tried oofos (too squishy, caused pain) and adidas shower slides (ridge between ball of foot and toes was uncomfortable). I will share an update when they come and another when I\u2019ve had them for a month or so.  I can\u2019t wait", "sort": "hot", "upvote_ratio": 0.68, "author": "bchappp"}

selftext:
I’m a barefoot or socks in the house type of person and I’d like to have slippers to keep my feet clean. We don’t wear shoes in the apartment but it always feels dirty because of our pets despite vacuuming and mopping often. 

After much deliberation I’ve decided on glerups! I tried oofos (too squishy, caused pain) and adidas shower slides (ridge between ball of foot and toes was uncomfortable). I will share an update when they come and another when I’ve had them for a month or so.  I can’t wait


topic_name: My BuyItForLife sandwich maker
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qnedc8/my_buyitforlife_sandwich_maker/
collected_at: 2026-02-12T00:06:40.492344+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qnedc8", "score": 574, "num_comments": 46, "created_utc": 1769429492.0, "selftext": "Made of cast iron. Original one comes with long handles. Not very stove stop friendly. So made some customization.", "sort": "top", "upvote_ratio": 0.97, "author": "No-Condition6974"}

selftext:
Made of cast iron. Original one comes with long handles. Not very stove stop friendly. So made some customization.


topic_name: Am I missing something, or is Roth IRA massively oversold?
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000091+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qpvtw9/am_i_missing_something_or_is_roth_ira_massively/

metadata:
{"subreddit": "financialindependence", "post_id": "1qpvtw9", "score": 0, "num_comments": 58, "created_utc": 1769653308.0, "selftext": "I\u2019m currently in the 22% federal tax bracket. From what I can tell, the core Roth argument seems to assume that everyone magically ends up in a higher tax bracket in retirement, which doesn\u2019t seem universally true.\n\nHere\u2019s my situation: \n\n\\- I expect to live more frugally in retirement (no childcare, no mortgage, minimal car payments, less mouths to feed)\n\n\\- My house will be paid off, which is currently \\~20\u201330% of my monthly expenses\n\n\\- Yes, discretionary spending may go up (travel, hobbies),", "sort": "hot", "upvote_ratio": 0.36, "author": "putnanpiglet"}

selftext:
I’m currently in the 22% federal tax bracket. From what I can tell, the core Roth argument seems to assume that everyone magically ends up in a higher tax bracket in retirement, which doesn’t seem universally true.

Here’s my situation: 

\- I expect to live more frugally in retirement (no childcare, no mortgage, minimal car payments, less mouths to feed)

\- My house will be paid off, which is currently \~20–30% of my monthly expenses

\- Yes, discretionary spending may go up (travel, hobbies),


topic_name: PHONE INFECTED WITH POP UPS!!! #brokenfix #education #smartphone #fix #problemfix #problem #broken
source: youtube
region: US
url: https://youtube.com/watch?v=qRIMzp8MT04
collected_at: 2026-02-12T00:04:31.072144
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "qRIMzp8MT04", "channel": "Digital Doctor ", "category": "Science & Technology", "category_id": 28, "views": "5135886", "view_count": 5135886, "likes": "430868", "published_at": "2026-01-28T04:01:42Z"}


topic_name: Green sky financing confusion
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r28lmb/green_sky_financing_confusion/
collected_at: 2026-02-12T00:04:41.814968+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r28lmb", "score": 0, "num_comments": 11, "created_utc": 1770841656.0, "selftext": "Okay it\u2019s fine if you think I am dumb just looking for some advice. I bought a house in 2023, and got roped into replacing the roof and siding through power home remodeling in February 2024. We are financing through Green Sky at 9.99% over 10 years. My paperwork I just looked up said Original loan amount was 56,000, finance charge 40,324 and total of payments: 96,324. What the hell did I agree to?? Can I refinance this? I\u2019m so confused and honestly embarrassed that I agreed to this loan. We are ", "sort": "hot", "upvote_ratio": 0.5, "author": "Garden_Good"}

selftext:
Okay it’s fine if you think I am dumb just looking for some advice. I bought a house in 2023, and got roped into replacing the roof and siding through power home remodeling in February 2024. We are financing through Green Sky at 9.99% over 10 years. My paperwork I just looked up said Original loan amount was 56,000, finance charge 40,324 and total of payments: 96,324. What the hell did I agree to?? Can I refinance this? I’m so confused and honestly embarrassed that I agreed to this loan. We are 


topic_name: Do I cancel the chargeback in response to merchant request?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qo94x8/do_i_cancel_the_chargeback_in_response_to/
collected_at: 2026-02-12T00:04:45.418253+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qo94x8", "score": 299, "num_comments": 109, "created_utc": 1769505818.0, "selftext": "For context, we bought a table costing \u00a3275 from what we deemed to be a reputable company. When the item arrived, it was of poor quality with damage to almost every component (chipped paintwork, scratched wood, deep dents on the legs etc) and even missing components and screw holes, making it impossible to assemble. \n\n  \nWe have spent several weeks going back and forth with customer service explaining the issue and asking for a refund. Their initial resolution was to replace the damaged parts. O", "sort": "top", "upvote_ratio": 0.88, "author": "LuckyImportance6227"}

selftext:
For context, we bought a table costing £275 from what we deemed to be a reputable company. When the item arrived, it was of poor quality with damage to almost every component (chipped paintwork, scratched wood, deep dents on the legs etc) and even missing components and screw holes, making it impossible to assemble. 

  
We have spent several weeks going back and forth with customer service explaining the issue and asking for a refund. Their initial resolution was to replace the damaged parts. O


topic_name: First Car Purchase - How do I negotiate?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0pwf3/first_car_purchase_how_do_i_negotiate/
collected_at: 2026-02-12T00:04:50.635790+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0pwf3", "score": 0, "num_comments": 6, "created_utc": 1770694293.0, "selftext": "Hey all, I am in the process of trying to buy a new (used) car. It will be my first car ever from a dealership. I have now emailed 3 dealerships, 2 of them told me they sold the car I was looking at already, I am talking with the third one and asked for an out the door price for their 2023 Civic Sports, which they provided me, I am sort of lost as to how to proceed with the price they gave me. The breakdown doesn't seem to include any add-ons besides doc fee, registration, and some other taxes. ", "sort": "hot", "upvote_ratio": 0.5, "author": "trashsushee"}

selftext:
Hey all, I am in the process of trying to buy a new (used) car. It will be my first car ever from a dealership. I have now emailed 3 dealerships, 2 of them told me they sold the car I was looking at already, I am talking with the third one and asked for an out the door price for their 2023 Civic Sports, which they provided me, I am sort of lost as to how to proceed with the price they gave me. The breakdown doesn't seem to include any add-ons besides doc fee, registration, and some other taxes. 


topic_name: I’m at one car this month. Can I get help understanding bulk orders?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qeed9r/im_at_one_car_this_month_can_i_get_help/
collected_at: 2026-02-12T00:04:53.860376+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qeed9r", "score": 20, "num_comments": 34, "created_utc": 1768565618.0, "selftext": "There\u2019s a guy on our floor that sleeps 24/7. Randomly wakes up and has 5-10 deals every 3-4 days. He always ends up selling 30+ a month. My question is what kinda companies can I call to see if they want vehicles in bulk. I\u2019m in Gwinnett county Georgia if that helps. Any advice is appreciated. Thanks. ", "sort": "top", "upvote_ratio": 0.68, "author": "JuJu_Optics"}

selftext:
There’s a guy on our floor that sleeps 24/7. Randomly wakes up and has 5-10 deals every 3-4 days. He always ends up selling 30+ a month. My question is what kinda companies can I call to see if they want vehicles in bulk. I’m in Gwinnett county Georgia if that helps. Any advice is appreciated. Thanks. 


topic_name: Budget friendly meals
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1h0qe/budget_friendly_meals/
collected_at: 2026-02-12T00:04:59.457553+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1h0qe", "score": 4, "num_comments": 13, "created_utc": 1770766400.0, "selftext": "Hi guys I have an $80 budget for meals for the next 2 weeks. It\u2019s just me that I\u2019m feeding so I was looking for some budget friendly meal options. I\u2019m autistic so I really don\u2019t mind eating the same thing multiple days in a row. I\u2019m going to make homemade chicken Alfredo. I have enough supplies in my cart that will make 3 pots. 1 pot usually lasts me 4-5 days which is literally amazing and that\u2019s 15 days right there but I was also wondering about other meals. I\u2019m going to make hamburger helper t", "sort": "hot", "upvote_ratio": 0.7, "author": "diamonddentist3"}

selftext:
Hi guys I have an $80 budget for meals for the next 2 weeks. It’s just me that I’m feeding so I was looking for some budget friendly meal options. I’m autistic so I really don’t mind eating the same thing multiple days in a row. I’m going to make homemade chicken Alfredo. I have enough supplies in my cart that will make 3 pots. 1 pot usually lasts me 4-5 days which is literally amazing and that’s 15 days right there but I was also wondering about other meals. I’m going to make hamburger helper t


topic_name: Is anyone else completely broke after paying rent?
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489289+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qs28dj/is_anyone_else_completely_broke_after_paying_rent/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qs28dj", "score": 862, "num_comments": 169, "created_utc": 1769865772.0, "selftext": "First of the month here again, just got paid and immediately had to give basically my whole paycheck to rent/utilities and whatever is left is going towards groceries and household essentials like paper towels, toilet paper, garbage bags, etc.\n\nI know it isn't uncommon but I'm always so envious of people who still have hundreds/thousands left over after paying bills. Must be nice, living paycheck to paycheck  sucks", "sort": "top", "upvote_ratio": 0.97, "author": "yourgirlalex"}

selftext:
First of the month here again, just got paid and immediately had to give basically my whole paycheck to rent/utilities and whatever is left is going towards groceries and household essentials like paper towels, toilet paper, garbage bags, etc.

I know it isn't uncommon but I'm always so envious of people who still have hundreds/thousands left over after paying bills. Must be nice, living paycheck to paycheck  sucks


topic_name: [UAE] Telegram task completion scam Dubai
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1t15l/uae_telegram_task_completion_scam_dubai/
collected_at: 2026-02-12T00:05:08.886759+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1t15l", "score": 0, "num_comments": 15, "created_utc": 1770802769.0, "selftext": "Just today I fell for telegram scam. Got added into group chats saying complete task, pay an amount, and get a profit. I was asked to send 2500 aed as a final payment to receive 5000+ aed. They received it and told me I exceeded the time needed to complete the task so I need to complete a new order and pay another fee and so on. My money is gone and I have nothing left. \n\nI filed for dispute to my bank in hopes to get some type of recovery but Im not sure it will work.\n\nPlease guys don\u2019t fall fo", "sort": "hot", "upvote_ratio": 0.25, "author": "Basic-Awareness7120"}

selftext:
Just today I fell for telegram scam. Got added into group chats saying complete task, pay an amount, and get a profit. I was asked to send 2500 aed as a final payment to receive 5000+ aed. They received it and told me I exceeded the time needed to complete the task so I need to complete a new order and pay another fee and so on. My money is gone and I have nothing left. 

I filed for dispute to my bank in hopes to get some type of recovery but Im not sure it will work.

Please guys don’t fall fo


topic_name: The "Bank Manager" Rental Scam in India: Two scammers used the exact same script 15 minutes apart!
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qvhhf7/the_bank_manager_rental_scam_in_india_two/
collected_at: 2026-02-12T00:05:12.358935+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qvhhf7", "score": 102, "num_comments": 8, "created_utc": 1770187805.0, "selftext": "I recently listed my 1BHK in Damoh, Madhya Pradesh, for rent on OLX at \u20b912,000/month. Within minutes, I was targeted by a very specific type of \"Government/Bank Employee\" rental scam.\n\nThe Script:\nI received a call from someone claiming to be a PNB Branch Manager in Gujarat. He claimed he was being transferred, didn't need to see the house, and offered to pay 6 months of rent in advance immediately just to \"book\" it.\n\nThe Glitch:\n15 minutes later, a second person called claiming to be the manage", "sort": "top", "upvote_ratio": 0.96, "author": "TimeLivid3451"}

selftext:
I recently listed my 1BHK in Damoh, Madhya Pradesh, for rent on OLX at ₹12,000/month. Within minutes, I was targeted by a very specific type of "Government/Bank Employee" rental scam.

The Script:
I received a call from someone claiming to be a PNB Branch Manager in Gujarat. He claimed he was being transferred, didn't need to see the house, and offered to pay 6 months of rent in advance immediately just to "book" it.

The Glitch:
15 minutes later, a second person called claiming to be the manage


topic_name: Viber now serves ads for keywords in private conversations
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1pp6ji4/viber_now_serves_ads_for_keywords_in_private/
collected_at: 2026-02-12T00:05:17.889833+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1pp6ji4", "score": 776, "num_comments": 51, "created_utc": 1766001848.0, "selftext": "For context: When anyone in conversation typed words \u201cCredit, Money, Bank\u201d, pop-up of one of the local banks showed up. This is peak asshole design of ads", "sort": "hot", "upvote_ratio": 0.95, "author": "DrakaMNE"}

selftext:
For context: When anyone in conversation typed words “Credit, Money, Bank”, pop-up of one of the local banks showed up. This is peak asshole design of ads


topic_name: Your reminder that when you fail at MLM, it's your fault, or the devils, but mostly your fault.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qwmzzc/your_reminder_that_when_you_fail_at_mlm_its_your/
collected_at: 2026-02-12T00:05:26.020556+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qwmzzc", "score": 117, "num_comments": 66, "created_utc": 1770302388.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "Willing_Chemical1257"}


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1m171/fire_from_my_property_caused_minor_damage_to/
collected_at: 2026-02-12T00:05:44.256719+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
Fire From My Property Caused Minor Damage To Neighbor's Well Pump - Replace, Quote, Insurance, Pound Sand?

metadata:
{"subreddit": "Insurance", "post_id": "1r1m171", "score": 2, "num_comments": 6, "created_utc": 1770779572.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "FoolMadeOfGold"}


topic_name: Is there a legitimate reason I'm getting kicked off my parents insurance even though I'm a minor?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qcmtbp/is_there_a_legitimate_reason_im_getting_kicked/
collected_at: 2026-02-12T00:05:47.658424+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qcmtbp", "score": 13, "num_comments": 8, "created_utc": 1768396084.0, "selftext": "This is the second time in the last like 6 months this has happened. Late last year I was kicked off of Medicaid for seemingly no reason. I was on my mom's plan and they just did it one day. She tried to look into it and they kicked her off too.  Went without it for a month until we got a new plan with FloridaBlue. At some point during this I ran out of my diabetic medication and they did not want to pay for it. I went around a month taking my dad's higher dose pills and cutting them in half to ", "sort": "top", "upvote_ratio": 0.76, "author": "NerdyVampireLady"}

selftext:
This is the second time in the last like 6 months this has happened. Late last year I was kicked off of Medicaid for seemingly no reason. I was on my mom's plan and they just did it one day. She tried to look into it and they kicked her off too.  Went without it for a month until we got a new plan with FloridaBlue. At some point during this I ran out of my diabetic medication and they did not want to pay for it. I went around a month taking my dad's higher dose pills and cutting them in half to 


topic_name: Condé Nasty and Wired Magazine are Maggots
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1nxafq5/condé_nasty_and_wired_magazine_are_maggots/
collected_at: 2026-02-12T00:05:53.366386+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1nxafq5", "score": 34, "num_comments": 4, "created_utc": 1759523745.0, "selftext": "I have been a print/digital subscriber to Wired magazine for 13 years. My subscription was coming up for renewal and I phoned them about pricing. They were going to renew my subscription at an extremely high price without my permission and they were very nasty about it. Fortunately, my financial information was on PayPal so I went into my account and stopped Conde Naste from being able to access my financial info for renewal. I feel sorry for subscribers who gave them their credit card informati", "sort": "hot", "upvote_ratio": 1.0, "author": "Fast-Lawfulness5694"}

selftext:
I have been a print/digital subscriber to Wired magazine for 13 years. My subscription was coming up for renewal and I phoned them about pricing. They were going to renew my subscription at an extremely high price without my permission and they were very nasty about it. Fortunately, my financial information was on PayPal so I went into my account and stopped Conde Naste from being able to access my financial info for renewal. I feel sorry for subscribers who gave them their credit card informati


topic_name: Is frozen produce really cheaper than fresh?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxzz8x/is_frozen_produce_really_cheaper_than_fresh/
collected_at: 2026-02-12T00:06:01.656989+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qxzz8x", "score": 17, "num_comments": 46, "created_utc": 1770426762.0, "selftext": "I eat mostly WFPB, the only animal products I use when I cook are farmer's market eggs and honey. I found out a few years ago that frozen produce can be better than fresh due to the fact that it's picked at peak ripeness and flash frozen, preserving the nutrients \u2014 on top of being much less at risk of spoiling or growing mold (in the case of berries) before use. But is it really true that the price is also cheaper than fresh produce at the grocery store? I pretty much buy all my produce at the f", "sort": "hot", "upvote_ratio": 0.61, "author": "kudzuwu"}

selftext:
I eat mostly WFPB, the only animal products I use when I cook are farmer's market eggs and honey. I found out a few years ago that frozen produce can be better than fresh due to the fact that it's picked at peak ripeness and flash frozen, preserving the nutrients — on top of being much less at risk of spoiling or growing mold (in the case of berries) before use. But is it really true that the price is also cheaper than fresh produce at the grocery store? I pretty much buy all my produce at the f


topic_name: Any frugal millionaires here? Now that you’ve earned it, are you still frugal?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qkxgqw/any_frugal_millionaires_here_now_that_youve/
collected_at: 2026-02-12T00:06:05.044570+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qkxgqw", "score": 312, "num_comments": 398, "created_utc": 1769190163.0, "selftext": "What habits did you have? What frugal things do you still do/ have that you don\u2019t have to? How old is your car, points on air travel, do you still thrift? Buy food on sale? Coupon? Buy in bulk? Did you have children, go to college, etc? So, I\u2019m trying to fill up space at this point, but what are your top three habits you can\u2019t seem to change? I\u2019m not sure why I need 300 characters. ", "sort": "top", "upvote_ratio": 0.83, "author": "cervezagram"}

selftext:
What habits did you have? What frugal things do you still do/ have that you don’t have to? How old is your car, points on air travel, do you still thrift? Buy food on sale? Coupon? Buy in bulk? Did you have children, go to college, etc? So, I’m trying to fill up space at this point, but what are your top three habits you can’t seem to change? I’m not sure why I need 300 characters. 


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r23a7v/can_an_authorized_user_for_one_of_my_citi_credit/
collected_at: 2026-02-12T00:06:10.587948+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
can an authorized user for one of my citi credit cards see the balance/information of my other citi cards?

metadata:
{"subreddit": "CreditCards", "post_id": "1r23a7v", "score": 0, "num_comments": 5, "created_utc": 1770830158.0, "selftext": "got a new citi card and put a family member as a authorized user for it. i have another one i'm slowly paying off a balance transfer and don't want them to see this. will they have access to the other credit cards information/balance in the app or just the one they are authorized for? thank you in advance ", "sort": "hot", "upvote_ratio": 0.5, "author": "Positive_Bed562"}

selftext:
got a new citi card and put a family member as a authorized user for it. i have another one i'm slowly paying off a balance transfer and don't want them to see this. will they have access to the other credit cards information/balance in the app or just the one they are authorized for? thank you in advance 


topic_name: Coolest looking cards you own/know of?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qqfb60/coolest_looking_cards_you_ownknow_of/
collected_at: 2026-02-12T00:06:13.782146+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qqfb60", "score": 94, "num_comments": 123, "created_utc": 1769708382.0, "selftext": "This is a shallow question but I am asking it anyway. What is the coolest looking card you've actually seen/used? I recently noticed more cards letting you customize the design or logo and was curious to know which are the best, thinking of getting one myself.", "sort": "top", "upvote_ratio": 0.95, "author": "Effective-Tap718"}

selftext:
This is a shallow question but I am asking it anyway. What is the coolest looking card you've actually seen/used? I recently noticed more cards letting you customize the design or logo and was curious to know which are the best, thinking of getting one myself.


topic_name: Location: Arizona. Wage garnishment
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2c581/location_arizona_wage_garnishment/
collected_at: 2026-02-12T00:06:18.920927+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2c581", "score": 1, "num_comments": 6, "created_utc": 1770849721.0, "selftext": "Location: Arizona hello my employer was told 8 days ago they need to garnish my wages. they have not given me any of my papers. HR is saying they need to take 50% of my monthly income (all my bills and rent is 60% of my income). from my understanding prop 209 limits to 10%? it's for a discover personal loan . HR is in a different state. \n\nI'm on a salary of 47,146 per year. my work is asking me to find the information about the 10% . I'm on a contract and will need to quit if it's 50% of my inco", "sort": "hot", "upvote_ratio": 1.0, "author": "itsmepeacher"}

selftext:
Location: Arizona hello my employer was told 8 days ago they need to garnish my wages. they have not given me any of my papers. HR is saying they need to take 50% of my monthly income (all my bills and rent is 60% of my income). from my understanding prop 209 limits to 10%? it's for a discover personal loan . HR is in a different state. 

I'm on a salary of 47,146 per year. my work is asking me to find the information about the 10% . I'm on a contract and will need to quit if it's 50% of my inco


topic_name: My mom is sueing me for defamation
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qxk39c/my_mom_is_sueing_me_for_defamation/
collected_at: 2026-02-12T00:06:22.356591+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qxk39c", "score": 856, "num_comments": 48, "created_utc": 1770390473.0, "selftext": "Location: New York City/LI. Age 25. Hi, my mom is sueing me for defamation. Her and I have been no contact for a while, I want nothing to do with her. I have not lived with her since I was 19, I moved out to escape her abuse. On Monday, my school posted a video on YouTube about my life story. In this video I spoke about overcoming abuse from my schizophrenic mother. There was a picture of me as a child in it with her holding me. This video was posted to inspire others, nothing malicious. Well, m", "sort": "top", "upvote_ratio": 0.94, "author": "thursdaynightcicadas"}

selftext:
Location: New York City/LI. Age 25. Hi, my mom is sueing me for defamation. Her and I have been no contact for a while, I want nothing to do with her. I have not lived with her since I was 19, I moved out to escape her abuse. On Monday, my school posted a video on YouTube about my life story. In this video I spoke about overcoming abuse from my schizophrenic mother. There was a picture of me as a child in it with her holding me. This video was posted to inspire others, nothing malicious. Well, m


topic_name: LPT: Find the word you’re looking for
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qtzi1d/lpt_find_the_word_youre_looking_for/
collected_at: 2026-02-12T00:06:28.286113+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qtzi1d", "score": 370, "num_comments": 30, "created_utc": 1770049172.0, "selftext": "In your head, slowly say the ABC\u2019s\n\nThe word or phrase you\u2019re thinking of will start with one of those letters obviously and the majority of the time it works for me when I reach the right letter and a light bulb goes off", "sort": "hot", "upvote_ratio": 0.91, "author": "Aalyce86"}

selftext:
In your head, slowly say the ABC’s

The word or phrase you’re thinking of will start with one of those letters obviously and the majority of the time it works for me when I reach the right letter and a light bulb goes off


topic_name: Comfy bras on a budget?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r17sq2/comfy_bras_on_a_budget/
collected_at: 2026-02-12T00:06:36.789733+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r17sq2", "score": 1, "num_comments": 13, "created_utc": 1770746012.0, "selftext": "I'm fully in my comfort-first phase but still trying not to overspend. I want something something soft, comfy, afforable, and something that will hold well for everyday use. Right now my top pick is harper wilde because it fits my budget and the quality looks good to me.\n\nHas anyone else tried that brand and what do you think about it? Also if you have other recommendations that I can check out, I'll highly appreciate it!", "sort": "hot", "upvote_ratio": 0.53, "author": "caterp1e"}

selftext:
I'm fully in my comfort-first phase but still trying not to overspend. I want something something soft, comfy, afforable, and something that will hold well for everyday use. Right now my top pick is harper wilde because it fits my budget and the quality looks good to me.

Has anyone else tried that brand and what do you think about it? Also if you have other recommendations that I can check out, I'll highly appreciate it!


topic_name: What happened to glass jars on blenders?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qpb5oy/what_happened_to_glass_jars_on_blenders/
collected_at: 2026-02-12T00:06:40.492349+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qpb5oy", "score": 553, "num_comments": 237, "created_utc": 1769606431.0, "selftext": "I just picked up a Vitamix A3500 to replace my failed Breville Ikon (no parts available) and was surprised that the jars are plastic. \n\nThese are not cheap devices, why are the jars not glass? (and why does an SS jar cost $250!!)", "sort": "top", "upvote_ratio": 0.94, "author": "Jay-Five"}

selftext:
I just picked up a Vitamix A3500 to replace my failed Breville Ikon (no parts available) and was surprised that the jars are plastic. 

These are not cheap devices, why are the jars not glass? (and why does an SS jar cost $250!!)


topic_name: It's skill. It's art. It's how the ice is prepared for Olympic curling! 🎨🥌
source: youtube
region: US
url: https://youtube.com/watch?v=NPVFybTDtDE
collected_at: 2026-02-12T00:04:30.766144
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "NPVFybTDtDE", "channel": "Olympics", "category": "Sports", "category_id": 17, "views": "5119725", "view_count": 5119725, "likes": "74172", "published_at": "2026-02-09T11:53:57Z"}


topic_name: Should I stick with this manager position or find a higher paying job?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814972+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r28l48/should_i_stick_with_this_manager_position_or_find/

metadata:
{"subreddit": "personalfinance", "post_id": "1r28l48", "score": 0, "num_comments": 5, "created_utc": 1770841629.0, "selftext": "Hey y'all I hope this is the right place to post,\n\nI (25m) moved to a bigger city hoping to get my start as a music engineer but I need to get myself off the ground first. I had a lot of trouble finding a job initially but I finally landed one in fast food. My boss is awesome, but the base pay is horrendous, so I knew it wouldn't pay my bills.\n\nI figured if I work toward becoming a manager I can gain experience in that field to put towards better jobs in the future and the raise I'm expected to ", "sort": "hot", "upvote_ratio": 0.5, "author": "RoutineCurrency4908"}

selftext:
Hey y'all I hope this is the right place to post,

I (25m) moved to a bigger city hoping to get my start as a music engineer but I need to get myself off the ground first. I had a lot of trouble finding a job initially but I finally landed one in fast food. My boss is awesome, but the base pay is horrendous, so I knew it wouldn't pay my bills.

I figured if I work toward becoming a manager I can gain experience in that field to put towards better jobs in the future and the raise I'm expected to 


topic_name: I want to file my sister as a dependent
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qptowf/i_want_to_file_my_sister_as_a_dependent/
collected_at: 2026-02-12T00:04:45.418258+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qptowf", "score": 291, "num_comments": 35, "created_utc": 1769647787.0, "selftext": "My sister has lived with me the past two years. I have paid for everything\u2026including school, lunch money, phone bill, housing, etc. I tried to sue my mother SAPCR but it was not successful since my mother is always gone and always on the move. In the end, I was informed I would have to hire a PI, which I don\u2019t have the funds for. I am 26 and have been taking care of my now 16 year old sister. \n\nI have been doing this on my own without any funds for her parents for the last 2 years. I would like ", "sort": "top", "upvote_ratio": 0.93, "author": "MillieMoo52"}

selftext:
My sister has lived with me the past two years. I have paid for everything…including school, lunch money, phone bill, housing, etc. I tried to sue my mother SAPCR but it was not successful since my mother is always gone and always on the move. In the end, I was informed I would have to hire a PI, which I don’t have the funds for. I am 26 and have been taking care of my now 16 year old sister. 

I have been doing this on my own without any funds for her parents for the last 2 years. I would like 


topic_name: 2000 infiniti i30 (V6)
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0p7ei/2000_infiniti_i30_v6/
collected_at: 2026-02-12T00:04:50.635794+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0p7ei", "score": 0, "num_comments": 3, "created_utc": 1770692421.0, "selftext": "As the title says, I am looking at getting that car from a private seller for $5k; it's at 91k miles. Everything looks to be in great condition, and I've researched the reliability and average mileage life expectancy on these cars. I did have my stepdad, who is a retired mechanic, take a look at it, and I'm going to test drive it tomorrow. I am just constantly paranoid I'm buying a lemon. Does anyone have any objections to these cars and/or anything I should know before buying?", "sort": "hot", "upvote_ratio": 0.5, "author": "sailorobsidian"}

selftext:
As the title says, I am looking at getting that car from a private seller for $5k; it's at 91k miles. Everything looks to be in great condition, and I've researched the reliability and average mileage life expectancy on these cars. I did have my stepdad, who is a retired mechanic, take a look at it, and I'm going to test drive it tomorrow. I am just constantly paranoid I'm buying a lemon. Does anyone have any objections to these cars and/or anything I should know before buying?


topic_name: Ensure You’re Charged Advertised Price!
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1e3gz/ensure_youre_charged_advertised_price/
collected_at: 2026-02-12T00:04:59.457562+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1e3gz", "score": 3, "num_comments": 4, "created_utc": 1770759588.0, "selftext": "This is now the second time I go to a big box store in person and they charge me more at checkout than what is advertised in store.\n\nI always do the math in my head and noticed a difference in the final sum before taxes. When I checked the receipt sure enough, they charged me ten cents more than what was advertised for one of the products I purchased. I went back, took a photo of the advertised price to guest services and got my ten cents back.\n\nThe wild thing is when I check the price online, i", "sort": "hot", "upvote_ratio": 0.62, "author": "thoughtsplurge"}

selftext:
This is now the second time I go to a big box store in person and they charge me more at checkout than what is advertised in store.

I always do the math in my head and noticed a difference in the final sum before taxes. When I checked the receipt sure enough, they charged me ten cents more than what was advertised for one of the products I purchased. I went back, took a photo of the advertised price to guest services and got my ten cents back.

The wild thing is when I check the price online, i


topic_name: it’s official, I no longer owe the IRS
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qkqxmy/its_official_i_no_longer_owe_the_irs/
collected_at: 2026-02-12T00:05:03.489292+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qkqxmy", "score": 862, "num_comments": 63, "created_utc": 1769175249.0, "selftext": "sorry if this doesn\u2019t apply. But I don\u2019t qualify for the debt free sub. Last year I started getting out of debt. In total I had over 23K including IRS back taxes. As of today, I no longer owe the IRS! I made them my bitch! ", "sort": "top", "upvote_ratio": 0.98, "author": "ElevateDezNuts"}

selftext:
sorry if this doesn’t apply. But I don’t qualify for the debt free sub. Last year I started getting out of debt. In total I had over 23K including IRS back taxes. As of today, I no longer owe the IRS! I made them my bitch! 


topic_name: [US] My papaw is being scammed and I don’t know what to do
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1ojae/us_my_papaw_is_being_scammed_and_i_dont_know_what/
collected_at: 2026-02-12T00:05:08.886763+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1ojae", "score": 0, "num_comments": 16, "created_utc": 1770786873.0, "selftext": "For context my mema died in 2024 and since then my papaw hasnt been the same since. They were best friends and it totally broke him.\n\nIn early 2025 he met a lady on Facebook claiming that she lost her husband as well. And they quickly started talking. She\u2019s a young lady maybe a few years younger than my mom. At first, it was just talking and then they later got romantic. It made me my mom very uncomfortable, but we couldn\u2019t talk him out of it.\n\nFast forward to now she\u2019s using him for money. I\u2019ve", "sort": "hot", "upvote_ratio": 0.36, "author": "Mean_Landscape_7721"}

selftext:
For context my mema died in 2024 and since then my papaw hasnt been the same since. They were best friends and it totally broke him.

In early 2025 he met a lady on Facebook claiming that she lost her husband as well. And they quickly started talking. She’s a young lady maybe a few years younger than my mom. At first, it was just talking and then they later got romantic. It made me my mom very uncomfortable, but we couldn’t talk him out of it.

Fast forward to now she’s using him for money. I’ve


topic_name: New Apple Card / Apple ID Fraud Scam - Extremely Convincing (US market)
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qj3bk4/new_apple_card_apple_id_fraud_scam_extremely/
collected_at: 2026-02-12T00:05:12.358939+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qj3bk4", "score": 106, "num_comments": 37, "created_utc": 1769014560.0, "selftext": "Sharing a recent scam that nearly worked because of how well-orchestrated it was.\n\nMy mother had a fraudulent Papa John\u2019s charge hit her Apple Card. She reported it inside Apple Wallet like you\u2019re supposed to. Within minutes, she got a voicemail claiming to be Apple / Goldman Sachs fraud prevention.\n\nCaller knew:\n\n* Her full name\n* Exact fraudulent charge amount\n* Claimed a second \u201clive\u201d Apple Store transaction\n\nThe timing made it feel legitimate.\n\nHe said:\n\n* Another iPhone was already linked t", "sort": "top", "upvote_ratio": 0.97, "author": "BeantownBrewing"}

selftext:
Sharing a recent scam that nearly worked because of how well-orchestrated it was.

My mother had a fraudulent Papa John’s charge hit her Apple Card. She reported it inside Apple Wallet like you’re supposed to. Within minutes, she got a voicemail claiming to be Apple / Goldman Sachs fraud prevention.

Caller knew:

* Her full name
* Exact fraudulent charge amount
* Claimed a second “live” Apple Store transaction

The timing made it feel legitimate.

He said:

* Another iPhone was already linked t


topic_name: I canceled my account immediately after getting this email.
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889837+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1pkvzdu/i_canceled_my_account_immediately_after_getting/

metadata:
{"subreddit": "assholedesign", "post_id": "1pkvzdu", "score": 9143, "num_comments": 185, "created_utc": 1765556317.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "edhuge"}


topic_name: "D" magazine story on Mary Kay Lawsuit with GREAT financial news!
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qwnu9g/d_magazine_story_on_mary_kay_lawsuit_with_great/
collected_at: 2026-02-12T00:05:26.020560+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qwnu9g", "score": 93, "num_comments": 5, "created_utc": 1770304345.0, "selftext": "[https://www.dmagazine.com/business-economy/2026/02/mary-kay-ashs-son-and-grandson-locked-in-legal-battle-for-future-of-t/](https://www.dmagazine.com/business-economy/2026/02/mary-kay-ashs-son-and-grandson-locked-in-legal-battle-for-future-of-t/)\n\n&gt;Richard says that the first half of 2025 showed **net sales** of $707 million, which is **on pace to be 30 percent lower than the firm\u2019s $2.08 billion in sales in 2021.**\n\n&gt;He explains how the company has gone from a $51 million comprehensive in", "sort": "hot", "upvote_ratio": 0.99, "author": "TsuDhoNimh2"}

selftext:
[https://www.dmagazine.com/business-economy/2026/02/mary-kay-ashs-son-and-grandson-locked-in-legal-battle-for-future-of-t/](https://www.dmagazine.com/business-economy/2026/02/mary-kay-ashs-son-and-grandson-locked-in-legal-battle-for-future-of-t/)

&gt;Richard says that the first half of 2025 showed **net sales** of $707 million, which is **on pace to be 30 percent lower than the firm’s $2.08 billion in sales in 2021.**

&gt;He explains how the company has gone from a $51 million comprehensive in


topic_name: Well, that's one thing you've been successful with.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qc33xs/well_thats_one_thing_youve_been_successful_with/
collected_at: 2026-02-12T00:05:30.135166+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qc33xs", "score": 147, "num_comments": 46, "created_utc": 1768337821.0, "selftext": "", "sort": "top", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: 2 accidents 2 days in a row
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1q6xs/2_accidents_2_days_in_a_row/
collected_at: 2026-02-12T00:05:44.256723+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1q6xs", "score": 1, "num_comments": 9, "created_utc": 1770792308.0, "selftext": "hey there everyone this is my first post in reddit im trying to get an idea what would be the best move right now, this weekend me (driver) and my wife were rear ended right in front of a red light, the guy accept he was at fault and we call the cops, no major issue, i called my insurance and filled a claim, now, a day after, my wife took my car and went to school, on her way somebody rear ended her, same spot, the thing is my wife is not listed in my policy, she wasnt at fault but the party at ", "sort": "hot", "upvote_ratio": 0.6, "author": "elOkto"}

selftext:
hey there everyone this is my first post in reddit im trying to get an idea what would be the best move right now, this weekend me (driver) and my wife were rear ended right in front of a red light, the guy accept he was at fault and we call the cops, no major issue, i called my insurance and filled a claim, now, a day after, my wife took my car and went to school, on her way somebody rear ended her, same spot, the thing is my wife is not listed in my policy, she wasnt at fault but the party at 


topic_name: America’s health care system is terrible
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qy34pi/americas_health_care_system_is_terrible/
collected_at: 2026-02-12T00:05:47.658428+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qy34pi", "score": 14, "num_comments": 64, "created_utc": 1770435476.0, "selftext": "My gf needs tooth care and she can\u2019t really afford it and neither can I. I have insurance though but like I cannot have her use it without proof of cohabitation and we don\u2019t live together. I feel terrible that she does not have the help she needs but like why is that I can\u2019t use the insurance that my job pays monthly and let someone get the care they need. Especially since I\u2019m not even going to the dentist. Won\u2019t the dentist make money still since I\u2019m not even using it like that. \n\nAm I crazy to", "sort": "top", "upvote_ratio": 0.58, "author": "GlitteringQuote1359"}

selftext:
My gf needs tooth care and she can’t really afford it and neither can I. I have insurance though but like I cannot have her use it without proof of cohabitation and we don’t live together. I feel terrible that she does not have the help she needs but like why is that I can’t use the insurance that my job pays monthly and let someone get the care they need. Especially since I’m not even going to the dentist. Won’t the dentist make money still since I’m not even using it like that. 

Am I crazy to


source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1nvbf46/swiggy_dinecash_the_new_cred_coin_earn_10_of/
collected_at: 2026-02-12T00:05:53.366390+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
topic_name:
Swiggy DineCash: The new Cred Coin - Earn 10% of every bill, redeemable upto 5% of the bill value. But it expires, so you better dine more frequently 💀

metadata:
{"subreddit": "darkpatterns", "post_id": "1nvbf46", "score": 5, "num_comments": 0, "created_utc": 1759332702.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.67, "author": "LatterOne9009"}


