# trend_items

topic_name: PA Rental Law: Does "55-mile radius" mean driving distance or straight line distance?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r28eaj/pa_rental_law_does_55mile_radius_mean_driving/
collected_at: 2026-02-12T00:06:18.921039+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r28eaj", "score": 1, "num_comments": 2, "created_utc": 1770841198.0, "selftext": "Hello I am a (18yr) In Location: PA (Pennsylvania) helping my parents with their rental property cause they don't want to do it?? have a nuance question and thought this sub would receive it well, like a puzzle but with jail time and fines as a possible punishment. So I have a rental property that might need appointed a manager and this is the legal wording from the .gov site.   \n  \n\"SECTION 2. APPOINTMENT OF AN AGENT AND/OR MANAGER\n\nEach Owner who is not an Owner-occupant, or who does not resid", "sort": "hot", "upvote_ratio": 0.99, "author": "Read-A-Book23"}

selftext:
Hello I am a (18yr) In Location: PA (Pennsylvania) helping my parents with their rental property cause they don't want to do it?? have a nuance question and thought this sub would receive it well, like a puzzle but with jail time and fines as a possible punishment. So I have a rental property that might need appointed a manager and this is the legal wording from the .gov site.   
  
"SECTION 2. APPOINTMENT OF AN AGENT AND/OR MANAGER

Each Owner who is not an Owner-occupant, or who does not resid


topic_name: Mother is threatening to fail me for no reason to stop me from going to college (Homeschooled).
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356702+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qpsvnw/mother_is_threatening_to_fail_me_for_no_reason_to/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qpsvnw", "score": 514, "num_comments": 73, "created_utc": 1769645760.0, "selftext": "18 NB. Location: Georgia, USA. Throwaway account for safety.\n\nI have a longer post about this issue [here. ](https://www.reddit.com/r/HomeschoolRecovery/comments/1qps6ck/mother_is_threatening_to_fail_me_for_no_reason_to/)\n\nTo make a long story short, my parents and I do not get along, I would go so far as to call them emotionally abusive. (Not to mention transphobic, they did not take me coming out well.) I was pulled from my public school about 4 months ago by my parents and forced to homeschoo", "sort": "top", "upvote_ratio": 0.93, "author": "Virtual-Row7075"}

selftext:
18 NB. Location: Georgia, USA. Throwaway account for safety.

I have a longer post about this issue [here. ](https://www.reddit.com/r/HomeschoolRecovery/comments/1qps6ck/mother_is_threatening_to_fail_me_for_no_reason_to/)

To make a long story short, my parents and I do not get along, I would go so far as to call them emotionally abusive. (Not to mention transphobic, they did not take me coming out well.) I was pulled from my public school about 4 months ago by my parents and forced to homeschoo


topic_name: LPT Always check app publishers website for cheaper subscription options
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qq095v/lpt_always_check_app_publishers_website_for/
collected_at: 2026-02-12T00:06:28.286214+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qq095v", "score": 58, "num_comments": 7, "created_utc": 1769665724.0, "selftext": "All appstores take a huge cut and many developers offer a much cheaper plan directly from their websites.   NEVER buy immediately from appstores as they are most likely overcharging you to offset appstore fees.  Apple users are main targets because Apple knows you'll pay.  The savings are huge 30%+.\n\n", "sort": "hot", "upvote_ratio": 0.88, "author": "slick2hold"}

selftext:
All appstores take a huge cut and many developers offer a much cheaper plan directly from their websites.   NEVER buy immediately from appstores as they are most likely overcharging you to offset appstore fees.  Apple users are main targets because Apple knows you'll pay.  The savings are huge 30%+.


topic_name: Hestan Nanobond Cookware
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qzh69i/hestan_nanobond_cookware/
collected_at: 2026-02-12T00:06:36.789835+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzh69i", "score": 82, "num_comments": 17, "created_utc": 1770576544.0, "selftext": "I have been cooking in Hestan Nanobond pretty much daily since 2020. They have truly sealed rims, so they can be thrown in the dishwasher without a care in the world. I have burnt stuff into them, cooked countless meals in them, and moved with them... and only periodicly used Hestan's Nanobond cleaner or Barkeeper's Friend (BKF) or Soft Scrub or Bon Ami to polish them up.\n\nYes, they are very expensive luxury cookware but I do find the sealed rims, flat rivets, and Nanobond surface worth it to me", "sort": "hot", "upvote_ratio": 0.94, "author": "paasaaplease"}

selftext:
I have been cooking in Hestan Nanobond pretty much daily since 2020. They have truly sealed rims, so they can be thrown in the dishwasher without a care in the world. I have burnt stuff into them, cooked countless meals in them, and moved with them... and only periodicly used Hestan's Nanobond cleaner or Barkeeper's Friend (BKF) or Soft Scrub or Bon Ami to polish them up.

Yes, they are very expensive luxury cookware but I do find the sealed rims, flat rivets, and Nanobond surface worth it to me


topic_name: Food mixer I inherited from my mum circa 1970’s
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qfz6h3/food_mixer_i_inherited_from_my_mum_circa_1970s/
collected_at: 2026-02-12T00:06:40.492477+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qfz6h3", "score": 277, "num_comments": 6, "created_utc": 1768711513.0, "selftext": "I\u2019ve had this mixer for 15 years, used for countless cakes. Today, after an almost 60 year run, I\u2019m retiring it. You will be missed \ud83e\udd72", "sort": "top", "upvote_ratio": 0.98, "author": "Luckyfox420"}

selftext:
I’ve had this mixer for 15 years, used for countless cakes. Today, after an almost 60 year run, I’m retiring it. You will be missed 🥲


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397334+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
How do archaeological discoveries like ancient footprints rewrite our understanding of human migration and settlement patterns, and what are the implications for our knowledge of human history?

metadata:
{"original_headline": "Footprints found in a US desert rewrite the timeline of human arrival in the Americas - Earth.com", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: A silent but deadly battle! #shorts
source: youtube
region: US
url: https://youtube.com/watch?v=JV2qNM_fDBM
collected_at: 2026-02-12T00:04:30.534674
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "JV2qNM_fDBM", "channel": "GTA Krishna ", "category": "Entertainment", "category_id": 24, "views": "3412894", "view_count": 3412894, "likes": "334161", "published_at": "2026-02-10T10:15:12Z"}


topic_name: Credit usage question
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r23ha6/credit_usage_question/
collected_at: 2026-02-12T00:04:41.815081+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r23ha6", "score": 1, "num_comments": 6, "created_utc": 1770830582.0, "selftext": "Hey guys I am currently working on consolidating my debt and have been rejected from a balance transfer recently. I checked my credit report and I have a 670 (went down from 770 a year ago) because of credit utilization is at 96%. Under this debt it is showing my mom\u2019s car loan I co-signed on a couple of years ago. I spoke with my mom and she is okay with taking me off the loan and got the bank to approve it if I decide to get taken off the loan. Will getting taken off this loan improve my curre", "sort": "hot", "upvote_ratio": 1.0, "author": "Localbimb0"}

selftext:
Hey guys I am currently working on consolidating my debt and have been rejected from a balance transfer recently. I checked my credit report and I have a 670 (went down from 770 a year ago) because of credit utilization is at 96%. Under this debt it is showing my mom’s car loan I co-signed on a couple of years ago. I spoke with my mom and she is okay with taking me off the loan and got the bank to approve it if I decide to get taken off the loan. Will getting taken off this loan improve my curre


topic_name: When they say "save 15% for retirement" do they mean...?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418354+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qt3s89/when_they_say_save_15_for_retirement_do_they_mean/

metadata:
{"subreddit": "personalfinance", "post_id": "1qt3s89", "score": 199, "num_comments": 100, "created_utc": 1769965047.0, "selftext": "... exclusive of employer contributions? For example, my employer puts 3% of my salary towards my 401k (no match). If my withholding for 401k is set to 12%, am I hitting that recommended 15%? \nI'm having trouble right now comfortably meeting that 15% guideline, but I could mentally relax a bit if I knew that 12+3% was sufficient.\n\nFollow up question: what standard of living should generally be expected when following the 15% guideline? Like is that the recommendation because it's exactly enough ", "sort": "top", "upvote_ratio": 0.78, "author": "Wr1thm"}

selftext:
... exclusive of employer contributions? For example, my employer puts 3% of my salary towards my 401k (no match). If my withholding for 401k is set to 12%, am I hitting that recommended 15%? 
I'm having trouble right now comfortably meeting that 15% guideline, but I could mentally relax a bit if I knew that 12+3% was sufficient.

Follow up question: what standard of living should generally be expected when following the 15% guideline? Like is that the recommendation because it's exactly enough 


topic_name: 2022 Ram 1500 5.7L HEMI V8
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzimn8/2022_ram_1500_57l_hemi_v8/
collected_at: 2026-02-12T00:04:50.635899+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzimn8", "score": 1, "num_comments": 4, "created_utc": 1770579745.0, "selftext": "I\u2019ve currently have a 2018 Silverado 1500. Got it with 70k miles and it\u2019s at 115k now in 2 years. The amount of money I\u2019ve put into it is beyond me. New belts, new radiator, multiple thermostats and sensors, brakes, new belts again, and my water pump just went out. I can\u2019t take it anymore and it\u2019s pushed me away from Silverado\u2019s.\n\nHow do you guys like Rams? I need something reliable because I drive a lot for work. Anything I should consider when looking to buy? I\u2019m trying to find a newer one in ", "sort": "hot", "upvote_ratio": 0.6, "author": "itz_nibs"}

selftext:
I’ve currently have a 2018 Silverado 1500. Got it with 70k miles and it’s at 115k now in 2 years. The amount of money I’ve put into it is beyond me. New belts, new radiator, multiple thermostats and sensors, brakes, new belts again, and my water pump just went out. I can’t take it anymore and it’s pushed me away from Silverado’s.

How do you guys like Rams? I need something reliable because I drive a lot for work. Anything I should consider when looking to buy? I’m trying to find a newer one in 


topic_name: How many hours a week do you work in car sales
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qgvswi/how_many_hours_a_week_do_you_work_in_car_sales/
collected_at: 2026-02-12T00:04:53.860488+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qgvswi", "score": 9, "num_comments": 66, "created_utc": 1768801367.0, "selftext": "I work in the car sales industry and my schedule is Monday to Friday 10 to 7 and Saturday 11 to 5. It feels like a lot of hours some weeks but I wanted to compare with others in the industry.", "sort": "top", "upvote_ratio": 0.8, "author": "moneytalk71"}

selftext:
I work in the car sales industry and my schedule is Monday to Friday 10 to 7 and Saturday 11 to 5. It feels like a lot of hours some weeks but I wanted to compare with others in the industry.


source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457665+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
What's a small way to navigate poverty that you figured out accidentally and wish more people knew about.

url:
https://reddit.com/r/povertyfinance/comments/1qzp9aq/whats_a_small_way_to_navigate_poverty_that_you/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qzp9aq", "score": 511, "num_comments": 88, "created_utc": 1770595854.0, "selftext": "Mine is figuring out when to get a 30 day supplies vs. 90 day supplies of meds on Medicaid. I'm disabled and figured this out accidentally because of my illnesses. I had a couple of meds I was getting on a 90 day supply. That was the cheapest when I was cash pay, but then they were all covered under Medicaid. My medications get refilled five days before the supply is up. I was really worried at one point that I might lose my Medicaid at some point in the future (several months away). I realized ", "sort": "hot", "upvote_ratio": 0.97, "author": "Fit-Combination-6211"}

selftext:
Mine is figuring out when to get a 30 day supplies vs. 90 day supplies of meds on Medicaid. I'm disabled and figured this out accidentally because of my illnesses. I had a couple of meds I was getting on a 90 day supply. That was the cheapest when I was cash pay, but then they were all covered under Medicaid. My medications get refilled five days before the supply is up. I was really worried at one point that I might lose my Medicaid at some point in the future (several months away). I realized 


topic_name: The amount of spam calls and texts I receive in one day
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0mstt/the_amount_of_spam_calls_and_texts_i_receive_in/
collected_at: 2026-02-12T00:05:08.886872+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0mstt", "score": 6, "num_comments": 4, "created_utc": 1770686052.0, "selftext": "For some context, I am on the do not call registry. However, these scam calls and texts got \"permission\" to call me, because a ~50 year old disabled women recently confused her TextNow number for my phone number, and signed up for a legitimate shit ton of spams online. Now I get nonstop scam calls. No idea how to even stop this many calls especially since my number is signed up to receive most of them. Also, all of those calls are scammed, even the named ones as they're just spoofing ", "sort": "hot", "upvote_ratio": 0.72, "author": "msimms001"}

selftext:
For some context, I am on the do not call registry. However, these scam calls and texts got "permission" to call me, because a ~50 year old disabled women recently confused her TextNow number for my phone number, and signed up for a legitimate shit ton of spams online. Now I get nonstop scam calls. No idea how to even stop this many calls especially since my number is signed up to receive most of them. Also, all of those calls are scammed, even the named ones as they're just spoofing 


topic_name: [US] Contacted about a “child safety kit” they claim I requested, I don’t recall signing up
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qvwor7/us_contacted_about_a_child_safety_kit_they_claim/
collected_at: 2026-02-12T00:05:12.359035+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qvwor7", "score": 55, "num_comments": 16, "created_utc": 1770229975.0, "selftext": "\\[Update\\]: Thanks everyone, I got ahold of them and let them know that I\u2019m not interested in following through with the zoom call. They ignored my email &amp; message and sent me the link to the call anyways\ud83d\ude05\n\nI\u2019m 20, recently had my first baby, and got a call from someone claiming to be with National Income Life Insurance about a child safety kit for amber alerts. They called from my local area code, said I specifically requested it, and even had me scheduled for a zoom call.\n\nThe thing is, I ", "sort": "top", "upvote_ratio": 0.95, "author": "Isoldmykidforagram"}

selftext:
\[Update\]: Thanks everyone, I got ahold of them and let them know that I’m not interested in following through with the zoom call. They ignored my email &amp; message and sent me the link to the call anyways😅

I’m 20, recently had my first baby, and got a call from someone claiming to be with National Income Life Insurance about a child safety kit for amber alerts. They called from my local area code, said I specifically requested it, and even had me scheduled for a zoom call.

The thing is, I 


topic_name: Popeyes doesn’t let you use your entire gift card balance
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889933+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1oql35o/popeyes_doesnt_let_you_use_your_entire_gift_card/

metadata:
{"subreddit": "assholedesign", "post_id": "1oql35o", "score": 9018, "num_comments": 240, "created_utc": 1762490091.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "chibistarship"}


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qtn1vq/boyfriend_has_applied_to_this_job_listing_is_this/
collected_at: 2026-02-12T00:05:26.020656+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
Boyfriend has applied to this job listing. Is this a MLM? Coming from someone who left a devil corp 6 months ago

metadata:
{"subreddit": "antiMLM", "post_id": "1qtn1vq", "score": 115, "num_comments": 37, "created_utc": 1770012212.0, "selftext": "So he applied to this company on Thursday and he got a call back Friday to have a over the phone interview and Tonight got a call back today to confirm the interview, and while having dinner around 8pm got a text for expectations on what to wear to the interview. I'm just posting because 6 months ago I left a devil corp and want to make sure he's not going into something similar. Has anyone worked for them or know anymore information on this company and if they're a MLM?", "sort": "hot", "upvote_ratio": 0.96, "author": "wowzerz_101"}

selftext:
So he applied to this company on Thursday and he got a call back Friday to have a over the phone interview and Tonight got a call back today to confirm the interview, and while having dinner around 8pm got a text for expectations on what to wear to the interview. I'm just posting because 6 months ago I left a devil corp and want to make sure he's not going into something similar. Has anyone worked for them or know anymore information on this company and if they're a MLM?


topic_name: "Top Amway Leaders Apologize for Scamming after 45 Years" (😒)
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qoeh8i/top_amway_leaders_apologize_for_scamming_after_45/
collected_at: 2026-02-12T00:05:30.135229+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qoeh8i", "score": 81, "num_comments": 8, "created_utc": 1769522110.0, "selftext": "Y'all.  Get a load of this BS.\n\nI ran across this video 3-4 days ago, and at the time it was 10 days old.  I searched the sub and I don't think it was posted.  Forgive me if so!  I have the YouTube link so I can post it if needed but you can search the title and it should pop right up.\n\nThis video really ticked me off royally.  They APOLOGIZED???  *Woooooooowwwwww*.  \ud83d\udc4f\ud83c\udffb\ud83d\ude44\n\nSo what they're saying is they're sorry for LITERALLY EVERYTHING they taught us.  The whole thing was L.W./LTD's *entire scht", "sort": "top", "upvote_ratio": 0.96, "author": "Phenomenal_Kat_"}

selftext:
Y'all.  Get a load of this BS.

I ran across this video 3-4 days ago, and at the time it was 10 days old.  I searched the sub and I don't think it was posted.  Forgive me if so!  I have the YouTube link so I can post it if needed but you can search the title and it should pop right up.

This video really ticked me off royally.  They APOLOGIZED???  *Woooooooowwwwww*.  👏🏻🙄

So what they're saying is they're sorry for LITERALLY EVERYTHING they taught us.  The whole thing was L.W./LTD's *entire scht


topic_name: Commercial Auto Insurance - Need Help
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r13i6p/commercial_auto_insurance_need_help/
collected_at: 2026-02-12T00:05:44.256826+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r13i6p", "score": 5, "num_comments": 12, "created_utc": 1770736688.0, "selftext": "I have a pool service business with approx 57 vehicles. We use a commercial insurance broker and it seems that CNA is the only game in town. We've had losses, some decent. Our premium has gone from about $100k in 2021 to about $300k for 2026, with the same number of vehicles. State farm has declined to quote it. Our broker is talking about a captive that we might qualify for but it hasn't happened yet.\n\nWhat are my options? I worry that CNA might just go up and up, or even worse decline to cover", "sort": "hot", "upvote_ratio": 1.0, "author": "MattoD61"}

selftext:
I have a pool service business with approx 57 vehicles. We use a commercial insurance broker and it seems that CNA is the only game in town. We've had losses, some decent. Our premium has gone from about $100k in 2021 to about $300k for 2026, with the same number of vehicles. State farm has declined to quote it. Our broker is talking about a captive that we might qualify for but it hasn't happened yet.

What are my options? I worry that CNA might just go up and up, or even worse decline to cover


topic_name: Can't decline scam calls—possible dark pattern?
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1k1h0zq/cant_decline_scam_callspossible_dark_pattern/
collected_at: 2026-02-12T00:05:53.366483+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1k1h0zq", "score": 0, "num_comments": 7, "created_utc": 1744907218.0, "selftext": "Today I received a call labeled \"potential spam\" via Wi-Fi calling on my Pixel Pro (fully updated). Oddly, while my phone was locked, I had no option to decline the call\u2014only answer. Curious (and annoyed), I called back afterward and confirmed it was clearly an AI-driven scam (fake police support).\n\nHere's what's troubling: When I checked settings, my Phone app notifications were completely disabled\u2014and locked. Critical toggles like \"Incoming calls,\" \"Missed calls,\" and \"Pop on screen\" were gray", "sort": "hot", "upvote_ratio": 0.39, "author": "Salt-Preparation-407"}

selftext:
Today I received a call labeled "potential spam" via Wi-Fi calling on my Pixel Pro (fully updated). Oddly, while my phone was locked, I had no option to decline the call—only answer. Curious (and annoyed), I called back afterward and confirmed it was clearly an AI-driven scam (fake police support).

Here's what's troubling: When I checked settings, my Phone app notifications were completely disabled—and locked. Critical toggles like "Incoming calls," "Missed calls," and "Pop on screen" were gray


topic_name: I feel immense guilt whenever I spend on luxuries my friends can't afford.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qwfp7f/i_feel_immense_guilt_whenever_i_spend_on_luxuries/
collected_at: 2026-02-12T00:06:01.657094+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qwfp7f", "score": 0, "num_comments": 41, "created_utc": 1770279572.0, "selftext": "Hi, I'm new here! I wasn't sure what to flair this, but I thought travel would be the most appropriate since I'll talk about taking trips.\n\nI'm turning 33 this month, have a somewhat stable income and have been able to put away roughly 30\\~40% of my pre-tax earnings into savings and investments for the last 7 years, with the exception of last year, when I struggled to get enough work for a few months for reasons outside of my control.\n\nI am, however, friends with primarily people in their early-", "sort": "hot", "upvote_ratio": 0.42, "author": "Master_Net1846"}

selftext:
Hi, I'm new here! I wasn't sure what to flair this, but I thought travel would be the most appropriate since I'll talk about taking trips.

I'm turning 33 this month, have a somewhat stable income and have been able to put away roughly 30\~40% of my pre-tax earnings into savings and investments for the last 7 years, with the exception of last year, when I struggled to get enough work for a few months for reasons outside of my control.

I am, however, friends with primarily people in their early-


topic_name: Need advice from frugal parents for daily snacks for the kids
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qke98p/need_advice_from_frugal_parents_for_daily_snacks/
collected_at: 2026-02-12T00:06:05.044659+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qke98p", "score": 195, "num_comments": 292, "created_utc": 1769134698.0, "selftext": "Hi. I'm a single dad with two kids and just had to buy a new car unexpectedly. I'm looking at how to reduce food costs and could use some advice, aside from food pantries. We have one in our neighborhood, but I don't think we're quite there yet. I've used it before but make more money now and don't want to use it unless absolutely necessary to leave it for other families. \n\nWhat are some creative ideas for cheap snacks and dinners?\n\nEdit: Girls are 8 and 14, and are self described pescatarians. ", "sort": "top", "upvote_ratio": 0.88, "author": "lovesaints"}

selftext:
Hi. I'm a single dad with two kids and just had to buy a new car unexpectedly. I'm looking at how to reduce food costs and could use some advice, aside from food pantries. We have one in our neighborhood, but I don't think we're quite there yet. I've used it before but make more money now and don't want to use it unless absolutely necessary to leave it for other families. 

What are some creative ideas for cheap snacks and dinners?

Edit: Girls are 8 and 14, and are self described pescatarians. 


topic_name: Is it time to throw in the towel and just use one flat 2% cash back card on everything?
source: reddit
region: global
collected_at: 2026-02-12T00:06:10.588053+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1r0rvl6/is_it_time_to_throw_in_the_towel_and_just_use_one/

metadata:
{"subreddit": "CreditCards", "post_id": "1r0rvl6", "score": 130, "num_comments": 59, "created_utc": 1770700051.0, "selftext": "I have 200k Amex points that I hope to use for a trip to Thailand or Taiwan, but no telling when that will be. Maybe November or next January, but who knows. I\u2019m also juggling the CSP, CFF, Amazon Prime Visa, and Savor. Starting to think I should just use points for cash back rather than transfer them out.\n\nI recently picked up the Fidelity Rewards Visa and am enjoying the simplicity. And more importantly, getting my finances in order and investing in my future. That being said, I get in my own ", "sort": "hot", "upvote_ratio": 0.92, "author": "Rocket_Skates_91"}

selftext:
I have 200k Amex points that I hope to use for a trip to Thailand or Taiwan, but no telling when that will be. Maybe November or next January, but who knows. I’m also juggling the CSP, CFF, Amazon Prime Visa, and Savor. Starting to think I should just use points for cash back rather than transfer them out.

I recently picked up the Fidelity Rewards Visa and am enjoying the simplicity. And more importantly, getting my finances in order and investing in my future. That being said, I get in my own 


topic_name: Being Realistic About The Amex Platinum vs Other High End Travel Cards
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qwopik/being_realistic_about_the_amex_platinum_vs_other/
collected_at: 2026-02-12T00:06:13.782245+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qwopik", "score": 60, "num_comments": 64, "created_utc": 1770306311.0, "selftext": "To most of you I\u2019m sure this is obvious but I hope this helps any new comers to the CC game.\n\nI\u2019ve been a Platinum Card holder since 2019 and I\u2019m most likely canceling it this year, especially after getting the Venture X.\n\nThere was a time in my life when carrying the platinum card made sense and paid for its annual fee 10 times over. I was traveling for work basically once a month and I was allowed to put all expenses on my personal credit cards. I was absolutely raking in the points. Hotels an", "sort": "top", "upvote_ratio": 0.83, "author": "CaptainSolo80"}

selftext:
To most of you I’m sure this is obvious but I hope this helps any new comers to the CC game.

I’ve been a Platinum Card holder since 2019 and I’m most likely canceling it this year, especially after getting the Venture X.

There was a time in my life when carrying the platinum card made sense and paid for its annual fee 10 times over. I was traveling for work basically once a month and I was allowed to put all expenses on my personal credit cards. I was absolutely raking in the points. Hotels an


topic_name: What are the cyber laws on harassment/threat? Can anything be done about this?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2831x/what_are_the_cyber_laws_on_harassmentthreat_can/
collected_at: 2026-02-12T00:06:18.921043+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2831x", "score": 1, "num_comments": 1, "created_utc": 1770840496.0, "selftext": "Hi so I received these messages about 4.5 months apart. Private part pictures from a male, vulgar language, and then threatening to spit on my children. The first set I ended up searching the number on tiktok, found that it was attached to a HS friend of my brother\u2019s account and called him out for it. Then he removed the number from his tiktok and I heard nothing for 4.5 months. Today I get the new set of messages and picture from a new number, but the extremity in question is the same (identify", "sort": "hot", "upvote_ratio": 1.0, "author": "Electrical-Double247"}

selftext:
Hi so I received these messages about 4.5 months apart. Private part pictures from a male, vulgar language, and then threatening to spit on my children. The first set I ended up searching the number on tiktok, found that it was attached to a HS friend of my brother’s account and called him out for it. Then he removed the number from his tiktok and I heard nothing for 4.5 months. Today I get the new set of messages and picture from a new number, but the extremity in question is the same (identify


topic_name: Cease communication
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qbycs9/cease_communication/
collected_at: 2026-02-12T00:06:22.356706+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qbycs9", "score": 506, "num_comments": 55, "created_utc": 1768327470.0, "selftext": "I have a therapist whom I am trying to go no contact with.  They are highly manipulative and try to hoover me back so they can start charging me.  They also charge per text message.  And if I don\u2019t reach out, they will reach out \u201cchecking in,\u201d pretending to care.  Once I reply back, the charge starts.  \n\nI have already fired them by saying I no longer need their services and thanking them for their help.  They were very upset and told me I would be in shambles without them, and it\u2019s through thei", "sort": "top", "upvote_ratio": 0.87, "author": "newuser2111"}

selftext:
I have a therapist whom I am trying to go no contact with.  They are highly manipulative and try to hoover me back so they can start charging me.  They also charge per text message.  And if I don’t reach out, they will reach out “checking in,” pretending to care.  Once I reply back, the charge starts.  

I have already fired them by saying I no longer need their services and thanking them for their help.  They were very upset and told me I would be in shambles without them, and it’s through thei


topic_name: LPT - Talk as little as possible on a customer service call for better success
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qorkcm/lpt_talk_as_little_as_possible_on_a_customer/
collected_at: 2026-02-12T00:06:28.286218+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qorkcm", "score": 5438, "num_comments": 244, "created_utc": 1769550037.0, "selftext": "Source - I have been a customer service phone agent for 6 years. \n\nPeople don't realize that their long-winded, defensive monologue is just making what they want take way longer to be done. Just ask for what you need in a brief statement, and put the ball in the agent's court. I promise we don't want the call to take any longer than you do. \n\nIf you go on an extended tirade, I PROMISE you it will significantly DECREASE your chances of getting what you want. The average agent will be courteous bu", "sort": "hot", "upvote_ratio": 0.97, "author": "Funny_Sea_2873"}

selftext:
Source - I have been a customer service phone agent for 6 years. 

People don't realize that their long-winded, defensive monologue is just making what they want take way longer to be done. Just ask for what you need in a brief statement, and put the ball in the agent's court. I promise we don't want the call to take any longer than you do. 

If you go on an extended tirade, I PROMISE you it will significantly DECREASE your chances of getting what you want. The average agent will be courteous bu


topic_name: [Request] Immersion blender with attachments? Food processor
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0bdis/request_immersion_blender_with_attachments_food/
collected_at: 2026-02-12T00:06:36.789839+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0bdis", "score": 1, "num_comments": 2, "created_utc": 1770660031.0, "selftext": "Quick search and it seems ATK and some users don't recommend immersion blenders that come with attachments. I'm not sure if this is because most people have e.g. food processors, whisks, etc. that these attachments are redundant or if the attachments don't do as good of a job in general. If they work well, I might not consider getting these tools they are replacing for my new home.\n\nIf not, then I would just be better off getting the immersion blender standalone (perhaps more options are availab", "sort": "hot", "upvote_ratio": 0.56, "author": "seductivec0w"}

selftext:
Quick search and it seems ATK and some users don't recommend immersion blenders that come with attachments. I'm not sure if this is because most people have e.g. food processors, whisks, etc. that these attachments are redundant or if the attachments don't do as good of a job in general. If they work well, I might not consider getting these tools they are replacing for my new home.

If not, then I would just be better off getting the immersion blender standalone (perhaps more options are availab


topic_name: It's too early to throw it in the trash?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qjpnhg/its_too_early_to_throw_it_in_the_trash/
collected_at: 2026-02-12T00:06:40.492482+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qjpnhg", "score": 275, "num_comments": 27, "created_utc": 1769072431.0, "selftext": "", "sort": "top", "upvote_ratio": 0.93, "author": "Feel_the_snow"}


topic_name: The Retirement Crisis No One Warns You About: Mattering
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000196+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qfj7ml/the_retirement_crisis_no_one_warns_you_about/

metadata:
{"subreddit": "financialindependence", "post_id": "1qfj7ml", "score": 388, "num_comments": 167, "created_utc": 1768670870.0, "selftext": "The title of a good article in today's Wall Street Journal.      \n\nPer the article, \"mattering\"       \n*[has] four main components, captured in the acronym SAID: feeling*      \n*significant (seen and essential),*     \n*appreciated (valued for your contributions),*     \n*invested in (supported and cared for) and*    \n*depended on (needed by others).*       \n\n+--+-+-+-+-+--+-++++-+-+-+       \n\nFor an example of not *mattering* in art,     \nconsider the Twilight Zone episode titled \"A Nice Place To", "sort": "hot", "upvote_ratio": 0.86, "author": "zackenrollertaway"}

selftext:
The title of a good article in today's Wall Street Journal.      

Per the article, "mattering"       
*[has] four main components, captured in the acronym SAID: feeling*      
*significant (seen and essential),*     
*appreciated (valued for your contributions),*     
*invested in (supported and cared for) and*    
*depended on (needed by others).*       

+--+-+-+-+-+--+-++++-+-+-+       

For an example of not *mattering* in art,     
consider the Twilight Zone episode titled "A Nice Place To


topic_name: What are the current travel restrictions and requirements for visiting Cuba?
source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397336+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
metadata:
{"original_headline": "voyage cuba", "original_source": "google_trends", "llm_generated": true, "query_source": "groq_llm"}


topic_name: The Most Insane Field Run in Super Bowl History? (POV)
source: youtube
region: US
url: https://youtube.com/watch?v=PvHpZLZRmJI
collected_at: 2026-02-12T00:04:30.766121
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "PvHpZLZRmJI", "channel": "Foeko", "category": "Sports", "category_id": 17, "views": "3404448", "view_count": 3404448, "likes": "172152", "published_at": "2026-02-10T02:06:16Z"}


topic_name: What to do with limited investment vehicles through employer?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r23cgs/what_to_do_with_limited_investment_vehicles/
collected_at: 2026-02-12T00:04:41.815086+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r23cgs", "score": 0, "num_comments": 9, "created_utc": 1770830293.0, "selftext": "I recently accepted a contract-to-hire role, and the contracting company doesn't offer anything except for a HDHP + pre-payroll HSA contributions for investing/reducing taxable income. The contract is 6 months, and then I would be hired on at the prime company with what I think is pretty decent 401k match(employer matches 5% when contributing 6%); I would be switching to the prime at the end of August.    \n  \nMy current financial situation:\n\n* Only debt I have is $178k left on my mortgage.\n* Rec", "sort": "hot", "upvote_ratio": 0.33, "author": "-__u__-"}

selftext:
I recently accepted a contract-to-hire role, and the contracting company doesn't offer anything except for a HDHP + pre-payroll HSA contributions for investing/reducing taxable income. The contract is 6 months, and then I would be hired on at the prime company with what I think is pretty decent 401k match(employer matches 5% when contributing 6%); I would be switching to the prime at the end of August.    
  
My current financial situation:

* Only debt I have is $178k left on my mortgage.
* Rec


topic_name: Parked car hit by tow truck
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qvfvk6/parked_car_hit_by_tow_truck/
collected_at: 2026-02-12T00:04:45.418357+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qvfvk6", "score": 185, "num_comments": 33, "created_utc": 1770182540.0, "selftext": "So I was hit by a tow truck (contracted with triple a roadside assistance) while parked in front of my house. (Rear bumper ripped off halfway)\n\nI don't touch it and borrowed my siblings' truck in the morning to take to work. On the way, the tow company calls me and says they accept fault and want to make things right. They say they're going to take my car to get it checked out. I wasn't sure how to go about things and so I arranged for my sister to meet them at my house to give them the key so t", "sort": "top", "upvote_ratio": 0.93, "author": "Smokey_Mcpotter"}

selftext:
So I was hit by a tow truck (contracted with triple a roadside assistance) while parked in front of my house. (Rear bumper ripped off halfway)

I don't touch it and borrowed my siblings' truck in the morning to take to work. On the way, the tow company calls me and says they accept fault and want to make things right. They say they're going to take my car to get it checked out. I wasn't sure how to go about things and so I arranged for my sister to meet them at my house to give them the key so t


topic_name: Questions about title ownership laws in Colorado
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzibyp/questions_about_title_ownership_laws_in_colorado/
collected_at: 2026-02-12T00:04:50.635903+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzibyp", "score": 0, "num_comments": 2, "created_utc": 1770579076.0, "selftext": "I am a brand new used car dealer in Colorado, I have a client who wants to buy a car from me and has got a loan, I have done my diligence and did the emissions and vin verification, customer comes in to finalise paperwork after taking a loan from the bank and refuses to sign the back of the title when I attempted to re assign it to her. Is there a way I can get a fresh new title in the dealers name without getting a dealer resale certificate?\n\nOr is the dealer certificate just another name for a", "sort": "hot", "upvote_ratio": 0.5, "author": "Ok_Taro5800"}

selftext:
I am a brand new used car dealer in Colorado, I have a client who wants to buy a car from me and has got a loan, I have done my diligence and did the emissions and vin verification, customer comes in to finalise paperwork after taking a loan from the bank and refuses to sign the back of the title when I attempted to re assign it to her. Is there a way I can get a fresh new title in the dealers name without getting a dealer resale certificate?

Or is the dealer certificate just another name for a


topic_name: Flat vs gross pay plan
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qd8m7u/flat_vs_gross_pay_plan/
collected_at: 2026-02-12T00:04:53.860492+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qd8m7u", "score": 9, "num_comments": 13, "created_utc": 1768447788.0, "selftext": "Had an interview at my local dealer today, they offered what they call a \u201csimple payment plan\u201d which is $500 flat for all cars and volume bonus for selling more than 14 cars + CSI (barely anything) + $3000/month draw, absolutely nothing else. I want to absolutely kill it in sales this year and this was the first one out of the many I applied to that even gave me a chance to interview and they seemed very interested in having me. \n\nThey told me they shifted to a flat payment because it made the s", "sort": "top", "upvote_ratio": 1.0, "author": "Federal_Attorney_672"}

selftext:
Had an interview at my local dealer today, they offered what they call a “simple payment plan” which is $500 flat for all cars and volume bonus for selling more than 14 cars + CSI (barely anything) + $3000/month draw, absolutely nothing else. I want to absolutely kill it in sales this year and this was the first one out of the many I applied to that even gave me a chance to interview and they seemed very interested in having me. 

They told me they shifted to a flat payment because it made the s


topic_name: Investing into a HYSA
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r14fbg/investing_into_a_hysa/
collected_at: 2026-02-12T00:04:59.457669+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r14fbg", "score": 0, "num_comments": 5, "created_utc": 1770738721.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.36, "author": "ascendrix-88"}


topic_name: Made dinner for the week for about 2.50 a meal.
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qyif0y/made_dinner_for_the_week_for_about_250_a_meal/
collected_at: 2026-02-12T00:05:03.489385+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qyif0y", "score": 476, "num_comments": 25, "created_utc": 1770482191.0, "selftext": "Chicken, in different sauces and vegetables. Bought 10 lbs of diced fully cooked chicken for $43, vegetables $5, sauces $2 each. Still learning to cook rice so no rice added. We'll make rice as these warm in the rice cooker but I have a 20lbs of rice I bought a while ago. Only used about 2.5 lbs of chicken. \n These are for 2 people.\n\n\nThe bake ware was a lot but it can go into the freezer, refrigerator, dishwasher, microwave and oven. \n\n\n\nIt took me about 2 hours to make. Because I cooked 5 lbs ", "sort": "top", "upvote_ratio": 0.98, "author": "ResidentFew6785"}

selftext:
Chicken, in different sauces and vegetables. Bought 10 lbs of diced fully cooked chicken for $43, vegetables $5, sauces $2 each. Still learning to cook rice so no rice added. We'll make rice as these warm in the rice cooker but I have a 20lbs of rice I bought a while ago. Only used about 2.5 lbs of chicken. 
 These are for 2 people.


The bake ware was a lot but it can go into the freezer, refrigerator, dishwasher, microwave and oven. 



It took me about 2 hours to make. Because I cooked 5 lbs 


topic_name: (CAN) Scammers in dating apps?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0rgqd/can_scammers_in_dating_apps/
collected_at: 2026-02-12T00:05:08.886877+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0rgqd", "score": 2, "num_comments": 14, "created_utc": 1770698817.0, "selftext": "So I was on Blk dating the other day and I had matched with this Filipino woman, we matched immediately when we start talking. I had a weird feeling. My spider sense was tingling. But the first day we were talking it was very casual and nothing too serious. The second day I was talking to her, she casually brings up that she does some trading. I thought oh OK that\u2019s cool. I said I\u2019ve traded too on wealth simple, and I ask her if she\u2019d had some success. She begins to tell me that she can help me ", "sort": "hot", "upvote_ratio": 0.57, "author": "Broad-Lab-6480"}

selftext:
So I was on Blk dating the other day and I had matched with this Filipino woman, we matched immediately when we start talking. I had a weird feeling. My spider sense was tingling. But the first day we were talking it was very casual and nothing too serious. The second day I was talking to her, she casually brings up that she does some trading. I thought oh OK that’s cool. I said I’ve traded too on wealth simple, and I ask her if she’d had some success. She begins to tell me that she can help me 


topic_name: [US] Multiple Unauthorized Transactions After using a pdf converter.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qqevu3/us_multiple_unauthorized_transactions_after_using/
collected_at: 2026-02-12T00:05:12.359040+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qqevu3", "score": 56, "num_comments": 32, "created_utc": 1769707479.0, "selftext": "Hi so this might be short, and i can explain better if needed, but a few days ago my partner needed a photo to be converted into a pdf file. Like a dumbass i just sent them the first link i could find that sounded right. The link i sent was for toppdf.co and apparently it worked and we went on about the day. Later they were sent a text from their bank similar to the one shown, charged to USPdfmate, which they claimed they did not use. They cancelled their card and got a new a one. However, they ", "sort": "top", "upvote_ratio": 0.87, "author": "No_Statistician7502"}

selftext:
Hi so this might be short, and i can explain better if needed, but a few days ago my partner needed a photo to be converted into a pdf file. Like a dumbass i just sent them the first link i could find that sounded right. The link i sent was for toppdf.co and apparently it worked and we went on about the day. Later they were sent a text from their bank similar to the one shown, charged to USPdfmate, which they claimed they did not use. They cancelled their card and got a new a one. However, they 


topic_name: Paid $2K for an “AI security layer” and it flagged my own model as a threat and locked me out.
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889938+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1oqlg04/paid_2k_for_an_ai_security_layer_and_it_flagged/

metadata:
{"subreddit": "assholedesign", "post_id": "1oqlg04", "score": 39, "num_comments": 48, "created_utc": 1762491246.0, "selftext": "I run a small AI project for a client- nothing wild, just a model that summarizes internal reports. A friend recommended this tool called Virtue AI to \u201csecure\u201d it from data poisoning and leaks. Their pitch sounded great: it monitors your model, blocks suspicious inputs, keeps your data safe, blah blah.\n\nFirstly, the Setup took forever. It's Documentation was so vague and half the API endpoints weren\u2019t even explained. But after two days, I finally got it integrated.\n\nWithin hours, it started flag", "sort": "hot", "upvote_ratio": 0.62, "author": "BinarySoul18"}

selftext:
I run a small AI project for a client- nothing wild, just a model that summarizes internal reports. A friend recommended this tool called Virtue AI to “secure” it from data poisoning and leaks. Their pitch sounded great: it monitors your model, blocks suspicious inputs, keeps your data safe, blah blah.

Firstly, the Setup took forever. It's Documentation was so vague and half the API endpoints weren’t even explained. But after two days, I finally got it integrated.

Within hours, it started flag


topic_name: Online business girl math 💅
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qtmg5e/online_business_girl_math/
collected_at: 2026-02-12T00:05:26.020661+00:00
autocomplete: []
selftext: I swear none of these huns actually understand how tax write offs work.
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qtmg5e", "score": 74, "num_comments": 49, "created_utc": 1770010271.0, "selftext": "I swear none of these huns actually understand how tax write offs work. ", "sort": "hot", "upvote_ratio": 1.0, "author": "realsnail"}


topic_name: So, you're in hell?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qnku09/so_youre_in_hell/
collected_at: 2026-02-12T00:05:30.135232+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qnku09", "score": 80, "num_comments": 10, "created_utc": 1769444963.0, "selftext": "", "sort": "top", "upvote_ratio": 0.99, "author": "Willing_Chemical1257"}


topic_name: I Accidently hit a Parked Car and Haven't Heard From Them, Could I get in Trouble Still?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r10zbx/i_accidently_hit_a_parked_car_and_havent_heard/
collected_at: 2026-02-12T00:05:44.256830+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r10zbx", "score": 6, "num_comments": 15, "created_utc": 1770730744.0, "selftext": "I live in northern California. While backing out of a driveway late at night I accidently backed into a parked car. This car was in my blind spot so I didn't really see it until the last minute. I got out and I looked over the damages and there was a small dent in their door and a little bit of my cars paint on the door, but other than that no other damages.\n\nThis car was parked along a curb and not infront of a house so I wasn't sure who the owner was. I wasn't sure if I should go door to door ", "sort": "hot", "upvote_ratio": 0.69, "author": "Ok-Magazine1218"}

selftext:
I live in northern California. While backing out of a driveway late at night I accidently backed into a parked car. This car was in my blind spot so I didn't really see it until the last minute. I got out and I looked over the damages and there was a small dent in their door and a little bit of my cars paint on the door, but other than that no other damages.

This car was parked along a curb and not infront of a house so I wasn't sure who the owner was. I wasn't sure if I should go door to door 


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qv9uds/a_the_water_authority_in_mercersburg_pennsylvania/
collected_at: 2026-02-12T00:05:47.658519+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
A the water authority in Mercersburg, Pennsylvania is now denying the local Fire Department use of the fire hydrants to put out fires. They told the Fire Chief to let the buildings burn. Wouldn't that make the town uninsurable or  cause MASSIVE rate hikes at the minimum?

metadata:
{"subreddit": "Insurance", "post_id": "1qv9uds", "score": 6, "num_comments": 6, "created_utc": 1770166001.0, "selftext": "Link to the original post.\n\nhttps://www.reddit.com/r/mildlyinfuriating/comments/1qv7ofq/a_nearby_fire_department_is_being_told_they/", "sort": "top", "upvote_ratio": 0.81, "author": "hobovirginity"}

selftext:
Link to the original post.

https://www.reddit.com/r/mildlyinfuriating/comments/1qv7ofq/a_nearby_fire_department_is_being_told_they/


topic_name: SportsDirect.com using unintuitive opt out UX so people accidentally sign up for marketing emails
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1ji3u5a/sportsdirectcom_using_unintuitive_opt_out_ux_so/
collected_at: 2026-02-12T00:05:53.366487+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1ji3u5a", "score": 17, "num_comments": 2, "created_utc": 1742748998.0, "selftext": "https://preview.redd.it/c59wt0hbzgqe1.png?width=1356&amp;format=png&amp;auto=webp&amp;s=c5160cf3f6aeedce70d7a6abd8dc4c34b8a02dc1\n\n", "sort": "hot", "upvote_ratio": 0.95, "author": "koctake"}

selftext:
https://preview.redd.it/c59wt0hbzgqe1.png?width=1356&amp;format=png&amp;auto=webp&amp;s=c5160cf3f6aeedce70d7a6abd8dc4c34b8a02dc1


topic_name: What’s something you stopped buying and never missed?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qupaav/whats_something_you_stopped_buying_and_never/
collected_at: 2026-02-12T00:06:01.657098+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qupaav", "score": 478, "num_comments": 645, "created_utc": 1770117411.0, "selftext": "I was recently looking back at my monthly expenses and realized that some things I used to buy regularly were mostly driven by habit, not real need. Once I stopped purchasing them, I honestly didn\u2019t feel any difference in my day-to-day life. In fact, it made me more aware of how many \u201cdefault\u201d purchases we make without questioning them. I\u2019m curious what others decided to cut out and then realized they never actually missed.", "sort": "hot", "upvote_ratio": 0.92, "author": "FormerShoulder707"}

selftext:
I was recently looking back at my monthly expenses and realized that some things I used to buy regularly were mostly driven by habit, not real need. Once I stopped purchasing them, I honestly didn’t feel any difference in my day-to-day life. In fact, it made me more aware of how many “default” purchases we make without questioning them. I’m curious what others decided to cut out and then realized they never actually missed.


topic_name: Power bill keeps going up—will lowering thermostat from 63 to 60F make a significant difference?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qhrrlx/power_bill_keeps_going_upwill_lowering_thermostat/
collected_at: 2026-02-12T00:06:05.044663+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qhrrlx", "score": 186, "num_comments": 191, "created_utc": 1768884808.0, "selftext": "Electricity rates have increased (FU data centers, you AHs) \u2014 but my income has not.  Trying to keep my electric bill as low as possible, at least close to last year\u2019s.  I don\u2019t mind bundling up + blankets inside, and I have dogs that are more than happy to pull their load.  Will I notice a significant difference lowering my thermostat like this?  (2100 ft sq, house built in 2020, great quality builder, unused rooms doors kept closed)\n\nEDIT\u2014 I am overwhelmed", "sort": "top", "upvote_ratio": 0.84, "author": "ArcherFew2069"}

selftext:
Electricity rates have increased (FU data centers, you AHs) — but my income has not.  Trying to keep my electric bill as low as possible, at least close to last year’s.  I don’t mind bundling up + blankets inside, and I have dogs that are more than happy to pull their load.  Will I notice a significant difference lowering my thermostat like this?  (2100 ft sq, house built in 2020, great quality builder, unused rooms doors kept closed)

EDIT— I am overwhelmed


topic_name: SYW 5321 Visa - confirmed ability to redeem points as statement credit
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r19je6/syw_5321_visa_confirmed_ability_to_redeem_points/
collected_at: 2026-02-12T00:06:10.588057+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r19je6", "score": 10, "num_comments": 7, "created_utc": 1770749683.0, "selftext": "I just logged in to see my points balance updated with the 500,000 SUB and was happy to see that we CAN apply points as a statement credit as originally advertised but was not immediately available.  I still had some points from before getting the 5321 card so those couldn\u2019t be applied as a statement credit but all points from 5321 purchases plus the SUB were able to be redeemed as a credit.  I cashed out the rest of the leftover points for an Amazon GC.", "sort": "hot", "upvote_ratio": 0.92, "author": "jillianmd"}

selftext:
I just logged in to see my points balance updated with the 500,000 SUB and was happy to see that we CAN apply points as a statement credit as originally advertised but was not immediately available.  I still had some points from before getting the 5321 card so those couldn’t be applied as a statement credit but all points from 5321 purchases plus the SUB were able to be redeemed as a credit.  I cashed out the rest of the leftover points for an Amazon GC.


topic_name: Best 5 card setup for 2026
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qtg7x9/best_5_card_setup_for_2026/
collected_at: 2026-02-12T00:06:13.782248+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qtg7x9", "score": 62, "num_comments": 101, "created_utc": 1769992999.0, "selftext": "Curious what you guys think the best 5-card setups are for 2026. Anything over 5 cards becomes a headache for most people. ", "sort": "top", "upvote_ratio": 0.85, "author": "Mental-Visual6334"}

selftext:
Curious what you guys think the best 5-card setups are for 2026. Anything over 5 cards becomes a headache for most people. 


topic_name: Tenant water damage
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r280vl/tenant_water_damage/
collected_at: 2026-02-12T00:06:18.921047+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r280vl", "score": 1, "num_comments": 3, "created_utc": 1770840355.0, "selftext": "Location: Pittsburgh, PA  \n  \nTenant lease expired, they were moving out.  Snow storm hitting.  Tenant asked for a little extra time to move out.  Granted verbally.  9 days later a pipe burst cauing lots of damage.  The gas was on but the tenant had physically turned the heat off at the thermostat.  The tenant still appears to have a couch, end table, lamp, a large box with some fluffy thing in it, and mixer in the unit.  Two bycicles, a grill, and a motorcycle on the premises with a license pla", "sort": "hot", "upvote_ratio": 1.0, "author": "Sweet_Fig_1625"}

selftext:
Location: Pittsburgh, PA  
  
Tenant lease expired, they were moving out.  Snow storm hitting.  Tenant asked for a little extra time to move out.  Granted verbally.  9 days later a pipe burst cauing lots of damage.  The gas was on but the tenant had physically turned the heat off at the thermostat.  The tenant still appears to have a couch, end table, lamp, a large box with some fluffy thing in it, and mixer in the unit.  Two bycicles, a grill, and a motorcycle on the premises with a license pla


topic_name: Neighbors are abusing their children. I can hear it all. Anything I can do?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qwdvj0/neighbors_are_abusing_their_children_i_can_hear/
collected_at: 2026-02-12T00:06:22.356709+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qwdvj0", "score": 504, "num_comments": 59, "created_utc": 1770272987.0, "selftext": "Location: AZ\n\nI have no idea if this is the right place to post this so if there's a better place please let me know.\n\nI have new neighbors that live below me. It's 2 women likely in their 30's. 3 or 4 children from about 3 to 7. Then there's a man maybe 30's or 40's that's only there on the weekends. They are a very loud household. Lots of screaming and yelling but never after 9pm so it's not really a noise issue. \n\nUnfortunately they are all so loud I can hear everything. I can hear every word", "sort": "top", "upvote_ratio": 0.96, "author": "AdKindly2624"}

selftext:
Location: AZ

I have no idea if this is the right place to post this so if there's a better place please let me know.

I have new neighbors that live below me. It's 2 women likely in their 30's. 3 or 4 children from about 3 to 7. Then there's a man maybe 30's or 40's that's only there on the weekends. They are a very loud household. Lots of screaming and yelling but never after 9pm so it's not really a noise issue. 

Unfortunately they are all so loud I can hear everything. I can hear every word


topic_name: LPT : Check Trees before buying a house AND plant new trees ASAP after buying
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qoehy0/lpt_check_trees_before_buying_a_house_and_plant/
collected_at: 2026-02-12T00:06:28.286222+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qoehy0", "score": 5989, "num_comments": 267, "created_utc": 1769522155.0, "selftext": "If you are buying a new house and the property has trees, have them checked out.  Mature trees that are diseased will cost a lot to have removed.  \u201cWeed\u201d trees like the Tree of Heaven are invasive and will cause anguish and a lot of work.  Negotiate diseased and invasive tree removal in your purchase price.\n\nPlant new trees as soon as you can when you buy a house. They take a while to grow, so the sooner you plant them the sooner you will realize the benefits.  Shade, beauty and increased value ", "sort": "hot", "upvote_ratio": 0.96, "author": "LackVegetable3534"}

selftext:
If you are buying a new house and the property has trees, have them checked out.  Mature trees that are diseased will cost a lot to have removed.  “Weed” trees like the Tree of Heaven are invasive and will cause anguish and a lot of work.  Negotiate diseased and invasive tree removal in your purchase price.

Plant new trees as soon as you can when you buy a house. They take a while to grow, so the sooner you plant them the sooner you will realize the benefits.  Shade, beauty and increased value 


topic_name: LPT: Call the hotel you plan to stay at and ask about any planned repairs or on-site work.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qiq98d/lpt_call_the_hotel_you_plan_to_stay_at_and_ask/
collected_at: 2026-02-12T00:06:31.302206+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qiq98d", "score": 856, "num_comments": 54, "created_utc": 1768976240.0, "selftext": "I learned this the hard way after a few unpleasant surprises upon arrival (a closed pool with no advance notice, pier reconstruction with heavy equipment, etc.)\n\nNow I call the hotel or property ahead of time to ask about any repair or construction work planned during my stay.", "sort": "top", "upvote_ratio": 0.88, "author": "sp004"}

selftext:
I learned this the hard way after a few unpleasant surprises upon arrival (a closed pool with no advance notice, pier reconstruction with heavy equipment, etc.)

Now I call the hotel or property ahead of time to ask about any repair or construction work planned during my stay.


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qzp9gz/what_brand_and_style_socks_you_recommend_for/
collected_at: 2026-02-12T00:06:36.789843+00:00
autocomplete: []
selftext: Also just durable brand won’t rip in 2 weeks please.
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
What brand and style socks you recommend for moisture wicking keep me feet dry in me shoes or boots?

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzp9gz", "score": 23, "num_comments": 35, "created_utc": 1770595868.0, "selftext": "Also just durable brand won\u2019t rip in 2 weeks please. ", "sort": "hot", "upvote_ratio": 0.74, "author": "Academic_Ad_200"}


topic_name: woke up. confirmed last night was not a dream. i finally own a herman miller aeron.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qlospq/woke_up_confirmed_last_night_was_not_a_dream_i/
collected_at: 2026-02-12T00:06:40.492489+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qlospq", "score": 272, "num_comments": 101, "created_utc": 1769265977.0, "selftext": "after a couple years with a workpro quantum, five years with a hag capisco (which i still like, to an extent), and basically a lifetime of keeping an eye on the used market in tennessee...\n\ni finally own a herman miller aeron.  classic, fully loaded, size b.  mint condition, despite being manufactured in 2015.\n\nnot even sure it's been used once, actually.  seller was furnishing a new office, bought too many chairs from another business that opened three floors in an office building but wound up ", "sort": "top", "upvote_ratio": 0.8, "author": "europeanuppercut"}

selftext:
after a couple years with a workpro quantum, five years with a hag capisco (which i still like, to an extent), and basically a lifetime of keeping an eye on the used market in tennessee...

i finally own a herman miller aeron.  classic, fully loaded, size b.  mint condition, despite being manufactured in 2015.

not even sure it's been used once, actually.  seller was furnishing a new office, bought too many chairs from another business that opened three floors in an office building but wound up 


topic_name: The 4% Rule's Hidden Bias
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qgtawy/the_4_rules_hidden_bias/
collected_at: 2026-02-12T00:06:47.000200+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qgtawy", "score": 0, "num_comments": 46, "created_utc": 1768793884.0, "selftext": "The 4% rule has a significant assumption that I think deserves more discussion in the FIRE community, especially for very early retirees.\n\nThe rule assumes that inflation-adjusted expenses will remain flat from retirement until death. However, most people's lived experience up until reaching retirement is one of *increasing* real spending over their working lives.\n\n**The Core Issue**:\n\nMost people have a historical CAGR of annual expenses &gt; 0%  \nThe 4% rule assumes future CAGR of annual expen", "sort": "hot", "upvote_ratio": 0.27, "author": "_abordes_"}

selftext:
The 4% rule has a significant assumption that I think deserves more discussion in the FIRE community, especially for very early retirees.

The rule assumes that inflation-adjusted expenses will remain flat from retirement until death. However, most people's lived experience up until reaching retirement is one of *increasing* real spending over their working lives.

**The Core Issue**:

Most people have a historical CAGR of annual expenses &gt; 0%  
The 4% rule assumes future CAGR of annual expen


topic_name: He is Lucky he said "I love you" on time! #dating #couple
source: youtube
region: US
url: https://youtube.com/watch?v=elCIMxD_-Io
collected_at: 2026-02-12T00:04:30.534686
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "elCIMxD_-Io", "channel": "Love Theory", "category": "Entertainment", "category_id": 24, "views": "3396488", "view_count": 3396488, "likes": "88267", "published_at": "2026-02-10T21:47:51Z"}


topic_name: Risk with Dividend-style ETFs / Stocks on a short term horizon?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815090+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r23adv/risk_with_dividendstyle_etfs_stocks_on_a_short/

metadata:
{"subreddit": "personalfinance", "post_id": "1r23adv", "score": 0, "num_comments": 7, "created_utc": 1770830167.0, "selftext": "Finalizing my household's budget this month (pending year end bonus numbers), but I expect to have a taxable income of \\~$86,000 (married/jointly for tax implications). I've got about $14,000 in 12% federal bracket remaining and $12,000 before I pay capital gains.\n\nI live in a state with income tax, so a lot of my short term savings (saving for house downpayment with horizon of months)(emergency fund)(preloading an account for 2027 IRA contributions) are in SGOV (taxed at 12% income bracket with", "sort": "hot", "upvote_ratio": 0.5, "author": "Waltzer64"}

selftext:
Finalizing my household's budget this month (pending year end bonus numbers), but I expect to have a taxable income of \~$86,000 (married/jointly for tax implications). I've got about $14,000 in 12% federal bracket remaining and $12,000 before I pay capital gains.

I live in a state with income tax, so a lot of my short term savings (saving for house downpayment with horizon of months)(emergency fund)(preloading an account for 2027 IRA contributions) are in SGOV (taxed at 12% income bracket with


topic_name: 24 with $35k saved: Am I crazy to leave my parents' basement in this market?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418361+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qn7clx/24_with_35k_saved_am_i_crazy_to_leave_my_parents/

metadata:
{"subreddit": "personalfinance", "post_id": "1qn7clx", "score": 188, "num_comments": 205, "created_utc": 1769405558.0, "selftext": "Hi All,\n\nI\u2019m 24 currently living in my parents' basement. I work full-time, make decent money, and I\u2019ve reached the point where I want more privacy and a fresh start. I want to \"grow up\" and have my own place, but with how expensive everything is right now, I\u2019m struggling to decide if moving out is a smart move or a financial mistake.\n\nSome important information\n\n* **Savings:**\u00a0$35k (reserved for a down payment, closing costs, furniture, etc. I am not sure how I want to use this money since I do", "sort": "top", "upvote_ratio": 0.84, "author": "Soggy-Flatworm-4980"}

selftext:
Hi All,

I’m 24 currently living in my parents' basement. I work full-time, make decent money, and I’ve reached the point where I want more privacy and a fresh start. I want to "grow up" and have my own place, but with how expensive everything is right now, I’m struggling to decide if moving out is a smart move or a financial mistake.

Some important information

* **Savings:** $35k (reserved for a down payment, closing costs, furniture, etc. I am not sure how I want to use this money since I do


topic_name: Question about Negotiating Price
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzs0zj/question_about_negotiating_price/
collected_at: 2026-02-12T00:04:50.635907+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzs0zj", "score": 0, "num_comments": 39, "created_utc": 1770604008.0, "selftext": "Im in a desperate situation and have no choice but to buy a new car. Mine was totaled two weeks ago (Im obviously not letting the dealership know about the desperation). I have 2k right now and getting another 1k from the insurance when they get my title. so I'll have 3k to put down (not much. i feel jipped a little there but ugh)\n\nanyway, Im looking at a Nissan rogue. a dealership right down the road from me has a brand new 2026 one in black for $24.5k but another dealership 50 miles away has o", "sort": "hot", "upvote_ratio": 0.37, "author": "MatchakoCX"}

selftext:
Im in a desperate situation and have no choice but to buy a new car. Mine was totaled two weeks ago (Im obviously not letting the dealership know about the desperation). I have 2k right now and getting another 1k from the insurance when they get my title. so I'll have 3k to put down (not much. i feel jipped a little there but ugh)

anyway, Im looking at a Nissan rogue. a dealership right down the road from me has a brand new 2026 one in black for $24.5k but another dealership 50 miles away has o


topic_name: HELP!!! Am I SOL?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qxm8ps/help_am_i_sol/
collected_at: 2026-02-12T00:04:53.860497+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qxm8ps", "score": 10, "num_comments": 7, "created_utc": 1770395195.0, "selftext": "Long story short, we sold our camper van in order to get a more practical vehicle because we are having a baby this summer. My partner purchased a used 2018 Chevy Colorado with 180k miles for 12k. A month after having the car we discovered massive oil leaks and got 6k worth of work done. A month later, the car has low oil pressure and wont run. The shop says it will cost 10k to fix (which we don't have) but that they might not even recommend that because it looks like the car was never well main", "sort": "top", "upvote_ratio": 0.78, "author": "Doodlebug_12025"}

selftext:
Long story short, we sold our camper van in order to get a more practical vehicle because we are having a baby this summer. My partner purchased a used 2018 Chevy Colorado with 180k miles for 12k. A month after having the car we discovered massive oil leaks and got 6k worth of work done. A month later, the car has low oil pressure and wont run. The shop says it will cost 10k to fix (which we don't have) but that they might not even recommend that because it looks like the car was never well main


topic_name: Need advice to earn money as a student
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r10yyy/need_advice_to_earn_money_as_a_student/
collected_at: 2026-02-12T00:04:59.457673+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r10yyy", "score": 0, "num_comments": 11, "created_utc": 1770730719.0, "selftext": "&amp;#x200B;\n\nI\u2019m a student and I need to become financially independent within 1\u20132 months. I\u2019ll be moving out of a hostel into my own apartment, and initially I\u2019ll need to earn around 200$ per month to manage expenses. My parents will cover half the rent for few months, but I still need steady income.\n\nI\u2019ve tried YouTube and Instagram before but I did not work out that much. I have \\~1k followers, but the page had no clear niche, got copyright strikes, and nothing is working now, so I\u2019ve archiv", "sort": "hot", "upvote_ratio": 0.38, "author": "mount6ain"}

selftext:
&amp;#x200B;

I’m a student and I need to become financially independent within 1–2 months. I’ll be moving out of a hostel into my own apartment, and initially I’ll need to earn around 200$ per month to manage expenses. My parents will cover half the rent for few months, but I still need steady income.

I’ve tried YouTube and Instagram before but I did not work out that much. I have \~1k followers, but the page had no clear niche, got copyright strikes, and nothing is working now, so I’ve archiv


topic_name: How are people still making fun of others for living with family?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qkkrqu/how_are_people_still_making_fun_of_others_for/
collected_at: 2026-02-12T00:05:03.489388+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qkkrqu", "score": 455, "num_comments": 108, "created_utc": 1769154513.0, "selftext": "I mean, I know it's just because they're severely disconnected from the reality of how bad and expensive things are now.\n\nBut I've heard someone make the mother's basement joke, and sure it was funny YEARS ago when a single person could reasonably live on their own. Now tho? I have a degree and can't afford to live on my own. I live with my elderly parents even tho I'm almost 30, to be able to afford an upcoming surgery and actually have a savings account for emergencies. Whenever I do move out ", "sort": "top", "upvote_ratio": 0.96, "author": "toe_beans_4_life"}

selftext:
I mean, I know it's just because they're severely disconnected from the reality of how bad and expensive things are now.

But I've heard someone make the mother's basement joke, and sure it was funny YEARS ago when a single person could reasonably live on their own. Now tho? I have a degree and can't afford to live on my own. I live with my elderly parents even tho I'm almost 30, to be able to afford an upcoming surgery and actually have a savings account for emergencies. Whenever I do move out 


topic_name: [US] Got tricked into buying gifts cards for my colleagues by someone impersonating my boss
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1a1kv/us_got_tricked_into_buying_gifts_cards_for_my/
collected_at: 2026-02-12T00:05:08.886881+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1a1kv", "score": 0, "num_comments": 50, "created_utc": 1770750759.0, "selftext": "I received convincing text messages from my boss asking me to purchase gift cards and send them to him. He seemed to have all the details of the boss and me and told me that he wanted to gift out the gift cards to other employees as a token of appreciation and hence to keep it confidential. He asked for 4 at first, then 4 more and 4 more and 4 more. After the first 8, my cards kept getting declined. I got a call from the bank and when I told them everything that\u2019s when I realized I\u2019ve been scamm", "sort": "hot", "upvote_ratio": 0.43, "author": "feeNix1907"}

selftext:
I received convincing text messages from my boss asking me to purchase gift cards and send them to him. He seemed to have all the details of the boss and me and told me that he wanted to gift out the gift cards to other employees as a token of appreciation and hence to keep it confidential. He asked for 4 at first, then 4 more and 4 more and 4 more. After the first 8, my cards kept getting declined. I got a call from the bank and when I told them everything that’s when I realized I’ve been scamm


topic_name: [US] Phishing Scam Emails From REAL Apple
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qfhp2n/us_phishing_scam_emails_from_real_apple/
collected_at: 2026-02-12T00:05:12.359043+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qfhp2n", "score": 55, "num_comments": 23, "created_utc": 1768667455.0, "selftext": "I want to warn everyone about a phishing scam targeting Apple users. I\u2019ve been getting emails claiming charges on iCloud or ApplePay. They look super convincing even with verification check marks but they\u2019re fake.\n\nI didn\u2019t click any links and checked the sender info online. When I contacted Apple Support, the rep even insisted these were my accounts during a screen share, which was confusing and could be risky for less cautious people. Eventually, I was advised to report the emails as phishing.", "sort": "top", "upvote_ratio": 0.84, "author": "Kymsta"}

selftext:
I want to warn everyone about a phishing scam targeting Apple users. I’ve been getting emails claiming charges on iCloud or ApplePay. They look super convincing even with verification check marks but they’re fake.

I didn’t click any links and checked the sender info online. When I contacted Apple Support, the rep even insisted these were my accounts during a screen share, which was confusing and could be risky for less cautious people. Eventually, I was advised to report the emails as phishing.


topic_name: Contrado raises their prices in order to negate their 25% student discount
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889941+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1onqjnh/contrado_raises_their_prices_in_order_to_negate/

metadata:
{"subreddit": "assholedesign", "post_id": "1onqjnh", "score": 5898, "num_comments": 62, "created_utc": 1762209770.0, "selftext": "Same product, same quantity, same shipping address, but when I log in to my account with a student discount, the subtotal increases by 30%", "sort": "hot", "upvote_ratio": 0.99, "author": "Kycrio"}

selftext:
Same product, same quantity, same shipping address, but when I log in to my account with a student discount, the subtotal increases by 30%


topic_name: Another Multipure (MLM) “mama” trying to sell garbage to people
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qu18il/another_multipure_mlm_mama_trying_to_sell_garbage/
collected_at: 2026-02-12T00:05:26.020664+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qu18il", "score": 7, "num_comments": 4, "created_utc": 1770052803.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.9, "author": "AutoModerrator-69"}


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qlrsct/they_spends_months_years_claiming_that_their/
collected_at: 2026-02-12T00:05:30.135236+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
They spends months, years, claiming that their products “cut out food noise,” and “curbs cravings,” yet mention a storm and they're eating all the “snacks” they can grab.

metadata:
{"subreddit": "antiMLM", "post_id": "1qlrsct", "score": 75, "num_comments": 11, "created_utc": 1769272934.0, "selftext": "", "sort": "top", "upvote_ratio": 0.97, "author": "Willing_Chemical1257"}


topic_name: Auto accident
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1f1us/auto_accident/
collected_at: 2026-02-12T00:05:44.256834+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1f1us", "score": 1, "num_comments": 7, "created_utc": 1770761765.0, "selftext": "I was involved in an auto accident in michigan where I was rear ended. The other driver was ticketed and I was not. Im in my early 20s. I suffered a concussion, T-1 fracture and lower back disc slippage and a few other minor injuries. Due to this ive lost my car, and my job. ive hired an attorney. Realistically what's the time frame and possible settlement range I can expect. ", "sort": "hot", "upvote_ratio": 1.0, "author": "Distinct-Pianist-885"}

selftext:
I was involved in an auto accident in michigan where I was rear ended. The other driver was ticketed and I was not. Im in my early 20s. I suffered a concussion, T-1 fracture and lower back disc slippage and a few other minor injuries. Due to this ive lost my car, and my job. ive hired an attorney. Realistically what's the time frame and possible settlement range I can expect. 


topic_name: Worth Hiring an Appraiser for a Lowball Total Loss Offer?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qnyzue/worth_hiring_an_appraiser_for_a_lowball_total/
collected_at: 2026-02-12T00:05:47.658523+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qnyzue", "score": 7, "num_comments": 29, "created_utc": 1769475434.0, "selftext": "UPDATE: Thank you everyone who responded, you encouraged us to move forward with the appraisal clause and we were able to get an additional $3.5k. It was so helpful to read your comments and feel supported throughout this, so truly, thank you again!!\n\n\u2014\u2014\n\nProgressive has deemed my boyfriend\u2019s car a total loss, but the comps they chose seem unfair. I know they\u2019re in business to make money, which is why I\u2019m asking here if it\u2019s worth invoking the appraisal clause for this? This is in California.\n\nT", "sort": "top", "upvote_ratio": 0.68, "author": "EmploymentEffective"}

selftext:
UPDATE: Thank you everyone who responded, you encouraged us to move forward with the appraisal clause and we were able to get an additional $3.5k. It was so helpful to read your comments and feel supported throughout this, so truly, thank you again!!

——

Progressive has deemed my boyfriend’s car a total loss, but the comps they chose seem unfair. I know they’re in business to make money, which is why I’m asking here if it’s worth invoking the appraisal clause for this? This is in California.

T


topic_name: Don't like your ads? give us your private info so we can keep giving you more ads as a feature!
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1jdiwnr/dont_like_your_ads_give_us_your_private_info_so/
collected_at: 2026-02-12T00:05:53.366491+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1jdiwnr", "score": 31, "num_comments": 3, "created_utc": 1742233801.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.86, "author": "tktoaster"}


topic_name: Heated Blankets are a Home Heating Game Changer
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qucupf/heated_blankets_are_a_home_heating_game_changer/
collected_at: 2026-02-12T00:06:01.657102+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qucupf", "score": 3132, "num_comments": 294, "created_utc": 1770078388.0, "selftext": "I don\u2019t know how I waited so long to get one! I have turned down my heat more than 5 degrees and I\u2019m still warm and cozy on the couch or in bed and when I\u2019m walking around doing chores the colder temp doesn\u2019t bother me. I got my first utility bill after switching and the blanket has already paid for itself twice over. \n\nDon\u2019t sleep (pun intended) or the \u201cwarm yourself not the room\u201d hype. It\u2019s real. It works. My toes are so happy and I\u2019m getting my mom one for Mother\u2019s Day.  All the wool sweaters", "sort": "hot", "upvote_ratio": 0.98, "author": "trashpandorasbox"}

selftext:
I don’t know how I waited so long to get one! I have turned down my heat more than 5 degrees and I’m still warm and cozy on the couch or in bed and when I’m walking around doing chores the colder temp doesn’t bother me. I got my first utility bill after switching and the blanket has already paid for itself twice over. 

Don’t sleep (pun intended) or the “warm yourself not the room” hype. It’s real. It works. My toes are so happy and I’m getting my mom one for Mother’s Day.  All the wool sweaters


topic_name: The Dutch "flessenlikker" or bottle licker to not waste food
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qi9i6e/the_dutch_flessenlikker_or_bottle_licker_to_not/
collected_at: 2026-02-12T00:06:05.044666+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qi9i6e", "score": 189, "num_comments": 30, "created_utc": 1768934454.0, "selftext": "I was told that this would be a good place to share this too after sharing in a different subreddit.\n\nIt is a flessenlikker, or bottle licker, a very Dutch kitchen item.\nNot for cleaning!\nUse it to scrape empty bottles (and jars) to not waste food/sauce.\n\nThink ketchup, pasta sauce, mayo, peanut butter, garlic sauce, etc. Don't leave several servings in there, but empty it and eat it all! \n\n", "sort": "top", "upvote_ratio": 0.9, "author": "CharmedWoo"}

selftext:
I was told that this would be a good place to share this too after sharing in a different subreddit.

It is a flessenlikker, or bottle licker, a very Dutch kitchen item.
Not for cleaning!
Use it to scrape empty bottles (and jars) to not waste food/sauce.

Think ketchup, pasta sauce, mayo, peanut butter, garlic sauce, etc. Don't leave several servings in there, but empty it and eat it all! 


topic_name: Daily Driver CC Dilemma 21 yo
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1ix4d/daily_driver_cc_dilemma_21_yo/
collected_at: 2026-02-12T00:06:10.588061+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1ix4d", "score": 3, "num_comments": 2, "created_utc": 1770771220.0, "selftext": "* Current cards: (list cards, limits, opening date)\n   * Chase Freedom Rise $2,500 limit 6/23\n   * Chase Freedom Unlimited $3,800 limit 1/24\n   * American Express Gold $N/A limit 7/24\n   * BILT Blue Card $500 limit (pissed at this, down from $2000) 11/24, recently reopened\n   * Wells Fargo Autograph $2000 limit 5/25\n* FICO Score: 760\n* Oldest account age: *2y7mo*\n* Chase 5/24 status: *ok*\n* Income: working co-op internship until august then will be supported by parents, will be around 4,000/mo u", "sort": "hot", "upvote_ratio": 1.0, "author": "Low-Term-3108"}

selftext:
* Current cards: (list cards, limits, opening date)
   * Chase Freedom Rise $2,500 limit 6/23
   * Chase Freedom Unlimited $3,800 limit 1/24
   * American Express Gold $N/A limit 7/24
   * BILT Blue Card $500 limit (pissed at this, down from $2000) 11/24, recently reopened
   * Wells Fargo Autograph $2000 limit 5/25
* FICO Score: 760
* Oldest account age: *2y7mo*
* Chase 5/24 status: *ok*
* Income: working co-op internship until august then will be supported by parents, will be around 4,000/mo u


topic_name: The new rent card after Bilt 2.0?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qpf18y/the_new_rent_card_after_bilt_20/
collected_at: 2026-02-12T00:06:13.782252+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qpf18y", "score": 61, "num_comments": 78, "created_utc": 1769615485.0, "selftext": "Anyone else looking for a new rent card after Bilt 2.0? There are a few debit cards that have 1% cash back, but is there anything better or are we out of luck now that Bilt 2.0 is here?", "sort": "top", "upvote_ratio": 0.8, "author": "SocialCodeAnxiety"}

selftext:
Anyone else looking for a new rent card after Bilt 2.0? There are a few debit cards that have 1% cash back, but is there anything better or are we out of luck now that Bilt 2.0 is here?


topic_name: Tenants rights advice for learning lease termination -CA
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r27x4v/tenants_rights_advice_for_learning_lease/
collected_at: 2026-02-12T00:06:18.921051+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r27x4v", "score": 1, "num_comments": 4, "created_utc": 1770840127.0, "selftext": "Location: California \n\nI am currently renting a studio on a property with multiple studios. \n\nIn the last 6 months, my neighbor has been not been paying rent. She has started to harass me and the other tenants. She has violently banged on my wall, on my door and cussed at me (I have recordings). She has violently attacked one of the other tenants as well as stolen from others. We have notified the police twice, but they are useless.\n\nWe have put the landlord and property manager on notice for mo", "sort": "hot", "upvote_ratio": 1.0, "author": "Tough_Top956"}

selftext:
Location: California 

I am currently renting a studio on a property with multiple studios. 

In the last 6 months, my neighbor has been not been paying rent. She has started to harass me and the other tenants. She has violently banged on my wall, on my door and cussed at me (I have recordings). She has violently attacked one of the other tenants as well as stolen from others. We have notified the police twice, but they are useless.

We have put the landlord and property manager on notice for mo


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qorqw8/my_landlord_is_planning_to_charge_all_the_units/
collected_at: 2026-02-12T00:06:22.356713+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
My landlord is planning to charge all the units in my building a $500/month smoking violation fee until they deem the entire building is 100% smoke free

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qorqw8", "score": 505, "num_comments": 33, "created_utc": 1769550445.0, "selftext": "Location: New Jersey, USA, Essex County\n\nThe landlord sent out an email to all tenants, including myself, stating they will search thru all the units on 1/31/2026 and subsequently begins charging all tenants a $500/month smoking violation fee until they find the tenant(s) responsible \n\nWhen we first moved into this unit, my wife complained to them about the smell of cigarette smoke and guy at the office admitted to knowing who the tenant responsible was and said that they\u2019re already paying a smo", "sort": "top", "upvote_ratio": 0.96, "author": "cosmicazi"}

selftext:
Location: New Jersey, USA, Essex County

The landlord sent out an email to all tenants, including myself, stating they will search thru all the units on 1/31/2026 and subsequently begins charging all tenants a $500/month smoking violation fee until they find the tenant(s) responsible 

When we first moved into this unit, my wife complained to them about the smell of cigarette smoke and guy at the office admitted to knowing who the tenant responsible was and said that they’re already paying a smo


topic_name: LPT: Slathering your face in Vaseline when it’s very cold / high wind chill
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qocvvn/lpt_slathering_your_face_in_vaseline_when_its/
collected_at: 2026-02-12T00:06:28.286226+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qocvvn", "score": 1817, "num_comments": 258, "created_utc": 1769517995.0, "selftext": "The occlusive nature of Vaseline (or any petrolatum skin topical) acts as a barrier between the air and your skin, locking in moisture and protecting it from harsh winds. I don\u2019t feel any windburn when I do this, and my skin sometimes peels on my nose when dry, but this prevents that. I personally prefer Aquaphor over Vaseline, but it\u2019s up to personal preference! They\u2019re also both non-comedogenic, but I know some peoples\u2019 skins react differently. My mom used to do this for us when we were younge", "sort": "hot", "upvote_ratio": 0.94, "author": "rublia"}

selftext:
The occlusive nature of Vaseline (or any petrolatum skin topical) acts as a barrier between the air and your skin, locking in moisture and protecting it from harsh winds. I don’t feel any windburn when I do this, and my skin sometimes peels on my nose when dry, but this prevents that. I personally prefer Aquaphor over Vaseline, but it’s up to personal preference! They’re also both non-comedogenic, but I know some peoples’ skins react differently. My mom used to do this for us when we were younge


source: reddit
region: global
collected_at: 2026-02-12T00:06:31.302212+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT If you find something that makes you laugh to the point of crying, save it somewhere, to build a folder that will always make you laugh

url:
https://reddit.com/r/LifeProTips/comments/1qemqu7/lpt_if_you_find_something_that_makes_you_laugh_to/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qemqu7", "score": 783, "num_comments": 43, "created_utc": 1768585425.0, "selftext": "Save every YouTube video, meme, TikTok or anything that makes you cry laugh like never before, on your device, your own discord or any cloud storage for that matter!\n\nDon't just save the links to the pictures or the videos, download them to avoid losing them because of deletion...\n\nAfter a few months, you will have a whole place dedicated to your humor, that will make you laugh every time, furthermore, you'll eventually forget some of the stuff in it, and you'll discover it again every time you'", "sort": "top", "upvote_ratio": 0.96, "author": "Puypuy15"}

selftext:
Save every YouTube video, meme, TikTok or anything that makes you cry laugh like never before, on your device, your own discord or any cloud storage for that matter!

Don't just save the links to the pictures or the videos, download them to avoid losing them because of deletion...

After a few months, you will have a whole place dedicated to your humor, that will make you laugh every time, furthermore, you'll eventually forget some of the stuff in it, and you'll discover it again every time you'


topic_name: Beard trimmer suggests under ₹1500?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0q5av/beard_trimmer_suggests_under_1500/
collected_at: 2026-02-12T00:06:36.789848+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0q5av", "score": 0, "num_comments": 3, "created_utc": 1770694997.0, "selftext": "My beard is dense, so I need sharp blades \n\nPhilips don't have those sharp blades, so suggest me anything but philips ", "sort": "hot", "upvote_ratio": 0.27, "author": "GhostxUchiha"}

selftext:
My beard is dense, so I need sharp blades 

Philips don't have those sharp blades, so suggest me anything but philips 


topic_name: Commissioned someone to do me a leather briefcase better than Saddleback Leather’s, and they did
source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492494+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qvqgud/commissioned_someone_to_do_me_a_leather_briefcase/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qvqgud", "score": 266, "num_comments": 32, "created_utc": 1770216425.0, "selftext": "", "sort": "top", "upvote_ratio": 0.94, "author": "iaacornus"}


topic_name: Silent keyboard SURPRISE 😮 #customkeyboard #keyboard #silentkeyboard
source: youtube
region: US
url: https://youtube.com/watch?v=IBeY1yyEr-M
collected_at: 2026-02-12T00:04:31.072153
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "IBeY1yyEr-M", "channel": "Hipyo Tech", "category": "Science & Technology", "category_id": 28, "views": "3389381", "view_count": 3389381, "likes": "62127", "published_at": "2026-01-28T00:05:20Z"}


topic_name: Roth IRA vs HYSA, and how do I balance those with other necessary spending?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815094+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r2394m/roth_ira_vs_hysa_and_how_do_i_balance_those_with/

metadata:
{"subreddit": "personalfinance", "post_id": "1r2394m", "score": 0, "num_comments": 14, "created_utc": 1770830093.0, "selftext": "I am about to turn 25, and I just opened my first HYSA (I went with Ally) and want to also look into opening a Roth IRA. I know the best time would\u2019ve been years ago, but second best time is now.\n\nI work at a firm where half of the year is spent in full time, and the other half is part time. Full time I take home about 2,900 a month and part time I took home about 1,950 (but I foresee that increasing in the coming months). each month I have about 1,750 dollars worth of necessary spending (rent, ", "sort": "hot", "upvote_ratio": 0.5, "author": "MarionberryFearless8"}

selftext:
I am about to turn 25, and I just opened my first HYSA (I went with Ally) and want to also look into opening a Roth IRA. I know the best time would’ve been years ago, but second best time is now.

I work at a firm where half of the year is spent in full time, and the other half is part time. Full time I take home about 2,900 a month and part time I took home about 1,950 (but I foresee that increasing in the coming months). each month I have about 1,750 dollars worth of necessary spending (rent, 


source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qx6c2p/sister_says_my_budget_is_a_nonstarter_for_a/
collected_at: 2026-02-12T00:04:45.418364+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Sister says my budget is a non-starter for a potential job offer + moving. I genuinely don't understand why?

metadata:
{"subreddit": "personalfinance", "post_id": "1qx6c2p", "score": 188, "num_comments": 399, "created_utc": 1770347612.0, "selftext": "[Image form](https://imgur.com/a/FsU0sSd) \n\nI was asked by my sister to make a mock budget for a potential job offer I told her about and was told this is essentially a non-starter i.e. a move I shouldn't even consider. I'm trying to assess why she could possibly think this and hoping to receive advice to support accepting a potential offer, before actually asking for her reasons.\n\nIt truly doesn't make sense to me, as I'd be left with $1250 a month, to save or spend. Is that way too low or some", "sort": "top", "upvote_ratio": 0.81, "author": "thesagenibba"}

selftext:
[Image form](https://imgur.com/a/FsU0sSd) 

I was asked by my sister to make a mock budget for a potential job offer I told her about and was told this is essentially a non-starter i.e. a move I shouldn't even consider. I'm trying to assess why she could possibly think this and hoping to receive advice to support accepting a potential offer, before actually asking for her reasons.

It truly doesn't make sense to me, as I'd be left with $1250 a month, to save or spend. Is that way too low or some


topic_name: Need advice on if I should keep my car or trade it in for a newer one
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzepfg/need_advice_on_if_i_should_keep_my_car_or_trade/
collected_at: 2026-02-12T00:04:50.635911+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzepfg", "score": 1, "num_comments": 5, "created_utc": 1770571111.0, "selftext": "I have a 2012 Honda Civic with 148,000 miles on it. It's a FWD, 2 door coupe. I've recently found out that a lot of suspension components (struts, tie rod ends, upper control arms, sway bar links, and shocks) have dry rotted and will need to be replaced soon. \n\nThe repairs would cost around $4k, but my mechanic did tell me we could just repair the front suspension components first ($2.6k) and then slowly work on the rear components later ($1.3k). \n\nBesides some squeaking and popping noises due t", "sort": "hot", "upvote_ratio": 0.67, "author": "FickleStrawberry79"}

selftext:
I have a 2012 Honda Civic with 148,000 miles on it. It's a FWD, 2 door coupe. I've recently found out that a lot of suspension components (struts, tie rod ends, upper control arms, sway bar links, and shocks) have dry rotted and will need to be replaced soon. 

The repairs would cost around $4k, but my mechanic did tell me we could just repair the front suspension components first ($2.6k) and then slowly work on the rear components later ($1.3k). 

Besides some squeaking and popping noises due t


topic_name: Ettiquette for requesting a different salesperson?
source: reddit
region: global
collected_at: 2026-02-12T00:04:53.860502+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1qw0txy/ettiquette_for_requesting_a_different_salesperson/

metadata:
{"subreddit": "askcarsales", "post_id": "1qw0txy", "score": 8, "num_comments": 28, "created_utc": 1770238879.0, "selftext": "So I've been emailing someone about a vehicle on a lot for a couple of days. Things turned weird and they suddenly got pushy and asking about things that I have no interest in (I started the conversation with this is what I want and this is my firm budget).  \n\nI still want the car; I'd just prefer to not deal with that saleperson. I buy enough vehicles to know that I've most likely been assigned to them in the system. Is it going to cause issues if I just show up and start working with someone e", "sort": "top", "upvote_ratio": 0.68, "author": "boomerinspirit"}

selftext:
So I've been emailing someone about a vehicle on a lot for a couple of days. Things turned weird and they suddenly got pushy and asking about things that I have no interest in (I started the conversation with this is what I want and this is my firm budget).  

I still want the car; I'd just prefer to not deal with that saleperson. I buy enough vehicles to know that I've most likely been assigned to them in the system. Is it going to cause issues if I just show up and start working with someone e


topic_name: Finacial Aid
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r16w9r/finacial_aid/
collected_at: 2026-02-12T00:04:59.457677+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r16w9r", "score": 0, "num_comments": 20, "created_utc": 1770744066.0, "selftext": "My 2022 honda insights needs a new engine. It wont be covered by warranty it all has to be out of pocket. I already owe $24,000 for the car and itll take $2000 just to get the work started. Does anyone know how to handle this situation or a way to help? ", "sort": "hot", "upvote_ratio": 0.33, "author": "AnthonyRub"}

selftext:
My 2022 honda insights needs a new engine. It wont be covered by warranty it all has to be out of pocket. I already owe $24,000 for the car and itll take $2000 just to get the work started. Does anyone know how to handle this situation or a way to help? 


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489392+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
Shopped at Dollar General Market for the first time and was surprised at the low quality of products

url:
https://reddit.com/r/povertyfinance/comments/1qvzkqy/shopped_at_dollar_general_market_for_the_first/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qvzkqy", "score": 459, "num_comments": 96, "created_utc": 1770236156.0, "selftext": "Budget has been getting tighter so last week I decided to stop at a new Dollar General Market that opened up by my house instead of going to Walmart/Giant.\n\nI got the usual stuff, some fruit, meat, bread, condiments. \n\nEverything looked normal but once I started eating stuff at home I noticed a difference in quality.\n\nFruit just tasted a little odd, not horrible, but just a little off normal. Grapes were super small and tasted almost candy sweet but not in a good way. Apples were starchy and not", "sort": "top", "upvote_ratio": 0.91, "author": "NewAmphibian3877"}

selftext:
Budget has been getting tighter so last week I decided to stop at a new Dollar General Market that opened up by my house instead of going to Walmart/Giant.

I got the usual stuff, some fruit, meat, bread, condiments. 

Everything looked normal but once I started eating stuff at home I noticed a difference in quality.

Fruit just tasted a little odd, not horrible, but just a little off normal. Grapes were super small and tasted almost candy sweet but not in a good way. Apples were starchy and not


topic_name: Found a scam website https://tryluno.shop/?country=US
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r16f81/found_a_scam_website_httpstrylunoshopcountryus/
collected_at: 2026-02-12T00:05:08.886885+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r16f81", "score": 0, "num_comments": 7, "created_utc": 1770743042.0, "selftext": "soooo I kept seeing ads on Instagram for this iPad like mp3 player called Luno and after about the 10th time I folded and went on the site. now in hindsight there were alot of red flags that I kinda ignored which yea is my bad. like the \"new years sale - ends at midnight\" that was still on in February, or the \"Luno classic\" mp3 player that was show in pictures as a INNIOASIS \ud83d\ude11 so yea I ordered the 2x option for $129.99 which included an SD card and a subscription they didnt tell me about until a", "sort": "hot", "upvote_ratio": 0.31, "author": "These-Cost-8879"}

selftext:
soooo I kept seeing ads on Instagram for this iPad like mp3 player called Luno and after about the 10th time I folded and went on the site. now in hindsight there were alot of red flags that I kinda ignored which yea is my bad. like the "new years sale - ends at midnight" that was still on in February, or the "Luno classic" mp3 player that was show in pictures as a INNIOASIS 😑 so yea I ordered the 2x option for $129.99 which included an SD card and a subscription they didnt tell me about until a


topic_name: [U. S.] Possible church inheritance scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qdp2nn/u_s_possible_church_inheritance_scam/
collected_at: 2026-02-12T00:05:12.359046+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qdp2nn", "score": 51, "num_comments": 73, "created_utc": 1768496493.0, "selftext": "Hey, scam detectors:\n\nI am a pastor of a church. One of our members (who is also a member of another church) passed away in November. \n\nOur church received an email from a financial institution saying that the deceased has remembered us in his will. (not uncommon at all)\n\nThey said they needed a contact person for this and to get some information from us. We usually get the treasurer to do this. but my scam senses were tingling. \n\nWhen people remember us in their will, we usually get a letter fr", "sort": "top", "upvote_ratio": 0.92, "author": "canfullofworms"}

selftext:
Hey, scam detectors:

I am a pastor of a church. One of our members (who is also a member of another church) passed away in November. 

Our church received an email from a financial institution saying that the deceased has remembered us in his will. (not uncommon at all)

They said they needed a contact person for this and to get some information from us. We usually get the treasurer to do this. but my scam senses were tingling. 

When people remember us in their will, we usually get a letter fr


topic_name: Microsoft reveresed the scale to catch users instinctively clicking left for a low rating.
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1onsyt2/microsoft_reveresed_the_scale_to_catch_users/
collected_at: 2026-02-12T00:05:17.889944+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1onsyt2", "score": 3249, "num_comments": 70, "created_utc": 1762215794.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "distracted6"}


topic_name: Thrive and Monat uplines have given up on her.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qd4c7n/thrive_and_monat_uplines_have_given_up_on_her/
collected_at: 2026-02-12T00:05:30.135239+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qd4c7n", "score": 78, "num_comments": 16, "created_utc": 1768436400.0, "selftext": "", "sort": "top", "upvote_ratio": 1.0, "author": "odoyle66"}


topic_name: Damage headliner during repairs.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1elre/damage_headliner_during_repairs/
collected_at: 2026-02-12T00:05:44.256837+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1elre", "score": 1, "num_comments": 8, "created_utc": 1770760751.0, "selftext": "Hello,\n\nI\u2019m in North Carolina and have Progressive auto insurance.\n\nMy vehicle was:\n\n* towed from my house couple days after the incident,\n* taken to a salvage yard,\n* then transported to Caliber Collision (Progressive preferred shop) for repairs.\n\nBefore towing, the headliner was intact (I have photos from the day they towed, but progressive told me as you increase the size where damage is its blurry).  \nAfter repairs, the headliner has visible foam compression damage that was not present befor", "sort": "hot", "upvote_ratio": 1.0, "author": "kuchuxa"}

selftext:
Hello,

I’m in North Carolina and have Progressive auto insurance.

My vehicle was:

* towed from my house couple days after the incident,
* taken to a salvage yard,
* then transported to Caliber Collision (Progressive preferred shop) for repairs.

Before towing, the headliner was intact (I have photos from the day they towed, but progressive told me as you increase the size where damage is its blurry).  
After repairs, the headliner has visible foam compression damage that was not present befor


topic_name: E-Premium says I have to take action, but I don't have a policy with them
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1ql0xte/epremium_says_i_have_to_take_action_but_i_dont/
collected_at: 2026-02-12T00:05:47.658526+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1ql0xte", "score": 7, "num_comments": 10, "created_utc": 1769197724.0, "selftext": "Hey folks. So I have a renters insurance policy with MSI. Apparently there was recently a change with MSI and some group called EPremium. A week ago I received an email from MSI, saying my policy was still in effect and there was no change. \n\nThis morning, I got an email from Epremium.\n\n\"Dear Valued Customer,  \n  \nWe understand you may have recently received an email from MSI regarding the conclusion of our partnership. While it is true that ePremium\u00ae Insurance Agency and MSI are no longer worki", "sort": "top", "upvote_ratio": 0.83, "author": "RustandSilver"}

selftext:
Hey folks. So I have a renters insurance policy with MSI. Apparently there was recently a change with MSI and some group called EPremium. A week ago I received an email from MSI, saying my policy was still in effect and there was no change. 

This morning, I got an email from Epremium.

"Dear Valued Customer,  
  
We understand you may have recently received an email from MSI regarding the conclusion of our partnership. While it is true that ePremium® Insurance Agency and MSI are no longer worki


source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366494+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
topic_name:
Not only does Reddit repeatedly force you to New Reddit from old, which then tries to force the app on you, it now features post-redirect shaming when you inevitably swipe away the App Store before it can load.

url:
https://reddit.com/r/darkpatterns/comments/1j5a7hx/not_only_does_reddit_repeatedly_force_you_to_new/

metadata:
{"subreddit": "darkpatterns", "post_id": "1j5a7hx", "score": 48, "num_comments": 4, "created_utc": 1741305941.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "CamStLouis"}


topic_name: Any frugal tips for my fellow ladies?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1quivjk/any_frugal_tips_for_my_fellow_ladies/
collected_at: 2026-02-12T00:06:01.657105+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1quivjk", "score": 897, "num_comments": 563, "created_utc": 1770094746.0, "selftext": "Any tips for frugal women out there?\n\nI will start:\n\n\\- microfibre cloth for makeup removal; it\u2019s crazy how few people know about these! A pack for the price of soap and you will never need to buy makeup remover wipes again.\n\n\\- doing my own gel polish and extensions - I have been doing this for 7 years and you do get good even with the non-dominant hand! You need some things to start (such as nail drill) but gel polish is super easy to do and a bottle costs like 1/5 of salon visit. Plus you do ", "sort": "hot", "upvote_ratio": 0.95, "author": "Liz_kirby"}

selftext:
Any tips for frugal women out there?

I will start:

\- microfibre cloth for makeup removal; it’s crazy how few people know about these! A pack for the price of soap and you will never need to buy makeup remover wipes again.

\- doing my own gel polish and extensions - I have been doing this for 7 years and you do get good even with the non-dominant hand! You need some things to start (such as nail drill) but gel polish is super easy to do and a bottle costs like 1/5 of salon visit. Plus you do 


topic_name: Trying to overcome the mental barrier of not eating out on days spent visiting different cities
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qenrfo/trying_to_overcome_the_mental_barrier_of_not/
collected_at: 2026-02-12T00:06:05.044670+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qenrfo", "score": 181, "num_comments": 222, "created_utc": 1768587577.0, "selftext": "TLDR \n\nWe hate eating peanutbutter and jelly, tuna, or egg sandwiches. What can we pack that would be exciting to eat on a day out and about at a major city near us where food prices are nuts?\n\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\nI live about an hour away from a major city in the US. sometimes I like to take my family and go visit the city. It's exciting to see the things, do the stuff, and eat the food.\n\nHowever, due to creeping prices, especially food, this has gotten", "sort": "top", "upvote_ratio": 0.88, "author": "greatexpectations23"}

selftext:
TLDR 

We hate eating peanutbutter and jelly, tuna, or egg sandwiches. What can we pack that would be exciting to eat on a day out and about at a major city near us where food prices are nuts?

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

I live about an hour away from a major city in the US. sometimes I like to take my family and go visit the city. It's exciting to see the things, do the stuff, and eat the food.

However, due to creeping prices, especially food, this has gotten


topic_name: Unsure what card to get to put wedding payments on. Help?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1ltjx/unsure_what_card_to_get_to_put_wedding_payments/
collected_at: 2026-02-12T00:06:10.588064+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1ltjx", "score": 2, "num_comments": 2, "created_utc": 1770778995.0, "selftext": "Current FICO 720\n\nCiti Double Cash back at 15k limit.  Wells Fargo Reflect at 15k\n\nSo getting married and I want a CC to out wedding purchases on to help get travel credits for honeymoon(looking at Japan).\n\nI don\u2019t want to get a travel credit card specifically because we don\u2019t travel THAT much. Maybe a flight or three a year with hotel stays.\n\nWe eat out on the weekends and spend $130 a week on groceries. Gas isn\u2019t crazy since I work from home and she does commute, but not far. Don\u2019t put rent on", "sort": "hot", "upvote_ratio": 0.75, "author": "jagfanjosh3252"}

selftext:
Current FICO 720

Citi Double Cash back at 15k limit.  Wells Fargo Reflect at 15k

So getting married and I want a CC to out wedding purchases on to help get travel credits for honeymoon(looking at Japan).

I don’t want to get a travel credit card specifically because we don’t travel THAT much. Maybe a flight or three a year with hotel stays.

We eat out on the weekends and spend $130 a week on groceries. Gas isn’t crazy since I work from home and she does commute, but not far. Don’t put rent on


topic_name: For the love of all that’s good.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qnze36/for_the_love_of_all_thats_good/
collected_at: 2026-02-12T00:06:13.782255+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qnze36", "score": 59, "num_comments": 49, "created_utc": 1769476446.0, "selftext": "Please stop applying for the following if you are and teach others not to do the same. \n\nThese credit cards are not only predatory but will jack up your credit for a long time if you miss payments and they really don\u2019t offer any great benefits. \n\n\n\nCredit One\n\nIndigo (Card of death)\n\nMerrick Bank\n\nAny others you can think of? \n\n\n\n", "sort": "top", "upvote_ratio": 0.85, "author": "No_Patience3124"}

selftext:
Please stop applying for the following if you are and teach others not to do the same. 

These credit cards are not only predatory but will jack up your credit for a long time if you miss payments and they really don’t offer any great benefits. 



Credit One

Indigo (Card of death)

Merrick Bank

Any others you can think of? 


topic_name: Widowed,Robbed and now might loose USA citizenship.
source: reddit
region: global
collected_at: 2026-02-12T00:06:18.921055+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1r27kpd/widowedrobbed_and_now_might_loose_usa_citizenship/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r27kpd", "score": 0, "num_comments": 3, "created_utc": 1770839376.0, "selftext": "I'm from Asia and was married 10 years ago and came to America until my husband died in 2019. I'm very ignorant with USA laws so when my mother In law told me right after my husband died she bought me a plane ticket and told me to change my last name, took me to close my bank account, and that I couldn't stay in had to go back to Asia I didn't know or understand. My entire life was destroyed everything gone and I meet a American man in 2024 and he told me you don't loose citizenship if someone d", "sort": "hot", "upvote_ratio": 0.43, "author": "pleasepoz"}

selftext:
I'm from Asia and was married 10 years ago and came to America until my husband died in 2019. I'm very ignorant with USA laws so when my mother In law told me right after my husband died she bought me a plane ticket and told me to change my last name, took me to close my bank account, and that I couldn't stay in had to go back to Asia I didn't know or understand. My entire life was destroyed everything gone and I meet a American man in 2024 and he told me you don't loose citizenship if someone d


topic_name: Can my boyfriend’s family take items legally without my consent?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qujwxj/can_my_boyfriends_family_take_items_legally/
collected_at: 2026-02-12T00:06:22.356717+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qujwxj", "score": 502, "num_comments": 24, "created_utc": 1770098038.0, "selftext": "Location: Washington \n\nWe\u2019ve lived together on our own far away from his family for over 3 years\nBoyfriend has passed away\nTheir family is now trying to seize items\nNo proper documentation has been shown to me over estate owner/will in his name \n\nAll I wanted was a camera and some memories we paid for together, the camera was 10k that we went in on together. \nHis mother decided to take the camera, along with the SD cards which has intimate memories and adventures we went on together \n\nWhat can I", "sort": "top", "upvote_ratio": 0.94, "author": "ThrowRAwareJellyfish"}

selftext:
Location: Washington 

We’ve lived together on our own far away from his family for over 3 years
Boyfriend has passed away
Their family is now trying to seize items
No proper documentation has been shown to me over estate owner/will in his name 

All I wanted was a camera and some memories we paid for together, the camera was 10k that we went in on together. 
His mother decided to take the camera, along with the SD cards which has intimate memories and adventures we went on together 

What can I


topic_name: LPT: End your day with a two line restart note.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qoicl2/lpt_end_your_day_with_a_two_line_restart_note/
collected_at: 2026-02-12T00:06:28.286231+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qoicl2", "score": 381, "num_comments": 7, "created_utc": 1769530765.0, "selftext": "Before I stop work, I write two lines.\n\nLine 1: Where I stopped.\n\nLine 2: The next tiny action.\n\nExample for self work:\n\nStopped after outlining the blog post.\n\nNext action: write the first 3 lines of the intro and add 2 headings.\n\nExample for management:\n\nStopped after reviewing the Q1 budget draft.\n\nNext action: send the two open questions to Finance and schedule a 15 minute decision call for Thursday.\n\nNext day I start in seconds instead of rereading and delaying.", "sort": "hot", "upvote_ratio": 0.95, "author": "gamersecret2"}

selftext:
Before I stop work, I write two lines.

Line 1: Where I stopped.

Line 2: The next tiny action.

Example for self work:

Stopped after outlining the blog post.

Next action: write the first 3 lines of the intro and add 2 headings.

Example for management:

Stopped after reviewing the Q1 budget draft.

Next action: send the two open questions to Finance and schedule a 15 minute decision call for Thursday.

Next day I start in seconds instead of rereading and delaying.


topic_name: Glass container that will fit in Stanley All Day Mini Lunch Box?
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789851+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qzz5zt/glass_container_that_will_fit_in_stanley_all_day/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzz5zt", "score": 4, "num_comments": 2, "created_utc": 1770626929.0, "selftext": "Looking for suggestions for a glass container that fits the dimensions of the Mini Lunch Box (10.23\" L x 3.74\" W x 6.89\"). That\u2019s the size for the 4.3 model.\n\nLooking to keep my food warm until lunchtime. The Stanley Useful Box doesn\u2019t seem ideal, in case I need to reheat my food for whatever reason.", "sort": "hot", "upvote_ratio": 0.67, "author": "Fairy-Wolf13"}

selftext:
Looking for suggestions for a glass container that fits the dimensions of the Mini Lunch Box (10.23" L x 3.74" W x 6.89"). That’s the size for the 4.3 model.

Looking to keep my food warm until lunchtime. The Stanley Useful Box doesn’t seem ideal, in case I need to reheat my food for whatever reason.


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qj8dqv/thoughts_on_nordic_ware_aluminum_baking_sheets/
collected_at: 2026-02-12T00:06:40.492499+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
Thoughts on Nordic Ware aluminum baking sheets? Water gets trapped in the folded rim - is this normal?

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qj8dqv", "score": 265, "num_comments": 79, "created_utc": 1769025412.0, "selftext": "I bought a couple of Nordic Ware aluminum baking sheets (from Walmart here in Canada) and overall they\u2019re great quality\u2026 except for one annoying thing.\n\nAfter washing, water gets trapped in the folded rim/edge of the sheet (photo attached). It won\u2019t fully drain on its own. I read online that some people just dry them in the oven at low heat to evaporate the leftover water, and I tried that. It works, but the whole thing feels like a design flaw that I\u2019ve never had to deal with on any other pans ", "sort": "top", "upvote_ratio": 0.91, "author": "whatwasthereasonnnn"}

selftext:
I bought a couple of Nordic Ware aluminum baking sheets (from Walmart here in Canada) and overall they’re great quality… except for one annoying thing.

After washing, water gets trapped in the folded rim/edge of the sheet (photo attached). It won’t fully drain on its own. I read online that some people just dry them in the oven at low heat to evaporate the leftover water, and I tried that. It works, but the whole thing feels like a design flaw that I’ve never had to deal with on any other pans 


topic_name: 7 Years FIRE'd and My First Romance (42M)
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qehdjt/7_years_fired_and_my_first_romance_42m/
collected_at: 2026-02-12T00:06:47.000207+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qehdjt", "score": 563, "num_comments": 179, "created_utc": 1768573630.0, "selftext": "**T**his year I got into to my first romantic relationship at the ripe age of 41, picked up two new hobbies, had tons of outdoor adventures, travelled a bunch, and had to come out again. Read on to find out more!\n\n# TL;DR\n\n* 42/M SINK renting in the SF Bay Area, formerly in IT Consulting and FIRE'd in January 2019 with $1.10M\n* Net worth in 2025 increased +$270K from $2.09M to $2.36M (1/1/2026)\n* Spent $43K which is a 1.8% withdrawal rate in addition to donating $15K in large gifts\n* Spent 146 n", "sort": "hot", "upvote_ratio": 0.88, "author": "hungn3"}

selftext:
**T**his year I got into to my first romantic relationship at the ripe age of 41, picked up two new hobbies, had tons of outdoor adventures, travelled a bunch, and had to come out again. Read on to find out more!

# TL;DR

* 42/M SINK renting in the SF Bay Area, formerly in IT Consulting and FIRE'd in January 2019 with $1.10M
* Net worth in 2025 increased +$270K from $2.09M to $2.36M (1/1/2026)
* Spent $43K which is a 1.8% withdrawal rate in addition to donating $15K in large gifts
* Spent 146 n


topic_name: ONE PIECE: Season 2 | Official Trailer | Netflix
source: youtube
region: US
url: https://youtube.com/watch?v=S-XxKVxZ2fU
collected_at: 2026-02-12T00:04:30.176639
autocomplete: []
category: General/Mixed
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "S-XxKVxZ2fU", "channel": "Netflix", "category": "General/Mixed", "category_id": null, "views": "3365501", "view_count": 3365501, "likes": "169050", "published_at": "2026-02-10T14:00:02Z"}


topic_name: Roth IRA Income Phase-Out Range - Overcontribution
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815098+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r238ap/roth_ira_income_phaseout_range_overcontribution/

metadata:
{"subreddit": "personalfinance", "post_id": "1r238ap", "score": 1, "num_comments": 4, "created_utc": 1770830047.0, "selftext": "My spouse and I are just barely in Roth IRA income phase out - 2025 MAGI is 237k (MFJ). We are already maxing out 401ks and HSAs. We each contributed the full $7000 to our Roth IRAs in August 2025. We do not have any money in traditional IRAs, so we can utilize the backdoor Roth going forward.\n\nUnfortunately, my spouse already filed our 2025 taxes without reporting the Roth IRA contributions since they didn't realize we were in the phase-out range.\n\n1. I calculated we were eligible to contribute", "sort": "hot", "upvote_ratio": 0.6, "author": "eak_89"}

selftext:
My spouse and I are just barely in Roth IRA income phase out - 2025 MAGI is 237k (MFJ). We are already maxing out 401ks and HSAs. We each contributed the full $7000 to our Roth IRAs in August 2025. We do not have any money in traditional IRAs, so we can utilize the backdoor Roth going forward.

Unfortunately, my spouse already filed our 2025 taxes without reporting the Roth IRA contributions since they didn't realize we were in the phase-out range.

1. I calculated we were eligible to contribute


topic_name: Is paying my car off early going to be worth it?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418368+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qxrlnw/is_paying_my_car_off_early_going_to_be_worth_it/

metadata:
{"subreddit": "personalfinance", "post_id": "1qxrlnw", "score": 181, "num_comments": 137, "created_utc": 1770406718.0, "selftext": "Should I pay my car loan fully off? I owe about 5500 left and have 12 months left on my loan. The interest is 6.4% and car payment is 490 per month. I have money in my savings (around 15k) that I\u2019ve been saving for years. The thing is, I haven\u2019t been able to grow it for some time now. I was thinking if I paid my car loan off, it would reduce a little bit of stress monthly I can start putting into my saving savings and growing that money back and putting the extra money towards other things eithe", "sort": "top", "upvote_ratio": 0.85, "author": "Makinpancakes1738"}

selftext:
Should I pay my car loan fully off? I owe about 5500 left and have 12 months left on my loan. The interest is 6.4% and car payment is 490 per month. I have money in my savings (around 15k) that I’ve been saving for years. The thing is, I haven’t been able to grow it for some time now. I was thinking if I paid my car loan off, it would reduce a little bit of stress monthly I can start putting into my saving savings and growing that money back and putting the extra money towards other things eithe


topic_name: Dealership ran credit without my permission
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qype11/dealership_ran_credit_without_my_permission/
collected_at: 2026-02-12T00:04:50.635914+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qype11", "score": 25, "num_comments": 43, "created_utc": 1770498283.0, "selftext": "Went to nissan for a suv to do a trade in but didn\u2019t like the prices they were quoting. They were quoting me based on their 6-6.5% APR. They only asked for pay off price for my car and my social. Before I gave my social I asked if my credit would be run and they said not until I actually want the suv. So as I am sitting waiting on numbers I get a notification saying my credit file was requested. Then I ask him again and he said no they didn\u2019t submit a credit inquiry. Keep in mind I didn\u2019t sign a", "sort": "hot", "upvote_ratio": 0.68, "author": "Smart_Policy2844"}

selftext:
Went to nissan for a suv to do a trade in but didn’t like the prices they were quoting. They were quoting me based on their 6-6.5% APR. They only asked for pay off price for my car and my social. Before I gave my social I asked if my credit would be run and they said not until I actually want the suv. So as I am sitting waiting on numbers I get a notification saying my credit file was requested. Then I ask him again and he said no they didn’t submit a credit inquiry. Keep in mind I didn’t sign a


topic_name: Rate this pay plan at a texas toyota dealership.
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1ql1brr/rate_this_pay_plan_at_a_texas_toyota_dealership/
collected_at: 2026-02-12T00:04:53.860506+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1ql1brr", "score": 9, "num_comments": 25, "created_utc": 1769198601.0, "selftext": "Base Pay: Salespersons will be paid 13% commission of the total deal gross profit after pack!!\n\n$200 minimum commission\n\nBONUS TIERS\n\nAchieve Level 2 Sales pays 1% Bonus on Total monthly gross\n\nAchieve Level 3 Sales pay 3% Bonus on Total Montaly gross\n\nMaintain Level 3 Sales 3 years Tenure+ pays 5% \n\nBonus on Total Monthly Gross\n\n\\*pay-plan is subject to change without notice\n\nPacks are as follows\n\n$700 conventional finance\n\n$700 special finance $300 on finance income\n\nJan 2nd HALF SALES BONUS P", "sort": "top", "upvote_ratio": 0.8, "author": "No-Refrigerator3200"}

selftext:
Base Pay: Salespersons will be paid 13% commission of the total deal gross profit after pack!!

$200 minimum commission

BONUS TIERS

Achieve Level 2 Sales pays 1% Bonus on Total monthly gross

Achieve Level 3 Sales pay 3% Bonus on Total Montaly gross

Maintain Level 3 Sales 3 years Tenure+ pays 5% 

Bonus on Total Monthly Gross

\*pay-plan is subject to change without notice

Packs are as follows

$700 conventional finance

$700 special finance $300 on finance income

Jan 2nd HALF SALES BONUS P


topic_name: Need help creating plan for best friend (single mom of 5 kids)
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457682+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r16xuv/need_help_creating_plan_for_best_friend_single/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r16xuv", "score": 0, "num_comments": 9, "created_utc": 1770744159.0, "selftext": "My best friend is in dire straits and I have no idea how to help her get on track. She is a single mom to 5 kids (9, 8, 6, 4 and 3) who got out of a DV relationship two years ago. She does not receive child support from the father, he is currently upwards of $50k in arrears. All the kids except the youngest are in school or headstart and get out at 2 which makes it hard for her to find a job. The older kids can go to the boys and girls club but that still leaves the 4 and 3 year old without care", "sort": "hot", "upvote_ratio": 0.2, "author": "DogMom0727"}

selftext:
My best friend is in dire straits and I have no idea how to help her get on track. She is a single mom to 5 kids (9, 8, 6, 4 and 3) who got out of a DV relationship two years ago. She does not receive child support from the father, he is currently upwards of $50k in arrears. All the kids except the youngest are in school or headstart and get out at 2 which makes it hard for her to find a job. The older kids can go to the boys and girls club but that still leaves the 4 and 3 year old without care


topic_name: How are families even surviving?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qynf1a/how_are_families_even_surviving/
collected_at: 2026-02-12T00:05:03.489395+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qynf1a", "score": 451, "num_comments": 187, "created_utc": 1770493623.0, "selftext": "I guess you could say this post is just a vent rant but I'm interested to hear people's stories out there. \n\nim sure this question has probably been asked many times but I can't help but just express it on here and I'm sure for many people if they are in this subreddit their answer would probably be they aren't surviving. I am someone who is a single person 25 F and for me alone I have no dependents I live with one parent at home life is just totally  utterly hostile financially an economically.", "sort": "top", "upvote_ratio": 0.91, "author": "OrdinaryFast5146"}

selftext:
I guess you could say this post is just a vent rant but I'm interested to hear people's stories out there. 

im sure this question has probably been asked many times but I can't help but just express it on here and I'm sure for many people if they are in this subreddit their answer would probably be they aren't surviving. I am someone who is a single person 25 F and for me alone I have no dependents I live with one parent at home life is just totally  utterly hostile financially an economically.


topic_name: [US] elderly father fell for financial scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0a3yo/us_elderly_father_fell_for_financial_scam/
collected_at: 2026-02-12T00:05:08.886888+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0a3yo", "score": 16, "num_comments": 14, "created_utc": 1770657349.0, "selftext": "my elderly dad, who were actually in the process of getting tested for early stages of dementia, fell for some kind of financial online scam.\n\nhe originally gave approx $20k to \u201cinvest\u201d, and then ended up giving them another $40k while attempting to recover his money. he also sent pictures of his passport and social security. in addition, he received some vaguely threatening texts about if he were to contact authorities, it would end badly for him.\n\nobviously i know the money can\u2019t be recovered,", "sort": "hot", "upvote_ratio": 1.0, "author": "lkroa"}

selftext:
my elderly dad, who were actually in the process of getting tested for early stages of dementia, fell for some kind of financial online scam.

he originally gave approx $20k to “invest”, and then ended up giving them another $40k while attempting to recover his money. he also sent pictures of his passport and social security. in addition, he received some vaguely threatening texts about if he were to contact authorities, it would end badly for him.

obviously i know the money can’t be recovered,


topic_name: What app flow frustrates you the most? (Need honest user pain points for a redesign study)
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889950+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1on4d6d/what_app_flow_frustrates_you_the_most_need_honest/

metadata:
{"subreddit": "assholedesign", "post_id": "1on4d6d", "score": 0, "num_comments": 32, "created_utc": 1762150456.0, "selftext": "Hey everyone, I\u2019m working on a small UX case study where I\u2019ll redesign one real app flow \u2014 no colors, no fancy UI, just logic and clarity.\n\nWanted to hear from real users instead of picking randomly \u2014\n\ud83d\udc49 What\u2019s one app or flow that always irritates or confuses you?\n(e.g. Swiggy checkout, Instagram settings, IRCTC booking, Spotify playlist creation, etc.)\n\nWould love to hear quick, honest rants \u2014 what slows you down, what feels broken, what you wish worked better.\n\nThanks in advance \u2014 I\u2019ll pick on", "sort": "hot", "upvote_ratio": 0.39, "author": "MadMaxBoii"}

selftext:
Hey everyone, I’m working on a small UX case study where I’ll redesign one real app flow — no colors, no fancy UI, just logic and clarity.

Wanted to hear from real users instead of picking randomly —
👉 What’s one app or flow that always irritates or confuses you?
(e.g. Swiggy checkout, Instagram settings, IRCTC booking, Spotify playlist creation, etc.)

Would love to hear quick, honest rants — what slows you down, what feels broken, what you wish worked better.

Thanks in advance — I’ll pick on


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qtdgr0/hun_there_is_no_such_thing_as_one_supplement_plan/
collected_at: 2026-02-12T00:05:26.020671+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
Hun, there is no such thing as one supplement plan fits all. Also, shitting yourself into a smaller dress size? No thank you.

metadata:
{"subreddit": "antiMLM", "post_id": "1qtdgr0", "score": 61, "num_comments": 8, "created_utc": 1769986159.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: Wife is hearing out Primerica.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qkdhzq/wife_is_hearing_out_primerica/
collected_at: 2026-02-12T00:05:30.135243+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qkdhzq", "score": 75, "num_comments": 52, "created_utc": 1769132693.0, "selftext": "My wife was introduced to the company by a mutual friend. My wife is brilliant and has been in the banking industry for 13 years. She wants to change gears and get into helping people with their finances and was told Primerica may be a good start. My brief Google/Reddit search would've had me sprinting the other way but she wants to meet with them. She has not disregarded my warnings and is planning on taking them seriously. I want her to feel I support her because I do I just want her to be kno", "sort": "top", "upvote_ratio": 0.98, "author": "eucher317"}

selftext:
My wife was introduced to the company by a mutual friend. My wife is brilliant and has been in the banking industry for 13 years. She wants to change gears and get into helping people with their finances and was told Primerica may be a good start. My brief Google/Reddit search would've had me sprinting the other way but she wants to meet with them. She has not disregarded my warnings and is planning on taking them seriously. I want her to feel I support her because I do I just want her to be kno


topic_name: No more hazard insurance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1ekpn/no_more_hazard_insurance/
collected_at: 2026-02-12T00:05:44.256841+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1ekpn", "score": 0, "num_comments": 11, "created_utc": 1770760688.0, "selftext": "Was recently doing my taxes and my 1098 showed I no longer pay for hazard insurance. I\u2019ve looked at last year\u2019s and paid $1300. Why would this change? Shouldn\u2019t I have been informed? Not mad about paying less money, but just curious if there is something I need to be doing. ", "sort": "hot", "upvote_ratio": 0.5, "author": "Expensive-Spare-8731"}

selftext:
Was recently doing my taxes and my 1098 showed I no longer pay for hazard insurance. I’ve looked at last year’s and paid $1300. Why would this change? Shouldn’t I have been informed? Not mad about paying less money, but just curious if there is something I need to be doing. 


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qexde5/can_i_open_a_car_insurance_policy_if_i_dont_own/
collected_at: 2026-02-12T00:05:47.658530+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
Can I open a car insurance policy if I don't own the car but live in the same household with the owner?

metadata:
{"subreddit": "Insurance", "post_id": "1qexde5", "score": 7, "num_comments": 45, "created_utc": 1768609187.0, "selftext": "Ohio:\n\nTldr; \n\nI dirve my mother's car, she is threatening to take me off the car insurance policy that I pay for and I do not have the means to get another car currently. Is it possible to open a new car insurance policy on a car that I do not own? Who would be legally/financially liable if I were to get in an accident while driving her car if uninsured, me or her?\n\n\nHello, I live at home with my mother and she has not had a job since I graduated highschool. I work part time while putting mysel", "sort": "top", "upvote_ratio": 1.0, "author": "Potential-Farm-5236"}

selftext:
Ohio:

Tldr; 

I dirve my mother's car, she is threatening to take me off the car insurance policy that I pay for and I do not have the means to get another car currently. Is it possible to open a new car insurance policy on a car that I do not own? Who would be legally/financially liable if I were to get in an accident while driving her car if uninsured, me or her?


Hello, I live at home with my mother and she has not had a job since I graduated highschool. I work part time while putting mysel


topic_name: Did you know you can open only-followed-by-you feed on Instagram app?
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366497+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1j55apw/did_you_know_you_can_open_onlyfollowedbyyou_feed/

metadata:
{"subreddit": "darkpatterns", "post_id": "1j55apw", "score": 3, "num_comments": 0, "created_utc": 1741293095.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.72, "author": "Vova_19_05"}


topic_name: How much does your home made meals cost?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qv3e5w/how_much_does_your_home_made_meals_cost/
collected_at: 2026-02-12T00:06:01.657109+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qv3e5w", "score": 44, "num_comments": 70, "created_utc": 1770150849.0, "selftext": "I just did some mealprepping and made 12 meals of chicken risotto. I calculated the price to $2.25 per meal. Add in electricity and that goes up to $2.3 per meal. That feels really expensive. Those cheap ready meals cost $4 and are surprisingly not far off in macros either.\n\nBoth are of course cheaper than my local lunch place at $8.75, but still.\n\nAt 3 meals a day that comes out to $210  month. For a single person. Crazy. I guess there are some meal preppers here. Have you counted on how much i", "sort": "hot", "upvote_ratio": 0.71, "author": "Ok-Butterfly4991"}

selftext:
I just did some mealprepping and made 12 meals of chicken risotto. I calculated the price to $2.25 per meal. Add in electricity and that goes up to $2.3 per meal. That feels really expensive. Those cheap ready meals cost $4 and are surprisingly not far off in macros either.

Both are of course cheaper than my local lunch place at $8.75, but still.

At 3 meals a day that comes out to $210  month. For a single person. Crazy. I guess there are some meal preppers here. Have you counted on how much i


topic_name: Tip: save your dog/cat treat crumbs
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qn1lx3/tip_save_your_dogcat_treat_crumbs/
collected_at: 2026-02-12T00:06:05.044673+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qn1lx3", "score": 179, "num_comments": 23, "created_utc": 1769389769.0, "selftext": "I go through a decent amount of dog treats. There are always some crumbs and tiny treat pieces left in the bags. I\u2019ve started pouring them into a jar and saving them to use, either as a food topper or mixed in with their frozen Kongs.\n\nIt saves me buying actual dog food toppers or wet food for my picky dog, and using actual treats when I make their Kongs (they\u2019d eat them regardless, but I\u2019m sure they prefer it with some treat flavor!)\n\nObviously make sure the jar they\u2019re stored in is air tight a", "sort": "top", "upvote_ratio": 0.93, "author": "heysnood"}

selftext:
I go through a decent amount of dog treats. There are always some crumbs and tiny treat pieces left in the bags. I’ve started pouring them into a jar and saving them to use, either as a food topper or mixed in with their frozen Kongs.

It saves me buying actual dog food toppers or wet food for my picky dog, and using actual treats when I make their Kongs (they’d eat them regardless, but I’m sure they prefer it with some treat flavor!)

Obviously make sure the jar they’re stored in is air tight a


topic_name: Travel Card or a Cash back card as next card?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1kycb/travel_card_or_a_cash_back_card_as_next_card/
collected_at: 2026-02-12T00:06:10.588068+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1kycb", "score": 1, "num_comments": 4, "created_utc": 1770776677.0, "selftext": "Looking for some advice on the best next step. I\u2019m planning my travel for this year and have been thinking of applying for a travel card to get the most benefit. I\u2019m also considering whether I should switch my quicksilver to a savor card or keep the quicksilver card and get an additional 2% all around cash back card like the Wells Fargo, fidelity or sofi 2% cards.\n\nSo I guess my question is about how to best round out my credit portfolio?\n\nCREDIT PROFILE\n\n\\* Current credit cards you are the prim", "sort": "hot", "upvote_ratio": 0.57, "author": "Cheapthrills96"}

selftext:
Looking for some advice on the best next step. I’m planning my travel for this year and have been thinking of applying for a travel card to get the most benefit. I’m also considering whether I should switch my quicksilver to a savor card or keep the quicksilver card and get an additional 2% all around cash back card like the Wells Fargo, fidelity or sofi 2% cards.

So I guess my question is about how to best round out my credit portfolio?

CREDIT PROFILE

\* Current credit cards you are the prim


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1ql79tb/dont_forget_the_rakuten_credit_card_can_earn/
collected_at: 2026-02-12T00:06:13.782259+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
Don't forget The Rakuten Credit Card can earn UNLIMTED 10X BILT points or Amex points on Rakuten Dining.

metadata:
{"subreddit": "CreditCards", "post_id": "1ql79tb", "score": 57, "num_comments": 40, "created_utc": 1769212699.0, "selftext": "Before BILT changes the Rakuten conversion rates for Silver &amp; below, now would be a great time to apply for the Rakuten Credit Card. Then, after May 15th, you can switch to Amex MR (if you have an MR card):\n\nThe Rewards earning rates are:\n\n\u25cf Extra 4% Cash Back on eligible Rakuten purchases (online &amp; in-store), up to $7,000 in a calendar year, 1% Cash Back on eligible Rakuten purchases after the $7,000 cap\n\n\u25cf Extra 5% Cash Back on eligible Rakuten Dining Program purchases for a total of 1", "sort": "top", "upvote_ratio": 0.87, "author": "Parking-Ice-9206"}

selftext:
Before BILT changes the Rakuten conversion rates for Silver &amp; below, now would be a great time to apply for the Rakuten Credit Card. Then, after May 15th, you can switch to Amex MR (if you have an MR card):

The Rewards earning rates are:

● Extra 4% Cash Back on eligible Rakuten purchases (online &amp; in-store), up to $7,000 in a calendar year, 1% Cash Back on eligible Rakuten purchases after the $7,000 cap

● Extra 5% Cash Back on eligible Rakuten Dining Program purchases for a total of 1


topic_name: Procedure on answering a complaint/summons - Utah
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r27kfi/procedure_on_answering_a_complaintsummons_utah/
collected_at: 2026-02-12T00:06:18.921058+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r27kfi", "score": 1, "num_comments": 0, "created_utc": 1770839360.0, "selftext": "Location: Salt Lake County, Utah \n\nHi, I was served with a summons for a small medical debt.  My answer is due by Feb 13.  A lawyer through my work legal plan asked the plaintiff's lawyer for a 20-day extension on filing an answer. They responded via email today agreeing to the extension. I asked him if I need to let the court know about this and he said no.  Is that a safe thing to do since my answer deadline is coming up? He also told me he only does debt settlement and does not file answers o", "sort": "hot", "upvote_ratio": 1.0, "author": "N1ghtPr0wler"}

selftext:
Location: Salt Lake County, Utah 

Hi, I was served with a summons for a small medical debt.  My answer is due by Feb 13.  A lawyer through my work legal plan asked the plaintiff's lawyer for a 20-day extension on filing an answer. They responded via email today agreeing to the extension. I asked him if I need to let the court know about this and he said no.  Is that a safe thing to do since my answer deadline is coming up? He also told me he only does debt settlement and does not file answers o


topic_name: Can I put grandfather in a nursing home if he is of sound mind and absolutely refuses?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qox9li/can_i_put_grandfather_in_a_nursing_home_if_he_is/
collected_at: 2026-02-12T00:06:22.356723+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qox9li", "score": 503, "num_comments": 123, "created_utc": 1769563592.0, "selftext": "Location: (Kentucky) I am the power of attorney for my grandfather. My uncle wants to put him in a nursing home and honestly he should go. He is in his right mind, but he falls down constantly. We recently took his keys away. He does not need to be driving. He falls out of the truck. He can barely get in a vehicle. He can barely even get around really. He can\u2019t lift his hands above his head or even go grocery shopping alone. My uncle wants power of attorney but my grandfather gave it to me. He\u2019s", "sort": "top", "upvote_ratio": 0.93, "author": "OneAngle5836"}

selftext:
Location: (Kentucky) I am the power of attorney for my grandfather. My uncle wants to put him in a nursing home and honestly he should go. He is in his right mind, but he falls down constantly. We recently took his keys away. He does not need to be driving. He falls out of the truck. He can barely get in a vehicle. He can barely even get around really. He can’t lift his hands above his head or even go grocery shopping alone. My uncle wants power of attorney but my grandfather gave it to me. He’s


topic_name: LPT: Almost Free Way to Insulate Windows
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qnzuhi/lpt_almost_free_way_to_insulate_windows/
collected_at: 2026-02-12T00:06:28.286236+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qnzuhi", "score": 2453, "num_comments": 253, "created_utc": 1769477625.0, "selftext": "Don't laugh.\n\nClear Bubble Wrap will make a decent multi-pane window out of a drafty single pane. It lets virtually all the natural light in and can be done neatly. \n\nNot to mention - it is a privacy shield that lets all the light in.\n\nNot to mention the other thing - if your heat does not leave via those windows, **neither will your cash.**\n\nUse clear packing tape to join 2 or three lengths of bubble wrap - whatever it takes to make a rectangle big enough to cover the window or its enclosure. T", "sort": "hot", "upvote_ratio": 0.95, "author": "waynek57"}

selftext:
Don't laugh.

Clear Bubble Wrap will make a decent multi-pane window out of a drafty single pane. It lets virtually all the natural light in and can be done neatly. 

Not to mention - it is a privacy shield that lets all the light in.

Not to mention the other thing - if your heat does not leave via those windows, **neither will your cash.**

Use clear packing tape to join 2 or three lengths of bubble wrap - whatever it takes to make a rectangle big enough to cover the window or its enclosure. T


topic_name: 30+ years old snoopy hairdryer still going strong.
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789856+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qyg87m/30_years_old_snoopy_hairdryer_still_going_strong/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qyg87m", "score": 8339, "num_comments": 79, "created_utc": 1770477065.0, "selftext": "I was gifted it new when I was 7 and haven't needed to buy a hairdryer since. \nHad to replace the plug a few years ago, otherwise has run brilliantly since I got it. \n", "sort": "hot", "upvote_ratio": 0.99, "author": "Devious_Pudding"}

selftext:
I was gifted it new when I was 7 and haven't needed to buy a hairdryer since. 
Had to replace the plug a few years ago, otherwise has run brilliantly since I got it. 


topic_name: This little kids' headphone might actually turn into a family heirloom
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qejj2s/this_little_kids_headphone_might_actually_turn/
collected_at: 2026-02-12T00:06:40.492504+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qejj2s", "score": 266, "num_comments": 54, "created_utc": 1768578543.0, "selftext": "About 5 years ago we took our son on his first BIG TRIP to Turkey. I was terrified he'd scream through the whole flight, so I panic bought this iclever headphone and he could zone out with his beloved Harry Potter.\n\nSince then this little thing has done some miles. Flights, long drives, hotel rooms at 11 pm when everyone is tired, rainy days at home...Now the earpads are showing some wear, but still works chillin.\n\nUnluckily my son hit growth spurt mode. Feels like his head levels up every week ", "sort": "top", "upvote_ratio": 0.83, "author": "Expensive_Minute9349"}

selftext:
About 5 years ago we took our son on his first BIG TRIP to Turkey. I was terrified he'd scream through the whole flight, so I panic bought this iclever headphone and he could zone out with his beloved Harry Potter.

Since then this little thing has done some miles. Flights, long drives, hotel rooms at 11 pm when everyone is tired, rainy days at home...Now the earpads are showing some wear, but still works chillin.

Unluckily my son hit growth spurt mode. Feels like his head levels up every week 


topic_name: 2026 FPL adjustments are out (+1.98% for first person, +3.27% for each additional person)
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000210+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qesofk/2026_fpl_adjustments_are_out_198_for_first_person/

metadata:
{"subreddit": "financialindependence", "post_id": "1qesofk", "score": 44, "num_comments": 27, "created_utc": 1768598657.0, "selftext": "The 2026 inflation adjustments to the Federal Poverty Level are out and officially published in the Federal Register.  FPL adjusts by an inflation calculation administered by HHS that is supposed to more accurately reflect absolute core living expenses than overall inflation metrics.  FPL is a critical number for anyone using or planning on using FPL-gated programs like the ACA, Expansion/Children's Medicaid, CHIP, NSLP, FAFSA, and so forth.\n\nThe 2026 FPL will be the FPL used to determine ACA su", "sort": "hot", "upvote_ratio": 0.88, "author": "Zphr"}

selftext:
The 2026 inflation adjustments to the Federal Poverty Level are out and officially published in the Federal Register.  FPL adjusts by an inflation calculation administered by HHS that is supposed to more accurately reflect absolute core living expenses than overall inflation metrics.  FPL is a critical number for anyone using or planning on using FPL-gated programs like the ACA, Expansion/Children's Medicaid, CHIP, NSLP, FAFSA, and so forth.

The 2026 FPL will be the FPL used to determine ACA su


topic_name: No More Plot Hooks #dnd #dnd5e #dndhumor #ttrpg #pathfinder
source: youtube
region: US
url: https://youtube.com/watch?v=P63AvxVejtw
collected_at: 2026-02-12T00:04:30.534791
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "P63AvxVejtw", "channel": "Daft Dungeoneer", "category": "Entertainment", "category_id": 24, "views": "3208302", "view_count": 3208302, "likes": "172217", "published_at": "2026-02-07T15:00:59Z"}


topic_name: Am I too focused on Roth?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r28uvv/am_i_too_focused_on_roth/
collected_at: 2026-02-12T00:04:41.815101+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r28uvv", "score": 0, "num_comments": 4, "created_utc": 1770842235.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.25, "author": "okonw"}


topic_name: Billed by dentist for $2,154 out of pocket, dentist submitted $1,280 to insurance, I now owe $293
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418371+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qsf7ri/billed_by_dentist_for_2154_out_of_pocket_dentist/

metadata:
{"subreddit": "personalfinance", "post_id": "1qsf7ri", "score": 181, "num_comments": 48, "created_utc": 1769895782.0, "selftext": "I went to the dentist for my annual exam and cleaning and also a temporary crown placed on a tooth where I had a root canal done. When I sat down to have my x-rays taken, I was told that they take BCBS dental and the provider is in network, but they don\u2019t take my specific plan and that I would have to pay out of pocket and I would have to submit a claim myself to insurance for reimbursement. It was unfortunate but I needed to get it done and stop putting it off so I put a hefty charge of $2,154 ", "sort": "top", "upvote_ratio": 0.9, "author": "heavydutyspoons"}

selftext:
I went to the dentist for my annual exam and cleaning and also a temporary crown placed on a tooth where I had a root canal done. When I sat down to have my x-rays taken, I was told that they take BCBS dental and the provider is in network, but they don’t take my specific plan and that I would have to pay out of pocket and I would have to submit a claim myself to insurance for reimbursement. It was unfortunate but I needed to get it done and stop putting it off so I put a hefty charge of $2,154 


topic_name: CPO feels to good to be true?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qz8tgw/cpo_feels_to_good_to_be_true/
collected_at: 2026-02-12T00:04:50.635918+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qz8tgw", "score": 0, "num_comments": 12, "created_utc": 1770557046.0, "selftext": "We\u2019ve been looking to purchase a hybrid CRV Sport-L and found a 2026 CPO one at a local Honda dealership. It has 5,500 miles on it and it looks and drives great and the price is fantastic. So fantastic that it concerns me a little bit? The carfax is clean: 1 owner, it was a commercial vehicle, and there\u2019s nothing concerning in the service history. Per the carfax it was offered for sale as a CPO on 1/15/26 so it\u2019s been at the dealership for a while. It\u2019s listed for $35,998 which is $2,000-$4,000 ", "sort": "hot", "upvote_ratio": 0.5, "author": "alferr95"}

selftext:
We’ve been looking to purchase a hybrid CRV Sport-L and found a 2026 CPO one at a local Honda dealership. It has 5,500 miles on it and it looks and drives great and the price is fantastic. So fantastic that it concerns me a little bit? The carfax is clean: 1 owner, it was a commercial vehicle, and there’s nothing concerning in the service history. Per the carfax it was offered for sale as a CPO on 1/15/26 so it’s been at the dealership for a while. It’s listed for $35,998 which is $2,000-$4,000 


topic_name: Saving up for first car, will a large down payment mean I'll have a hard time at the dealership?
source: reddit
region: global
collected_at: 2026-02-12T00:04:53.860511+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1qfsje7/saving_up_for_first_car_will_a_large_down_payment/

metadata:
{"subreddit": "askcarsales", "post_id": "1qfsje7", "score": 7, "num_comments": 11, "created_utc": 1768693107.0, "selftext": "I'm 20 and saving up for my first car (on my own)for the end of this year. If I am honest, I really don't know much about buying cars so I am trying to find out all I can. \n\nI plan to have 12k saved for a down payment on a 22\\~24k car. This is because at my younger age and with the level I am in my job(and being a student), I can't afford large monthly payments, but I need a reliable car. I have been told that salesmen don't like larger down payments, but if I go in December '26/January '27 and ", "sort": "top", "upvote_ratio": 0.77, "author": "Soph_Rivers"}

selftext:
I'm 20 and saving up for my first car (on my own)for the end of this year. If I am honest, I really don't know much about buying cars so I am trying to find out all I can. 

I plan to have 12k saved for a down payment on a 22\~24k car. This is because at my younger age and with the level I am in my job(and being a student), I can't afford large monthly payments, but I need a reliable car. I have been told that salesmen don't like larger down payments, but if I go in December '26/January '27 and 


topic_name: What college degree or skills made you overcome poverty?
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457686+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qzt60t/what_college_degree_or_skills_made_you_overcome/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qzt60t", "score": 214, "num_comments": 258, "created_utc": 1770607264.0, "selftext": "They always say you need a college degree or valuable skills to increase income and get better employment opportunities so I guess I'll have to choose that route. ", "sort": "hot", "upvote_ratio": 0.96, "author": "Aj100rise"}

selftext:
They always say you need a college degree or valuable skills to increase income and get better employment opportunities so I guess I'll have to choose that route. 


topic_name: Doctor’s Notes Required for Work but can’t afford to go.
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489399+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qt2l5s/doctors_notes_required_for_work_but_cant_afford/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qt2l5s", "score": 450, "num_comments": 129, "created_utc": 1769962397.0, "selftext": "So, I\u2019m working a job that requires a doctor\u2019s note every single time you call off. It\u2019s a childcare center that I\u2019m severely underpaid at. Most times I don\u2019t call off because I can\u2019t afford to lose the day\u2019s pay. Doctor\u2019s visits with my insurance are $45 copay and then urgent care or telehealth are $80 copay. I can\u2019t afford either of those options right now as I have $1 to my name until payday. \n\nI\u2019m burned out at this job and need an extra day to recover. I went to bed crying last night becaus", "sort": "top", "upvote_ratio": 0.95, "author": "p4charmed"}

selftext:
So, I’m working a job that requires a doctor’s note every single time you call off. It’s a childcare center that I’m severely underpaid at. Most times I don’t call off because I can’t afford to lose the day’s pay. Doctor’s visits with my insurance are $45 copay and then urgent care or telehealth are $80 copay. I can’t afford either of those options right now as I have $1 to my name until payday. 

I’m burned out at this job and need an extra day to recover. I went to bed crying last night becaus


topic_name: [DE]https://playbill-orchestra.com/ no tickets received
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0uham/dehttpsplaybillorchestracom_no_tickets_received/
collected_at: 2026-02-12T00:05:08.886892+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0uham", "score": 0, "num_comments": 6, "created_utc": 1770708831.0, "selftext": "I want to share my personal experience so others can stay cautious. I attempted to buy a concert ticket through this website and entered my card details. After the payment, I didn\u2019t get any tickets, instead I was advised to make a refund only if I have the same amount of money on my card as I have already payed. As a result the money were taken twice with the same result - no tickets, no refund. In a short time I received phone calls offering help to carry out the \u201crefund\u201d procedure correctly. I", "sort": "hot", "upvote_ratio": 0.5, "author": "lebrisko"}

selftext:
I want to share my personal experience so others can stay cautious. I attempted to buy a concert ticket through this website and entered my card details. After the payment, I didn’t get any tickets, instead I was advised to make a refund only if I have the same amount of money on my card as I have already payed. As a result the money were taken twice with the same result - no tickets, no refund. In a short time I received phone calls offering help to carry out the “refund” procedure correctly. I


topic_name: Took my power back and came out on top (USA puppy scam)
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qv6kop/took_my_power_back_and_came_out_on_top_usa_puppy/
collected_at: 2026-02-12T00:05:12.359050+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qv6kop", "score": 56, "num_comments": 13, "created_utc": 1770158032.0, "selftext": "About a month ago I feel victim to a puppy scam, I shelled out $1000 for a golden retriever puppy to become a service dog. I was devastated and angry. (The dog never existed)\n\nI\u2019m happy to report a month later, I have the sweetest 6 year old standard poodle rescue who\u2019s doing amazing in her training. I have gotten half my money back and hopeful to get the rest. I have the regular police, cyber crime police, and state general attorney after this scam page. And have saved atleast one person from t", "sort": "top", "upvote_ratio": 0.87, "author": "FloridaGirl2222"}

selftext:
About a month ago I feel victim to a puppy scam, I shelled out $1000 for a golden retriever puppy to become a service dog. I was devastated and angry. (The dog never existed)

I’m happy to report a month later, I have the sweetest 6 year old standard poodle rescue who’s doing amazing in her training. I have gotten half my money back and hopeful to get the rest. I have the regular police, cyber crime police, and state general attorney after this scam page. And have saved atleast one person from t


topic_name: No Drink Prices on Dave and Busters Menu
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1oj98nj/no_drink_prices_on_dave_and_busters_menu/
collected_at: 2026-02-12T00:05:17.889953+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1oj98nj", "score": 14925, "num_comments": 828, "created_utc": 1761755413.0, "selftext": "Food portion of the menu has prices listed, but not drinks. Drinks are all $17+ and not good. So ultimately they\u2019re serving shitty overpriced drinks, AND hiding it so drunk/lazy people get popped.", "sort": "hot", "upvote_ratio": 0.98, "author": "Beautiful_Ad8386"}

selftext:
Food portion of the menu has prices listed, but not drinks. Drinks are all $17+ and not good. So ultimately they’re serving shitty overpriced drinks, AND hiding it so drunk/lazy people get popped.


topic_name: Another Scentsy GoFundMe Scandal.. this time for a chicken!
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qt3hf0/another_scentsy_gofundme_scandal_this_time_for_a/
collected_at: 2026-02-12T00:05:26.020674+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qt3hf0", "score": 68, "num_comments": 8, "created_utc": 1769964391.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.97, "author": "plumbusmaker911"}


topic_name: Does a Past Lawsuit effect Current Insurance?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1efje/does_a_past_lawsuit_effect_current_insurance/
collected_at: 2026-02-12T00:05:44.256845+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1efje", "score": 0, "num_comments": 3, "created_utc": 1770760359.0, "selftext": "I had Geico insurance for my auto since 2019. The monthly for full coverage, is around $175. It's always fluctuated some, but recently went up $20 dollars a month.\n\nNo at fault accidents for over 20 years, and last two tickets.. \"fail to pay full time and attention\" in 2016 and \"fail to stop at stop sign\" in 2018.\n\nSo I decided to switch to Progressive. Similar coverage. and the monthly premium ($95) is half of what I was paying Geico. I had always assumed Geico was one of the cheapest insurance", "sort": "hot", "upvote_ratio": 0.33, "author": "AggravatingUmpire0"}

selftext:
I had Geico insurance for my auto since 2019. The monthly for full coverage, is around $175. It's always fluctuated some, but recently went up $20 dollars a month.

No at fault accidents for over 20 years, and last two tickets.. "fail to pay full time and attention" in 2016 and "fail to stop at stop sign" in 2018.

So I decided to switch to Progressive. Similar coverage. and the monthly premium ($95) is half of what I was paying Geico. I had always assumed Geico was one of the cheapest insurance


topic_name: Rear ended. Advice.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qx3xt1/rear_ended_advice/
collected_at: 2026-02-12T00:05:47.658534+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qx3xt1", "score": 5, "num_comments": 9, "created_utc": 1770341036.0, "selftext": "Hello following up! So I was sitting at a red light a few days ago and looked back in my rear view mirror and realized the older model Toyota Corolla wasn\u2019t going to stop and boom. Hit me going about 10-20mph, hard to tell exactly because I was bracing. I have a 2025 Camry with only 8k miles on it. Dude gave me his insurance and didn\u2019t speak any English but the cop translated and the guy said his brother owns a body shop (I looked it up, looks pretty sketchy) and would fix it for free. Obviously", "sort": "top", "upvote_ratio": 0.86, "author": "jp13tb"}

selftext:
Hello following up! So I was sitting at a red light a few days ago and looked back in my rear view mirror and realized the older model Toyota Corolla wasn’t going to stop and boom. Hit me going about 10-20mph, hard to tell exactly because I was bracing. I have a 2025 Camry with only 8k miles on it. Dude gave me his insurance and didn’t speak any English but the cop translated and the guy said his brother owns a body shop (I looked it up, looks pretty sketchy) and would fix it for free. Obviously


topic_name: Am I opting in or out for marketing emails? I'm so confused Wesbank South Africa
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366500+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1j4qndf/am_i_opting_in_or_out_for_marketing_emails_im_so/

metadata:
{"subreddit": "darkpatterns", "post_id": "1j4qndf", "score": 14, "num_comments": 2, "created_utc": 1741248287.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "cryptocritical9001"}


topic_name: Good Roadside Assistance companies?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qv1v8o/good_roadside_assistance_companies/
collected_at: 2026-02-12T00:06:01.657113+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qv1v8o", "score": 14, "num_comments": 34, "created_utc": 1770147489.0, "selftext": "My free trial for OnStar is about to expire and it will be $53 a month. That includes being able to start the car, roadside assistance, etc. \n\nI see that my car insurance through State Farm has roadside assistance. Does anyone have experience or know if when you utilize roadside it\u2019s considered a \u201cclaim\u201d and your insurance goes up? \n\nTriple A is another company I\u2019ll be looking at but just curious what else is out there. Obviously I\u2019m not paying no $53 to remote start the car and being able to ge", "sort": "hot", "upvote_ratio": 0.76, "author": "Jealous-Mark-1830"}

selftext:
My free trial for OnStar is about to expire and it will be $53 a month. That includes being able to start the car, roadside assistance, etc. 

I see that my car insurance through State Farm has roadside assistance. Does anyone have experience or know if when you utilize roadside it’s considered a “claim” and your insurance goes up? 

Triple A is another company I’ll be looking at but just curious what else is out there. Obviously I’m not paying no $53 to remote start the car and being able to ge


topic_name: How to spend less money on groceries for your family?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qqgtdq/how_to_spend_less_money_on_groceries_for_your/
collected_at: 2026-02-12T00:06:05.044678+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qqgtdq", "score": 172, "num_comments": 202, "created_utc": 1769711532.0, "selftext": "Hello! \n\nWe are a family of six and I make dinner 6 days a week. I shop around and go to different stores sometimes and I have found that Walmart is the cheapest and most accessible. \n\nI spend about 220 dollars a week on dinners and literally just a few frozen snacks for my children such as corn dogs, popsicles and a couple frozen pizzas. I also only get a bag of generic chips/popcorn which is 2-4 dollars a week for their end of the day snack at school. \n\nI feel as though I can\u2019t cut down any fu", "sort": "top", "upvote_ratio": 0.88, "author": "milablake8O"}

selftext:
Hello! 

We are a family of six and I make dinner 6 days a week. I shop around and go to different stores sometimes and I have found that Walmart is the cheapest and most accessible. 

I spend about 220 dollars a week on dinners and literally just a few frozen snacks for my children such as corn dogs, popsicles and a couple frozen pizzas. I also only get a bag of generic chips/popcorn which is 2-4 dollars a week for their end of the day snack at school. 

I feel as though I can’t cut down any fu


topic_name: Citi ThankYou Mastercard offer will not activate, anyone know why?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1kv8c/citi_thankyou_mastercard_offer_will_not_activate/
collected_at: 2026-02-12T00:06:10.588071+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1kv8c", "score": 2, "num_comments": 0, "created_utc": 1770776444.0, "selftext": "I have an email offer: **\"Earn a $75 statement credits on eligible purchases made each month of this offer\"** ($1,500+). Every time I try to activate it, it takes me to a page that says **\"We're sorry, but the offer was not activated at this time. Please try again later.\"** I tried last week and tried again today and got the \"offer not activated\" page every time. I was able to successfully activate a couple other offers last week at the same time that I tried to activate this one and can verify ", "sort": "hot", "upvote_ratio": 1.0, "author": "halfendless"}

selftext:
I have an email offer: **"Earn a $75 statement credits on eligible purchases made each month of this offer"** ($1,500+). Every time I try to activate it, it takes me to a page that says **"We're sorry, but the offer was not activated at this time. Please try again later."** I tried last week and tried again today and got the "offer not activated" page every time. I was able to successfully activate a couple other offers last week at the same time that I tried to activate this one and can verify 


topic_name: My New CC Setup for 2026, Best Year Yet!
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qjbs58/my_new_cc_setup_for_2026_best_year_yet/
collected_at: 2026-02-12T00:06:13.782262+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qjbs58", "score": 59, "num_comments": 139, "created_utc": 1769032950.0, "selftext": "**Points Cards:**\n\nCiti Prestige - 5X Dining &amp; Prepaid Travel\n\nCiti Custom Cash 1 - 5X EV Charging\n\nCiti Custom Cash 2 - 5X Non-Prepaid Travel\n\nCiti Custom Cash 3 - 5X Groceries\n\nChase Ink Cash - 5X Cell Phone, Internet, &amp; Office Supply\n\nRakuten Amex - 4X on Most Online Shopping\n\nBILT Palladium - 3.3X on Everything Else\n\n**Cash Back:**\n\nChase Amazon - 5% Back on Amazon\n\nElan Max Cash - 5% on Entertainment &amp; Recreation\n\nUS Bank Cash+ - 5% on Utilities &amp; Transit\n\nBlue FCU Rewards V", "sort": "top", "upvote_ratio": 0.83, "author": "Parking-Ice-9206"}

selftext:
**Points Cards:**

Citi Prestige - 5X Dining &amp; Prepaid Travel

Citi Custom Cash 1 - 5X EV Charging

Citi Custom Cash 2 - 5X Non-Prepaid Travel

Citi Custom Cash 3 - 5X Groceries

Chase Ink Cash - 5X Cell Phone, Internet, &amp; Office Supply

Rakuten Amex - 4X on Most Online Shopping

BILT Palladium - 3.3X on Everything Else

**Cash Back:**

Chase Amazon - 5% Back on Amazon

Elan Max Cash - 5% on Entertainment &amp; Recreation

US Bank Cash+ - 5% on Utilities &amp; Transit

Blue FCU Rewards V


topic_name: Removing co-signer on credit card
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r27imj/removing_cosigner_on_credit_card/
collected_at: 2026-02-12T00:06:18.921062+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r27imj", "score": 1, "num_comments": 10, "created_utc": 1770839252.0, "selftext": "Location: Ohio I have a question. My father opened a credit card with me as a co-signer to help pay down debt and honestly I cannot remember if he did this with my permission or not. I have repeatedly tried to transfer the debt into a card that is solely in my name and have been unable to do so. Most recently I put the credit card into a debt settlement program, but have been paying the minimum payment to protect my fathers credit and to prevent attempts at him contacting me to use this as groun", "sort": "hot", "upvote_ratio": 1.0, "author": "Anna-Bee-1984"}

selftext:
Location: Ohio I have a question. My father opened a credit card with me as a co-signer to help pay down debt and honestly I cannot remember if he did this with my permission or not. I have repeatedly tried to transfer the debt into a card that is solely in my name and have been unable to do so. Most recently I put the credit card into a debt settlement program, but have been paying the minimum payment to protect my fathers credit and to prevent attempts at him contacting me to use this as groun


topic_name: Chunk of ice flew off semi truck and struck my vehicle
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qqg2zd/chunk_of_ice_flew_off_semi_truck_and_struck_my/
collected_at: 2026-02-12T00:06:22.356727+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qqg2zd", "score": 485, "num_comments": 41, "created_utc": 1769709994.0, "selftext": "I was passing a semi on the highway last week and a chunk of ice flew off a trailer and went through my windshield hitting my fianc\u00e9, causing her to lose an eye. The truck and trailer were nondescript and state police and DOT have been otherwise helpful but have no leads yet. Is she pretty much reliant on waiting for the outcome of the investigation before pursuing legal action? Other than hiring a lawyer, where do we start? It\u2019s highly probable she will be unable to continue working at her curr", "sort": "top", "upvote_ratio": 0.97, "author": "Negative_Ad6606"}

selftext:
I was passing a semi on the highway last week and a chunk of ice flew off a trailer and went through my windshield hitting my fiancé, causing her to lose an eye. The truck and trailer were nondescript and state police and DOT have been otherwise helpful but have no leads yet. Is she pretty much reliant on waiting for the outcome of the investigation before pursuing legal action? Other than hiring a lawyer, where do we start? It’s highly probable she will be unable to continue working at her curr


topic_name: LPT: If you’re an iPhone user, turn on “Ask Reason For Calling” in settings.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qnjm0v/lpt_if_youre_an_iphone_user_turn_on_ask_reason/
collected_at: 2026-02-12T00:06:28.286239+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qnjm0v", "score": 6592, "num_comments": 594, "created_utc": 1769442391.0, "selftext": "This feature saved my life by preventing me from having a mental breakdown due to the amount of spam calls I received daily.\n\nThanks to this feature, your phone doesn\u2019t ring when you get spam calls and instead the person calling is screened and has to state their name and purpose of calling and you can then take the call if you accept.\n\nHow-to:\n\nSettings &gt; Apps &gt; Phone &gt; Screen Unknown Callers and you can select \"Ask Reason for Calling\"", "sort": "hot", "upvote_ratio": 0.92, "author": "EngLitIsLit"}

selftext:
This feature saved my life by preventing me from having a mental breakdown due to the amount of spam calls I received daily.

Thanks to this feature, your phone doesn’t ring when you get spam calls and instead the person calling is screened and has to state their name and purpose of calling and you can then take the call if you accept.

How-to:

Settings &gt; Apps &gt; Phone &gt; Screen Unknown Callers and you can select "Ask Reason for Calling"


topic_name: LPT Request: How do you stop doomscrolling before sleep when you’re mentally exhausted?
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qkj055/lpt_request_how_do_you_stop_doomscrolling_before/
collected_at: 2026-02-12T00:06:31.302217+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qkj055", "score": 721, "num_comments": 360, "created_utc": 1769148289.0, "selftext": "Genuinely looking for practical methods that help break this habit when you\u2019re already mentally drained.", "sort": "top", "upvote_ratio": 0.94, "author": "vishesh_07_028"}

selftext:
Genuinely looking for practical methods that help break this habit when you’re already mentally drained.


topic_name: Walking pad - ik ik not actually bifl but help
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0o432/walking_pad_ik_ik_not_actually_bifl_but_help/
collected_at: 2026-02-12T00:06:36.789859+00:00
autocomplete: []
selftext: I know a motor will fail but what’s the best bifl walking pad? preferably not thousands of dollars
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0o432", "score": 0, "num_comments": 6, "created_utc": 1770689525.0, "selftext": "I know a motor will fail but what\u2019s the best bifl walking pad? preferably not thousands of dollars ", "sort": "hot", "upvote_ratio": 0.32, "author": "Small_Sprinkles1803"}


topic_name: Best Gaming Chairs That Actually Last?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qi6xf7/best_gaming_chairs_that_actually_last/
collected_at: 2026-02-12T00:06:40.492508+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qi6xf7", "score": 267, "num_comments": 175, "created_utc": 1768929068.0, "selftext": "Looking for the best gaming chair that actually lasts and doesn\u2019t fall apart after a couple of years. I want to invest in something that\u2019s a good gaming chair and built to stand up to long use not another cheap seat that sags or breaks.\n\nWhat do you think is the best chair for video gaming if you\u2019re thinking BIFL? I\u2019ve seen tons of gaming chairs pop up everywhere, but most seem like gimmicks or cheap materials that won\u2019t hold up.\n\nWhich of the best gaming chair brands are actually worth trusting", "sort": "top", "upvote_ratio": 0.75, "author": "Artesy"}

selftext:
Looking for the best gaming chair that actually lasts and doesn’t fall apart after a couple of years. I want to invest in something that’s a good gaming chair and built to stand up to long use not another cheap seat that sags or breaks.

What do you think is the best chair for video gaming if you’re thinking BIFL? I’ve seen tons of gaming chairs pop up everywhere, but most seem like gimmicks or cheap materials that won’t hold up.

Which of the best gaming chair brands are actually worth trusting


topic_name: HSA triple tax advantage - am I missing something?
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000214+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qepri5/hsa_triple_tax_advantage_am_i_missing_something/

metadata:
{"subreddit": "financialindependence", "post_id": "1qepri5", "score": 27, "num_comments": 66, "created_utc": 1768591948.0, "selftext": "So, I'm reaching the age where I'm starting to max out my deductible, and so far I've been claiming it against my HSA. I started playing with the thought of paying for things out of pocket and keeping the receipts, but I'm not sure if I'm missing something.\n\nIn a scenario where I have a $1000 bill to pay - I have an option of paying it out of pocket with my after-tax money and keeping my HSA invested, or paying it from the HSA and investing my after-tax money (let's assume I have that discipline", "sort": "hot", "upvote_ratio": 0.7, "author": "sarayewo"}

selftext:
So, I'm reaching the age where I'm starting to max out my deductible, and so far I've been claiming it against my HSA. I started playing with the thought of paying for things out of pocket and keeping the receipts, but I'm not sure if I'm missing something.

In a scenario where I have a $1000 bill to pay - I have an option of paying it out of pocket with my after-tax money and keeping my HSA invested, or paying it from the HSA and investing my after-tax money (let's assume I have that discipline


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397349+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the dynamics of a heroic intervention, and how can bystanders safely help in emergency situations?


topic_name: Wanted Fugitive Shoulder Checks Cop
source: youtube
region: US
url: https://youtube.com/watch?v=3oj2HVgnsUY
collected_at: 2026-02-12T00:04:30.534783
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "3oj2HVgnsUY", "channel": "CrimeTubeGlobal", "category": "Entertainment", "category_id": 24, "views": "3198973", "view_count": 3198973, "likes": "156150", "published_at": "2026-02-08T02:50:04Z"}


topic_name: Can we afford a home upgrade given our income and expenses?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815105+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r2c7ge/can_we_afford_a_home_upgrade_given_our_income_and/

metadata:
{"subreddit": "personalfinance", "post_id": "1r2c7ge", "score": 0, "num_comments": 4, "created_utc": 1770849867.0, "selftext": "Age: Mid\u201140s\n\nMarital Status: Married\n\nChildren: None\n\nGross Income:\n\n\\~$300K household\n\n$11K/month take\u2011home (can increase to $13K/month if we pause ESPP)\n\nTake\u2011home is after maxing 401(k)s, HSA, and ESPP\n\nDebt:\n\nOnly an existing mortgage\n\nMonthly Expenses:\n\n\\~$7,000/month including current $3,000 mortgage\n\nAssets:\n\n$100K emergency fund\n\n$800K taxable investments\n\n$1.1M retirement accounts (401k, IRA, HSA)\n\nHome Purchase:\n\nConsidering a home around the $1M range\n\nEstimated payment around $5,000", "sort": "hot", "upvote_ratio": 0.38, "author": "JKBR24"}

selftext:
Age: Mid‑40s

Marital Status: Married

Children: None

Gross Income:

\~$300K household

$11K/month take‑home (can increase to $13K/month if we pause ESPP)

Take‑home is after maxing 401(k)s, HSA, and ESPP

Debt:

Only an existing mortgage

Monthly Expenses:

\~$7,000/month including current $3,000 mortgage

Assets:

$100K emergency fund

$800K taxable investments

$1.1M retirement accounts (401k, IRA, HSA)

Home Purchase:

Considering a home around the $1M range

Estimated payment around $5,000


topic_name: I just got a $20,000 raise. How should I handle this?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418377+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qs46s7/i_just_got_a_20000_raise_how_should_i_handle_this/

metadata:
{"subreddit": "personalfinance", "post_id": "1qs46s7", "score": 181, "num_comments": 100, "created_utc": 1769870754.0, "selftext": " I hope you guys are better than /r/povertyfinance\n\nHere's some background:\n\ndo not have a lot of money. I had a bad drug addiction in my 20s that I spent tens of thousands on drugs. I made a lot of bad financial decisions and I recognize that. I have been sober since 2016.\n\nIn 2017 I got hit with epilepsy and bipolar. Lots of hospital stays, some when I didn't have insurance. Then I got cauda equina which required emergency neurosurgery.\n\nSo I'm in ch13 bankruptcy and on top of that I have abou", "sort": "top", "upvote_ratio": 0.77, "author": "Funkit"}

selftext:
 I hope you guys are better than /r/povertyfinance

Here's some background:

do not have a lot of money. I had a bad drug addiction in my 20s that I spent tens of thousands on drugs. I made a lot of bad financial decisions and I recognize that. I have been sober since 2016.

In 2017 I got hit with epilepsy and bipolar. Lots of hospital stays, some when I didn't have insurance. Then I got cauda equina which required emergency neurosurgery.

So I'm in ch13 bankruptcy and on top of that I have abou


topic_name: Should I trade my car in?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qz7ux3/should_i_trade_my_car_in/
collected_at: 2026-02-12T00:04:50.635922+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qz7ux3", "score": 0, "num_comments": 13, "created_utc": 1770554256.0, "selftext": "I have a 2018 honda civic type r with aftermarket parts. Im sitting at 135k miles im currently financing the vehicle through my bank. This passed year i racked up 50k miles on it never had an issue i keep maintenance up to date with brakes oil etc. Since I put on 50k miles this year I was wondering if I should trade it in and get something cheaper? And if so how should I go about it I still owe the bank around 10k", "sort": "hot", "upvote_ratio": 0.45, "author": "No-Cauliflower8232"}

selftext:
I have a 2018 honda civic type r with aftermarket parts. Im sitting at 135k miles im currently financing the vehicle through my bank. This passed year i racked up 50k miles on it never had an issue i keep maintenance up to date with brakes oil etc. Since I put on 50k miles this year I was wondering if I should trade it in and get something cheaper? And if so how should I go about it I still owe the bank around 10k


topic_name: Ive come to rant about my life
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r06szw/ive_come_to_rant_about_my_life/
collected_at: 2026-02-12T00:04:59.457690+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r06szw", "score": 20, "num_comments": 7, "created_utc": 1770650099.0, "selftext": "Ive never felt soo let down as i am today. This is it. Ive officially hit a wall that feels impossible to climb. I lost my well paying job last month. I was already fighting low paychecks due to the volume at my business. Got to the point to where the restaurant i was running shut down and i was left jobless. I tried to apply for unemployment, but they run me in circles. My electricity is on 48 hr notice. Ive been waiting all week for this morning to contact churches and other groups to inquire ", "sort": "hot", "upvote_ratio": 0.81, "author": "Lucky_Ambassador_558"}

selftext:
Ive never felt soo let down as i am today. This is it. Ive officially hit a wall that feels impossible to climb. I lost my well paying job last month. I was already fighting low paychecks due to the volume at my business. Got to the point to where the restaurant i was running shut down and i was left jobless. I tried to apply for unemployment, but they run me in circles. My electricity is on 48 hr notice. Ive been waiting all week for this morning to contact churches and other groups to inquire 


topic_name: $939 rent on $1,500/month income…feasible with walking commute + second job?
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489403+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qpd449/939_rent_on_1500month_incomefeasible_with_walking/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qpd449", "score": 448, "num_comments": 333, "created_utc": 1769611166.0, "selftext": "Hi, I\u2019m 22 (F) and am currently looking to move out of my mother\u2019s house. I was hoping to stay longer as I start nursing school, but I realize that I\u2019m getting nowhere with saving money when I\u2019m the only adult out of her two adult sons actually paying bills and other household necessities. I recently found out that there\u2019s an apartment complex that\u2018s less than a 10 minute walk from my job (literally behind the building). The only issue is that the rent for a one bedroom is $939 and my monthly in", "sort": "top", "upvote_ratio": 0.92, "author": "shortcakebliss"}

selftext:
Hi, I’m 22 (F) and am currently looking to move out of my mother’s house. I was hoping to stay longer as I start nursing school, but I realize that I’m getting nowhere with saving money when I’m the only adult out of her two adult sons actually paying bills and other household necessities. I recently found out that there’s an apartment complex that‘s less than a 10 minute walk from my job (literally behind the building). The only issue is that the rent for a one bedroom is $939 and my monthly in


topic_name: [US] What is this “RE:Schedule 2025/2026” email I received, stating it was from a college friend?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0pxrw/us_what_is_this_reschedule_20252026_email_i/
collected_at: 2026-02-12T00:05:08.886896+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0pxrw", "score": 2, "num_comments": 9, "created_utc": 1770694398.0, "selftext": "I received an email this morning that stated it was from a college friend, with the title being \u201cRE: Schedule 2025/2026\u201d\n\n\u201cOn Monday, February 09, 2026 07:50 AM, \\[college friend\\] wrote:\n\nJanuary: 5 photos (here contains a link yblef.ufnsxwst.com and some random numbers)\n\nSincerely yours,\n\n\\[college friend\\]\u201d\n\nI have not clicked the link, but a family member of mine received something very similar from a different person a few weeks ago. Should I be concerned? What is this? Has anyone else rece", "sort": "hot", "upvote_ratio": 0.75, "author": "Kindly_Pepper_5783"}

selftext:
I received an email this morning that stated it was from a college friend, with the title being “RE: Schedule 2025/2026”

“On Monday, February 09, 2026 07:50 AM, \[college friend\] wrote:

January: 5 photos (here contains a link yblef.ufnsxwst.com and some random numbers)

Sincerely yours,

\[college friend\]”

I have not clicked the link, but a family member of mine received something very similar from a different person a few weeks ago. Should I be concerned? What is this? Has anyone else rece


topic_name: (US) FIL got a call that he won $82,000
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qrvigb/us_fil_got_a_call_that_he_won_82000/
collected_at: 2026-02-12T00:05:12.359054+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qrvigb", "score": 57, "num_comments": 25, "created_utc": 1769843049.0, "selftext": "Hey all, I am fully convinced that my FIL (70 years old) is being targeted and set up for a scam. It's been a roller coaster of two days trying to make him realize what's going on. \n\nI was at work yesterday and my FIL calls me but I was busy and couldn't answer. 1 min later he sends a text saying he just won $72,000. He will play some small lotto games at a bar/restaurant sometimes so I immediately think this the source. NOPE\n\nI call him back and he tells me that some lady from California called", "sort": "top", "upvote_ratio": 0.94, "author": "FishOn12716"}

selftext:
Hey all, I am fully convinced that my FIL (70 years old) is being targeted and set up for a scam. It's been a roller coaster of two days trying to make him realize what's going on. 

I was at work yesterday and my FIL calls me but I was busy and couldn't answer. 1 min later he sends a text saying he just won $72,000. He will play some small lotto games at a bar/restaurant sometimes so I immediately think this the source. NOPE

I call him back and he tells me that some lady from California called


topic_name: Apple Reportedly Moving Ahead With Ads in Maps App
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889957+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1oig4wq/apple_reportedly_moving_ahead_with_ads_in_maps_app/

metadata:
{"subreddit": "assholedesign", "post_id": "1oig4wq", "score": 1581, "num_comments": 151, "created_utc": 1761673458.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "Tail_sb"}


topic_name: lol - found scrolling
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qslmgv/lol_found_scrolling/
collected_at: 2026-02-12T00:05:26.020678+00:00
autocomplete: []
selftext: Here for the realization!
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qslmgv", "score": 777, "num_comments": 32, "created_utc": 1769911957.0, "selftext": "Here for the realization! ", "sort": "hot", "upvote_ratio": 0.99, "author": "uhhshlay"}


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qinr25/comment_biz_to_find_out_more_i_didnt_realize/
collected_at: 2026-02-12T00:05:30.135247+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
Comment BIZ to find out more. I didn't realize pyramid schemers were allowed to hand out "peptides" to the masses.  *sigh*  I really hate these people.

metadata:
{"subreddit": "antiMLM", "post_id": "1qinr25", "score": 76, "num_comments": 35, "created_utc": 1768968577.0, "selftext": "", "sort": "top", "upvote_ratio": 0.97, "author": "WizardsOfXanthus"}


topic_name: Insurance Fraudulent Claim
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r17w9z/insurance_fraudulent_claim/
collected_at: 2026-02-12T00:05:44.256849+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r17w9z", "score": 2, "num_comments": 8, "created_utc": 1770746225.0, "selftext": "So my car went viral on TikTok with my plates visible. Some scammer filed a fake insurance claim saying I hit them in MINNESOTA (I\u2019ve literally never left Texas). Now GEICO won\u2019t remove it even though they basically admitted on recorded calls they know it\u2019s fraud. My rates jumped from $360 to $700-1500/month everywhere I checked. Been off the road for a week losing money, finally had to pay $362 just for state minimum coverage when I had full coverage before. Even the supervisor said \u201cnot at fau", "sort": "hot", "upvote_ratio": 0.75, "author": "Mundane_Asparagus616"}

selftext:
So my car went viral on TikTok with my plates visible. Some scammer filed a fake insurance claim saying I hit them in MINNESOTA (I’ve literally never left Texas). Now GEICO won’t remove it even though they basically admitted on recorded calls they know it’s fraud. My rates jumped from $360 to $700-1500/month everywhere I checked. Been off the road for a week losing money, finally had to pay $362 just for state minimum coverage when I had full coverage before. Even the supervisor said “not at fau


topic_name: How much is this going to hurt?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qtk7v2/how_much_is_this_going_to_hurt/
collected_at: 2026-02-12T00:05:47.658537+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qtk7v2", "score": 6, "num_comments": 35, "created_utc": 1770003692.0, "selftext": "My car just got totalled while parked (no one in it) it's a 2026 I purchased 4 months ago with 3400 miles on it. \n\nI'm a bit terrified about how much this insurance payout is going to be....\n\nThe other driver and I both have GEICO.\n\nAny thoughts, or advice?", "sort": "top", "upvote_ratio": 0.62, "author": "KTRyan30"}

selftext:
My car just got totalled while parked (no one in it) it's a 2026 I purchased 4 months ago with 3400 miles on it. 

I'm a bit terrified about how much this insurance payout is going to be....

The other driver and I both have GEICO.

Any thoughts, or advice?


source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366504+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
topic_name:
Whoops prevents users from scrolling down to the cancellation link by stopping the scroll before it's shown, making it seem like the page has ended.

url:
https://reddit.com/r/darkpatterns/comments/1j44jga/whoops_prevents_users_from_scrolling_down_to_the/

metadata:
{"subreddit": "darkpatterns", "post_id": "1j44jga", "score": 57, "num_comments": 3, "created_utc": 1741185581.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "EatingFiveBatteries"}


topic_name: I'm trying to have a positive attitude
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qutpi8/im_trying_to_have_a_positive_attitude/
collected_at: 2026-02-12T00:06:01.657117+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qutpi8", "score": 25, "num_comments": 39, "created_utc": 1770129723.0, "selftext": "My husband has a very seasonal, effective job. With that being said, he is heading into what could be almost a full month without any jobs. We have plenty of food atm, but I'm struggling with finding creative recipes using the same cuts of meats over and over (we have a Costco membership and got bulk chicken thighs and wings and ground beef before he was out of work) I have a lot of potatoes and ricd too. I guess my question is how can I use these in other recipes other than roasting. I'm starti", "sort": "hot", "upvote_ratio": 0.71, "author": "Adept-Emu-8292"}

selftext:
My husband has a very seasonal, effective job. With that being said, he is heading into what could be almost a full month without any jobs. We have plenty of food atm, but I'm struggling with finding creative recipes using the same cuts of meats over and over (we have a Costco membership and got bulk chicken thighs and wings and ground beef before he was out of work) I have a lot of potatoes and ricd too. I guess my question is how can I use these in other recipes other than roasting. I'm starti


topic_name: Business credit card interest rates
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1k3ix/business_credit_card_interest_rates/
collected_at: 2026-02-12T00:06:10.588075+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1k3ix", "score": 2, "num_comments": 6, "created_utc": 1770774370.0, "selftext": "Have a legacy BOFA business CC that has worse rewards than the current cards but I have a lower legacy interest rate incase I keep a balance (rarely but it\u2019s like a line of credit). The rate is 14.7%. Does anyone know the new rates for business cards right now assuming tier 1 credit? Thx. ", "sort": "hot", "upvote_ratio": 1.0, "author": "johnnygobbs1"}

selftext:
Have a legacy BOFA business CC that has worse rewards than the current cards but I have a lower legacy interest rate incase I keep a balance (rarely but it’s like a line of credit). The rate is 14.7%. Does anyone know the new rates for business cards right now assuming tier 1 credit? Thx. 


topic_name: Stay the F*ck away from Synchrony Credit Cards
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qx2pxu/stay_the_fck_away_from_synchrony_credit_cards/
collected_at: 2026-02-12T00:06:13.782266+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qx2pxu", "score": 58, "num_comments": 41, "created_utc": 1770337792.0, "selftext": "Oh my god i am so pissed off at Synchrony bank credit Cards. They now charge a paper statement fee $2.99 per month. And they keep charging me even though i've already request to switch to electronic bank statement. I called customer service and they said, oh, that's because we don't have your email on file. TOTAL BULLSH\\*T! I just received an email from them that my payment was made. Total assholes. ", "sort": "top", "upvote_ratio": 0.78, "author": "joshmac2260yahoo"}

selftext:
Oh my god i am so pissed off at Synchrony bank credit Cards. They now charge a paper statement fee $2.99 per month. And they keep charging me even though i've already request to switch to electronic bank statement. I called customer service and they said, oh, that's because we don't have your email on file. TOTAL BULLSH\*T! I just received an email from them that my payment was made. Total assholes. 


topic_name: Ageism and hostile work environment
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r27i5i/ageism_and_hostile_work_environment/
collected_at: 2026-02-12T00:06:18.921066+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r27i5i", "score": 1, "num_comments": 1, "created_utc": 1770839222.0, "selftext": "Location: KY.\n\nThe day my husband turned 59 1/2, he was terminated from his job for \" performance issues.\" All this started a little over 3 years ago when we lost a child. His mind, naturally, wasn't where it should be. Everything improved after about 6 months, except his younger boss's attitude towards my husband. My husband has worked as a warehouse manager/supervisor for over 30 years with never, not one single complaint, performance, or otherwise. At this last job, leading up to his terminat", "sort": "hot", "upvote_ratio": 1.0, "author": "Donotmakepankycranky"}

selftext:
Location: KY.

The day my husband turned 59 1/2, he was terminated from his job for " performance issues." All this started a little over 3 years ago when we lost a child. His mind, naturally, wasn't where it should be. Everything improved after about 6 months, except his younger boss's attitude towards my husband. My husband has worked as a warehouse manager/supervisor for over 30 years with never, not one single complaint, performance, or otherwise. At this last job, leading up to his terminat


topic_name: Mom took out student loans in my name. What Actions to take?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r0gtxk/mom_took_out_student_loans_in_my_name_what/
collected_at: 2026-02-12T00:06:22.356730+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r0gtxk", "score": 469, "num_comments": 61, "created_utc": 1770671755.0, "selftext": "I went to university really young, at age 15. I was on scholarship and my state (Louisiana) had a program called TOPS that paid 100% of tuition. So I had no need for student loans at all.\n\nI remember her talking to me about them, saying she'd pay them I think (at one point). But I didn't really even understand what a student loan was, so I just said okay.\n\nI'm 28 years old now, and I had some life difficulties. I had to get back into school two years ago to finish. Found out about the student lo", "sort": "top", "upvote_ratio": 0.94, "author": "dictormagic"}

selftext:
I went to university really young, at age 15. I was on scholarship and my state (Louisiana) had a program called TOPS that paid 100% of tuition. So I had no need for student loans at all.

I remember her talking to me about them, saying she'd pay them I think (at one point). But I didn't really even understand what a student loan was, so I just said okay.

I'm 28 years old now, and I had some life difficulties. I had to get back into school two years ago to finish. Found out about the student lo


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qnhkut/lpt_if_you_find_a_water_stain_on_your_ceiling_or/
collected_at: 2026-02-12T00:06:28.286242+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If you find a water stain on your ceiling or a leak under your sink, report it immediately. Ignoring it for even a week can cause your insurance claim to be denied.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qnhkut", "score": 1051, "num_comments": 85, "created_utc": 1769437908.0, "selftext": "Most homeowners assume their insurance covers \"water damage.\" It doesn't.\n\n\n\nStandard policies cover \"Sudden and Accidental\" discharge of water (like a burst pipe or a washing machine hose snapping).\n\n\n\nThey explicitly exclude damage caused by \"seepage, leakage, or maintenance issues\" that occur over a period of time (usually defined as 14 days or more).\n\n\n\nThe Trap:\n\nIf you see a small stain on the ceiling and think, \"I'll deal with that next month,\" you are walking into a denial.\n\n\\- If the ad", "sort": "hot", "upvote_ratio": 0.87, "author": "dogeholder215"}

selftext:
Most homeowners assume their insurance covers "water damage." It doesn't.



Standard policies cover "Sudden and Accidental" discharge of water (like a burst pipe or a washing machine hose snapping).



They explicitly exclude damage caused by "seepage, leakage, or maintenance issues" that occur over a period of time (usually defined as 14 days or more).



The Trap:

If you see a small stain on the ceiling and think, "I'll deal with that next month," you are walking into a denial.

\- If the ad


topic_name: Opinions about the Ninja Sizzle Pro
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r01ton/opinions_about_the_ninja_sizzle_pro/
collected_at: 2026-02-12T00:06:36.789862+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r01ton", "score": 2, "num_comments": 2, "created_utc": 1770636642.0, "selftext": "I am looking for an electrical indoor grill and hear a lot about the Ninja Sizzle Pro (xl). Because of a Ninja vs Vitamix trauma caused by this sub, I am sceptical though and wanted to know whether there are again better alternatives or if this thing is reliable enough. ", "sort": "hot", "upvote_ratio": 0.75, "author": "Humble_Classic_1335"}

selftext:
I am looking for an electrical indoor grill and hear a lot about the Ninja Sizzle Pro (xl). Because of a Ninja vs Vitamix trauma caused by this sub, I am sceptical though and wanted to know whether there are again better alternatives or if this thing is reliable enough. 


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qoe1fs/my_1993_ibm_model_m_keyboard_that_i_daily/
collected_at: 2026-02-12T00:06:40.492513+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
my 1993 IBM Model M keyboard that i daily. Recently got it repaired and screw modded and cleaned up the rust myself as it had a rust problem. Its been my daily since 2021

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qoe1fs", "score": 265, "num_comments": 49, "created_utc": 1769521018.0, "selftext": "", "sort": "top", "upvote_ratio": 0.95, "author": "devo574"}


topic_name: Fixing a FREE tv from Facebook marketplace. #technology #tech #tv #shorts
source: youtube
region: US
url: https://youtube.com/watch?v=5EBlryvKO2o
collected_at: 2026-02-12T00:04:31.072069
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "5EBlryvKO2o", "channel": "Eric Zhang", "category": "Science & Technology", "category_id": 28, "views": "3179058", "view_count": 3179058, "likes": "201145", "published_at": "2026-02-02T02:39:36Z"}


topic_name: Two Year Period Only: S&amp;P 500 or CD Savings Account
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815109+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r21qnc/two_year_period_only_sp_500_or_cd_savings_account/

metadata:
{"subreddit": "personalfinance", "post_id": "1r21qnc", "score": 1, "num_comments": 9, "created_utc": 1770826788.0, "selftext": "My plan is to buy a house in 2-years. Goal: $100k down-payment saved in two years. \n\nBecause this is short term, I planned to do a CD account once I received my dad's probate. The CD account can offer me 4% returns in the first year ($1500 on my $38,000 I have, minus some taxes I'll pay on the interest income). \n\nI got the money today from my dad's probate, and I am ready to go through with my plan.\n\nHowever my co-worker, who is good with investing and knows more about the markets, is calling me", "sort": "hot", "upvote_ratio": 0.6, "author": "Prudent_Outcome554"}

selftext:
My plan is to buy a house in 2-years. Goal: $100k down-payment saved in two years. 

Because this is short term, I planned to do a CD account once I received my dad's probate. The CD account can offer me 4% returns in the first year ($1500 on my $38,000 I have, minus some taxes I'll pay on the interest income). 

I got the money today from my dad's probate, and I am ready to go through with my plan.

However my co-worker, who is good with investing and knows more about the markets, is calling me


topic_name: Make sense to go from 30 year 6.25% mortgage to a 15 year 4.875% mortgage
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418380+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qets2z/make_sense_to_go_from_30_year_625_mortgage_to_a/

metadata:
{"subreddit": "personalfinance", "post_id": "1qets2z", "score": 174, "num_comments": 132, "created_utc": 1768601254.0, "selftext": "House value: 1.1 million \n\nLoan amount 780k \n\nCurrent monthly mortgage (6.25% 30 year)  include insurance and property tax: $6500 , the loan is 9 months old. \n\nNew monthly mortgage (4.875% 15 year)  including insurance and property tax : $7900 \n\nGross annual income: 500k, net pay after taxes and full retirement contributions: 20k \n\nStudent loans $330k at 6% total,  $4k a month starting in 10 months\n\nDoes it make sense to go to the 15 year or stick to the 30 year at a potentially lower rate of 5.", "sort": "top", "upvote_ratio": 0.78, "author": "existentialporcupine"}

selftext:
House value: 1.1 million 

Loan amount 780k 

Current monthly mortgage (6.25% 30 year)  include insurance and property tax: $6500 , the loan is 9 months old. 

New monthly mortgage (4.875% 15 year)  including insurance and property tax : $7900 

Gross annual income: 500k, net pay after taxes and full retirement contributions: 20k 

Student loans $330k at 6% total,  $4k a month starting in 10 months

Does it make sense to go to the 15 year or stick to the 30 year at a potentially lower rate of 5.


topic_name: Can I make working at a car dealership a career?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qyz21k/can_i_make_working_at_a_car_dealership_a_career/
collected_at: 2026-02-12T00:04:50.635926+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qyz21k", "score": 4, "num_comments": 7, "created_utc": 1770524023.0, "selftext": "I\u2019ve been working at this car dealership for a little bit, I\u2019ve had some prior experience doing parts inventory, now I\u2019m a porter, I\u2019m just wondering if it\u2019s worth trying to establish a career in this field. \n\nI have a degree and I feel like I could be successful at anything I put my mind towards- I\u2019m just curious. \n\nMight be worth to note that my mother is a HR Payroll Manager, so could that also possibly work in my favor? ", "sort": "hot", "upvote_ratio": 0.83, "author": "SnooDoubts3411"}

selftext:
I’ve been working at this car dealership for a little bit, I’ve had some prior experience doing parts inventory, now I’m a porter, I’m just wondering if it’s worth trying to establish a career in this field. 

I have a degree and I feel like I could be successful at anything I put my mind towards- I’m just curious. 

Might be worth to note that my mother is a HR Payroll Manager, so could that also possibly work in my favor? 


topic_name: Sales so far this January
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qo0jvg/sales_so_far_this_january/
collected_at: 2026-02-12T00:04:53.860516+00:00
autocomplete: []
selftext: How have your sales been this month? Normal for a January?
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qo0jvg", "score": 7, "num_comments": 11, "created_utc": 1769479458.0, "selftext": "How have your sales been this month? Normal for a January?", "sort": "top", "upvote_ratio": 0.89, "author": "Difficult-Text1690"}


topic_name: Might be homeless, advice?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0u9io/might_be_homeless_advice/
collected_at: 2026-02-12T00:04:59.457694+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r0u9io", "score": 0, "num_comments": 5, "created_utc": 1770708022.0, "selftext": "(Wyoming) We lived in a house for over a year but it became too expensive, there is 4 of us total. Me, my fiance, and two roommates. We have dogs and cats. M (one roommate) mom said thay we can stay with her in a house if we help pay bc she needed to move back into town. Once we got the okay that was all good we moved in before she could get to town. The day she was supposed to move in they (the reality company) told us we needed to be out by the 28th bc aparently it didn't actually get worked o", "sort": "hot", "upvote_ratio": 0.45, "author": "grody-kody"}

selftext:
(Wyoming) We lived in a house for over a year but it became too expensive, there is 4 of us total. Me, my fiance, and two roommates. We have dogs and cats. M (one roommate) mom said thay we can stay with her in a house if we help pay bc she needed to move back into town. Once we got the okay that was all good we moved in before she could get to town. The day she was supposed to move in they (the reality company) told us we needed to be out by the 28th bc aparently it didn't actually get worked o


topic_name: Dad in HCOL, drowning quietly. Just need to say this out loud.
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qm9xtx/dad_in_hcol_drowning_quietly_just_need_to_say/
collected_at: 2026-02-12T00:05:03.489406+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qm9xtx", "score": 438, "num_comments": 166, "created_utc": 1769317572.0, "selftext": "I don\u2019t even know why I\u2019m writing this. I guess I just need somewhere to be honest.\n\nI moved here in 2022. Family of four. Two kids, son 16 (17 soon), daughter 12. They\u2019re good kids. That\u2019s the one thing I\u2019m truly proud of.\n\nMy wife deserves real credit. She carried the kids for years, stayed home with them, raised them, held the family together while I was always working. Even now, most of what they are emotionally comes from her. I\u2019ve always been the provider, the worker. That was our balance.", "sort": "top", "upvote_ratio": 0.92, "author": "Infinite_Ad6668"}

selftext:
I don’t even know why I’m writing this. I guess I just need somewhere to be honest.

I moved here in 2022. Family of four. Two kids, son 16 (17 soon), daughter 12. They’re good kids. That’s the one thing I’m truly proud of.

My wife deserves real credit. She carried the kids for years, stayed home with them, raised them, held the family together while I was always working. Even now, most of what they are emotionally comes from her. I’ve always been the provider, the worker. That was our balance.


topic_name: I'm getting scammed with a Dji Pocket 3 on eBay
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0tj9u/im_getting_scammed_with_a_dji_pocket_3_on_ebay/
collected_at: 2026-02-12T00:05:08.886899+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0tj9u", "score": 0, "num_comments": 15, "created_utc": 1770705437.0, "selftext": "I saw a DJI Pocket 3 being sold for $235 on eBay which is an amazing price. I saw that the seller is brand new, but I thought eBay has a good money-back guarantee, so I bought it. Shortly after, the eBay account is deleted. So I know it was a scam, but I thought I would wait till it was supposed to arrive to file a complaint. Multiple days after the expected delivery, I reported the item as never arriving to eBay. A couple of days later, all of a sudden the tracking is updated which shows it del", "sort": "hot", "upvote_ratio": 0.45, "author": "Bobolinkage"}

selftext:
I saw a DJI Pocket 3 being sold for $235 on eBay which is an amazing price. I saw that the seller is brand new, but I thought eBay has a good money-back guarantee, so I bought it. Shortly after, the eBay account is deleted. So I know it was a scam, but I thought I would wait till it was supposed to arrive to file a complaint. Multiple days after the expected delivery, I reported the item as never arriving to eBay. A couple of days later, all of a sudden the tracking is updated which shows it del


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1oh6nqr/australian_competition_and_consumer_commission/
collected_at: 2026-02-12T00:05:17.889960+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Australian Competition and Consumer Commission sues Microsoft for allegedly misleading millions of Australians with Microsoft 365 subscription hikes

metadata:
{"subreddit": "assholedesign", "post_id": "1oh6nqr", "score": 691, "num_comments": 18, "created_utc": 1761544245.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "The_Duc_Lord"}


topic_name: Greatway Financial
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qtoh58/greatway_financial/
collected_at: 2026-02-12T00:05:26.020681+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qtoh58", "score": 3, "num_comments": 2, "created_utc": 1770017053.0, "selftext": "Back in 2019, my mom was approached by her friend to try Greatway. Long story short, my ended up joining them and she tag me and my siblings along. At the age of 18, under my mom's supervision, I ended signing up to a $100 every month. \n\nSo, right now, I want to cancel this insurance, I'm just wondering if any of you had experience with cancellation? Please help me and give me some advice. ", "sort": "hot", "upvote_ratio": 1.0, "author": "Affectionate_Fan3870"}

selftext:
Back in 2019, my mom was approached by her friend to try Greatway. Long story short, my ended up joining them and she tag me and my siblings along. At the age of 18, under my mom's supervision, I ended signing up to a $100 every month. 

So, right now, I want to cancel this insurance, I'm just wondering if any of you had experience with cancellation? Please help me and give me some advice. 


topic_name: Hun does not respond well to unsolicited (legitimate) questions.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qd53c8/hun_does_not_respond_well_to_unsolicited/
collected_at: 2026-02-12T00:05:30.135250+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qd53c8", "score": 74, "num_comments": 42, "created_utc": 1768438348.0, "selftext": "", "sort": "top", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: Is this normal?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1e69d/is_this_normal/
collected_at: 2026-02-12T00:05:44.256852+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1e69d", "score": 1, "num_comments": 8, "created_utc": 1770759764.0, "selftext": "Moved to a house in September last year. Sewer line has roots in it. I purchased underground utility coverage for $10k limit per occurance.\n\nThey send out the claims to a 3rd party company. that company says they will provide me with $2500 in coverage because the lines are 50+ years old.\n\nIs this normal? I purchased that coverage of 10k for a reason. Why am I not getting my full amount covered by my insurance? ", "sort": "hot", "upvote_ratio": 1.0, "author": "sehtnik"}

selftext:
Moved to a house in September last year. Sewer line has roots in it. I purchased underground utility coverage for $10k limit per occurance.

They send out the claims to a 3rd party company. that company says they will provide me with $2500 in coverage because the lines are 50+ years old.

Is this normal? I purchased that coverage of 10k for a reason. Why am I not getting my full amount covered by my insurance? 


topic_name: Totaled car value from State Farm
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qqwfcf/totaled_car_value_from_state_farm/
collected_at: 2026-02-12T00:05:47.658541+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qqwfcf", "score": 6, "num_comments": 51, "created_utc": 1769749984.0, "selftext": "OK, I\u2019m looking for some help. My car was totaled. I\u2019m not at fault. I paid 17,000 exactly 2 years ago. I know I\u2019m not gonna get that much back wasn\u2019t expecting that however they sent me the offer today of $8400.\n\nIn the three comps they gave were around $10,000-11000\n\nThey basically pulled them from two tiny dealerships that only have maybe like 30 cars and then one big dealership\n\nThe details about my car we\u2019re all incorrect as far as saying that my seats were scratched, and this is headliner ", "sort": "top", "upvote_ratio": 0.64, "author": "Embarrassed_City8498"}

selftext:
OK, I’m looking for some help. My car was totaled. I’m not at fault. I paid 17,000 exactly 2 years ago. I know I’m not gonna get that much back wasn’t expecting that however they sent me the offer today of $8400.

In the three comps they gave were around $10,000-11000

They basically pulled them from two tiny dealerships that only have maybe like 30 cars and then one big dealership

The details about my car we’re all incorrect as far as saying that my seats were scratched, and this is headliner 


topic_name: Cancel membership - false call-to-action + success page
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366507+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1j0kztz/cancel_membership_false_calltoaction_success_page/

metadata:
{"subreddit": "darkpatterns", "post_id": "1j0kztz", "score": 50, "num_comments": 0, "created_utc": 1740783896.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.94, "author": "Remark-Omsoc"}


topic_name: I need help with keeping in-budget on my monthly food shop
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1quxj8r/i_need_help_with_keeping_inbudget_on_my_monthly/
collected_at: 2026-02-12T00:06:01.657120+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1quxj8r", "score": 14, "num_comments": 38, "created_utc": 1770138207.0, "selftext": "hi there, \n\nim pretty new to this subreddit, and also new to adulting, and due to some unfortunate circumstances that I am currently in a position where I cannot change my living situation, I can only afford to spend between \u00a330 and \u00a350 per month (yes, I mean month not week) on my food shop as bills wipe out the rest of what I receive. i am based in the UK, and can\u2019t walk very far so I cannot utilise resources like Aldi or Lidl because in my area Aldi and Lidl don\u2019t do delivery services. I\u2019ve cu", "sort": "hot", "upvote_ratio": 0.74, "author": "ke76541"}

selftext:
hi there, 

im pretty new to this subreddit, and also new to adulting, and due to some unfortunate circumstances that I am currently in a position where I cannot change my living situation, I can only afford to spend between £30 and £50 per month (yes, I mean month not week) on my food shop as bills wipe out the rest of what I receive. i am based in the UK, and can’t walk very far so I cannot utilise resources like Aldi or Lidl because in my area Aldi and Lidl don’t do delivery services. I’ve cu


topic_name: Best way to get a credit limit increase?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1oh8z/best_way_to_get_a_credit_limit_increase/
collected_at: 2026-02-12T00:06:10.588078+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1oh8z", "score": 1, "num_comments": 5, "created_utc": 1770786704.0, "selftext": "What\u2019s the best way to get a credit limit increase on most cards? Is it just time? High utilization paid off each month? I just want to make sure I do the right things in order to get CLI. ", "sort": "hot", "upvote_ratio": 0.6, "author": "WalrusAny2453"}

selftext:
What’s the best way to get a credit limit increase on most cards? Is it just time? High utilization paid off each month? I just want to make sure I do the right things in order to get CLI. 


topic_name: I realize I don't need a travel credit card
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qn5dqm/i_realize_i_dont_need_a_travel_credit_card/
collected_at: 2026-02-12T00:06:13.782271+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qn5dqm", "score": 58, "num_comments": 44, "created_utc": 1769399784.0, "selftext": "I travel 2 \\~ 3 times a year and spend roughly $20,000. A credit card with 8x points would save me 8 - 10% if the points is redeemed at higher cpp.\n\nbut then I realize that bying booking flights / hotels earlier, I can easily save 50%, or even 66%, easily beat all the benefits any credit card could offer.\n\nand if I book with things like Costco travel, I still get 3% cashback with Costo's credit card or my BoA credit card.", "sort": "top", "upvote_ratio": 0.74, "author": "tactoth"}

selftext:
I travel 2 \~ 3 times a year and spend roughly $20,000. A credit card with 8x points would save me 8 - 10% if the points is redeemed at higher cpp.

but then I realize that bying booking flights / hotels earlier, I can easily save 50%, or even 66%, easily beat all the benefits any credit card could offer.

and if I book with things like Costco travel, I still get 3% cashback with Costo's credit card or my BoA credit card.


topic_name: I got fired for forming a union
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r1oq12/i_got_fired_for_forming_a_union/
collected_at: 2026-02-12T00:06:18.921070+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1oq12", "score": 16, "num_comments": 14, "created_utc": 1770787461.0, "selftext": "Location: WA state \n\nBack in October, I was let go from my job. I was told my position was eliminated and then they offered me a lower position at a site that is too far away from my location. I had an arranged hybrid position to accommodate my son\u2019s daycare schedule and this \u201coffer\u201d was explicitly stated to be 5 days a week. They were also hiring for that same position at the location I worked at. \n\nAt the time, I had suspicions it was due to my activity in attempting to form a union. Which I w", "sort": "hot", "upvote_ratio": 0.64, "author": "whisperingstars"}

selftext:
Location: WA state 

Back in October, I was let go from my job. I was told my position was eliminated and then they offered me a lower position at a site that is too far away from my location. I had an arranged hybrid position to accommodate my son’s daycare schedule and this “offer” was explicitly stated to be 5 days a week. They were also hiring for that same position at the location I worked at. 

At the time, I had suspicions it was due to my activity in attempting to form a union. Which I w


topic_name: Fired &amp; being investigated for Theft for handing out "Free Small Drink" cards with permission.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qscfp6/fired_being_investigated_for_theft_for_handing/
collected_at: 2026-02-12T00:06:22.356734+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qscfp6", "score": 472, "num_comments": 42, "created_utc": 1769889306.0, "selftext": "Location: Colorado\n\nYesterday (01/30) I walked up to my District Manager with a stack of 'Free Small Drink' cards that were going to expire today (01/31) and asked, \"Should we pass these out today and then throw the rest away at the end of the day? Because we obviously can't pass them out tomorrow since they expire.\" She said, \"Yeah, please do that. We've been getting a lot of them in today since they expire tomorrow. Just make sure to tell the closers to throw the rest out before they leave.\"\n\n", "sort": "top", "upvote_ratio": 0.94, "author": "firecoloredfeathers"}

selftext:
Location: Colorado

Yesterday (01/30) I walked up to my District Manager with a stack of 'Free Small Drink' cards that were going to expire today (01/31) and asked, "Should we pass these out today and then throw the rest away at the end of the day? Because we obviously can't pass them out tomorrow since they expire." She said, "Yeah, please do that. We've been getting a lot of them in today since they expire tomorrow. Just make sure to tell the closers to throw the rest out before they leave."


topic_name: LPT: You can both change your last name arbitrarily when getting married.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qmqyxu/lpt_you_can_both_change_your_last_name/
collected_at: 2026-02-12T00:06:28.286246+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qmqyxu", "score": 7445, "num_comments": 760, "created_utc": 1769365541.0, "selftext": "This is something that most folks don't seem to be aware of, or that it might be an option, so I thought I'd pass it along. Ahead of our wedding in 2022, we decided that neither of us thought it would be worth hyphenating or taking either of our original last names, so we looked it up. It turns out that the marriage forms don't specify anything about 'taking' a name on either side. \n\nIt's a long story as to why we went this route, but honestly it was a fun project, and people ask us about it oft", "sort": "hot", "upvote_ratio": 0.89, "author": "charliethegeek"}

selftext:
This is something that most folks don't seem to be aware of, or that it might be an option, so I thought I'd pass it along. Ahead of our wedding in 2022, we decided that neither of us thought it would be worth hyphenating or taking either of our original last names, so we looked it up. It turns out that the marriage forms don't specify anything about 'taking' a name on either side. 

It's a long story as to why we went this route, but honestly it was a fun project, and people ask us about it oft


topic_name: LPT request: How do I deal with getting snubbed at work for a promotion?
source: reddit
region: global
collected_at: 2026-02-12T00:06:31.302222+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qkjhwa/lpt_request_how_do_i_deal_with_getting_snubbed_at/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qkjhwa", "score": 650, "num_comments": 151, "created_utc": 1769149903.0, "selftext": "Hi \n\nSo I want some tips. Recently there was some changes in the place I work and as a result some of my peers got promoted. I was snubbed for it. I feel quite down for it. I am always available to support the team, always finish my work on time and always proactive with my tasks. \n\nI am kinda bummed out because I think I am a willing worker and still was overlooked. How should I deal with this at work?", "sort": "top", "upvote_ratio": 0.92, "author": "sbaral1212"}

selftext:
Hi 

So I want some tips. Recently there was some changes in the place I work and as a result some of my peers got promoted. I was snubbed for it. I feel quite down for it. I am always available to support the team, always finish my work on time and always proactive with my tasks. 

I am kinda bummed out because I think I am a willing worker and still was overlooked. How should I deal with this at work?


topic_name: Color Printer for use with Glossy paper
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0cg8g/color_printer_for_use_with_glossy_paper/
collected_at: 2026-02-12T00:06:36.789866+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0cg8g", "score": 0, "num_comments": 5, "created_utc": 1770662313.0, "selftext": "I'm looking for a printer that I can use to print covers for Video Games like for the Nintendo DS, so that I can recreate the cases.\n\nThe printer must be able to print COLOR on GLOSSY paper.\nI've seen a lot of recommendations for Brother LaserJet printers but all of the ones I have seen are monochrome.\nI will be using it for monochrome, traditional letter paper, sometimes. \n\nI want this thing to last me more than our Epson office printer that lasted 6 months. \n\nEdit: Since it seems to be a talki", "sort": "hot", "upvote_ratio": 0.33, "author": "VolansGaming"}

selftext:
I'm looking for a printer that I can use to print covers for Video Games like for the Nintendo DS, so that I can recreate the cases.

The printer must be able to print COLOR on GLOSSY paper.
I've seen a lot of recommendations for Brother LaserJet printers but all of the ones I have seen are monochrome.
I will be using it for monochrome, traditional letter paper, sometimes. 

I want this thing to last me more than our Epson office printer that lasted 6 months. 

Edit: Since it seems to be a talki


topic_name: you don’t see this on products these days!
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qin6ht/you_dont_see_this_on_products_these_days/
collected_at: 2026-02-12T00:06:40.492518+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qin6ht", "score": 258, "num_comments": 37, "created_utc": 1768966977.0, "selftext": "i was very happy to find this tree stand at the thrift store today! it\u2019s in great shape, been through a few lifetimes maybe ", "sort": "top", "upvote_ratio": 0.89, "author": "cascade_craig"}

selftext:
i was very happy to find this tree stand at the thrift store today! it’s in great shape, been through a few lifetimes maybe 


topic_name: gut check regarding Roth withdrawal ordering rules with backdoor and mega-backdoor contributions.
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000221+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qdqzvj/gut_check_regarding_roth_withdrawal_ordering/

metadata:
{"subreddit": "financialindependence", "post_id": "1qdqzvj", "score": 33, "num_comments": 16, "created_utc": 1768500561.0, "selftext": "For sake of argument, suppose I quit my job today with the following:\n\n* $800k in traditional 401(k) - consists of my pre-tax contributions, employer contributions, and earnings\n* $200k in Roth 401(k) - consists of $100k contributions I made to after-tax, non-Roth 401k, and immediately converted to Roth using in-plan conversion, plus $100k in earnings it's made since then. (MBDR)\n* $400k in Roth IRAs - Consists of $200k in conversions from traditional IRA (a little bit each year for the past 13 ", "sort": "hot", "upvote_ratio": 0.83, "author": "welliamwallace"}

selftext:
For sake of argument, suppose I quit my job today with the following:

* $800k in traditional 401(k) - consists of my pre-tax contributions, employer contributions, and earnings
* $200k in Roth 401(k) - consists of $100k contributions I made to after-tax, non-Roth 401k, and immediately converted to Roth using in-plan conversion, plus $100k in earnings it's made since then. (MBDR)
* $400k in Roth IRAs - Consists of $200k in conversions from traditional IRA (a little bit each year for the past 13 


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397354+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are some effective strategies for staying calm and safe in dangerous situations, and how can people develop these skills?


topic_name: Super Bowl 2026 LIVE: Patriots and Seahawks Fans at Levi’s Stadium, CA | Bad Bunny Halftime | N18G
source: youtube
region: US
url: https://youtube.com/watch?v=vGatco5TXGk
collected_at: 2026-02-12T00:04:30.406848
autocomplete: []
category: News & Politics
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "vGatco5TXGk", "channel": "CNBC-TV18", "category": "News & Politics", "category_id": 25, "views": "3079439", "view_count": 3079439, "likes": "3302", "published_at": "2026-02-09T13:01:41Z"}


source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815113+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Unclaimed funds website shows money owed that I believe I already received. Looking for advice on what to do next.

url:
https://reddit.com/r/personalfinance/comments/1r21nv1/unclaimed_funds_website_shows_money_owed_that_i/

metadata:
{"subreddit": "personalfinance", "post_id": "1r21nv1", "score": 1, "num_comments": 8, "created_utc": 1770826619.0, "selftext": "A long time ago (\\~25 years) my car was damaged in a storm, and I received a check every 6 months from my insurance company that I did not cash because it was made out to me and the lien holder. I eventually paid the car off and requested the check from the insurance company, which I received and cashed. \n\nI did a search of unclaimed funds and it shows there are unclaimed funds with the lien holder listed as the co-owner.  \n\nMy question is, would I be doing anything illegal to recover money that", "sort": "hot", "upvote_ratio": 0.6, "author": "GrouchyShoulder7307"}

selftext:
A long time ago (\~25 years) my car was damaged in a storm, and I received a check every 6 months from my insurance company that I did not cash because it was made out to me and the lien holder. I eventually paid the car off and requested the check from the insurance company, which I received and cashed. 

I did a search of unclaimed funds and it shows there are unclaimed funds with the lien holder listed as the co-owner.  

My question is, would I be doing anything illegal to recover money that


topic_name: Buying a car, but my APR seems like rlly bad
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r0o0vj/buying_a_car_but_my_apr_seems_like_rlly_bad/
collected_at: 2026-02-12T00:04:45.418384+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r0o0vj", "score": 175, "num_comments": 253, "created_utc": 1770689293.0, "selftext": "So before i talk abt this im active duty millitary, and possibly a little broke because i live in a high cost state.\n\nBasically in trying to buy a car and my APR wld be 18% for 72 months after getting an auto loan for $15,000 dollars. It would be less but i have no credit, and have never owned a credit card. Also im 19. Any thoughts if im getting jipped?\n\n\\-edit. So the general concensous is absolutely the hell not, ill just probably buy a beater. Thank you all for the help!\n\n(Also yes, ill be o", "sort": "top", "upvote_ratio": 0.74, "author": "Doctorfakenamee"}

selftext:
So before i talk abt this im active duty millitary, and possibly a little broke because i live in a high cost state.

Basically in trying to buy a car and my APR wld be 18% for 72 months after getting an auto loan for $15,000 dollars. It would be less but i have no credit, and have never owned a credit card. Also im 19. Any thoughts if im getting jipped?

\-edit. So the general concensous is absolutely the hell not, ill just probably buy a beater. Thank you all for the help!

(Also yes, ill be o


topic_name: Afraid of getting charged extra using my own financing
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzfhuo/afraid_of_getting_charged_extra_using_my_own/
collected_at: 2026-02-12T00:04:50.635931+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzfhuo", "score": 0, "num_comments": 26, "created_utc": 1770572863.0, "selftext": "Hi, I'm soon to purchase a car I love and I'm not financing through the dealer instead through a credit union of my own that does not directly work with them. I was looking at the website of the car on the dealership website again and noticed it saying \"All prices include a $1,000 finance incentive plus tax\" I'm afraid that they'll remove that discount that they added to car because I'm getting outside financing. I need a bill of sale/purchase agreement from them to take to the credit union so t", "sort": "hot", "upvote_ratio": 0.31, "author": "DiegoYo"}

selftext:
Hi, I'm soon to purchase a car I love and I'm not financing through the dealer instead through a credit union of my own that does not directly work with them. I was looking at the website of the car on the dealership website again and noticed it saying "All prices include a $1,000 finance incentive plus tax" I'm afraid that they'll remove that discount that they added to car because I'm getting outside financing. I need a bill of sale/purchase agreement from them to take to the credit union so t


topic_name: Will a down payment eliminate the need for a cosigner?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qmj5tn/will_a_down_payment_eliminate_the_need_for_a/
collected_at: 2026-02-12T00:04:53.860521+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qmj5tn", "score": 7, "num_comments": 34, "created_utc": 1769347827.0, "selftext": "Looking to buy a 2015 Audi S4 for $13,500. I\u2019m 22, out of school, working full time making 52k a year. I have been an independent person since 18, MechE grad now.  I own everything I have, this will be my first auto loan. I have low credit from inactivity but working to bring it back up. After speaking with the dealerships finance department they had said all I need is a cosigner. They agreed to do little to no down payment and start payments immediately. Today the dealership is closed so I ask ", "sort": "top", "upvote_ratio": 0.67, "author": "NewPiccolo2966"}

selftext:
Looking to buy a 2015 Audi S4 for $13,500. I’m 22, out of school, working full time making 52k a year. I have been an independent person since 18, MechE grad now.  I own everything I have, this will be my first auto loan. I have low credit from inactivity but working to bring it back up. After speaking with the dealerships finance department they had said all I need is a cosigner. They agreed to do little to no down payment and start payments immediately. Today the dealership is closed so I ask 


topic_name: Do I owe my city and neighbor a new plumbing line? If so, how do I fund it?
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457697+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r0tbyk/do_i_owe_my_city_and_neighbor_a_new_plumbing_line/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0tbyk", "score": 0, "num_comments": 3, "created_utc": 1770704744.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.5, "author": "Valentines_Guardian"}


topic_name: I think spending more on cheap luxuries has made me spend less on expensive ones
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489410+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qtsd07/i_think_spending_more_on_cheap_luxuries_has_made/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qtsd07", "score": 437, "num_comments": 32, "created_utc": 1770031098.0, "selftext": "I've been thinking about something lately and I hope this forum is the right place to share it:\n\nI distinguish between \"cheap\" vs \"expensive\" luxuries based on how many hours of use you get per dollar. I've noticed that over the years I gradually spend less and less on expensive treats like eating out. What's weird is that I didn't \\*TRY\\* to force myself to not go out. I just started spending more on luxuries that are actually very cheap \"per hour of use\", and I lost interest in going out to ea", "sort": "top", "upvote_ratio": 0.96, "author": "Mighty-Lobster"}

selftext:
I've been thinking about something lately and I hope this forum is the right place to share it:

I distinguish between "cheap" vs "expensive" luxuries based on how many hours of use you get per dollar. I've noticed that over the years I gradually spend less and less on expensive treats like eating out. What's weird is that I didn't \*TRY\* to force myself to not go out. I just started spending more on luxuries that are actually very cheap "per hour of use", and I lost interest in going out to ea


topic_name: [US]Bogus auto payments on Citi Visa card
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0iit6/usbogus_auto_payments_on_citi_visa_card/
collected_at: 2026-02-12T00:05:08.886903+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0iit6", "score": 4, "num_comments": 6, "created_utc": 1770675512.0, "selftext": "Hi folks, \n\nSo a funny thiing happened on the way to my Citi credit card statement. \n\nThere were a couple recurring payments that were old subs that I no longer use, so I called the CC company, and talked to a gentleman in India apparently who hardly understood me, nor I him.  He informed me that they could not remove the autopay: in fact the only way to do so would be to have a new card reissued.  So I opted for that (perhaps a mistake). \n\nHe could not get my new email down correctly so the con", "sort": "hot", "upvote_ratio": 0.83, "author": "AdCultural2868"}

selftext:
Hi folks, 

So a funny thiing happened on the way to my Citi credit card statement. 

There were a couple recurring payments that were old subs that I no longer use, so I called the CC company, and talked to a gentleman in India apparently who hardly understood me, nor I him.  He informed me that they could not remove the autopay: in fact the only way to do so would be to have a new card reissued.  So I opted for that (perhaps a mistake). 

He could not get my new email down correctly so the con


topic_name: [US] Really good PayPal phishing scam, beware!
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qpd7sj/us_really_good_paypal_phishing_scam_beware/
collected_at: 2026-02-12T00:05:12.359059+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qpd7sj", "score": 52, "num_comments": 11, "created_utc": 1769611402.0, "selftext": "I will start this by saying I am a very computer literate person, so this scam to me was absolutely wild.\n\nI woke up to find several emails from the official PayPal email regarding a new account opened with someone whose name was not mine. All the emails were from THE official PayPal service email to me. I called PayPal to report the suspicious activity in the morning when they opened, they told me it is absolutely impossible for someone to make a new account using my email. I went back to the e", "sort": "top", "upvote_ratio": 0.9, "author": "fure_elise"}

selftext:
I will start this by saying I am a very computer literate person, so this scam to me was absolutely wild.

I woke up to find several emails from the official PayPal email regarding a new account opened with someone whose name was not mine. All the emails were from THE official PayPal service email to me. I called PayPal to report the suspicious activity in the morning when they opened, they told me it is absolutely impossible for someone to make a new account using my email. I went back to the e


topic_name: Contains vitamins B3, B6, B12, and Zinc, except it doesn't contain those
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1oe6hd2/contains_vitamins_b3_b6_b12_and_zinc_except_it/
collected_at: 2026-02-12T00:05:17.889963+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1oe6hd2", "score": 9261, "num_comments": 230, "created_utc": 1761233670.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "ThatGuyDoesMemes"}


topic_name: A spice affair?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qt931v/a_spice_affair/
collected_at: 2026-02-12T00:05:26.020685+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qt931v", "score": 11, "num_comments": 11, "created_utc": 1769976219.0, "selftext": "Has anyone ever heard of a company called \"A spice affair\"? This woman I dealt with recently told me she goes to markets and peddles this product. I looked at their website and I am getting MLM vibes. ", "sort": "hot", "upvote_ratio": 0.83, "author": "Asleep_Ad7630"}

selftext:
Has anyone ever heard of a company called "A spice affair"? This woman I dealt with recently told me she goes to markets and peddles this product. I looked at their website and I am getting MLM vibes. 


topic_name: car in my name was stolen, close friend was insured driver.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1mgrf/car_in_my_name_was_stolen_close_friend_was/
collected_at: 2026-02-12T00:05:44.256856+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1mgrf", "score": 0, "num_comments": 9, "created_utc": 1770780772.0, "selftext": "Hey everyone, looking for insight from people who\u2019ve dealt with something similar or work in insurance.\n\nI\u2019m the legal owner and borrower on a vehicle that\u2019s financed in my name. A little over two years ago, I let a very close friend use the car full-time. At the time, he needed a vehicle but wasn\u2019t in a financial position to finance one himself. We agreed he would make the monthly payments and carry insurance in his own name while using the vehicle.\n\nFor record-keeping purposes, we filled out a", "sort": "hot", "upvote_ratio": 0.38, "author": "StupidCrapFace33"}

selftext:
Hey everyone, looking for insight from people who’ve dealt with something similar or work in insurance.

I’m the legal owner and borrower on a vehicle that’s financed in my name. A little over two years ago, I let a very close friend use the car full-time. At the time, he needed a vehicle but wasn’t in a financial position to finance one himself. We agreed he would make the monthly payments and carry insurance in his own name while using the vehicle.

For record-keeping purposes, we filled out a


topic_name: Auto insurance PA I hit a car but I'm getting off easy. What's the hitch?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qpiyi9/auto_insurance_pa_i_hit_a_car_but_im_getting_off/
collected_at: 2026-02-12T00:05:47.658545+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qpiyi9", "score": 6, "num_comments": 6, "created_utc": 1769623571.0, "selftext": "I was plowing snow in a driveway. I grazed the rear bumper cover of a 2025 Subaru Forester and snapped a piece off. I told the owner about it right away and that I'll make it right whatever I have to do. She was very cool about it. She later turned it into her insurance, told them it got hit by a snowplow. They're taking care of it but they didn't even ask her who did it. Will they ask her about that later? I've already told her if they do to please tell them. I figure they'd rather work with me", "sort": "top", "upvote_ratio": 1.0, "author": "Inhalationofnewtion"}

selftext:
I was plowing snow in a driveway. I grazed the rear bumper cover of a 2025 Subaru Forester and snapped a piece off. I told the owner about it right away and that I'll make it right whatever I have to do. She was very cool about it. She later turned it into her insurance, told them it got hit by a snowplow. They're taking care of it but they didn't even ask her who did it. Will they ask her about that later? I've already told her if they do to please tell them. I figure they'd rather work with me


source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366510+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
topic_name:
Dating app Happn having misleading "off" dials for consent, and having you consent to your data NOT being shared (so if you toggle this option off, the data gets shared!)

url:
https://reddit.com/r/darkpatterns/comments/1iymxkx/dating_app_happn_having_misleading_off_dials_for/

metadata:
{"subreddit": "darkpatterns", "post_id": "1iymxkx", "score": 90, "num_comments": 3, "created_utc": 1740574751.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "Kelvets"}


topic_name: At what point do you replace your old used vehicle?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qus3yg/at_what_point_do_you_replace_your_old_used_vehicle/
collected_at: 2026-02-12T00:06:01.657124+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qus3yg", "score": 9, "num_comments": 78, "created_utc": 1770125801.0, "selftext": "Hello everyone! I was speaking to someone about when its the right time to replace your car, as I was looking around for a newer used vehicle (2015-2016). I am 20M in North East US (not sure if that info is helpful). My current vehicle, a 2013 Nissan Altima is having issues. Transmission issues.\n\n It will cost anywhere from 7k&lt;Other mechanic to \n8.5k &lt;--Nissan Dealer to replace with remanufactured trans. I won't do rebuilt as I heard awful things. The remanufactured would come with a warra", "sort": "hot", "upvote_ratio": 0.63, "author": "boiler-operator"}

selftext:
Hello everyone! I was speaking to someone about when its the right time to replace your car, as I was looking around for a newer used vehicle (2015-2016). I am 20M in North East US (not sure if that info is helpful). My current vehicle, a 2013 Nissan Altima is having issues. Transmission issues.

 It will cost anywhere from 7k&lt;Other mechanic to 
8.5k &lt;--Nissan Dealer to replace with remanufactured trans. I won't do rebuilt as I heard awful things. The remanufactured would come with a warra


topic_name: Money habits are hard because they are invisible
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qeblws/money_habits_are_hard_because_they_are_invisible/
collected_at: 2026-02-12T00:06:05.044682+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qeblws", "score": 162, "num_comments": 50, "created_utc": 1768556023.0, "selftext": "Improving finances is frustrating because progress is slow and often invisible. You might save 100\u2013200 a month, pay off small debts, or invest modestly and for months it barely feels like anything changes. Unlike fitness or learning a skill, there\u2019s no visible daily payoff, so it's easy to lose motivation not from laziness, but because the effort feels unrewarded. Even consistent actions like saving 150 a month at 5\u20137% returns or cutting minor recurring expenses can feel meaningless when living ", "sort": "top", "upvote_ratio": 0.93, "author": "Either-Act-3406"}

selftext:
Improving finances is frustrating because progress is slow and often invisible. You might save 100–200 a month, pay off small debts, or invest modestly and for months it barely feels like anything changes. Unlike fitness or learning a skill, there’s no visible daily payoff, so it's easy to lose motivation not from laziness, but because the effort feels unrewarded. Even consistent actions like saving 150 a month at 5–7% returns or cutting minor recurring expenses can feel meaningless when living 


topic_name: Does my Statement Balance include what I already paid off?`
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1dnph/does_my_statement_balance_include_what_i_already/
collected_at: 2026-02-12T00:06:10.588081+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1dnph", "score": 4, "num_comments": 5, "created_utc": 1770758602.0, "selftext": "I have 5k in credit limit.\n\nI just made a 2k purchase.\n\nI have a 3k purchase coming up in the same month\n\nIf I COMPLETELY pay off the 2k, will i still reach my limit?\n\nI don't want credit companies to see I'm using ALL my limit, so can I just pay it all off immediately so it's not on my statement??", "sort": "hot", "upvote_ratio": 0.83, "author": "InspectorEven4143"}

selftext:
I have 5k in credit limit.

I just made a 2k purchase.

I have a 3k purchase coming up in the same month

If I COMPLETELY pay off the 2k, will i still reach my limit?

I don't want credit companies to see I'm using ALL my limit, so can I just pay it all off immediately so it's not on my statement??


topic_name: BILT palladium &gt; ventureX+savor
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qdaoyq/bilt_palladium_venturexsavor/
collected_at: 2026-02-12T00:06:13.782275+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qdaoyq", "score": 55, "num_comments": 72, "created_utc": 1768453870.0, "selftext": "This will not be a popular opinion. but, if we cut our losses with 1X rent with the ability to put spend on other cards to maximize, we can \\*still come out ahead of other setups\\* by solely using the BILT palladium. \n\n  \nfor all spend &lt;75% of your rent/mortgage, the return in points is 3.33x using BILT palladium. these are Hyatt and Alaska points, people! this is obviously greater than 2x and 3x from the C1 duo. \n\nin my opinion, we are way over complicating the math. Just take the extra poin", "sort": "top", "upvote_ratio": 0.69, "author": "Aggravating_Map3982"}

selftext:
This will not be a popular opinion. but, if we cut our losses with 1X rent with the ability to put spend on other cards to maximize, we can \*still come out ahead of other setups\* by solely using the BILT palladium. 

  
for all spend &lt;75% of your rent/mortgage, the return in points is 3.33x using BILT palladium. these are Hyatt and Alaska points, people! this is obviously greater than 2x and 3x from the C1 duo. 

in my opinion, we are way over complicating the math. Just take the extra poin


topic_name: Plea Absentia Ga - probation in La
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2780p/plea_absentia_ga_probation_in_la/
collected_at: 2026-02-12T00:06:18.921074+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2780p", "score": 1, "num_comments": 4, "created_utc": 1770838596.0, "selftext": "I got a DUI in 2024, first offense. Finally got a court date last year however I moved to La for a job. I have an attorney and he recommended a plea of absentia so I would not have to drive back and forth for court or probation. However, now I\u2019m being told that I would have to get an ankle monitor, do 40 hours community service, suspend my drivers license for 140 days, AA, be on probation for a year, pay a fine, and take a dui class. My probation officer assigned is in GA.. again I work in La.. ", "sort": "hot", "upvote_ratio": 1.0, "author": "Longjumping-Code4863"}

selftext:
I got a DUI in 2024, first offense. Finally got a court date last year however I moved to La for a job. I have an attorney and he recommended a plea of absentia so I would not have to drive back and forth for court or probation. However, now I’m being told that I would have to get an ankle monitor, do 40 hours community service, suspend my drivers license for 140 days, AA, be on probation for a year, pay a fine, and take a dui class. My probation officer assigned is in GA.. again I work in La.. 


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qssb9h/sublease_tenant_claimed_in_court_hes_just_my/
collected_at: 2026-02-12T00:06:22.356737+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Sub-lease tenant claimed in court he’s “just my neighbor,” got restraining order, contacted my lender — need advice (CA)

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qssb9h", "score": 464, "num_comments": 41, "created_utc": 1769932303.0, "selftext": "My location: San Diego California\n\nI\u2019m in California and need advice on a housing dispute that escalated into court.\n\nI am the homeowner and master tenant. I sub-leased a room in my home to someone who has lived here for about 8 years. There is no dispute that he paid rent to me over the years, though often late and with many months missed entirely. He frequently ignored my calls and messages when rent or house issues came up.\n\nKey issues:\n\n\u2022\tChronic late and missed rent payments over the years.", "sort": "top", "upvote_ratio": 0.94, "author": "Fragrant_Weather1174"}

selftext:
My location: San Diego California

I’m in California and need advice on a housing dispute that escalated into court.

I am the homeowner and master tenant. I sub-leased a room in my home to someone who has lived here for about 8 years. There is no dispute that he paid rent to me over the years, though often late and with many months missed entirely. He frequently ignored my calls and messages when rent or house issues came up.

Key issues:

•	Chronic late and missed rent payments over the years.


source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286250+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If you do a lot of Googling on your phone, add a keyboard shortcut to your phone’s Autocorrect to automatically remove AI results.

url:
https://reddit.com/r/LifeProTips/comments/1qn0tk7/lpt_if_you_do_a_lot_of_googling_on_your_phone_add/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qn0tk7", "score": 1271, "num_comments": 67, "created_utc": 1769387754.0, "selftext": "If you\u2019re like me and you despise pesky AI overviews and you find yourself doing a lot of internet searches on your mobile device, it can become tedious to toggle through different keyboard menus to add \u201c-ai\u201d for all of your searches (particularly that minus/hyphen). Adding a keyboard shortcut to my phone\u2019s Autocorrect/Dictionary that turns a string of letters automatically into the phrase \u201c-ai\u201d has saved me so much grief over the past few months. \n\nI chose \u201cvvv\u201d as my shortcut. Easily accessed ", "sort": "hot", "upvote_ratio": 0.94, "author": "WWMelons"}

selftext:
If you’re like me and you despise pesky AI overviews and you find yourself doing a lot of internet searches on your mobile device, it can become tedious to toggle through different keyboard menus to add “-ai” for all of your searches (particularly that minus/hyphen). Adding a keyboard shortcut to my phone’s Autocorrect/Dictionary that turns a string of letters automatically into the phrase “-ai” has saved me so much grief over the past few months. 

I chose “vvv” as my shortcut. Easily accessed 


topic_name: Quality Plain White T-Shirts
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qze521/quality_plain_white_tshirts/
collected_at: 2026-02-12T00:06:36.789869+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qze521", "score": 56, "num_comments": 76, "created_utc": 1770569858.0, "selftext": "I bought some Hanes plain white T-Shirts / Undershirts and they work well as an undershirt or to sleep in, but they wrinkle and mis-shape easy. I\u2019m looking for something a little heavier than them, but not a heavy weight shirt that will last and hold form. What do you guys recommend?", "sort": "hot", "upvote_ratio": 0.9, "author": "BigAndFast"}

selftext:
I bought some Hanes plain white T-Shirts / Undershirts and they work well as an undershirt or to sleep in, but they wrinkle and mis-shape easy. I’m looking for something a little heavier than them, but not a heavy weight shirt that will last and hold form. What do you guys recommend?


topic_name: Performance Mouse MX 2009-2026
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qbmkt3/performance_mouse_mx_20092026/
collected_at: 2026-02-12T00:06:40.492522+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qbmkt3", "score": 253, "num_comments": 52, "created_utc": 1768295009.0, "selftext": "Logitech Performance Mouse MX (2009\u20132026)\n\nToday we mourn the loss of a true desk companion.\nAfter 17 years of tireless service, countless clicks, endless scrolling, and quiet endurance of questionable working conditions, the Logitech Performance Mouse MX has finally moved its cursor for the last time.\n\nBorn in 2009, in an era when USB ports were plentiful and ball mice were already extinct, she began her duty with precision, ergonomic elegance, and unwavering reliability. She knew every spreads", "sort": "top", "upvote_ratio": 0.94, "author": "OrderNO2020"}

selftext:
Logitech Performance Mouse MX (2009–2026)

Today we mourn the loss of a true desk companion.
After 17 years of tireless service, countless clicks, endless scrolling, and quiet endurance of questionable working conditions, the Logitech Performance Mouse MX has finally moved its cursor for the last time.

Born in 2009, in an era when USB ports were plentiful and ball mice were already extinct, she began her duty with precision, ergonomic elegance, and unwavering reliability. She knew every spreads


topic_name: difference between general relativity and quantum mechanics
source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:18.953933+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
metadata:
{"original_headline": "Discovery of a possible pulsar in the Milky Way's center could enable unprecedented tests of General Relativity - Phys.org", "original_source": "google_news", "llm_generated": false, "query_source": "youtube_suggest", "validated_from": "What is General Relativity and how does it apply to pulsars?"}


topic_name: The Strangest Olympic Cheating Scandal
source: youtube
region: US
url: https://youtube.com/watch?v=9hOepnlnjzw
collected_at: 2026-02-12T00:04:30.766210
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "9hOepnlnjzw", "channel": "TheFeedski", "category": "Sports", "category_id": 17, "views": "3043870", "view_count": 3043870, "likes": "122866", "published_at": "2026-02-06T18:05:17Z"}


topic_name: Open government 457 and/or Roth IRA?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r21a62/open_government_457_andor_roth_ira/
collected_at: 2026-02-12T00:04:41.815118+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r21a62", "score": 1, "num_comments": 16, "created_utc": 1770825762.0, "selftext": "Hi, I am looking at opening a retirement account this year and trying to understand what my best option is. I'm 29, single, no dependents, and work part-time for a government employer that does not offer a 401k or matching contributions or anything to part-time employees (though our union is trying to negotiate that this year) but does currently offer a 457 plan either on a pre- or post-tax basis, again no matching.\n\n  \nI recently hit my initial goal for my emergency fund (3 months of expenses) ", "sort": "hot", "upvote_ratio": 1.0, "author": "2-DBraille"}

selftext:
Hi, I am looking at opening a retirement account this year and trying to understand what my best option is. I'm 29, single, no dependents, and work part-time for a government employer that does not offer a 401k or matching contributions or anything to part-time employees (though our union is trying to negotiate that this year) but does currently offer a 457 plan either on a pre- or post-tax basis, again no matching.

  
I recently hit my initial goal for my emergency fund (3 months of expenses) 


topic_name: 32, stuck at $22/hr, maxed out credit cards and behind on rent — how do I rebuild?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qugeaq/32_stuck_at_22hr_maxed_out_credit_cards_and/
collected_at: 2026-02-12T00:04:45.418387+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qugeaq", "score": 173, "num_comments": 38, "created_utc": 1770087617.0, "selftext": "I\u2019m 32, move to United States when I was 19. I was always working hard, always had a job, unfortunately I never got a degree in my home country, and never had a chance to go to study here, so I never made more than I make now ($22 per hour). I was unemployed for month and a half, since I lost my job, and I just started training at the new place.\n\nDue to hardship and economical conditions in last 6 months (I\u2019ve been between jobs, left 1 due to hostile environment. Got let go from another one beca", "sort": "top", "upvote_ratio": 0.88, "author": "vaniababiy"}

selftext:
I’m 32, move to United States when I was 19. I was always working hard, always had a job, unfortunately I never got a degree in my home country, and never had a chance to go to study here, so I never made more than I make now ($22 per hour). I was unemployed for month and a half, since I lost my job, and I just started training at the new place.

Due to hardship and economical conditions in last 6 months (I’ve been between jobs, left 1 due to hostile environment. Got let go from another one beca


topic_name: Why did the dealer just mark the car i was coming to see as ‘Sold’?
source: reddit
region: global
collected_at: 2026-02-12T00:04:50.635935+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1qzbly5/why_did_the_dealer_just_mark_the_car_i_was_coming/

metadata:
{"subreddit": "askcarsales", "post_id": "1qzbly5", "score": 0, "num_comments": 17, "created_utc": 1770564071.0, "selftext": "Hi so this is my first time buying a car from a dealership as my first car i got on Craigslist (RIP Riahnnon she finally bit the dust after 7 years). I found a used 1999 Toyota Tacoma at a dealership, contacted the dealership, set up an appointment for this Tuesday to come look at the car and got my financing in order. Just this morning though i got a message from the car site i found it on that the Tacoma had just been sold! The dealer hadn\u2019t said anyone else was looking at it, did i just lose ", "sort": "hot", "upvote_ratio": 0.25, "author": "Micoylf"}

selftext:
Hi so this is my first time buying a car from a dealership as my first car i got on Craigslist (RIP Riahnnon she finally bit the dust after 7 years). I found a used 1999 Toyota Tacoma at a dealership, contacted the dealership, set up an appointment for this Tuesday to come look at the car and got my financing in order. Just this morning though i got a message from the car site i found it on that the Tacoma had just been sold! The dealer hadn’t said anyone else was looking at it, did i just lose 


topic_name: Car Gurus "Good Deal" rating
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qjzobg/car_gurus_good_deal_rating/
collected_at: 2026-02-12T00:04:53.860525+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qjzobg", "score": 7, "num_comments": 12, "created_utc": 1769100513.0, "selftext": "How accurate is Car Gurus info on used cars for sale?\n\nI'm interested in a 2024 Corolla Cross AWD SE, approximately 18,000 mileage, with an approximate price of $27,500. If Car Gurus is correct, this was originally priced at almost $30,000 with a recent price reduction of $1,000, and the current price is supposedly $1,200 below market value.\n\nI realize there is a waiting list for new ones and dealers aren't offering discounts but I'd appreciate any insight into whether there might be room for ne", "sort": "top", "upvote_ratio": 0.89, "author": "ConsumerProtectionQs"}

selftext:
How accurate is Car Gurus info on used cars for sale?

I'm interested in a 2024 Corolla Cross AWD SE, approximately 18,000 mileage, with an approximate price of $27,500. If Car Gurus is correct, this was originally priced at almost $30,000 with a recent price reduction of $1,000, and the current price is supposedly $1,200 below market value.

I realize there is a waiting list for new ones and dealers aren't offering discounts but I'd appreciate any insight into whether there might be room for ne


topic_name: $2,000 in overdraft fees in one year
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qznopr/2000_in_overdraft_fees_in_one_year/
collected_at: 2026-02-12T00:04:59.457703+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qznopr", "score": 297, "num_comments": 172, "created_utc": 1770591576.0, "selftext": "I am so tired. Since Jan 2025 I have paid over 2,000 in overdraft fees. No options with my bank other than permanently closing the account. \n\nThe cycle just never stops. I feel trapped. I can barely get my account to date due to overdraft fees. Last month I had $200 left in profit but $180 in overdraft fees. It left me with $20, which didn't cover a credit card charge, causing me to get another overdraft fee. MAKE IT STOP. \n\nI understand customers should be held accountable for this, but $2,000 ", "sort": "hot", "upvote_ratio": 0.88, "author": "danys_dragon"}

selftext:
I am so tired. Since Jan 2025 I have paid over 2,000 in overdraft fees. No options with my bank other than permanently closing the account. 

The cycle just never stops. I feel trapped. I can barely get my account to date due to overdraft fees. Last month I had $200 left in profit but $180 in overdraft fees. It left me with $20, which didn't cover a credit card charge, causing me to get another overdraft fee. MAKE IT STOP. 

I understand customers should be held accountable for this, but $2,000 


topic_name: Food pantry haul today
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qbhlf1/food_pantry_haul_today/
collected_at: 2026-02-12T00:05:03.489414+00:00
autocomplete: []
selftext: We are allowed to go once a month and this is for 5 people.
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qbhlf1", "score": 433, "num_comments": 27, "created_utc": 1768277871.0, "selftext": "We are allowed to go once a month and this is for 5 people. ", "sort": "top", "upvote_ratio": 0.99, "author": "Fluffy-Car-3872"}


topic_name: After the Scam: benefits drawbacks of reporting the scam - and to whom?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0lizi/after_the_scam_benefits_drawbacks_of_reporting/
collected_at: 2026-02-12T00:05:08.886906+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0lizi", "score": 2, "num_comments": 7, "created_utc": 1770682728.0, "selftext": "Writing for a friend who was a victim of pig butchering via a Dating app. Should they report it to police or fbi and to the dating app? They thought they were investing in crypto, are the losses tax deductible? ", "sort": "hot", "upvote_ratio": 0.63, "author": "Sufficient-Spray-367"}

selftext:
Writing for a friend who was a victim of pig butchering via a Dating app. Should they report it to police or fbi and to the dating app? They thought they were investing in crypto, are the losses tax deductible? 


topic_name: Am I being romanced scammed
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qd5a0p/am_i_being_romanced_scammed/
collected_at: 2026-02-12T00:05:12.359064+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qd5a0p", "score": 50, "num_comments": 90, "created_utc": 1768438838.0, "selftext": "I started chatting with a (woman) on X a few months back and after about a month she asked to move to telegram. So we did. Then I noticed the number she used was in California not Tennessee Luke she said. I asked about it she said it was because of her work laptop .    Anyways it\u2019s been 3-1/2 months of back and forth about most things then the request for a gift card to help out with her med script.   I did not send one.  Well it\u2019s been another month of us chatting every day. Now she sent me a d", "sort": "top", "upvote_ratio": 0.8, "author": "383man"}

selftext:
I started chatting with a (woman) on X a few months back and after about a month she asked to move to telegram. So we did. Then I noticed the number she used was in California not Tennessee Luke she said. I asked about it she said it was because of her work laptop .    Anyways it’s been 3-1/2 months of back and forth about most things then the request for a gift card to help out with her med script.   I did not send one.  Well it’s been another month of us chatting every day. Now she sent me a d


topic_name: Volkswagen is showing you now pop-up Ads of a grocery store while covering up the car navigation
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1oee2iz/volkswagen_is_showing_you_now_popup_ads_of_a/
collected_at: 2026-02-12T00:05:17.889967+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1oee2iz", "score": 2318, "num_comments": 66, "created_utc": 1761250927.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "Cuzzake"}


topic_name: It's month end, so cue the desperate huns.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qseoxi/its_month_end_so_cue_the_desperate_huns/
collected_at: 2026-02-12T00:05:26.020688+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qseoxi", "score": 200, "num_comments": 50, "created_utc": 1769894548.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "Willing_Chemical1257"}


topic_name: Insurance billing questions?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1d4jd/insurance_billing_questions/
collected_at: 2026-02-12T00:05:44.256859+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1d4jd", "score": 1, "num_comments": 0, "created_utc": 1770757428.0, "selftext": "I have a group private practice and have worked with 7+ (PT, OT and ST) practices so I have seen a range of billing issues. I\u2019m curious what kind of billing issues other rehab therapy practices are running into? ", "sort": "hot", "upvote_ratio": 1.0, "author": "ras1216"}

selftext:
I have a group private practice and have worked with 7+ (PT, OT and ST) practices so I have seen a range of billing issues. I’m curious what kind of billing issues other rehab therapy practices are running into? 


topic_name: Rental car diminished value charge
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qow54d/rental_car_diminished_value_charge/
collected_at: 2026-02-12T00:05:47.658548+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qow54d", "score": 7, "num_comments": 10, "created_utc": 1769560746.0, "selftext": "My rental car (2024 Ford) slipped on icy road and hit a road sign in Alaska. The damage was \\~11k and my credit card\u2019s rental car insurance covered it, in addition to admin fee and loss of use (I\u2019m very grateful for this!). \n\nHowever, the rental car company also charges diminishment of value of \\~$1100, which the credit card benefit guide states they won\u2019t cover. The terms and conditions from rental car company does say that they charge diminishment of value equal to 10% of the repair estimate\u2026 ", "sort": "top", "upvote_ratio": 1.0, "author": "BrokeMisophobia"}

selftext:
My rental car (2024 Ford) slipped on icy road and hit a road sign in Alaska. The damage was \~11k and my credit card’s rental car insurance covered it, in addition to admin fee and loss of use (I’m very grateful for this!). 

However, the rental car company also charges diminishment of value of \~$1100, which the credit card benefit guide states they won’t cover. The terms and conditions from rental car company does say that they charge diminishment of value equal to 10% of the repair estimate… 


topic_name: OKCupid using negative negative for newsletter signup
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1iyr72y/okcupid_using_negative_negative_for_newsletter/
collected_at: 2026-02-12T00:05:53.366517+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1iyr72y", "score": 12, "num_comments": 0, "created_utc": 1740586498.0, "selftext": "https://preview.redd.it/8j8wvkc2dile1.png?width=1108&amp;format=png&amp;auto=webp&amp;s=13f6322d32ad6a50ea5d0dfeb7671f10ea73ef0e\n\n", "sort": "hot", "upvote_ratio": 1.0, "author": "bazzazx"}

selftext:
https://preview.redd.it/8j8wvkc2dile1.png?width=1108&amp;format=png&amp;auto=webp&amp;s=13f6322d32ad6a50ea5d0dfeb7671f10ea73ef0e


topic_name: I realized I’m not actually cheap, I’m just scared of undoing progress
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qu1qz7/i_realized_im_not_actually_cheap_im_just_scared/
collected_at: 2026-02-12T00:06:01.657127+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qu1qz7", "score": 317, "num_comments": 22, "created_utc": 1770053885.0, "selftext": "This might sound dumb but it finally clicked for me this week.\n\nI\u2019ve been pretty intentional about money for a while now. I track things, I don\u2019t impulse buy much, and I\u2019ve slowly built up some savings from myprize. Not life changing money, but enough that it took real effort and consistency. I\u2019m proud of that part.\n\nWhat I didn\u2019t notice until recently is how tense I\u2019ve become around spending anything at all.\n\nThe moment was stupidly small. I was out running errands and needed to replace somethi", "sort": "hot", "upvote_ratio": 0.98, "author": "UselessWatchdog"}

selftext:
This might sound dumb but it finally clicked for me this week.

I’ve been pretty intentional about money for a while now. I track things, I don’t impulse buy much, and I’ve slowly built up some savings from myprize. Not life changing money, but enough that it took real effort and consistency. I’m proud of that part.

What I didn’t notice until recently is how tense I’ve become around spending anything at all.

The moment was stupidly small. I was out running errands and needed to replace somethi


topic_name: Walmart showing as grocery store for Disney Visa
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r12des/walmart_showing_as_grocery_store_for_disney_visa/
collected_at: 2026-02-12T00:06:10.588085+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r12des", "score": 12, "num_comments": 5, "created_utc": 1770734108.0, "selftext": "We just upgraded to the Disney Inspire (niche card but works for wife).   We are getting 2% back on Walmart.  \n\nAt premiere level we were not.  Also with. Amex blue we did not get bonus \n\nSo right now data point showing it coding as groceries \n\nTake that with what you will just share info", "sort": "hot", "upvote_ratio": 0.94, "author": "quaggankicker"}

selftext:
We just upgraded to the Disney Inspire (niche card but works for wife).   We are getting 2% back on Walmart.  

At premiere level we were not.  Also with. Amex blue we did not get bonus 

So right now data point showing it coding as groceries 

Take that with what you will just share info


topic_name: what to do
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r277zu/what_to_do/
collected_at: 2026-02-12T00:06:18.921077+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r277zu", "score": 0, "num_comments": 2, "created_utc": 1770838595.0, "selftext": "san antonio texas\n\ni have just gone to court today and they are looking to give me pre trial diversion i am on bond right now and i have been clean from marijuana since mid december last year and was thinking if i smoke today february 11th i should be clean until march 30th my next court date to see wether they decide if i get the pre trial diversion and was wondering what should i do should i stay clean or smoke today\n\nLocation: San Antonio Texas.", "sort": "hot", "upvote_ratio": 0.5, "author": "dabeast478"}

selftext:
san antonio texas

i have just gone to court today and they are looking to give me pre trial diversion i am on bond right now and i have been clean from marijuana since mid december last year and was thinking if i smoke today february 11th i should be clean until march 30th my next court date to see wether they decide if i get the pre trial diversion and was wondering what should i do should i stay clean or smoke today

Location: San Antonio Texas.


topic_name: Help! Someone else’s DUI has been applied to my License/Record!
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qqxprw/help_someone_elses_dui_has_been_applied_to_my/
collected_at: 2026-02-12T00:06:22.356741+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qqxprw", "score": 458, "num_comments": 51, "created_utc": 1769754071.0, "selftext": "Location: Northern California\n\nNames will be changed for obvious reasons.\n\nMy name is \u201cAmanda B\u201d. In 2020, I received a letter in the mail stating that I was being charged for a bunch of unpaid tickets. I don\u2019t have any unpaid tickets. Turns out there is another \u201cAmanda B\u201d in Southern California that shares my name and birth year. Apparently, the criminal justice system or whatever mistakenly applied her crimes to my name and record. I got a hold of the ticket, contacted the authorities and coun", "sort": "top", "upvote_ratio": 0.95, "author": "frosphate"}

selftext:
Location: Northern California

Names will be changed for obvious reasons.

My name is “Amanda B”. In 2020, I received a letter in the mail stating that I was being charged for a bunch of unpaid tickets. I don’t have any unpaid tickets. Turns out there is another “Amanda B” in Southern California that shares my name and birth year. Apparently, the criminal justice system or whatever mistakenly applied her crimes to my name and record. I got a hold of the ticket, contacted the authorities and coun


topic_name: LPT: 5 Things I Always Keep in My Car
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qmtl4s/lpt_5_things_i_always_keep_in_my_car/
collected_at: 2026-02-12T00:06:28.286254+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qmtl4s", "score": 2800, "num_comments": 363, "created_utc": 1769371154.0, "selftext": "Here are 5 things I always keep in my car that have come in handy more than once:\n\n1. A towel.  I live where it frequently rains unexpectedly.  It's great to be able to dry off once you jump in the car.  Not to mention all the times I've spilled my drink on the console or myself.  Having a small, clean towel tucked in a cubby in the front seat can be a godsend.\n2. A small cooler.  I use this to keep takeaway hot on the drive home or to keep cold/frozen items cold after a shopping trip.\n3. An env", "sort": "hot", "upvote_ratio": 0.94, "author": "theeWildOlive"}

selftext:
Here are 5 things I always keep in my car that have come in handy more than once:

1. A towel.  I live where it frequently rains unexpectedly.  It's great to be able to dry off once you jump in the car.  Not to mention all the times I've spilled my drink on the console or myself.  Having a small, clean towel tucked in a cubby in the front seat can be a godsend.
2. A small cooler.  I use this to keep takeaway hot on the drive home or to keep cold/frozen items cold after a shopping trip.
3. An env


topic_name: LPT Request: How to get over losing a job you loved
source: reddit
region: global
collected_at: 2026-02-12T00:06:31.302230+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qlcfov/lpt_request_how_to_get_over_losing_a_job_you_loved/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qlcfov", "score": 635, "num_comments": 141, "created_utc": 1769226526.0, "selftext": "So, I got fired from a job I LOVED in less than six months. There was some managerial ineptitude involved, but my communication style was a concern too.\n\nMy question is, how do you move on when something you cared a lot about is taken away suddenly? I had no warning at all. As corny as it sounds, it feels a lot like dating someone I thought I'd marry and then having them break up. \n\nI'm struggling with letting it go, wishing I could change X or Y, and daydreaming about being able to go back in t", "sort": "top", "upvote_ratio": 0.94, "author": "Aryana314"}

selftext:
So, I got fired from a job I LOVED in less than six months. There was some managerial ineptitude involved, but my communication style was a concern too.

My question is, how do you move on when something you cared a lot about is taken away suddenly? I had no warning at all. As corny as it sounds, it feels a lot like dating someone I thought I'd marry and then having them break up. 

I'm struggling with letting it go, wishing I could change X or Y, and daydreaming about being able to go back in t


topic_name: Are these shoes good quality?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0jsrq/are_these_shoes_good_quality/
collected_at: 2026-02-12T00:06:36.789873+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0jsrq", "score": 0, "num_comments": 29, "created_utc": 1770678441.0, "selftext": "I found these Rockport shoes at winners. They were reduced in price to $36 Canadian, so I assume they're a good deal for the price. But I wanted to know, what kind of life could I expect to get out of these? As far as I can tell it looks like they're stitched to the sole. Are these good quality? ", "sort": "hot", "upvote_ratio": 0.39, "author": "Gell_Greenbranch"}

selftext:
I found these Rockport shoes at winners. They were reduced in price to $36 Canadian, so I assume they're a good deal for the price. But I wanted to know, what kind of life could I expect to get out of these? As far as I can tell it looks like they're stitched to the sole. Are these good quality? 


topic_name: Clark's sneakers refuse to die.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qlyxv6/clarks_sneakers_refuse_to_die/
collected_at: 2026-02-12T00:06:40.492529+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qlyxv6", "score": 240, "num_comments": 105, "created_utc": 1769288845.0, "selftext": "These shoes refuse to die. I don't know anything about this shoe. I assume at this point that the welt is genuine. I got them at a thrift store for a few dollars a few years ago. Been wearing them daily and really abusing them ever since. Long days on my feet on hard floors working in health care, yard work, salty slush, etc. Never treated them with anything. Wiped them off a couple of times.\n\nAny advice for how to make the leather look a little less gross?\n\nEdit: bottom line, the uppers are sti", "sort": "top", "upvote_ratio": 0.81, "author": "polamity"}

selftext:
These shoes refuse to die. I don't know anything about this shoe. I assume at this point that the welt is genuine. I got them at a thrift store for a few dollars a few years ago. Been wearing them daily and really abusing them ever since. Long days on my feet on hard floors working in health care, yard work, salty slush, etc. Never treated them with anything. Wiped them off a couple of times.

Any advice for how to make the leather look a little less gross?

Edit: bottom line, the uppers are sti


topic_name: 72(t) Fixed Amortization Calculation Check
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000229+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qdopds/72t_fixed_amortization_calculation_check/

metadata:
{"subreddit": "financialindependence", "post_id": "1qdopds", "score": 9, "num_comments": 20, "created_utc": 1768495699.0, "selftext": "Hey everyone, setting up a 72(t) SEPP (Substantially Equal Periodic Payments) using the fixed amortization method and want to double-check the math with the community. Current IRS rules (post-2022 tables + Notice 2022-6) allow up to 5% interest rate.Inputs:\n\n* **Account balance: $847,000 in IRA** (as of the valuation date when payments start)\n* **Age: 45** \u2192 Single Life Expectancy Table factor: **41.0 years** (confirmed from current IRS Pub 590-B / Table I)\n* **Interest rate: 5%** (safe harbor m", "sort": "hot", "upvote_ratio": 0.65, "author": "Efficient_Round_1122"}

selftext:
Hey everyone, setting up a 72(t) SEPP (Substantially Equal Periodic Payments) using the fixed amortization method and want to double-check the math with the community. Current IRS rules (post-2022 tables + Notice 2022-6) allow up to 5% interest rate.Inputs:

* **Account balance: $847,000 in IRA** (as of the valuation date when payments start)
* **Age: 45** → Single Life Expectancy Table factor: **41.0 years** (confirmed from current IRS Pub 590-B / Table I)
* **Interest rate: 5%** (safe harbor m


topic_name: When Honor Is First Of All 😍❤...@WorldArcheryTV
source: youtube
region: US
url: https://youtube.com/watch?v=vM9miEvw2PY
collected_at: 2026-02-12T00:04:30.766298
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "vM9miEvw2PY", "channel": "Lily's Diary", "category": "Sports", "category_id": 17, "views": "2969327", "view_count": 2969327, "likes": "126288", "published_at": "2026-02-07T22:25:22Z"}


topic_name: First time enrolling in a 401k and I need some help.
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815123+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r216of/first_time_enrolling_in_a_401k_and_i_need_some/

metadata:
{"subreddit": "personalfinance", "post_id": "1r216of", "score": 1, "num_comments": 6, "created_utc": 1770825562.0, "selftext": "Hi everyone, I recently started a new job and this is the first time I\u2019ve been offered a 401k so I\u2019m not sure what options to choose. I\u2019m 22 and make a little less than $30k but will hopefully move up within 6 months. \n\nMy company matches 0-4% every year depending on the company\u2019s performance so my aunt recommended I do 4% and my mom is recommending 10%. So I\u2019m not sure how much I should contribute. Next, I have the option for pre-tax and/or Roth 401k. It\u2019s letting me choose how much goes into e", "sort": "hot", "upvote_ratio": 1.0, "author": "Sophiaj232"}

selftext:
Hi everyone, I recently started a new job and this is the first time I’ve been offered a 401k so I’m not sure what options to choose. I’m 22 and make a little less than $30k but will hopefully move up within 6 months. 

My company matches 0-4% every year depending on the company’s performance so my aunt recommended I do 4% and my mom is recommending 10%. So I’m not sure how much I should contribute. Next, I have the option for pre-tax and/or Roth 401k. It’s letting me choose how much goes into e


topic_name: Am I putting too much in retirement and savings?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418391+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qxop5a/am_i_putting_too_much_in_retirement_and_savings/

metadata:
{"subreddit": "personalfinance", "post_id": "1qxop5a", "score": 173, "num_comments": 88, "created_utc": 1770400459.0, "selftext": "Ideally, you should be saving as much as you can. I feel as if though, I\u2019m putting too much in savings and stretching myself thin. I have to do constant mental math calculations to make sure I don\u2019t run out of money.\n\nSalary - $94,500\n\nI put 20% of my paycheck in 401k.\n\nGross Paycheck: $3,938\n\nNet Paycheck: $2,172\n\nI also increased my withholding to 15%.\n\nI\u2019m putting $788 per paycheck in my traditional 401k. Which is $1,576 a month.\n\nI\u2019m also putting $750 a month in a brokerage, $250 in Roth.\n\nI", "sort": "top", "upvote_ratio": 0.86, "author": "boss_man14"}

selftext:
Ideally, you should be saving as much as you can. I feel as if though, I’m putting too much in savings and stretching myself thin. I have to do constant mental math calculations to make sure I don’t run out of money.

Salary - $94,500

I put 20% of my paycheck in 401k.

Gross Paycheck: $3,938

Net Paycheck: $2,172

I also increased my withholding to 15%.

I’m putting $788 per paycheck in my traditional 401k. Which is $1,576 a month.

I’m also putting $750 a month in a brokerage, $250 in Roth.

I


topic_name: Used 2012 Ford Focus Jumped Title
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qyzl45/used_2012_ford_focus_jumped_title/
collected_at: 2026-02-12T00:04:50.635939+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qyzl45", "score": 1, "num_comments": 3, "created_utc": 1770525641.0, "selftext": "Hello, I'm in CA and I just bought my first car from a private party.\n\nI paid $500 for a 2012 Ford Focus in Visalia California, unfortunately I think the person title jumped because they did not register the vehicle in their name and they never signed the title. I saw a signature on the title but it was from 12/28/25 and I bought the vehicle yesterday 2/6/26. What do I do from here? Its tags expired literally four days ago on 2/2/26 so I need to renew the registration and transfer the title into", "sort": "hot", "upvote_ratio": 1.0, "author": "Secure_Formal_441"}

selftext:
Hello, I'm in CA and I just bought my first car from a private party.

I paid $500 for a 2012 Ford Focus in Visalia California, unfortunately I think the person title jumped because they did not register the vehicle in their name and they never signed the title. I saw a signature on the title but it was from 12/28/25 and I bought the vehicle yesterday 2/6/26. What do I do from here? Its tags expired literally four days ago on 2/2/26 so I need to renew the registration and transfer the title into


topic_name: Car downpayment
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qbmy3l/car_downpayment/
collected_at: 2026-02-12T00:04:53.860530+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qbmy3l", "score": 7, "num_comments": 9, "created_utc": 1768296428.0, "selftext": "Hey guys..Long story short. I financed honda crv touring about 2 years ago in 2023 November and put down a down payment of 5k in total ( 1k to reserve the vehicle then 4k to close the desl)\n\nRecently i logged into my online account for honda finance and was looking through my payment history and found out that the the initial down payment was listed as 1779.50$ on their website? I was shocked.. and quickly called honda finance canada to confirm if this was true. They said according to their file", "sort": "top", "upvote_ratio": 0.82, "author": "Remote-Back801"}

selftext:
Hey guys..Long story short. I financed honda crv touring about 2 years ago in 2023 November and put down a down payment of 5k in total ( 1k to reserve the vehicle then 4k to close the desl)

Recently i logged into my online account for honda finance and was looking through my payment history and found out that the the initial down payment was listed as 1779.50$ on their website? I was shocked.. and quickly called honda finance canada to confirm if this was true. They said according to their file


topic_name: I’m selfish and I don’t want my sister living with me
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457708+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r16d7s/im_selfish_and_i_dont_want_my_sister_living_with/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r16d7s", "score": 0, "num_comments": 73, "created_utc": 1770742924.0, "selftext": "TLDR: I just got an apartment, my sister wants to move in with her baby. She complicates things with her lifestyle, financial situation/choices and our history together. And I rant about it\n\nHi! 20F here! And recently I\u2019ve gotten an apartment. I\u2019m so very proud of this after facing a year of homelessness (living in a dorm with my cat). I had tried working jobs but that didn\u2019t work out due to instability with my mental health condition primary being Schizoaffective Disorder Bipolar Type. I don\u2019t ", "sort": "hot", "upvote_ratio": 0.36, "author": "Chrisrawhizushi"}

selftext:
TLDR: I just got an apartment, my sister wants to move in with her baby. She complicates things with her lifestyle, financial situation/choices and our history together. And I rant about it

Hi! 20F here! And recently I’ve gotten an apartment. I’m so very proud of this after facing a year of homelessness (living in a dorm with my cat). I had tried working jobs but that didn’t work out due to instability with my mental health condition primary being Schizoaffective Disorder Bipolar Type. I don’t 


topic_name: I Have to Move Out by May 1st, Please Rate My Budget &amp; Give Advice (Minneapolis, MN)
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qn54fz/i_have_to_move_out_by_may_1st_please_rate_my/
collected_at: 2026-02-12T00:05:03.489417+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qn54fz", "score": 433, "num_comments": 113, "created_utc": 1769399065.0, "selftext": "Moving away from extremely religious parents and lazy siblings who take advantage of me other wise I would nvr move out. ", "sort": "top", "upvote_ratio": 0.91, "author": "Loud_Jellyfish4504"}

selftext:
Moving away from extremely religious parents and lazy siblings who take advantage of me other wise I would nvr move out. 


topic_name: [Canada] Phishing scam, I feel so stupid and ashamed, my girlfriend probably hates me.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qzy0im/canada_phishing_scam_i_feel_so_stupid_and_ashamed/
collected_at: 2026-02-12T00:05:08.886910+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qzy0im", "score": 39, "num_comments": 15, "created_utc": 1770622537.0, "selftext": "I have been waiting for my Alberta license I have ordered just before I went to Mexico for 12 days.\n\nI have NEVER fell for any scam ever, but this seemed so legit and with my circumstances it just seemed exactly what would happen.\n\nI got the message from Canada post saying I needed to sign something to pick up my license from the delivery driver or it would be returned to the post office (I received this as soon as I landed back in Canada, but was sent on Feb 5th).\n\nAnyway, I opened the link, it", "sort": "hot", "upvote_ratio": 0.91, "author": "Choppa_Walsh730"}

selftext:
I have been waiting for my Alberta license I have ordered just before I went to Mexico for 12 days.

I have NEVER fell for any scam ever, but this seemed so legit and with my circumstances it just seemed exactly what would happen.

I got the message from Canada post saying I needed to sign something to pick up my license from the delivery driver or it would be returned to the post office (I received this as soon as I landed back in Canada, but was sent on Feb 5th).

Anyway, I opened the link, it


topic_name: I feel so stupid that I gave a stranger my phone.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qy7c4s/i_feel_so_stupid_that_i_gave_a_stranger_my_phone/
collected_at: 2026-02-12T00:05:12.359068+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qy7c4s", "score": 48, "num_comments": 40, "created_utc": 1770448616.0, "selftext": "I didn't even put in the number myself; I made him do it. He dialed the number and no one picked up; he said that his girlfriend had blocked him, so he needed it.\n\nHe asked me to use my WhatsApp (a messenger) and I let him. I was observing everything, but there was a time period (around 20 seconds) when I couldn't see anything (because he was sending the text, and I understood the wish for privacy).\n\nThis all happened under 1 minute and I think he's a student too. \n\nI've checked my account and e", "sort": "top", "upvote_ratio": 0.78, "author": "bodilysubliminals"}

selftext:
I didn't even put in the number myself; I made him do it. He dialed the number and no one picked up; he said that his girlfriend had blocked him, so he needed it.

He asked me to use my WhatsApp (a messenger) and I let him. I was observing everything, but there was a time period (around 20 seconds) when I couldn't see anything (because he was sending the text, and I understood the wish for privacy).

This all happened under 1 minute and I think he's a student too. 

I've checked my account and e


topic_name: Free Trial Option Makes The App 30% More Expensive Per Week
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889970+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1oe1wqj/free_trial_option_makes_the_app_30_more_expensive/

metadata:
{"subreddit": "assholedesign", "post_id": "1oe1wqj", "score": 369, "num_comments": 5, "created_utc": 1761222414.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.97, "author": "Master-Baiting_69"}


topic_name: found on my town's FB group
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qsm9d1/found_on_my_towns_fb_group/
collected_at: 2026-02-12T00:05:26.020692+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qsm9d1", "score": 69, "num_comments": 19, "created_utc": 1769913706.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.97, "author": "ae202012"}


topic_name: Hun, you need to take a remedial English class before you offer any classes of your ‘own.’
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qeg0i1/hun_you_need_to_take_a_remedial_english_class/
collected_at: 2026-02-12T00:05:30.135254+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qeg0i1", "score": 72, "num_comments": 50, "created_utc": 1768570297.0, "selftext": "", "sort": "top", "upvote_ratio": 0.96, "author": "Willing_Chemical1257"}


topic_name: Insurance Check Flagged by State Farm's Bank?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1czmk/insurance_check_flagged_by_state_farms_bank/
collected_at: 2026-02-12T00:05:44.256863+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1czmk", "score": 1, "num_comments": 0, "created_utc": 1770757130.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Giraffe-Able"}


topic_name: Cancellation for Car Insurance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qof89s/cancellation_for_car_insurance/
collected_at: 2026-02-12T00:05:47.658552+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qof89s", "score": 6, "num_comments": 12, "created_utc": 1769523863.0, "selftext": "A month ago, I was in an accident where the third party was liable, and I claimed directly through their insurance. I notified my insurance about the incident, but I made it very clear that I did not want to make a claim (with them). My car has since been written off, and I\u2019m trying to cancel my insurance. I pay monthly, and I was expecting a cancellation fee, but my insurance is saying that I\u2019m required to pay off the outstanding balance because I \u2018have claimed on my policy\u2019. I never claimed on", "sort": "top", "upvote_ratio": 0.8, "author": "Tino2667"}

selftext:
A month ago, I was in an accident where the third party was liable, and I claimed directly through their insurance. I notified my insurance about the incident, but I made it very clear that I did not want to make a claim (with them). My car has since been written off, and I’m trying to cancel my insurance. I pay monthly, and I was expecting a cancellation fee, but my insurance is saying that I’m required to pay off the outstanding balance because I ‘have claimed on my policy’. I never claimed on


topic_name: Tiktok buffers after the ads
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1iw3ym6/tiktok_buffers_after_the_ads/
collected_at: 2026-02-12T00:05:53.366520+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1iw3ym6", "score": 10, "num_comments": 0, "created_utc": 1740292544.0, "selftext": "This does not always happen but when the connection is weak, it's always buffering after an ad. Since you can't go to the next video, you have to watch the advertisement. I'm sure this is intentional. In other words, the last video that is downloaded to your device is always the ad. ", "sort": "hot", "upvote_ratio": 1.0, "author": "Any-Basis-437"}

selftext:
This does not always happen but when the connection is weak, it's always buffering after an ad. Since you can't go to the next video, you have to watch the advertisement. I'm sure this is intentional. In other words, the last video that is downloaded to your device is always the ad. 


topic_name: Free Tax software Worked Great for me
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qu5cb3/free_tax_software_worked_great_for_me/
collected_at: 2026-02-12T00:06:01.657131+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qu5cb3", "score": 174, "num_comments": 46, "created_utc": 1770061339.0, "selftext": "I used freetaxusa and it worked great. I even had several 1099-int\u2019s and a 1099-R, besides my w2.\n\nIt walked me through many suggestions as a senior to cut my taxes; suggested that I could cut my bill in half by making an IRA deposit, so I claimed it and I\u2019ll do it by 4/15.\n\nI was also able to set up my debit payment for April free of charge.\n\nMy state doesn\u2019t have income taxes but I think this is where they get you. I think it was $15 for state returns (correct this if you used it), but it\u2019s fr", "sort": "hot", "upvote_ratio": 0.95, "author": "moschocolate1"}

selftext:
I used freetaxusa and it worked great. I even had several 1099-int’s and a 1099-R, besides my w2.

It walked me through many suggestions as a senior to cut my taxes; suggested that I could cut my bill in half by making an IRA deposit, so I claimed it and I’ll do it by 4/15.

I was also able to set up my debit payment for April free of charge.

My state doesn’t have income taxes but I think this is where they get you. I think it was $15 for state returns (correct this if you used it), but it’s fr


topic_name: Scrapped up the last bits of deoderant
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1ql3mec/scrapped_up_the_last_bits_of_deoderant/
collected_at: 2026-02-12T00:06:05.044686+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1ql3mec", "score": 153, "num_comments": 33, "created_utc": 1769203856.0, "selftext": "Look this may be weird to some folks but I always feel bad throwing away old deoderants when there's still a bunch of bits left in between the holes of the stick. I finally saved a couple old ones and scraped them out, and it looks like a good amount I've got here! Now next time im out or low on deo I won't be regretting throwing away deoderant when its done bc it won't be going to waste :) \n\nIk its reddit, but please try to be nice~", "sort": "top", "upvote_ratio": 0.85, "author": "SpencersEmu"}

selftext:
Look this may be weird to some folks but I always feel bad throwing away old deoderants when there's still a bunch of bits left in between the holes of the stick. I finally saved a couple old ones and scraped them out, and it looks like a good amount I've got here! Now next time im out or low on deo I won't be regretting throwing away deoderant when its done bc it won't be going to waste :) 

Ik its reddit, but please try to be nice~


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1ios4/is_applying_for_the_bank_of_america_customized/
collected_at: 2026-02-12T00:06:10.588088+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
Is applying for the Bank of America Customized Cash Rewards card (the student version!) worth the risk?

metadata:
{"subreddit": "CreditCards", "post_id": "1r1ios4", "score": 2, "num_comments": 13, "created_utc": 1770770608.0, "selftext": "Currently a full-time college undergraduate student so I\u2019m applying for the student version.\n\nFico 8 Scores:\n\nExperian: 750 (Very Good)\n\nTransUnion: 750 (Very Good)\n\nEquifax: 750 (Very Good)\n\nVantageScore 3.0 Scores:\n\nExperian: 730 (Very Good)\n\nTransUnion: 730 (Very Good)\n\nEquifax: 730 (Very Good)\n\nStats:\n\nPayment History: 100%\n\nCredit Card Use: 1%\n\nDerogatory Marks: 0 collections; 0 records\n\nCredit Age: 0 years, 8 months\n\nTotal Accounts: 1\n\nHard Inquiries: 1\n\nMy question is, considering that th", "sort": "hot", "upvote_ratio": 0.63, "author": "IdyllicNomad"}

selftext:
Currently a full-time college undergraduate student so I’m applying for the student version.

Fico 8 Scores:

Experian: 750 (Very Good)

TransUnion: 750 (Very Good)

Equifax: 750 (Very Good)

VantageScore 3.0 Scores:

Experian: 730 (Very Good)

TransUnion: 730 (Very Good)

Equifax: 730 (Very Good)

Stats:

Payment History: 100%

Credit Card Use: 1%

Derogatory Marks: 0 collections; 0 records

Credit Age: 0 years, 8 months

Total Accounts: 1

Hard Inquiries: 1

My question is, considering that th


topic_name: Scammed Out of $6K; CitiBank Won’t Help Me
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qus7ra/scammed_out_of_6k_citibank_wont_help_me/
collected_at: 2026-02-12T00:06:13.782279+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qus7ra", "score": 54, "num_comments": 29, "created_utc": 1770126081.0, "selftext": "Hi everyone, I\u2019m looking for advice because I\u2019m honestly stuck at this point.\n\nIn December 2025, I paid $6K via my CitiBank credit card for car parts from an online seller. Delivery was promised within the next week, then repeatedly delayed. I asked multiple times for tracking and never received anything.\n\nWhen the final delivery date passed, I told the seller that if the parts couldn\u2019t be shipped with tracking, I wanted a refund. The seller sent screenshots claiming a refund was issued, but I n", "sort": "top", "upvote_ratio": 0.86, "author": "speedinglotus"}

selftext:
Hi everyone, I’m looking for advice because I’m honestly stuck at this point.

In December 2025, I paid $6K via my CitiBank credit card for car parts from an online seller. Delivery was promised within the next week, then repeatedly delayed. I asked multiple times for tracking and never received anything.

When the final delivery date passed, I told the seller that if the parts couldn’t be shipped with tracking, I wanted a refund. The seller sent screenshots claiming a refund was issued, but I n


topic_name: I got a w2 from a company I never worked for
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r277ij/i_got_a_w2_from_a_company_i_never_worked_for/
collected_at: 2026-02-12T00:06:18.921081+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r277ij", "score": 1, "num_comments": 0, "created_utc": 1770838565.0, "selftext": "Location: New Hampshire USA, although the company is out of Utah. As the title says, got a w2 from a company I didn\u2019t work for last year, I called them and they said no one has ever gotten a w2 from that company because they hire independent contractors\u2026  \n\nI googled my scenario and it says i was most likely the victim of identity theft so I\u2019m just wondering what I should do here.\n\nIs there a way to look up EIN\u2019s so I can verify I called the right company?", "sort": "hot", "upvote_ratio": 1.0, "author": "RemarkableRiver9961"}

selftext:
Location: New Hampshire USA, although the company is out of Utah. As the title says, got a w2 from a company I didn’t work for last year, I called them and they said no one has ever gotten a w2 from that company because they hire independent contractors…  

I googled my scenario and it says i was most likely the victim of identity theft so I’m just wondering what I should do here.

Is there a way to look up EIN’s so I can verify I called the right company?


topic_name: New Neighbor Parking In My Reserved Space
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qpk74h/new_neighbor_parking_in_my_reserved_space/
collected_at: 2026-02-12T00:06:22.356745+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qpk74h", "score": 452, "num_comments": 43, "created_utc": 1769626146.0, "selftext": "Location: PA\n\nI moved in to my apartment owned by an elderly couple 4 months ago. Before signing the lease, I expressed concern about the parking since I do not like street parking. They said the parking spaces were assigned and showed me which was mine. My lease states that I have a reserved space for apartment one and we are not allowed to park in other tenants spaces. The owners texted me a map to show how the spaces were assigned. They could not figure out how to get the map on the Zillow le", "sort": "top", "upvote_ratio": 0.97, "author": "baby_love67"}

selftext:
Location: PA

I moved in to my apartment owned by an elderly couple 4 months ago. Before signing the lease, I expressed concern about the parking since I do not like street parking. They said the parking spaces were assigned and showed me which was mine. My lease states that I have a reserved space for apartment one and we are not allowed to park in other tenants spaces. The owners texted me a map to show how the spaces were assigned. They could not figure out how to get the map on the Zillow le


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qmz7to/lpt_create_one_shared_family_rule_called_reset/
collected_at: 2026-02-12T00:06:28.286257+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: Create one shared family rule called Reset Time, then do a 10 minute reset together once a day.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qmz7to", "score": 742, "num_comments": 26, "created_utc": 1769383733.0, "selftext": "Set a timer for 10 minutes. Everyone puts away only obvious clutter in their own zone. \n\nDishes, trash, laundry, backpacks, etc. Stop when the timer ends. \n\nThe house stays under control without anyone feeling nagged.", "sort": "hot", "upvote_ratio": 0.93, "author": "gamersecret2"}

selftext:
Set a timer for 10 minutes. Everyone puts away only obvious clutter in their own zone. 

Dishes, trash, laundry, backpacks, etc. Stop when the timer ends. 

The house stays under control without anyone feeling nagged.


topic_name: What do we think about the Fiskar's 18-inch billhook?
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789876+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qzw5pt/what_do_we_think_about_the_fiskars_18inch_billhook/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzw5pt", "score": 3, "num_comments": 4, "created_utc": 1770616166.0, "selftext": "Has anyone tried the [Fiskar's 18-inch billhook and saw?](https://www.fiskars.com/en-us/gardening-and-yard-care/products/axes-mauls-and-machetes/billhook-saw-machete-18-385071-1004?bvstate=pg:2/ct:r)\n\nSeems like a good one-size solution for blackberry/salal/huckleberry/scotchbroom here in the Pacific Northwest, and the saw would let it flex into cutting through bigger, woodier stuff. Is this something I can just clip onto my belt and use to clear brush if needed, say on a backpacking trip? I und", "sort": "hot", "upvote_ratio": 0.71, "author": "NotThePopeProbably"}

selftext:
Has anyone tried the [Fiskar's 18-inch billhook and saw?](https://www.fiskars.com/en-us/gardening-and-yard-care/products/axes-mauls-and-machetes/billhook-saw-machete-18-385071-1004?bvstate=pg:2/ct:r)

Seems like a good one-size solution for blackberry/salal/huckleberry/scotchbroom here in the Pacific Northwest, and the saw would let it flex into cutting through bigger, woodier stuff. Is this something I can just clip onto my belt and use to clear brush if needed, say on a backpacking trip? I und


source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492533+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
I've had this Blunt Metro umbrella for the past 7 years and it's still been holding up well. The only thing is the velcro strap doesn't stick anymore. It's super annoying, so I fixed it with a snap button and it's done the trick!

url:
https://reddit.com/r/BuyItForLife/comments/1qllm3q/ive_had_this_blunt_metro_umbrella_for_the_past_7/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qllm3q", "score": 234, "num_comments": 8, "created_utc": 1769257303.0, "selftext": "", "sort": "top", "upvote_ratio": 0.97, "author": "techy99m"}


topic_name: At what % of net worth does it not make sense anymore?
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000232+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qejo4c/at_what_of_net_worth_does_it_not_make_sense/

metadata:
{"subreddit": "financialindependence", "post_id": "1qejo4c", "score": 0, "num_comments": 61, "created_utc": 1768578851.0, "selftext": "$3.5m net worth ($3m liquid, $500k rental property equity, currently renting), currently in the $500k-$600k pay range. Unlikely pay will go above that amount. I\u2019m currently getting around $6k/mo from my rentals.\n\nSpend is around $100k/yr.\n\nCulture is pretty toxic, and hours are long. Wondering at what point it makes sense to walk away? Has anyone else done a calculation as to what take-home pay should be as a percentage of net worth?\n\nAlso - if anyone is suggesting that I downshift, it\u2019s unfortu", "sort": "hot", "upvote_ratio": 0.24, "author": "Routine_Mushroom_245"}

selftext:
$3.5m net worth ($3m liquid, $500k rental property equity, currently renting), currently in the $500k-$600k pay range. Unlikely pay will go above that amount. I’m currently getting around $6k/mo from my rentals.

Spend is around $100k/yr.

Culture is pretty toxic, and hours are long. Wondering at what point it makes sense to walk away? Has anyone else done a calculation as to what take-home pay should be as a percentage of net worth?

Also - if anyone is suggesting that I downshift, it’s unfortu


topic_name: LeBron's New Warmup Routine
source: youtube
region: US
url: https://youtube.com/watch?v=VlY9pD10-rw
collected_at: 2026-02-12T00:04:30.766278
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "VlY9pD10-rw", "channel": "Coach Clank", "category": "Sports", "category_id": 17, "views": "2956261", "view_count": 2956261, "likes": "74988", "published_at": "2026-02-06T02:42:01Z"}


topic_name: SuperhitPhonk - Papaoutai (Afro Soul) (Official Music Video)
source: youtube
region: CA
url: https://youtube.com/watch?v=GCMHLtwJbSE
collected_at: 2026-02-12T00:04:31.193837
autocomplete: []
category: General/Mixed
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "GCMHLtwJbSE", "channel": "SuperhitPhonkVEVO", "category": "General/Mixed", "category_id": null, "views": "3383274", "view_count": 3383274, "likes": "57354", "published_at": "2026-02-01T21:29:26Z"}


topic_name: How to negotiate my hospital bills
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r1zwb6/how_to_negotiate_my_hospital_bills/
collected_at: 2026-02-12T00:04:41.815129+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r1zwb6", "score": 1, "num_comments": 6, "created_utc": 1770822623.0, "selftext": "I know there\u2019s a lot of threads on this but it\u2019s making me nervous to call and negotiate a bill. I have 3 kids and I\u2019ve always just set up payment plans through a third party company but even the lowest payments were just getting to be too much. I stopped paying on them and now my accounts are closed and I\u2019m having the hospital call me. I have 3 hospitals I owe money too. I want to call and try to negotiate my bills but I can\u2019t pay them right now. I was going to ask for a payment plan again but ", "sort": "hot", "upvote_ratio": 0.6, "author": "SaltInteresting7050"}

selftext:
I know there’s a lot of threads on this but it’s making me nervous to call and negotiate a bill. I have 3 kids and I’ve always just set up payment plans through a third party company but even the lowest payments were just getting to be too much. I stopped paying on them and now my accounts are closed and I’m having the hospital call me. I have 3 hospitals I owe money too. I want to call and try to negotiate my bills but I can’t pay them right now. I was going to ask for a payment plan again but 


topic_name: Just Updated my 401k Contribution to 30% to near max. Did I do the right thing?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418394+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qkrxo0/just_updated_my_401k_contribution_to_30_to_near/

metadata:
{"subreddit": "personalfinance", "post_id": "1qkrxo0", "score": 171, "num_comments": 161, "created_utc": 1769177738.0, "selftext": "Hey guys, I was looking into a few things the last couple of days and just updated my contribution to 30% (then 4% match so total of 34%) from 16%. Curious to hear you guys' thoughts if I did the right thing.\n\nTo start - I'm 31 and my wife is 25.\n\n  \nWe maxed our Roth IRAs for 2025 and 2026 so about 15,000-16,000 a piece right now and will max again in January. I max my HSA.\n\nWe have salaries of 70,000 each. Wife contributes 15% (then 4% match) to her 401k.\n\n  \nWe have 50,000 about to mature in ", "sort": "top", "upvote_ratio": 0.81, "author": "Mediocrewatch"}

selftext:
Hey guys, I was looking into a few things the last couple of days and just updated my contribution to 30% (then 4% match so total of 34%) from 16%. Curious to hear you guys' thoughts if I did the right thing.

To start - I'm 31 and my wife is 25.

  
We maxed our Roth IRAs for 2025 and 2026 so about 15,000-16,000 a piece right now and will max again in January. I max my HSA.

We have salaries of 70,000 each. Wife contributes 15% (then 4% match) to her 401k.

  
We have 50,000 about to mature in 


topic_name: What’s you all’s financial approach to car buying?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qyxx35/whats_you_alls_financial_approach_to_car_buying/
collected_at: 2026-02-12T00:04:50.635943+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qyxx35", "score": 3, "num_comments": 32, "created_utc": 1770520665.0, "selftext": "Are ya'll ok with extended loan terms? Obviously we seem to be in a debt crisis. My personal view is that if you can't pay it off in less than two to three years, it's too expensive. Obviously paying cash is even better and there are plenty of cool cars under 20k.\n\nEven as a lifelong car enthusiast, I can't bring myself to become enslaved to what is essentially a toy. Just gotta get my money up. Also a lot of people seem to buy cars just to impress others, but that's useless because there's alwa", "sort": "hot", "upvote_ratio": 0.55, "author": "SouthImportant2499"}

selftext:
Are ya'll ok with extended loan terms? Obviously we seem to be in a debt crisis. My personal view is that if you can't pay it off in less than two to three years, it's too expensive. Obviously paying cash is even better and there are plenty of cool cars under 20k.

Even as a lifelong car enthusiast, I can't bring myself to become enslaved to what is essentially a toy. Just gotta get my money up. Also a lot of people seem to buy cars just to impress others, but that's useless because there's alwa


source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457711+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
Do you have a college degree? What did you major in, and did you have trouble finding a decent job that paid well?

url:
https://reddit.com/r/povertyfinance/comments/1r0a0j1/do_you_have_a_college_degree_what_did_you_major/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0a0j1", "score": 9, "num_comments": 64, "created_utc": 1770657140.0, "selftext": "I was wondering how many of you have a college degree, and whether or not it did anything to bring you out of poverty. I know college is super expensive to begin with, and some majors don\u2019t pay well. And even some majors that are supposed to pay well don\u2019t pay well, resulting in poverty in many cases. I know nothing is guaranteed, and the job market is godawful these days, so that\u2019s why I was curious.", "sort": "hot", "upvote_ratio": 0.72, "author": "justcurious3287"}

selftext:
I was wondering how many of you have a college degree, and whether or not it did anything to bring you out of poverty. I know college is super expensive to begin with, and some majors don’t pay well. And even some majors that are supposed to pay well don’t pay well, resulting in poverty in many cases. I know nothing is guaranteed, and the job market is godawful these days, so that’s why I was curious.


topic_name: Light at the end of the tunnel
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qqde1t/light_at_the_end_of_the_tunnel/
collected_at: 2026-02-12T00:05:03.489421+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qqde1t", "score": 417, "num_comments": 47, "created_utc": 1769704308.0, "selftext": "Guys. I\u2019m so fucking excited.  It\u2019s taken a lot of sacrifice but finally we have paid off my husband\u2019s credit card debt. (That\u2019s a long story I don\u2019t feel like sharing.) We came into a bunch of cash this month through refinancing our house and an error in the HOA and that money is going to pay off the remaining balances.\n\nI don\u2019t feel like I can truly embrace the feeling though because this sort of happened once before\u2026.so I\u2019m holding back on my celebration and just letting Reddit know. we can g", "sort": "top", "upvote_ratio": 0.97, "author": "Opening-Ad4543"}

selftext:
Guys. I’m so fucking excited.  It’s taken a lot of sacrifice but finally we have paid off my husband’s credit card debt. (That’s a long story I don’t feel like sharing.) We came into a bunch of cash this month through refinancing our house and an error in the HOA and that money is going to pay off the remaining balances.

I don’t feel like I can truly embrace the feeling though because this sort of happened once before….so I’m holding back on my celebration and just letting Reddit know. we can g


topic_name: [US] Email Scam That Created New Email Rule/Settings (Question/Help)
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0h455/us_email_scam_that_created_new_email_rulesettings/
collected_at: 2026-02-12T00:05:08.886915+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0h455", "score": 2, "num_comments": 12, "created_utc": 1770672386.0, "selftext": "My grandma received a pretty deceiving email from \"Microsoft\" with a link that led to a website asking her to buy new software. She clicked the link but didn't enter payment details. Well her email (outlook) stopped receiving mail and so she called me and I figured out that a new rule had been created that sent any email containing the letter \"a\" to the junk folder (poor Grandma now had to wade through a week's worth of erectile dysfunction spam to make sure she didn't miss anything important). ", "sort": "hot", "upvote_ratio": 0.76, "author": "TheOtherChachii"}

selftext:
My grandma received a pretty deceiving email from "Microsoft" with a link that led to a website asking her to buy new software. She clicked the link but didn't enter payment details. Well her email (outlook) stopped receiving mail and so she called me and I figured out that a new rule had been created that sent any email containing the letter "a" to the junk folder (poor Grandma now had to wade through a week's worth of erectile dysfunction spam to make sure she didn't miss anything important). 


topic_name: A possible tool to help you break someone out of a romance scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qcvqr4/a_possible_tool_to_help_you_break_someone_out_of/
collected_at: 2026-02-12T00:05:12.359071+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qcvqr4", "score": 48, "num_comments": 40, "created_utc": 1768416603.0, "selftext": "With it being so incredibly hard to get someone to see that they're involved in a romance scam, we can use every tool we can get. The problem with most of them is that scammers always seem to have something they can say to counter them. Well, I wonder if maybe I've found one that might work, if you could talk the victim into trying it.\n\nHere goes. What would happen if you could get the victim to say to the scammer something like, \"Elon (or whatever fake name the scammer is using), this has been ", "sort": "top", "upvote_ratio": 0.81, "author": "ISurfTooMuch"}

selftext:
With it being so incredibly hard to get someone to see that they're involved in a romance scam, we can use every tool we can get. The problem with most of them is that scammers always seem to have something they can say to counter them. Well, I wonder if maybe I've found one that might work, if you could talk the victim into trying it.

Here goes. What would happen if you could get the victim to say to the scammer something like, "Elon (or whatever fake name the scammer is using), this has been 


topic_name: McDonald's where you have to pay to use the bathroom even though you paid for food
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1ocgcrf/mcdonalds_where_you_have_to_pay_to_use_the/
collected_at: 2026-02-12T00:05:17.889973+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1ocgcrf", "score": 1455, "num_comments": 186, "created_utc": 1761061269.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.92, "author": "[deleted]"}


topic_name: The world is on fire, and according to this hun, the remedy is Bravenly products.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qsfo7g/the_world_is_on_fire_and_according_to_this_hun/
collected_at: 2026-02-12T00:05:26.020697+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qsfo7g", "score": 103, "num_comments": 40, "created_utc": 1769896867.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: Retroactive Cancellation of Coverage
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1cw63/retroactive_cancellation_of_coverage/
collected_at: 2026-02-12T00:05:44.256867+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1cw63", "score": 1, "num_comments": 0, "created_utc": 1770756909.0, "selftext": "Hello all I\u2019ll be short and quick. \n\nI worked for X company from Aug of 24 to Aug of 25. When I left I received an email from HR saying I had until a certain date later in August to begin paying for my current insurance policy with BCBS that I got for free through X company or I could cancel it. I no longer have access to the work email they sent it to but if they were to hypothetically be subpoenaed it would be there. \n\nI received a letter from BCBS saying I owe $180 in overpayment since I was ", "sort": "hot", "upvote_ratio": 1.0, "author": "JacksonVonLongname"}

selftext:
Hello all I’ll be short and quick. 

I worked for X company from Aug of 24 to Aug of 25. When I left I received an email from HR saying I had until a certain date later in August to begin paying for my current insurance policy with BCBS that I got for free through X company or I could cancel it. I no longer have access to the work email they sent it to but if they were to hypothetically be subpoenaed it would be there. 

I received a letter from BCBS saying I owe $180 in overpayment since I was 


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qo25xw/insurance_cancelled_my_policy_for_nonpayment/
collected_at: 2026-02-12T00:05:47.658556+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
Insurance cancelled my policy for non-payment while owing me a refund - then I had an accident. Am I screwed?

metadata:
{"subreddit": "Insurance", "post_id": "1qo25xw", "score": 5, "num_comments": 58, "created_utc": 1769483623.0, "selftext": "I\u2019ve been with my auto insurer for 10 years - never filed a claim, never missed a payment until this. My bank account overdrafted and I missed a premium payment. I got notifications and called their automated system and paid what I thought was the missing payment. Turns out that only covered the \u201cowed amount\u201d and didn\u2019t actually reinstate my policy - I didn\u2019t realize this.\n\nA few weeks later I get in a fender bender and I\u2019m at fault. I call my insurer to file a claim and they tell me I don\u2019t hav", "sort": "top", "upvote_ratio": 0.54, "author": "DrChiliPepper"}

selftext:
I’ve been with my auto insurer for 10 years - never filed a claim, never missed a payment until this. My bank account overdrafted and I missed a premium payment. I got notifications and called their automated system and paid what I thought was the missing payment. Turns out that only covered the “owed amount” and didn’t actually reinstate my policy - I didn’t realize this.

A few weeks later I get in a fender bender and I’m at fault. I call my insurer to file a claim and they tell me I don’t hav


topic_name: Google Photos won't let you upload photos unless you give it access to all photos on your device
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1igtckf/google_photos_wont_let_you_upload_photos_unless/
collected_at: 2026-02-12T00:05:53.366524+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1igtckf", "score": 35, "num_comments": 7, "created_utc": 1738600792.0, "selftext": "[My current photo privacy settings for the app are \\\\\"Limited\\\\\", with some recent photos selected.](https://preview.redd.it/fqdllrhacyge1.png?width=1290&amp;format=png&amp;auto=webp&amp;s=7e0fb04c8a8c059917e42dd175779f30137ebe4e)\n\nBut there's more... they are cutting off full, unrestricted access to users' photos via their API, so that random apps across the internet that users gave permissions to, via Google login, don't invade their users' privacy. Ironic. I guess it's fine for \\_them\\_ to in", "sort": "hot", "upvote_ratio": 0.97, "author": "koctake"}

selftext:
[My current photo privacy settings for the app are \\"Limited\\", with some recent photos selected.](https://preview.redd.it/fqdllrhacyge1.png?width=1290&amp;format=png&amp;auto=webp&amp;s=7e0fb04c8a8c059917e42dd175779f30137ebe4e)

But there's more... they are cutting off full, unrestricted access to users' photos via their API, so that random apps across the internet that users gave permissions to, via Google login, don't invade their users' privacy. Ironic. I guess it's fine for \_them\_ to in


topic_name: Cheapest cell phone plan for 4 lines?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qun15m/cheapest_cell_phone_plan_for_4_lines/
collected_at: 2026-02-12T00:06:01.657135+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qun15m", "score": 15, "num_comments": 42, "created_utc": 1770109110.0, "selftext": "Currently pay $100 out the door for metro by t mobile which I've had for many years, unlimited data talk and text no hotspot but I mainly use wifi so not a biggie for me, just trying to see if there's anything lower these days for a similar plan.\n\n Located in Southern California. \n\nI like the t mobile Tuesdays Also which is a nice perk with some of the cool deals they got on there and free stuff. ", "sort": "hot", "upvote_ratio": 0.83, "author": "Long_Macaroon7954"}

selftext:
Currently pay $100 out the door for metro by t mobile which I've had for many years, unlimited data talk and text no hotspot but I mainly use wifi so not a biggie for me, just trying to see if there's anything lower these days for a similar plan.

 Located in Southern California. 

I like the t mobile Tuesdays Also which is a nice perk with some of the cool deals they got on there and free stuff. 


topic_name: Why do earbuds that block snoring feel like a luxury item
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qr9fhs/why_do_earbuds_that_block_snoring_feel_like_a/
collected_at: 2026-02-12T00:06:05.044690+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qr9fhs", "score": 147, "num_comments": 185, "created_utc": 1769788859.0, "selftext": "\n I\u2019m frugal about almost everything in my life, and usually I\u2019m pretty proud of that, but the moment sleep gets involved my logic completely falls apart, which is why searching for earbuds that block snoring feels weirdly uncomfortable. During the day it\u2019s easy to say \u201cit\u2019s just earbuds, don\u2019t overthink it,\u201d but at 3am, wide awake, listening to snoring and doing mental math about cost versus sanity, it suddenly stops feeling like a normal frugal decision. I\u2019ve tried the cheap fixes\u2014some kind of", "sort": "top", "upvote_ratio": 0.87, "author": "Nikhil0004"}

selftext:
 I’m frugal about almost everything in my life, and usually I’m pretty proud of that, but the moment sleep gets involved my logic completely falls apart, which is why searching for earbuds that block snoring feels weirdly uncomfortable. During the day it’s easy to say “it’s just earbuds, don’t overthink it,” but at 3am, wide awake, listening to snoring and doing mental math about cost versus sanity, it suddenly stops feeling like a normal frugal decision. I’ve tried the cheap fixes—some kind of


topic_name: Is the Elan Max Cash category selection UI broken for anyone else?
source: reddit
region: global
collected_at: 2026-02-12T00:06:10.588092+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1r1iisn/is_the_elan_max_cash_category_selection_ui_broken/

metadata:
{"subreddit": "CreditCards", "post_id": "1r1iisn", "score": 2, "num_comments": 2, "created_utc": 1770770176.0, "selftext": "I'm at [https://redeem.myrewardsaccess.com/elanmxcash/en\\_us/home/dashboard.html](https://redeem.myrewardsaccess.com/elanmxcash/en_us/home/dashboard.html) under the \"Quarterly Enrollment\" tab, and I can't click anything on the section for the next period to change my selections. Tried on both Chrome and Firefox. Anyone else?", "sort": "hot", "upvote_ratio": 1.0, "author": "move-that-dopamine"}

selftext:
I'm at [https://redeem.myrewardsaccess.com/elanmxcash/en\_us/home/dashboard.html](https://redeem.myrewardsaccess.com/elanmxcash/en_us/home/dashboard.html) under the "Quarterly Enrollment" tab, and I can't click anything on the section for the next period to change my selections. Tried on both Chrome and Firefox. Anyone else?


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qhxnp3/redstone_visa_has_been_significantly_nerfed_and/
collected_at: 2026-02-12T00:06:13.782282+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
Redstone Visa has been significantly nerfed, and its upcoming quarterly rotating categories are not attractive at all

metadata:
{"subreddit": "CreditCards", "post_id": "1qhxnp3", "score": 53, "num_comments": 37, "created_utc": 1768905109.0, "selftext": "[https://i.postimg.cc/FzzkhBdj/Screenshot-2026-01-20-052444.png](https://i.postimg.cc/FzzkhBdj/Screenshot-2026-01-20-052444.png)\n\nApril 1 - June 30(choose one of below categories) \n\n* Amazon\n* Travel, hotel and rental cars\n* Home Improvement\n\nRedstone Visa has been significantly nerfed, and its upcoming quarterly rotating categories are not attractive at all.\n\nI mainly used this card for gas and dining. I was hoping to keep it as a dining card, but it seems the restaurant category is not always ", "sort": "top", "upvote_ratio": 0.88, "author": "VAer1"}

selftext:
[https://i.postimg.cc/FzzkhBdj/Screenshot-2026-01-20-052444.png](https://i.postimg.cc/FzzkhBdj/Screenshot-2026-01-20-052444.png)

April 1 - June 30(choose one of below categories) 

* Amazon
* Travel, hotel and rental cars
* Home Improvement

Redstone Visa has been significantly nerfed, and its upcoming quarterly rotating categories are not attractive at all.

I mainly used this card for gas and dining. I was hoping to keep it as a dining card, but it seems the restaurant category is not always 


topic_name: Assaulted, awaiting hearing and D.A is providing zero case support (CA)
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r275gm/assaulted_awaiting_hearing_and_da_is_providing/
collected_at: 2026-02-12T00:06:18.921085+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r275gm", "score": 1, "num_comments": 1, "created_utc": 1770838439.0, "selftext": "Location: CALIFORNIA\n\n\n\nAssaulted by an individual who was caught/ arrested. His charges are: Assault with a deadly weapon, Battery with serious injury.\n\nWent to the E.R same day with blunt force trauma / concussion and a big open bleeding gash in my head. Been following up with my primary doc and have had a serious migrane since the incident (3 weeks now) which won't go away.  Getting cat scans, prescribed pain killers, seeing a neurologist soon and so on....\n\n  \nInitially went to the sheriffs ", "sort": "hot", "upvote_ratio": 1.0, "author": "Relevant-Stable5758"}

selftext:
Location: CALIFORNIA



Assaulted by an individual who was caught/ arrested. His charges are: Assault with a deadly weapon, Battery with serious injury.

Went to the E.R same day with blunt force trauma / concussion and a big open bleeding gash in my head. Been following up with my primary doc and have had a serious migrane since the incident (3 weeks now) which won't go away.  Getting cat scans, prescribed pain killers, seeing a neurologist soon and so on....

  
Initially went to the sheriffs 


topic_name: Had a Car Towed out of my Space, What comes Next?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qonavb/had_a_car_towed_out_of_my_space_what_comes_next/
collected_at: 2026-02-12T00:06:22.356750+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qonavb", "score": 431, "num_comments": 39, "created_utc": 1769540951.0, "selftext": "Hi there, Location: Indiana\n\nWe are on the aftermath of that snow storm in our area, and after spending 48 hours overnight at my animal care facility to make sure the animals had someone to tend to them (did not want my employees driving in through the snow) I finally got to go home Monday. \n\nWhen I arrived in my apartment complex I saw my space was snowed in. I parked in a temp guest spot, got out and shoveled my space and parked my car. Later that night I had to run an errand and pick up my ro", "sort": "top", "upvote_ratio": 0.93, "author": "WetRedDog191"}

selftext:
Hi there, Location: Indiana

We are on the aftermath of that snow storm in our area, and after spending 48 hours overnight at my animal care facility to make sure the animals had someone to tend to them (did not want my employees driving in through the snow) I finally got to go home Monday. 

When I arrived in my apartment complex I saw my space was snowed in. I parked in a temp guest spot, got out and shoveled my space and parked my car. Later that night I had to run an errand and pick up my ro


topic_name: LPT: If there is a big snow storm shovel every 2-3 hours.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qmk83e/lpt_if_there_is_a_big_snow_storm_shovel_every_23/
collected_at: 2026-02-12T00:06:28.286261+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qmk83e", "score": 2801, "num_comments": 311, "created_utc": 1769350590.0, "selftext": "I know a lot of us are dealing with a big snowstorm right now (January 25, 2026), so here\u2019s a quick pro tip.\n\nIf you don\u2019t have a snowblower and are relying on a shovel, try going out every 2\u20133 hours instead of waiting until the end of the day. It\u2019s much easier on your back and your heart than trying to move a foot or more of snow all at once.\n\nWhen snow sits, the bottom layer can freeze and compact, making it much heavier and harder to shovel. Doing a few shorter passes throughout the day can s", "sort": "hot", "upvote_ratio": 0.9, "author": "rico_unknown"}

selftext:
I know a lot of us are dealing with a big snowstorm right now (January 25, 2026), so here’s a quick pro tip.

If you don’t have a snowblower and are relying on a shovel, try going out every 2–3 hours instead of waiting until the end of the day. It’s much easier on your back and your heart than trying to move a foot or more of snow all at once.

When snow sits, the bottom layer can freeze and compact, making it much heavier and harder to shovel. Doing a few shorter passes throughout the day can s


topic_name: Anyone know good plus size friendly metal bedframes????
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0f2tr/anyone_know_good_plus_size_friendly_metal/
collected_at: 2026-02-12T00:06:36.789880+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0f2tr", "score": 0, "num_comments": 14, "created_utc": 1770667900.0, "selftext": "Hello, I previously bought this metal bedframe but it broke last night as we slept. it was supposed to be durable. it has been two years so i suppose it was semi durable but i was hoping to have it for way longer. We are a plus sized couple and we have a small dog and some cats......and we usually move around the bed a lot in our sleep. We also move around the mattress a bunch to change the sheets bc we have the sheet zip onto the mattress. I keep seeing posts for king or queen but we have a cal", "sort": "hot", "upvote_ratio": 0.13, "author": "Inutrientsss"}

selftext:
Hello, I previously bought this metal bedframe but it broke last night as we slept. it was supposed to be durable. it has been two years so i suppose it was semi durable but i was hoping to have it for way longer. We are a plus sized couple and we have a small dog and some cats......and we usually move around the bed a lot in our sleep. We also move around the mattress a bunch to change the sheets bc we have the sheet zip onto the mattress. I keep seeing posts for king or queen but we have a cal


topic_name: Bludstones finally give up after 6 years
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qfcor5/bludstones_finally_give_up_after_6_years/
collected_at: 2026-02-12T00:06:40.492539+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qfcor5", "score": 231, "num_comments": 143, "created_utc": 1768654986.0, "selftext": "Obviously not BIFL, but I consider 6 years to be a decent amount, especially for daily use in three seasons.\n\nI accidentally punctured them with a metal shard, so I had to add a patch. They were still water resistant until the new hole appeared on the bend and the soles finally cracked.", "sort": "top", "upvote_ratio": 0.71, "author": "disaverper"}

selftext:
Obviously not BIFL, but I consider 6 years to be a decent amount, especially for daily use in three seasons.

I accidentally punctured them with a metal shard, so I had to add a patch. They were still water resistant until the new hole appeared on the bend and the soles finally cracked.


topic_name: Financial conversations with your partner
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000236+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qczgqa/financial_conversations_with_your_partner/

metadata:
{"subreddit": "financialindependence", "post_id": "1qczgqa", "score": 26, "num_comments": 37, "created_utc": 1768424847.0, "selftext": "Hi guys, I\u2019m new to the community but a big believer in financial independence. My long term partner and I are in the process of setting ourselves up for the future and need to have the financial conversation. \n\nI think we have been needing to have this conversation about a year ago but not felt comfortable to have the conversation. Maybe because we both feel like we have different ideas of money and what it means. \n\nI guess I\u2019m looking to ask the community a couple of questions.\n\n1. For people ", "sort": "hot", "upvote_ratio": 0.73, "author": "stewtatobake"}

selftext:
Hi guys, I’m new to the community but a big believer in financial independence. My long term partner and I are in the process of setting ourselves up for the future and need to have the financial conversation. 

I think we have been needing to have this conversation about a year ago but not felt comfortable to have the conversation. Maybe because we both feel like we have different ideas of money and what it means. 

I guess I’m looking to ask the community a couple of questions.

1. For people 


topic_name: Who Wins That? #ishowspeed #jakepaul #edit
source: youtube
region: US
url: https://youtube.com/watch?v=ds-wP1FUqVc
collected_at: 2026-02-12T00:04:30.766262
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "ds-wP1FUqVc", "channel": "Goofy Recaps", "category": "Sports", "category_id": 17, "views": "2913255", "view_count": 2913255, "likes": "87612", "published_at": "2026-02-09T01:54:51Z"}


topic_name: Should I refinance the house I live in or the rental property
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815132+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r1zryz/should_i_refinance_the_house_i_live_in_or_the/

metadata:
{"subreddit": "personalfinance", "post_id": "1r1zryz", "score": 1, "num_comments": 1, "created_utc": 1770822348.0, "selftext": "I paid off my house two years ago and I used a heloc to pull out 200k out of equity. I bought a rental property renovated it and consolidated some other debt totaling 200k. rental property should be worth 230k and the house I live in now is worth 250k(minus the heloc 200k). I'm planning on getting land and living in a mobile home so I can rent out the other two properties. I'm not sure if I should refinance my first house with the heloc to lower the payment or finance the rental so I can keep th", "sort": "hot", "upvote_ratio": 1.0, "author": "murkiiwater"}

selftext:
I paid off my house two years ago and I used a heloc to pull out 200k out of equity. I bought a rental property renovated it and consolidated some other debt totaling 200k. rental property should be worth 230k and the house I live in now is worth 250k(minus the heloc 200k). I'm planning on getting land and living in a mobile home so I can rent out the other two properties. I'm not sure if I should refinance my first house with the heloc to lower the payment or finance the rental so I can keep th


topic_name: Tax Filing Software Megathread: A comprehensive list of tax filing resources
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418398+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qfcm9n/tax_filing_software_megathread_a_comprehensive/

metadata:
{"subreddit": "personalfinance", "post_id": "1qfcm9n", "score": 164, "num_comments": 202, "created_utc": 1768654803.0, "selftext": "Please use this thread to discuss various methods of filing taxes. This can include:\n\n* Tax Software Recommendations (give detail as to *why!*)  \n* Tax Software Experiences  \n* Other Tax Filing Tools  \n* Experiences with Filing Manually\n* Past Experiences using CPAs or other professionals  \n* Tax Filing Tips, Tricks, and Helpful Hints\n\nIf you have any specific questions, or need personalized help with taxes that don't belong here, feel free to [start a new discussion](http://old.reddit.com/r/per", "sort": "top", "upvote_ratio": 0.95, "author": "IndexBot"}

selftext:
Please use this thread to discuss various methods of filing taxes. This can include:

* Tax Software Recommendations (give detail as to *why!*)  
* Tax Software Experiences  
* Other Tax Filing Tools  
* Experiences with Filing Manually
* Past Experiences using CPAs or other professionals  
* Tax Filing Tips, Tricks, and Helpful Hints

If you have any specific questions, or need personalized help with taxes that don't belong here, feel free to [start a new discussion](http://old.reddit.com/r/per


topic_name: Customer Survey
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qyf5ke/customer_survey/
collected_at: 2026-02-12T00:04:50.635946+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qyf5ke", "score": 9, "num_comments": 15, "created_utc": 1770474450.0, "selftext": "I recently bought a vehicle and had a great experience. The sales kid (he\u2019s not even legal drinking age) is brand new. He was very helpful and even surprised me with the color I like. I gave him a very good review on Google. I even told the GM that I chose them because of the sales person.\n\nYesterday, the sales guy called me and said that he was told that I haven\u2019t filled out the survey from the manufacturer. He was clearly stressed about it. I asked if the boss was giving him a hard time, and h", "sort": "hot", "upvote_ratio": 0.75, "author": "Key_Snow_3931"}

selftext:
I recently bought a vehicle and had a great experience. The sales kid (he’s not even legal drinking age) is brand new. He was very helpful and even surprised me with the color I like. I gave him a very good review on Google. I even told the GM that I chose them because of the sales person.

Yesterday, the sales guy called me and said that he was told that I haven’t filled out the survey from the manufacturer. He was clearly stressed about it. I asked if the boss was giving him a hard time, and h


topic_name: Manheim title issues
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qxjb4g/manheim_title_issues/
collected_at: 2026-02-12T00:04:53.860535+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qxjb4g", "score": 7, "num_comments": 4, "created_utc": 1770388660.0, "selftext": "any dealers on here that work with Manheim know how good they are at getting title issues fixed? We just started buying with them and already have a title issue that needs fixed, and I'm sure there are more to come.", "sort": "top", "upvote_ratio": 1.0, "author": "Better-Temporary1951"}

selftext:
any dealers on here that work with Manheim know how good they are at getting title issues fixed? We just started buying with them and already have a title issue that needs fixed, and I'm sure there are more to come.


topic_name: Got an Ad for a debt consolidation and what a scam I hope no one falls for it
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qqrvln/got_an_ad_for_a_debt_consolidation_and_what_a/
collected_at: 2026-02-12T00:05:03.489425+00:00
autocomplete: []
selftext: Take 57 years to pay off $9k of debt lmao
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qqrvln", "score": 409, "num_comments": 44, "created_utc": 1769737303.0, "selftext": "Take 57 years to pay off $9k of debt lmao ", "sort": "top", "upvote_ratio": 0.98, "author": "Sixclynder"}


topic_name: Fake GEICO number- robbed $1100 but actually bought me insurance
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0a7zr/fake_geico_number_robbed_1100_but_actually_bought/
collected_at: 2026-02-12T00:05:08.886919+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0a7zr", "score": 6, "num_comments": 26, "created_utc": 1770657586.0, "selftext": "I needed homeowners for an elderly relative- her old company dumped her when her husband died.\n\nI googled GEICO Homeowners and got a number, i called the number,  and a nice man took all my info.\n\nI'd already tried to do it online so his questions line up exactly with the application.\n\n\\- yes, i want to bundle with the auto policy, and the quote came out the same.\n\nAll is good, time to pay- i'm putting the whole thing on my AMEX card.   He says something about TWO transaction and one will appear", "sort": "hot", "upvote_ratio": 0.59, "author": "SuddenlySilva"}

selftext:
I needed homeowners for an elderly relative- her old company dumped her when her husband died.

I googled GEICO Homeowners and got a number, i called the number,  and a nice man took all my info.

I'd already tried to do it online so his questions line up exactly with the application.

\- yes, i want to bundle with the auto policy, and the quote came out the same.

All is good, time to pay- i'm putting the whole thing on my AMEX card.   He says something about TWO transaction and one will appear


topic_name: [canada] Malware got discord account deleted
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qz5634/canada_malware_got_discord_account_deleted/
collected_at: 2026-02-12T00:05:12.359075+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qz5634", "score": 49, "num_comments": 24, "created_utc": 1770544939.0, "selftext": "Someone I haven't talked to in a while reached out on instagram to ask if I could playtest something. They've spoken about game development before, so it was a bit more convincing that way. But it had taken over my discord account and my google photos that had intimate pictures of me that they threatened to send to everyone. I pressed on it to see if they would and they hadn't, so whatever. But it sucks to lose my discord account when I was enthusiastic to help someone \"gametest\". Literally you ", "sort": "top", "upvote_ratio": 0.71, "author": "princessoftwiceland"}

selftext:
Someone I haven't talked to in a while reached out on instagram to ask if I could playtest something. They've spoken about game development before, so it was a bit more convincing that way. But it had taken over my discord account and my google photos that had intimate pictures of me that they threatened to send to everyone. I pressed on it to see if they would and they hadn't, so whatever. But it sucks to lose my discord account when I was enthusiastic to help someone "gametest". Literally you 


topic_name: I have to pay to get a receipt for the thing that I already paid for. (QR.io)
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889977+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1ocrl6s/i_have_to_pay_to_get_a_receipt_for_the_thing_that/

metadata:
{"subreddit": "assholedesign", "post_id": "1ocrl6s", "score": 382, "num_comments": 14, "created_utc": 1761086859.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "mikesbloggity"}


topic_name: Finlly, a place to post these screenshots 🤣
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qrrs6a/finlly_a_place_to_post_these_screenshots/
collected_at: 2026-02-12T00:05:26.020700+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qrrs6a", "score": 1270, "num_comments": 69, "created_utc": 1769831613.0, "selftext": "I sold this girl a purse on FB marketplace in 2017. She messages me four years later in 2021 asking if I will post on my FB page about her MLM. Note that we were not even FB friends and had no interaction in life other than that one marketplace sale. She messages me by name and asks me to do her that favor. When I said I was happy to do it for a fee, I was the one being ridiculous \ud83d\ude02 I never heard back!", "sort": "hot", "upvote_ratio": 1.0, "author": "Sealionfan"}

selftext:
I sold this girl a purse on FB marketplace in 2017. She messages me four years later in 2021 asking if I will post on my FB page about her MLM. Note that we were not even FB friends and had no interaction in life other than that one marketplace sale. She messages me by name and asks me to do her that favor. When I said I was happy to do it for a fee, I was the one being ridiculous 😂 I never heard back!


topic_name: I was in an accident, not sure how to approach insurance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1cifi/i_was_in_an_accident_not_sure_how_to_approach/
collected_at: 2026-02-12T00:05:44.256870+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1cifi", "score": 1, "num_comments": 11, "created_utc": 1770756069.0, "selftext": "I just got into an accident (in Colorado), we exchanged information, no injuries. We were both going straight, she turned in from a main road into the shopping center area and I was going straight from another direction. Neither of us had stop signs but my road was more like a parking lot and I wasn't paying great attention and hit her side. I got off the phone with geico and they are saying it's not my fault, and I got a claim letter that says the same. I have $1000 collision deductible. I'm no", "sort": "hot", "upvote_ratio": 1.0, "author": "ferbi303"}

selftext:
I just got into an accident (in Colorado), we exchanged information, no injuries. We were both going straight, she turned in from a main road into the shopping center area and I was going straight from another direction. Neither of us had stop signs but my road was more like a parking lot and I wasn't paying great attention and hit her side. I got off the phone with geico and they are saying it's not my fault, and I got a claim letter that says the same. I have $1000 collision deductible. I'm no


topic_name: Not at fault on our policy but at fault on the other
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qldcmw/not_at_fault_on_our_policy_but_at_fault_on_the/
collected_at: 2026-02-12T00:05:47.658559+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qldcmw", "score": 6, "num_comments": 34, "created_utc": 1769229211.0, "selftext": "Quick facts:\n\n\\- Wife was rear-ended by commercial truck with unlicensed driver who was cited for that and for driving recklessly.\n\n\\- Commercial policy (other driver) claimed my wife was at fault just because driver said she swerved in front of him (no evidence and not true).\n\n\\- Both policies are Progressive.\n\n\\- Our policy found us not at fault but we didn't have coverage for rental car.  Adjuster on my policy said 'go get a rental and the commercial policy (other driver) will pay for it once", "sort": "top", "upvote_ratio": 0.71, "author": "WantingVeryLittle"}

selftext:
Quick facts:

\- Wife was rear-ended by commercial truck with unlicensed driver who was cited for that and for driving recklessly.

\- Commercial policy (other driver) claimed my wife was at fault just because driver said she swerved in front of him (no evidence and not true).

\- Both policies are Progressive.

\- Our policy found us not at fault but we didn't have coverage for rental car.  Adjuster on my policy said 'go get a rental and the commercial policy (other driver) will pay for it once


topic_name: YouTube automatically playing shorts when reopening app.
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1ibmm7u/youtube_automatically_playing_shorts_when/
collected_at: 2026-02-12T00:05:53.366528+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1ibmm7u", "score": 35, "num_comments": 3, "created_utc": 1738018217.0, "selftext": "Here's a new annoying thing that YouTube is doing to generate more ad revenue for themselves. Each time I swap to another app, then swap back to YouTube it automatically begins playing shorts, even if I'm in the middle of watching a video already. Had anyone else noticed this?", "sort": "hot", "upvote_ratio": 0.97, "author": "f310n3L173"}

selftext:
Here's a new annoying thing that YouTube is doing to generate more ad revenue for themselves. Each time I swap to another app, then swap back to YouTube it automatically begins playing shorts, even if I'm in the middle of watching a video already. Had anyone else noticed this?


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qu2ato/this_website_looks_like_it_is_from_the_early/
collected_at: 2026-02-12T00:06:01.657138+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
This website looks like it is from the early 2000's, but if you can bare with it, OLT.com is legit free Federal taxes and 9.99 for state. My uncle worked for the IRS and recommended it to me years ago.

metadata:
{"subreddit": "Frugal", "post_id": "1qu2ato", "score": 213, "num_comments": 57, "created_utc": 1770055032.0, "selftext": "My uncle, who had worked for the IRS, turned me onto this website a few years ago for filing taxes. It looks out-dated, I know, but it takes you through the tax process in a very straight forward manner for free. They do charge 9.99 for state, but it is worth it and I have never been charged more than the 9.99 in my four years of filing with them. I just got mine done in about 20 minutes because it saves your info for the next year and felt like I needed to let everyone know about this. Save you", "sort": "hot", "upvote_ratio": 0.91, "author": "Dependent_Account203"}

selftext:
My uncle, who had worked for the IRS, turned me onto this website a few years ago for filing taxes. It looks out-dated, I know, but it takes you through the tax process in a very straight forward manner for free. They do charge 9.99 for state, but it is worth it and I have never been charged more than the 9.99 in my four years of filing with them. I just got mine done in about 20 minutes because it saves your info for the next year and felt like I needed to let everyone know about this. Save you


topic_name: What are the best frugal, nutrition dense foods to donate to homeless people?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qid24c/what_are_the_best_frugal_nutrition_dense_foods_to/
collected_at: 2026-02-12T00:06:05.044694+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qid24c", "score": 149, "num_comments": 124, "created_utc": 1768942160.0, "selftext": "I was thinking about what the best foods are to donate to homeless people. Not necessarily just shelters, but also for individuals. Like what would be nutrition dense, but also have long shelf life, and be easy to prepare for someone who doesn\u2019t have equipment or a kitchen, and also be lightweight to carry with them if they have to move around. Ideally, they\u2019d also be frugal to help more people out.\n\nAny ideas?", "sort": "top", "upvote_ratio": 0.84, "author": "Gloomy_Nebula_5138"}

selftext:
I was thinking about what the best foods are to donate to homeless people. Not necessarily just shelters, but also for individuals. Like what would be nutrition dense, but also have long shelf life, and be easy to prepare for someone who doesn’t have equipment or a kitchen, and also be lightweight to carry with them if they have to move around. Ideally, they’d also be frugal to help more people out.

Any ideas?


topic_name: Credit Card Recommendations for International Student in USA??
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1ig1m/credit_card_recommendations_for_international/
collected_at: 2026-02-12T00:06:10.588097+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1ig1m", "score": 2, "num_comments": 6, "created_utc": 1770769983.0, "selftext": "I am an international student in the USA who spends almost all their money on dining/groceries and international travel. I want a card that has good cash back on both categories and does not have any foreign transaction fees (and is just accepted by other countries in general). I was looking at the Discover It card because it has the highest cash back (5%) compared to other student cards, but it is for rotating categories which includes gas and I do not drive. I am also jsut unclear what rotatin", "sort": "hot", "upvote_ratio": 1.0, "author": "Amy_dunne34820"}

selftext:
I am an international student in the USA who spends almost all their money on dining/groceries and international travel. I want a card that has good cash back on both categories and does not have any foreign transaction fees (and is just accepted by other countries in general). I was looking at the Discover It card because it has the highest cash back (5%) compared to other student cards, but it is for rotating categories which includes gas and I do not drive. I am also jsut unclear what rotatin


