# trend_items

topic_name: What a daughter who never lets her father rest easy.#edit #shorts #movieedits #shortsviral
source: youtube
region: CA
url: https://youtube.com/watch?v=SZuSbvymtLQ
collected_at: 2026-02-12T00:04:31.506184
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "SZuSbvymtLQ", "channel": "Shannon Terris", "category": "Entertainment", "category_id": 24, "views": "10614038", "view_count": 10614038, "likes": "637994", "published_at": "2026-02-05T06:05:58Z"}


topic_name: 6.875% interest rate, extra principle, refi, invest?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814860+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r27izi/6875_interest_rate_extra_principle_refi_invest/

metadata:
{"subreddit": "personalfinance", "post_id": "1r27izi", "score": 2, "num_comments": 14, "created_utc": 1770839274.0, "selftext": "While saving to buy this house (july 25) we put our money into an HYSA and missed out on some huge stock gains from 21 -25, oh well, hindsight and all. But now that we are in and rates look like they are trending down im trying to figure out where to put the extra 2k or so a month we have. \n\nWe dont think we will stay in this house longer than 5 years. With that in mind would you:\n\nTry and refi now, we could afford to switch to a 15 year but will obviously have some costs added to the loan. Curr", "sort": "hot", "upvote_ratio": 0.75, "author": "fermentedeggs"}

selftext:
While saving to buy this house (july 25) we put our money into an HYSA and missed out on some huge stock gains from 21 -25, oh well, hindsight and all. But now that we are in and rates look like they are trending down im trying to figure out where to put the extra 2k or so a month we have. 

We dont think we will stay in this house longer than 5 years. With that in mind would you:

Try and refi now, we could afford to switch to a 15 year but will obviously have some costs added to the loan. Curr


topic_name: Price on a 2024 Outback Wilderness
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1dkuq/price_on_a_2024_outback_wilderness/
collected_at: 2026-02-12T00:04:50.635692+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1dkuq", "score": 2, "num_comments": 4, "created_utc": 1770758419.0, "selftext": "Location: NC\n\nI was hoping to get a fair \u201creal\u201d OTD price range for a 2024 Outback Wilderness, specifically good condition, 50k miles or less\n\nI was having some trouble searching and finding wilderness trims and figuring out the full OTD price\n\nWas hoping someone here might have some recent sales data or maybe recently sold one and could share the approximate OTD price even if it\u2019s just a rough estimate \n\nTrying to both replace my totaled car and be prepared for dealing with the insurance of the", "sort": "hot", "upvote_ratio": 0.76, "author": "Acceptable_Ad1685"}

selftext:
Location: NC

I was hoping to get a fair “real” OTD price range for a 2024 Outback Wilderness, specifically good condition, 50k miles or less

I was having some trouble searching and finding wilderness trims and figuring out the full OTD price

Was hoping someone here might have some recent sales data or maybe recently sold one and could share the approximate OTD price even if it’s just a rough estimate 

Trying to both replace my totaled car and be prepared for dealing with the insurance of the


topic_name: Can they keep my down payment
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qwij74/can_they_keep_my_down_payment/
collected_at: 2026-02-12T00:04:53.860272+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qwij74", "score": 29, "num_comments": 19, "created_utc": 1770289916.0, "selftext": "So I purchased a used car in Indiana near Hammond, $2,700 everything seemingly went smoothly bank approved a huge apr rate, I signed off and got the car. I drove the car home , received a welcome call from the finance bank, not 10 minutes later. The lot calls me back says they cannot finance that vehicle because it has accident history. The lot claims they can put me in better car and to bring the car I got yesterday back this morning. \n\nThat rubbed me the wrong way and now I don\u2019t wanna did any", "sort": "top", "upvote_ratio": 0.83, "author": "ExoticSwordfish4512"}

selftext:
So I purchased a used car in Indiana near Hammond, $2,700 everything seemingly went smoothly bank approved a huge apr rate, I signed off and got the car. I drove the car home , received a welcome call from the finance bank, not 10 minutes later. The lot calls me back says they cannot finance that vehicle because it has accident history. The lot claims they can put me in better car and to bring the car I got yesterday back this morning. 

That rubbed me the wrong way and now I don’t wanna did any


topic_name: Immediate financial support for unexpected bills?
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457454+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r2a0nu/immediate_financial_support_for_unexpected_bills/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r2a0nu", "score": 0, "num_comments": 7, "created_utc": 1770844852.0, "selftext": "I got paid this past Friday (so not even a week ago) and already have only 17 dollars to my name. My other job doesn't pay me until next Friday (so not this week, but the one after), but I still have to pay for stuff like the bus, food, etc. I don't know how to drive. Employment will not work because I have 2 jobs already and I need some way to make something as soon as possible so I don't sit with nothing to my name while I wait to get paid. Any suggestions? \n\nI am planning on donating plasma t", "sort": "hot", "upvote_ratio": 0.5, "author": "AUserNameOr2"}

selftext:
I got paid this past Friday (so not even a week ago) and already have only 17 dollars to my name. My other job doesn't pay me until next Friday (so not this week, but the one after), but I still have to pay for stuff like the bus, food, etc. I don't know how to drive. Employment will not work because I have 2 jobs already and I need some way to make something as soon as possible so I don't sit with nothing to my name while I wait to get paid. Any suggestions? 

I am planning on donating plasma t


topic_name: Still feel broke
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qkafr8/still_feel_broke/
collected_at: 2026-02-12T00:05:03.489213+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qkafr8", "score": 1535, "num_comments": 186, "created_utc": 1769124726.0, "selftext": "Welp. I got my official w2 for the year. 62,000. I'm shook. Im 32. Raising two teenagers. This is the most money I've ever made in my life. Got socked with a mortgage increase, escrow shortage, and health insurance increase. Total increase of everything: $450/month. We already love as frugal as we can. Total monthly bills after everything: $3600. That gives us roughly $800 for a family of 4 for food, gas, groceries. I travel far for work about 40 miles every day so I spend a lot in gas. Barley a", "sort": "top", "upvote_ratio": 0.94, "author": "mswitty29"}

selftext:
Welp. I got my official w2 for the year. 62,000. I'm shook. Im 32. Raising two teenagers. This is the most money I've ever made in my life. Got socked with a mortgage increase, escrow shortage, and health insurance increase. Total increase of everything: $450/month. We already love as frugal as we can. Total monthly bills after everything: $3600. That gives us roughly $800 for a family of 4 for food, gas, groceries. I travel far for work about 40 miles every day so I spend a lot in gas. Barley a


topic_name: [UK] Possible scam my family has gotten roped into against our will?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r12qxv/uk_possible_scam_my_family_has_gotten_roped_into/
collected_at: 2026-02-12T00:05:08.886666+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r12qxv", "score": 139, "num_comments": 55, "created_utc": 1770734967.0, "selftext": "It might be a bit early, but I need the help of this subreddit because I suspect this may be a scam. Is it?\n \nEarlier today, while my dad was eating lunch (he works from home), a man apparently showed up at the front door. According to my dad, this man talked very quickly so he didn't exactly hear what he was saying, but he was able to make out the man talking about \"putting it in writing\". He then set up a ladder against our house's front wall and tore a couple of roof tiles off, apparently to ", "sort": "hot", "upvote_ratio": 0.95, "author": "WokemasterUltimate"}

selftext:
It might be a bit early, but I need the help of this subreddit because I suspect this may be a scam. Is it?
 
Earlier today, while my dad was eating lunch (he works from home), a man apparently showed up at the front door. According to my dad, this man talked very quickly so he didn't exactly hear what he was saying, but he was able to make out the man talking about "putting it in writing". He then set up a ladder against our house's front wall and tore a couple of roof tiles off, apparently to 


topic_name: [US] I just fell for a phone scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qrpc0y/us_i_just_fell_for_a_phone_scam/
collected_at: 2026-02-12T00:05:12.358858+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qrpc0y", "score": 252, "num_comments": 66, "created_utc": 1769824919.0, "selftext": "I'm so mad at myself. Just the other day, I was thinking how vigilant I am about scams...\n\nI have a relative who was jailed today. We were expecting her to be granted release the same day so I was waiting for a call from the jail notifying me of the judge's decision. I received a call from someone claiming to be from the Sheriff's Department who knew her name and charges. They said she was approved for release subject to paying some fines (Yes, I know how that sounds now...).\n\nThey tried to take", "sort": "top", "upvote_ratio": 0.92, "author": "imkindalikeme"}

selftext:
I'm so mad at myself. Just the other day, I was thinking how vigilant I am about scams...

I have a relative who was jailed today. We were expecting her to be granted release the same day so I was waiting for a call from the jail notifying me of the judge's decision. I received a call from someone claiming to be from the Sheriff's Department who knew her name and charges. They said she was approved for release subject to paying some fines (Yes, I know how that sounds now...).

They tried to take


topic_name: Spotify Moves Features we already had to a new 'Platinum Premium' Subscription
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1q8g00l/spotify_moves_features_we_already_had_to_a_new/
collected_at: 2026-02-12T00:05:17.889739+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1q8g00l", "score": 1694, "num_comments": 185, "created_utc": 1767982957.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "AnonomousWolf"}


topic_name: Blind leading the blind.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qzftfb/blind_leading_the_blind/
collected_at: 2026-02-12T00:05:26.020466+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qzftfb", "score": 119, "num_comments": 35, "created_utc": 1770573588.0, "selftext": "Red is blue's upline.  I had recently asked Red, \"why aren't you a millionaire yet?\" after she was bragging about network marketing being the only industry to have self made millionaires.  She blocked me, of course.  ", "sort": "hot", "upvote_ratio": 0.99, "author": "odoyle66"}

selftext:
Red is blue's upline.  I had recently asked Red, "why aren't you a millionaire yet?" after she was bragging about network marketing being the only industry to have self made millionaires.  She blocked me, of course.  


topic_name: why is insurance more expensive for my beater honda than my almost brand new sports car?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r26zs0/why_is_insurance_more_expensive_for_my_beater/
collected_at: 2026-02-12T00:05:44.256631+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r26zs0", "score": 0, "num_comments": 5, "created_utc": 1770838095.0, "selftext": "so i bought a beater honda to daily drive and make my sports car a weekend driver. i have a 2023 supra. that car i pay $1797/6 months. I looked into adding my new purchase, a 2014 honda civic with 130k miles, and it bumped the premium to around $3070/6 months. what confuses me is the breakdown of the premium. the 6 month premium on the supra is 1400/6 months whereas the honda civic is 1600/6 months. why is that? i am the riskiest demographic to insure sports cars to (young male, single, one tick", "sort": "hot", "upvote_ratio": 0.33, "author": "79QUATTRO"}

selftext:
so i bought a beater honda to daily drive and make my sports car a weekend driver. i have a 2023 supra. that car i pay $1797/6 months. I looked into adding my new purchase, a 2014 honda civic with 130k miles, and it bumped the premium to around $3070/6 months. what confuses me is the breakdown of the premium. the 6 month premium on the supra is 1400/6 months whereas the honda civic is 1600/6 months. why is that? i am the riskiest demographic to insure sports cars to (young male, single, one tick


topic_name: Progressive forcing me to scrap my car
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qnk8ej/progressive_forcing_me_to_scrap_my_car/
collected_at: 2026-02-12T00:05:47.658344+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qnk8ej", "score": 30, "num_comments": 46, "created_utc": 1769443714.0, "selftext": "I need help with dealing with an insurance company that wants to scrap my car against my will. The cars has already been repaired and released to me and few weeks later insurance called me and stated that they want the car back and they will scrap it because they made a mistake in calculations of repair value versus car value. Would you be able to help me with that?", "sort": "top", "upvote_ratio": 0.86, "author": "DifficultRebirth"}

selftext:
I need help with dealing with an insurance company that wants to scrap my car against my will. The cars has already been repaired and released to me and few weeks later insurance called me and stated that they want the car back and they will scrap it because they made a mistake in calculations of repair value versus car value. Would you be able to help me with that?


topic_name: Dark patterns in Klarna’s refund experience
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qj2kmq/dark_patterns_in_klarnas_refund_experience/
collected_at: 2026-02-12T00:05:53.366290+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qj2kmq", "score": 53, "num_comments": 1, "created_utc": 1769012943.0, "selftext": "I recently received a refund from Airbnb that was processed through Klarna, and the experience felt like a small masterclass in how to design it in the darkest way possible. \n\nI was presented with a \"choice\" of how the money should be returned, where the default option, and the one it was far too easy to confirm by pressing OK, was to have the amount transferred to my Klarna balance.\n\nDespite the wording being incredibly misleading, I eventually realized that I had to click the button labeled \"N", "sort": "hot", "upvote_ratio": 0.98, "author": "Prior_Employee_57"}

selftext:
I recently received a refund from Airbnb that was processed through Klarna, and the experience felt like a small masterclass in how to design it in the darkest way possible. 

I was presented with a "choice" of how the money should be returned, where the default option, and the one it was far too easy to confirm by pressing OK, was to have the amount transferred to my Klarna balance.

Despite the wording being incredibly misleading, I eventually realized that I had to click the button labeled "N


topic_name: Things to do other than shop when the weather is bad and you want to get out of the house.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qzbelf/things_to_do_other_than_shop_when_the_weather_is/
collected_at: 2026-02-12T00:06:01.656901+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qzbelf", "score": 568, "num_comments": 251, "created_utc": 1770563595.0, "selftext": "TLDR Where can I go when the weather is bad or it's dark outside, other than parks and the library, where I won't be tempted to spend money when I'm experiencing cabin fever from working at home. \n\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\nI work from home and often go days without leaving the house - sometimes a full week. \ud83d\ude43 \n\nAt that point, I find myself going to stores because it's the only other place to go, and I just want to go somewhere ", "sort": "hot", "upvote_ratio": 0.95, "author": "greatexpectations23"}

selftext:
TLDR Where can I go when the weather is bad or it's dark outside, other than parks and the library, where I won't be tempted to spend money when I'm experiencing cabin fever from working at home. 

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

I work from home and often go days without leaving the house - sometimes a full week. 🙃 

At that point, I find myself going to stores because it's the only other place to go, and I just want to go somewhere 


topic_name: AMEX Gold is it worth it for my situation?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2b0rv/amex_gold_is_it_worth_it_for_my_situation/
collected_at: 2026-02-12T00:06:10.587856+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2b0rv", "score": 0, "num_comments": 6, "created_utc": 1770847153.0, "selftext": "First time poster, long time lurker. Many assistance for the cards I have now from this sub and value this subs feedback. \n\nTrying to gauge if AMEX Gold is worth it for me\u2026. Very conflicted. I have a 100k point offer now. \n\nBut here is my current layout. \n\nBCP\n\n\\- streaming (YouTube tv, Spotify, Hulu Disney espn bundle credit, Netflix) - pays for annual fee alone \n\n\\- 6% back on groceries .. cap 6k hurts. \n\n\\-3% back on transit - uber/ ezpass \n\n\\-1% everyday purchases- main card \n\nCostco - mainl", "sort": "hot", "upvote_ratio": 0.33, "author": "BakerHistorical9583"}

selftext:
First time poster, long time lurker. Many assistance for the cards I have now from this sub and value this subs feedback. 

Trying to gauge if AMEX Gold is worth it for me…. Very conflicted. I have a 100k point offer now. 

But here is my current layout. 

BCP

\- streaming (YouTube tv, Spotify, Hulu Disney espn bundle credit, Netflix) - pays for annual fee alone 

\- 6% back on groceries .. cap 6k hurts. 

\-3% back on transit - uber/ ezpass 

\-1% everyday purchases- main card 

Costco - mainl


topic_name: Is it time to go team cash back and chill for a bit?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r090nm/is_it_time_to_go_team_cash_back_and_chill_for_a/
collected_at: 2026-02-12T00:06:13.782064+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r090nm", "score": 156, "num_comments": 76, "created_utc": 1770655022.0, "selftext": "Lowkey inspired by that guy who cashed out 750k UR points. \n\nI went through a review of all my points holdings and saw I had 300k UR, 100k Hilton, and 100k C1 just sitting there. Don\u2019t really have any redemptions directly in mind, of course my PTO being the greater constraint; but I do have a bucket list of places (mostly a long Asia trip).\n\nThe main thing is that I\u2019m just sitting on what would be $4000 of points and they\u2019re losing value to inflation. It should be enough for any travel desire th", "sort": "top", "upvote_ratio": 0.94, "author": "InterpolInvestigator"}

selftext:
Lowkey inspired by that guy who cashed out 750k UR points. 

I went through a review of all my points holdings and saw I had 300k UR, 100k Hilton, and 100k C1 just sitting there. Don’t really have any redemptions directly in mind, of course my PTO being the greater constraint; but I do have a bucket list of places (mostly a long Asia trip).

The main thing is that I’m just sitting on what would be $4000 of points and they’re losing value to inflation. It should be enough for any travel desire th


topic_name: What kind of lawyer do I need?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r29mm0/what_kind_of_lawyer_do_i_need/
collected_at: 2026-02-12T00:06:18.920835+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r29mm0", "score": 2, "num_comments": 3, "created_utc": 1770843972.0, "selftext": "I\u2019m looking for a lawyer for my family we own land out Texas that is being drilled on, we own the rights and minerals! They have been drilling and pulling oil and fuel without pay to us. Location: (Brazoria, Texas)", "sort": "hot", "upvote_ratio": 0.76, "author": "Azbufkin"}

selftext:
I’m looking for a lawyer for my family we own land out Texas that is being drilled on, we own the rights and minerals! They have been drilling and pulling oil and fuel without pay to us. Location: (Brazoria, Texas)


topic_name: Soon-to-be ex-wife won’t let me keep the house, even if I buy out her equity.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qi4h02/soontobe_exwife_wont_let_me_keep_the_house_even/
collected_at: 2026-02-12T00:06:22.356498+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qi4h02", "score": 1513, "num_comments": 77, "created_utc": 1768923754.0, "selftext": "Location: Indiana, USA\n\nMy wife (28F) and I (31M) have been married for five years. We have a two-year-old daughter together, and we purchased a house less than two years ago.\n\nAfter our daughter was born, my wife became a SAHM for a year before returning to work in July 2025. We send our daughter to daycare at my mom\u2019s house, and we pay her $1,000 a month to take care of her.\n\nMy wife hated being a SAHM mainly because we were living paycheck to paycheck on my single income. She didn\u2019t want me t", "sort": "top", "upvote_ratio": 0.91, "author": "koolllG_uy1911"}

selftext:
Location: Indiana, USA

My wife (28F) and I (31M) have been married for five years. We have a two-year-old daughter together, and we purchased a house less than two years ago.

After our daughter was born, my wife became a SAHM for a year before returning to work in July 2025. We send our daughter to daycare at my mom’s house, and we pay her $1,000 a month to take care of her.

My wife hated being a SAHM mainly because we were living paycheck to paycheck on my single income. She didn’t want me t


topic_name: LPT: Stop storing things where they “make sense” and put them where you actually look for them
source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286014+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qxgrol/lpt_stop_storing_things_where_they_make_sense_and/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qxgrol", "score": 1308, "num_comments": 120, "created_utc": 1770382263.0, "selftext": "I used to lose the same few items over and over again, keys, scissors, tape, that one charger I  always need. I kept moving them to places that felt logical. Drawer for tools, hook for keys, box for cables. And I kept forgetting where they were. What finally clicked for me was noticing where I \\*instinctively\\* went to look for them when they were missing. Not where they should be,  but where my brain expected them to be in a rush. \n\nSo I stopped fighting that instinct. If I always looked for my", "sort": "hot", "upvote_ratio": 0.89, "author": "peter_wainscott"}

selftext:
I used to lose the same few items over and over again, keys, scissors, tape, that one charger I  always need. I kept moving them to places that felt logical. Drawer for tools, hook for keys, box for cables. And I kept forgetting where they were. What finally clicked for me was noticing where I \*instinctively\* went to look for them when they were missing. Not where they should be,  but where my brain expected them to be in a rush. 

So I stopped fighting that instinct. If I always looked for my


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qd7qth/lpt_after_someone_hosts_you_send_a_next_day/
collected_at: 2026-02-12T00:06:31.302096+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT - After someone hosts you, send a next day message that names one specific moment you enjoyed. Not a generic thanks.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qd7qth", "score": 3950, "num_comments": 77, "created_utc": 1768445390.0, "selftext": "I used to send a simple, thanks for having me. It is polite, but it feels forgettable.\n\nNow I send a next day message with one specific detail. \n\nExample: \n\nThanks again for last night. I really enjoyed the part when we all sat in the kitchen and laughed about those old stories. That was a good night.\n\nIt takes 20 seconds. It makes people feel seen. And it makes it much more likely they will invite you again.\n\nA specific thank you builds real connection fast.", "sort": "top", "upvote_ratio": 0.95, "author": "hjf25"}

selftext:
I used to send a simple, thanks for having me. It is polite, but it feels forgettable.

Now I send a next day message with one specific detail. 

Example: 

Thanks again for last night. I really enjoyed the part when we all sat in the kitchen and laughed about those old stories. That was a good night.

It takes 20 seconds. It makes people feel seen. And it makes it much more likely they will invite you again.

A specific thank you builds real connection fast.


topic_name: After 15+ years, my Swiss Gear Wenger backpack is still going strong
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r11mh3/after_15_years_my_swiss_gear_wenger_backpack_is/
collected_at: 2026-02-12T00:06:36.789646+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r11mh3", "score": 113, "num_comments": 35, "created_utc": 1770732303.0, "selftext": "I bought this Swiss Gear Wenger bag back in 2010, and it\u2019s been my daily carry ever since. Over 15+ years, it\u2019s been through all my travels, daily chaos, and everything in between, and it\u2019s still fully functional. I genuinely love this bag.\n\nJust came back from a trip and\u2026 yep, it\u2019s damn dirty \ud83d\ude05.\n\nNow I\u2019m thinking about getting a new one. Part of me wants to get the same bag again because I know it works perfectly, but I\u2019m also tempted to try something new.\n\nFor those who\u2019ve gone through this di", "sort": "hot", "upvote_ratio": 0.97, "author": "Tris_Memba"}

selftext:
I bought this Swiss Gear Wenger bag back in 2010, and it’s been my daily carry ever since. Over 15+ years, it’s been through all my travels, daily chaos, and everything in between, and it’s still fully functional. I genuinely love this bag.

Just came back from a trip and… yep, it’s damn dirty 😅.

Now I’m thinking about getting a new one. Part of me wants to get the same bag again because I know it works perfectly, but I’m also tempted to try something new.

For those who’ve gone through this di


topic_name: thought l.l. bean was the holy grail of fisherman sweaters, but... are they not?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qotes5/thought_ll_bean_was_the_holy_grail_of_fisherman/
collected_at: 2026-02-12T00:06:40.492225+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qotes5", "score": 1308, "num_comments": 536, "created_utc": 1769554180.0, "selftext": "last year, i decided i wanted l.l. bean's [signature cotton fisherman sweater](https://www.llbean.com/llb/shop/121352?page=mens-cotton-fisherman-crewneck-sweater-mens-regular&amp;bc=32-516686-298-518081&amp;feat=518081-GN3&amp;csp=a&amp;attrValue_0=1155&amp;pos=5).  was under the impression these were the holy grail of cable knit fisherman sweaters.\n\nbut i've been diving deep into sweater research this year, and...  am i correct in thinking these are nice, but aren't actually true to form?  if i", "sort": "top", "upvote_ratio": 0.93, "author": "europeanuppercut"}

selftext:
last year, i decided i wanted l.l. bean's [signature cotton fisherman sweater](https://www.llbean.com/llb/shop/121352?page=mens-cotton-fisherman-crewneck-sweater-mens-regular&amp;bc=32-516686-298-518081&amp;feat=518081-GN3&amp;csp=a&amp;attrValue_0=1155&amp;pos=5).  was under the impression these were the holy grail of cable knit fisherman sweaters.

but i've been diving deep into sweater research this year, and...  am i correct in thinking these are nice, but aren't actually true to form?  if i


topic_name: Can I pull the trigger to be SAHD? $3.7M, $190k current spend
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000002+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qvpkbb/can_i_pull_the_trigger_to_be_sahd_37m_190k/

metadata:
{"subreddit": "financialindependence", "post_id": "1qvpkbb", "score": 0, "num_comments": 71, "created_utc": 1770214248.0, "selftext": "I'd like a sanity check on whether I can pull the trigger (throwaway for obvious reasons). My plan is to become a SAHD once the eldest begins Kindergarten (August). I HATE my job, the SAHD aspect is more to justify to my wife than myself - although, I think it will take a lot of load off of both of us since we both have stressful jobs.\n\n\n\n**Personal**: M (43), F (40), two kids aged 4 and 2\n\n\n\n**Assets**:\n\n  \nPost tax investment: $2.4M\n\n  \nPost tax bonds: $200k\n\n  \nPre tax investments: 1.6M\n\n  \n*", "sort": "hot", "upvote_ratio": 0.37, "author": "throwawayfiresahd"}

selftext:
I'd like a sanity check on whether I can pull the trigger (throwaway for obvious reasons). My plan is to become a SAHD once the eldest begins Kindergarten (August). I HATE my job, the SAHD aspect is more to justify to my wife than myself - although, I think it will take a lot of load off of both of us since we both have stressful jobs.



**Personal**: M (43), F (40), two kids aged 4 and 2



**Assets**:

  
Post tax investment: $2.4M

  
Post tax bonds: $200k

  
Pre tax investments: 1.6M

  
*


topic_name: What are the risks and consequences of ZeroDayRAT malware, and how can users protect themselves?
source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397199+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
metadata:
{"original_headline": "ZeroDayRAT malware grants full access to Android, iOS devices - BleepingComputer", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: IVE 아이브 'BANG BANG' MV
source: youtube
region: US
url: https://youtube.com/watch?v=9qkpcLK422o
collected_at: 2026-02-12T00:04:30.653207
autocomplete: []
category: Music
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "9qkpcLK422o", "channel": "STARSHIP", "category": "Music", "category_id": 10, "views": "7811095", "view_count": 7811095, "likes": "318458", "published_at": "2026-02-09T09:01:11Z"}


topic_name: What to do about cash savings
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2dcp1/what_to_do_about_cash_savings/
collected_at: 2026-02-12T00:04:41.814865+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2dcp1", "score": 1, "num_comments": 5, "created_utc": 1770852643.0, "selftext": "Half of my assets are in a HYSA with an APY that has ranged 3.35%-4% the last few years. Low 6 figures. \n\nI\u2019m realizing I could be getting better gains in the stock market. Obviously, that comes with risks that you don\u2019t have in a HYSA. \n\nShould I slowly transfer money into ETFs (say $10k a month until I\u2019ve maxed out what I\u2019m comfortable removing from savings) or all at once?", "sort": "hot", "upvote_ratio": 1.0, "author": "Tiny-Brilliant1431"}

selftext:
Half of my assets are in a HYSA with an APY that has ranged 3.35%-4% the last few years. Low 6 figures. 

I’m realizing I could be getting better gains in the stock market. Obviously, that comes with risks that you don’t have in a HYSA. 

Should I slowly transfer money into ETFs (say $10k a month until I’ve maxed out what I’m comfortable removing from savings) or all at once?


topic_name: Dealership advertised my trade-in but hasn’t paid my equity — is this normal / legal? (Utah)
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1fihy/dealership_advertised_my_tradein_but_hasnt_paid/
collected_at: 2026-02-12T00:04:50.635697+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1fihy", "score": 0, "num_comments": 9, "created_utc": 1770762836.0, "selftext": "Looking for advice on whether this is normal or if I should be escalating.\n\nI\u2019m in **Utah**. I traded in my truck to a dealership about **2 weeks ago**.  \nDetails:\n\n* Trade-in value: **$25,000**\n* Lien payoff: **$14,811**\n* Equity owed to me: **\\~$10,189**\n* Clean title\n* Same dealership transaction\n\nI also purchased a vehicle from the same dealership with **$0 down**, specifically because I was told my trade-in equity would be paid out within **3 days**.\n\nSince then:\n\n* The **lien has been paid", "sort": "hot", "upvote_ratio": 0.45, "author": "Cold_Possession9350"}

selftext:
Looking for advice on whether this is normal or if I should be escalating.

I’m in **Utah**. I traded in my truck to a dealership about **2 weeks ago**.  
Details:

* Trade-in value: **$25,000**
* Lien payoff: **$14,811**
* Equity owed to me: **\~$10,189**
* Clean title
* Same dealership transaction

I also purchased a vehicle from the same dealership with **$0 down**, specifically because I was told my trade-in equity would be paid out within **3 days**.

Since then:

* The **lien has been paid


topic_name: Powersports dealer price match drama
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qswxh6/powersports_dealer_price_match_drama/
collected_at: 2026-02-12T00:04:53.860278+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qswxh6", "score": 29, "num_comments": 66, "created_utc": 1769948058.0, "selftext": "Hey guys,\n\nI\u2019ve bought about 6 bikes in my lifetime (the past two years i\u2019ve been riding). Typically, I search for the best price on dealer websites across the nation and try to get someone local to match it. I live in Tennessee.\n\nSometimes I find OTD prices below invoice, for example I tried to purchase a GSXR new today at my local dealer after being told they\u2019d price match a dealer in a state nearby. I spent 3 hours in my local dealers showroom waiting for a breakdown from out of state so my l", "sort": "top", "upvote_ratio": 0.68, "author": "Shot_Pollution4295"}

selftext:
Hey guys,

I’ve bought about 6 bikes in my lifetime (the past two years i’ve been riding). Typically, I search for the best price on dealer websites across the nation and try to get someone local to match it. I live in Tennessee.

Sometimes I find OTD prices below invoice, for example I tried to purchase a GSXR new today at my local dealer after being told they’d price match a dealer in a state nearby. I spent 3 hours in my local dealers showroom waiting for a breakdown from out of state so my l


topic_name: What habits or life choices make it hard to escape poverty despite working hard?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r182d3/what_habits_or_life_choices_make_it_hard_to/
collected_at: 2026-02-12T00:04:59.457458+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r182d3", "score": 105, "num_comments": 119, "created_utc": 1770746574.0, "selftext": "I\u2019m asking this to learn from real-life experiences. Many people work hard and still struggle financially, and I want to understand which habits or life choices tend to hold people back.\n\nI\u2019m especially interested in honest, practical examples and lessons that others have learned over time.\n", "sort": "hot", "upvote_ratio": 0.91, "author": "Miserable_Outcome740"}

selftext:
I’m asking this to learn from real-life experiences. Many people work hard and still struggle financially, and I want to understand which habits or life choices tend to hold people back.

I’m especially interested in honest, practical examples and lessons that others have learned over time.


topic_name: The math doesn’t add up
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qnuqfx/the_math_doesnt_add_up/
collected_at: 2026-02-12T00:05:03.489217+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qnuqfx", "score": 1537, "num_comments": 575, "created_utc": 1769465409.0, "selftext": "Rent is supposed to be 30% of your income, right?\n\nSo if you make $2,600 a month your rent should be no more than $780. Already not realistic for Northern New Jersey.\n\nApartment from rent, here are my set expenses.\n\nCar insurance averages $365 a month.\n\nCell phone $80 a month.\n\nLife insurance is about $100 a month.\n\nGas currently with my commute to work is about $200.\n\nGroceries on a strict budget is $200 a month.\n\nSo.\n\nNon-negotiable expenses are at 1,050 WITHOUT RENT AND WITHOUT UTILITIES.\n\nIf", "sort": "top", "upvote_ratio": 0.94, "author": "SigridTheVictorious"}

selftext:
Rent is supposed to be 30% of your income, right?

So if you make $2,600 a month your rent should be no more than $780. Already not realistic for Northern New Jersey.

Apartment from rent, here are my set expenses.

Car insurance averages $365 a month.

Cell phone $80 a month.

Life insurance is about $100 a month.

Gas currently with my commute to work is about $200.

Groceries on a strict budget is $200 a month.

So.

Non-negotiable expenses are at 1,050 WITHOUT RENT AND WITHOUT UTILITIES.

If


topic_name: Rescue ANIMALS USA — staged animal‑distress videos, Vietnamese text, claims to be in Texas
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1m6ud/rescue_animals_usa_staged_animaldistress_videos/
collected_at: 2026-02-12T00:05:08.886670+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1m6ud", "score": 12, "num_comments": 6, "created_utc": 1770780000.0, "selftext": "I came across a Facebook page called **Rescue ANIMALS USA** that posts constant videos of animals\u2014mostly kittens\u2014in extreme distress. The page claims to be based in Texas, but several things immediately raised red flags.\n\nThe environments shown in the videos don\u2019t resemble Texas at all, and much of the visible text in the footage is in **Vietnamese**, not English. The \u201crescues\u201d themselves look staged and repetitive, as if the same scenarios are being recreated over and over to generate emotional", "sort": "hot", "upvote_ratio": 0.81, "author": "Glum-Car-1580"}

selftext:
I came across a Facebook page called **Rescue ANIMALS USA** that posts constant videos of animals—mostly kittens—in extreme distress. The page claims to be based in Texas, but several things immediately raised red flags.

The environments shown in the videos don’t resemble Texas at all, and much of the visible text in the footage is in **Vietnamese**, not English. The “rescues” themselves look staged and repetitive, as if the same scenarios are being recreated over and over to generate emotional


topic_name: [US] My mom is deeply involved in a celebrity scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qr4tz0/us_my_mom_is_deeply_involved_in_a_celebrity_scam/
collected_at: 2026-02-12T00:05:12.358861+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qr4tz0", "score": 222, "num_comments": 118, "created_utc": 1769778086.0, "selftext": "My mom \\[66\\] behavior has changed over two years for the worst. She called me two years ago and told me that she is talking to Chris Brown. She said she met up with him and his manager at a hotel. It was so weird. I kept questioning her and she would get defensive.\n\nThere\u2019s so much so I will make it quick. Anyway she told me about arguments and how his management takes most of his money. I said DO NOT GIVE THIS SCAMMER ANYTHING. She said she already told him no\u2026 anyway she said drop the convo a", "sort": "top", "upvote_ratio": 0.92, "author": "CulturalBat5906"}

selftext:
My mom \[66\] behavior has changed over two years for the worst. She called me two years ago and told me that she is talking to Chris Brown. She said she met up with him and his manager at a hotel. It was so weird. I kept questioning her and she would get defensive.

There’s so much so I will make it quick. Anyway she told me about arguments and how his management takes most of his money. I said DO NOT GIVE THIS SCAMMER ANYTHING. She said she already told him no… anyway she said drop the convo a


topic_name: Paying a “digital delivery fee” for a rented PDF textbook 🤨
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1q7dyf0/paying_a_digital_delivery_fee_for_a_rented_pdf/
collected_at: 2026-02-12T00:05:17.889744+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1q7dyf0", "score": 5497, "num_comments": 136, "created_utc": 1767884336.0, "selftext": "Rented a digital textbook for one of my college classes \u2014 just a PDF with online access for 180 days. No shipping, nothing physical.\n\nSomehow there\u2019s still a $5.99 \u201cdigital delivery fee\u201d on top of the $57.99 price. I genuinely don\u2019t understand what\u2019s being delivered here.", "sort": "hot", "upvote_ratio": 0.99, "author": "Afton_0077"}

selftext:
Rented a digital textbook for one of my college classes — just a PDF with online access for 180 days. No shipping, nothing physical.

Somehow there’s still a $5.99 “digital delivery fee” on top of the $57.99 price. I genuinely don’t understand what’s being delivered here.


topic_name: The claim, and the ‘scriptures’ to ‘back it up.’
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qzn077/the_claim_and_the_scriptures_to_back_it_up/
collected_at: 2026-02-12T00:05:26.020470+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qzn077", "score": 48, "num_comments": 38, "created_utc": 1770589849.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.96, "author": "Willing_Chemical1257"}


topic_name: I think I’m a receptionist for an MLM
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qiflna/i_think_im_a_receptionist_for_an_mlm/
collected_at: 2026-02-12T00:05:30.135113+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qiflna", "score": 288, "num_comments": 59, "created_utc": 1768947774.0, "selftext": "Hi, so about a month ago I took this position as a receptionist. The interview went well, didn\u2019t call me back too quickly. Honestly no real red flags. I\u2019ve been here for a while and I still really can\u2019t complain. \n\nNo one has urged me to sell anything, drive sales, cold call anyone or even recommend anyone who would be interested. However, I\u2019ve been invited to sit in on our \u201cweekly dealer calls\u201d. Ever since my first one, I\u2019ve been noticing how cult-ish it is. Big on recruitment, lots of buzz wor", "sort": "top", "upvote_ratio": 0.98, "author": "Heavy_Fun_4039"}

selftext:
Hi, so about a month ago I took this position as a receptionist. The interview went well, didn’t call me back too quickly. Honestly no real red flags. I’ve been here for a while and I still really can’t complain. 

No one has urged me to sell anything, drive sales, cold call anyone or even recommend anyone who would be interested. However, I’ve been invited to sit in on our “weekly dealer calls”. Ever since my first one, I’ve been noticing how cult-ish it is. Big on recruitment, lots of buzz wor


topic_name: Insurance for a snowmobile, paid for full year, snowmobile broke down beyond repair. What to do?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r26lhf/insurance_for_a_snowmobile_paid_for_full_year/
collected_at: 2026-02-12T00:05:44.256635+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r26lhf", "score": 0, "num_comments": 7, "created_utc": 1770837210.0, "selftext": "So basically, me and my husband wanted to go ice fishing for the first time in the new year just 2 weekends ago. We brought our gear and our snow machine (which was old, a 04' ski doo grand touring)\n\nIt basically immediately blew up. The engine overheated because of a crank seal leak and the cylinders and pistons are done, and it'll cost almost 3 grand to fix.\n\nProblem is, we bought a full year of policy on that specific sled, and it immediately blew up. We paid 500$ for the year, and I am wonde", "sort": "hot", "upvote_ratio": 0.33, "author": "shartypoopies"}

selftext:
So basically, me and my husband wanted to go ice fishing for the first time in the new year just 2 weekends ago. We brought our gear and our snow machine (which was old, a 04' ski doo grand touring)

It basically immediately blew up. The engine overheated because of a crank seal leak and the cylinders and pistons are done, and it'll cost almost 3 grand to fix.

Problem is, we bought a full year of policy on that specific sled, and it immediately blew up. We paid 500$ for the year, and I am wonde


topic_name: At fault driver’s insurance denied liability despite evidence
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qj2zcq/at_fault_drivers_insurance_denied_liability/
collected_at: 2026-02-12T00:05:47.658348+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qj2zcq", "score": 24, "num_comments": 74, "created_utc": 1769013847.0, "selftext": "I have the dash cam footage of all of this.\n\nI was on the far right lane (which is not a right turn only lane) at an intersection behind a bus. Light turned green and I was waiting for the bus to complete its right turn. Once the bus finished its turn I began to move forward. All of a sudden a car in the middle lane attempts to make a right turn, hitting my front left bumper. I immediately turned my emergency lights on but saw that the other car was driving away, I attempted to follow but my car", "sort": "top", "upvote_ratio": 0.86, "author": "omgimsosilly"}

selftext:
I have the dash cam footage of all of this.

I was on the far right lane (which is not a right turn only lane) at an intersection behind a bus. Light turned green and I was waiting for the bus to complete its right turn. Once the bus finished its turn I began to move forward. All of a sudden a car in the middle lane attempts to make a right turn, hitting my front left bumper. I immediately turned my emergency lights on but saw that the other car was driving away, I attempted to follow but my car


topic_name: Not sure if incompetence or dark pattern
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qcyj4s/not_sure_if_incompetence_or_dark_pattern/
collected_at: 2026-02-12T00:05:53.366293+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qcyj4s", "score": 3, "num_comments": 2, "created_utc": 1768422716.0, "selftext": "We want to block all traffic on our enterprise network that involves cryptocurrencies and block chain mining.\n\nOur environment uses Virtual Machines.\n\nWhy the fuck did the inventor of Bitcoin decide to run bitcoin traffic on the same port number as VMWare?", "sort": "hot", "upvote_ratio": 0.67, "author": "MurderManTX"}

selftext:
We want to block all traffic on our enterprise network that involves cryptocurrencies and block chain mining.

Our environment uses Virtual Machines.

Why the fuck did the inventor of Bitcoin decide to run bitcoin traffic on the same port number as VMWare?


topic_name: What to buy on sale after the Super Bowl? And after Valentines?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qzcjzs/what_to_buy_on_sale_after_the_super_bowl_and/
collected_at: 2026-02-12T00:06:01.656905+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qzcjzs", "score": 213, "num_comments": 86, "created_utc": 1770566273.0, "selftext": "I like to stock up on foods that I\u2019ll use when they go on sale, even if I have to get creative using them. For example, I didn\u2019t know I liked corned beef until I got an amazing deal on one after St Patrick\u2019s day.  Hams go on sale after Easter, turkeys after thanksgiving, etc. Any products to keep an eye out for on sale after Super Bowl Sunday here in the States? Anything other than chocolate to look for on sale after Valentines Day?", "sort": "hot", "upvote_ratio": 0.88, "author": "easierthanbaseball"}

selftext:
I like to stock up on foods that I’ll use when they go on sale, even if I have to get creative using them. For example, I didn’t know I liked corned beef until I got an amazing deal on one after St Patrick’s day.  Hams go on sale after Easter, turkeys after thanksgiving, etc. Any products to keep an eye out for on sale after Super Bowl Sunday here in the States? Anything other than chocolate to look for on sale after Valentines Day?


topic_name: The Cost of a Cup of Home Brewed Coffee
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qhk0kn/the_cost_of_a_cup_of_home_brewed_coffee/
collected_at: 2026-02-12T00:06:05.044506+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qhk0kn", "score": 555, "num_comments": 225, "created_utc": 1768864243.0, "selftext": "No idea why but I got it into my head to calculate the actual cost of a cup of coffee.\n\nAnd not sure if this is the right sub\n\nReddit but here goes.\n\nI calculated the cost based on my one cup coffee maker and a larger size Folgers container of coffee. I actually drink this stuff - so perhaps this does belong here\u2026\n\nGrew up drinking coffee from NYC street vendors so I don\u2019t actually know any better.\n\nMy costs are based on a 16 oz travel mug - 2 scoops of coffee ,16oz of water, and 2 oz of milk (r", "sort": "top", "upvote_ratio": 0.92, "author": "used-user001"}

selftext:
No idea why but I got it into my head to calculate the actual cost of a cup of coffee.

And not sure if this is the right sub

Reddit but here goes.

I calculated the cost based on my one cup coffee maker and a larger size Folgers container of coffee. I actually drink this stuff - so perhaps this does belong here…

Grew up drinking coffee from NYC street vendors so I don’t actually know any better.

My costs are based on a 16 oz travel mug - 2 scoops of coffee ,16oz of water, and 2 oz of milk (r


topic_name: Venture or Venture X for Japan Trip
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2ax55/venture_or_venture_x_for_japan_trip/
collected_at: 2026-02-12T00:06:10.587860+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2ax55", "score": 0, "num_comments": 8, "created_utc": 1770846918.0, "selftext": "I currently have the savor card (only cc) and its been a year of owning so I got a CLI to 3700 from 700. I wanted to plan a trip to Japan but was wondering if the Venture SUB now would be worth it then downgrading or going straight for the venture x would be worth it.\n\nWould there be issues with trying to get the vx down the road? Also would the CSP be a better option? Would I even be approved for the cards?\n\nCred Score: 730\n\n", "sort": "hot", "upvote_ratio": 0.5, "author": "Puzzleheaded_Dress_4"}

selftext:
I currently have the savor card (only cc) and its been a year of owning so I got a CLI to 3700 from 700. I wanted to plan a trip to Japan but was wondering if the Venture SUB now would be worth it then downgrading or going straight for the venture x would be worth it.

Would there be issues with trying to get the vx down the road? Also would the CSP be a better option? Would I even be approved for the cards?

Cred Score: 730


topic_name: Exposing the Bilt Confusion, or why 2.33 or 3.33% is a mirage!
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qd7q4c/exposing_the_bilt_confusion_or_why_233_or_333_is/
collected_at: 2026-02-12T00:06:13.782068+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qd7q4c", "score": 157, "num_comments": 134, "created_utc": 1768445337.0, "selftext": "* The \"4%\" is just a fee coupon. Let\u2019s call the \"4% Bilt Cash\" what it actually is a coupon to cover the 3% transaction fee on your rent. They could have been honest and called this a \"1x Point + 1.33x Coupon\" card, but obviously, that doesn\u2019t sound as sexy in a press release as 4x is better than 1.33x. See below for the Chase Cash analogy.\n\n* We lost the float (and the credit card privilege): You aren\u2019t really paying rent with a credit card anymore. Under the new terms, rent payments are just A", "sort": "top", "upvote_ratio": 0.85, "author": "rtyuuytr"}

selftext:
* The "4%" is just a fee coupon. Let’s call the "4% Bilt Cash" what it actually is a coupon to cover the 3% transaction fee on your rent. They could have been honest and called this a "1x Point + 1.33x Coupon" card, but obviously, that doesn’t sound as sexy in a press release as 4x is better than 1.33x. See below for the Chase Cash analogy.

* We lost the float (and the credit card privilege): You aren’t really paying rent with a credit card anymore. Under the new terms, rent payments are just A


topic_name: Injunction falsely filed against me
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2934y/injunction_falsely_filed_against_me/
collected_at: 2026-02-12T00:06:18.920839+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2934y", "score": 2, "num_comments": 0, "created_utc": 1770842763.0, "selftext": "Good afternoon all,\n\nLocation: Florida\n\nThis is a long one, resident of Florida, got officially divorced Dec. 29, ex wife filed an injunction for domestic violence against me the following day, even though I\u2019ve never done anything abusive to her and she has no proof of anything. I think she did it out of retaliation because I\u2019ve moved on, and because she heard that after the divorce was finalized I wouldn\u2019t have legal representation anymore.\n\nDecember 27, we got into an argument while I was cele", "sort": "hot", "upvote_ratio": 0.75, "author": "Livid_Cabinet_9197"}

selftext:
Good afternoon all,

Location: Florida

This is a long one, resident of Florida, got officially divorced Dec. 29, ex wife filed an injunction for domestic violence against me the following day, even though I’ve never done anything abusive to her and she has no proof of anything. I think she did it out of retaliation because I’ve moved on, and because she heard that after the divorce was finalized I wouldn’t have legal representation anymore.

December 27, we got into an argument while I was cele


topic_name: My Boyfriend is Being Held in A Hospital Against His Will - UPDATE
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qfy7zp/my_boyfriend_is_being_held_in_a_hospital_against/
collected_at: 2026-02-12T00:06:22.356502+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qfy7zp", "score": 1489, "num_comments": 1, "created_utc": 1768708706.0, "selftext": "Original Post [Here](https://www.reddit.com/r/legaladvice/s/oFU65qtZ5W).\n\nLocation: Delaware\n\nMy boyfriend got discharged from the hospital this morning. I was already on my way there when I got the call that they were letting him go so I picked him up and drove him back to our home state.\n\nAccording to all documentation (that he now has access to) he was mentally competent enough to understand what they were telling him and understand the risks of him leaving. His psych eval yesterday was norma", "sort": "top", "upvote_ratio": 0.9, "author": "Past-Ad-5060"}

selftext:
Original Post [Here](https://www.reddit.com/r/legaladvice/s/oFU65qtZ5W).

Location: Delaware

My boyfriend got discharged from the hospital this morning. I was already on my way there when I got the call that they were letting him go so I picked him up and drove him back to our home state.

According to all documentation (that he now has access to) he was mentally competent enough to understand what they were telling him and understand the risks of him leaving. His psych eval yesterday was norma


topic_name: LPT: Rereading your draft over and over? Change the font color
source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286019+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qxoe8e/lpt_rereading_your_draft_over_and_over_change_the/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qxoe8e", "score": 225, "num_comments": 12, "created_utc": 1770399817.0, "selftext": "When you proofread your own writing multiple times, your brain starts to skim and you can easily miss typos. A simple trick is to change the font color before your final read. When the text looks different, your brain treats it like new information, which helps your eyes slow down and makes it easier to catch mistakes you might otherwise overlook", "sort": "hot", "upvote_ratio": 0.95, "author": "Vamonoss"}

selftext:
When you proofread your own writing multiple times, your brain starts to skim and you can easily miss typos. A simple trick is to change the font color before your final read. When the text looks different, your brain treats it like new information, which helps your eyes slow down and makes it easier to catch mistakes you might otherwise overlook


topic_name: Redland Cotton Sheets - My Experience
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1dj45/redland_cotton_sheets_my_experience/
collected_at: 2026-02-12T00:06:36.789650+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1dj45", "score": 19, "num_comments": 23, "created_utc": 1770758312.0, "selftext": "Redland is often brought up on this sub (10+ posts in the last year when requesting insights on high-quality sheets). I wanted to share a recent review and see if I'm not alone in my subpar experience. \n\n**The product:** King size, basic sheet set, Natural Color\n\n**The care cycle:** 1 of 2 sheet sets, used for 2 weeks, washed, on vacation for 2 weeks. Repeat Wash in a front loader, cold water, hung dry outside when possible (not in winter)\n\n**Initial thoughts:** These are THE BEST SHEETS. We tol", "sort": "hot", "upvote_ratio": 0.88, "author": "NBDubs"}

selftext:
Redland is often brought up on this sub (10+ posts in the last year when requesting insights on high-quality sheets). I wanted to share a recent review and see if I'm not alone in my subpar experience. 

**The product:** King size, basic sheet set, Natural Color

**The care cycle:** 1 of 2 sheet sets, used for 2 weeks, washed, on vacation for 2 weeks. Repeat Wash in a front loader, cold water, hung dry outside when possible (not in winter)

**Initial thoughts:** These are THE BEST SHEETS. We tol


topic_name: Scored myself an Oster Regency Kitchen Center for 26 bucks at thrift. Works perfectly.
source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492229+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qj7mxz/scored_myself_an_oster_regency_kitchen_center_for/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qj7mxz", "score": 1186, "num_comments": 34, "created_utc": 1769023768.0, "selftext": "Info: -1970's\\~ Oster Regency Kitchen Center.  \n\\-Purchased 2026 fully functional.  \n  \nApologies for using an image from online. Currently removing the UV stain on it with some hydrocream and sunlight which is why I havnt taken a photo.   \n  \nI got this from a mission thrift store for $26 bucks! From what ive heard these last for generations of use and im super pumped! I even remember my grandma using one of these. I imagine with routine maintenance this will survive me.", "sort": "top", "upvote_ratio": 0.98, "author": "BurningBerns"}

selftext:
Info: -1970's\~ Oster Regency Kitchen Center.  
\-Purchased 2026 fully functional.  
  
Apologies for using an image from online. Currently removing the UV stain on it with some hydrocream and sunlight which is why I havnt taken a photo.   
  
I got this from a mission thrift store for $26 bucks! From what ive heard these last for generations of use and im super pumped! I even remember my grandma using one of these. I imagine with routine maintenance this will survive me.


topic_name: 4% rule revised to 4.7% with conservative Bengen portfolio
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000006+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qty78x/4_rule_revised_to_47_with_conservative_bengen/

metadata:
{"subreddit": "financialindependence", "post_id": "1qty78x", "score": 101, "num_comments": 142, "created_utc": 1770046365.0, "selftext": "I am finishing the new Bengen book (author of the 4% withdrawal approach)\n\nMy take away from the book was he now considers more asset classes so the withdrawal rate can be higher. But the asset allocation (55% stocks in specific categories, 40% intermediate bonds, 5% cash) is conservative so that sequence of return risk is avoided. If you are unlucky and have a bear market and high inflation in the first part of retirement, your portfolio could fail.\n\nBut it is very conservative to achieve a zer", "sort": "hot", "upvote_ratio": 0.81, "author": "TiberiusCaesar717"}

selftext:
I am finishing the new Bengen book (author of the 4% withdrawal approach)

My take away from the book was he now considers more asset classes so the withdrawal rate can be higher. But the asset allocation (55% stocks in specific categories, 40% intermediate bonds, 5% cash) is conservative so that sequence of return risk is avoided. If you are unlucky and have a bear market and high inflation in the first part of retirement, your portfolio could fail.

But it is very conservative to achieve a zer


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397202+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the key features and improvements in Windows 11 updates, and how do they enhance user experience?


topic_name: How Could Two Kids Pretend To Be One Adult 🤔
source: youtube
region: US
url: https://youtube.com/watch?v=ARCGPWRW_48
collected_at: 2026-02-12T00:04:30.534727
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "ARCGPWRW_48", "channel": "Zack D. Films", "category": "Entertainment", "category_id": 24, "views": "7791120", "view_count": 7791120, "likes": "620496", "published_at": "2026-02-07T22:30:05Z"}


topic_name: Considering moving states to keep a job with low finances
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814869+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r2d2a6/considering_moving_states_to_keep_a_job_with_low/

metadata:
{"subreddit": "personalfinance", "post_id": "1r2d2a6", "score": 0, "num_comments": 10, "created_utc": 1770851918.0, "selftext": "I make $18 an hour at 34 hrs per week living at home while paying $450 monthly for car insurance and a car. I am depressed and that's likely influencing my thoughts, but if I don't relocate I'll lose my job and insurance benefits. I have an associate of arts gen ed associates degree but nothing else. Most no experience needed jobs only pay $13-15 in my area. If I'm offered a job in somewhere like St Louis or Huntsville I want to take it, but again I know that's not easily done with my lack of sa", "sort": "hot", "upvote_ratio": 0.4, "author": "OdeToSnapshoot"}

selftext:
I make $18 an hour at 34 hrs per week living at home while paying $450 monthly for car insurance and a car. I am depressed and that's likely influencing my thoughts, but if I don't relocate I'll lose my job and insurance benefits. I have an associate of arts gen ed associates degree but nothing else. Most no experience needed jobs only pay $13-15 in my area. If I'm offered a job in somewhere like St Louis or Huntsville I want to take it, but again I know that's not easily done with my lack of sa


topic_name: empty nest single mom (42) feeling overwhelmed about finances — where do I start?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qy2x61/empty_nest_single_mom_42_feeling_overwhelmed/
collected_at: 2026-02-12T00:04:45.418171+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qy2x61", "score": 531, "num_comments": 179, "created_utc": 1770434873.0, "selftext": "I am a 42-year-old single midwest mom and my only child left for college last fall. The empty-nest reality is hitting harder than I expected, especially financially.\n\nI\u2019ve been in survival mode for a long time and now that this chapter is changing, I\u2019m realizing how behind I feel with money. I have credit card debt, not much saved, and a lot of anxiety around even looking at the numbers. I work and pay my bills, but I don\u2019t have a real plan and I\u2019m overwhelmed about where to begin. Cashed in wha", "sort": "top", "upvote_ratio": 0.89, "author": "Pilvilake4110"}

selftext:
I am a 42-year-old single midwest mom and my only child left for college last fall. The empty-nest reality is hitting harder than I expected, especially financially.

I’ve been in survival mode for a long time and now that this chapter is changing, I’m realizing how behind I feel with money. I have credit card debt, not much saved, and a lot of anxiety around even looking at the numbers. I work and pay my bills, but I don’t have a real plan and I’m overwhelmed about where to begin. Cashed in wha


topic_name: Title Questions
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r12j7f/title_questions/
collected_at: 2026-02-12T00:04:50.635702+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r12j7f", "score": 4, "num_comments": 3, "created_utc": 1770734480.0, "selftext": "I live in NH and I\u2019m trying to sell my car private sale to someone in CT. I have a lien on the car from Bank of America for 26k. Let say I have the buyer pay off the loan at a branch and then BoA send me the title and the lien payoff in the mail a week later. Can I just sign that title directly over to the buyer? I keep seeing conflicting information about needing to take it to the DMV to get a clean title before signing it over to a buyer. I cannot find a clear answer anywhere. Even BoA and my ", "sort": "hot", "upvote_ratio": 1.0, "author": "SHORREE"}

selftext:
I live in NH and I’m trying to sell my car private sale to someone in CT. I have a lien on the car from Bank of America for 26k. Let say I have the buyer pay off the loan at a branch and then BoA send me the title and the lien payoff in the mail a week later. Can I just sign that title directly over to the buyer? I keep seeing conflicting information about needing to take it to the DMV to get a clean title before signing it over to a buyer. I cannot find a clear answer anywhere. Even BoA and my 


topic_name: So are internet sales people fake?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qhgztc/so_are_internet_sales_people_fake/
collected_at: 2026-02-12T00:04:53.860283+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qhgztc", "score": 30, "num_comments": 55, "created_utc": 1768857304.0, "selftext": "I've been in 3 dealerships today And not once has the person I've scheduled with been available, it's always someone else.", "sort": "top", "upvote_ratio": 0.81, "author": "PostEastern2795"}

selftext:
I've been in 3 dealerships today And not once has the person I've scheduled with been available, it's always someone else.


topic_name: 103 prepped meals cost $211.01 in Jan ‘25 vs $228.76 in Jan ‘26 [US]
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457461+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r06g7r/103_prepped_meals_cost_21101_in_jan_25_vs_22876/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r06g7r", "score": 41931, "num_comments": 2007, "created_utc": 1770649280.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.95, "author": "ArtisanGerard"}


topic_name: [CANADA] I got an offer for an interview via imessage.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r22j75/canada_i_got_an_offer_for_an_interview_via/
collected_at: 2026-02-12T00:05:08.886674+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r22j75", "score": 0, "num_comments": 18, "created_utc": 1770828543.0, "selftext": "Usually I can tell when job offers are fake. but if this one is, it\u2019s incredibly elaborate. I have applied to over a hundred companies in the last six months and I\u2019m also aware my information can be accessed on Linkedin, and that not all offers are scams\n\nI was contacted via iMessage from an American number. the read receipts are enabled, my messages are being read and replied to right away. I asked some questions about whether it\u2019s a part time position, and he said there\u2019s both part time and fu", "sort": "hot", "upvote_ratio": 0.5, "author": "DumzaDay"}

selftext:
Usually I can tell when job offers are fake. but if this one is, it’s incredibly elaborate. I have applied to over a hundred companies in the last six months and I’m also aware my information can be accessed on Linkedin, and that not all offers are scams

I was contacted via iMessage from an American number. the read receipts are enabled, my messages are being read and replied to right away. I asked some questions about whether it’s a part time position, and he said there’s both part time and fu


topic_name: Sandra Bullock Romance Scam - My Poor Dad
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qi4m4w/sandra_bullock_romance_scam_my_poor_dad/
collected_at: 2026-02-12T00:05:12.358865+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qi4m4w", "score": 214, "num_comments": 165, "created_utc": 1768924068.0, "selftext": "My elderly father was contacted via Facebook by people who \u201cwork\u201d for Sandra Bullock and asked him if he would fight scammers on her behalf. 2 years later, he\u2019s done such a good job that he\u2019s now talking and texting with \u201cSandra Bullock\u201d. As far as I know, he hasn\u2019t given her any money, but I can\u2019t help feeling like this is pig butchering. \n\nDoes anyone know more about this type of scam? Does anyone have success getting their parents to see the light? \n\nHe gets angry when I gently bring up that ", "sort": "top", "upvote_ratio": 0.95, "author": "No-Sprinkles-8204"}

selftext:
My elderly father was contacted via Facebook by people who “work” for Sandra Bullock and asked him if he would fight scammers on her behalf. 2 years later, he’s done such a good job that he’s now talking and texting with “Sandra Bullock”. As far as I know, he hasn’t given her any money, but I can’t help feeling like this is pig butchering. 

Does anyone know more about this type of scam? Does anyone have success getting their parents to see the light? 

He gets angry when I gently bring up that 


topic_name: My "$13/month" MoviePass subscription actually costs $23 to watch a single 2D movie...
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889748+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1q7kydb/my_13month_moviepass_subscription_actually_costs/

metadata:
{"subreddit": "assholedesign", "post_id": "1q7kydb", "score": 994, "num_comments": 83, "created_utc": 1767899610.0, "selftext": "Remember the glory days of MoviePass? $10 for unlimited movies? Well, they are back, and their new system is horrible, designed to force you into microtransactions to use the service at all.\n\nHere is the actual \"Asshole Design\" workflow I just went through:\n\n1. **The Bait:** I bought the $13 \"Basic\" plan. This gives you 34 credits.\n2. **The Trap:** I found a standard movie listed for exactly 34 credits. Perfect right?\n3. **The Switch:** At checkout, they hit me with a surprise 7-credit \"online s", "sort": "hot", "upvote_ratio": 0.96, "author": "Evans_y"}

selftext:
Remember the glory days of MoviePass? $10 for unlimited movies? Well, they are back, and their new system is horrible, designed to force you into microtransactions to use the service at all.

Here is the actual "Asshole Design" workflow I just went through:

1. **The Bait:** I bought the $13 "Basic" plan. This gives you 34 credits.
2. **The Trap:** I found a standard movie listed for exactly 34 credits. Perfect right?
3. **The Switch:** At checkout, they hit me with a surprise 7-credit "online s


topic_name: Received an interview from Primerica disguised as another company
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qzelsc/received_an_interview_from_primerica_disguised_as/
collected_at: 2026-02-12T00:05:26.020473+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qzelsc", "score": 99, "num_comments": 120, "created_utc": 1770570885.0, "selftext": "I applied for a remote entry level financial \"advisor\" position on indeed. Sounds legit enough right? I proceeded to do the interview and the company was under a different name but they casually mentioned how I would be an independent contractor if I moved forward with them and that their parent company pays for the licenses. Then they mentioned their parent company was Primerica. I didn't know anything about it so I was excited and asked if I got the job and they told me yes. I then began to do", "sort": "hot", "upvote_ratio": 0.98, "author": "Jesuscanforgive"}

selftext:
I applied for a remote entry level financial "advisor" position on indeed. Sounds legit enough right? I proceeded to do the interview and the company was under a different name but they casually mentioned how I would be an independent contractor if I moved forward with them and that their parent company pays for the licenses. Then they mentioned their parent company was Primerica. I didn't know anything about it so I was excited and asked if I got the job and they told me yes. I then began to do


topic_name: Come on you guys!
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qe42oc/come_on_you_guys/
collected_at: 2026-02-12T00:05:30.135116+00:00
autocomplete: []
selftext: The begging is real. The secondhand embarrassment is also real.
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qe42oc", "score": 285, "num_comments": 53, "created_utc": 1768531600.0, "selftext": "The begging is real. The secondhand embarrassment is also real.", "sort": "top", "upvote_ratio": 0.99, "author": "kbin1970"}


topic_name: State Farm and Class 3 Impact Resistant Shingle
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1zhg5/state_farm_and_class_3_impact_resistant_shingle/
collected_at: 2026-02-12T00:05:44.256639+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1zhg5", "score": 2, "num_comments": 3, "created_utc": 1770821676.0, "selftext": "Has anyone with State Farm been offered a premium discount after telling them you got a new roof with Class 3 Impact Resistant Shingle? I am debating on telling them as I have seen where sometimes insurance companies end up raising the premium if you get a new roof.", "sort": "hot", "upvote_ratio": 0.76, "author": "GoldDog1998"}

selftext:
Has anyone with State Farm been offered a premium discount after telling them you got a new roof with Class 3 Impact Resistant Shingle? I am debating on telling them as I have seen where sometimes insurance companies end up raising the premium if you get a new roof.


topic_name: Massive difference in insurance cost between agent and searching myself
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qdnag3/massive_difference_in_insurance_cost_between/
collected_at: 2026-02-12T00:05:47.658352+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qdnag3", "score": 24, "num_comments": 69, "created_utc": 1768492622.0, "selftext": "Hi all, I decided to look into insurance options recently because my agent (who my family has been using for over a decade) has me paying $410 a month. I drive a nice car so I expect a higher than average payment, but $410 seemed a bit high. after looking around, none of the plans I\u2019m offered are more than $300 a month. most are in the $250-$270 range. Is it possible my agent is putting something in wrong somewhere, or am I getting screwed? Is this overcharge normal for agents? Thanks!", "sort": "top", "upvote_ratio": 0.93, "author": "Ded1nside"}

selftext:
Hi all, I decided to look into insurance options recently because my agent (who my family has been using for over a decade) has me paying $410 a month. I drive a nice car so I expect a higher than average payment, but $410 seemed a bit high. after looking around, none of the plans I’m offered are more than $300 a month. most are in the $250-$270 range. Is it possible my agent is putting something in wrong somewhere, or am I getting screwed? Is this overcharge normal for agents? Thanks!


topic_name: You can reuse mail packaging when sending out decluttered items
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qzexwh/you_can_reuse_mail_packaging_when_sending_out/
collected_at: 2026-02-12T00:06:01.656908+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qzexwh", "score": 150, "num_comments": 39, "created_utc": 1770571629.0, "selftext": "I've been decluttering my home and mailing out parcels whenever someone purchases something from me. I used to buy mail packaging just to mail these parcels out but then I realized I could just cut up old packaging and tape up the edges to seal them! This has saved so much plastic and a satisfying little bit of money for me, plus I love earning a little side \"income\" clearing my things.", "sort": "hot", "upvote_ratio": 0.88, "author": "Ok-Positive4055"}

selftext:
I've been decluttering my home and mailing out parcels whenever someone purchases something from me. I used to buy mail packaging just to mail these parcels out but then I realized I could just cut up old packaging and tape up the edges to seal them! This has saved so much plastic and a satisfying little bit of money for me, plus I love earning a little side "income" clearing my things.


topic_name: I’m looking for a third card
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2aqne/im_looking_for_a_third_card/
collected_at: 2026-02-12T00:06:10.587863+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2aqne", "score": 0, "num_comments": 3, "created_utc": 1770846507.0, "selftext": "Hi, I\u2019m looking for a third credit card to add to my collection. I currently have a discover student card and a navy federal go rewards card with a 730 credit score. I\u2019m looking for a no or low annual fee card (under 100) thats just a good overall card. I\u2019ve seen the chase freedom unlimited but I wanna see other options. Thank you ", "sort": "hot", "upvote_ratio": 0.5, "author": "Southern_Sale_2711"}

selftext:
Hi, I’m looking for a third credit card to add to my collection. I currently have a discover student card and a navy federal go rewards card with a 730 credit score. I’m looking for a no or low annual fee card (under 100) thats just a good overall card. I’ve seen the chase freedom unlimited but I wanna see other options. Thank you 


topic_name: Chase Disney Inspire Card About to Release
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qutzuc/chase_disney_inspire_card_about_to_release/
collected_at: 2026-02-12T00:06:13.782072+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qutzuc", "score": 151, "num_comments": 135, "created_utc": 1770130399.0, "selftext": "https://disneyrewards.com/inspire-credit-card-benefits/\n\n**SUB:** $300 in Disney Gift Cards upon approval.  $300 statement credit after $1,000 in purchases in first 3 months\n\n* 200 Disney Rewards Dollars on U.S. Disney Resort after $2,000 spend at Disney Resorts each anniversary year\n* $100 Statement Credit on U.S. Disney Theme Park Tickets Spend Each Anniversary Year\n* $10 monthly statement credit when spending $10 or more per month on qualifying subscriptions or add-on purchases made directly ", "sort": "top", "upvote_ratio": 0.97, "author": "Cyberhwk"}

selftext:
https://disneyrewards.com/inspire-credit-card-benefits/

**SUB:** $300 in Disney Gift Cards upon approval.  $300 statement credit after $1,000 in purchases in first 3 months

* 200 Disney Rewards Dollars on U.S. Disney Resort after $2,000 spend at Disney Resorts each anniversary year
* $100 Statement Credit on U.S. Disney Theme Park Tickets Spend Each Anniversary Year
* $10 monthly statement credit when spending $10 or more per month on qualifying subscriptions or add-on purchases made directly 


topic_name: Girl at work is non stop harassing me
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r1hlwa/girl_at_work_is_non_stop_harassing_me/
collected_at: 2026-02-12T00:06:18.920842+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1hlwa", "score": 92, "num_comments": 43, "created_utc": 1770767868.0, "selftext": "Location: NYC\n\nHey, met this girl on hinge. She works at my job \n\nI noticed she just non stop texts me\n\nfirst date she told me she has a restraining order against her ex\n\nshould\u2019ve ran right there\n\nsecond date she asks me to come over to my apt w a bottle of wine\n\nshe comes over I get really drunk but I can\u2019t get aroused as i\u2019m not attracted to her. She stormed out\n\nshe texts me got home safely goodnight\n\nfollows up with \u201cwhat I did that night\u201d\n\nsays I \u201cheld her face aggressively\u201d and said \u201ci\u2019d ", "sort": "hot", "upvote_ratio": 0.81, "author": "HotCap1503"}

selftext:
Location: NYC

Hey, met this girl on hinge. She works at my job 

I noticed she just non stop texts me

first date she told me she has a restraining order against her ex

should’ve ran right there

second date she asks me to come over to my apt w a bottle of wine

she comes over I get really drunk but I can’t get aroused as i’m not attracted to her. She stormed out

she texts me got home safely goodnight

follows up with “what I did that night”

says I “held her face aggressively” and said “i’d 


topic_name: Work cannot accommodate my weight restriction during pregnancy. Is termination a legal option?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qbeu13/work_cannot_accommodate_my_weight_restriction/
collected_at: 2026-02-12T00:06:22.356505+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qbeu13", "score": 1464, "num_comments": 63, "created_utc": 1768270338.0, "selftext": "Location: OH, USA\n\nI\u2019m currently 38 weeks pregnant and about 3 weeks ago my OB gave me a weight restriction of 15 ibs for the last of my pregnancy. I submitted this to my HR department the same day and these few weeks have passed and nobody ever mentioned it.\nTonight, 3 weeks later, I came in to find myself no longer scheduled. The manager was not there but called me about 20 minutes into being there and told me that due to my weight restriction I would require light duty which they could not ac", "sort": "top", "upvote_ratio": 0.94, "author": "Prior_Context336"}

selftext:
Location: OH, USA

I’m currently 38 weeks pregnant and about 3 weeks ago my OB gave me a weight restriction of 15 ibs for the last of my pregnancy. I submitted this to my HR department the same day and these few weeks have passed and nobody ever mentioned it.
Tonight, 3 weeks later, I came in to find myself no longer scheduled. The manager was not there but called me about 20 minutes into being there and told me that due to my weight restriction I would require light duty which they could not ac


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qwpjru/lpt_once_a_month_copy_10_job_postings_for_the/
collected_at: 2026-02-12T00:06:28.286023+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: Once a month, copy 10 job postings for the role you want and tally the repeated skills. Then spend the month building proof for the top 2.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qwpjru", "score": 4028, "num_comments": 95, "created_utc": 1770308129.0, "selftext": "Keep it simple. Make a quick list of the skills that show up again and again. Those are the market signals. Then pick the top 2 and create proof, not just learning. A small project, a work sample, a before and after result, or a short write up.\n\nReal example:   \n  \nIf you want better roles in digital marketing, pull 10 listings for Paid Search and Performance Marketing. If the same two things keep repeating, like GA4 reporting and landing page testing, spend the month building one dashboard and ", "sort": "hot", "upvote_ratio": 0.93, "author": "gamersecret2"}

selftext:
Keep it simple. Make a quick list of the skills that show up again and again. Those are the market signals. Then pick the top 2 and create proof, not just learning. A small project, a work sample, a before and after result, or a short write up.

Real example:   
  
If you want better roles in digital marketing, pull 10 listings for Paid Search and Performance Marketing. If the same two things keep repeating, like GA4 reporting and landing page testing, spend the month building one dashboard and 


topic_name: LPT: HSA's are basically retirement accounts in disguise
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qj8hjt/lpt_hsas_are_basically_retirement_accounts_in/
collected_at: 2026-02-12T00:06:31.302104+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qj8hjt", "score": 3404, "num_comments": 567, "created_utc": 1769025646.0, "selftext": "If you're eligible to contribute to a HSA, DO IT. The funds are usually investable (your plan may have a minimum balance required to stay in cash), and after age 65, you can withdraw for non-medical purposes. ", "sort": "top", "upvote_ratio": 0.94, "author": "Exhausted_Monkey26"}

selftext:
If you're eligible to contribute to a HSA, DO IT. The funds are usually investable (your plan may have a minimum balance required to stay in cash), and after age 65, you can withdraw for non-medical purposes. 


topic_name: What's a good brand of all-weather boots that I can buy?
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789654+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r25px5/whats_a_good_brand_of_allweather_boots_that_i_can/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r25px5", "score": 0, "num_comments": 12, "created_utc": 1770835328.0, "selftext": "I'm in the market for boots (or shoes) and I have no idea about what's good and what's bad. I have never bought casual boots, just the winter/snow ones. I generally dislike leather but if the boots are nice, I'm willing to buy a pair and try them out.\n\nPlease suggest some brands that make good all-weather (or most-weather) boots. I'm open to any and all advice. Thanks.", "sort": "hot", "upvote_ratio": 0.38, "author": "calm_thy_self"}

selftext:
I'm in the market for boots (or shoes) and I have no idea about what's good and what's bad. I have never bought casual boots, just the winter/snow ones. I generally dislike leather but if the boots are nice, I'm willing to buy a pair and try them out.

Please suggest some brands that make good all-weather (or most-weather) boots. I'm open to any and all advice. Thanks.


topic_name: Carhartt lowering standards?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qbqjnn/carhartt_lowering_standards/
collected_at: 2026-02-12T00:06:40.492234+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qbqjnn", "score": 1157, "num_comments": 224, "created_utc": 1768308845.0, "selftext": "Got this hoodie a year ago and it\u2019s showing signs of accelerated wear. I\u2019ve always been gentle with it. Any idea if Carhartt is cheapening out?", "sort": "top", "upvote_ratio": 0.93, "author": "90hex"}

selftext:
Got this hoodie a year ago and it’s showing signs of accelerated wear. I’ve always been gentle with it. Any idea if Carhartt is cheapening out?


topic_name: Investment Advice for an Army Dentist
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1quvvx4/investment_advice_for_an_army_dentist/
collected_at: 2026-02-12T00:06:47.000010+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1quvvx4", "score": 0, "num_comments": 31, "created_utc": 1770134641.0, "selftext": "My ultimate goal is financial independence as I do not have a passion for dentistry in and of itself. I do enjoy it a lot, but it's clear I don't have a passion for it. I am considering how to best invest my money to achieve FI as soon as possible. I want to achieve FI so that I can focus on doing work that I find meaningful without having to stress about providing for my family. \n\nSome relevant information: I am going to graduate April 10th from dental school. I will begin getting paid by the A", "sort": "hot", "upvote_ratio": 0.5, "author": "arcticsquid07"}

selftext:
My ultimate goal is financial independence as I do not have a passion for dentistry in and of itself. I do enjoy it a lot, but it's clear I don't have a passion for it. I am considering how to best invest my money to achieve FI as soon as possible. I want to achieve FI so that I can focus on doing work that I find meaningful without having to stress about providing for my family. 

Some relevant information: I am going to graduate April 10th from dental school. I will begin getting paid by the A


topic_name: Taylor Swift - Opalite (Official Music Video)
source: youtube
region: US
url: https://youtube.com/watch?v=1FVF-9KQiPo
collected_at: 2026-02-12T00:04:30.653151
autocomplete: []
category: Music
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "1FVF-9KQiPo", "channel": "Taylor Swift", "category": "Music", "category_id": 10, "views": "7333458", "view_count": 7333458, "likes": "464752", "published_at": "2026-02-08T13:00:02Z"}


topic_name: Humiliation Isn’t Discipline… One Cop Refuses to Look Away 💔🚔 | Southland #shorts
source: youtube
region: CA
url: https://youtube.com/watch?v=7ujQmYtESkU
collected_at: 2026-02-12T00:04:31.506219
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "7ujQmYtESkU", "channel": "ClipRush", "category": "Entertainment", "category_id": 24, "views": "9580043", "view_count": 9580043, "likes": "444559", "published_at": "2026-02-04T11:11:28Z"}


topic_name: (uk) Advice on making the most of 0% interest balance transfer?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2cx0h/uk_advice_on_making_the_most_of_0_interest/
collected_at: 2026-02-12T00:04:41.814874+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2cx0h", "score": 0, "num_comments": 4, "created_utc": 1770851566.0, "selftext": "I am going to give as much information as I can but please feel free to question anything.\n\nso I got a Barclay card with 0% interest for 36 months on balance transfers with a credit limit of \u00a310,000. I thought that the 36 month 0% interest applied to everything on the Barclay card but it is just the balance transfer.\n\nI did a balance transfer from my NatWest credit card of \u00a35500 as the one year promotional offer of 0% runs out next month. So now I have credit limit again of \u00a36000 on my Natwest.\n", "sort": "hot", "upvote_ratio": 0.5, "author": "jackkster"}

selftext:
I am going to give as much information as I can but please feel free to question anything.

so I got a Barclay card with 0% interest for 36 months on balance transfers with a credit limit of £10,000. I thought that the 36 month 0% interest applied to everything on the Barclay card but it is just the balance transfer.

I did a balance transfer from my NatWest credit card of £5500 as the one year promotional offer of 0% runs out next month. So now I have credit limit again of £6000 on my Natwest.


topic_name: Employer lied about sending W-2, probably won’t send it as retaliation.
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418174+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1queg5n/employer_lied_about_sending_w2_probably_wont_send/

metadata:
{"subreddit": "personalfinance", "post_id": "1queg5n", "score": 500, "num_comments": 82, "created_utc": 1770082498.0, "selftext": "I know I can report around Feb 27.\n\nI used to work for this guy for two years. Caught him stealing part of my wages after finding out through tax return and started a claim. We did physical punch cards, not anything digital. He fired me (I had a vehicle accident in 2024, he didnt write me up or even drug test me despite me volunteering as I have an endorsement. I was not at fault for the accident. he claimed to the court that I did it on purpose because I was \u201cmad about wages\u201d in reality I was t", "sort": "top", "upvote_ratio": 0.9, "author": "Standard_Hospital741"}

selftext:
I know I can report around Feb 27.

I used to work for this guy for two years. Caught him stealing part of my wages after finding out through tax return and started a claim. We did physical punch cards, not anything digital. He fired me (I had a vehicle accident in 2024, he didnt write me up or even drug test me despite me volunteering as I have an endorsement. I was not at fault for the accident. he claimed to the court that I did it on purpose because I was “mad about wages” in reality I was t


topic_name: Sales Commission Question: Initial Contact vs. In-Person Salesperson
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1ehns/sales_commission_question_initial_contact_vs/
collected_at: 2026-02-12T00:04:50.635706+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1ehns", "score": 1, "num_comments": 4, "created_utc": 1770760499.0, "selftext": "If you call a dealership and request information about a car lease, then come in on a later date that and the original person you spoke with isn\u2019t there nor mentioned but another salesperson helps you, does the original person who provided the initial information still receive commission? Do salespeople see that as a slight? ", "sort": "hot", "upvote_ratio": 0.67, "author": "Sweet-Mixture447"}

selftext:
If you call a dealership and request information about a car lease, then come in on a later date that and the original person you spoke with isn’t there nor mentioned but another salesperson helps you, does the original person who provided the initial information still receive commission? Do salespeople see that as a slight? 


topic_name: Dealer hit my car while in service
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qh7ldm/dealer_hit_my_car_while_in_service/
collected_at: 2026-02-12T00:04:53.860288+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qh7ldm", "score": 31, "num_comments": 82, "created_utc": 1768837415.0, "selftext": "Hello everyone,\n\nThe dealer hit my 2022 Ford f-150 raptor while it was in the parking lot. They\u2019ve had it for two weeks trying to figure out an electrical issue, the tech was working on it with the door was open and another tech pulled up next to it and bent the aluminum door. This happened last Thursday and they just informed me this morning, the door needs replaced and the whole driver side of the truck needs to be repainted to blend it and it\u2019s a difficult color to blend. I\u2019m not confident th", "sort": "top", "upvote_ratio": 0.86, "author": "reaper263"}

selftext:
Hello everyone,

The dealer hit my 2022 Ford f-150 raptor while it was in the parking lot. They’ve had it for two weeks trying to figure out an electrical issue, the tech was working on it with the door was open and another tech pulled up next to it and bent the aluminum door. This happened last Thursday and they just informed me this morning, the door needs replaced and the whole driver side of the truck needs to be repainted to blend it and it’s a difficult color to blend. I’m not confident th


topic_name: Do plain oats taste okay?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r16h3k/do_plain_oats_taste_okay/
collected_at: 2026-02-12T00:04:59.457465+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r16h3k", "score": 104, "num_comments": 224, "created_utc": 1770743151.0, "selftext": "Hello! I've been trying to eat more than once a day recently since my stomach has been hurting. I saw this deal that offers 800g of instant oatmeal for a little bit more than 1 USD in my country.  \n\nThe problem is, I cannot afford milk, sugar, or any other sweeteners because I live in a campus dormitory and we are not allowed to cook it here. I saw some comments saying it could taste like cardboard without the sweeteners. \n\nNow, I'm not really used to eating oats. So, I was wondering, to those w", "sort": "hot", "upvote_ratio": 0.83, "author": "Throwawaymasterpeas"}

selftext:
Hello! I've been trying to eat more than once a day recently since my stomach has been hurting. I saw this deal that offers 800g of instant oatmeal for a little bit more than 1 USD in my country.  

The problem is, I cannot afford milk, sugar, or any other sweeteners because I live in a campus dormitory and we are not allowed to cook it here. I saw some comments saying it could taste like cardboard without the sweeteners. 

Now, I'm not really used to eating oats. So, I was wondering, to those w


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489221+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
Did my first plasma donation today and now I have a full tank of gas to get to an interview tomorrow!

url:
https://reddit.com/r/povertyfinance/comments/1qpwbr3/did_my_first_plasma_donation_today_and_now_i_have/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qpwbr3", "score": 1425, "num_comments": 101, "created_utc": 1769654597.0, "selftext": "i'm so happy \ud83d\ude06\n\nI get to help save lives and get $75!\n\nLove it!\n\nNow i hope the job interview goes well tomorrow \ud83e\udd79\n\nEdit Update: I GOT THE JOB!!!!! YES! YES! YES! \n\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d\ud83d\ude2d", "sort": "top", "upvote_ratio": 0.99, "author": "lonelysadbitch11"}

selftext:
i'm so happy 😆

I get to help save lives and get $75!

Love it!

Now i hope the job interview goes well tomorrow 🥹

Edit Update: I GOT THE JOB!!!!! YES! YES! YES! 
😭😭😭😭😭😭😭😭😭😭😭😭😭


topic_name: [DE/HU] Potential legit side-job but feels off due to the nature of some details.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r21ltn/dehu_potential_legit_sidejob_but_feels_off_due_to/
collected_at: 2026-02-12T00:05:08.886678+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r21ltn", "score": 1, "num_comments": 14, "created_utc": 1770826492.0, "selftext": "So someone that has been known by a relative of mine for around two years now has asked whether they know someone who might be interested in helping out on something.\n\nI offered myself to hear them out and while their background checks out, something still seems off so I'm hoping someone here might have more experience and is able to tell whether it really is a scam.\n\nThey basically say they work for a company (which I could verify is where they live, and that they also are working at according ", "sort": "hot", "upvote_ratio": 0.67, "author": "FalseCategory404"}

selftext:
So someone that has been known by a relative of mine for around two years now has asked whether they know someone who might be interested in helping out on something.

I offered myself to hear them out and while their background checks out, something still seems off so I'm hoping someone here might have more experience and is able to tell whether it really is a scam.

They basically say they work for a company (which I could verify is where they live, and that they also are working at according 


topic_name: Apple Fraud "fake" number appears in Google Search Results
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qv3y6x/apple_fraud_fake_number_appears_in_google_search/
collected_at: 2026-02-12T00:05:12.358869+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qv3y6x", "score": 211, "num_comments": 27, "created_utc": 1770152101.0, "selftext": "People searching for Apple Fraud contact information should know that this legitimate looking number (see highlighted number in screenshot) appears in Google search results. I (like an idiot) called them to ask some questions about my elderly mother's recent fraud activity an could tell by how they answered that it definitely wasn't Apple and hung up. I then called Apple Customer support and they confirmed it is a fraudulent number.  Whomever answers the phone will ask for information to access ", "sort": "top", "upvote_ratio": 0.96, "author": "NoOutcome9333"}

selftext:
People searching for Apple Fraud contact information should know that this legitimate looking number (see highlighted number in screenshot) appears in Google search results. I (like an idiot) called them to ask some questions about my elderly mother's recent fraud activity an could tell by how they answered that it definitely wasn't Apple and hung up. I then called Apple Customer support and they confirmed it is a fraudulent number.  Whomever answers the phone will ask for information to access 


topic_name: Bereal asking me every second time to access my contacts on the phone
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889753+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1q7idhk/bereal_asking_me_every_second_time_to_access_my/

metadata:
{"subreddit": "assholedesign", "post_id": "1q7idhk", "score": 110, "num_comments": 10, "created_utc": 1767894174.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.94, "author": "kelly-businessbitch"}


topic_name: I love learning and being educated!! 🙄
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r02313/i_love_learning_and_being_educated/
collected_at: 2026-02-12T00:05:26.020477+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1r02313", "score": 1, "num_comments": 3, "created_utc": 1770637521.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.54, "author": "curvedotter"}


topic_name: “Outing yourself”
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r25n11/outing_yourself/
collected_at: 2026-02-12T00:05:44.256643+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r25n11", "score": 0, "num_comments": 2, "created_utc": 1770835157.0, "selftext": "\n\nI am currently a cyber underwriter working for a top 10 carrier, but was given a job offer to join a carrier that is a subsidiary of one of the largest wholesalers. \n\nDuring the process of receiving an \u201coffer\u201d, I was told by the recruiter, as well as my potential new boss that I would not receive an offer letter formally until I resign due to working relationships between the two companies. In my eyes, my assumption is that this is their way around poaching, but it is very unusual and have nev", "sort": "hot", "upvote_ratio": 0.5, "author": "Ok_Drop_3124"}

selftext:
I am currently a cyber underwriter working for a top 10 carrier, but was given a job offer to join a carrier that is a subsidiary of one of the largest wholesalers. 

During the process of receiving an “offer”, I was told by the recruiter, as well as my potential new boss that I would not receive an offer letter formally until I resign due to working relationships between the two companies. In my eyes, my assumption is that this is their way around poaching, but it is very unusual and have nev


topic_name: Who is found at fault in a pile up?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qykrv7/who_is_found_at_fault_in_a_pile_up/
collected_at: 2026-02-12T00:05:47.658355+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qykrv7", "score": 21, "num_comments": 29, "created_utc": 1770487557.0, "selftext": "Ever look on the news and see a headline \"70 cars involved in deadly pile up on hwy so and so.\"\n\nIn that scenario, who would be found at fault? Is everyone found at fault? Is no one found at fault? Are the first 2 drivers that caused initial accident at fault for the whole thing? How does that work? ", "sort": "top", "upvote_ratio": 0.78, "author": "RudeNudeDude28"}

selftext:
Ever look on the news and see a headline "70 cars involved in deadly pile up on hwy so and so."

In that scenario, who would be found at fault? Is everyone found at fault? Is no one found at fault? Are the first 2 drivers that caused initial accident at fault for the whole thing? How does that work? 


topic_name: What are some dark patterns you've noticed?
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1q89kcl/what_are_some_dark_patterns_youve_noticed/
collected_at: 2026-02-12T00:05:53.366305+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1q89kcl", "score": 10, "num_comments": 10, "created_utc": 1767968625.0, "selftext": "I\u2019m building \"Consumer Shield\", a free browser extension (and hopefully also an app in the future) that exposes predatory terms hidden in T&amp;Cs.\n\nThe idea is that it quickly scans the endless legal jargon of huge terms and conditions documents for you, then gives you an instant and brief report on what nasty things you could be unknowingly signing. \n\nIt is still very much in Alpha phase at the moment. To help build it/get it up and running quickly I would really love to hear some of the worst", "sort": "hot", "upvote_ratio": 0.78, "author": "Traditional-Gas7124"}

selftext:
I’m building "Consumer Shield", a free browser extension (and hopefully also an app in the future) that exposes predatory terms hidden in T&amp;Cs.

The idea is that it quickly scans the endless legal jargon of huge terms and conditions documents for you, then gives you an instant and brief report on what nasty things you could be unknowingly signing. 

It is still very much in Alpha phase at the moment. To help build it/get it up and running quickly I would really love to hear some of the worst


topic_name: need ideas for a super cheap galentines picnic activity that’s actually useful
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qzpx33/need_ideas_for_a_super_cheap_galentines_picnic/
collected_at: 2026-02-12T00:06:01.656912+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qzpx33", "score": 37, "num_comments": 48, "created_utc": 1770597726.0, "selftext": "hi! i\u2019m hosting a small galentines night (around 14 girls), kind of like a cozy picnic in my garden, and i\u2019m trying to figure out one main activity we can all do together.\n\ni\u2019m paying for everything myself, so i really need something that is \n\nvery cheap per person but doesn\u2019t look cheap\n\nhands on and takes around 30\u201360 minutes\n\neveryone leaves with something they\u2019ll actually use, not just a memory\n\nso far the only thing we planned is writing letters to our future selves, but i still want one ma", "sort": "hot", "upvote_ratio": 0.82, "author": "Equivalent-Today2628"}

selftext:
hi! i’m hosting a small galentines night (around 14 girls), kind of like a cozy picnic in my garden, and i’m trying to figure out one main activity we can all do together.

i’m paying for everything myself, so i really need something that is 

very cheap per person but doesn’t look cheap

hands on and takes around 30–60 minutes

everyone leaves with something they’ll actually use, not just a memory

so far the only thing we planned is writing letters to our future selves, but i still want one ma


topic_name: Frugality gambles that have paid off?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qqav5t/frugality_gambles_that_have_paid_off/
collected_at: 2026-02-12T00:06:05.044510+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qqav5t", "score": 510, "num_comments": 462, "created_utc": 1769698862.0, "selftext": "I'm curious about purchases people have made that are the frugal option that have paid off in the long term (or even medium term).\n\nFor example - instead of buying an expensive set of Bluetooth earbuds, I chose to buy the $10 HeyDay ones from Target. Primarily because I wasn't sure I would like having non-corded headphones (I'm often slow on the tech uptake). I've had them for a while now, and am pleased that I didn't spend $50, $100, or even more on a pair of headphones.\n\nAt any rate - what are", "sort": "top", "upvote_ratio": 0.94, "author": "Saint_Thomas_More"}

selftext:
I'm curious about purchases people have made that are the frugal option that have paid off in the long term (or even medium term).

For example - instead of buying an expensive set of Bluetooth earbuds, I chose to buy the $10 HeyDay ones from Target. Primarily because I wasn't sure I would like having non-corded headphones (I'm often slow on the tech uptake). I've had them for a while now, and am pleased that I didn't spend $50, $100, or even more on a pair of headphones.

At any rate - what are


topic_name: Delinquent status and consumer report dispute. Really need advice
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r20a2m/delinquent_status_and_consumer_report_dispute/
collected_at: 2026-02-12T00:06:10.587867+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r20a2m", "score": 3, "num_comments": 6, "created_utc": 1770823497.0, "selftext": "I have had a perfect payment history my whole life. 800 credit score and everything is great. I just recently switched over to a USAA credit card and transfered all of my balances to this new credit card. I immediately set up autopay. \n\nI noticed late last night that my account showed as delinquent. the balance transfers took place in early January and the autopay was set up at the same time. So naturally I was confused. \n\nthis morning I am being informed that, despite the autopay being set up, ", "sort": "hot", "upvote_ratio": 1.0, "author": "Tremendoustip"}

selftext:
I have had a perfect payment history my whole life. 800 credit score and everything is great. I just recently switched over to a USAA credit card and transfered all of my balances to this new credit card. I immediately set up autopay. 

I noticed late last night that my account showed as delinquent. the balance transfers took place in early January and the autopay was set up at the same time. So naturally I was confused. 

this morning I am being informed that, despite the autopay being set up, 


topic_name: Bilt releases more info on Bilt Cash
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qjdndh/bilt_releases_more_info_on_bilt_cash/
collected_at: 2026-02-12T00:06:13.782076+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qjdndh", "score": 151, "num_comments": 166, "created_utc": 1769037287.0, "selftext": "[https://www.reddit.com/r/biltrewards/comments/1qjddrq/a\\_note\\_from\\_me\\_ankur\\_jain\\_your\\_2026\\_bilt\\_cash/](https://www.reddit.com/r/biltrewards/comments/1qjddrq/a_note_from_me_ankur_jain_your_2026_bilt_cash/)", "sort": "top", "upvote_ratio": 0.94, "author": "notthegoatseguy"}

selftext:
[https://www.reddit.com/r/biltrewards/comments/1qjddrq/a\_note\_from\_me\_ankur\_jain\_your\_2026\_bilt\_cash/](https://www.reddit.com/r/biltrewards/comments/1qjddrq/a_note_from_me_ankur_jain_your_2026_bilt_cash/)


topic_name: I sued my Landlord and won!
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r1r1wd/i_sued_my_landlord_and_won/
collected_at: 2026-02-12T00:06:18.920846+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1r1wd", "score": 21, "num_comments": 15, "created_utc": 1770795361.0, "selftext": "Location: Oregon\n\nIt took a lot of trial and error on my forms, but I sued my landlord who neglected to give me my $800 deposit back and won $1657. Twice the deposit plus filing fees. My question is, how do I write a demand letter now that I have won? I assume it should be simple and brief, but I don\u2019t know the correct lingo to use. Google shows me demand letters before tenants take their landlords to small claims court. I need some assistance with the letter that comes after I win. I also need ", "sort": "hot", "upvote_ratio": 0.8, "author": "Galacticoveralls"}

selftext:
Location: Oregon

It took a lot of trial and error on my forms, but I sued my landlord who neglected to give me my $800 deposit back and won $1657. Twice the deposit plus filing fees. My question is, how do I write a demand letter now that I have won? I assume it should be simple and brief, but I don’t know the correct lingo to use. Google shows me demand letters before tenants take their landlords to small claims court. I need some assistance with the letter that comes after I win. I also need 


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1quxhgr/my_4yo_daughter_and_5yo_son_were_playing_with_a/
collected_at: 2026-02-12T00:06:22.356510+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
My 4YO daughter and 5YO son were playing with a tablet and uploaded about 50 pictures of his butt to a cloud account, which was subsequently flagged. Do we need a lawyer?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1quxhgr", "score": 1451, "num_comments": 43, "created_utc": 1770138103.0, "selftext": "Location: Omaha\n\nApparently, if you swipe left on a **locked** tablet, it goes into photo mode! Good to know, I suppose...\n\nAnyway, we let the kids listen to an educational podcast (\"WoW In the World\", if anyone is curious) while playing in their room. My husband found the device switched to photo mode, as well as about 50 pictures of our son mooning the camera, butt and balls on display for the world to see.   \n  \nWe deleted the photos, had a talk with them about appropriate behavior, and took ", "sort": "top", "upvote_ratio": 0.92, "author": "[deleted]"}

selftext:
Location: Omaha

Apparently, if you swipe left on a **locked** tablet, it goes into photo mode! Good to know, I suppose...

Anyway, we let the kids listen to an educational podcast ("WoW In the World", if anyone is curious) while playing in their room. My husband found the device switched to photo mode, as well as about 50 pictures of our son mooning the camera, butt and balls on display for the world to see.   
  
We deleted the photos, had a talk with them about appropriate behavior, and took 


topic_name: LPT - Two Tips For The Kitchen
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qywcdv/lpt_two_tips_for_the_kitchen/
collected_at: 2026-02-12T00:06:28.286028+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qywcdv", "score": 0, "num_comments": 10, "created_utc": 1770516254.0, "selftext": "LPT, a Twofer.\n\nFirst, 90% of vegetable peelers go both ways, just like that friend in college, but more efficient.\n\n The grip is what makes it happen best.\n\n Most vegetable peelers are multidirectional. The pivot on the blade isn't just because the surfaces of vegetables are uneven, its also there so you can give your cucumber an upstroke along with that downstroke.\n\nNow let's talk about the grip, it may feel uncomfortable,  like its someone else hand when you peel in the opposite direction, so", "sort": "hot", "upvote_ratio": 0.32, "author": "boomgoon"}

selftext:
LPT, a Twofer.

First, 90% of vegetable peelers go both ways, just like that friend in college, but more efficient.

 The grip is what makes it happen best.

 Most vegetable peelers are multidirectional. The pivot on the blade isn't just because the surfaces of vegetables are uneven, its also there so you can give your cucumber an upstroke along with that downstroke.

Now let's talk about the grip, it may feel uncomfortable,  like its someone else hand when you peel in the opposite direction, so


topic_name: Which secateurs do you prefer?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1vsww/which_secateurs_do_you_prefer/
collected_at: 2026-02-12T00:06:36.789658+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1vsww", "score": 0, "num_comments": 7, "created_utc": 1770812134.0, "selftext": "Felco, ARS, Niwaki, Okatsune, Tobisho or something else?\n\nExamples:\n\nFelco 2\n\nARS VS-9XZ\n\nNiwaki GR Pro\n\nOkatsune 103\n\nTobisho A-Type", "sort": "hot", "upvote_ratio": 0.5, "author": "Nathan-NL"}

selftext:
Felco, ARS, Niwaki, Okatsune, Tobisho or something else?

Examples:

Felco 2

ARS VS-9XZ

Niwaki GR Pro

Okatsune 103

Tobisho A-Type


topic_name: I finally get to say NBD (New Boot Day)!
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qiqfl5/i_finally_get_to_say_nbd_new_boot_day/
collected_at: 2026-02-12T00:06:40.492239+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qiqfl5", "score": 1101, "num_comments": 62, "created_utc": 1768976818.0, "selftext": "", "sort": "top", "upvote_ratio": 0.97, "author": "master_hakka"}


topic_name: 3% SWR at 36.
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qtsqqc/3_swr_at_36/
collected_at: 2026-02-12T00:06:47.000014+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qtsqqc", "score": 82, "num_comments": 139, "created_utc": 1770032346.0, "selftext": "i\u2019ll keep this short to get the conversation rolling. In my mind I\u2019ve told myself once i achieve a 3% SWR I grant myself permission to quit my job and spend a few months recalibrating. Household expenses are only 42,500 annually &amp; zero debt (home paid off). over $1.2M in equities with another 3 years of expenses set aside in an HYSA. ideally, I\u2019ll build a separate cash bucket with another 1-2 years of expenses in SGOV before I\u2019d quit in July/Aug. Has anyone in their 30\u2019s/early 40\u2019s done some", "sort": "hot", "upvote_ratio": 0.81, "author": "Aggravating_Bench552"}

selftext:
i’ll keep this short to get the conversation rolling. In my mind I’ve told myself once i achieve a 3% SWR I grant myself permission to quit my job and spend a few months recalibrating. Household expenses are only 42,500 annually &amp; zero debt (home paid off). over $1.2M in equities with another 3 years of expenses set aside in an HYSA. ideally, I’ll build a separate cash bucket with another 1-2 years of expenses in SGOV before I’d quit in July/Aug. Has anyone in their 30’s/early 40’s done some


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397207+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
How do apps like TikTok track users even when they're not using the app, and what are the implications for privacy?


topic_name: What you see may not be the truth.#shorts
source: youtube
region: US
url: https://youtube.com/watch?v=e1ZumhDz588
collected_at: 2026-02-12T00:04:30.534612
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "e1ZumhDz588", "channel": "SilentReflection ", "category": "Entertainment", "category_id": 24, "views": "7253914", "view_count": 7253914, "likes": "417015", "published_at": "2026-02-08T12:07:44Z"}


topic_name: Psycho Forces People To Dance In Elevator! 😨
source: youtube
region: CA
url: https://youtube.com/watch?v=KIeHY9j5hn8
collected_at: 2026-02-12T00:04:31.506214
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "KIeHY9j5hn8", "channel": "Crime Catchers", "category": "Entertainment", "category_id": 24, "views": "9517096", "view_count": 9517096, "likes": "350395", "published_at": "2026-02-07T00:00:32Z"}


topic_name: Seahawks parade 2026 recap: Players, fans celebrate Super Bowl in Seattle - The Seattle Times
source: google_news
region: US
collected_at: 2026-02-12T00:04:32.195463
autocomplete: []
category: Headlines
reddit_subreddits: []
signal_type: news_context
url:

metadata:
{"published": "Wed, 11 Feb 2026 23:45:03 GMT", "source_publication": "The Seattle Times", "category": "Headlines"}


topic_name: Best Banks to Use after using Bank of America
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814880+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r1q3bo/best_banks_to_use_after_using_bank_of_america/

metadata:
{"subreddit": "personalfinance", "post_id": "1r1q3bo", "score": 19, "num_comments": 31, "created_utc": 1770791955.0, "selftext": "I have gone to the same bank since i was 17, and after going through a scam that resulted in me having a negative balance (-249 dollars), I\u2019m considering changing banks after this issue is resolved. I\u2019m 24, no previous financial issues, no credit history, only have a debit card, and have limit job and money experience. Any recommendation?", "sort": "hot", "upvote_ratio": 0.82, "author": "MathematicianOk8337"}

selftext:
I have gone to the same bank since i was 17, and after going through a scam that resulted in me having a negative balance (-249 dollars), I’m considering changing banks after this issue is resolved. I’m 24, no previous financial issues, no credit history, only have a debit card, and have limit job and money experience. Any recommendation?


topic_name: Mom with dementia, on hospice; needs assisted living; how to pay for it
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1ql34c8/mom_with_dementia_on_hospice_needs_assisted/
collected_at: 2026-02-12T00:04:45.418180+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1ql34c8", "score": 476, "num_comments": 311, "created_utc": 1769202691.0, "selftext": "Situation: My mother is currently on palliative care in an area hospital for kidney failure and metastatic cancer, and also has dementia. We need to move her into hospice and into a memory care facility **immediately**.\n\nHer assets:\n\n* $20k in liquid savings\n* $11k in IRA\n* $2591/mo in Social Security income\n* Four life insurance policies with cash values of $18.3k, $3942, and two more small policies with unknown values\n* A home (paid off) with a Zillow estimate of $339k\n* A car with an approx. ", "sort": "top", "upvote_ratio": 0.91, "author": "georgecm12"}

selftext:
Situation: My mother is currently on palliative care in an area hospital for kidney failure and metastatic cancer, and also has dementia. We need to move her into hospice and into a memory care facility **immediately**.

Her assets:

* $20k in liquid savings
* $11k in IRA
* $2591/mo in Social Security income
* Four life insurance policies with cash values of $18.3k, $3942, and two more small policies with unknown values
* A home (paid off) with a Zillow estimate of $339k
* A car with an approx. 


topic_name: Help
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0qi5o/help/
collected_at: 2026-02-12T00:04:50.635709+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0qi5o", "score": 23, "num_comments": 62, "created_utc": 1770695976.0, "selftext": "This is my first time on the lot. (Many Lessons Learned.) I purchased a used 2023 Nissan Rogue (98,649 miles) zero down as-is on 01/31/2026 at Hudson Nissan. Upon purchase, I was notified by the dealer that it had an open recall (R25D1) (NHTSA 25V-437). Literally after 5 days after purchase, the vehicle engine failed on the highway almost causing a wreck with my 6yr old step child in the vehicle as well. I was stranded for hours on the side of the road and had to pay for a tow truck back to the ", "sort": "hot", "upvote_ratio": 0.74, "author": "Available_Hope_9371"}

selftext:
This is my first time on the lot. (Many Lessons Learned.) I purchased a used 2023 Nissan Rogue (98,649 miles) zero down as-is on 01/31/2026 at Hudson Nissan. Upon purchase, I was notified by the dealer that it had an open recall (R25D1) (NHTSA 25V-437). Literally after 5 days after purchase, the vehicle engine failed on the highway almost causing a wreck with my 6yr old step child in the vehicle as well. I was stranded for hours on the side of the road and had to pay for a tow truck back to the 


topic_name: Anyone else stuck in survival mode even after things improve
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1bkcd/anyone_else_stuck_in_survival_mode_even_after/
collected_at: 2026-02-12T00:04:59.457469+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1bkcd", "score": 47, "num_comments": 16, "created_utc": 1770754015.0, "selftext": "I spent most of my adult life thinking financial stability was something meant for other people.\n\nRetail work, student loans, rent eating half my paycheck. My goal was never getting ahead. It was just making it to the next month without something breaking or over drafting.\n\nRecently, something happened that took away the biggest monthly pressure I have ever had. What surprised me was not the relief. It was how hard it is to stop thinking like I am still in survival mode.\n\nI still hesitate at the", "sort": "hot", "upvote_ratio": 0.89, "author": "Rich-Mirror230"}

selftext:
I spent most of my adult life thinking financial stability was something meant for other people.

Retail work, student loans, rent eating half my paycheck. My goal was never getting ahead. It was just making it to the next month without something breaking or over drafting.

Recently, something happened that took away the biggest monthly pressure I have ever had. What surprised me was not the relief. It was how hard it is to stop thinking like I am still in survival mode.

I still hesitate at the


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489225+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
I tried to do something small for my kid today and I don’t know how to accept help without teaching them shame

url:
https://reddit.com/r/povertyfinance/comments/1qgxt53/i_tried_to_do_something_small_for_my_kid_today/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qgxt53", "score": 1333, "num_comments": 136, "created_utc": 1768808024.0, "selftext": "I don\u2019t really know how to word this, so I\u2019m just going to say it the way it happened.\nToday my kid asked me if we were \u201clow on groceries.\u201d Not in a complaining way. Not in a dramatic way. Just\u2026 observant. Calm. Like they were checking the weather. That\u2019s what got me.\nI told them we were fine. That we just needed to be smart for a bit. Which is technically true. But what I didn\u2019t say is that I already knew exactly how many meals we had left, which ones I could stretch, and which ones I\u2019d quietly", "sort": "top", "upvote_ratio": 0.97, "author": "Inevitable_Newt_3373"}

selftext:
I don’t really know how to word this, so I’m just going to say it the way it happened.
Today my kid asked me if we were “low on groceries.” Not in a complaining way. Not in a dramatic way. Just… observant. Calm. Like they were checking the weather. That’s what got me.
I told them we were fine. That we just needed to be smart for a bit. Which is technically true. But what I didn’t say is that I already knew exactly how many meals we had left, which ones I could stretch, and which ones I’d quietly


topic_name: [AU] 2026 Spotify Billing Phishing Email
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1w0aj/au_2026_spotify_billing_phishing_email/
collected_at: 2026-02-12T00:05:08.886683+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1w0aj", "score": 2, "num_comments": 3, "created_utc": 1770812745.0, "selftext": "Just putting this out there to be aware of if you use Spotify.  \nI found it strange that it had a pasted segment from Wikipedia on Christianity.\n\nShortened text from email:\n\n# Your payment was not successful\n\nWe couldn't process payment for your\u00a0**Premium Subscription**. Your card may have expired or the transaction may have been declined by the bank.\n\nIf you don't update your payment, your account will be suspended and switched to the free version within 24 hours.\n\nUPDATE YOUR BILLING\u00a0\n\nThank y", "sort": "hot", "upvote_ratio": 1.0, "author": "Professional-Long19"}

selftext:
Just putting this out there to be aware of if you use Spotify.  
I found it strange that it had a pasted segment from Wikipedia on Christianity.

Shortened text from email:

# Your payment was not successful

We couldn't process payment for your **Premium Subscription**. Your card may have expired or the transaction may have been declined by the bank.

If you don't update your payment, your account will be suspended and switched to the free version within 24 hours.

UPDATE YOUR BILLING 

Thank y


topic_name: [US] friend receiving assassination threats from two separate numbers
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qyjra8/us_friend_receiving_assassination_threats_from/
collected_at: 2026-02-12T00:05:12.358873+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qyjra8", "score": 197, "num_comments": 63, "created_utc": 1770485276.0, "selftext": "a friend of mine first received lengthy messages claiming that the person had been paid to assassinate her by a coworker. the person demands thousands of dollars from her in return for her safety, and a \u201ctape\u201d of evidence against the person that originally requested the assassination? (first five slides) \n\n\u201cI want you to read this message carefully, and keep the secret with you till further notice,you have no needs or knowing who 1am, where l am from till i make out a space for us to see,l have ", "sort": "top", "upvote_ratio": 0.88, "author": "breakfasteatr"}

selftext:
a friend of mine first received lengthy messages claiming that the person had been paid to assassinate her by a coworker. the person demands thousands of dollars from her in return for her safety, and a “tape” of evidence against the person that originally requested the assassination? (first five slides) 

“I want you to read this message carefully, and keep the secret with you till further notice,you have no needs or knowing who 1am, where l am from till i make out a space for us to see,l have 


topic_name: Completely covering your ONLY menu with ADS
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1q6cv21/completely_covering_your_only_menu_with_ads/
collected_at: 2026-02-12T00:05:17.889757+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1q6cv21", "score": 2622, "num_comments": 121, "created_utc": 1767784985.0, "selftext": "Was at a Walmart subway trying to order &amp; they would legit cover their entire menu with promos. Even when the whole thing wasn't covered I would be looking at the new \"Fresh Fit\" offerings &amp; they run an AD RIGHT OVER those sandwiches (pic 2-3) Made ordering WAY more annoying than it should be", "sort": "hot", "upvote_ratio": 0.97, "author": "Mr_Impossibro"}

selftext:
Was at a Walmart subway trying to order &amp; they would legit cover their entire menu with promos. Even when the whole thing wasn't covered I would be looking at the new "Fresh Fit" offerings &amp; they run an AD RIGHT OVER those sandwiches (pic 2-3) Made ordering WAY more annoying than it should be


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qytjn4/no_phone_no_lights_no_motorcar_not_a_single/
collected_at: 2026-02-12T00:05:26.020481+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
“No phone, no lights, no motorcar. Not a single luxury.” But there is a phone, and a FB page. Joe, (nothing on Naomi, yet), a serial scammer, is into wild conspiracy theories, horses, soft porn, and wrestling.

metadata:
{"subreddit": "antiMLM", "post_id": "1qytjn4", "score": 174, "num_comments": 77, "created_utc": 1770508662.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "Willing_Chemical1257"}


topic_name: I felt that this Optivia hun peeling into a Taco Bell was… poetic
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qoulgx/i_felt_that_this_optivia_hun_peeling_into_a_taco/
collected_at: 2026-02-12T00:05:30.135120+00:00
autocomplete: []
selftext: Poor thing.
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qoulgx", "score": 263, "num_comments": 30, "created_utc": 1769556957.0, "selftext": "Poor thing.", "sort": "top", "upvote_ratio": 0.99, "author": "maefae"}


topic_name: Do I have to report this?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r259r8/do_i_have_to_report_this/
collected_at: 2026-02-12T00:05:44.256646+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r259r8", "score": 1, "num_comments": 7, "created_utc": 1770834352.0, "selftext": "I really don\u2019t know much about insurance so advice is needed. So 7 months ago I hit my neighbors mailbox, I confronted them and paid for the damage. My car has some damage, mainly cosmetic. I\u2019ve been driving with a busted up bumper and I would like to get it fixed. I plan on fixing it in full. But in order to fix it do I have to notify insurance? I don\u2019t know if body shops will give me a quote if I didn\u2019t report it. The accident hasn\u2019t affect my driving. Only the busted up bumper and my bottom f", "sort": "hot", "upvote_ratio": 0.6, "author": "ComplaintFit204"}

selftext:
I really don’t know much about insurance so advice is needed. So 7 months ago I hit my neighbors mailbox, I confronted them and paid for the damage. My car has some damage, mainly cosmetic. I’ve been driving with a busted up bumper and I would like to get it fixed. I plan on fixing it in full. But in order to fix it do I have to notify insurance? I don’t know if body shops will give me a quote if I didn’t report it. The accident hasn’t affect my driving. Only the busted up bumper and my bottom f


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qwwoli/pregnant_wife_passenger_in_accident_received_full/
collected_at: 2026-02-12T00:05:47.658359+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
Pregnant wife passenger in accident. Received full release of all injury claims with indemnity form to sign

metadata:
{"subreddit": "Insurance", "post_id": "1qwwoli", "score": 19, "num_comments": 45, "created_utc": 1770323530.0, "selftext": "Good afternoon and thanks for reading. \n\nMy wife and I were hit head on when we were stopped at a red light. Wife is okay for now with no current injuries, and baby was checked out and was still healthy with no complications. She is due in May. We are receiving payout for the car from the at-fault insurance (Progressive, same carrier as myself). \n\nNow my concern is that we received a Full Release Of All Injury Claims with Indemnity form to sign, which as I\u2019m reading will release the other party ", "sort": "top", "upvote_ratio": 0.73, "author": "trailmixorz"}

selftext:
Good afternoon and thanks for reading. 

My wife and I were hit head on when we were stopped at a red light. Wife is okay for now with no current injuries, and baby was checked out and was still healthy with no complications. She is due in May. We are receiving payout for the car from the at-fault insurance (Progressive, same carrier as myself). 

Now my concern is that we received a Full Release Of All Injury Claims with Indemnity form to sign, which as I’m reading will release the other party 


topic_name: Litchfield v. Angi Inc.
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1pz7ttz/litchfield_v_angi_inc/
collected_at: 2026-02-12T00:05:53.366310+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1pz7ttz", "score": 1, "num_comments": 0, "created_utc": 1767067109.0, "selftext": "Hi darkpatterns community, I have filed a federal lawsuit ([3:25-cv-02394-SI](https://www.courtlistener.com/docket/72074717/litchfield-v-angi-inc/?filed_after=&amp;filed_before=&amp;entry_gte=&amp;entry_lte=&amp;order_by=desc)) through the US District Court, District of Oregon (9th circuit) against Angi Inc., alleging violations of Oregon's Unlawful Trading Practices Act (ORS 646.608), including:\n\n* \u274c **A Deceptive Registration Funnel**: login at [homeadvisor.com](http://homeadvisor.com) registe", "sort": "hot", "upvote_ratio": 0.6, "author": "marclitchfield"}

selftext:
Hi darkpatterns community, I have filed a federal lawsuit ([3:25-cv-02394-SI](https://www.courtlistener.com/docket/72074717/litchfield-v-angi-inc/?filed_after=&amp;filed_before=&amp;entry_gte=&amp;entry_lte=&amp;order_by=desc)) through the US District Court, District of Oregon (9th circuit) against Angi Inc., alleging violations of Oregon's Unlawful Trading Practices Act (ORS 646.608), including:

* ❌ **A Deceptive Registration Funnel**: login at [homeadvisor.com](http://homeadvisor.com) registe


topic_name: You can join three used USPS mailing tubes and make a free cat tunnel
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qyzgi7/you_can_join_three_used_usps_mailing_tubes_and/
collected_at: 2026-02-12T00:06:01.656915+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qyzgi7", "score": 1417, "num_comments": 42, "created_utc": 1770525248.0, "selftext": "I collect and sell posters. The USPS delivered my mailing tubes in the rain, so they got all damp and mushy. \n\nI was about to throw them out when I realized three of them make a large tube.\n\nBehold: the priority meowspress tube! \n\nThey just slot into each other. You can fold the tops in and they make the corners strong.\n\nThese tubes aren't available in the post office you have to order them from the web site.", "sort": "hot", "upvote_ratio": 0.97, "author": "Capybara_barrage"}

selftext:
I collect and sell posters. The USPS delivered my mailing tubes in the rain, so they got all damp and mushy. 

I was about to throw them out when I realized three of them make a large tube.

Behold: the priority meowspress tube! 

They just slot into each other. You can fold the tops in and they make the corners strong.

These tubes aren't available in the post office you have to order them from the web site.


topic_name: What are your ultra frugal food hacks?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qsd905/what_are_your_ultra_frugal_food_hacks/
collected_at: 2026-02-12T00:06:05.044514+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qsd905", "score": 493, "num_comments": 476, "created_utc": 1769891182.0, "selftext": "Looking for advice on meals you\u2019ve eaten when budgets are really tight. My divorce left me in a bad spot financially, and I\u2019m currently spending a lot of money on education for my career, but until that is finished, I don\u2019t have an income other than the odd jobs I am picking up \n\nCurrently I\u2019m drinking three Fairlife protein shakes a day, plus a potato, and some chicken thighs for dinner, but I\u2019m tryin my to get as frugal as I can \n\nWhat have you found to be the most cost effective way to eat fo", "sort": "top", "upvote_ratio": 0.93, "author": "Unusual_Row_3213"}

selftext:
Looking for advice on meals you’ve eaten when budgets are really tight. My divorce left me in a bad spot financially, and I’m currently spending a lot of money on education for my career, but until that is finished, I don’t have an income other than the odd jobs I am picking up 

Currently I’m drinking three Fairlife protein shakes a day, plus a potato, and some chicken thighs for dinner, but I’m tryin my to get as frugal as I can 

What have you found to be the most cost effective way to eat fo


topic_name: My 5x-4x-3x-2x setup. Anything i should do better?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r29gu5/my_5x4x3x2x_setup_anything_i_should_do_better/
collected_at: 2026-02-12T00:06:10.587870+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r29gu5", "score": 0, "num_comments": 17, "created_utc": 1770843625.0, "selftext": "My main categories for spend are travel and dining. A lot of it is international, so US-only rewards wouldn't work (like Amex), and also don't like having a cap on spending for rewards. So i only consider unlimited rewards cards.\n\nBack in the Day i had the USBAR which was 4.5% on almost everything and unlimited. But that card died unfortunately.\n\n\\--\n\nMy new setup is this one:\n\nVenture X: 2% on everything, unlimited priority pass, and the travel credits and annual bonus mean the card is almost f", "sort": "hot", "upvote_ratio": 0.38, "author": "Bionic_Push"}

selftext:
My main categories for spend are travel and dining. A lot of it is international, so US-only rewards wouldn't work (like Amex), and also don't like having a cap on spending for rewards. So i only consider unlimited rewards cards.

Back in the Day i had the USBAR which was 4.5% on almost everything and unlimited. But that card died unfortunately.

\--

My new setup is this one:

Venture X: 2% on everything, unlimited priority pass, and the travel credits and annual bonus mean the card is almost f


topic_name: Landlord lets me pay rent via credit card NO FEE, what card is the best?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qupunj/landlord_lets_me_pay_rent_via_credit_card_no_fee/
collected_at: 2026-02-12T00:06:13.782080+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qupunj", "score": 147, "num_comments": 84, "created_utc": 1770119303.0, "selftext": "RIP BILT \ud83e\udea6\n\nFound out my landlord lets me pay rent with a credit card with no fee. I used my 1.5% Quicksilver this month but want something more.\n\nUnfortunately it does not accept my 2.5% catch all Coinbase Card because AMEX isn\u2019t accepted. The portal only accepts VISA, Mastercard, and Discover.\n\nAny recommendations?\n\nEdit: Thank you all for the help, looks like I might be churning here shortly.", "sort": "top", "upvote_ratio": 0.94, "author": "walkerwaifu"}

selftext:
RIP BILT 🪦

Found out my landlord lets me pay rent with a credit card with no fee. I used my 1.5% Quicksilver this month but want something more.

Unfortunately it does not accept my 2.5% catch all Coinbase Card because AMEX isn’t accepted. The portal only accepts VISA, Mastercard, and Discover.

Any recommendations?

Edit: Thank you all for the help, looks like I might be churning here shortly.


topic_name: In-laws house condemned, I helped the police take their cat
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r28hc6/inlaws_house_condemned_i_helped_the_police_take/
collected_at: 2026-02-12T00:06:18.920850+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r28hc6", "score": 2, "num_comments": 0, "created_utc": 1770841391.0, "selftext": "Location: Missouri\n\n  \nShort version of the story:\u00a0\u00a0My wife\u2019s parents are hoarders and are bedridden. They were recently both taken to the hospital and while they were there, the state condemned their home. They had a cat that my wife and I were feeding for a while, but I eventually called the police after a couple weeks and reported the animal as abandoned. The cops came to remove the cat. I didn\u2019t open the door, but her parents have a small lockbox on the door with a key. I gave the cop the co", "sort": "hot", "upvote_ratio": 1.0, "author": "inkydunk"}

selftext:
Location: Missouri

  
Short version of the story:  My wife’s parents are hoarders and are bedridden. They were recently both taken to the hospital and while they were there, the state condemned their home. They had a cat that my wife and I were feeding for a while, but I eventually called the police after a couple weeks and reported the animal as abandoned. The cops came to remove the cat. I didn’t open the door, but her parents have a small lockbox on the door with a key. I gave the cop the co


source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356514+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
I left a 1-star Google review for a contractor and now he’s threatening to sue me for defamation unless I take it down. What am I supposed to do?

url:
https://reddit.com/r/legaladvice/comments/1qh749v/i_left_a_1star_google_review_for_a_contractor_and/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qh749v", "score": 1447, "num_comments": 87, "created_utc": 1768836381.0, "selftext": "location: Texas, USA\n\nI\u2019m 29M and hired a small home repair contractor to do some basic work (replace a few interior doors, fix a section of baseboard, patch a couple drywall spots). Nothing fancy. We agreed in writing by text on the scope and a total price, and I paid a deposit through Zelle. He showed up late the first day, did maybe 2 hours of work, left a mess, and then kept rescheduling for almost three weeks. When he finally came back, the door he installed wouldn\u2019t latch, the trim had gap", "sort": "top", "upvote_ratio": 0.95, "author": "BrightRoomDept"}

selftext:
location: Texas, USA

I’m 29M and hired a small home repair contractor to do some basic work (replace a few interior doors, fix a section of baseboard, patch a couple drywall spots). Nothing fancy. We agreed in writing by text on the scope and a total price, and I paid a deposit through Zelle. He showed up late the first day, did maybe 2 hours of work, left a mess, and then kept rescheduling for almost three weeks. When he finally came back, the door he installed wouldn’t latch, the trim had gap


topic_name: LPT Request: how to rest 'properly?'
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qx8yr0/lpt_request_how_to_rest_properly/
collected_at: 2026-02-12T00:06:28.286035+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qx8yr0", "score": 257, "num_comments": 63, "created_utc": 1770355416.0, "selftext": "Hello. I'm a college student, and I have a serious problem in life: I don't know how to rest.\n\nWhen I was in high school, I kept studying all day. And even back then, although I did rest sometimes, watching YouTube or something, I didn't feel like I'm resting well - watching youtube felt like time-wasting.\n\nAnd I could maintain that life because there were a 'clear' goals back then - the school exam that I could face 'right away.' And it made me not care about that problem. It made me 'not reali", "sort": "hot", "upvote_ratio": 0.9, "author": "syjeon82"}

selftext:
Hello. I'm a college student, and I have a serious problem in life: I don't know how to rest.

When I was in high school, I kept studying all day. And even back then, although I did rest sometimes, watching YouTube or something, I didn't feel like I'm resting well - watching youtube felt like time-wasting.

And I could maintain that life because there were a 'clear' goals back then - the school exam that I could face 'right away.' And it made me not care about that problem. It made me 'not reali


topic_name: Finally bit the Briggs and Riley bullet
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r2cjkz/finally_bit_the_briggs_and_riley_bullet/
collected_at: 2026-02-12T00:06:36.789661+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r2cjkz", "score": 0, "num_comments": 10, "created_utc": 1770850682.0, "selftext": "After reading thousands of luggage posts and having Delta destroy my 3rd checked bag in 6 months, I found myself on a trip with the need to buy a bag to get back home. I went to Dillard\u2019s and actually talked them down about 20%. Here\u2019s to hoping Delta doesn\u2019t make me try out the lifetime warranty.", "sort": "hot", "upvote_ratio": 0.37, "author": "dsweezy4"}

selftext:
After reading thousands of luggage posts and having Delta destroy my 3rd checked bag in 6 months, I found myself on a trip with the need to buy a bag to get back home. I went to Dillard’s and actually talked them down about 20%. Here’s to hoping Delta doesn’t make me try out the lifetime warranty.


topic_name: 2 years and 150+ flights with Marlondo's Executive Briefcase
source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492244+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qqpd91/2_years_and_150_flights_with_marlondos_executive/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qqpd91", "score": 1064, "num_comments": 123, "created_utc": 1769730884.0, "selftext": "It's now been 2 years since I bought this executive briefcase from Marlondo Leather Company.  I've taken it to work with me nearly every single weekday and brought it aboard over 150 planes as my personal item.  This is the 16\" version in tobacco veg-tan.\n\nIt's been a worthy companion to me.  It fits perfectly under the seat of every airplane I've brought it on from CRJs to 777s.  The tightest fit is some aisle seats on 737-700, -800, and -900, but it's still fine if you position the top handle ", "sort": "top", "upvote_ratio": 0.94, "author": "Jose_Gonzales_2003"}

selftext:
It's now been 2 years since I bought this executive briefcase from Marlondo Leather Company.  I've taken it to work with me nearly every single weekday and brought it aboard over 150 planes as my personal item.  This is the 16" version in tobacco veg-tan.

It's been a worthy companion to me.  It fits perfectly under the seat of every airplane I've brought it on from CRJs to 777s.  The tightest fit is some aisle seats on 737-700, -800, and -900, but it's still fine if you position the top handle 


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397210+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
How does AI-powered health coaching in devices like Fitbit work, and what are its potential benefits and limitations?


topic_name: The Jake Paul Theory
source: youtube
region: US
url: https://youtube.com/watch?v=K6m8aWMf7yQ
collected_at: 2026-02-12T00:04:30.766206
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "K6m8aWMf7yQ", "channel": "Tactical path", "category": "Sports", "category_id": 17, "views": "7045791", "view_count": 7045791, "likes": "313568", "published_at": "2026-02-02T04:33:37Z"}


topic_name: No Humans at Experian
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2ctt1/no_humans_at_experian/
collected_at: 2026-02-12T00:04:41.814884+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2ctt1", "score": 0, "num_comments": 4, "created_utc": 1770851354.0, "selftext": "Experian would not recognize my PIN, my phone # and my email address and I could not access my account both online and by telephone.  I called three different numbers and ended up in the same black, robotic hole.  My only option is to write them a letter!  Because of this my, credit check for phone service was held up.  Unbelievably the phone company wanted to access all three credit agenies to set up my account. Does anyone know a way to reach a live person at Experian?", "sort": "hot", "upvote_ratio": 0.5, "author": "Unlucky-Bumblebee685"}

selftext:
Experian would not recognize my PIN, my phone # and my email address and I could not access my account both online and by telephone.  I called three different numbers and ended up in the same black, robotic hole.  My only option is to write them a letter!  Because of this my, credit check for phone service was held up.  Unbelievably the phone company wanted to access all three credit agenies to set up my account. Does anyone know a way to reach a live person at Experian?


topic_name: Mom committed identity fraud against me. I don't want to be homeless.
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418183+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1ql3klm/mom_committed_identity_fraud_against_me_i_dont/

metadata:
{"subreddit": "personalfinance", "post_id": "1ql3klm", "score": 480, "num_comments": 111, "created_utc": 1769203734.0, "selftext": "I'm living with my mom and I don't have anywhere else to go. I don't have friends or family members, nobody will hire me for work and even when I was working full time and overtime I didn't make enough for rent in the cheapest 1 bedroom apartment I could find.\n\nI just got a piece of mail that says if I fail to pay something that isn't mine then they're going to reach out to the credit beerus over it. I don't know what to do.\n\nLast time I got into an argument over this with my mom she told me she", "sort": "top", "upvote_ratio": 0.89, "author": "[deleted]"}

selftext:
I'm living with my mom and I don't have anywhere else to go. I don't have friends or family members, nobody will hire me for work and even when I was working full time and overtime I didn't make enough for rent in the cheapest 1 bedroom apartment I could find.

I just got a piece of mail that says if I fail to pay something that isn't mine then they're going to reach out to the credit beerus over it. I don't know what to do.

Last time I got into an argument over this with my mom she told me she


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1c23o/2001_isuzu_nprhd_truck_with_original_engine_in/
collected_at: 2026-02-12T00:04:50.635713+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
2001 Isuzu NPR-HD truck with original engine in California. What will it cost me to get it registered?

metadata:
{"subreddit": "askcarsales", "post_id": "1r1c23o", "score": 1, "num_comments": 12, "created_utc": 1770755082.0, "selftext": "Like the title says, I have a 2001 Isuzu NPR-HD that hasn't been registered since 2009 (currently non-op status). It's been sitting in my shop for quite a long time. I I purchased it around 2012 for dirt cheap. The issue is with the new California law I cannot register or sell the vehicle due to it being a \"heavy duty diesel\" that has an engine that's older than 2010 and weighs over 14.000 lbs. Has anyone on here had to deal with this issue with something in their inventory? I am curious what it", "sort": "hot", "upvote_ratio": 0.67, "author": "ToolRepair"}

selftext:
Like the title says, I have a 2001 Isuzu NPR-HD that hasn't been registered since 2009 (currently non-op status). It's been sitting in my shop for quite a long time. I I purchased it around 2012 for dirt cheap. The issue is with the new California law I cannot register or sell the vehicle due to it being a "heavy duty diesel" that has an engine that's older than 2010 and weighs over 14.000 lbs. Has anyone on here had to deal with this issue with something in their inventory? I am curious what it


topic_name: Any advice?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r21oq8/any_advice/
collected_at: 2026-02-12T00:04:59.457476+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r21oq8", "score": 1, "num_comments": 2, "created_utc": 1770826670.0, "selftext": "I have a strong support system thankfully (from my parents)\n\nBut I\u2019m looking to see how to save more and where to start \n\nI am 18 and getting my ba in business undecided but I keep on easing money\n\nAnd I even considered joining the Air Force bc I want to be disciplined\n\nBut I want to stay in school, so first how can I start saving more? I have 4 k in  money market account and a few hindered in a savings ", "sort": "hot", "upvote_ratio": 0.57, "author": "Difficult_Mistake935"}

selftext:
I have a strong support system thankfully (from my parents)

But I’m looking to see how to save more and where to start 

I am 18 and getting my ba in business undecided but I keep on easing money

And I even considered joining the Air Force bc I want to be disciplined

But I want to stay in school, so first how can I start saving more? I have 4 k in  money market account and a few hindered in a savings 


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489228+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
My bank charged me a $10 convenience fee for each loan payment I had to make using a separate account’s debit card.

url:
https://reddit.com/r/povertyfinance/comments/1qpiddo/my_bank_charged_me_a_10_convenience_fee_for_each/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qpiddo", "score": 1335, "num_comments": 129, "created_utc": 1769622419.0, "selftext": "Like, I had to do that because I didn\u2019t have any money in that bank account. So they scalp me for another $20. So infuriating. ", "sort": "top", "upvote_ratio": 0.96, "author": "MipTheDruid"}

selftext:
Like, I had to do that because I didn’t have any money in that bank account. So they scalp me for another $20. So infuriating. 


topic_name: Job scam recruiter after applying to jobs here? https://jobs.centene.com/us/en
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r20mt6/job_scam_recruiter_after_applying_to_jobs_here/
collected_at: 2026-02-12T00:05:08.886687+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r20mt6", "score": 0, "num_comments": 10, "created_utc": 1770824309.0, "selftext": "I'm pretty sure this is a scam recruiter that's contacting me through gmail, but I can't figure it out and it keeps bugging me. I applied to a data job I found on LinkedIn for a company called Centene Corporation. The LinkedIn page looks normal. I searched for the company's web site, and applied to the job directly. The web site for the job matches what is listed on the wikipedia article for the company, and they use a workday portal to manage job applications.\n\nAfter applying, I get an email a ", "sort": "hot", "upvote_ratio": 0.5, "author": "PMmeyourstory91"}

selftext:
I'm pretty sure this is a scam recruiter that's contacting me through gmail, but I can't figure it out and it keeps bugging me. I applied to a data job I found on LinkedIn for a company called Centene Corporation. The LinkedIn page looks normal. I searched for the company's web site, and applied to the job directly. The web site for the job matches what is listed on the wikipedia article for the company, and they use a workday portal to manage job applications.

After applying, I get an email a 


topic_name: Mom victim of large romance/crypto scam. Did I take the right steps?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qc2916/mom_victim_of_large_romancecrypto_scam_did_i_take/
collected_at: 2026-02-12T00:05:12.358876+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qc2916", "score": 191, "num_comments": 108, "created_utc": 1768335865.0, "selftext": "I recently discovered that my mom had been the victim of a romance/crypto scam. Over the course of a few months, she was emotionally manipulated by someone she met online to download a fake crypto app and believing she had become rich with Bitcoin, took out multiple loans to \"pay taxes\" and receive her winnings. \n\nBy the time we found out:\n\n* She had borrowed and lost $800k total\n* She had taken out loans against her home\n* She bought a luxury car thinking she was rich\n* Her savings are gone\n* S", "sort": "top", "upvote_ratio": 0.98, "author": "Prestigious_Fly_2615"}

selftext:
I recently discovered that my mom had been the victim of a romance/crypto scam. Over the course of a few months, she was emotionally manipulated by someone she met online to download a fake crypto app and believing she had become rich with Bitcoin, took out multiple loans to "pay taxes" and receive her winnings. 

By the time we found out:

* She had borrowed and lost $800k total
* She had taken out loans against her home
* She bought a luxury car thinking she was rich
* Her savings are gone
* S


topic_name: Adfly-like site: I need to install unrelated app to see my link
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889760+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1q5mxnj/adflylike_site_i_need_to_install_unrelated_app_to/

metadata:
{"subreddit": "assholedesign", "post_id": "1q5mxnj", "score": 388, "num_comments": 18, "created_utc": 1767716193.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.94, "author": "SayaZero"}


topic_name: Are there Non Profit Organization that are considered an MLM?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r02wx9/are_there_non_profit_organization_that_are/
collected_at: 2026-02-12T00:05:26.020485+00:00
autocomplete: []
selftext: I truly believe TPUSA (Turning Point USA) is
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1r02wx9", "score": 0, "num_comments": 16, "created_utc": 1770640126.0, "selftext": "I truly believe TPUSA (Turning Point USA) is ", "sort": "hot", "upvote_ratio": 0.41, "author": "MulberryDependent459"}


topic_name: Renters insurance, Apartmentt wants to be listed as requestor
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r24br2/renters_insurance_apartmentt_wants_to_be_listed/
collected_at: 2026-02-12T00:05:44.256650+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r24br2", "score": 1, "num_comments": 2, "created_utc": 1770832367.0, "selftext": "I'm currently in the process of moving to a new apartment. I submitted by renter's insurance listing them as the \"additional insured\". They said this was incorrect and instructed me to remove them as the \"additional insured\" and list them as \"requestor\". I contacted my insurance provider and were confused about this request. Can anyone explain why they would want this?", "sort": "hot", "upvote_ratio": 1.0, "author": "Frequent_Subject8029"}

selftext:
I'm currently in the process of moving to a new apartment. I submitted by renter's insurance listing them as the "additional insured". They said this was incorrect and instructed me to remove them as the "additional insured" and list them as "requestor". I contacted my insurance provider and were confused about this request. Can anyone explain why they would want this?


topic_name: Geico will not provide policy number of other driver in hit and run
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qi7au5/geico_will_not_provide_policy_number_of_other/
collected_at: 2026-02-12T00:05:47.658362+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qi7au5", "score": 20, "num_comments": 40, "created_utc": 1768929868.0, "selftext": "Was sitting at a stoplight in the snowstorm when a car coming around the other way, making the right slid into my car as they made the turn\u2026 They fled the scene, but I got their plate\u2026 Cops ran the plate and included all the information in the accident report\u2026 GEICO is the other car\u2019s insurance company.\n\nMy insurance company Allstate says that GEICO is the one insurance company that they deal with that tries to disown a situation like this. GEICO will not open a claim because no policy number wa", "sort": "top", "upvote_ratio": 0.72, "author": "Curious-Music-3838"}

selftext:
Was sitting at a stoplight in the snowstorm when a car coming around the other way, making the right slid into my car as they made the turn… They fled the scene, but I got their plate… Cops ran the plate and included all the information in the accident report… GEICO is the other car’s insurance company.

My insurance company Allstate says that GEICO is the one insurance company that they deal with that tries to disown a situation like this. GEICO will not open a claim because no policy number wa


source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366314+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
topic_name:
Refund options on Amazon make it look like there’s only two options but there’s a hidden one when you select the bottom blue text.

url:
https://reddit.com/r/darkpatterns/comments/1pqd45y/refund_options_on_amazon_make_it_look_like_theres/

metadata:
{"subreddit": "darkpatterns", "post_id": "1pqd45y", "score": 64, "num_comments": 3, "created_utc": 1766122334.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "CreeperDoolie"}


topic_name: Buying Fruits for one : frozen / fresh - and where ?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qztyid/buying_fruits_for_one_frozen_fresh_and_where/
collected_at: 2026-02-12T00:06:01.656919+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qztyid", "score": 6, "num_comments": 19, "created_utc": 1770609517.0, "selftext": "So if i am trying to eat healthy and trying to incorporate more greens and fruits - fruits mostly since its easier to eat on the go and can be prepared fast. What/ where do i shop from such that i get the best bang for my buck. I don\u2019t like having fruits go bad so I am thinking of buying frozen ones. I have friends who has a Costco / sam\u2019s who told me the stuff are comparably cheaper than walmart or aldis for same stuff. What do y\u2019all suggest i get it from or if theres any alternatives? Any sugg", "sort": "hot", "upvote_ratio": 0.63, "author": "Bynues"}

selftext:
So if i am trying to eat healthy and trying to incorporate more greens and fruits - fruits mostly since its easier to eat on the go and can be prepared fast. What/ where do i shop from such that i get the best bang for my buck. I don’t like having fruits go bad so I am thinking of buying frozen ones. I have friends who has a Costco / sam’s who told me the stuff are comparably cheaper than walmart or aldis for same stuff. What do y’all suggest i get it from or if theres any alternatives? Any sugg


topic_name: How many you dry your clothes on a clothesline instead of using a dryer?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qlxo43/how_many_you_dry_your_clothes_on_a_clothesline/
collected_at: 2026-02-12T00:06:05.044517+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qlxo43", "score": 487, "num_comments": 539, "created_utc": 1769285931.0, "selftext": "Out of curiosity, how many you dry your clothes on a clothesline instead of using a machine dryer?\n\nMyself, I enjoy drying clothes on the line outside, especially when it is hot (95\u00b0F or above and electric power rates are a premium).  They do get a bit stiff compared to machine drying.  If it is 100\u00b0F and above, they usually crispy dry in a couple of hours.\n\nMy neighbors probably think I am crazy.", "sort": "top", "upvote_ratio": 0.93, "author": "ProffS"}

selftext:
Out of curiosity, how many you dry your clothes on a clothesline instead of using a machine dryer?

Myself, I enjoy drying clothes on the line outside, especially when it is hot (95°F or above and electric power rates are a premium).  They do get a bit stiff compared to machine drying.  If it is 100°F and above, they usually crispy dry in a couple of hours.

My neighbors probably think I am crazy.


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r29byt/been_on_the_robinhood_credit_card_waitlist/
collected_at: 2026-02-12T00:06:10.587874+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
Been on the Robinhood Credit Card waitlist forever — Gold member with Premier-level assets. Anyone else?

metadata:
{"subreddit": "CreditCards", "post_id": "1r29byt", "score": 0, "num_comments": 3, "created_utc": 1770843318.0, "selftext": "I\u2019ve been on the Robinhood Credit Card waitlist for a really long time now and I\u2019m starting to get a bit confused about how the rollout works.\n\nFor context:\n\n* I\u2019m a Robinhood Gold member\n* I have a brokerage account\n* I also contribute to both Traditional and Roth IRAs on the platform\n* My total assets are well above the Premier requirement\n\nI\u2019ve been actively using Robinhood for investing and long-term retirement contributions, so I was pretty excited about the credit card, specially since it ", "sort": "hot", "upvote_ratio": 0.5, "author": "MacaronLivid2350"}

selftext:
I’ve been on the Robinhood Credit Card waitlist for a really long time now and I’m starting to get a bit confused about how the rollout works.

For context:

* I’m a Robinhood Gold member
* I have a brokerage account
* I also contribute to both Traditional and Roth IRAs on the platform
* My total assets are well above the Premier requirement

I’ve been actively using Robinhood for investing and long-term retirement contributions, so I was pretty excited about the credit card, specially since it 


topic_name: New Changes to Bilt 2.0 Credit Card
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qesg50/new_changes_to_bilt_20_credit_card/
collected_at: 2026-02-12T00:06:13.782083+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qesg50", "score": 141, "num_comments": 165, "created_utc": 1768598123.0, "selftext": "They just released new changes/tweaks today(16Jan2026)....\n\nThe main tweaks to Bilt 2.0 are:\n\n* You will have two options for structuring your rewards for housing each month. You can opt for the originally announced plan (4% Bilt Cash) or utilize new earning tiers based on your monthly everyday spending on a Bilt card.\n* If you choose the new tiered structure option, you can earn up to 1.25 points per dollar of housing payment, an increase from before.\n* You can switch between the two options at", "sort": "top", "upvote_ratio": 0.9, "author": "_dhruv9496"}

selftext:
They just released new changes/tweaks today(16Jan2026)....

The main tweaks to Bilt 2.0 are:

* You will have two options for structuring your rewards for housing each month. You can opt for the originally announced plan (4% Bilt Cash) or utilize new earning tiers based on your monthly everyday spending on a Bilt card.
* If you choose the new tiered structure option, you can earn up to 1.25 points per dollar of housing payment, an increase from before.
* You can switch between the two options at


topic_name: halp
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2dzc3/halp/
collected_at: 2026-02-12T00:06:18.920854+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2dzc3", "score": 1, "num_comments": 1, "created_utc": 1770854249.0, "selftext": "Do NM warrants void after a year and would a 9 year old warrant for failure to appear for a vehicle theft (lowest level felony) still be active?\n\nLocation: New Mexico", "sort": "hot", "upvote_ratio": 1.0, "author": "Additional_Scene4705"}

selftext:
Do NM warrants void after a year and would a 9 year old warrant for failure to appear for a vehicle theft (lowest level felony) still be active?

Location: New Mexico


topic_name: How do I get out of "Mama Bear" legal forms?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qnvnjt/how_do_i_get_out_of_mama_bear_legal_forms/
collected_at: 2026-02-12T00:06:22.356518+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qnvnjt", "score": 1415, "num_comments": 49, "created_utc": 1769467444.0, "selftext": "Location: California\n\nBefore I went to college, my mom (well-meaning but overprotective) had me sign forms from \"Mama Bear Legal Forms\". They include health care directive and durable power of attorney, financial power of attorney, and HIPAA release. I have copies of all of them, and they are notarized.\n\nWhile I still have very good relationships with my parents, I don't want them to have access to all these things, especially HIPAA. What's the simplest way to remove these powers? Can I just shr", "sort": "top", "upvote_ratio": 0.96, "author": "cardiganfan2015"}

selftext:
Location: California

Before I went to college, my mom (well-meaning but overprotective) had me sign forms from "Mama Bear Legal Forms". They include health care directive and durable power of attorney, financial power of attorney, and HIPAA release. I have copies of all of them, and they are notarized.

While I still have very good relationships with my parents, I don't want them to have access to all these things, especially HIPAA. What's the simplest way to remove these powers? Can I just shr


source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286039+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If you’re the type that loses their keys often, take a photo of them BEFORE you lose them, then you’ll have a photo of what you lost. It’s easier if you text people a photo asking if they’ve seen this set of keys. Works for the job and home keys.

url:
https://reddit.com/r/LifeProTips/comments/1qyt6g7/lpt_if_youre_the_type_that_loses_their_keys_often/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qyt6g7", "score": 0, "num_comments": 10, "created_utc": 1770507684.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.27, "author": "KingsCountyWriter"}


topic_name: LPT - create a new neighbor contact immediately
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qcvz9k/lpt_create_a_new_neighbor_contact_immediately/
collected_at: 2026-02-12T00:06:31.302110+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qcvz9k", "score": 2811, "num_comments": 86, "created_utc": 1768417115.0, "selftext": "I was always rather shy about meeting the neighbors and would often forget names quickly (just bad recall).  One of the last times I moved I decided to make a huge change...\n\nAs we were moving in, neighbors popped by to say welcome, so I **pulled out my phone and added their full name, their house #, and their cellphone.**  I had 5 neighbor contacts (and applicable spouses) within a couple of days.\n\nTwo months later, I hosted an \"open house\", sent a text out to everyone letting them know that th", "sort": "top", "upvote_ratio": 0.95, "author": "Kairiste"}

selftext:
I was always rather shy about meeting the neighbors and would often forget names quickly (just bad recall).  One of the last times I moved I decided to make a huge change...

As we were moving in, neighbors popped by to say welcome, so I **pulled out my phone and added their full name, their house #, and their cellphone.**  I had 5 neighbor contacts (and applicable spouses) within a couple of days.

Two months later, I hosted an "open house", sent a text out to everyone letting them know that th


topic_name: Seeking BIFL Winter Workwear Coat
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r15r8p/seeking_bifl_winter_workwear_coat/
collected_at: 2026-02-12T00:06:36.789665+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r15r8p", "score": 16, "num_comments": 9, "created_utc": 1770741621.0, "selftext": "Hello all! I am a 6'4\" guy looking for a BIFL Workwear Jacket. I am looking for something that is available in Big and Tall sizes. I want something durable that is capable of handling outdoor activities. I am an avid fisherman and often fish at night during very cold nights. I live in Virginia and with this recent ice storm we had, my current jacket did not do too well. So looking for suggestions for a BIFL workwear winter jacket/coat that would be suitable for my needs! Budget isn't a concern f", "sort": "hot", "upvote_ratio": 0.99, "author": "MrTsTackleBox"}

selftext:
Hello all! I am a 6'4" guy looking for a BIFL Workwear Jacket. I am looking for something that is available in Big and Tall sizes. I want something durable that is capable of handling outdoor activities. I am an avid fisherman and often fish at night during very cold nights. I live in Virginia and with this recent ice storm we had, my current jacket did not do too well. So looking for suggestions for a BIFL workwear winter jacket/coat that would be suitable for my needs! Budget isn't a concern f


topic_name: This Romanian tungsten filament lightbulb is older than the average human
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qdpzdh/this_romanian_tungsten_filament_lightbulb_is/
collected_at: 2026-02-12T00:06:40.492249+00:00
autocomplete: []
selftext: It has been in continuous use for over 35 years, before communism fell
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qdpzdh", "score": 1065, "num_comments": 96, "created_utc": 1768498430.0, "selftext": "It has been in continuous use for over 35 years, before communism fell", "sort": "top", "upvote_ratio": 0.95, "author": "Organic_Engineer4981"}


topic_name: Should I do this long commute or retire
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000022+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qsyz30/should_i_do_this_long_commute_or_retire/

metadata:
{"subreddit": "financialindependence", "post_id": "1qsyz30", "score": 27, "num_comments": 127, "created_utc": 1769953854.0, "selftext": "My office location was closed down and I\u2019m being asked to relocate about 300 miles away to the headquarters which is a VCHOL and in same state. I don\u2019t want to relocate because my wife has a job here, I have a 2.5% mortgage, lower property tax, and my family and wives family are all here. I\u2019m considering flying every week and wondering if it\u2019s worth it. I have to be in the office 3 times a week, so i would fly Monday morning and come home Wednesday evening. I would need to spend around $400 a mo", "sort": "hot", "upvote_ratio": 0.58, "author": "Away-Lion-5000"}

selftext:
My office location was closed down and I’m being asked to relocate about 300 miles away to the headquarters which is a VCHOL and in same state. I don’t want to relocate because my wife has a job here, I have a 2.5% mortgage, lower property tax, and my family and wives family are all here. I’m considering flying every week and wondering if it’s worth it. I have to be in the office 3 times a week, so i would fly Monday morning and come home Wednesday evening. I would need to spend around $400 a mo


topic_name: "Ma'am, This is Texas." - Beth's Flirtation Gets SHUT DOWN! | Yellowstone #movie #short
source: youtube
region: US
url: https://youtube.com/watch?v=ZS9PkusdYcw
collected_at: 2026-02-12T00:04:30.534670
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "ZS9PkusdYcw", "channel": " Isabella", "category": "Entertainment", "category_id": 24, "views": "6979860", "view_count": 6979860, "likes": "502041", "published_at": "2026-02-06T14:33:10Z"}


topic_name: MASHUP ROCK THIỆP HỒNG | TÓC TIÊN, MAIQUINN, MUỘII, YEOLAN, ĐÀO TỬ A1J x DTAP | LSX 2025
source: youtube
region: CA
url: https://youtube.com/watch?v=QJ5BiZUCb4M
collected_at: 2026-02-12T00:04:31.596883
autocomplete: []
category: Music
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "QJ5BiZUCb4M", "channel": "L\u00e0n S\u00f3ng Xanh", "category": "Music", "category_id": 10, "views": "9055945", "view_count": 9055945, "likes": "81991", "published_at": "2026-01-31T14:10:12Z"}


topic_name: I feel lost trying to help my immigrant parents with retirement so is a 1-2% advisor worth it?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814890+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r2ct84/i_feel_lost_trying_to_help_my_immigrant_parents/

metadata:
{"subreddit": "personalfinance", "post_id": "1r2ct84", "score": 1, "num_comments": 10, "created_utc": 1770851312.0, "selftext": "I just graduated college, so I\u2019m thinking about my own finances more. That got me thinking about my parents. They are first-gen immigrants and small business owners, and they literally work 12 hours a day, 7 days a week for it.\n\nI never really looked into their finances deeply, but in doing so I realized they both have so much saved. My mom has high six figures and my dad has seven figures just sitting in a bank savings account. They have truly earned every penny. They\u2019re now in their mid 50s an", "sort": "hot", "upvote_ratio": 0.67, "author": "BothHoliday3101"}

selftext:
I just graduated college, so I’m thinking about my own finances more. That got me thinking about my parents. They are first-gen immigrants and small business owners, and they literally work 12 hours a day, 7 days a week for it.

I never really looked into their finances deeply, but in doing so I realized they both have so much saved. My mom has high six figures and my dad has seven figures just sitting in a bank savings account. They have truly earned every penny. They’re now in their mid 50s an


topic_name: I’m doing 'okay' on paper but still feel weirdly anxious about spending any money
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418187+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qi8uyx/im_doing_okay_on_paper_but_still_feel_weirdly/

metadata:
{"subreddit": "personalfinance", "post_id": "1qi8uyx", "score": 462, "num_comments": 62, "created_utc": 1768933119.0, "selftext": "I\u2019m in my late 20s and for the first time in my life my finances are fine. Not amazing, not rich, but fine. I have a steady job, no credit card debt, and I\u2019ve managed to save a decent emergency fund. Nothing crazy, but enough that if something breaks, I\u2019m not panicking.  \nAnd yet, I still feel stressed every time I spend money. Last night I was sitting on the couch playing on rolling riches and my bank app sent one of those weekly summaries. I looked at my balances and thought, okay, objectively", "sort": "top", "upvote_ratio": 0.93, "author": "CourteousPasta"}

selftext:
I’m in my late 20s and for the first time in my life my finances are fine. Not amazing, not rich, but fine. I have a steady job, no credit card debt, and I’ve managed to save a decent emergency fund. Nothing crazy, but enough that if something breaks, I’m not panicking.  
And yet, I still feel stressed every time I spend money. Last night I was sitting on the couch playing on rolling riches and my bank app sent one of those weekly summaries. I looked at my balances and thought, okay, objectively


topic_name: Can I get financed when I don't live in NH?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1a492/can_i_get_financed_when_i_dont_live_in_nh/
collected_at: 2026-02-12T00:04:50.635717+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1a492", "score": 1, "num_comments": 10, "created_utc": 1770750918.0, "selftext": "Hello! I recently got stuck in NH, a car hit me on 93 N and totaled my car. I've recently been travelling around a lot due to family emergencies in both FL and NH and don't have any more money to buy a car outright, but I have never financed a car either. \n\nCan I get financed or a loan for a car when I don't live in this state? My banks not up here either. ", "sort": "hot", "upvote_ratio": 0.67, "author": "Furretmum"}

selftext:
Hello! I recently got stuck in NH, a car hit me on 93 N and totaled my car. I've recently been travelling around a lot due to family emergencies in both FL and NH and don't have any more money to buy a car outright, but I have never financed a car either. 

Can I get financed or a loan for a car when I don't live in this state? My banks not up here either. 


topic_name: Transitioning from Car Salesman to Banking
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qqs9ib/transitioning_from_car_salesman_to_banking/
collected_at: 2026-02-12T00:04:53.860294+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qqs9ib", "score": 27, "num_comments": 25, "created_utc": 1769738352.0, "selftext": "Just recieved a verbal offer for an entry level role from BofA; the academy is a month out. Lots of growth to be made there and it\u2019s serves work life balance really well.\n\nMade good money in car sales but I don\u2019t think it\u2019s worth it due to toxic culture, always on survival mode, and customers &amp; managers can be a nightmare to work with.\n\nI feel like this will be the healthiest decision for me in the long run. Has anyone else made a transition out of car sales and how\u2019d it go?", "sort": "top", "upvote_ratio": 0.88, "author": "Klutzy-Blueberry-239"}

selftext:
Just recieved a verbal offer for an entry level role from BofA; the academy is a month out. Lots of growth to be made there and it’s serves work life balance really well.

Made good money in car sales but I don’t think it’s worth it due to toxic culture, always on survival mode, and customers &amp; managers can be a nightmare to work with.

I feel like this will be the healthiest decision for me in the long run. Has anyone else made a transition out of car sales and how’d it go?


topic_name: Advice-Starting from $0, first time able to save ever
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457480+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r21bp1/advicestarting_from_0_first_time_able_to_save_ever/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r21bp1", "score": 1, "num_comments": 16, "created_utc": 1770825857.0, "selftext": "hi all\n\nI'm hopeful in a month if I can limit all my spending this month, that I'll be able to start being ahead of everything and can start saving. \n\nwhat are some good ways for someone to invest their money? I do not have established credit, and don't have a bank account. I use dailypay (which is able to be used LIKE a bank) and plan on trying to get off that as soon as possible. I will open a bank account once I have a little bit of money saved.\n\nI'm 27 and feel like I will never get to go sh", "sort": "hot", "upvote_ratio": 0.67, "author": "laughlovelive25"}

selftext:
hi all

I'm hopeful in a month if I can limit all my spending this month, that I'll be able to start being ahead of everything and can start saving. 

what are some good ways for someone to invest their money? I do not have established credit, and don't have a bank account. I use dailypay (which is able to be used LIKE a bank) and plan on trying to get off that as soon as possible. I will open a bank account once I have a little bit of money saved.

I'm 27 and feel like I will never get to go sh


topic_name: Tonight's Foodbank Meal: Honey Garlic Chicken, Rice, and Sweet Kale Salad
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489232+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qx7x8l/tonights_foodbank_meal_honey_garlic_chicken_rice/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qx7x8l", "score": 1300, "num_comments": 29, "created_utc": 1770352253.0, "selftext": "The chicken thighs, rice, and salad were all from the foodbank. I buy honey in those large jugs at Walmart (I think it's Pure N Simple brand) and I also get the large jars of minced garlic. I know that not everyone has honey on hand, so my recommendation is to look into making sweet and sour chicken instead (usually sugar, vinegar, ketchup, stuff that more people have in their pantries). And once you get used to cooking with what you have, you learn which ingredients you can leave out and still ", "sort": "top", "upvote_ratio": 0.99, "author": "FoodbankFoodie"}

selftext:
The chicken thighs, rice, and salad were all from the foodbank. I buy honey in those large jugs at Walmart (I think it's Pure N Simple brand) and I also get the large jars of minced garlic. I know that not everyone has honey on hand, so my recommendation is to look into making sweet and sour chicken instead (usually sugar, vinegar, ketchup, stuff that more people have in their pantries). And once you get used to cooking with what you have, you learn which ingredients you can leave out and still 


topic_name: [DE] i think my scammer has my Id and i dont know what to do now.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1y26w/de_i_think_my_scammer_has_my_id_and_i_dont_know/
collected_at: 2026-02-12T00:05:08.886690+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1y26w", "score": 0, "num_comments": 5, "created_utc": 1770818234.0, "selftext": "So yesterday i became a victim of a  Internet Scam known as a recovery scam.\n\nLong story short ,i had to show my id in a money transfer app while i was on screenshare call  (discord ) with that so called \"Manager for safety on x\" the scammer.\n\nWhile i was screensharing my screen ,i did the  safety validstion where you show your ID and your face to the app so it can validate the account and that your the real person.\n\nAnd now im terrfied. What if the scammer has my ID now? What can i do? Im confu", "sort": "hot", "upvote_ratio": 0.4, "author": "Pleasant-Top-4977"}

selftext:
So yesterday i became a victim of a  Internet Scam known as a recovery scam.

Long story short ,i had to show my id in a money transfer app while i was on screenshare call  (discord ) with that so called "Manager for safety on x" the scammer.

While i was screensharing my screen ,i did the  safety validstion where you show your ID and your face to the app so it can validate the account and that your the real person.

And now im terrfied. What if the scammer has my ID now? What can i do? Im confu


topic_name: Is This Some Kind of Sick Joke?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qwzloh/is_this_some_kind_of_sick_joke/
collected_at: 2026-02-12T00:05:12.358880+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qwzloh", "score": 173, "num_comments": 207, "created_utc": 1770330018.0, "selftext": "I am shaking, I don't know if this is a scam or legitimate. Please be kind, I have major anxiety issues, and am really upset. \n\nI got a call from someone with an American accent. The person told me there was a warrant for my arrest for not showing up for jury duty on February 2nd. He claimed that I signed for this in June or July (im shaky on the date, because I was trying to not have a panic attack) and presented my ID. Now, some context, I have never been summoned for jury duty, so I am admitt", "sort": "top", "upvote_ratio": 0.73, "author": "Evening-Music2492"}

selftext:
I am shaking, I don't know if this is a scam or legitimate. Please be kind, I have major anxiety issues, and am really upset. 

I got a call from someone with an American accent. The person told me there was a warrant for my arrest for not showing up for jury duty on February 2nd. He claimed that I signed for this in June or July (im shaky on the date, because I was trying to not have a panic attack) and presented my ID. Now, some context, I have never been summoned for jury duty, so I am admitt


topic_name: This black lodge ass floor tiling that supermarkets in my city have now.
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1q3ydrz/this_black_lodge_ass_floor_tiling_that/
collected_at: 2026-02-12T00:05:17.889764+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1q3ydrz", "score": 11764, "num_comments": 441, "created_utc": 1767553405.0, "selftext": "A certain supermarket chain went through rebranding and is now changing all floor tiling to this. Yes, this is on purpose. Yes, it being uneven is ALSO on purpose. All of this is outlined in a brandbook. Basically, it's specifically designed to be uncomfortable to look at to draw shoppers' gaze to the shelves to increases sales. Guess what, they're about to lose sales because this shit gives me migraines. ", "sort": "hot", "upvote_ratio": 0.97, "author": "backroom_mushroom"}

selftext:
A certain supermarket chain went through rebranding and is now changing all floor tiling to this. Yes, this is on purpose. Yes, it being uneven is ALSO on purpose. All of this is outlined in a brandbook. Basically, it's specifically designed to be uncomfortable to look at to draw shoppers' gaze to the shelves to increases sales. Guess what, they're about to lose sales because this shit gives me migraines. 


topic_name: I find the pivot from shilling Monat to red lights hilarious😂
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qyve7m/i_find_the_pivot_from_shilling_monat_to_red/
collected_at: 2026-02-12T00:05:26.020489+00:00
autocomplete: []
selftext: “Healing” your eyesight 😂😂😂
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qyve7m", "score": 104, "num_comments": 33, "created_utc": 1770513628.0, "selftext": "\u201cHealing\u201d your eyesight \ud83d\ude02\ud83d\ude02\ud83d\ude02", "sort": "hot", "upvote_ratio": 1.0, "author": "rabies3000"}


topic_name: Honey, we made it - I no longer have a thyroid.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qjyp9h/honey_we_made_it_i_no_longer_have_a_thyroid/
collected_at: 2026-02-12T00:05:30.135124+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qjyp9h", "score": 225, "num_comments": 85, "created_utc": 1769098390.0, "selftext": "", "sort": "top", "upvote_ratio": 0.99, "author": "odoyle66"}


topic_name: Accident with no damage to other vehicle, what's going to happen to my insurance?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r23drt/accident_with_no_damage_to_other_vehicle_whats/
collected_at: 2026-02-12T00:05:44.256654+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r23drt", "score": 1, "num_comments": 2, "created_utc": 1770830375.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "PineSightIs2020"}


topic_name: Google Workspace signup
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1ppowhg/google_workspace_signup/
collected_at: 2026-02-12T00:05:53.366317+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1ppowhg", "score": 5, "num_comments": 0, "created_utc": 1766058589.0, "selftext": "Signed up a client for Google Workspace today - she only needs the cheapest option (Business Starter) but Google jump you straight into Business Plus. The downgrade button is **really** hidden in the UI. \n\nHad to ask Google Gemini (oh the irony) about how to downgrade, and it's full of shame about its own product 8-)\n\n\n\nhttps://preview.redd.it/q47occqmay7g1.png?width=1494&amp;format=png&amp;auto=webp&amp;s=86eb03b3c8b258295d3d5fac281e43219cc68e2c\n\n", "sort": "hot", "upvote_ratio": 1.0, "author": "dmje"}

selftext:
Signed up a client for Google Workspace today - she only needs the cheapest option (Business Starter) but Google jump you straight into Business Plus. The downgrade button is **really** hidden in the UI. 

Had to ask Google Gemini (oh the irony) about how to downgrade, and it's full of shame about its own product 8-)



https://preview.redd.it/q47occqmay7g1.png?width=1494&amp;format=png&amp;auto=webp&amp;s=86eb03b3c8b258295d3d5fac281e43219cc68e2c


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qykjj0/public_service_announcement_if_you_reuse_the/
collected_at: 2026-02-12T00:06:01.656923+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
Public service announcement: if you re-use the Better Than Bouillon jars (bc they’re awesome) but the lids rust out, the lids from Skippy peanut butter and Jack’s Cantina salsa fit perfectly.

metadata:
{"subreddit": "Frugal", "post_id": "1qykjj0", "score": 3232, "num_comments": 77, "created_utc": 1770487044.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "Librashell"}


topic_name: Seemingly Blacklisted by Bank of America
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1wzov/seemingly_blacklisted_by_bank_of_america/
collected_at: 2026-02-12T00:06:10.587878+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1wzov", "score": 5, "num_comments": 22, "created_utc": 1770815495.0, "selftext": "Edit: Just to clarify, the scores posted are from the MyFico app.\n\nI have been a Bank of America banking customer for 26 years, and decided to apply for their credit card 6 months ago with a 720 credit score.  Denied.  I waited 3 months, and my score increased to 752.  Denied again.  3 more months, 774 score, denied again. I wrote reconsideration letters each time, and I was denied again each time.  Here are the reasons they gave:\n\n-Too many recent inquiries (There's 3, and they're all BOA)\n\n-Ag", "sort": "hot", "upvote_ratio": 0.69, "author": "Derek24650"}

selftext:
Edit: Just to clarify, the scores posted are from the MyFico app.

I have been a Bank of America banking customer for 26 years, and decided to apply for their credit card 6 months ago with a 720 credit score.  Denied.  I waited 3 months, and my score increased to 752.  Denied again.  3 more months, 774 score, denied again. I wrote reconsideration letters each time, and I was denied again each time.  Here are the reasons they gave:

-Too many recent inquiries (There's 3, and they're all BOA)

-Ag


topic_name: Well. now we know what Bilt thinks about its customers.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qdspha/well_now_we_know_what_bilt_thinks_about_its/
collected_at: 2026-02-12T00:06:13.782087+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qdspha", "score": 143, "num_comments": 34, "created_utc": 1768504238.0, "selftext": "[https://www.reddit.com/r/biltrewards/comments/1qd45bj/kerr\\_posted\\_this\\_on\\_instagram\\_the\\_level\\_of/](https://www.reddit.com/r/biltrewards/comments/1qd45bj/kerr_posted_this_on_instagram_the_level_of/)", "sort": "top", "upvote_ratio": 0.89, "author": "Black6x"}

selftext:
[https://www.reddit.com/r/biltrewards/comments/1qd45bj/kerr\_posted\_this\_on\_instagram\_the\_level\_of/](https://www.reddit.com/r/biltrewards/comments/1qd45bj/kerr_posted_this_on_instagram_the_level_of/)


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2duu5/school_in_dc_hiding_behind_foreign_partner_to/
collected_at: 2026-02-12T00:06:18.920858+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
School in DC hiding behind foreign partner to deny degree despite medical crisis. Need negotiation advice

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2duu5", "score": 1, "num_comments": 0, "created_utc": 1770853929.0, "selftext": "I was enrolled in a dual J.D. program (D.C. school / Australia). I have finished all U.S. credit requirements. Because of a severe medical crisis and documented administrative negligence by my D.C. school, I missed my very last exams abroad.\n\nNow, the D.C. school is hiding behind the foreign school's refusal to allow me to sit for those final exams. They claim they cannot confer my degree because the two degrees are linked but they are also refusing to let me re-enroll in D.C. as a standard J.D.", "sort": "hot", "upvote_ratio": 1.0, "author": "MindBlowing74"}

selftext:
I was enrolled in a dual J.D. program (D.C. school / Australia). I have finished all U.S. credit requirements. Because of a severe medical crisis and documented administrative negligence by my D.C. school, I missed my very last exams abroad.

Now, the D.C. school is hiding behind the foreign school's refusal to allow me to sit for those final exams. They claim they cannot confer my degree because the two degrees are linked but they are also refusing to let me re-enroll in D.C. as a standard J.D.


topic_name: Ex roommate won't come get his table he left and said if I sell it he'll sue me.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r0p3m5/ex_roommate_wont_come_get_his_table_he_left_and/
collected_at: 2026-02-12T00:06:22.356523+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r0p3m5", "score": 1408, "num_comments": 117, "created_utc": 1770692143.0, "selftext": "Have no idea where this belongs flair wise. \n\nLocation: WV\n\nSo I had a roommate that left (he got kicked out by the landlord) last March but he left his table and chairs behind. \n\nI have told him and his relatives many times to come get the table that he left and they have told me that he doesn't want it. \n\nI recently told a relative of his that I was planning to sell the table as I inherited my great grandmothers table when she passed away recently and they relayed that information that he need", "sort": "top", "upvote_ratio": 0.96, "author": "Fine-Yesterday-8936"}

selftext:
Have no idea where this belongs flair wise. 

Location: WV

So I had a roommate that left (he got kicked out by the landlord) last March but he left his table and chairs behind. 

I have told him and his relatives many times to come get the table that he left and they have told me that he doesn't want it. 

I recently told a relative of his that I was planning to sell the table as I inherited my great grandmothers table when she passed away recently and they relayed that information that he need


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qwsgb9/lpt_if_you_feel_anxious_engaging_with_people_or/
collected_at: 2026-02-12T00:06:28.286044+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If you feel anxious engaging with people or being assertive, remember that you're also throwing the ball into their court to take action however they can too.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qwsgb9", "score": 1052, "num_comments": 26, "created_utc": 1770314396.0, "selftext": "Sometimes we get caught up too much in what other people think of us, as if we're the main character. But your sense of empathy can help you realize that the other person is also an independent actor who's navigating interactions the same way that you are, like a multiplayer game.\n\nAsking someone out? If it's awkward, then respect the other person enough to realize that they're probably feeling as anxious about their response as you. \n\nAsking for a meeting with your boss? You're probably just a ", "sort": "hot", "upvote_ratio": 0.96, "author": "Kompanion"}

selftext:
Sometimes we get caught up too much in what other people think of us, as if we're the main character. But your sense of empathy can help you realize that the other person is also an independent actor who's navigating interactions the same way that you are, like a multiplayer game.

Asking someone out? If it's awkward, then respect the other person enough to realize that they're probably feeling as anxious about their response as you. 

Asking for a meeting with your boss? You're probably just a 


topic_name: Top loader guidance for Airbnb
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r22w19/top_loader_guidance_for_airbnb/
collected_at: 2026-02-12T00:06:36.789668+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r22w19", "score": 0, "num_comments": 3, "created_utc": 1770829321.0, "selftext": "I\u2019ve spent the last 30 minutes looking at top loader washers on Costco and HD and I\u2019m no closer to landing on a purchase.\n\nBackground, I run a Airbnb and the previous guests overloaded the washer and the Amanda unit is dead. I\u2019m looking for simple, reliable that can take abuse from careless guests that is a top loader. It seems in this modern era of features, all the brands get some level of criticism on reliability. I was leaning towards a Maytag or GE, it seems LG has good marks, I guess Samsu", "sort": "hot", "upvote_ratio": 0.27, "author": "Ancient-Client8394"}

selftext:
I’ve spent the last 30 minutes looking at top loader washers on Costco and HD and I’m no closer to landing on a purchase.

Background, I run a Airbnb and the previous guests overloaded the washer and the Amanda unit is dead. I’m looking for simple, reliable that can take abuse from careless guests that is a top loader. It seems in this modern era of features, all the brands get some level of criticism on reliability. I was leaning towards a Maytag or GE, it seems LG has good marks, I guess Samsu


topic_name: PSA: Breville warranty &amp; customer service are not what you expect
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qh8bbt/psa_breville_warranty_customer_service_are_not/
collected_at: 2026-02-12T00:06:40.492255+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qh8bbt", "score": 1009, "num_comments": 211, "created_utc": 1768838950.0, "selftext": "Bought a Breville coffee maker less than 4 months ago, the **thermos carafe lid literally split in half while opening it normally**. The glue failed, clearly a manufacturing defect.\n\nCalled Breville support today and they **flat-out refused to cover it** under warranty. Their justification? [Warranty Limitation #4](https://www.breville.com/ca/en/support/warranty.html#:~:text=4.%20%20%20%20%20%20%20This%20warranty%20expressly%20excludes%20any%20defects%20or%20damages%20caused%20by%20accessories,%", "sort": "top", "upvote_ratio": 0.93, "author": "CasperTFG_808"}

selftext:
Bought a Breville coffee maker less than 4 months ago, the **thermos carafe lid literally split in half while opening it normally**. The glue failed, clearly a manufacturing defect.

Called Breville support today and they **flat-out refused to cover it** under warranty. Their justification? [Warranty Limitation #4](https://www.breville.com/ca/en/support/warranty.html#:~:text=4.%20%20%20%20%20%20%20This%20warranty%20expressly%20excludes%20any%20defects%20or%20damages%20caused%20by%20accessories,%


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397215+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
How did Thomas Edison's old battery design work, and what innovations have been made to reimagine it?


topic_name: Insane 3 Iphone Charger Trick Shot - #iphone #trickshots #shorts
source: youtube
region: US
url: https://youtube.com/watch?v=JYvUgY9x_0A
collected_at: 2026-02-12T00:04:31.072104
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "JYvUgY9x_0A", "channel": "Kenny Hongdae Guy 2", "category": "Science & Technology", "category_id": 28, "views": "6968080", "view_count": 6968080, "likes": "255173", "published_at": "2026-01-30T16:43:07Z"}


topic_name: Personal loan question
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2c0fz/personal_loan_question/
collected_at: 2026-02-12T00:04:41.814895+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2c0fz", "score": 1, "num_comments": 12, "created_utc": 1770849418.0, "selftext": "Help me to know repercussions. I\u2019ve currently got a personal loan through company xyz (obviously it\u2019s an actual bank, but I\u2019m not naming names), and have just inquired about increasing the amount to consolidate credit card debt between my spouse and my  credit cards. Company xyz won\u2019t directly pay credit balances from xyz or company abc, but these are the debts we are wanting to pay. They will directly deposit into our checking account for us to disperse, the company doesn\u2019t insist upon paying o", "sort": "hot", "upvote_ratio": 0.67, "author": "Connect_Tomato1216"}

selftext:
Help me to know repercussions. I’ve currently got a personal loan through company xyz (obviously it’s an actual bank, but I’m not naming names), and have just inquired about increasing the amount to consolidate credit card debt between my spouse and my  credit cards. Company xyz won’t directly pay credit balances from xyz or company abc, but these are the debts we are wanting to pay. They will directly deposit into our checking account for us to disperse, the company doesn’t insist upon paying o


topic_name: Bad credit w/ inheritance
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qyt0ex/bad_credit_w_inheritance/
collected_at: 2026-02-12T00:04:45.418191+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qyt0ex", "score": 420, "num_comments": 217, "created_utc": 1770507253.0, "selftext": "I (38 f) have poor credit. I have been very poor my entire life and spent quite some time homeless. I was never making enough to build credit or even be approved for a credit card, and then I became disabled and I have haven't worked in 3 years because of that. \n\nMy lovely gramma passed away a year ago and left me a large inheritance and Trust. I had no idea she was this wealthy. Wealthy people say they \"live comfortably\"- at least my gramma did. I guess that's how she always got us kids the mor", "sort": "top", "upvote_ratio": 0.85, "author": "Es0tericizum"}

selftext:
I (38 f) have poor credit. I have been very poor my entire life and spent quite some time homeless. I was never making enough to build credit or even be approved for a credit card, and then I became disabled and I have haven't worked in 3 years because of that. 

My lovely gramma passed away a year ago and left me a large inheritance and Trust. I had no idea she was this wealthy. Wealthy people say they "live comfortably"- at least my gramma did. I guess that's how she always got us kids the mor


topic_name: Will prior mechanical fixes hurt my trade in value?
source: reddit
region: global
collected_at: 2026-02-12T00:04:50.635720+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1r18kr9/will_prior_mechanical_fixes_hurt_my_trade_in_value/

metadata:
{"subreddit": "askcarsales", "post_id": "1r18kr9", "score": 1, "num_comments": 3, "created_utc": 1770747661.0, "selftext": "I am looking to trade in my 2022 sierra. I have had a new transmission put in as well as new camshaft and rocker arms. When a dealership sees this on KBB, will they decrease the trade in price a lot? Other than this, the truck is in great condition right now. Although I have 2 chips in the windshield that were patched ", "sort": "hot", "upvote_ratio": 0.67, "author": "landon2126"}

selftext:
I am looking to trade in my 2022 sierra. I have had a new transmission put in as well as new camshaft and rocker arms. When a dealership sees this on KBB, will they decrease the trade in price a lot? Other than this, the truck is in great condition right now. Although I have 2 chips in the windshield that were patched 


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qfwkiu/we_dont_know_what_we_want_yet_but_when_sales/
collected_at: 2026-02-12T00:04:53.860298+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
We don’t know what we want yet, but when sales people find that out they walk away. Should I just lie?

metadata:
{"subreddit": "askcarsales", "post_id": "1qfwkiu", "score": 29, "num_comments": 163, "created_utc": 1768703959.0, "selftext": "As stated in the title we are not yet sure what car we want to buy. We like the Toyota brand but we aren\u2019t married to it. \n\nToday we went out to go look at these cars. Sit in them and see what the leg room is like.\n\nTwo different sales people helped us. First one was showing us the car and wife did not like leg room in the rear. We were critical of a few things we did not like about the car. Of the three models we wanted to look at they only had one. \n\nThen he just\u2026 walked away. We weren\u2019t sure ", "sort": "top", "upvote_ratio": 0.67, "author": "Rosebudteg"}

selftext:
As stated in the title we are not yet sure what car we want to buy. We like the Toyota brand but we aren’t married to it. 

Today we went out to go look at these cars. Sit in them and see what the leg room is like.

Two different sales people helped us. First one was showing us the car and wife did not like leg room in the rear. We were critical of a few things we did not like about the car. Of the three models we wanted to look at they only had one. 

Then he just… walked away. We weren’t sure 


topic_name: What is your best budgeting advice?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1ju9z/what_is_your_best_budgeting_advice/
collected_at: 2026-02-12T00:04:59.457484+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1ju9z", "score": 12, "num_comments": 17, "created_utc": 1770773666.0, "selftext": "Hello! I am 22F looking for budgeting advice. I was never taught how to spend money growing up, and I would like to receive any financial/budgeting/spending advice you may have! \n\nWhere should I shop for groceries? \n\nHow do you make a quick buck?\n\nWhere should I be putting my money to?\n\nHow do you save? \n\nReally anything is helpful. Thanks!", "sort": "hot", "upvote_ratio": 1.0, "author": "throwawayaccount-836"}

selftext:
Hello! I am 22F looking for budgeting advice. I was never taught how to spend money growing up, and I would like to receive any financial/budgeting/spending advice you may have! 

Where should I shop for groceries? 

How do you make a quick buck?

Where should I be putting my money to?

How do you save? 

Really anything is helpful. Thanks!


topic_name: Put a dollar in the jar!
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qdynvu/put_a_dollar_in_the_jar/
collected_at: 2026-02-12T00:05:03.489236+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qdynvu", "score": 1275, "num_comments": 45, "created_utc": 1768517707.0, "selftext": "About a year ago I painted a mason jar, superglued it shut and cut a hole in the top like a diy piggy bank that I'll need to smash to get into. (I got creative with the painting so I'd feel like I put more work into it, that way I'm less likely to smash it for a dumb reason)\n\nNow, I know there are lots of ways people use a jar/piggy bank whether it be a set amount, spare change, or a fine (like a swear jar). But my husband and I have been using it to gas each other up instead and it's been so fu", "sort": "top", "upvote_ratio": 0.98, "author": "pbghikes"}

selftext:
About a year ago I painted a mason jar, superglued it shut and cut a hole in the top like a diy piggy bank that I'll need to smash to get into. (I got creative with the painting so I'd feel like I put more work into it, that way I'm less likely to smash it for a dumb reason)

Now, I know there are lots of ways people use a jar/piggy bank whether it be a set amount, spare change, or a fine (like a swear jar). But my husband and I have been using it to gas each other up instead and it's been so fu


topic_name: Chase Zelle - call from Fraud Department regarding suspicious transactions
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r18s56/chase_zelle_call_from_fraud_department_regarding/
collected_at: 2026-02-12T00:05:08.886694+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r18s56", "score": 32, "num_comments": 29, "created_utc": 1770748096.0, "selftext": "Got a call from a local number. Google came up as Chase Bank. Tells me a certain individual tried sending $2000 through my Zelle account. Transferred me over to a fraud specialist with a case number. Asks me to do the following:\n\n1. Log into Zelle on your banking app\n2. Click on SEND then add recipient\n3. Gives me a phone number\n4. Asks me what the limit I can send ($1000) and ask me to enter it...\n\nAnd that's when I realized this is a phishing scam.", "sort": "hot", "upvote_ratio": 0.81, "author": "Am_Itheonlyone"}

selftext:
Got a call from a local number. Google came up as Chase Bank. Tells me a certain individual tried sending $2000 through my Zelle account. Transferred me over to a fraud specialist with a case number. Asks me to do the following:

1. Log into Zelle on your banking app
2. Click on SEND then add recipient
3. Gives me a phone number
4. Asks me what the limit I can send ($1000) and ask me to enter it...

And that's when I realized this is a phishing scam.


topic_name: [US] I am sus of this exchange
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qi9jre/us_i_am_sus_of_this_exchange/
collected_at: 2026-02-12T00:05:12.358883+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qi9jre", "score": 174, "num_comments": 48, "created_utc": 1768934547.0, "selftext": "Hi, I am questioning if I am getting scammed somehow. I am selling 3 dresses on FB marketplace and crossposted to Nextdoor. This person messages at 4am, asks me to message someone else by text, the replies sound robotic (husband purchasing bridesmaid gown? she's unavailable even though we didn't describe a time or location.) Her Nextdoor profile hasn't posted since 2024 and she's from a town roughly 45min-1hr from me and that includes a toll bridge. The number area code is from a different state", "sort": "top", "upvote_ratio": 0.92, "author": "thirsty4pretzels"}

selftext:
Hi, I am questioning if I am getting scammed somehow. I am selling 3 dresses on FB marketplace and crossposted to Nextdoor. This person messages at 4am, asks me to message someone else by text, the replies sound robotic (husband purchasing bridesmaid gown? she's unavailable even though we didn't describe a time or location.) Her Nextdoor profile hasn't posted since 2024 and she's from a town roughly 45min-1hr from me and that includes a toll bridge. The number area code is from a different state


topic_name: Please just let me use my TV
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1q4a3r6/please_just_let_me_use_my_tv/
collected_at: 2026-02-12T00:05:17.889767+00:00
autocomplete: []
selftext: Who cares about signing into a TV!? Just let me see my stuff!
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1q4a3r6", "score": 993, "num_comments": 74, "created_utc": 1767582043.0, "selftext": "Who cares about signing into a TV!? Just let me see my stuff!", "sort": "hot", "upvote_ratio": 0.96, "author": "flyglider08-off"}


topic_name: EU marketplace directive is going to kill MLMs
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qymxzz/eu_marketplace_directive_is_going_to_kill_mlms/
collected_at: 2026-02-12T00:05:26.020493+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qymxzz", "score": 163, "num_comments": 13, "created_utc": 1770492494.0, "selftext": "Good news for EU. The anti gig work directive is going to create a presumption of employment unless shown otherwise.Aimed at hitting all the  fake self employment gig work like Uber. But it means MLM are going to have to prove that their \"consultants\" are genuinely in business on their own account or pay employee wages and taxes.", "sort": "hot", "upvote_ratio": 1.0, "author": "Effective_Will_1801"}

selftext:
Good news for EU. The anti gig work directive is going to create a presumption of employment unless shown otherwise.Aimed at hitting all the  fake self employment gig work like Uber. But it means MLM are going to have to prove that their "consultants" are genuinely in business on their own account or pay employee wages and taxes.


topic_name: Very proud that I deflected someone from a Paparazzi purchase
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qp0v1k/very_proud_that_i_deflected_someone_from_a/
collected_at: 2026-02-12T00:05:30.135128+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qp0v1k", "score": 212, "num_comments": 15, "created_utc": 1769573042.0, "selftext": "Someone in a neighborhood Facebook group was looking for a specific Paparazzi necklace. Luckily, it looks like I talked her out of it. The only reason I even keep Facebook nowadays is to ward off MLMs from neighborhood Facebook groups.", "sort": "top", "upvote_ratio": 0.99, "author": "RULGBTorSomething"}

selftext:
Someone in a neighborhood Facebook group was looking for a specific Paparazzi necklace. Luckily, it looks like I talked her out of it. The only reason I even keep Facebook nowadays is to ward off MLMs from neighborhood Facebook groups.


topic_name: Rear Ended at 65mph
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1mqf5/rear_ended_at_65mph/
collected_at: 2026-02-12T00:05:44.256657+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1mqf5", "score": 11, "num_comments": 20, "created_utc": 1770781518.0, "selftext": "Location: Florida\n\nBackground: Myself, wife, and 4 y/o daughter were on the freeway at a standstill. Vehicle rear ended me, at a dead stop, going 65mph (openly admitted which is over the 55mph speed limit). He hit the back left of my vehicle, setting off all the side airbags and totaling the vehicle. \n\nMiraculously, there were no immediate injuries and we were able to walk away at the time. Fast forward 2 days and pain was starting to set in. Seen at an urgent care and X-rays were taken of necks", "sort": "hot", "upvote_ratio": 0.81, "author": "Top-Citron-6121"}

selftext:
Location: Florida

Background: Myself, wife, and 4 y/o daughter were on the freeway at a standstill. Vehicle rear ended me, at a dead stop, going 65mph (openly admitted which is over the 55mph speed limit). He hit the back left of my vehicle, setting off all the side airbags and totaling the vehicle. 

Miraculously, there were no immediate injuries and we were able to walk away at the time. Fast forward 2 days and pain was starting to set in. Seen at an urgent care and X-rays were taken of necks


topic_name: Can other party's insurance force me to retain vehicle? Not at fault Vehicle Total Loss -
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qu56j3/can_other_partys_insurance_force_me_to_retain/
collected_at: 2026-02-12T00:05:47.658366+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qu56j3", "score": 20, "num_comments": 32, "created_utc": 1770060996.0, "selftext": "My car was hit by another driver, I am not at fault. The vehicle is a total loss. \n\n1- The other party's insurance is saying they only offer owner retained - they never retain the vehicle. They gave me a total loss claim that included a confirmed bid from an auction house and want me to call the auction house and manage process for that (and they reduce their payment by the auction house's amount). \n\n  \nI am telling them I want no part of doing owner retained and they can manage the salvage yard", "sort": "top", "upvote_ratio": 0.88, "author": "South_Pair_2229"}

selftext:
My car was hit by another driver, I am not at fault. The vehicle is a total loss. 

1- The other party's insurance is saying they only offer owner retained - they never retain the vehicle. They gave me a total loss claim that included a confirmed bid from an auction house and want me to call the auction house and manage process for that (and they reduce their payment by the auction house's amount). 

  
I am telling them I want no part of doing owner retained and they can manage the salvage yard


topic_name: Why is it so hard to just say "NO" to subscriptions? Dark patterns are getting out of hand.
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366325+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1po9zmq/why_is_it_so_hard_to_just_say_no_to_subscriptions/

metadata:
{"subreddit": "darkpatterns", "post_id": "1po9zmq", "score": 24, "num_comments": 5, "created_utc": 1765910692.0, "selftext": "We\u2019ve all been there: trying to cancel a service, but the \"cancel\" button is hidden in a 2pt font, or you\u2019re forced through 5 pages of \"are you sure?\" prompts. It\u2019s exhausting.\n\nI\u2019m currently researching these Dark Patterns at FGV (a Brazilian research university) to understand how these manipulative designs actually impact us. If you\u2019ve ever felt tricked by a website and have 2 minutes to spare, could you help me out by answering this survey?\n\nI need to reach a broader audience to get solid dat", "sort": "hot", "upvote_ratio": 0.94, "author": "AgitatedCable2609"}

selftext:
We’ve all been there: trying to cancel a service, but the "cancel" button is hidden in a 2pt font, or you’re forced through 5 pages of "are you sure?" prompts. It’s exhausting.

I’m currently researching these Dark Patterns at FGV (a Brazilian research university) to understand how these manipulative designs actually impact us. If you’ve ever felt tricked by a website and have 2 minutes to spare, could you help me out by answering this survey?

I need to reach a broader audience to get solid dat


topic_name: 7 days worth of food for £22.. plus LOADS of food to spare
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qypgv9/7_days_worth_of_food_for_22_plus_loads_of_food_to/
collected_at: 2026-02-12T00:06:01.656926+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qypgv9", "score": 932, "num_comments": 47, "created_utc": 1770498467.0, "selftext": "Spoilers: no meat. But it also dispells the myth that you can't eat healthy for cheap.\n\nbasically, its veg stew twice a day (1/3 tomatoes, 1/3 beans, 1/3 veg)\n\nand overnight oats for breakfast with fruit..\n\nusing farmfoods uk (very cheap frozen food store) I spent \u00a322 and made enough food for 7 days (picture shows 3 portions a day minus the one I ate)\n\nplus with a kilo of lentils and about 2kg of veg, 2kg of fruit, 1kg of oats left I could comfortably get another five days making the average por", "sort": "hot", "upvote_ratio": 0.98, "author": "WebPsychological601"}

selftext:
Spoilers: no meat. But it also dispells the myth that you can't eat healthy for cheap.

basically, its veg stew twice a day (1/3 tomatoes, 1/3 beans, 1/3 veg)

and overnight oats for breakfast with fruit..

using farmfoods uk (very cheap frozen food store) I spent £22 and made enough food for 7 days (picture shows 3 portions a day minus the one I ate)

plus with a kilo of lentils and about 2kg of veg, 2kg of fruit, 1kg of oats left I could comfortably get another five days making the average por


topic_name: Help Needed: BILT 2.0 Balance Transfer
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1yuqm/help_needed_bilt_20_balance_transfer/
collected_at: 2026-02-12T00:06:10.587881+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1yuqm", "score": 4, "num_comments": 8, "created_utc": 1770820173.0, "selftext": "Hey everyone!\n\nI recently switched to the BILT 2.0 card and requested a balance transfer. My statement balance is about $1,500, and the total is around $2,800.\n\nI noticed that my BILT 2.0 card currently has a hold with a $2,800 limit, and I can also see $2,800 due on Wells Fargo app. I\u2019m a bit confused about whether I need to pay Wells Fargo or if the payment is handled through the BILT card itself.\n\nAlso my payment is due tomorrow (Feb 12th) so I want to make sure before that so I do not accrue", "sort": "hot", "upvote_ratio": 0.83, "author": "Free-Classroom-5628"}

selftext:
Hey everyone!

I recently switched to the BILT 2.0 card and requested a balance transfer. My statement balance is about $1,500, and the total is around $2,800.

I noticed that my BILT 2.0 card currently has a hold with a $2,800 limit, and I can also see $2,800 due on Wells Fargo app. I’m a bit confused about whether I need to pay Wells Fargo or if the payment is handled through the BILT card itself.

Also my payment is due tomorrow (Feb 12th) so I want to make sure before that so I do not accrue


topic_name: Capital One &amp; Mastercard Renegotiate Deal
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qvvh3q/capital_one_mastercard_renegotiate_deal/
collected_at: 2026-02-12T00:06:13.782091+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qvvh3q", "score": 138, "num_comments": 26, "created_utc": 1770227439.0, "selftext": "[Interesting article from DoctorOfCredit.](https://www.doctorofcredit.com/capital-one-mastercard-renegotiate-deal/)  Looks like Capital One is using their newfound leverage.\n\nDuring a\u00a0[recent earnings call](https://seekingalpha.com/article/4863944-mastercard-incorporated-ma-q4-2025-earnings-call-transcript)\u00a0Mastercard CEO Michael Miebach announced that Mastercard &amp; Capital One have renegotiated their long standing partnership.\u00a0\n\n*In the U.S. and Canada, we extended our long-standing partners", "sort": "top", "upvote_ratio": 0.99, "author": "gbcox"}

selftext:
[Interesting article from DoctorOfCredit.](https://www.doctorofcredit.com/capital-one-mastercard-renegotiate-deal/)  Looks like Capital One is using their newfound leverage.

During a [recent earnings call](https://seekingalpha.com/article/4863944-mastercard-incorporated-ma-q4-2025-earnings-call-transcript) Mastercard CEO Michael Miebach announced that Mastercard &amp; Capital One have renegotiated their long standing partnership. 

*In the U.S. and Canada, we extended our long-standing partners


topic_name: Transfer on Death Deed not filed before death
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2dpxj/transfer_on_death_deed_not_filed_before_death/
collected_at: 2026-02-12T00:06:18.920862+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2dpxj", "score": 1, "num_comments": 1, "created_utc": 1770853583.0, "selftext": "Location: Oklahoma\n\nMy mom passed last week and has a will. I am her only heir. She has a signed a notarized Transfer on Death Deed for the house but she never filed it with the county. Is this now void? Will I need to probate her will?\n\nAlso, I want to keep the house. I currently live in it and there is a lien on the house that I am consigned to, but she is the sole person on the deed. The only other asset she has is a car. If I want to keep the house, how do I pay for the probate? Should I tak", "sort": "hot", "upvote_ratio": 1.0, "author": "zeldafreak489"}

selftext:
Location: Oklahoma

My mom passed last week and has a will. I am her only heir. She has a signed a notarized Transfer on Death Deed for the house but she never filed it with the county. Is this now void? Will I need to probate her will?

Also, I want to keep the house. I currently live in it and there is a lien on the house that I am consigned to, but she is the sole person on the deed. The only other asset she has is a car. If I want to keep the house, how do I pay for the probate? Should I tak


topic_name: Jury duty summons that is impossible for me to attend, won't grant excusal (Ohio)
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qjywsh/jury_duty_summons_that_is_impossible_for_me_to/
collected_at: 2026-02-12T00:06:22.356527+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qjywsh", "score": 1345, "num_comments": 40, "created_utc": 1769098849.0, "selftext": "Location: Ohio\n\nI got a petit jury summons in the mail. This is normal and I understand how all that works, I understand why jury duty is a thing, I don't *mind* the idea of serving jury duty. The problem is that I cannot drive. I'm autistic and live at home with no driver's license. I can't afford bussing, and I only have one family member that will be in the state at the time I've been summoned for. That family member is my mom, who works full-time and can't afford to call off work to take me ", "sort": "top", "upvote_ratio": 0.83, "author": "formlesscorvid"}

selftext:
Location: Ohio

I got a petit jury summons in the mail. This is normal and I understand how all that works, I understand why jury duty is a thing, I don't *mind* the idea of serving jury duty. The problem is that I cannot drive. I'm autistic and live at home with no driver's license. I can't afford bussing, and I only have one family member that will be in the state at the time I've been summoned for. That family member is my mom, who works full-time and can't afford to call off work to take me 


topic_name: LPT: Introducing people is more than just being polite
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qyo7z5/lpt_introducing_people_is_more_than_just_being/
collected_at: 2026-02-12T00:06:28.286049+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qyo7z5", "score": 0, "num_comments": 11, "created_utc": 1770495528.0, "selftext": "Expanding your circle is the highest-leverage skill you can develop.\n\nKnowing more people is how you make friends, find a partner, land a job, grow a business, move your career forward, and get access to rooms you\u2019d never be invited into otherwise. Almost everything good in life flows through people.\n\nBut here\u2019s the part most people miss: it doesn\u2019t start by trying to be interesting.\n\nIt starts by getting good at introducing people to each other.\n\nBecause when you become the connector, it always", "sort": "hot", "upvote_ratio": 0.45, "author": "pgds"}

selftext:
Expanding your circle is the highest-leverage skill you can develop.

Knowing more people is how you make friends, find a partner, land a job, grow a business, move your career forward, and get access to rooms you’d never be invited into otherwise. Almost everything good in life flows through people.

But here’s the part most people miss: it doesn’t start by trying to be interesting.

It starts by getting good at introducing people to each other.

Because when you become the connector, it always


topic_name: Looking for BIFL Can Opener
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r18cvi/looking_for_bifl_can_opener/
collected_at: 2026-02-12T00:06:36.789672+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r18cvi", "score": 10, "num_comments": 47, "created_utc": 1770747204.0, "selftext": "Typically I go for BIFL products, but thought a $10 can opener from Walmart would be an ok exception. \n\nThe contraption broke after a month (\\~30 cans).\n\nInstead of a $120/yr can opener subscription service, I\u2019m looking for a well built reliable can opener.\n\nAnyone have suggestions or relevant stories?\n\nThanks!", "sort": "hot", "upvote_ratio": 0.7, "author": "Suspicious-Cut-3998"}

selftext:
Typically I go for BIFL products, but thought a $10 can opener from Walmart would be an ok exception. 

The contraption broke after a month (\~30 cans).

Instead of a $120/yr can opener subscription service, I’m looking for a well built reliable can opener.

Anyone have suggestions or relevant stories?

Thanks!


topic_name: My dad’s Stanley Thermos, it’s older than me and I’m 38.
source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492260+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1ql74hh/my_dads_stanley_thermos_its_older_than_me_and_im/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1ql74hh", "score": 994, "num_comments": 33, "created_utc": 1769212324.0, "selftext": "Only thing he\u2019s done is replace the cup. He said he\u2019s pretty sure he got it the year before he and my mom got married. Still going strong. ", "sort": "top", "upvote_ratio": 0.99, "author": "bassinballar19"}

selftext:
Only thing he’s done is replace the cup. He said he’s pretty sure he got it the year before he and my mom got married. Still going strong. 


topic_name: 0.5 Years of Finance Data: $0 to $15k
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qtx89b/05_years_of_finance_data_0_to_15k/
collected_at: 2026-02-12T00:06:47.000032+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qtx89b", "score": 0, "num_comments": 5, "created_utc": 1770044200.0, "selftext": "TL;DR: I have all my financial data recorded monthly for the first half year since I graduated university and started working full time. I put it into charts that you can see here: [The Graphs](https://imgur.com/a/aPX1OyC)\n\nThis post is heavily influenced by u/personalfanonymous and the great posts they put out tracking their NW over the years!\n\nI am a 24 year old that graduated university May of 2025 and started working full time as a software engineer in the automation industry at the end of J", "sort": "hot", "upvote_ratio": 0.39, "author": "Fuskiller"}

selftext:
TL;DR: I have all my financial data recorded monthly for the first half year since I graduated university and started working full time. I put it into charts that you can see here: [The Graphs](https://imgur.com/a/aPX1OyC)

This post is heavily influenced by u/personalfanonymous and the great posts they put out tracking their NW over the years!

I am a 24 year old that graduated university May of 2025 and started working full time as a software engineer in the automation industry at the end of J


topic_name: 1 year old - 100 year old RACING FOR $250,000 😳🔥
source: youtube
region: US
url: https://youtube.com/watch?v=GFA7JqkQ0jo
collected_at: 2026-02-12T00:04:30.766126
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "GFA7JqkQ0jo", "channel": "FastTrackField", "category": "Sports", "category_id": 17, "views": "6903616", "view_count": 6903616, "likes": "132745", "published_at": "2026-02-08T18:00:27Z"}


topic_name: Should I bother putting in another 4% in my 457b when i already get 11% in my 401a?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814899+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r228cb/should_i_bother_putting_in_another_4_in_my_457b/

metadata:
{"subreddit": "personalfinance", "post_id": "1r228cb", "score": 2, "num_comments": 26, "created_utc": 1770827891.0, "selftext": "Hi all,\n\nI got a new, better job that I've been working in for a few months now, and overall it's been great. \n\nI have a 401a that's got 31k that I put in 4%, while my employer puts in 7% every biweekly paycheck, so about 600 dollars a month. I also have a 457b from previous employers that is worth about 6.8k that i can contribute to (currently not as I'm just trying to settle in to a new area / saving for a house or condo in the next 3 years). Is this really worth it? I know it's extra money in", "sort": "hot", "upvote_ratio": 0.56, "author": "ThisIsMySol"}

selftext:
Hi all,

I got a new, better job that I've been working in for a few months now, and overall it's been great. 

I have a 401a that's got 31k that I put in 4%, while my employer puts in 7% every biweekly paycheck, so about 600 dollars a month. I also have a 457b from previous employers that is worth about 6.8k that i can contribute to (currently not as I'm just trying to settle in to a new area / saving for a house or condo in the next 3 years). Is this really worth it? I know it's extra money in


source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418195+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Accidentally made a major margin market order on Friday - need advice on strategy to exit at market open.

url:
https://reddit.com/r/personalfinance/comments/1qgm7fs/accidentally_made_a_major_margin_market_order_on/

metadata:
{"subreddit": "personalfinance", "post_id": "1qgm7fs", "score": 413, "num_comments": 181, "created_utc": 1768775043.0, "selftext": "friend of mine made an intended purchase on Friday of Vanguand small cap fund VB at $10k, issue is he accidentally entered by shares instead of dollar amount which (wait for it) executed a close to **$3M purchase on margin** of **10k shares!** The sale executed but not fully settled in his account and the market was closed when he realized his mistake.    \n   \nhe is understandably freaking out and can\u2019t get ahold of his FA or anyone at vanguard.    \n\nthe main issue is what his exit strategy shou", "sort": "top", "upvote_ratio": 0.8, "author": "jjjaaammm"}

selftext:
friend of mine made an intended purchase on Friday of Vanguand small cap fund VB at $10k, issue is he accidentally entered by shares instead of dollar amount which (wait for it) executed a close to **$3M purchase on margin** of **10k shares!** The sale executed but not fully settled in his account and the market was closed when he realized his mistake.    
   
he is understandably freaking out and can’t get ahold of his FA or anyone at vanguard.    

the main issue is what his exit strategy shou


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0g6bu/california_dealer_says_3400_in_addons_waypoint/
collected_at: 2026-02-12T00:04:50.635724+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
California: Dealer says $3,400 in add-ons (Waypoint, B4L) are "pre-installed" and non-cancelable on a lease buyout. Is this legal?

metadata:
{"subreddit": "askcarsales", "post_id": "1r0g6bu", "score": 42, "num_comments": 43, "created_utc": 1770670294.0, "selftext": "Hey everyone, looking for some advice on a lease buyout in California.\n\nI bought a 2026 Lexus RX 350h. The finance manager added $3,480 in \"protection products\" to the total:\n\n* **Waypoint GPS**\u00a0($1,595)\n* **LACG Surface Protection**\u00a0($1,290)\n* **Battery 4 Life / B4L**\u00a0($595)\n\nWhen I asked to have them removed 2 weeks after buying the car, he told me they were \"pre-installed before the car was delivered\" and are therefore non-cancelable.\n\n**The weird part:**\u00a0I checked my folder and I don't actua", "sort": "hot", "upvote_ratio": 0.73, "author": "max_198"}

selftext:
Hey everyone, looking for some advice on a lease buyout in California.

I bought a 2026 Lexus RX 350h. The finance manager added $3,480 in "protection products" to the total:

* **Waypoint GPS** ($1,595)
* **LACG Surface Protection** ($1,290)
* **Battery 4 Life / B4L** ($595)

When I asked to have them removed 2 weeks after buying the car, he told me they were "pre-installed before the car was delivered" and are therefore non-cancelable.

**The weird part:** I checked my folder and I don't actua


topic_name: Botched sale. What would you do?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1quyeiq/botched_sale_what_would_you_do/
collected_at: 2026-02-12T00:04:53.860303+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1quyeiq", "score": 27, "num_comments": 25, "created_utc": 1770140070.0, "selftext": "We leased two GMC Terrains from a dealer, back to back. We were well over miles on the first lease, but the dealer took the vehicle in for no cost to us (overage fees) when we leased the second one. We were over on the second lease as well and were just going to buy it at lease end to avoid the overage fees, but thought we'd check with the same dealer to see if there was a deal to be had if we bought a different car from them. The sales agent we worked with, who was the same for the last two lea", "sort": "top", "upvote_ratio": 0.91, "author": "bmandrew"}

selftext:
We leased two GMC Terrains from a dealer, back to back. We were well over miles on the first lease, but the dealer took the vehicle in for no cost to us (overage fees) when we leased the second one. We were over on the second lease as well and were just going to buy it at lease end to avoid the overage fees, but thought we'd check with the same dealer to see if there was a deal to be had if we bought a different car from them. The sales agent we worked with, who was the same for the last two lea


topic_name: Is it realistic to earn $10–15/week online as a student?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1wuo1/is_it_realistic_to_earn_1015week_online_as_a/
collected_at: 2026-02-12T00:04:59.457488+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1wuo1", "score": 0, "num_comments": 0, "created_utc": 1770815121.0, "selftext": "Hi everyone, I\u2019m 21M living in Iran and studying microbiology. Recently I became really interested in data science and bioinformatics.\nI don\u2019t have financial support from my family, so I need to earn some money while studying. A regular part-time job is very hard for me because my classes are usually from 8am to 5pm, and most jobs here start in the evening and would leave me with no time to study.\nSo I\u2019m trying to get into freelancing and online work.\nDo you think it\u2019s realistic to earn around $", "sort": "hot", "upvote_ratio": 0.5, "author": "Aragorn_K"}

selftext:
Hi everyone, I’m 21M living in Iran and studying microbiology. Recently I became really interested in data science and bioinformatics.
I don’t have financial support from my family, so I need to earn some money while studying. A regular part-time job is very hard for me because my classes are usually from 8am to 5pm, and most jobs here start in the evening and would leave me with no time to study.
So I’m trying to get into freelancing and online work.
Do you think it’s realistic to earn around $


topic_name: [U.S.] Someone used my email for DraftKings — DK won’t close it
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1m2vk/us_someone_used_my_email_for_draftkings_dk_wont/
collected_at: 2026-02-12T00:05:08.886697+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1m2vk", "score": 4, "num_comments": 12, "created_utc": 1770779704.0, "selftext": "Hi there,\n\nI\u2019m looking for advice on how to handle the following: someone used my email address to create a DraftKings deposit. Then the account email was immediately changed to a different address (not mine but used my email handle in a different email domain). I\u2019ve never had a DraftKings account before and I did not make this deposit.\n\nI called DraftKings and left a voicemail explaining that this wasn\u2019t me and that I want the account shut down. They emailed me back saying they need me to confi", "sort": "hot", "upvote_ratio": 0.7, "author": "Vegetable-Lab-3700"}

selftext:
Hi there,

I’m looking for advice on how to handle the following: someone used my email address to create a DraftKings deposit. Then the account email was immediately changed to a different address (not mine but used my email handle in a different email domain). I’ve never had a DraftKings account before and I did not make this deposit.

I called DraftKings and left a voicemail explaining that this wasn’t me and that I want the account shut down. They emailed me back saying they need me to confi


topic_name: [US] Housing application scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qhaawg/us_housing_application_scam/
collected_at: 2026-02-12T00:05:12.358887+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qhaawg", "score": 159, "num_comments": 30, "created_utc": 1768843127.0, "selftext": "I\u2019m looking for a place to rent, and I came across this on Facebook Marketplace. I sent my phone number and asked to schedule a viewing. The viewing date was for this upcoming Thursday, and when I said I\u2019m available all day and asked for a time, this was the response. Never ever ever give out social security numbers first. This can be written ON THE HOUSING APPLICATION but never BEFORE the viewing! Immediately blocked the number and reported the listing on Marketplace (which likely will stay liv", "sort": "top", "upvote_ratio": 0.98, "author": "Possible-Car-5119"}

selftext:
I’m looking for a place to rent, and I came across this on Facebook Marketplace. I sent my phone number and asked to schedule a viewing. The viewing date was for this upcoming Thursday, and when I said I’m available all day and asked for a time, this was the response. Never ever ever give out social security numbers first. This can be written ON THE HOUSING APPLICATION but never BEFORE the viewing! Immediately blocked the number and reported the listing on Marketplace (which likely will stay liv


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889776+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Migraine treatment device sells $89 dollar "refill pack" that is just a .10 cent TENS unit pad and a software lock

url:
https://reddit.com/r/assholedesign/comments/1q4avdw/migraine_treatment_device_sells_89_dollar_refill/

metadata:
{"subreddit": "assholedesign", "post_id": "1q4avdw", "score": 409, "num_comments": 48, "created_utc": 1767584177.0, "selftext": "Nerivio, a migraine treatment device is finally selling a rechargeable model... but to use it you have to buy a super expensive TENS unit pad from them. It's literally the same price as buying a whole new device for their non rechargeable model. \n\nYou have to scan a QR code to \"unlock\" additional treatments in the app: [https://www.facebook.com/watch/?v=815612581229373](https://www.facebook.com/watch/?v=815612581229373)\n\nThis is taking things too far. These devices are rarely covered by insuranc", "sort": "hot", "upvote_ratio": 0.96, "author": "Expensive_Goat2201"}

selftext:
Nerivio, a migraine treatment device is finally selling a rechargeable model... but to use it you have to buy a super expensive TENS unit pad from them. It's literally the same price as buying a whole new device for their non rechargeable model. 

You have to scan a QR code to "unlock" additional treatments in the app: [https://www.facebook.com/watch/?v=815612581229373](https://www.facebook.com/watch/?v=815612581229373)

This is taking things too far. These devices are rarely covered by insuranc


topic_name: This looks like the third world version of first class
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qxu10j/this_looks_like_the_third_world_version_of_first/
collected_at: 2026-02-12T00:05:26.020496+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qxu10j", "score": 2253, "num_comments": 291, "created_utc": 1770412215.0, "selftext": "I'm not American so maybe I don't know how bad it is there.... but is that not a cheap 'premium economy' seat?", "sort": "hot", "upvote_ratio": 0.96, "author": "Timely_Objective_585"}

selftext:
I'm not American so maybe I don't know how bad it is there.... but is that not a cheap 'premium economy' seat?


topic_name: Should I contact my own insurance for a lien waiver before signing my claim settlement offer?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r22cm2/should_i_contact_my_own_insurance_for_a_lien/
collected_at: 2026-02-12T00:05:44.256661+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r22cm2", "score": 1, "num_comments": 5, "created_utc": 1770828145.0, "selftext": "Got struck be a vehicle, other driver at fault. Being offered full amount of medical bills in my settlement amount from At-Fault\u2019s insurance. Wondering if I should call my medical insurance first to inquire about what my subrogation amount may be before signing? is that advised? They accepted claims for my ER visit at the time. Total charges are below $10k and my medical paid less than $4k.", "sort": "hot", "upvote_ratio": 0.67, "author": "Scorch8482"}

selftext:
Got struck be a vehicle, other driver at fault. Being offered full amount of medical bills in my settlement amount from At-Fault’s insurance. Wondering if I should call my medical insurance first to inquire about what my subrogation amount may be before signing? is that advised? They accepted claims for my ER visit at the time. Total charges are below $10k and my medical paid less than $4k.


topic_name: 30k of dental work needed at 20.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qzmtis/30k_of_dental_work_needed_at_20/
collected_at: 2026-02-12T00:05:47.658370+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qzmtis", "score": 17, "num_comments": 51, "created_utc": 1770589399.0, "selftext": "i have about 9 cavities That are causing dysphasia and gingivitis. I need my wisdom teeth taken out (four), six teeth capped, and a few more taken out. I have insurance and I am told i a responsible for 30k which is absolutely not achievable. they offered payment plans but I did not qualify. what can I do? I am an unpaid (soon to be paid) family care giver full time.", "sort": "top", "upvote_ratio": 0.92, "author": "SituationImportant99"}

selftext:
i have about 9 cavities That are causing dysphasia and gingivitis. I need my wisdom teeth taken out (four), six teeth capped, and a few more taken out. I have insurance and I am told i a responsible for 30k which is absolutely not achievable. they offered payment plans but I did not qualify. what can I do? I am an unpaid (soon to be paid) family care giver full time.


topic_name: Took me too much to understand the options cancelling on myquiz
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1pjrb8e/took_me_too_much_to_understand_the_options/
collected_at: 2026-02-12T00:05:53.366329+00:00
autocomplete: []
selftext: I think it is even just bad if someone miss clicks, then they may mistakenly cancel
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1pjrb8e", "score": 33, "num_comments": 2, "created_utc": 1765437140.0, "selftext": "I think it is even just bad if someone miss clicks, then they may mistakenly cancel", "sort": "hot", "upvote_ratio": 1.0, "author": "justameeple"}


topic_name: Renter-safe hooks for blackout curtains? No drilling
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qyzdjg/rentersafe_hooks_for_blackout_curtains_no_drilling/
collected_at: 2026-02-12T00:06:01.656930+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qyzdjg", "score": 108, "num_comments": 69, "created_utc": 1770524999.0, "selftext": "I rent a cheap room in a house with roommates, and my rent is super low. I also would prefer not to spend a lot of money. I work overnight and need blackout curtains so my room stays dark during the day. I want to hang them without drilling or damaging painted walls. Please give me suggestions on what to do. Please send me some affordable curtains and no-drill hooks/and some curtain rods. Thank you. \ud83c\udf0e\ud83d\ude47\ud83c\udffb\u200d\u2640\ufe0f\ud83d\udc93", "sort": "hot", "upvote_ratio": 0.9, "author": "p1nkheineken"}

selftext:
I rent a cheap room in a house with roommates, and my rent is super low. I also would prefer not to spend a lot of money. I work overnight and need blackout curtains so my room stays dark during the day. I want to hang them without drilling or damaging painted walls. Please give me suggestions on what to do. Please send me some affordable curtains and no-drill hooks/and some curtain rods. Thank you. 🌎🙇🏻‍♀️💓


topic_name: I've been eating a lot of expired food. No issues thus far
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qsupfp/ive_been_eating_a_lot_of_expired_food_no_issues/
collected_at: 2026-02-12T00:06:05.044522+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qsupfp", "score": 449, "num_comments": 205, "created_utc": 1769940597.0, "selftext": "I don't care if I get judged, food is my biggest expense and sometimes I just forget I have it. What do y'all think about eating expired food? The other day I played with fire and ate meat that should have been thrown out long ago. I was a little scared but obviously I'm fine. \n\n  \nIve eaten a lot of questionable things with no issue. I wonder if there's a way my stomach is just used to it at this point.\n\n  \n", "sort": "top", "upvote_ratio": 0.84, "author": "IDoNotHide"}

selftext:
I don't care if I get judged, food is my biggest expense and sometimes I just forget I have it. What do y'all think about eating expired food? The other day I played with fire and ate meat that should have been thrown out long ago. I was a little scared but obviously I'm fine. 

  
Ive eaten a lot of questionable things with no issue. I wonder if there's a way my stomach is just used to it at this point.

  


topic_name: Savor or C1 Venture X, which card should I apply for first?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r28ecy/savor_or_c1_venture_x_which_card_should_i_apply/
collected_at: 2026-02-12T00:06:10.587885+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r28ecy", "score": 0, "num_comments": 4, "created_utc": 1770841202.0, "selftext": "I have pre-applied for both cards and have been approved. My only question is which card do I apply for first? Main purchases are restaurants and groceries but will be flying this year \\~3x. Not sure which card I should get first as I understand I will have to wait some time to apply for another card.  Appreciate any advice. ", "sort": "hot", "upvote_ratio": 0.5, "author": "Language_Puzzled"}

selftext:
I have pre-applied for both cards and have been approved. My only question is which card do I apply for first? Main purchases are restaurants and groceries but will be flying this year \~3x. Not sure which card I should get first as I understand I will have to wait some time to apply for another card.  Appreciate any advice. 


topic_name: New Chase Disney Infinite Card Launching Soon
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qqcvyk/new_chase_disney_infinite_card_launching_soon/
collected_at: 2026-02-12T00:06:13.782094+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qqcvyk", "score": 135, "num_comments": 54, "created_utc": 1769703252.0, "selftext": "EDIT: Disney INSPIRE Card (my bad on the typo)\n\nLooks like a new Disney card is launching soon based on Doctor of Credit. Someone put out the marketing materials a little early. Given how weak the current lineup is interested to see how they position this card.\n\n[ https://www.doctorofcredit.com/chase-disney-to-launch-new-disney-inspire-card/ ](https://www.doctorofcredit.com/chase-disney-to-launch-new-disney-inspire-card/)", "sort": "top", "upvote_ratio": 0.92, "author": "reddant_b"}

selftext:
EDIT: Disney INSPIRE Card (my bad on the typo)

Looks like a new Disney card is launching soon based on Doctor of Credit. Someone put out the marketing materials a little early. Given how weak the current lineup is interested to see how they position this card.

[ https://www.doctorofcredit.com/chase-disney-to-launch-new-disney-inspire-card/ ](https://www.doctorofcredit.com/chase-disney-to-launch-new-disney-inspire-card/)


topic_name: I’ve been summoned to self-turn.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2do8b/ive_been_summoned_to_selfturn/
collected_at: 2026-02-12T00:06:18.920865+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2do8b", "score": 1, "num_comments": 0, "created_utc": 1770853463.0, "selftext": "Hi Reddit fam,  location: Alexandria, VA\n\nLast summer I was going through eviction after being terminated, so I applied for rental assistance through my city help resources.  I was told I could only get rental assistance if I were employed.  I had passed through all 4 stages of interviews at a store for a job that I was so confident I'd get.  I ended up not.  This is totally my fault and I know it - I submitted a fake job offer letter from the company to the city.  They contacted the company to ", "sort": "hot", "upvote_ratio": 1.0, "author": "420Ganjapreneur"}

selftext:
Hi Reddit fam,  location: Alexandria, VA

Last summer I was going through eviction after being terminated, so I applied for rental assistance through my city help resources.  I was told I could only get rental assistance if I were employed.  I had passed through all 4 stages of interviews at a store for a job that I was so confident I'd get.  I ended up not.  This is totally my fault and I know it - I submitted a fake job offer letter from the company to the city.  They contacted the company to 


topic_name: Neighbor regularly drives home drunk and I've had enough.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qzmvmy/neighbor_regularly_drives_home_drunk_and_ive_had/
collected_at: 2026-02-12T00:06:22.356531+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qzmvmy", "score": 1328, "num_comments": 76, "created_utc": 1770589540.0, "selftext": "Location: California.\nMy in-laws live very close to us and do a huge amount of childcare for us. Their nextdoor neighbor (single middle-age male, works from home) regularly drives home drunk late at night, blasting music and obviously way beyond driving limits in a huge huge pickup truck. He was arrested for a DUI in his driveway last month but I guess he can keep driving because he hasn't had his court date yet? \n\nYesterday was the last straw. He drives home at 5:30pm in broad daylight complete", "sort": "top", "upvote_ratio": 0.96, "author": "Tiger_Crab_Studios"}

selftext:
Location: California.
My in-laws live very close to us and do a huge amount of childcare for us. Their nextdoor neighbor (single middle-age male, works from home) regularly drives home drunk late at night, blasting music and obviously way beyond driving limits in a huge huge pickup truck. He was arrested for a DUI in his driveway last month but I guess he can keep driving because he hasn't had his court date yet? 

Yesterday was the last straw. He drives home at 5:30pm in broad daylight complete


topic_name: LPT: Funerals don't have to be expensive
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qwgfjn/lpt_funerals_dont_have_to_be_expensive/
collected_at: 2026-02-12T00:06:28.286054+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qwgfjn", "score": 2658, "num_comments": 329, "created_utc": 1770282331.0, "selftext": "Many funeral homes purposely prey on people to pay whatever they quote for their services - at a time that is extremely emotional for the bereaved. Remember that you have rights as a consumer. \n\nYou do not have to buy their Urns or Caskets, as they can very well be marked up by more than 200% compared to whole sellers which the home HAS TO accept. Embalming is not a requirement. The presentation and emotional guilting is not something you have to give into. An add on seal for the casket does not", "sort": "hot", "upvote_ratio": 0.96, "author": "ps4roompromdfriends4"}

selftext:
Many funeral homes purposely prey on people to pay whatever they quote for their services - at a time that is extremely emotional for the bereaved. Remember that you have rights as a consumer. 

You do not have to buy their Urns or Caskets, as they can very well be marked up by more than 200% compared to whole sellers which the home HAS TO accept. Embalming is not a requirement. The presentation and emotional guilting is not something you have to give into. An add on seal for the casket does not


topic_name: Trying to get some faded on BIFL boxers
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r22bri/trying_to_get_some_faded_on_bifl_boxers/
collected_at: 2026-02-12T00:06:36.789675+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r22bri", "score": 0, "num_comments": 3, "created_utc": 1770828097.0, "selftext": "are there any BIFL boxers? trying to see if I can get some fades on some boxers. wear every day. 1 year 5 washes. any suggestions?", "sort": "hot", "upvote_ratio": 0.15, "author": "Lamb_chop_yerk"}

selftext:
are there any BIFL boxers? trying to see if I can get some fades on some boxers. wear every day. 1 year 5 washes. any suggestions?


topic_name: Zipper broke on my Kuhl fleece after 10 years and they are still willing to repair it for me
source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492264+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qrq74u/zipper_broke_on_my_kuhl_fleece_after_10_years_and/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qrq74u", "score": 928, "num_comments": 23, "created_utc": 1769827206.0, "selftext": "", "sort": "top", "upvote_ratio": 0.99, "author": "-AXIS-"}


topic_name: VeriFI my plan
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qtgef7/verifi_my_plan/
collected_at: 2026-02-12T00:06:47.000036+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qtgef7", "score": 0, "num_comments": 18, "created_utc": 1769993464.0, "selftext": "Throwaway account. Looking for feedback. \u00a0Trying to see if I\u2019m on track to FI and any potential considerations.\n\n\\&gt; Late thirties, married, no kids. Still not sure if we are having a kid, but one max.  \n\\&gt; Wife is not interesting in FI/RE. We make a similar salary and split expenses  \n\\&gt; Live in MCOL area\n\nBelow are my finances only (not counting wife):  \n\\&gt; $2.3M all stock index funds. Targeting $2.6M  \n\\&gt; Puts me at $6500-8650/mo target budget (3-4% rule)\n\n\\&gt; House is $500K, ", "sort": "hot", "upvote_ratio": 0.49, "author": "Glum-Ideal-6765"}

selftext:
Throwaway account. Looking for feedback.  Trying to see if I’m on track to FI and any potential considerations.

\&gt; Late thirties, married, no kids. Still not sure if we are having a kid, but one max.  
\&gt; Wife is not interesting in FI/RE. We make a similar salary and split expenses  
\&gt; Live in MCOL area

Below are my finances only (not counting wife):  
\&gt; $2.3M all stock index funds. Targeting $2.6M  
\&gt; Puts me at $6500-8650/mo target budget (3-4% rule)

\&gt; House is $500K, 


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397220+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What is Claude Code, and how is it being "dumbed down" - what are the implications for programming and coding?

metadata:
{"original_headline": "Claude Code is being dumbed down? - Hacker News", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


source: youtube
region: US
url: https://youtube.com/watch?v=vfpQbv7CmeE
collected_at: 2026-02-12T00:04:30.406663
autocomplete: []
category: News & Politics
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "vfpQbv7CmeE", "channel": "The Daily Show", "category": "News & Politics", "category_id": 25, "views": "6510649", "view_count": 6510649, "likes": "232290", "published_at": "2026-02-10T04:02:17Z"}


topic_name: Physicists Make Electrons Flow Like Water - Quanta Magazine
source: google_news
region: US
collected_at: 2026-02-12T00:04:32.195501
autocomplete: []
category: Headlines
reddit_subreddits: []
signal_type: news_context
metadata:
{"published": "Wed, 11 Feb 2026 15:05:50 GMT", "source_publication": "Quanta Magazine", "category": "Headlines"}


topic_name: Can I file for a composite 1099 tax?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r25sr6/can_i_file_for_a_composite_1099_tax/
collected_at: 2026-02-12T00:04:41.814903+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r25sr6", "score": 2, "num_comments": 2, "created_utc": 1770835495.0, "selftext": "My brokerage says the form wont be ready on or after 2/13 but I already see a composite 1099 available. Can I just use that and file it now?", "sort": "hot", "upvote_ratio": 0.67, "author": "Imaginary_Truth_3865"}

selftext:
My brokerage says the form wont be ready on or after 2/13 but I already see a composite 1099 available. Can I just use that and file it now?


topic_name: Normal for a 20 year old to pay $200/month for health insurance? Feeling overwhelmed.
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qhdyp1/normal_for_a_20_year_old_to_pay_200month_for/
collected_at: 2026-02-12T00:04:45.418199+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qhdyp1", "score": 411, "num_comments": 347, "created_utc": 1768850761.0, "selftext": "Hey everyone, I\u2019m hoping to get some perspective because this has been stressing me out a lot.\n\nI\u2019m 20 years old, a college student in California, and I make about $50k a year working as a server. I recently enrolled in health insurance through Covered California and ended up on a Kaiser \u201cMinimum Coverage HMO\u201d plan.\n\nHere are the details of my plan:\n\n\u2022 Monthly premium: $202.78\n\n\u2022 Yearly deductible: $10,600\n\n\u2022 Out-of-pocket max: $10,600\n\n\u2022 Almost everything is 0% coinsurance AFTER deductible\n\nSo ", "sort": "top", "upvote_ratio": 0.88, "author": "TigerWeary3067"}

selftext:
Hey everyone, I’m hoping to get some perspective because this has been stressing me out a lot.

I’m 20 years old, a college student in California, and I make about $50k a year working as a server. I recently enrolled in health insurance through Covered California and ended up on a Kaiser “Minimum Coverage HMO” plan.

Here are the details of my plan:

• Monthly premium: $202.78

• Yearly deductible: $10,600

• Out-of-pocket max: $10,600

• Almost everything is 0% coinsurance AFTER deductible

So 


topic_name: How accurate is Edmunds Suggested Price?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r16bnc/how_accurate_is_edmunds_suggested_price/
collected_at: 2026-02-12T00:04:50.635728+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r16bnc", "score": 1, "num_comments": 6, "created_utc": 1770742839.0, "selftext": "I\u2019ve been noticing that the Edmunds suggested price is always lower than the dealership prices listed on the edmunds search. How accurate is that price? Can it be used as a target for negotiating with dealerships? Is it more/leas accurate for new vs used or same? Curious to hear thoughts on this from both buyers and sellers!", "sort": "hot", "upvote_ratio": 0.6, "author": "CompilingTheFuture"}

selftext:
I’ve been noticing that the Edmunds suggested price is always lower than the dealership prices listed on the edmunds search. How accurate is that price? Can it be used as a target for negotiating with dealerships? Is it more/leas accurate for new vs used or same? Curious to hear thoughts on this from both buyers and sellers!


topic_name: OTD price text / email
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qo372k/otd_price_text_email/
collected_at: 2026-02-12T00:04:53.860308+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qo372k", "score": 25, "num_comments": 69, "created_utc": 1769486420.0, "selftext": "Just bought a car for myself from a dealership. I inquired and asked OtD numbers. They sent it, I agreed, drove in an bought.\n\nMy wife is shopper too, we inquired at a different dealership and asked for OTD numbers. They said not over the phone and ghosted us. \n\nWhat gives? How to know if we want to buy if we don\u2019t know the numbers? Scared of hidden fees and a drawn out negotiation.\n\nAdvice?", "sort": "top", "upvote_ratio": 0.82, "author": "darnok128"}

selftext:
Just bought a car for myself from a dealership. I inquired and asked OtD numbers. They sent it, I agreed, drove in an bought.

My wife is shopper too, we inquired at a different dealership and asked for OTD numbers. They said not over the phone and ghosted us. 

What gives? How to know if we want to buy if we don’t know the numbers? Scared of hidden fees and a drawn out negotiation.

Advice?


topic_name: Desperately seeking advice
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1wg3e/desperately_seeking_advice/
collected_at: 2026-02-12T00:04:59.457493+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1wg3e", "score": 0, "num_comments": 11, "created_utc": 1770814003.0, "selftext": "Hi I am a 24y female and was once very healthy. Suddenly I was hit with the most debilitating symptoms that caused me to not be able to go into work (substitute teacher). I have heavy student loans on me and while federal loans are at $0 due to income. My private student loan is over 750 a month. On top of that I have credit card debt from just trying to make it by. I have applied for numerous jobs that seemed doable for someone who needs to be seated a lot. Unfortunately no call backs/interview", "sort": "hot", "upvote_ratio": 0.43, "author": "Kat24776-10"}

selftext:
Hi I am a 24y female and was once very healthy. Suddenly I was hit with the most debilitating symptoms that caused me to not be able to go into work (substitute teacher). I have heavy student loans on me and while federal loans are at $0 due to income. My private student loan is over 750 a month. On top of that I have credit card debt from just trying to make it by. I have applied for numerous jobs that seemed doable for someone who needs to be seated a lot. Unfortunately no call backs/interview


topic_name: I finally paid off my credit card!
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qivgt4/i_finally_paid_off_my_credit_card/
collected_at: 2026-02-12T00:05:03.489240+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qivgt4", "score": 1214, "num_comments": 37, "created_utc": 1768994988.0, "selftext": "Back in August I started really working to pay down my credit card debt.  I was sick of the stress of making minimum payments and still not seeing the balance go down.  Card was maxed out above the $8,000 limit with an additional \\~$400 in interest, and my credit score was in the mid 500s.\n\nToday, I finally hit a zero balance, and a credit score over 700!  Hooray!", "sort": "top", "upvote_ratio": 0.99, "author": "RiskyMama"}

selftext:
Back in August I started really working to pay down my credit card debt.  I was sick of the stress of making minimum payments and still not seeing the balance go down.  Card was maxed out above the $8,000 limit with an additional \~$400 in interest, and my credit score was in the mid 500s.

Today, I finally hit a zero balance, and a credit score over 700!  Hooray!


topic_name: Diamond Global real or fake? https://adkdiamondglobal.mobirisesite.com/#
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r258jy/diamond_global_real_or_fake/
collected_at: 2026-02-12T00:05:08.886701+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r258jy", "score": 0, "num_comments": 5, "created_utc": 1770834282.0, "selftext": "I started my first GoFundMe. I keep getting messages about how long my campaign has been up and If I can discuss better ways to reach and interact with different audiences. I\u2019m very skeptical. The person who messaged me was on TikTok and it started off as general conversation. She referred me to this website saying this company helped them and they started getting donations within 24 hours.\n\nTranscript:\n\n\\- TikTok user: If you want, I can give you their contact. They\u2019re called ADK Diamond Global", "sort": "hot", "upvote_ratio": 0.25, "author": "lowkey420queen"}

selftext:
I started my first GoFundMe. I keep getting messages about how long my campaign has been up and If I can discuss better ways to reach and interact with different audiences. I’m very skeptical. The person who messaged me was on TikTok and it started off as general conversation. She referred me to this website saying this company helped them and they started getting donations within 24 hours.

Transcript:

\- TikTok user: If you want, I can give you their contact. They’re called ADK Diamond Global


topic_name: Almost got scammed, thanks Redditt!!
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qcluxc/almost_got_scammed_thanks_redditt/
collected_at: 2026-02-12T00:05:12.358890+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qcluxc", "score": 147, "num_comments": 47, "created_utc": 1768393227.0, "selftext": "I was looking online for some work from home jobs, and came across the  Impulse Inc. Mechanical Turk site. Was just about to put in my credit card # for the $17 to get the training, when I saw a spot for a coupon code, so I thought I'd check to see if there were any coupon codes available, and found this site on Reddit about Scams! There, right in front of me, in black and white, was the exact same company listed with people being scammed! Thanks so much for possibly saving me a whole bunch of m", "sort": "top", "upvote_ratio": 0.96, "author": "Naive-Marionberry641"}

selftext:
I was looking online for some work from home jobs, and came across the  Impulse Inc. Mechanical Turk site. Was just about to put in my credit card # for the $17 to get the training, when I saw a spot for a coupon code, so I thought I'd check to see if there were any coupon codes available, and found this site on Reddit about Scams! There, right in front of me, in black and white, was the exact same company listed with people being scammed! Thanks so much for possibly saving me a whole bunch of m


topic_name: Link to unsubscribe from email expires within 3 days of email receipt
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889780+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1q2ex8h/link_to_unsubscribe_from_email_expires_within_3/

metadata:
{"subreddit": "assholedesign", "post_id": "1q2ex8h", "score": 865, "num_comments": 33, "created_utc": 1767398322.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.93, "author": "cherdai7"}


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qykb2t/parent_signed_me_up_for_a_life_insurance_back/
collected_at: 2026-02-12T00:05:26.020500+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
Parent signed me up for a life insurance back when i was younger and recently realized it was an mlm

metadata:
{"subreddit": "antiMLM", "post_id": "1qykb2t", "score": 46, "num_comments": 23, "created_utc": 1770486524.0, "selftext": "One of my parents signed me up for a life insurance plan when i was younger, and i didnt think much of it. However, a few months ago my i did some more research on her \u201cgroup\u201d, and realized it was a mlm. \n\nI talked with my sister about it, and we both tried hinting at my parent about these things, but it seems like they\u2019re too far in, and we sort of just gave up. However, im just wondering, is there any consequence for me being apart of this life insurance plan for their group? I heard they sell", "sort": "hot", "upvote_ratio": 0.94, "author": "InflationTasty5548"}

selftext:
One of my parents signed me up for a life insurance plan when i was younger, and i didnt think much of it. However, a few months ago my i did some more research on her “group”, and realized it was a mlm. 

I talked with my sister about it, and we both tried hinting at my parent about these things, but it seems like they’re too far in, and we sort of just gave up. However, im just wondering, is there any consequence for me being apart of this life insurance plan for their group? I heard they sell


topic_name: The old sales tactic of body shaming a pregnant woman to sell weight loss supplements.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qob0f7/the_old_sales_tactic_of_body_shaming_a_pregnant/
collected_at: 2026-02-12T00:05:30.135132+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qob0f7", "score": 198, "num_comments": 20, "created_utc": 1769512305.0, "selftext": "This story takes place years ago. I was pregnant for the first time, and it was a healthy pregnancy. I'm very short, so of course, I had quite the large baby bump. My husband's side of the family tends to have large babies. His great grandpa was a 13 pounder, and my husband was 8 pounds at birth despite being 3 weeks early. \n\nMy cousin-in law's wife had started selling thrive. She was incredibly pushy with us and constantly telling us to share what she put on Facebook. One day, she reached out t", "sort": "top", "upvote_ratio": 0.97, "author": "[deleted]"}

selftext:
This story takes place years ago. I was pregnant for the first time, and it was a healthy pregnancy. I'm very short, so of course, I had quite the large baby bump. My husband's side of the family tends to have large babies. His great grandpa was a 13 pounder, and my husband was 8 pounds at birth despite being 3 weeks early. 

My cousin-in law's wife had started selling thrive. She was incredibly pushy with us and constantly telling us to share what she put on Facebook. One day, she reached out t


topic_name: Can I recover transportation costs due to insurance delays?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r210hm/can_i_recover_transportation_costs_due_to/
collected_at: 2026-02-12T00:05:44.256665+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r210hm", "score": 1, "num_comments": 7, "created_utc": 1770825173.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "angeloftheafterlife"}


topic_name: Any insurance workers out there able to explain this to me please
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qrjovu/any_insurance_workers_out_there_able_to_explain/
collected_at: 2026-02-12T00:05:47.658373+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qrjovu", "score": 18, "num_comments": 104, "created_utc": 1769810887.0, "selftext": "STOP GIVING PEOPLE BAD ADVICE. YOU ARE THE ROOT OF PROBLEMS. IF YOU DO NOT KNOW, THEN SAY NOTHING. THIS THREAD IS RIDDLED WITH BAD ADVICE AND FAKE KNOW IT ALLS.\n\n\n\nMy son got into a not at fault accident dec 24th in his truck. The truck was totaled. Policy canceled. Policy was with me for him to be a driver as the truck was still in my name. I just listed him as the primary driver.\n\nThe insurance company instantly added him as the main driver of my 2nd vehicle without me requesting it.\n\nMy son b", "sort": "top", "upvote_ratio": 0.62, "author": "Worth_Air_9410"}

selftext:
STOP GIVING PEOPLE BAD ADVICE. YOU ARE THE ROOT OF PROBLEMS. IF YOU DO NOT KNOW, THEN SAY NOTHING. THIS THREAD IS RIDDLED WITH BAD ADVICE AND FAKE KNOW IT ALLS.



My son got into a not at fault accident dec 24th in his truck. The truck was totaled. Policy canceled. Policy was with me for him to be a driver as the truck was still in my name. I just listed him as the primary driver.

The insurance company instantly added him as the main driver of my 2nd vehicle without me requesting it.

My son b


topic_name: Shop app doesn’t allow email disconnection
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1pff724/shop_app_doesnt_allow_email_disconnection/
collected_at: 2026-02-12T00:05:53.366333+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1pff724", "score": 11, "num_comments": 5, "created_utc": 1764991890.0, "selftext": "Today, the Shop app (by Shopify) pulled in an order that I made directly through Apple\u2019s website. This led me down the rabbit hole of figuring out how Shop possibly could have pulled this data.  \n\nTurns out, when you sign up with your Google account, they request email access as well (without being up front about it).  This allows them to search your entire inbox for orders from other stores. There is nothing stopping them from reading any/all of your emails.\n\nAs if doing that silently isn\u2019t int", "sort": "hot", "upvote_ratio": 0.92, "author": "Empty-Average-6343"}

selftext:
Today, the Shop app (by Shopify) pulled in an order that I made directly through Apple’s website. This led me down the rabbit hole of figuring out how Shop possibly could have pulled this data.  

Turns out, when you sign up with your Google account, they request email access as well (without being up front about it).  This allows them to search your entire inbox for orders from other stores. There is nothing stopping them from reading any/all of your emails.

As if doing that silently isn’t int


topic_name: $4.55/lb corned beef, $3.11/lb cheese -- this is heaven
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qyyg84/455lb_corned_beef_311lb_cheese_this_is_heaven/
collected_at: 2026-02-12T00:06:01.656934+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qyyg84", "score": 85, "num_comments": 43, "created_utc": 1770522196.0, "selftext": " So I just scored corned beef for $4.55 per pound and cheese (all varieties from mozzarella to Gouda to Swiss) in the vicinity of $3 - $4 per pound. \n\nWhere is this magical place, you ask? Restaurant Depot, which sells mostly to restaurants but also gives free \"day passes\" to individual shoppers. \n\nYou typically have to buy in bulk, which can mean a chunk of corned beef or a loaf of cheese. But there can be smaller packages, too -- such as 1.5 pounds of cheese or two pounds of frozen shrimp. \n\nD", "sort": "hot", "upvote_ratio": 0.81, "author": "Internal_Essay9230"}

selftext:
 So I just scored corned beef for $4.55 per pound and cheese (all varieties from mozzarella to Gouda to Swiss) in the vicinity of $3 - $4 per pound. 

Where is this magical place, you ask? Restaurant Depot, which sells mostly to restaurants but also gives free "day passes" to individual shoppers. 

You typically have to buy in bulk, which can mean a chunk of corned beef or a loaf of cheese. But there can be smaller packages, too -- such as 1.5 pounds of cheese or two pounds of frozen shrimp. 

D


topic_name: Stopped being "brand loyal" and saved a ton of money
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qr9uog/stopped_being_brand_loyal_and_saved_a_ton_of_money/
collected_at: 2026-02-12T00:06:05.044525+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qr9uog", "score": 437, "num_comments": 165, "created_utc": 1769789775.0, "selftext": "I used to have certain things I would only buy brand names of, and they got so expensive, I decided to try some of the generics and store brands. Some are just as good, some aren't, so I still buy a couple of name brands, but mostly not. \n\nSome name brands I still buy are Fritos and Cheetos (store brands tend to taste bad, sometimes like chemicals), Green Giant frozen corn, and Nature's Own bread. The store brands just aren't the same.\n\nI also tried making my own items, and some are just as good", "sort": "top", "upvote_ratio": 0.92, "author": "OldLadyGardener"}

selftext:
I used to have certain things I would only buy brand names of, and they got so expensive, I decided to try some of the generics and store brands. Some are just as good, some aren't, so I still buy a couple of name brands, but mostly not. 

Some name brands I still buy are Fritos and Cheetos (store brands tend to taste bad, sometimes like chemicals), Green Giant frozen corn, and Nature's Own bread. The store brands just aren't the same.

I also tried making my own items, and some are just as good


topic_name: SoFi hates people who pay off their credit cards.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1bjji/sofi_hates_people_who_pay_off_their_credit_cards/
collected_at: 2026-02-12T00:06:10.587892+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1bjji", "score": 83, "num_comments": 69, "created_utc": 1770753969.0, "selftext": "Some context: I have had a SoFi investment account since 2020. I have had a SoFi 2% cash back card since 2021. My credit score is 759. I have never carried over a balance and have paid off the card every month without fail.\n\nI received an email stating that SoFi would begin charging 10$ per month for their 2% cash back card.\n\nI talked to a customer service rep through their chat today. At first the rep said that being SoFi Plus member would get rid of the credit card charge. And I considered thi", "sort": "hot", "upvote_ratio": 0.86, "author": "lakelilypad"}

selftext:
Some context: I have had a SoFi investment account since 2020. I have had a SoFi 2% cash back card since 2021. My credit score is 759. I have never carried over a balance and have paid off the card every month without fail.

I received an email stating that SoFi would begin charging 10$ per month for their 2% cash back card.

I talked to a customer service rep through their chat today. At first the rep said that being SoFi Plus member would get rid of the credit card charge. And I considered thi


topic_name: NC learners permit is expired, can I get an ID in AL without the number?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2dnf4/nc_learners_permit_is_expired_can_i_get_an_id_in/
collected_at: 2026-02-12T00:06:18.920870+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2dnf4", "score": 1, "num_comments": 0, "created_utc": 1770853406.0, "selftext": "Location: Alabama and North Carolina. \n\nLong story short I don\u2019t have access to my expired permit and don\u2019t know the number associated with said permit. I\u2019ve moved states from North Carolina and now live in Alabama. I have my birth certificate and social security card as well as a medical record from a flu shot received in AL and a government letter addressed to my current residence in AL. Would they need my permit number to transfer it so I can get an ID or since it\u2019s expired will I be able to ", "sort": "hot", "upvote_ratio": 1.0, "author": "GenderfluidReuben"}

selftext:
Location: Alabama and North Carolina. 

Long story short I don’t have access to my expired permit and don’t know the number associated with said permit. I’ve moved states from North Carolina and now live in Alabama. I have my birth certificate and social security card as well as a medical record from a flu shot received in AL and a government letter addressed to my current residence in AL. Would they need my permit number to transfer it so I can get an ID or since it’s expired will I be able to 


topic_name: Friend broke my collarbone and is reluctant to cover medical bills
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qqhiku/friend_broke_my_collarbone_and_is_reluctant_to/
collected_at: 2026-02-12T00:06:22.356534+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qqhiku", "score": 1238, "num_comments": 111, "created_utc": 1769713011.0, "selftext": "Location: Tennessee \n\nhowdy! a couple months ago i was out at a bar with a few friends. at the end of the night we were gathered in front of the establishment (in camera view) and a buddy of mine, without provocation / permission, picked me up, lost balance, and pile drove me into the concrete. there was no rough housing or instigation; he felt excited and compelled to pick me up and isn't a strong person. i was helpless to defend myself and my collarbone snapped instantly. i spent the night in ", "sort": "top", "upvote_ratio": 0.96, "author": "furiousgeorge10"}

selftext:
Location: Tennessee 

howdy! a couple months ago i was out at a bar with a few friends. at the end of the night we were gathered in front of the establishment (in camera view) and a buddy of mine, without provocation / permission, picked me up, lost balance, and pile drove me into the concrete. there was no rough housing or instigation; he felt excited and compelled to pick me up and isn't a strong person. i was helpless to defend myself and my collarbone snapped instantly. i spent the night in 


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qwdmtm/lpt_in_job_interviews_try_the_star_method/
collected_at: 2026-02-12T00:06:28.286058+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: In job interviews, try the STAR method: Situation, Task, Action, Result. Listing exact keywords from the job ad that align with qualifiers from your resume.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qwdmtm", "score": 1959, "num_comments": 87, "created_utc": 1770272203.0, "selftext": "As an example: \"At \\[past company\\] an example of \\[your question\\] would relate to a time where I did x, y, and z. Where I had to do x, y, and z. To do this I did x, y, and z and as a result achieve z, y, and z.\" Fill in x, y, and z with specific keywords that qualify you for the job.\n\nAlso works well in virtual interviews!\n\nGood luck!", "sort": "hot", "upvote_ratio": 0.9, "author": "cam-douglas"}

selftext:
As an example: "At \[past company\] an example of \[your question\] would relate to a time where I did x, y, and z. Where I had to do x, y, and z. To do this I did x, y, and z and as a result achieve z, y, and z." Fill in x, y, and z with specific keywords that qualify you for the job.

Also works well in virtual interviews!

Good luck!


topic_name: BIFL Weightlifting shoes - ASICS 727
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0w88y/bifl_weightlifting_shoes_asics_727/
collected_at: 2026-02-12T00:06:36.789679+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0w88y", "score": 32, "num_comments": 19, "created_utc": 1770715559.0, "selftext": "IMO the grail weightlifting/gym shoes\n\nMade in Japan in small batches (4x per year)\n\nFull Suede upper\n\nBlake stitched outsole with wooden heel (repairable!)\n\nSimple lacing system vs. straps for modern shoes", "sort": "hot", "upvote_ratio": 0.83, "author": "KingRamaXI"}

selftext:
IMO the grail weightlifting/gym shoes

Made in Japan in small batches (4x per year)

Full Suede upper

Blake stitched outsole with wooden heel (repairable!)

Simple lacing system vs. straps for modern shoes


topic_name: Found a 1960s Osterizer blender and it destroys my ninja
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qdnes8/found_a_1960s_osterizer_blender_and_it_destroys/
collected_at: 2026-02-12T00:06:40.492270+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qdnes8", "score": 924, "num_comments": 156, "created_utc": 1768492881.0, "selftext": "I paid $8 for this thing and it blends better than my $150 ninja that died after 2 years. all metal gears, glass jar, simple design with like 3 buttons the motor sounds like a jet engine but it pulverizes everything. Ice, frozen fruit, whatever. Meanwhile my ninja would overheat and shut off if I made more than one smoothie. I looked into buying another vintage one as a backup but couldnt view all the pictures properly so its hard to judge condition. I ended up just taking care of the one I have", "sort": "top", "upvote_ratio": 0.97, "author": "Moist-Perspective934"}

selftext:
I paid $8 for this thing and it blends better than my $150 ninja that died after 2 years. all metal gears, glass jar, simple design with like 3 buttons the motor sounds like a jet engine but it pulverizes everything. Ice, frozen fruit, whatever. Meanwhile my ninja would overheat and shut off if I made more than one smoothie. I looked into buying another vintage one as a backup but couldnt view all the pictures properly so its hard to judge condition. I ended up just taking care of the one I have


topic_name: Question about using a pension/annuity to FIRE
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000040+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qsbz27/question_about_using_a_pensionannuity_to_fire/

metadata:
{"subreddit": "financialindependence", "post_id": "1qsbz27", "score": 31, "num_comments": 33, "created_utc": 1769888263.0, "selftext": "I plan to retire from full time teaching soon, and I will have an early reduced teacher pension of 40K a year.  Luckily, this pension includes health insurance.\n\nI can purchase up to 4 years of pension credit at a cost of 25000 per year which results in 2000 more/year in pension payments (so up to 100K for 8K in pension increase/year).   This is an 8% yearly return with a breakeven of 11.9 years.\n\nThe most compelling reason this seems like a good idea to me is that I could pay this 100K straight", "sort": "hot", "upvote_ratio": 0.84, "author": "FIREful_symmetry"}

selftext:
I plan to retire from full time teaching soon, and I will have an early reduced teacher pension of 40K a year.  Luckily, this pension includes health insurance.

I can purchase up to 4 years of pension credit at a cost of 25000 per year which results in 2000 more/year in pension payments (so up to 100K for 8K in pension increase/year).   This is an 8% yearly return with a breakeven of 11.9 years.

The most compelling reason this seems like a good idea to me is that I could pay this 100K straight


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397223+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What makes a game "fun" according to designers like Shigeru Miyamoto, and how do they incorporate this into game development?


topic_name: Ranking Funniest Liza Koshy Vine Moments (part 32) #shorts #tiktok #usa
source: youtube
region: US
url: https://youtube.com/watch?v=W-rcjQCSbls
collected_at: 2026-02-12T00:04:30.534678
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "W-rcjQCSbls", "channel": "Ha-Ha Rankings", "category": "Entertainment", "category_id": 24, "views": "6449385", "view_count": 6449385, "likes": "194989", "published_at": "2026-02-08T15:00:52Z"}


source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2bu2f/which_tax_software_to_use_if_i_want_to_file/
collected_at: 2026-02-12T00:04:41.814907+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Which tax software to use if I want to file jointly for federal but have to file separately for states?

metadata:
{"subreddit": "personalfinance", "post_id": "1r2bu2f", "score": 1, "num_comments": 6, "created_utc": 1770849019.0, "selftext": "I and my spouse lived and worked in different states in 2025. Both our states require us to file separately in such case. However, I would like to file the federal jointly. Unfortunately, freetaxusa doesn\u2019t support joint federal filing and then separate state filing. What other options do I have? Thanks!", "sort": "hot", "upvote_ratio": 0.6, "author": "darkhorse3141"}

selftext:
I and my spouse lived and worked in different states in 2025. Both our states require us to file separately in such case. However, I would like to file the federal jointly. Unfortunately, freetaxusa doesn’t support joint federal filing and then separate state filing. What other options do I have? Thanks!


topic_name: Employer classified my reinbursment as a bonus throughout the year.
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418202+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qrha6m/employer_classified_my_reinbursment_as_a_bonus/

metadata:
{"subreddit": "personalfinance", "post_id": "1qrha6m", "score": 405, "num_comments": 30, "created_utc": 1769805492.0, "selftext": "My employer offers reimbursement for my private healthcare plan. I just got my W2 back and the $18000 that was supposed to be listed as a tax-free reimbursment is now listed as a bonus. What are my options here?\n\n  \nCan my employer retroactively re-classify the money?", "sort": "top", "upvote_ratio": 0.92, "author": "vukomano"}

selftext:
My employer offers reimbursement for my private healthcare plan. I just got my W2 back and the $18000 that was supposed to be listed as a tax-free reimbursment is now listed as a bonus. What are my options here?

  
Can my employer retroactively re-classify the money?


topic_name: Do I have a chance at a job?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1hyeu/do_i_have_a_chance_at_a_job/
collected_at: 2026-02-12T00:04:50.635732+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1hyeu", "score": 0, "num_comments": 28, "created_utc": 1770768724.0, "selftext": "So I\u2019m young (20) made a mistake at 18 hanging with the wrong group and got into trouble. I now have (Possession of stolen vehicle X2 and Failure to stop to police officer) on my record. I\u2019m paying my dues and serving my probation. I live in California where I\u2019ve noticed it\u2019s required to get a sales license to be able to work at a dealership as a car salesman. I\u2019m very knowledgeable in cars but just messed up with the criminal case. I want to get a job in car salesman because before getting in t", "sort": "hot", "upvote_ratio": 0.38, "author": "Shot_Nefariousness46"}

selftext:
So I’m young (20) made a mistake at 18 hanging with the wrong group and got into trouble. I now have (Possession of stolen vehicle X2 and Failure to stop to police officer) on my record. I’m paying my dues and serving my probation. I live in California where I’ve noticed it’s required to get a sales license to be able to work at a dealership as a car salesman. I’m very knowledgeable in cars but just messed up with the criminal case. I want to get a job in car salesman because before getting in t


topic_name: Petty Politics between salesman
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qort6e/petty_politics_between_salesman/
collected_at: 2026-02-12T00:04:53.860312+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qort6e", "score": 23, "num_comments": 33, "created_utc": 1769550589.0, "selftext": "so I just started working at a nissan dealership a few weeks ago. does anyone else have a problem with the other salespeople getting upset you are \"stealing\" their repeat customers? I was handed a list of potential leads and 90% of them were previously sold by 2 of the other salesman that have been here the longest. I got an appointment with two and now do I have to just hand them over to keep my coworkers happy? my managers dont care, but im getting frustrated... ", "sort": "top", "upvote_ratio": 0.84, "author": "that1guy14"}

selftext:
so I just started working at a nissan dealership a few weeks ago. does anyone else have a problem with the other salespeople getting upset you are "stealing" their repeat customers? I was handed a list of potential leads and 90% of them were previously sold by 2 of the other salesman that have been here the longest. I got an appointment with two and now do I have to just hand them over to keep my coworkers happy? my managers dont care, but im getting frustrated... 


topic_name: Need tips on quick cash
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1o9yq/need_tips_on_quick_cash/
collected_at: 2026-02-12T00:04:59.457496+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1o9yq", "score": 2, "num_comments": 15, "created_utc": 1770786101.0, "selftext": "Ive been scrounging the internet for anything. It either takes forever to get the cash, its a scam, or its no reliable.\n\n Ive (very poorly) tried the feet pics thing (because idc about my feet, dont like em) and tbh I'd do anything plus make em pretty to simply earn money that way. Not doing foot finder or whatever the website was called. Would rather stick to twitter/insta and be paid thru $app.\n\nBut I really need some cash now as its been a full week of stretching $20 and it isn't much to go b", "sort": "hot", "upvote_ratio": 0.55, "author": "shamelesslilac"}

selftext:
Ive been scrounging the internet for anything. It either takes forever to get the cash, its a scam, or its no reliable.

 Ive (very poorly) tried the feet pics thing (because idc about my feet, dont like em) and tbh I'd do anything plus make em pretty to simply earn money that way. Not doing foot finder or whatever the website was called. Would rather stick to twitter/insta and be paid thru $app.

But I really need some cash now as its been a full week of stretching $20 and it isn't much to go b


topic_name: [US] Can someone explain this "High Ticket, Remote Sales" Instagram Scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1q60p/us_can_someone_explain_this_high_ticket_remote/
collected_at: 2026-02-12T00:05:08.886705+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1q60p", "score": 2, "num_comments": 24, "created_utc": 1770792219.0, "selftext": "I am sick and tired of seeing these phony \"influencers\" on Instagram promote their \"high ticket, remote sales\" course that has completely transformed their lives and granted them high six-figure per-month salaries while being able to work from anywhere in the world, like a digital nomad.\n\nIt is usually a young attractive woman in her 20s with a few hundred thousand IG followers. Seriously, what is this scam and who even is falling for this BS to begin with?", "sort": "hot", "upvote_ratio": 1.0, "author": "_MambaForever"}

selftext:
I am sick and tired of seeing these phony "influencers" on Instagram promote their "high ticket, remote sales" course that has completely transformed their lives and granted them high six-figure per-month salaries while being able to work from anywhere in the world, like a digital nomad.

It is usually a young attractive woman in her 20s with a few hundred thousand IG followers. Seriously, what is this scam and who even is falling for this BS to begin with?


topic_name: [US] Failed credit union scam attempt - Don't make my mistakes!
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qnkzfp/us_failed_credit_union_scam_attempt_dont_make_my/
collected_at: 2026-02-12T00:05:12.358894+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qnkzfp", "score": 145, "num_comments": 26, "created_utc": 1769445280.0, "selftext": "I hang around in this sub a lot and I like to offer advice to others when I can. I experienced a scam attempt on Sunday demonstrating to me just how good these people can be when trying to convince you they are genuine.\n\nIn the middle of Sunday's playoff game, I received a text message from my credit union (specifically named), asking if I made a $240 purchase at a Target in Lansing, Michigan (I'm in Florida). This account's debit card had been compromised at least three times previously, so it ", "sort": "top", "upvote_ratio": 0.97, "author": "joe_attaboy"}

selftext:
I hang around in this sub a lot and I like to offer advice to others when I can. I experienced a scam attempt on Sunday demonstrating to me just how good these people can be when trying to convince you they are genuine.

In the middle of Sunday's playoff game, I received a text message from my credit union (specifically named), asking if I made a $240 purchase at a Target in Lansing, Michigan (I'm in Florida). This account's debit card had been compromised at least three times previously, so it 


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1q14rm4/google_messages_backups_eat_storage_with_no/
collected_at: 2026-02-12T00:05:17.889784+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Google Messages backups eat storage with no cleanup tools — feels intentionally designed to force paid upgrades

metadata:
{"subreddit": "assholedesign", "post_id": "1q14rm4", "score": 502, "num_comments": 25, "created_utc": 1767275825.0, "selftext": "I\u2019ve been trying to clean up my phone backups and keep running into the same wall with Google Messages, and it\u2019s honestly pretty frustrating.\n\nMessages (especially MMS and shared media) get lumped into Android\u2019s device backup that counts against Google Drive / Google One storage. Over time, that can add up to several gigabytes, but there\u2019s basically no way to see what\u2019s actually taking up the space or clean it up in any targeted way.\n\nThis matters because Google gives you 15 GB for free, and onc", "sort": "hot", "upvote_ratio": 0.93, "author": "ShoobieDoobie33"}

selftext:
I’ve been trying to clean up my phone backups and keep running into the same wall with Google Messages, and it’s honestly pretty frustrating.

Messages (especially MMS and shared media) get lumped into Android’s device backup that counts against Google Drive / Google One storage. Over time, that can add up to several gigabytes, but there’s basically no way to see what’s actually taking up the space or clean it up in any targeted way.

This matters because Google gives you 15 GB for free, and onc


topic_name: Primerica got me... Help to get out
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qy5ryl/primerica_got_me_help_to_get_out/
collected_at: 2026-02-12T00:05:26.020504+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qy5ryl", "score": 313, "num_comments": 83, "created_utc": 1770443442.0, "selftext": "I got recruited by Primerica. I got \"hired\" today, and also went through their \"orientation\", so I signed a bunch of stuff, gave them my personal and bank info. They charged my credit card for $99 and $25. I can't even remember what it was supposed to be for. I stupidly fell for their scheme, and realized after. Tomorrow morning, I'm supposed to have my first meeting for training.\n\nHow do I get out, and can I get my money back?\n\nEdit: Thank you to everyone who offered help and advice. I greatly ", "sort": "hot", "upvote_ratio": 0.95, "author": "Vmartz96"}

selftext:
I got recruited by Primerica. I got "hired" today, and also went through their "orientation", so I signed a bunch of stuff, gave them my personal and bank info. They charged my credit card for $99 and $25. I can't even remember what it was supposed to be for. I stupidly fell for their scheme, and realized after. Tomorrow morning, I'm supposed to have my first meeting for training.

How do I get out, and can I get my money back?

Edit: Thank you to everyone who offered help and advice. I greatly 


topic_name: Bad faith on Geico- when is it bad faith?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r2a5jo/bad_faith_on_geico_when_is_it_bad_faith/
collected_at: 2026-02-12T00:05:44.256669+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r2a5jo", "score": 0, "num_comments": 14, "created_utc": 1770845160.0, "selftext": "My car was stolen out of my driveway back on October 4th/5th- I had not even known my car was gone until I walked outside approximately 8:30am one Sunday morning, to find two officers in my driveway, advising me that my car was found in middle of the state floating in a body of water! The car was a total loss I was told from day one, since it was submerged, and since it is a Porsche. I have never had an auto insurance claim, at least none that I can recall- I am 64 years of age, a single woman, ", "sort": "hot", "upvote_ratio": 0.36, "author": "Stuart-petlady"}

selftext:
My car was stolen out of my driveway back on October 4th/5th- I had not even known my car was gone until I walked outside approximately 8:30am one Sunday morning, to find two officers in my driveway, advising me that my car was found in middle of the state floating in a body of water! The car was a total loss I was told from day one, since it was submerged, and since it is a Porsche. I have never had an auto insurance claim, at least none that I can recall- I am 64 years of age, a single woman, 


topic_name: Hot water tank leaked and ruined the floor, and they are holding me liable
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qpvs6j/hot_water_tank_leaked_and_ruined_the_floor_and/
collected_at: 2026-02-12T00:05:47.658377+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qpvs6j", "score": 17, "num_comments": 75, "created_utc": 1769653182.0, "selftext": "My hot water tank is not inside my townhouse, it is outside in an adjacent room. The pump valve failed and leaked water all over the floor, and as soon as I noticed the water I reported it. Now the landlord is saying I am liable for the damage to the floor that has to be completely replaced, and telling me to file a liability claim with my renters insurance. Their quote for replacing the floor is $5,400. Is this standard procedure? Is it fair to hold me liable for the floor being damaged in a wa", "sort": "top", "upvote_ratio": 0.73, "author": "Stunning_Winner9271"}

selftext:
My hot water tank is not inside my townhouse, it is outside in an adjacent room. The pump valve failed and leaked water all over the floor, and as soon as I noticed the water I reported it. Now the landlord is saying I am liable for the damage to the floor that has to be completely replaced, and telling me to file a liability claim with my renters insurance. Their quote for replacing the floor is $5,400. Is this standard procedure? Is it fair to hold me liable for the floor being damaged in a wa


topic_name: Evaluating dark patterns in social media (short survey)
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1peefw5/evaluating_dark_patterns_in_social_media_short/
collected_at: 2026-02-12T00:05:53.366337+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1peefw5", "score": 2, "num_comments": 0, "created_utc": 1764888642.0, "selftext": "I\u2019m running a small research survey on dark patterns in social media apps. The goal is to collect examples and evaluations of different patterns and then turn this into a practical checklist of \u201cwhat not to do\u201d + safer alternative design ideas for designers and developers.\n\nSurvey link: [https://docs.google.com/forms/d/e/1FAIpQLSf88ez\\_JOtRYtZPCAUm2QyjhwhKc37zUDSJUkNVLlxu2vqOxQ/viewform?usp=header](https://docs.google.com/forms/d/e/1FAIpQLSf88ez_JOtRYtZPCAUm2QyjhwhKc37zUDSJUkNVLlxu2vqOxQ/viewfor", "sort": "hot", "upvote_ratio": 0.75, "author": "Fal-17"}

selftext:
I’m running a small research survey on dark patterns in social media apps. The goal is to collect examples and evaluations of different patterns and then turn this into a practical checklist of “what not to do” + safer alternative design ideas for designers and developers.

Survey link: [https://docs.google.com/forms/d/e/1FAIpQLSf88ez\_JOtRYtZPCAUm2QyjhwhKc37zUDSJUkNVLlxu2vqOxQ/viewform?usp=header](https://docs.google.com/forms/d/e/1FAIpQLSf88ez_JOtRYtZPCAUm2QyjhwhKc37zUDSJUkNVLlxu2vqOxQ/viewfor


topic_name: What are some stay at home valentines ideas
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qyzkgq/what_are_some_stay_at_home_valentines_ideas/
collected_at: 2026-02-12T00:06:01.656938+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qyzkgq", "score": 58, "num_comments": 53, "created_utc": 1770525588.0, "selftext": "My partner and I are trying to save some money. We are late 20s and live far from anything we can go out to do. We cannot really leave the house to do an outdoorsie activity either. \n\nWhat are some things we can do at home? We have some boardgames, craft stuff, tv, some games on the switch, and a couple tei player games on the pc...\n\nWe don't have a bath, access to buy much (though I am doing a grocery trip in a few days with limited budget), any alcohol at all, or much space. I'm VERY passionat", "sort": "hot", "upvote_ratio": 0.87, "author": "Princessbaby2"}

selftext:
My partner and I are trying to save some money. We are late 20s and live far from anything we can go out to do. We cannot really leave the house to do an outdoorsie activity either. 

What are some things we can do at home? We have some boardgames, craft stuff, tv, some games on the switch, and a couple tei player games on the pc...

We don't have a bath, access to buy much (though I am doing a grocery trip in a few days with limited budget), any alcohol at all, or much space. I'm VERY passionat


topic_name: CSR Downgrade/Upgrade Question
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r27fpi/csr_downgradeupgrade_question/
collected_at: 2026-02-12T00:06:10.587896+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r27fpi", "score": 1, "num_comments": 1, "created_utc": 1770839069.0, "selftext": "In June of 2025, I upgraded one of my Freedom cards to the Chase Sapphire Reserve before the refresh. Chase is now allowing people who have not gotten the CSR bonus the ability to get one. Can I use up all the benefits before the annual fee hits, downgrade the card, and re-apply for the CSR to get the bonus AND still get all those benefits back again??? Just wanted clarification on this. I did get the Sapphire Preferred bonus back in late 2024 and just want to make sure what I want to do is poss", "sort": "hot", "upvote_ratio": 0.67, "author": "ConversationEmpty301"}

selftext:
In June of 2025, I upgraded one of my Freedom cards to the Chase Sapphire Reserve before the refresh. Chase is now allowing people who have not gotten the CSR bonus the ability to get one. Can I use up all the benefits before the annual fee hits, downgrade the card, and re-apply for the CSR to get the bonus AND still get all those benefits back again??? Just wanted clarification on this. I did get the Sapphire Preferred bonus back in late 2024 and just want to make sure what I want to do is poss


topic_name: What would make the Chase Sapphire Preferred exciting again?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qyq9gn/what_would_make_the_chase_sapphire_preferred/
collected_at: 2026-02-12T00:06:13.782098+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qyq9gn", "score": 125, "num_comments": 81, "created_utc": 1770500357.0, "selftext": "Last refresh I could see is in 2021. Since then, the Citi Strata Premier, Wells Fargo Autograph, etc. have emerged with competitive, if not superior, multipliers. \n\nFor me, changing the 3x online grocery to just 3x grocery is a good start.", "sort": "top", "upvote_ratio": 0.92, "author": "Rocket_Skates_91"}

selftext:
Last refresh I could see is in 2021. Since then, the Citi Strata Premier, Wells Fargo Autograph, etc. have emerged with competitive, if not superior, multipliers. 

For me, changing the 3x online grocery to just 3x grocery is a good start.


topic_name: Do I have a complaint against this medical professional?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2dlwb/do_i_have_a_complaint_against_this_medical/
collected_at: 2026-02-12T00:06:18.920875+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2dlwb", "score": 0, "num_comments": 1, "created_utc": 1770853300.0, "selftext": "LOCATION: oregon \n\nMy son is 9. Suffering from depression, anxiety, and adhd (so far) he sees a therapist and a psych to prescribe medications. My main complaint is, in oregon, children don't have agency until they are about 13-15. His psych spoke about participation at our last visit, as he struggles to communicate with others. We spoke in depth about how important this was that he talks and engages during appointments. The following visit comes around and instead of putting effort in to create", "sort": "hot", "upvote_ratio": 0.5, "author": "AggravatingEarth8216"}

selftext:
LOCATION: oregon 

My son is 9. Suffering from depression, anxiety, and adhd (so far) he sees a therapist and a psych to prescribe medications. My main complaint is, in oregon, children don't have agency until they are about 13-15. His psych spoke about participation at our last visit, as he struggles to communicate with others. We spoke in depth about how important this was that he talks and engages during appointments. The following visit comes around and instead of putting effort in to create


topic_name: Help! My landlord died and I’m in a weird situation
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356538+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qcighh/help_my_landlord_died_and_im_in_a_weird_situation/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qcighh", "score": 1146, "num_comments": 132, "created_utc": 1768381040.0, "selftext": "\n\nhere\u2019s the deal, I live in a house with a in law apartment and have been renting the apartment out for 4 years now . My landlord (who lives in the house ) passed away 5 months ago, the will was missing the first month she passed and the family started fighting for the estate , a bunch of family id never seen before  came and took her car and I saw a U-Haul van the day after she died clearing out wardrobes and whatever they could find. They also took her washer and dryer. Anyways the will had b", "sort": "top", "upvote_ratio": 0.97, "author": "Gloomy-Raisin6553"}

selftext:
here’s the deal, I live in a house with a in law apartment and have been renting the apartment out for 4 years now . My landlord (who lives in the house ) passed away 5 months ago, the will was missing the first month she passed and the family started fighting for the estate , a bunch of family id never seen before  came and took her car and I saw a U-Haul van the day after she died clearing out wardrobes and whatever they could find. They also took her washer and dryer. Anyways the will had b


topic_name: LPT: You can remember names easily by associating them with a character from a cartoon, tv show etc
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qy9qf7/lpt_you_can_remember_names_easily_by_associating/
collected_at: 2026-02-12T00:06:28.286061+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qy9qf7", "score": 0, "num_comments": 8, "created_utc": 1770457376.0, "selftext": "I run large teams, teams change every event. I like to remember at least 80 percent of names. So if your name is Luca, I think Gianluca Vialli Chelsea legend. If its Brenda I think Brenda Song from Zach and Cody. Works for most names, as long as you have an association. Met a girl called Sol, Sol a popular station in Madrid. ", "sort": "hot", "upvote_ratio": 0.27, "author": "No_Explanation_9087"}

selftext:
I run large teams, teams change every event. I like to remember at least 80 percent of names. So if your name is Luca, I think Gianluca Vialli Chelsea legend. If its Brenda I think Brenda Song from Zach and Cody. Works for most names, as long as you have an association. Met a girl called Sol, Sol a popular station in Madrid. 


topic_name: LPT: Don’t trust your motivation level at night. Morning-you is a completely different person.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qd113j/lpt_dont_trust_your_motivation_level_at_night/
collected_at: 2026-02-12T00:06:31.302118+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qd113j", "score": 2709, "num_comments": 59, "created_utc": 1768428433.0, "selftext": "Late at night, everything feels doable. Starting a new routine, waking up early, making big plans. If something only sounds realistic at 11 PM, it probably needs to be made easier or scheduled differently. Design plans for tired, unmotivated you, not the optimistic version.", "sort": "top", "upvote_ratio": 0.97, "author": "MontenReign1992"}

selftext:
Late at night, everything feels doable. Starting a new routine, waking up early, making big plans. If something only sounds realistic at 11 PM, it probably needs to be made easier or scheduled differently. Design plans for tired, unmotivated you, not the optimistic version.


topic_name: The Best Kids' Clothes Right Now?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1xqkh/the_best_kids_clothes_right_now/
collected_at: 2026-02-12T00:06:36.789683+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1xqkh", "score": 0, "num_comments": 25, "created_utc": 1770817429.0, "selftext": "Have any of you found clothes that really make a difference? I\u2019m looking for outfits that are soft, long-lasting, easy to wash, and give great value without being ridiculously expensive.\n\nI\u2019ve seen brands like:\n\n*   Carter\u2019s\n    \n*   Hanna Andersson\n    \n*   Gap Kids\n    \n*   Old Navy\n    \n*   Zara Kids\n    \n*   SHEIN\n    \n\nWhat are your go-to picks for kids\u2019 clothes that actually hold up and your little ones love wearing?", "sort": "hot", "upvote_ratio": 0.33, "author": "hikari-desu"}

selftext:
Have any of you found clothes that really make a difference? I’m looking for outfits that are soft, long-lasting, easy to wash, and give great value without being ridiculously expensive.

I’ve seen brands like:

*   Carter’s
    
*   Hanna Andersson
    
*   Gap Kids
    
*   Old Navy
    
*   Zara Kids
    
*   SHEIN
    

What are your go-to picks for kids’ clothes that actually hold up and your little ones love wearing?


topic_name: Two Cuisinart 8qt pots in a row split open (while not in use) within two weeks of purchase
source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492274+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qn5lva/two_cuisinart_8qt_pots_in_a_row_split_open_while/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qn5lva", "score": 896, "num_comments": 179, "created_utc": 1769400416.0, "selftext": "", "sort": "top", "upvote_ratio": 0.97, "author": "Chudsmacker"}


topic_name: For Those Who Transitioned from Full-Time Corporate Role to "Side Hustle"
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000043+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qs77dm/for_those_who_transitioned_from_fulltime/

metadata:
{"subreddit": "financialindependence", "post_id": "1qs77dm", "score": 23, "num_comments": 45, "created_utc": 1769877753.0, "selftext": "When did you know it was the right time to do so? What made you wait vs making the transition sooner?\n\nFor context: I have a normal corporate 9-5 job that pays me \\~$175k (full benefits). I also have a side hustle that nets \\~200-250k a year. I've been able to put away \\~1.6 million between retirement and brokerage accounts.\n\nI've basically fully removed myself from the corporate bullshit/rat race and have no desire to get promoted, mainly because of the impact it would have on my free time and ", "sort": "hot", "upvote_ratio": 0.62, "author": "Marketing_Guy_2023"}

selftext:
When did you know it was the right time to do so? What made you wait vs making the transition sooner?

For context: I have a normal corporate 9-5 job that pays me \~$175k (full benefits). I also have a side hustle that nets \~200-250k a year. I've been able to put away \~1.6 million between retirement and brokerage accounts.

I've basically fully removed myself from the corporate bullshit/rat race and have no desire to get promoted, mainly because of the impact it would have on my free time and 


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397225+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
How do game development studios like Riot balance business decisions with community trust and game quality?


topic_name: Schlatt Had NO WORDS 😭
source: youtube
region: US
url: https://youtube.com/watch?v=FnTI3u6cnsc
collected_at: 2026-02-12T00:04:30.534719
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "FnTI3u6cnsc", "channel": "Big guy", "category": "Entertainment", "category_id": 24, "views": "6221471", "view_count": 6221471, "likes": "558796", "published_at": "2026-02-07T15:30:11Z"}


topic_name: Can I transfer my investments to another country?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814912+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r2b9jq/can_i_transfer_my_investments_to_another_country/

metadata:
{"subreddit": "personalfinance", "post_id": "1r2b9jq", "score": 1, "num_comments": 4, "created_utc": 1770847693.0, "selftext": "Hi all,\n\nI am from Europe but have been living in Canada for a few years. While there, I started getting interested in investing, and started putting some of my money in various index funds.\n\nBecause of some changes in immigration laws where I live, I may have to go back to Europe (I'm staying vague but tell me if you need to know the specific country in order to answer my questions).\n\nI was wondering what the best way was to transfer my investments from one country to another, if such a thing i", "sort": "hot", "upvote_ratio": 0.67, "author": "Drrnfbrgtts"}

selftext:
Hi all,

I am from Europe but have been living in Canada for a few years. While there, I started getting interested in investing, and started putting some of my money in various index funds.

Because of some changes in immigration laws where I live, I may have to go back to Europe (I'm staying vague but tell me if you need to know the specific country in order to answer my questions).

I was wondering what the best way was to transfer my investments from one country to another, if such a thing i


topic_name: Why such a big difference between two Tax companies?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qo6qgz/why_such_a_big_difference_between_two_tax/
collected_at: 2026-02-12T00:04:45.418206+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qo6qgz", "score": 391, "num_comments": 240, "created_utc": 1769497168.0, "selftext": "I have been using TurboTax for 14 straight years, until I decided to look up and compare it\nto FreeTaxUSA just today because its been highly recommended everywhere i look.\n\nTo my surprised, my estimated federal refund is about $1500 more with FreeTaxUSA than TurboTax?\n\nI compared every data I could between the two including the W-2\u2019s, EIC, Additional Child Tax Credits, etc.\n\nI haven\u2019t fully filed my taxes yet on any of the two Tax companies, I just got to a point where I input and uploaded any i", "sort": "top", "upvote_ratio": 0.84, "author": "speedknoxx"}

selftext:
I have been using TurboTax for 14 straight years, until I decided to look up and compare it
to FreeTaxUSA just today because its been highly recommended everywhere i look.

To my surprised, my estimated federal refund is about $1500 more with FreeTaxUSA than TurboTax?

I compared every data I could between the two including the W-2’s, EIC, Additional Child Tax Credits, etc.

I haven’t fully filed my taxes yet on any of the two Tax companies, I just got to a point where I input and uploaded any i


topic_name: New 2025 Kia sorento (rust)
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r15dt5/new_2025_kia_sorento_rust/
collected_at: 2026-02-12T00:04:50.635735+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r15dt5", "score": 1, "num_comments": 5, "created_utc": 1770740810.0, "selftext": "Hi, I just bought a new 2025 kinsorento 2 day ago. I was looking underneath the car and noticed what looked like rust on a car part. Would this be something to worry about and should I bring it up to my dealership?\n\n[Video of rust](https://youtu.be/JKCDFAcI3xc?feature=shared)", "sort": "hot", "upvote_ratio": 0.67, "author": "iMethod32"}

selftext:
Hi, I just bought a new 2025 kinsorento 2 day ago. I was looking underneath the car and noticed what looked like rust on a car part. Would this be something to worry about and should I bring it up to my dealership?

[Video of rust](https://youtu.be/JKCDFAcI3xc?feature=shared)


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qf1rua/why_would_a_dealership_schedule_an_appointment/
collected_at: 2026-02-12T00:04:53.860317+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
Why would a dealership schedule an appointment for an hour after reaching a price agreement only to be told it was sold the day before when I got there?

metadata:
{"subreddit": "askcarsales", "post_id": "1qf1rua", "score": 20, "num_comments": 35, "created_utc": 1768619463.0, "selftext": "I know I should have gone in sooner in the week, but decided to finally go today, agree on a price through text, and then told them I'd be there within 1.5 hours, they schedule an appointment for that time frame,  show up and the guy that greeted me made a couple of phone calls, then told me it was sold the day before.\n\nI don't get why they scheduled an appointment in the first place then!!\n\nMaybe the salesman was annoyed that I didn't answer all the calls during the mornings throughout the week", "sort": "top", "upvote_ratio": 0.66, "author": "Aretheseaj1sreal"}

selftext:
I know I should have gone in sooner in the week, but decided to finally go today, agree on a price through text, and then told them I'd be there within 1.5 hours, they schedule an appointment for that time frame,  show up and the guy that greeted me made a couple of phone calls, then told me it was sold the day before.

I don't get why they scheduled an appointment in the first place then!!

Maybe the salesman was annoyed that I didn't answer all the calls during the mornings throughout the week


topic_name: need guidance to find 4,000 to avoid money judgement.
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r294zv/need_guidance_to_find_4000_to_avoid_money/
collected_at: 2026-02-12T00:04:59.457501+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r294zv", "score": 0, "num_comments": 27, "created_utc": 1770842879.0, "selftext": "Im looking for assistance to help me with a 4,000 loan to pay off the remainder of my money judgment. my deadline is this friday february 14th. ive tried to get help from friends, family members, even advances but i have no leads and am freaking out and feeling hopeless. i dont want this to affect me or my guarantors for the future of their credit. i lost my job a few months ago and this put me in an unfortunate situation, im getting back on my feet now and working but my paycheck has been delay", "sort": "hot", "upvote_ratio": 0.36, "author": "22venusian"}

selftext:
Im looking for assistance to help me with a 4,000 loan to pay off the remainder of my money judgment. my deadline is this friday february 14th. ive tried to get help from friends, family members, even advances but i have no leads and am freaking out and feeling hopeless. i dont want this to affect me or my guarantors for the future of their credit. i lost my job a few months ago and this put me in an unfortunate situation, im getting back on my feet now and working but my paycheck has been delay


source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qvz3zc/new_snap_work_requirements_begin_rolling_out/
collected_at: 2026-02-12T00:05:03.489244+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
New SNAP work requirements begin rolling out across U.S. The changes to the food assistance program could impact benefits for millions of recipients.

metadata:
{"subreddit": "povertyfinance", "post_id": "1qvz3zc", "score": 1184, "num_comments": 94, "created_utc": 1770235160.0, "selftext": "", "sort": "top", "upvote_ratio": 0.97, "author": "esporx"}


topic_name: [US] Shipping inspector jobs
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1if15/us_shipping_inspector_jobs/
collected_at: 2026-02-12T00:05:08.886708+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1if15", "score": 4, "num_comments": 12, "created_utc": 1770769910.0, "selftext": "I fell for a fake job offer from indeed, a swift shipping supply LLC also goes by quick ship LLC. Offered a realy good paying job inspecting packages. Don't fall for this report them immediately. They won't pay you. The whole thing was really convincing and very elaborate. Made me order cases of boxes from post office and made me sign a contract and set up direct deposit. Don't fall for any of this scam. ", "sort": "hot", "upvote_ratio": 0.71, "author": "WholeSoft4295"}

selftext:
I fell for a fake job offer from indeed, a swift shipping supply LLC also goes by quick ship LLC. Offered a realy good paying job inspecting packages. Don't fall for this report them immediately. They won't pay you. The whole thing was really convincing and very elaborate. Made me order cases of boxes from post office and made me sign a contract and set up direct deposit. Don't fall for any of this scam. 


topic_name: Edge doesn't handle breakups well
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1q03nmx/edge_doesnt_handle_breakups_well/
collected_at: 2026-02-12T00:05:17.889787+00:00
autocomplete: []
selftext: I hate this so much
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1q03nmx", "score": 3930, "num_comments": 231, "created_utc": 1767154902.0, "selftext": "I hate this so much", "sort": "hot", "upvote_ratio": 0.98, "author": "jam-time"}


topic_name: "essential" oils
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qyhmz5/essential_oils/
collected_at: 2026-02-12T00:05:26.020507+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qyhmz5", "score": 40, "num_comments": 4, "created_utc": 1770480391.0, "selftext": "A former work friend sends me texts inviting me to her events. It's worded Ike \"see you there\" or \"we'll catch up when I see you at my event\". These people are carefully coached on how to make it look like I have already agreed to go. I know these things because I used to be an Amway distributor and I know the language. Just once it would have been nice to receive a friendly message from her to have lunch and catch up but now I'm not even inclined to do that because she will view me as a sales o", "sort": "hot", "upvote_ratio": 0.95, "author": "bcdog14"}

selftext:
A former work friend sends me texts inviting me to her events. It's worded Ike "see you there" or "we'll catch up when I see you at my event". These people are carefully coached on how to make it look like I have already agreed to go. I know these things because I used to be an Amway distributor and I know the language. Just once it would have been nice to receive a friendly message from her to have lunch and catch up but now I'm not even inclined to do that because she will view me as a sales o


topic_name: 17 months later
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qhtnyn/17_months_later/
collected_at: 2026-02-12T00:05:30.135136+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qhtnyn", "score": 179, "num_comments": 41, "created_utc": 1768890759.0, "selftext": "After 17 long months this huns hair has not only not gotten any longer, it\u2019s also not gotten any thicker or healthier. Heck I\u2019m going to go out on a limb here &amp; go as far as to say it\u2019s actually looking worse. Poor hun. Time to stop sipping the Monat cool aid.", "sort": "top", "upvote_ratio": 0.98, "author": "kbin1970"}

selftext:
After 17 long months this huns hair has not only not gotten any longer, it’s also not gotten any thicker or healthier. Heck I’m going to go out on a limb here &amp; go as far as to say it’s actually looking worse. Poor hun. Time to stop sipping the Monat cool aid.


topic_name: Insurance claim rejected due to hospital transfer date mismatch
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1v43y/insurance_claim_rejected_due_to_hospital_transfer/
collected_at: 2026-02-12T00:05:44.256672+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1v43y", "score": 2, "num_comments": 0, "created_utc": 1770810007.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "BagClean9269"}


topic_name: Dropped by homeowners after large claim
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qpoqsg/dropped_by_homeowners_after_large_claim/
collected_at: 2026-02-12T00:05:47.658381+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qpoqsg", "score": 17, "num_comments": 20, "created_utc": 1769636035.0, "selftext": "Posting on behalf of family. Located in Massachusetts.\n\nThey have had the same insurance company for over 45 years and never put a claim in until last April when their basement flooded due to a burst pipe. The cleanup and restoration was significant and is still ongoing\u2026 But almost finished. \n\nThey got a letter in the mail today saying their insurance company is dropping them in two months. Not fully surprising however when they called their insurance agent, she said no other company will take t", "sort": "top", "upvote_ratio": 0.82, "author": "pahkthecahh"}

selftext:
Posting on behalf of family. Located in Massachusetts.

They have had the same insurance company for over 45 years and never put a claim in until last April when their basement flooded due to a burst pipe. The cleanup and restoration was significant and is still ongoing… But almost finished. 

They got a letter in the mail today saying their insurance company is dropping them in two months. Not fully surprising however when they called their insurance agent, she said no other company will take t


topic_name: Advertising redirects using legit LLM websites to go to scams...
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366340+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1pc696v/advertising_redirects_using_legit_llm_websites_to/

metadata:
{"subreddit": "darkpatterns", "post_id": "1pc696v", "score": 17, "num_comments": 0, "created_utc": 1764675472.0, "selftext": "I guess this goes here - I looked up how to clear space on a mac, fully aware that there are a plethora of tools being pushed, but what caught my attention was two adverts for grok and chatgpt directly. As these go directly to the website with a custom saved session (which grok identified, but chatgpt didn't), they give the impressions of legitimate queries on a base model which they obviously are not.\n\nThe response they have been customised to give gives a completely dodgy command to go to a we", "sort": "hot", "upvote_ratio": 1.0, "author": "PalladianPorches"}

selftext:
I guess this goes here - I looked up how to clear space on a mac, fully aware that there are a plethora of tools being pushed, but what caught my attention was two adverts for grok and chatgpt directly. As these go directly to the website with a custom saved session (which grok identified, but chatgpt didn't), they give the impressions of legitimate queries on a base model which they obviously are not.

The response they have been customised to give gives a completely dodgy command to go to a we


topic_name: All price tags suddenly gone. Coincidence or a new trend?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qyaeu3/all_price_tags_suddenly_gone_coincidence_or_a_new/
collected_at: 2026-02-12T00:06:01.656941+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qyaeu3", "score": 1114, "num_comments": 340, "created_utc": 1770459929.0, "selftext": "Today I went to a local mom-and-pop deli and a big name pharmacy (Walgreens). In both places, I could not find a price tag on items. I mean\u2026 not just one product but everything in the aisles I shopped. \n\nThese are places I go to every few weeks so I\u2019m familiar with their usual pricing methods. \n\nDeli sells wrapped cheeses, sodas, bags of cookies\u2026. Not a single price tag. I thought it was odd but okay, maybe just a glitch. \n\nThen went to Walgreens and the entire beauty aisle had no price tags. Yo", "sort": "hot", "upvote_ratio": 0.94, "author": "poolsharkwannabe"}

selftext:
Today I went to a local mom-and-pop deli and a big name pharmacy (Walgreens). In both places, I could not find a price tag on items. I mean… not just one product but everything in the aisles I shopped. 

These are places I go to every few weeks so I’m familiar with their usual pricing methods. 

Deli sells wrapped cheeses, sodas, bags of cookies…. Not a single price tag. I thought it was odd but okay, maybe just a glitch. 

Then went to Walgreens and the entire beauty aisle had no price tags. Yo


topic_name: Does keeping your appt. cold drive up neighbor’s energy bills?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qg00q2/does_keeping_your_appt_cold_drive_up_neighbors/
collected_at: 2026-02-12T00:06:05.044529+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qg00q2", "score": 427, "num_comments": 111, "created_utc": 1768714079.0, "selftext": "For a while, I kept my heating off, which kept the appt. around 63*F (when outside is around 30-45 degrees). I live on the second floor out of three, with an apartment beside me. Then, it occurred to me that my neighbors might be paying to heat my place, lol, so I walked it back and started heating the place at around 67 degrees.\n\nMy partner claims I\u2019m overthinking it (as I do with a lot of things), so I\u2019m double checking here. I personally would be very fine with keeping the place chilly and bu", "sort": "top", "upvote_ratio": 0.87, "author": "M-useless"}

selftext:
For a while, I kept my heating off, which kept the appt. around 63*F (when outside is around 30-45 degrees). I live on the second floor out of three, with an apartment beside me. Then, it occurred to me that my neighbors might be paying to heat my place, lol, so I walked it back and started heating the place at around 67 degrees.

My partner claims I’m overthinking it (as I do with a lot of things), so I’m double checking here. I personally would be very fine with keeping the place chilly and bu


topic_name: Store Cards with Terrible APR
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r27bih/store_cards_with_terrible_apr/
collected_at: 2026-02-12T00:06:10.587900+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r27bih", "score": 0, "num_comments": 8, "created_utc": 1770838815.0, "selftext": "If I need to make one large purchase and the store offers a 0% interest to spread payments out over 12 months, that seems great; the APR afterwards is like 34.99 - 39.99% which sounds terrible, so was thinking what the pros and cons of getting it, buying, then canceling after 12 months would be. Help analyzing would be appreciated! Thank you for your time!", "sort": "hot", "upvote_ratio": 0.5, "author": "UnretweetedLove"}

selftext:
If I need to make one large purchase and the store offers a 0% interest to spread payments out over 12 months, that seems great; the APR afterwards is like 34.99 - 39.99% which sounds terrible, so was thinking what the pros and cons of getting it, buying, then canceling after 12 months would be. Help analyzing would be appreciated! Thank you for your time!


topic_name: My father is influencing trustee decisions. Is this a conflict of interest or fiduciary breach?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2dia4/my_father_is_influencing_trustee_decisions_is/
collected_at: 2026-02-12T00:06:18.920879+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2dia4", "score": 1, "num_comments": 1, "created_utc": 1770853043.0, "selftext": "**Location: NY**\n\nI am a young adult trust beneficiary trying to understand whether a family trust arrangement may raise legal issues under NY trust law.\n\nThere is a family trust in my name and my father appointed a close personal friend and work colleague as trustee. I've never met or had any direct contact with the trustee despite attempts to do so.\n\nWhen I required trust distributions for basic needs during a medical illness, I was instructed by my father to contact a financial advisor who wo", "sort": "hot", "upvote_ratio": 1.0, "author": "Odd-Ninja-7395"}

selftext:
**Location: NY**

I am a young adult trust beneficiary trying to understand whether a family trust arrangement may raise legal issues under NY trust law.

There is a family trust in my name and my father appointed a close personal friend and work colleague as trustee. I've never met or had any direct contact with the trustee despite attempts to do so.

When I required trust distributions for basic needs during a medical illness, I was instructed by my father to contact a financial advisor who wo


topic_name: My son overheard his mother's boyfriend talking about "getting rid of me"
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qdlgzy/my_son_overheard_his_mothers_boyfriend_talking/
collected_at: 2026-02-12T00:06:22.356542+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qdlgzy", "score": 1102, "num_comments": 72, "created_utc": 1768488488.0, "selftext": "Location: Florida\n\nMy son's mother and I have split custody. Her boyfriend hates me and has said some wild things about me that my son has overheard. This morning, my son called me after leaving their apartment to get on the bus and told me he was afraid for my life because he overheard her boyfriend stating that he knows people in the \"mafia\" and that tomorrow something bad is going to happen to me, and that my son is no longer going to have a father. He also mentioned he heard him talking abou", "sort": "top", "upvote_ratio": 0.96, "author": "SetMirrorForce"}

selftext:
Location: Florida

My son's mother and I have split custody. Her boyfriend hates me and has said some wild things about me that my son has overheard. This morning, my son called me after leaving their apartment to get on the bus and told me he was afraid for my life because he overheard her boyfriend stating that he knows people in the "mafia" and that tomorrow something bad is going to happen to me, and that my son is no longer going to have a father. He also mentioned he heard him talking abou


topic_name: LPT keep your pay stub handy for taxes this year
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qw9bau/lpt_keep_your_pay_stub_handy_for_taxes_this_year/
collected_at: 2026-02-12T00:06:28.286065+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qw9bau", "score": 1245, "num_comments": 116, "created_utc": 1770259624.0, "selftext": "Part of the Big Beautiful Bill they passed is deductions for overtime. I don't remember doing this last year. \n\nIf it's not in Box 14 on your W-2, you should see it on your paycheck under overtime pay, and look for the YTD (year to date) column on the last paycheck you got of 2025", "sort": "hot", "upvote_ratio": 0.9, "author": "CurnanBarbarian"}

selftext:
Part of the Big Beautiful Bill they passed is deductions for overtime. I don't remember doing this last year. 

If it's not in Box 14 on your W-2, you should see it on your paycheck under overtime pay, and look for the YTD (year to date) column on the last paycheck you got of 2025


topic_name: What are the most durable stylish sunglasses that actually last?
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789686+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r1xqh2/what_are_the_most_durable_stylish_sunglasses_that/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1xqh2", "score": 0, "num_comments": 16, "created_utc": 1770817423.0, "selftext": "I\u2019m looking for sunglasses that are both stylish and durable. I got a pair from [1001 Optometry](https://1001optometry.com.au/), and they\u2019ve held up really well no scratches and they still look great. The only problem is, they don\u2019t have other colors, and I\u2019m kind of tired of this one, even though I really love the model.\n\nAnyone found a brand that offers both good looks and real durability? \n\nWhat models have lasted the longest for you?", "sort": "hot", "upvote_ratio": 0.31, "author": "Major_Feed3686"}

selftext:
I’m looking for sunglasses that are both stylish and durable. I got a pair from [1001 Optometry](https://1001optometry.com.au/), and they’ve held up really well no scratches and they still look great. The only problem is, they don’t have other colors, and I’m kind of tired of this one, even though I really love the model.

Anyone found a brand that offers both good looks and real durability? 

What models have lasted the longest for you?


topic_name: A titanium spork for your work or school bag
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qkwm5t/a_titanium_spork_for_your_work_or_school_bag/
collected_at: 2026-02-12T00:06:40.492281+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qkwm5t", "score": 871, "num_comments": 218, "created_utc": 1769188316.0, "selftext": "As someone who always forgets to grab a spoon or fork before leaving for work I switched over to having a dedicated spork made from titanium in my bag. \n\nThey weigh next to nothing and I've had mine in my bag for years now.", "sort": "top", "upvote_ratio": 0.9, "author": "bilinz"}

selftext:
As someone who always forgets to grab a spoon or fork before leaving for work I switched over to having a dedicated spork made from titanium in my bag. 

They weigh next to nothing and I've had mine in my bag for years now.


topic_name: Portfolio to live off dividends with growth - Rate/Advice
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000047+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qsmi9m/portfolio_to_live_off_dividends_with_growth/

metadata:
{"subreddit": "financialindependence", "post_id": "1qsmi9m", "score": 3, "num_comments": 9, "created_utc": 1769914392.0, "selftext": "I look to unexpectedly come into some money soon and I am looking at potentially retiring early in the next 3-5 years now that this money is here. Main reason I wont retire now is I don't know what to do with myself...\n\nMoney - 6 Million after Tax.\n\nAbout me - 40 years old - 3 kids (young), Retire in 3-5 years\n\nGoals - Live off dividends, so that if I die my wife does not have to sell stock, that money will just keep coming her way. Grow some of this so that my kids will have a good bump in life", "sort": "hot", "upvote_ratio": 0.57, "author": "Cheap-Assist-5337"}

selftext:
I look to unexpectedly come into some money soon and I am looking at potentially retiring early in the next 3-5 years now that this money is here. Main reason I wont retire now is I don't know what to do with myself...

Money - 6 Million after Tax.

About me - 40 years old - 3 kids (young), Retire in 3-5 years

Goals - Live off dividends, so that if I die my wife does not have to sell stock, that money will just keep coming her way. Grow some of this so that my kids will have a good bump in life


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397228+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
How does AI-generated music playlist technology work, and what are its potential applications and limitations?


topic_name: Bruce Springsteen - Streets Of Minneapolis (Official Lyric Video)
source: youtube
region: US
url: https://youtube.com/watch?v=GDaPdpwA4Iw
collected_at: 2026-02-12T00:04:30.653278
autocomplete: []
category: Music
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "GDaPdpwA4Iw", "channel": "Bruce Springsteen", "category": "Music", "category_id": 10, "views": "6135366", "view_count": 6135366, "likes": "372459", "published_at": "2026-01-29T17:19:08Z"}


topic_name: Rain Annihilation in Reign of the Warlock — Diablo II: Resurrected - Blizzard News
source: google_news
region: CA
collected_at: 2026-02-12T00:04:36.496998
autocomplete: []
category: Technology
reddit_subreddits: []
signal_type: news_context
url:

metadata:
{"published": "Wed, 11 Feb 2026 23:00:00 GMT", "source_publication": "Blizzard News", "category": "Technology"}


topic_name: CD vs Life Insurance vs Investment Property
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2b6kw/cd_vs_life_insurance_vs_investment_property/
collected_at: 2026-02-12T00:04:41.814916+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2b6kw", "score": 0, "num_comments": 23, "created_utc": 1770847506.0, "selftext": "I have some extra cash in the bank, should I purchase an investment property or CD? What are the pros and cons? Any other suggestions?\n\nEdit: Thank you for everyone who pointed out that life insurance should not be considered an investment. I removed that option. \n\nAny suggestions besides investment property or CD that is on the 'safer' inside?", "sort": "hot", "upvote_ratio": 0.5, "author": "Big-Brain-4763"}

selftext:
I have some extra cash in the bank, should I purchase an investment property or CD? What are the pros and cons? Any other suggestions?

Edit: Thank you for everyone who pointed out that life insurance should not be considered an investment. I removed that option. 

Any suggestions besides investment property or CD that is on the 'safer' inside?


topic_name: What should I do about my CC debt?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qqcank/what_should_i_do_about_my_cc_debt/
collected_at: 2026-02-12T00:04:45.418211+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qqcank", "score": 384, "num_comments": 281, "created_utc": 1769701991.0, "selftext": "Hello everyone, I am 22 (almost 23) and am in a bit of a predicament of my own doing. Since starting my job back in September, I have used all of my money on making my minimum car payment and insurance ($800 a month total) and on gambling. It is a really bad addiction that I have developed after winning $3000 back when I was job hunting and am desperately trying to get it under wraps. I have about $19 in my bank account at the moment, but I get paid later tonight. I make $3000 a month and get pa", "sort": "top", "upvote_ratio": 0.88, "author": "Graybill1"}

selftext:
Hello everyone, I am 22 (almost 23) and am in a bit of a predicament of my own doing. Since starting my job back in September, I have used all of my money on making my minimum car payment and insurance ($800 a month total) and on gambling. It is a really bad addiction that I have developed after winning $3000 back when I was job hunting and am desperately trying to get it under wraps. I have about $19 in my bank account at the moment, but I get paid later tonight. I make $3000 a month and get pa


topic_name: Do I actually need to haggle?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r0mdbh/do_i_actually_need_to_haggle/
collected_at: 2026-02-12T00:04:50.635739+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r0mdbh", "score": 16, "num_comments": 27, "created_utc": 1770684919.0, "selftext": "I keep hearing from people that it\u2019s expected for me to haggle at a used car dealership and it\u2019s idiotic for me to go in with one offer. \n\nPersonally I\u2019d rather do a bad deal and get what I want if it\u2019s the easier option. ", "sort": "hot", "upvote_ratio": 0.74, "author": "MR422"}

selftext:
I keep hearing from people that it’s expected for me to haggle at a used car dealership and it’s idiotic for me to go in with one offer. 

Personally I’d rather do a bad deal and get what I want if it’s the easier option. 


source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457504+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
[Los Angeles] Property Owner demands I relocate so he can move his nephew in. Says I WILL make move-out plans or my unit will be ‘withdrawn’ from the market.

url:
https://reddit.com/r/povertyfinance/comments/1r0rkf6/los_angeles_property_owner_demands_i_relocate_so/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0rkf6", "score": 301, "num_comments": 72, "created_utc": 1770699114.0, "selftext": "I\u2019m spiraling. My property owner wants to relocate his extended family member into my current apartment unit. I\u2019ve lived here for over a year, always make rent, and have very limited housing options.\n\nThe building I live in has other tenants who likely will stay on their leases. Our lease has no provision that permits the termination of a contract for family, so this is the owners rationale.\n\nHe pretty much said:\n\n*\u201cDon\u2019t try to get cute with your LA housing laws. Make it easier on the both of u", "sort": "hot", "upvote_ratio": 0.94, "author": "The_300_Muffins"}

selftext:
I’m spiraling. My property owner wants to relocate his extended family member into my current apartment unit. I’ve lived here for over a year, always make rent, and have very limited housing options.

The building I live in has other tenants who likely will stay on their leases. Our lease has no provision that permits the termination of a contract for family, so this is the owners rationale.

He pretty much said:

*“Don’t try to get cute with your LA housing laws. Make it easier on the both of u


topic_name: rent jumped $200 and my paycheck's the same. i feel like i'm just working to survive tbh
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489248+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qngdpa/rent_jumped_200_and_my_paychecks_the_same_i_feel/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qngdpa", "score": 1170, "num_comments": 93, "created_utc": 1769435053.0, "selftext": "ngl i used to kinda laugh at the 'two jobs to survive' memes but now i'm the meme. got a notice that my rent went up $200 next month and my boss denied the raise i asked for. so i'm still making the same while somehow having to stretch my paycheck even thinner. been cutting back on basically everything, no more dumb impulse orders, workouts are just bodyweight at home, even switched to instant ramen sometimes. feels like i'm just working 40+ hours a week to pay bills and sleep. that's it.\n\nhow a", "sort": "top", "upvote_ratio": 0.99, "author": "MichaelWForbes"}

selftext:
ngl i used to kinda laugh at the 'two jobs to survive' memes but now i'm the meme. got a notice that my rent went up $200 next month and my boss denied the raise i asked for. so i'm still making the same while somehow having to stretch my paycheck even thinner. been cutting back on basically everything, no more dumb impulse orders, workouts are just bodyweight at home, even switched to instant ramen sometimes. feels like i'm just working 40+ hours a week to pay bills and sleep. that's it.

how a


topic_name: [EU] How do you properly vet Instagram wholesalers before placing orders?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r21ch0/eu_how_do_you_properly_vet_instagram_wholesalers/
collected_at: 2026-02-12T00:05:08.886712+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r21ch0", "score": 0, "num_comments": 11, "created_utc": 1770825905.0, "selftext": "Hi everyone,\n\nI\u2019m looking into buying from Instagram wholesalers because they\u2019re the only ones consistently carrying the style and brands I\u2019m searching for (Southpole, FUBU, Ecko, Pelle Pelle, etc.).\n\nSince many of them operate mainly through Instagram, I\u2019d like to understand how to properly evaluate sellers before placing an order \u2014 especially if I plan on buying in bulk.\n\nFor those with experience:\n\n\\- What signs tell you a seller is reliable?\n\n\\- What questions do you usually ask before sendi", "sort": "hot", "upvote_ratio": 0.25, "author": "ExactBreath4848"}

selftext:
Hi everyone,

I’m looking into buying from Instagram wholesalers because they’re the only ones consistently carrying the style and brands I’m searching for (Southpole, FUBU, Ecko, Pelle Pelle, etc.).

Since many of them operate mainly through Instagram, I’d like to understand how to properly evaluate sellers before placing an order — especially if I plan on buying in bulk.

For those with experience:

\- What signs tell you a seller is reliable?

\- What questions do you usually ask before sendi


topic_name: Unskippable ads at volumes dangerous to hearing, and that's not the worst part.
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889790+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1q051g9/unskippable_ads_at_volumes_dangerous_to_hearing/

metadata:
{"subreddit": "assholedesign", "post_id": "1q051g9", "score": 861, "num_comments": 33, "created_utc": 1767159139.0, "selftext": "Microsoft Mahjong charges money to play in fullscreen mode and the ads take up more space than the game's tiles. Now both my eyes and ears hurt. ", "sort": "hot", "upvote_ratio": 0.96, "author": "iPutMilkNbowlB4Creal"}

selftext:
Microsoft Mahjong charges money to play in fullscreen mode and the ads take up more space than the game's tiles. Now both my eyes and ears hurt. 


topic_name: BAB Society + Enagic
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qyh1fc/bab_society_enagic/
collected_at: 2026-02-12T00:05:26.020511+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qyh1fc", "score": 7, "num_comments": 1, "created_utc": 1770479005.0, "selftext": "I\u2019ve had mutuals who have been apart of this BAB Society thing, which is just their name for the Enagic group. I was going through the IG and saw Love Island tagged? Are these girls on or have been on Love Island? I watch a lot of reality TV but never got into Love Island. I know realistically they can tag whoever in their posts but was wondering if they are leveraging their time on TV to recruit. \n\nEither way I\u2019m assuming these two are at the top of the pyramid when it comes to down lines then?", "sort": "hot", "upvote_ratio": 0.9, "author": "No_Economist2903"}

selftext:
I’ve had mutuals who have been apart of this BAB Society thing, which is just their name for the Enagic group. I was going through the IG and saw Love Island tagged? Are these girls on or have been on Love Island? I watch a lot of reality TV but never got into Love Island. I know realistically they can tag whoever in their posts but was wondering if they are leveraging their time on TV to recruit. 

Either way I’m assuming these two are at the top of the pyramid when it comes to down lines then?


topic_name: Question
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2dcwy/question/
collected_at: 2026-02-12T00:06:18.920882+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2dcwy", "score": 1, "num_comments": 0, "created_utc": 1770852658.0, "selftext": "If you have a civil injunction on someone and they text you from a text now app number but you have screenshots of previous messages between the number and another mutual person where they are responding to their name being said in the text is that enough proof for a violation of the civil injunction?  Location: Louisiana ", "sort": "hot", "upvote_ratio": 1.0, "author": "LavishnessOk1040"}

selftext:
If you have a civil injunction on someone and they text you from a text now app number but you have screenshots of previous messages between the number and another mutual person where they are responding to their name being said in the text is that enough proof for a violation of the civil injunction?  Location: Louisiana 


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qnyvt4/another_kangen_hun_is_using_political_events_to/
collected_at: 2026-02-12T00:05:30.135140+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
Another Kangen hun is using political events to push her master class. You shouldn’t protest, you should join her mlm.

metadata:
{"subreddit": "antiMLM", "post_id": "1qnyvt4", "score": 179, "num_comments": 54, "created_utc": 1769475152.0, "selftext": "", "sort": "top", "upvote_ratio": 0.99, "author": "Bubblysoda1"}


topic_name: How to ensure that we have co-pay waiver off in my parents health insurance policy
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1xogj/how_to_ensure_that_we_have_copay_waiver_off_in_my/
collected_at: 2026-02-12T00:05:44.256676+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1xogj", "score": 1, "num_comments": 3, "created_utc": 1770817278.0, "selftext": "Hi All,\n\nI bought health insurance policy for my parents **in India**, they are senior citizens. I just want to know that i have co-pay waiver off in the policy. So that i don't need to pay 20% during the bill payments.\n\ni have care advantage policy with add-on policy name \"**Care Shield**\" and some schedule of benefits are\n\nClaim shield\n\nNCB shield\n\nInflation shield\n\ncan't see such option which mentions like **co-pay in the policy**\n\n**Please suggest**\n\n", "sort": "hot", "upvote_ratio": 1.0, "author": "Aromatic-Midnight366"}

selftext:
Hi All,

I bought health insurance policy for my parents **in India**, they are senior citizens. I just want to know that i have co-pay waiver off in the policy. So that i don't need to pay 20% during the bill payments.

i have care advantage policy with add-on policy name "**Care Shield**" and some schedule of benefits are

Claim shield

NCB shield

Inflation shield

can't see such option which mentions like **co-pay in the policy**

**Please suggest**


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qgja3w/got_a_call_yesterday_from_someone_claiming_theyre/
collected_at: 2026-02-12T00:05:47.658384+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
Got a call yesterday from someone claiming they're a "case worker from the department of insurance" trying to sell me life insurance. I told her what shes doing is illegal, she hung up, then another guy called me and continued to claim affiliation with the DOI

metadata:
{"subreddit": "Insurance", "post_id": "1qgja3w", "score": 18, "num_comments": 10, "created_utc": 1768767826.0, "selftext": "Got a call, and she stated she's a case worker from the department of insuranc  and that my file came across her desk because it was incomplete. \n\nI asked her what she meant by saying shes \"from the department of insurance.\" she said she works for them. I asked her to confirm again, and she did. I asked her if she knew that shes committing a criminal offense by impersonating a government official, she then hung up. also worth noting that I use an AI call assistant to block spam calls. The call a", "sort": "top", "upvote_ratio": 0.89, "author": "OfferSuspicious9047"}

selftext:
Got a call, and she stated she's a case worker from the department of insuranc  and that my file came across her desk because it was incomplete. 

I asked her what she meant by saying shes "from the department of insurance." she said she works for them. I asked her to confirm again, and she did. I asked her if she knew that shes committing a criminal offense by impersonating a government official, she then hung up. also worth noting that I use an AI call assistant to block spam calls. The call a


source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1p44rbv/this_new_game_review_website_helps_people_find/
collected_at: 2026-02-12T00:05:53.366344+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
topic_name:
This new game review website helps people find games that don't use psychological tricks to manipulate them into becoming an addicted gamer.

metadata:
{"subreddit": "darkpatterns", "post_id": "1p44rbv", "score": 50, "num_comments": 4, "created_utc": 1763846956.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.97, "author": "mikelgan"}


topic_name: Impulse purchased pears - storage and ripening?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qz2zmc/impulse_purchased_pears_storage_and_ripening/
collected_at: 2026-02-12T00:06:01.656945+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qz2zmc", "score": 14, "num_comments": 11, "created_utc": 1770536981.0, "selftext": "Hi all, I'm normally a super strict shopper and dont buy off my list but this week fancied a little change.\n\nI'm not someone who usually eats much fruit so whilst these little pears seems lovley I've realised I dont actually know when theyre best to eat...\n\nDoes anyone know how to judge **when these pears are ripe** and how best to store them? The packaging says fridge but I prefer to precut my fruit and store in tubs ready to grab and go - is this possible without them turning brown?", "sort": "hot", "upvote_ratio": 0.64, "author": "Thalamic_Cub"}

selftext:
Hi all, I'm normally a super strict shopper and dont buy off my list but this week fancied a little change.

I'm not someone who usually eats much fruit so whilst these little pears seems lovley I've realised I dont actually know when theyre best to eat...

Does anyone know how to judge **when these pears are ripe** and how best to store them? The packaging says fridge but I prefer to precut my fruit and store in tubs ready to grab and go - is this possible without them turning brown?


topic_name: Cerave vs Winco facial cleanser? $13 vs $5
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qqzo7y/cerave_vs_winco_facial_cleanser_13_vs_5/
collected_at: 2026-02-12T00:06:05.044533+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qqzo7y", "score": 382, "num_comments": 80, "created_utc": 1769760960.0, "selftext": "I was at Winco the other day and needed some face wash but did not want to pay $13. Decided to compare the ingredients to the $5 store brand and they are surprisingly similar! The texture is identical to the Cerave version and the scent is very similar. Same feeling on my face after rinsing. Honestly makes me wonder if they have the same supplier. Also the directions are strikingly similar\u2026 ", "sort": "top", "upvote_ratio": 0.93, "author": "DELICIOUS_DANISH"}

selftext:
I was at Winco the other day and needed some face wash but did not want to pay $13. Decided to compare the ingredients to the $5 store brand and they are surprisingly similar! The texture is identical to the Cerave version and the scent is very similar. Same feeling on my face after rinsing. Honestly makes me wonder if they have the same supplier. Also the directions are strikingly similar… 


topic_name: Southwest Personal Cards with 1 year of companion pass
source: reddit
region: global
collected_at: 2026-02-12T00:06:10.587903+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1r26ywz/southwest_personal_cards_with_1_year_of_companion/

metadata:
{"subreddit": "CreditCards", "post_id": "1r26ywz", "score": 0, "num_comments": 2, "created_utc": 1770838042.0, "selftext": "Haven't yet seen a post on this, but the cards range from $100-$230 with $3000-$4000 MSR plus the companion pass.\n\nCompanion pass basically allows unlimited BOGO on flights you book. So really solid value especially if southwest services your local airport well.", "sort": "hot", "upvote_ratio": 0.5, "author": "UsedAsk3537"}

selftext:
Haven't yet seen a post on this, but the cards range from $100-$230 with $3000-$4000 MSR plus the companion pass.

Companion pass basically allows unlimited BOGO on flights you book. So really solid value especially if southwest services your local airport well.


topic_name: Parent signed me up for a Discover IT credit card at 18
source: reddit
region: global
collected_at: 2026-02-12T00:06:13.782103+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1qw4lri/parent_signed_me_up_for_a_discover_it_credit_card/

metadata:
{"subreddit": "CreditCards", "post_id": "1qw4lri", "score": 121, "num_comments": 74, "created_utc": 1770247495.0, "selftext": "Hey guys. I wanted to understand if this is normal.\n\nSo when I was 18 and started college, my mom signed me up for a Discover Credit card in my name. Like it was 100% mine. I wasn't an authorized user, it was 100% my line of credit.\n\nSince I was 18 my mom gave me the credit card and told me to ONLY use the card if she told me too, or if I asked for permission. My mom make payments on the card. She would Zelle me the money and make the payment out my bank account.\n\nShe said she did this to build ", "sort": "top", "upvote_ratio": 0.91, "author": "noah041504"}

selftext:
Hey guys. I wanted to understand if this is normal.

So when I was 18 and started college, my mom signed me up for a Discover Credit card in my name. Like it was 100% mine. I wasn't an authorized user, it was 100% my line of credit.

Since I was 18 my mom gave me the credit card and told me to ONLY use the card if she told me too, or if I asked for permission. My mom make payments on the card. She would Zelle me the money and make the payment out my bank account.

She said she did this to build 


topic_name: Employer is “interpreting” that i voluntarily resigned.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qm042h/employer_is_interpreting_that_i_voluntarily/
collected_at: 2026-02-12T00:06:22.356546+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qm042h", "score": 1104, "num_comments": 212, "created_utc": 1769291560.0, "selftext": "Location: Illinois.\n\nThe other day i got to work and after being there 20 minutes a coworker was slamming stuff and then got close to me and started yelling at me. She told ME \u201cto keep slamming things\u201d and asked if i \u201cwanted to slam her\u201d and to \u201cjust do it\u201d. I felt uncomfortable and unsafe. I think it was a pretty hostile environment and felt harassed so i clocked out and went to my car. I texted my manager and explained the whole situation and told her \u201ci cant work with that\u201d (should of worded ", "sort": "top", "upvote_ratio": 0.84, "author": "CourtNo123"}

selftext:
Location: Illinois.

The other day i got to work and after being there 20 minutes a coworker was slamming stuff and then got close to me and started yelling at me. She told ME “to keep slamming things” and asked if i “wanted to slam her” and to “just do it”. I felt uncomfortable and unsafe. I think it was a pretty hostile environment and felt harassed so i clocked out and went to my car. I texted my manager and explained the whole situation and told her “i cant work with that” (should of worded 


source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286068+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT - When someone tries to pull you into gossip at work, reply with one neutral line and a question that moves the topic back to facts.

url:
https://reddit.com/r/LifeProTips/comments/1qw4tal/lpt_when_someone_tries_to_pull_you_into_gossip_at/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qw4tal", "score": 1747, "num_comments": 126, "created_utc": 1770248009.0, "selftext": "Say: I was not in that conversation, so I cannot speak on it. What is the next step, and who owns it?\n\nThis keeps you out of office politics without sounding rude.\n\nIf that feels too direct, use one of these instead.\n\nOption 1: \n\nI do not know the full story. What is the next step? \n\nOption 2: \n\nI never noticed that about them. \n\nOption 3: \n\nSwitch to positive gossip. I have always liked working with them. They are reliable.", "sort": "hot", "upvote_ratio": 0.9, "author": "hjf25"}

selftext:
Say: I was not in that conversation, so I cannot speak on it. What is the next step, and who owns it?

This keeps you out of office politics without sounding rude.

If that feels too direct, use one of these instead.

Option 1: 

I do not know the full story. What is the next step? 

Option 2: 

I never noticed that about them. 

Option 3: 

Switch to positive gossip. I have always liked working with them. They are reliable.


