# trend_items

topic_name: Request for survey participants - research on relationships with material possessions
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0ku09/request_for_survey_participants_research_on/
collected_at: 2026-02-12T00:06:36.789791+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0ku09", "score": 3, "num_comments": 5, "created_utc": 1770680974.0, "selftext": "Hi everyone!\n\nI'm a long-time lurker here, and\u00a0I\u2019m conducting research on relationships with material possessions. I\u2019m a PhD candidate at the University of Amsterdam, and I\u2019m looking for survey participants. This survey takes less than 5 minutes to complete, and all responses are anonymous.\n\nAs a small thank you, participants can enter a raffle for a chance to win one of two \u20ac25 Mastercard gift cards.\n\n\u00a0You can take the survey here: [https://uva.fra1.qualtrics.com/jfe/form/SV\\_eJpNIjROMpZdmZM](h", "sort": "hot", "upvote_ratio": 0.59, "author": "smoothietown"}

selftext:
Hi everyone!

I'm a long-time lurker here, and I’m conducting research on relationships with material possessions. I’m a PhD candidate at the University of Amsterdam, and I’m looking for survey participants. This survey takes less than 5 minutes to complete, and all responses are anonymous.

As a small thank you, participants can enter a raffle for a chance to win one of two €25 Mastercard gift cards.

 You can take the survey here: [https://uva.fra1.qualtrics.com/jfe/form/SV\_eJpNIjROMpZdmZM](h


topic_name: My Waring Dial-A-Grind coffee grinder (1981) that I got on eBay for $35.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qtsu28/my_waring_dialagrind_coffee_grinder_1981_that_i/
collected_at: 2026-02-12T00:06:40.492419+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qtsu28", "score": 396, "num_comments": 89, "created_utc": 1770032641.0, "selftext": "I emailed Waring with the model number and they told me it's from 1981. Made in Japan. It was originally $30 ($107 in 2026) from the Jafco department store, a Seattle based department store that was open from 1957 to 1986. The grinder was in great condition and I love that the original owner kept the box. I've been using it every day for about a year. Excellent grinder. ", "sort": "top", "upvote_ratio": 0.92, "author": "islandofwaffles"}

selftext:
I emailed Waring with the model number and they told me it's from 1981. Made in Japan. It was originally $30 ($107 in 2026) from the Jafco department store, a Seattle based department store that was open from 1957 to 1986. The grinder was in great condition and I love that the original owner kept the box. I've been using it every day for about a year. Excellent grinder. 


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397298+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the key characteristics that define early plant-eating land animals, and how do scientists reconstruct their evolution?

metadata:
{"original_headline": "A football-size creature may have been among the earliest plant-eating land animals - CNN", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Her Favorite Player Gave Her Something She Deserved💖
source: youtube
region: US
url: https://youtube.com/watch?v=LTec9NuFKS4
collected_at: 2026-02-12T00:04:30.766166
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "LTec9NuFKS4", "channel": "Ablaze Motivation", "category": "Sports", "category_id": 17, "views": "4159863", "view_count": 4159863, "likes": "210756", "published_at": "2026-02-09T19:06:35Z"}


topic_name: Is a HELOC a good idea?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r25awm/is_a_heloc_a_good_idea/
collected_at: 2026-02-12T00:04:41.815026+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r25awm", "score": 0, "num_comments": 2, "created_utc": 1770834420.0, "selftext": "Hey y\u2019all! I\u2019m new at all this so please bare with me. I have about 15k in personal loan debt (thanks divorce) with APRs ranging from 14% to 22% (also have a vehicle loan that I owe 29k on with an 11% APR but I probably won\u2019t mess with that). I owe about 129k on my home and have estimated equity of about 131k. I currently have a 3.5% interest rate on my mortgage so I definitely don\u2019t want to mess that up. My credit score right now is around 671 (per Credit Karma). I\u2019d like to do something to pay", "sort": "hot", "upvote_ratio": 0.5, "author": "JJsMistress"}

selftext:
Hey y’all! I’m new at all this so please bare with me. I have about 15k in personal loan debt (thanks divorce) with APRs ranging from 14% to 22% (also have a vehicle loan that I owe 29k on with an 11% APR but I probably won’t mess with that). I owe about 129k on my home and have estimated equity of about 131k. I currently have a 3.5% interest rate on my mortgage so I definitely don’t want to mess that up. My credit score right now is around 671 (per Credit Karma). I’d like to do something to pay


topic_name: Is my low rent a set of golden handcuffs? Aka will it ever make financial sense to buy a home?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418305+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qi4vjn/is_my_low_rent_a_set_of_golden_handcuffs_aka_will/

metadata:
{"subreddit": "personalfinance", "post_id": "1qi4vjn", "score": 243, "num_comments": 228, "created_utc": 1768924633.0, "selftext": "I've been wracking my brain trying to figure out some way that buying a home would make financial sense. \n\nCurrent bills associated with renting:\n\n* Rent: $1100/mo\n* Insurance: $10/mo\n\nThe cheapest houses in my area, which I love and is where my job is, are $350k for fixer-uppers. Even at a well-below-market 3% rate, no downpayment (so I don't have to calculate comparitive ROI), and no PMI, that's still $1475/month on a 30 year loan. \n\nAdd in property taxes, home insurance, repairs, and addition", "sort": "top", "upvote_ratio": 0.87, "author": "SpecialPreference678"}

selftext:
I've been wracking my brain trying to figure out some way that buying a home would make financial sense. 

Current bills associated with renting:

* Rent: $1100/mo
* Insurance: $10/mo

The cheapest houses in my area, which I love and is where my job is, are $350k for fixer-uppers. Even at a well-below-market 3% rate, no downpayment (so I don't have to calculate comparitive ROI), and no PMI, that's still $1475/month on a 30 year loan. 

Add in property taxes, home insurance, repairs, and addition


topic_name: Buying out of state. Is it stupid in this instance?
source: reddit
region: global
collected_at: 2026-02-12T00:04:50.635846+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1r05r5e/buying_out_of_state_is_it_stupid_in_this_instance/

metadata:
{"subreddit": "askcarsales", "post_id": "1r05r5e", "score": 1, "num_comments": 6, "created_utc": 1770647610.0, "selftext": "I\u2019ve done a bit of research on this sub, everything says do not buy out of state, if you do: do not go to Florida the fees are wild, buy local to you, etc. i understand all of that, and that this is absolutely a higher risk move. \n\nWith that said: I\u2019m shopping for a used white 15-19 Escalade platinum. There are not a ton of these for sale \\*in this trim\\* in general, so traveling for one is  the only option. \n\nFlorida does have the lowest listed prices online, and a couple of options within a fe", "sort": "hot", "upvote_ratio": 0.67, "author": "coastalneer"}

selftext:
I’ve done a bit of research on this sub, everything says do not buy out of state, if you do: do not go to Florida the fees are wild, buy local to you, etc. i understand all of that, and that this is absolutely a higher risk move. 

With that said: I’m shopping for a used white 15-19 Escalade platinum. There are not a ton of these for sale \*in this trim\* in general, so traveling for one is  the only option. 

Florida does have the lowest listed prices online, and a couple of options within a fe


topic_name: Bought a car 2 days ago for it to blow up today.
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qx0w9j/bought_a_car_2_days_ago_for_it_to_blow_up_today/
collected_at: 2026-02-12T00:04:53.860432+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qx0w9j", "score": 11, "num_comments": 83, "created_utc": 1770333123.0, "selftext": "Hello everyone.\n\nI was in an accident in December resulting in my 2012 Jeep Compass being totalled. After some extensive searching, I bought a 2021 Jeep Compass Limited on Monday. I was so happy, it was right in my price range, is four wheel drive and only has 60K miles on it.\n\nI bought it used from a dealership that is pretty reputable in my area (southern Indiana/Kentucky). The car was driving just fine, heat was working great and all. Until this morning when I went to start it and I noticed t", "sort": "top", "upvote_ratio": 0.59, "author": "spicypossum99"}

selftext:
Hello everyone.

I was in an accident in December resulting in my 2012 Jeep Compass being totalled. After some extensive searching, I bought a 2021 Jeep Compass Limited on Monday. I was so happy, it was right in my price range, is four wheel drive and only has 60K miles on it.

I bought it used from a dealership that is pretty reputable in my area (southern Indiana/Kentucky). The car was driving just fine, heat was working great and all. Until this morning when I went to start it and I noticed t


topic_name: Almost 2 years
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1ex5h/almost_2_years/
collected_at: 2026-02-12T00:04:59.457617+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1ex5h", "score": 0, "num_comments": 3, "created_utc": 1770761459.0, "selftext": "As the title says, it almost 2 years and i still have untreated decayed teeth, two of them, everytime i tell my parents dad just keeps buying pills to \"cure\" my teeth, mom does the same she tells dad to bring pills or search in his drawer to get som, dad even bought anesthesia, and told me to dip cotton in it and put it on the teeth and the pain will go, i once went with mother to a local Health center and the doctor told me that she can't fill the tooth and it's still good and no need to extrac", "sort": "hot", "upvote_ratio": 0.5, "author": "ObviousHouse1430"}

selftext:
As the title says, it almost 2 years and i still have untreated decayed teeth, two of them, everytime i tell my parents dad just keeps buying pills to "cure" my teeth, mom does the same she tells dad to bring pills or search in his drawer to get som, dad even bought anesthesia, and told me to dip cotton in it and put it on the teeth and the pain will go, i once went with mother to a local Health center and the doctor told me that she can't fill the tooth and it's still good and no need to extrac


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489338+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
Got a decently big settlement check from one of those random class action lawsuits you get in the mail!

url:
https://reddit.com/r/povertyfinance/comments/1qws3sk/got_a_decently_big_settlement_check_from_one_of/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qws3sk", "score": 690, "num_comments": 56, "created_utc": 1770313668.0, "selftext": "I finally got a check for some settlement that I got a letter in the mail like, last march for a lawsuit settlement that a major employer agreed to pay out.\n\nthey were promising I could get up to $1300 and some change if I filled a form out online and printed + mailed it. I ended up getting a $1550 check! the tax was already withheld on the tax form included, so it\u2019s all mine!\n\nit was a settlement for wages not being disclosed on a job listing made in 2023. this was apparently when my state enac", "sort": "top", "upvote_ratio": 0.97, "author": "AdNo4966"}

selftext:
I finally got a check for some settlement that I got a letter in the mail like, last march for a lawsuit settlement that a major employer agreed to pay out.

they were promising I could get up to $1300 and some change if I filled a form out online and printed + mailed it. I ended up getting a $1550 check! the tax was already withheld on the tax form included, so it’s all mine!

it was a settlement for wages not being disclosed on a job listing made in 2023. this was apparently when my state enac


source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0itvp/us_selling_a_vehicle_spent_two_days_talking_to/
collected_at: 2026-02-12T00:05:08.886821+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
topic_name:
[US] Selling a vehicle. Spent two days talking to this guy about said vehicle until we agreed on a price... however

metadata:
{"subreddit": "Scams", "post_id": "1r0itvp", "score": 38, "num_comments": 55, "created_utc": 1770676210.0, "selftext": "He said he was going to send one of his employees out with a cashiers check. He said they'd meet me at the bank but the issuer of the check was not going to be there because he had some excuse. Beforehand I told him I am only comfortable doing that if he was present or could send his employee with cash. It was going to be a vehicle for one of his employees to replace their current truck since mine is much bigger.\n\nGuy's FB profile is 16 years old, he has an LLC for his business with a couple (no", "sort": "hot", "upvote_ratio": 0.81, "author": "ThatGuyFrom720"}

selftext:
He said he was going to send one of his employees out with a cashiers check. He said they'd meet me at the bank but the issuer of the check was not going to be there because he had some excuse. Beforehand I told him I am only comfortable doing that if he was present or could send his employee with cash. It was going to be a vehicle for one of his employees to replace their current truck since mine is much bigger.

Guy's FB profile is 16 years old, he has an LLC for his business with a couple (no


topic_name: My mother in law thinks she has contact with the prince of Dubai
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qj3f8t/my_mother_in_law_thinks_she_has_contact_with_the/
collected_at: 2026-02-12T00:05:12.358993+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qj3f8t", "score": 67, "num_comments": 54, "created_utc": 1769014781.0, "selftext": "My mother-in-law genuinely believes she has been in personal contact with the \u201creal\u201d Prince of Dubai for almost 10 years.\n\nAccording to her, he contacted her first on social media and they have been communicating ever since. Over the years she has shared very personal details with him: who she is, her family situation, problems in her marriage, details about her children and grandchildren.\n\nOver time, he has also started referring to her children and grandchildren as his own family. He tells her", "sort": "top", "upvote_ratio": 0.91, "author": "ZakjeChipz9150"}

selftext:
My mother-in-law genuinely believes she has been in personal contact with the “real” Prince of Dubai for almost 10 years.

According to her, he contacted her first on social media and they have been communicating ever since. Over the years she has shared very personal details with him: who she is, her family situation, problems in her marriage, details about her children and grandchildren.

Over time, he has also started referring to her children and grandchildren as his own family. He tells her


topic_name: My car is getting advertisements now?
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1p1ayrr/my_car_is_getting_advertisements_now/
collected_at: 2026-02-12T00:05:17.889889+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1p1ayrr", "score": 10628, "num_comments": 554, "created_utc": 1763566806.0, "selftext": "I just started my car and this pops up. It's a 2022 Jeep Grand Cherokee. Never buying a newer car again because of garbage like this!", "sort": "hot", "upvote_ratio": 0.98, "author": "Acceptable_Let_215"}

selftext:
I just started my car and this pops up. It's a 2022 Jeep Grand Cherokee. Never buying a newer car again because of garbage like this!


topic_name: Life Wave
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qvctis/life_wave/
collected_at: 2026-02-12T00:05:26.020608+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qvctis", "score": 45, "num_comments": 16, "created_utc": 1770173881.0, "selftext": "Just came across this one as I have an acquintance who is chronically addicted to MLM's.  What a dumpster fire of pseudo science garbage.  \n\nThis is what you get for not paying attention in biology or any basic science class in middle school. You fall for bs garbage like the Alavida patch that \"lengthens telomeres in the DNA\" and \"activates epithalon peptides.\"  WTF this one is so stupid it hurts my brain", "sort": "hot", "upvote_ratio": 0.98, "author": "punkasstubabitch"}

selftext:
Just came across this one as I have an acquintance who is chronically addicted to MLM's.  What a dumpster fire of pseudo science garbage.  

This is what you get for not paying attention in biology or any basic science class in middle school. You fall for bs garbage like the Alavida patch that "lengthens telomeres in the DNA" and "activates epithalon peptides."  WTF this one is so stupid it hurts my brain


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qnydnr/it_works_is_no_more_and_the_bravenly_huns_are/
collected_at: 2026-02-12T00:05:30.135196+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
It Works is no more, and the Bravenly huns are wasting no time in trying to recruit those newly ‘lost huns.’

metadata:
{"subreddit": "antiMLM", "post_id": "1qnydnr", "score": 109, "num_comments": 39, "created_utc": 1769473893.0, "selftext": "", "sort": "top", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1ey2j/were_waiting_on_an_estimate_from_your_repair_shop/
collected_at: 2026-02-12T00:05:44.256778+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
"We’re waiting on an estimate from your repair shop. Call them for more details." - Anyone see this for over a week?

metadata:
{"subreddit": "Insurance", "post_id": "1r1ey2j", "score": 2, "num_comments": 5, "created_utc": 1770761516.0, "selftext": "Just curious, folks w/ statefarm or similar companies that have online portals to track the claim. \n\nHas anyone seen this status for over a week for small to moderate damage? \n\nWe\u2019re waiting on an estimate from your repair shop. Call them for more details.\n\nWill call tomorrow to check w/ both insurance + shop. I've talked to insurance and they said they'd check into it, but status hasn't changed. \n\nJust curious if this is semi common? I feel like a week may have been wasted.", "sort": "hot", "upvote_ratio": 1.0, "author": "twinturboboost"}

selftext:
Just curious, folks w/ statefarm or similar companies that have online portals to track the claim. 

Has anyone seen this status for over a week for small to moderate damage? 

We’re waiting on an estimate from your repair shop. Call them for more details.

Will call tomorrow to check w/ both insurance + shop. I've talked to insurance and they said they'd check into it, but status hasn't changed. 

Just curious if this is semi common? I feel like a week may have been wasted.


topic_name: Can someone explain flood insurance to me like I'm 5?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qq8x6o/can_someone_explain_flood_insurance_to_me_like_im/
collected_at: 2026-02-12T00:05:47.658472+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qq8x6o", "score": 10, "num_comments": 53, "created_utc": 1769694247.0, "selftext": "Ok so I understand the general idea of flood insurance but what scenario would I need it and my regular homeowners policy wouldn't cover it? \n\nMy house is paid off so no mortgage company requirement. It's about $1k per year for a maximum of 250k coverage. Seems really high to me and I know some of this is regulated by FEMA", "sort": "top", "upvote_ratio": 0.86, "author": "RobbyDGreat"}

selftext:
Ok so I understand the general idea of flood insurance but what scenario would I need it and my regular homeowners policy wouldn't cover it? 

My house is paid off so no mortgage company requirement. It's about $1k per year for a maximum of 250k coverage. Seems really high to me and I know some of this is regulated by FEMA


topic_name: What are some dark patterns showing up in AI/LLMs at this point?
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366438+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1m1l8v2/what_are_some_dark_patterns_showing_up_in_aillms/

metadata:
{"subreddit": "darkpatterns", "post_id": "1m1l8v2", "score": 67, "num_comments": 10, "created_utc": 1752692287.0, "selftext": "I've been thinking about the [enshittification](https://thecognitivepsychologist.substack.com/p/enshittification-what-is-it-and-why-is-it-coming-for-artificial-intelligence) that's inevitably coming for AI and what it will look like. Is it going to be embedded ads? Preferential linking? Or maybe explaining a topic the way the highest-bidder source wants it explained? \n\nWill AI move to an engagement-based design like social media has? \n\nWhat dark patterns have you started noticing or been worryin", "sort": "hot", "upvote_ratio": 0.99, "author": "notthatkindadoctor"}

selftext:
I've been thinking about the [enshittification](https://thecognitivepsychologist.substack.com/p/enshittification-what-is-it-and-why-is-it-coming-for-artificial-intelligence) that's inevitably coming for AI and what it will look like. Is it going to be embedded ads? Preferential linking? Or maybe explaining a topic the way the highest-bidder source wants it explained? 

Will AI move to an engagement-based design like social media has? 

What dark patterns have you started noticing or been worryin


topic_name: Do you think these be ok to drink few month's expired.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qy3713/do_you_think_these_be_ok_to_drink_few_months/
collected_at: 2026-02-12T00:06:01.657043+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qy3713", "score": 0, "num_comments": 47, "created_utc": 1770435657.0, "selftext": "They are a mix of aug-sep-nov expired think they are ok to drink,They are all unopened.im not sure how long something like this is ok after the printed date.they would all be free for me to take so any information would be helpful.there are also a few from January I assume they would be fine to drink. Looking at the bottoms of them they don't look chunky or anything but im not sure because how old they are.", "sort": "hot", "upvote_ratio": 0.43, "author": "Starsidenews"}

selftext:
They are a mix of aug-sep-nov expired think they are ok to drink,They are all unopened.im not sure how long something like this is ok after the printed date.they would all be free for me to take so any information would be helpful.there are also a few from January I assume they would be fine to drink. Looking at the bottoms of them they don't look chunky or anything but im not sure because how old they are.


topic_name: Frugal question: when does paying more upfront actually save money?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qft4gc/frugal_question_when_does_paying_more_upfront/
collected_at: 2026-02-12T00:06:05.044619+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qft4gc", "score": 253, "num_comments": 359, "created_utc": 1768694631.0, "selftext": "I\u2019m pretty frugal in most areas of my life, but I\u2019ve been rethinking one category lately: things you use every single day.\n\nI used to buy cheap pillows and replace them every year or so when they went flat or lumpy. They were usually around $20\u201330, so it never felt like a big deal, but over a few years that adds up.\n\nRecently I got a pillow from Kozi (gift, not something I would\u2019ve bought for myself tbh). It cost more upfront than what I\u2019d normally spend, which made me uncomfortable at first. Bu", "sort": "top", "upvote_ratio": 0.87, "author": "After-Beginning6025"}

selftext:
I’m pretty frugal in most areas of my life, but I’ve been rethinking one category lately: things you use every single day.

I used to buy cheap pillows and replace them every year or so when they went flat or lumpy. They were usually around $20–30, so it never felt like a big deal, but over a few years that adds up.

Recently I got a pillow from Kozi (gift, not something I would’ve bought for myself tbh). It cost more upfront than what I’d normally spend, which made me uncomfortable at first. Bu


topic_name: My Personal Ultimate Credit Card Combo
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1mdrg/my_personal_ultimate_credit_card_combo/
collected_at: 2026-02-12T00:06:10.588005+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1mdrg", "score": 7, "num_comments": 24, "created_utc": 1770780536.0, "selftext": "**Daily Driver (Property taxes, auto/home insurance)**\n\n\\- BOA Premium Rewards 2.6% (w/ platinum honors)\n\n**Dining/Restaurants**\n\n\\- Citi Custom Cash 5%\n\n\\- Chase Freedom (during cash back months) 5%\n\n\\- Discover (during cash back months) 5%\n\n**Grocery**\n\n\\- Citi Custom Cash 5% (p2's card)\n\n**Gas**\n\n\\- Costco Citi 5% (4% non-Costco stations)\n\n**Utilities**\n\n\\- US Bank Cash+ 5% (phone, home internet)\n\n**Travel**\n\n\\- Capital One VentureX ($300 credit first)\n\n\\- Chase Sapphire Preferred (1.25x poin", "sort": "hot", "upvote_ratio": 0.71, "author": "vibengineer"}

selftext:
**Daily Driver (Property taxes, auto/home insurance)**

\- BOA Premium Rewards 2.6% (w/ platinum honors)

**Dining/Restaurants**

\- Citi Custom Cash 5%

\- Chase Freedom (during cash back months) 5%

\- Discover (during cash back months) 5%

**Grocery**

\- Citi Custom Cash 5% (p2's card)

**Gas**

\- Costco Citi 5% (4% non-Costco stations)

**Utilities**

\- US Bank Cash+ 5% (phone, home internet)

**Travel**

\- Capital One VentureX ($300 credit first)

\- Chase Sapphire Preferred (1.25x poin


topic_name: Is there anything better thank CSP?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qsoaib/is_there_anything_better_thank_csp/
collected_at: 2026-02-12T00:06:13.782194+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qsoaib", "score": 79, "num_comments": 87, "created_utc": 1769919439.0, "selftext": "Have had CSP for about 2 years now. $10 DoorDash Credit a month &amp; $50 credit on hotels. 3X on dining for a $95 annual fee. I can\u2019t seem to find another card that can beat this. Also has great transfer partners. Family of 4. About $75k annual income. Most spending is Dining, Groceries and clothes. Only if I could get 3X on groceries on this card! Anything that can beat this with about the same annual fee?", "sort": "top", "upvote_ratio": 0.8, "author": "Jonnyboy255"}

selftext:
Have had CSP for about 2 years now. $10 DoorDash Credit a month &amp; $50 credit on hotels. 3X on dining for a $95 annual fee. I can’t seem to find another card that can beat this. Also has great transfer partners. Family of 4. About $75k annual income. Most spending is Dining, Groceries and clothes. Only if I could get 3X on groceries on this card! Anything that can beat this with about the same annual fee?


topic_name: New Mexico - Home has crack in slab, was not disclosed
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2a5gz/new_mexico_home_has_crack_in_slab_was_not/
collected_at: 2026-02-12T00:06:18.920984+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2a5gz", "score": 0, "num_comments": 0, "created_utc": 1770845155.0, "selftext": "We bought our home in March, 2023, and it was not disclosed to us there was an active class action lawsuit against the builder, and that our home had been assessed for a crack in the cement slab foundation. It basically goes all the way across the center of our slab.\n\nWe noticed it when replacing the carpet in a downstairs bedroom. The previous owners had some kind of webbing material put over it, I assume to slow the movement.\n\nNow there's significant cracking occurring in the tile in a walkway", "sort": "hot", "upvote_ratio": 0.5, "author": "ancientastronaut2"}

selftext:
We bought our home in March, 2023, and it was not disclosed to us there was an active class action lawsuit against the builder, and that our home had been assessed for a crack in the cement slab foundation. It basically goes all the way across the center of our slab.

We noticed it when replacing the carpet in a downstairs bedroom. The previous owners had some kind of webbing material put over it, I assume to slow the movement.

Now there's significant cracking occurring in the tile in a walkway


topic_name: I am legally two separate people, how do I fix it?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qnhwoq/i_am_legally_two_separate_people_how_do_i_fix_it/
collected_at: 2026-02-12T00:06:22.356656+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qnhwoq", "score": 645, "num_comments": 48, "created_utc": 1769438679.0, "selftext": "Location: New Jersey \n\nWhen my parents filled out my official documents when I was born the early nineties, they messed up and I was given two different middle names. My birth certificate has one middle name/initial, while my social security card has a different middle name/initial. My drivers license follows my birth certificate, while my school documents (including my college diplomas) follow my social security card.\n\nI don\u2019t know how this wasn\u2019t caught earlier through my schooling or when I w", "sort": "top", "upvote_ratio": 0.97, "author": "Many_Potential601"}

selftext:
Location: New Jersey 

When my parents filled out my official documents when I was born the early nineties, they messed up and I was given two different middle names. My birth certificate has one middle name/initial, while my social security card has a different middle name/initial. My drivers license follows my birth certificate, while my school documents (including my college diplomas) follow my social security card.

I don’t know how this wasn’t caught earlier through my schooling or when I w


topic_name: LPT - wear out a cat with a ceiling fan and tobacco papers
source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286171+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qri9mu/lpt_wear_out_a_cat_with_a_ceiling_fan_and_tobacco/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qri9mu", "score": 64, "num_comments": 25, "created_utc": 1769807702.0, "selftext": "if you have cats and a ceiling fan and they are full of energy.. get some tobacco papers and throw them into the air to get caught by the up draught, lends to so much fun for cat mum or cat dad and a quickly worn out fur baby as they chase the papers floating around the room especially if you catch it just right", "sort": "hot", "upvote_ratio": 0.72, "author": "Raven_Shadow82"}

selftext:
if you have cats and a ceiling fan and they are full of energy.. get some tobacco papers and throw them into the air to get caught by the up draught, lends to so much fun for cat mum or cat dad and a quickly worn out fur baby as they chase the papers floating around the room especially if you catch it just right


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qf55ku/lpt_if_a_task_feels_overwhelming_youre_probably/
collected_at: 2026-02-12T00:06:31.302188+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If a task feels overwhelming, you’re probably trying to decide and execute at the same time. Separate those steps.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qf55ku", "score": 1342, "num_comments": 22, "created_utc": 1768629035.0, "selftext": "Deciding what to do consumes far more mental energy than doing it. Make decisions first, then execute without revisiting them.", "sort": "top", "upvote_ratio": 0.98, "author": "vishesh_07_028"}

selftext:
Deciding what to do consumes far more mental energy than doing it. Make decisions first, then execute without revisiting them.


topic_name: Circa 2006 cordless Electric DeWalt drill.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qzpicg/circa_2006_cordless_electric_dewalt_drill/
collected_at: 2026-02-12T00:06:36.789794+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzpicg", "score": 220, "num_comments": 57, "created_utc": 1770596559.0, "selftext": "I used to work for a shop that had a 10 year retirement policy for all their hand held electric tools. In 2016 they retired this drill and I took it home. Daily use until then and then it became my at home, weekend tool until just this week. Around 20 years is not bad. ", "sort": "hot", "upvote_ratio": 0.92, "author": "EmuPuzzleheaded9896"}

selftext:
I used to work for a shop that had a 10 year retirement policy for all their hand held electric tools. In 2016 they retired this drill and I took it home. Daily use until then and then it became my at home, weekend tool until just this week. Around 20 years is not bad. 


topic_name: Flip the script - what shouldn’t be bought for life?
source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492424+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1qtjtc3/flip_the_script_what_shouldnt_be_bought_for_life/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qtjtc3", "score": 362, "num_comments": 618, "created_utc": 1770002570.0, "selftext": "While we all can agree quality, enduring purchases are inherently worthwhile, what is your go-to list of items that should be routinely replaced or upgraded? Maybe something that people might overlook and neglect to upgrade overtime but then be pleasantly surprised when they do? For me, I would start with running shoes - it not only feels better, but it\u2019s safer medically for injury prevention and improves your performance as well. ", "sort": "top", "upvote_ratio": 0.87, "author": "MIROXXVIS"}

selftext:
While we all can agree quality, enduring purchases are inherently worthwhile, what is your go-to list of items that should be routinely replaced or upgraded? Maybe something that people might overlook and neglect to upgrade overtime but then be pleasantly surprised when they do? For me, I would start with running shoes - it not only feels better, but it’s safer medically for injury prevention and improves your performance as well. 


topic_name: Pulled the trigger! (Plus, crowdsourcing asset allocation thoughts)
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000149+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qj1ctk/pulled_the_trigger_plus_crowdsourcing_asset/

metadata:
{"subreddit": "financialindependence", "post_id": "1qj1ctk", "score": 70, "num_comments": 33, "created_utc": 1769010322.0, "selftext": "Just before our 40th birthdays, my wife and I have hit our target, and we officially gave notice to our jobs of our intent to retire at the end of May! Between this subreddit, JL Collins, and the ChooseFI podcast, a wish that seemed unlikely 12 years ago is now a reality, and 2 years sooner than our original plan we scoped out 8 years ago.\n\nWe're planning to move to France this summer, and I feel pretty confident in our annual expense budget of \\~100K (unless the USD/EUR goes to complete shit). ", "sort": "hot", "upvote_ratio": 0.9, "author": "SenorPlaidPants"}

selftext:
Just before our 40th birthdays, my wife and I have hit our target, and we officially gave notice to our jobs of our intent to retire at the end of May! Between this subreddit, JL Collins, and the ChooseFI podcast, a wish that seemed unlikely 12 years ago is now a reality, and 2 years sooner than our original plan we scoped out 8 years ago.

We're planning to move to France this summer, and I feel pretty confident in our annual expense budget of \~100K (unless the USD/EUR goes to complete shit). 


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397302+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the current theories on the formation of gas giant exoplanets, and how does the James Webb Space Telescope contribute to our understanding of this process?

metadata:
{"original_headline": "How are gas giant exoplanets born? James Webb Space Telescope provides new clues - Space", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: MCU’s FIRST On-Screen F-Bomb 😳 (Guardians of the Galaxy Vol. 3)
source: youtube
region: US
url: https://youtube.com/watch?v=z3w-IyU1r38
collected_at: 2026-02-12T00:04:30.534702
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "z3w-IyU1r38", "channel": "Heartsnreels", "category": "Entertainment", "category_id": 24, "views": "4156432", "view_count": 4156432, "likes": "252369", "published_at": "2026-02-07T14:02:30Z"}


topic_name: Should I be concerned about my financial advising team?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815030+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r1pvr1/should_i_be_concerned_about_my_financial_advising/

metadata:
{"subreddit": "personalfinance", "post_id": "1r1pvr1", "score": 10, "num_comments": 32, "created_utc": 1770791231.0, "selftext": "Long story short, I was introduced to a financial advising team in medical school and ended up buying disability and life insurance and having them manage my investment and retirement accounts. I'm working towards financial literacy/independence and would appreciate thoughts on whether my advisors are guiding me appropriately.\n\n**About me:** 29, female, married, homeowner, fortunate to have no debt/loans/mortgage, not planning to have kids but would like to support my parents, making \\~150k as a", "sort": "hot", "upvote_ratio": 0.68, "author": "Parking-Rutabaga9340"}

selftext:
Long story short, I was introduced to a financial advising team in medical school and ended up buying disability and life insurance and having them manage my investment and retirement accounts. I'm working towards financial literacy/independence and would appreciate thoughts on whether my advisors are guiding me appropriately.

**About me:** 29, female, married, homeowner, fortunate to have no debt/loans/mortgage, not planning to have kids but would like to support my parents, making \~150k as a


topic_name: Credit card rewards for upcoming $30k purchase
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418309+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qd4asf/credit_card_rewards_for_upcoming_30k_purchase/

metadata:
{"subreddit": "personalfinance", "post_id": "1qd4asf", "score": 239, "num_comments": 87, "created_utc": 1768436300.0, "selftext": "I have a $30k purchase coming up (IVF). I have the cash but they allow for payment with credit card with no processing fee. What credit cards offer sign up bonuses or cash back that I should consider?\n\nI currently have Capital One Quicksilver (1.5% cash back on everything) and Chase Amazon Prime (1% on everything). \n\nI see that Fidelity has one that is 2% back on everything and $150 sign up bonus. Anything better?\n\nI prefer no annual fee and since we are expecting to have a baby and don\u2019t expect", "sort": "top", "upvote_ratio": 0.88, "author": "13meb"}

selftext:
I have a $30k purchase coming up (IVF). I have the cash but they allow for payment with credit card with no processing fee. What credit cards offer sign up bonuses or cash back that I should consider?

I currently have Capital One Quicksilver (1.5% cash back on everything) and Chase Amazon Prime (1% on everything). 

I see that Fidelity has one that is 2% back on everything and $150 sign up bonus. Anything better?

I prefer no annual fee and since we are expecting to have a baby and don’t expect


topic_name: Carfax showing cylinder head serviced/repaired
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r049nx/carfax_showing_cylinder_head_servicedrepaired/
collected_at: 2026-02-12T00:04:50.635850+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r049nx", "score": 1, "num_comments": 5, "created_utc": 1770643870.0, "selftext": "Looking at a Honda Odyssey and this showed up on the carfax. Is this a red flag?\n\nhttps://www.carfax.com/vehiclehistory/ar20/jegbjLClU4UQylrOpAFANJkk0b8xfiVtlBH9aJeVIMa9ebOjS049D97g4PnRNeHwzEr3DozetpYhW0w5suhxl4z84GGk\\_i0r2cM?\\_cl=Gc54biQpbGAxaPSx8hAduX5g", "sort": "hot", "upvote_ratio": 0.67, "author": "AlarmEmbarrassed6913"}

selftext:
Looking at a Honda Odyssey and this showed up on the carfax. Is this a red flag?

https://www.carfax.com/vehiclehistory/ar20/jegbjLClU4UQylrOpAFANJkk0b8xfiVtlBH9aJeVIMa9ebOjS049D97g4PnRNeHwzEr3DozetpYhW0w5suhxl4z84GGk\_i0r2cM?\_cl=Gc54biQpbGAxaPSx8hAduX5g


topic_name: I’m having issues collecting my pay
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qqooie/im_having_issues_collecting_my_pay/
collected_at: 2026-02-12T00:04:53.860436+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qqooie", "score": 12, "num_comments": 16, "created_utc": 1769729171.0, "selftext": "The company I work for doesn\u2019t want to pay me money I am owed from last year. I get a monthly draw and based on the performance of the company each individual month, I am due commission based on a sliding scale. If the company doesn\u2019t surpass a certain minimum gross profit, I get no commission. For the months we pass that threshold, those commissions then get paid at the end of the year.\n\nWhen I asked for my check, I was informed that the company performed poorly 60-70 percent of the year and it", "sort": "top", "upvote_ratio": 0.84, "author": "Quirky-Ad-5158"}

selftext:
The company I work for doesn’t want to pay me money I am owed from last year. I get a monthly draw and based on the performance of the company each individual month, I am due commission based on a sliding scale. If the company doesn’t surpass a certain minimum gross profit, I get no commission. For the months we pass that threshold, those commissions then get paid at the end of the year.

When I asked for my check, I was informed that the company performed poorly 60-70 percent of the year and it


topic_name: Struggling with bills looking for a ways to make extra money
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457621+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r1ep94/struggling_with_bills_looking_for_a_ways_to_make/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1ep94", "score": 0, "num_comments": 4, "created_utc": 1770760959.0, "selftext": "I'm really stressed right now. I'm really struggling to make ends meet and rent is due very soon. I've cut back on everything l can, but I'm  short and feeling the pressure of the deadline coming up", "sort": "hot", "upvote_ratio": 0.5, "author": "Choice_Sun_1880"}

selftext:
I'm really stressed right now. I'm really struggling to make ends meet and rent is due very soon. I've cut back on everything l can, but I'm  short and feeling the pressure of the deadline coming up


topic_name: I couldn't afford to pay for insurance anymore... then I slipped on ice and fell at work
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qtapxx/i_couldnt_afford_to_pay_for_insurance_anymore/
collected_at: 2026-02-12T00:05:03.489341+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qtapxx", "score": 675, "num_comments": 61, "created_utc": 1769979837.0, "selftext": "I'm at a loss what to do, last year I had to stop paying for insurance because of the increases and I couldn't afford to pay $200-300 out of each check, after my mom died I became the only income and I've been drowning in bills. After the winter storm happened, last week I slipped on ice that my job didn't clear before making us all come back to work and serve outside to customers. It was a bad fall, but I didn't go home, they let me sit for 30 minutes and gave me Neosporin, ice and bandages, af", "sort": "top", "upvote_ratio": 0.98, "author": "chersawyer"}

selftext:
I'm at a loss what to do, last year I had to stop paying for insurance because of the increases and I couldn't afford to pay $200-300 out of each check, after my mom died I became the only income and I've been drowning in bills. After the winter storm happened, last week I slipped on ice that my job didn't clear before making us all come back to work and serve outside to customers. It was a bad fall, but I didn't go home, they let me sit for 30 minutes and gave me Neosporin, ice and bandages, af


topic_name: [US] Recovery Scammer Contacting Partner After Cut Off
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r11kbg/us_recovery_scammer_contacting_partner_after_cut/
collected_at: 2026-02-12T00:05:08.886824+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r11kbg", "score": 2, "num_comments": 4, "created_utc": 1770732164.0, "selftext": "So, This morning my wife got a text from a scammer we'd already cut all communication from after about couple of months, and now she's worried, so i wanted to ask just so i can put her mind at ease\n\n\\- Why would they contact her? Or rather, *how* are they contacting her and would she have to change her number? \n\n\\- Would they be able to get The number of our kids or relatives? She's worried about extortion if that happens?\n\n  \nThanks for reading and replying, It just has her spooked and we wante", "sort": "hot", "upvote_ratio": 1.0, "author": "Grabbermaber5500"}

selftext:
So, This morning my wife got a text from a scammer we'd already cut all communication from after about couple of months, and now she's worried, so i wanted to ask just so i can put her mind at ease

\- Why would they contact her? Or rather, *how* are they contacting her and would she have to change her number? 

\- Would they be able to get The number of our kids or relatives? She's worried about extortion if that happens?

  
Thanks for reading and replying, It just has her spooked and we wante


topic_name: LinkedIn jobs market turns into huge scam and information theft. BE AWARE!!!
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qcw17b/linkedin_jobs_market_turns_into_huge_scam_and/
collected_at: 2026-02-12T00:05:12.358996+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qcw17b", "score": 72, "num_comments": 21, "created_utc": 1768417229.0, "selftext": "Couple of days ago I was approached by a recruiter from crypto company that offered me pretty good job with really good compensation. I was right away chosen for technical interview that included downloading the code from bitbucket and reviewing it to see if there was any problems with it or to give them recommendations on what to improve. This project turns out to be scam. It had .vscode folder as a normal project would have but it tasks it was using curl + bash configuration to fetch some file", "sort": "top", "upvote_ratio": 0.95, "author": "Odd-Ad3266"}

selftext:
Couple of days ago I was approached by a recruiter from crypto company that offered me pretty good job with really good compensation. I was right away chosen for technical interview that included downloading the code from bitbucket and reviewing it to see if there was any problems with it or to give them recommendations on what to improve. This project turns out to be scam. It had .vscode folder as a normal project would have but it tasks it was using curl + bash configuration to fetch some file


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1p0vclh/apartment_laundry_room_requires_app_that_sells/
collected_at: 2026-02-12T00:05:17.889892+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Apartment laundry room requires app that sells data to Facebook, doesn't function without an internet connection and exploits low income people by shilling adware games and scam surveys

metadata:
{"subreddit": "assholedesign", "post_id": "1p0vclh", "score": 679, "num_comments": 54, "created_utc": 1763518704.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "harshbown"}


topic_name: It's like deja vu all over again.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qvaz6u/its_like_deja_vu_all_over_again/
collected_at: 2026-02-12T00:05:26.020612+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qvaz6u", "score": 49, "num_comments": 37, "created_utc": 1770168986.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: Your reminder that if you're not successful in MLM it's your fault because you’re lazy.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qnl9ch/your_reminder_that_if_youre_not_successful_in_mlm/
collected_at: 2026-02-12T00:05:30.135201+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qnl9ch", "score": 105, "num_comments": 38, "created_utc": 1769445850.0, "selftext": "", "sort": "top", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: VA to PA Move Insurance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1jeo5/va_to_pa_move_insurance/
collected_at: 2026-02-12T00:05:44.256781+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1jeo5", "score": 1, "num_comments": 4, "created_utc": 1770772517.0, "selftext": "Heyo,\nI'm trying to figure this out on behalf of a family member. I'm from Canada and my family is in Pennsylvania so please take it easy on me.\n\nMy cousin used to live in Virgina and her driver's license, insurance and all is registered in Virgina. Her dad pays for her insurance and she goes back for state inspections.\n\nShe moved to Pennsylvania a couple years ago and never bothered to switch her driver's license or insurance. \n\nNow I'm being asked if she NEEDS to do it as it seems to be a lot ", "sort": "hot", "upvote_ratio": 1.0, "author": "Accomplished_Run_593"}

selftext:
Heyo,
I'm trying to figure this out on behalf of a family member. I'm from Canada and my family is in Pennsylvania so please take it easy on me.

My cousin used to live in Virgina and her driver's license, insurance and all is registered in Virgina. Her dad pays for her insurance and she goes back for state inspections.

She moved to Pennsylvania a couple years ago and never bothered to switch her driver's license or insurance. 

Now I'm being asked if she NEEDS to do it as it seems to be a lot 


topic_name: At-fault insurer won’t release full payment unless I use a shop
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qimaff/atfault_insurer_wont_release_full_payment_unless/
collected_at: 2026-02-12T00:05:47.658476+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qimaff", "score": 11, "num_comments": 27, "created_utc": 1768964559.0, "selftext": "I\u2019m dealing with a third-party auto claim  (they insure the driver who hit me, this is not my insurance).\n\nImportant detail: I fully own the vehicle and hold the title in my name. There is no lienholder.\n\n**Here\u2019s what\u2019s happening:**\n\n    \u2022\taccepted liability\n    \n    \u2022\tI took my car to one of in-network body shops\n    \n    \u2022\tThe shop provided an estimate\n    \n    \u2022\tlater claimed the estimate was \u201cnot done correctly\u201d\n    \n    \u2022\tInstead of properly revising it, issued only a partial payment to me", "sort": "top", "upvote_ratio": 0.72, "author": "SpaceCowboy664"}

selftext:
I’m dealing with a third-party auto claim  (they insure the driver who hit me, this is not my insurance).

Important detail: I fully own the vehicle and hold the title in my name. There is no lienholder.

**Here’s what’s happening:**

    •	accepted liability
    
    •	I took my car to one of in-network body shops
    
    •	The shop provided an estimate
    
    •	later claimed the estimate was “not done correctly”
    
    •	Instead of properly revising it, issued only a partial payment to me


topic_name: Zendesk: to unsubscribe, uncheck five boxes but also check one
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1m1l0q8/zendesk_to_unsubscribe_uncheck_five_boxes_but/
collected_at: 2026-02-12T00:05:53.366441+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1m1l0q8", "score": 34, "num_comments": 0, "created_utc": 1752691783.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.93, "author": "TheElegantRobot"}


topic_name: My dogs food is hella expensive, any solutions on how I can save money??
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qx72kf/my_dogs_food_is_hella_expensive_any_solutions_on/
collected_at: 2026-02-12T00:06:01.657047+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qx72kf", "score": 4, "num_comments": 31, "created_utc": 1770349725.0, "selftext": "Hi everyone, hoping for some advice from fellow dog parents. My dog has IBS and after trying a bunch of foods, Open Farm is the only brand that works for her without stomach issues. The problem is it\u2019s really expensive and I\u2019m going through a large bag about every two weeks. I don\u2019t want to switch brands and risk flare ups, so I\u2019m wondering if anyone has tips for saving money. Are there any sites, subscriptions, cashback apps, or sales I should know about? Any advice is appreciated!", "sort": "hot", "upvote_ratio": 0.6, "author": "prettymonster27"}

selftext:
Hi everyone, hoping for some advice from fellow dog parents. My dog has IBS and after trying a bunch of foods, Open Farm is the only brand that works for her without stomach issues. The problem is it’s really expensive and I’m going through a large bag about every two weeks. I don’t want to switch brands and risk flare ups, so I’m wondering if anyone has tips for saving money. Are there any sites, subscriptions, cashback apps, or sales I should know about? Any advice is appreciated!


topic_name: Calculated how much Im actually saving by washing my car at home
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qc8lzf/calculated_how_much_im_actually_saving_by_washing/
collected_at: 2026-02-12T00:06:05.044623+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qc8lzf", "score": 239, "num_comments": 96, "created_utc": 1768350819.0, "selftext": "I was one of those people who'd hit up the automatic car wash every 2 weeks like clockwork cause it was \"only $15\" right? Been doing it for years without really thinking about it.\n\nLast month I finally bought one of those foam cannon things from Harbor Freight for like $25 and some decent car soap. Did the math today and realized I was spending roughly $360 a year on car washes (sometimes more cause I'd get the premium wash with the undercarriage spray and whatever).\n\nNow with my setup the soap ", "sort": "top", "upvote_ratio": 0.92, "author": "AffectionateLove8076"}

selftext:
I was one of those people who'd hit up the automatic car wash every 2 weeks like clockwork cause it was "only $15" right? Been doing it for years without really thinking about it.

Last month I finally bought one of those foam cannon things from Harbor Freight for like $25 and some decent car soap. Did the math today and realized I was spending roughly $360 a year on car washes (sometimes more cause I'd get the premium wash with the undercarriage spray and whatever).

Now with my setup the soap 


topic_name: Anyone have a recommendation for my second credit card to apply for.
source: reddit
region: global
collected_at: 2026-02-12T00:06:10.588009+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1r1xtiu/anyone_have_a_recommendation_for_my_second_credit/

metadata:
{"subreddit": "CreditCards", "post_id": "1r1xtiu", "score": 0, "num_comments": 5, "created_utc": 1770817634.0, "selftext": "I\u2019m currently looking for another credit card to apply for but I want to guarantee I\u2019ll be approved. My vantage score is at 648. I have high utilization on my other card but don\u2019t have the funds right now to pay it all down. Other than that I don\u2019t have much credit history outside of a chime secured credit card that I opened years ago. I won\u2019t be using this second card much but just want to have a few credit lines open. I\u2019m also aiming to get the highest credit limit I can get (\\~$1,000-$3,000).", "sort": "hot", "upvote_ratio": 0.4, "author": "finallyrich1"}

selftext:
I’m currently looking for another credit card to apply for but I want to guarantee I’ll be approved. My vantage score is at 648. I have high utilization on my other card but don’t have the funds right now to pay it all down. Other than that I don’t have much credit history outside of a chime secured credit card that I opened years ago. I won’t be using this second card much but just want to have a few credit lines open. I’m also aiming to get the highest credit limit I can get (\~$1,000-$3,000).


topic_name: It Seems You Can Cash Out BILT Cash (Kind of)
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qyz0or/it_seems_you_can_cash_out_bilt_cash_kind_of/
collected_at: 2026-02-12T00:06:13.782198+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qyz0or", "score": 73, "num_comments": 26, "created_utc": 1770523905.0, "selftext": "So, it is most likely not worth the effort, but there is a way to liquidate up to $120 of BILT cash annually via Walgreens. *This only applies to those physically in California*\n\n1. Use BILT cash for $10 Walgreens Gift Card\n2. Go to Walgreens and spend a dollar or less\n3. Request for the money left to be redeemed for cash\n\n-----\n\nEffective April 1, 2026 you can skip step 2 since the maximum cash out is now $14.99 &amp; below. \n\n1. Use BILT cash for $10 Walgreens Gift Card\n2. Cash out Walgreens G", "sort": "top", "upvote_ratio": 0.88, "author": "Parking-Ice-9206"}

selftext:
So, it is most likely not worth the effort, but there is a way to liquidate up to $120 of BILT cash annually via Walgreens. *This only applies to those physically in California*

1. Use BILT cash for $10 Walgreens Gift Card
2. Go to Walgreens and spend a dollar or less
3. Request for the money left to be redeemed for cash

-----

Effective April 1, 2026 you can skip step 2 since the maximum cash out is now $14.99 &amp; below. 

1. Use BILT cash for $10 Walgreens Gift Card
2. Cash out Walgreens G


topic_name: Middle School Students created AI explicit images of me.
source: reddit
region: global
collected_at: 2026-02-12T00:06:18.920987+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1r0mtp8/middle_school_students_created_ai_explicit_images/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r0mtp8", "score": 3376, "num_comments": 63, "created_utc": 1770686117.0, "selftext": "Location: AR, USA. Long story short, i teach at a middle school. 2 of my male students took an image of me and created\u2026 well, AI p\\*rn. They shared it amongst other students, and when caught, they only got 4 days of suspension. Where do i go from here? Is there anything I CAN do? This has been overwhelming, and I feel like I have no support. I\u2019m also a new teacher, so I\u2019ve been stressing out so much about how this will affect my professional image that I haven\u2019t been able to sleep or much. I fee", "sort": "hot", "upvote_ratio": 0.97, "author": "MiaMia4384"}

selftext:
Location: AR, USA. Long story short, i teach at a middle school. 2 of my male students took an image of me and created… well, AI p\*rn. They shared it amongst other students, and when caught, they only got 4 days of suspension. Where do i go from here? Is there anything I CAN do? This has been overwhelming, and I feel like I have no support. I’m also a new teacher, so I’ve been stressing out so much about how this will affect my professional image that I haven’t been able to sleep or much. I fee


topic_name: LPT: Keeping track of people’s interests to maintain social connection
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qqra7j/lpt_keeping_track_of_peoples_interests_to/
collected_at: 2026-02-12T00:06:28.286174+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qqra7j", "score": 647, "num_comments": 31, "created_utc": 1769735711.0, "selftext": "I\u2019ve heard of people who have mini notebooks to note down what people mention about themselves during conversations so if they see a related resource or events and whatnot later on then they would share it with them.\n\nPersonally, I keep a mental note of a couple unique things people mention and then send them messages here and there to keep the social connection after having met. I think that contributes how I\u2019ve managed to maintain both close friendships and social friends over the years. \n\nI t", "sort": "hot", "upvote_ratio": 0.96, "author": "its_elleshe"}

selftext:
I’ve heard of people who have mini notebooks to note down what people mention about themselves during conversations so if they see a related resource or events and whatnot later on then they would share it with them.

Personally, I keep a mental note of a couple unique things people mention and then send them messages here and there to keep the social connection after having met. I think that contributes how I’ve managed to maintain both close friendships and social friends over the years. 

I t


topic_name: Whats your personal BIFL Espresso Machine?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r06dt2/whats_your_personal_bifl_espresso_machine/
collected_at: 2026-02-12T00:06:36.789797+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r06dt2", "score": 14, "num_comments": 61, "created_utc": 1770649132.0, "selftext": "I myself have been going between a mix of analog and digital stuff, and with espresso machines the only thing I can think of thats BIFL is the Flair. What are your personal BIFL espresso machines whether its analog or digital!", "sort": "hot", "upvote_ratio": 0.82, "author": "CoffeeBiscuitTea"}

selftext:
I myself have been going between a mix of analog and digital stuff, and with espresso machines the only thing I can think of thats BIFL is the Flair. What are your personal BIFL espresso machines whether its analog or digital!


topic_name: Seems like I need to get another Embody…
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qddzfj/seems_like_i_need_to_get_another_embody/
collected_at: 2026-02-12T00:06:40.492429+00:00
autocomplete: []
selftext: A picture of my awesome Cat sitting on my Herman Miller x Logitech Embody Chair
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qddzfj", "score": 351, "num_comments": 34, "created_utc": 1768465057.0, "selftext": "A picture of my awesome Cat sitting on my Herman Miller x Logitech Embody Chair", "sort": "top", "upvote_ratio": 0.91, "author": "marwosdeath"}


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397305+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the main causes of coral reef bleaching, and how can we mitigate or prevent this phenomenon in the future?

metadata:
{"original_headline": "Half of the world's coral reefs suffered major bleaching during the 2014\u20132017 global heat wave, estimates suggest - Phys.org", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Charging Phone filter 🤣
source: youtube
region: US
url: https://youtube.com/watch?v=lg0wASnlfiY
collected_at: 2026-02-12T00:04:31.072003
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "lg0wASnlfiY", "channel": "Speed McQueen", "category": "Science & Technology", "category_id": 28, "views": "4114479", "view_count": 4114479, "likes": "81197", "published_at": "2026-02-07T17:15:27Z"}


source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r24lat/college_savings_for_triple_uscolombiangerman/
collected_at: 2026-02-12T00:04:41.815035+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
College savings for triple US-Colombian-German citizen kids: Brokerage + Roth backdoor vs. 529/UTMA – feedback welcome”

metadata:
{"subreddit": "personalfinance", "post_id": "1r24lat", "score": 0, "num_comments": 2, "created_utc": 1770832927.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.5, "author": "Available-Support482"}


topic_name: Pulling out of 401k after quitting a job
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qctcp4/pulling_out_of_401k_after_quitting_a_job/
collected_at: 2026-02-12T00:04:45.418313+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qctcp4", "score": 242, "num_comments": 135, "created_utc": 1768411472.0, "selftext": "So I quit a job last year, and a few months after I quit I got a letter in the mail saying withdraw my 401k, or they\u2019ll just take it back. I decided to pull it out since I had appliances to fix and other things. I had about $5000 in there, and after pulling it out, I only got $3700 due to taxes and such. \n\nNow my question is, will I be fucked on my taxes this year? Even though I had them be pulled out?", "sort": "top", "upvote_ratio": 0.81, "author": "FirefighterNew408"}

selftext:
So I quit a job last year, and a few months after I quit I got a letter in the mail saying withdraw my 401k, or they’ll just take it back. I decided to pull it out since I had appliances to fix and other things. I had about $5000 in there, and after pulling it out, I only got $3700 due to taxes and such. 

Now my question is, will I be fucked on my taxes this year? Even though I had them be pulled out?


topic_name: I just paid off my truck. Wife needs a car, how long to wait before i should fill out a credit app?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzrc0n/i_just_paid_off_my_truck_wife_needs_a_car_how/
collected_at: 2026-02-12T00:04:50.635855+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzrc0n", "score": 6, "num_comments": 6, "created_utc": 1770601972.0, "selftext": "I just paid off my truck (hooray)\n\nCircumstances have decided my wife now needs a car, therefore I\u2019m gonna need financing again soon. \n\nHow long should i wait before filling out a credit app for it to show my other loan as paid off? \n\nOr does that even matter? Will it negatively affect the deal i get? \n\n  \n\nFWIW we\u2019re going to put $15k down on a \\~$30k used car for her, if that matters. ", "sort": "hot", "upvote_ratio": 0.88, "author": "coastalneer"}

selftext:
I just paid off my truck (hooray)

Circumstances have decided my wife now needs a car, therefore I’m gonna need financing again soon. 

How long should i wait before filling out a credit app for it to show my other loan as paid off? 

Or does that even matter? Will it negatively affect the deal i get? 

  

FWIW we’re going to put $15k down on a \~$30k used car for her, if that matters. 


topic_name: Dealership Shout Out
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qu3g3h/dealership_shout_out/
collected_at: 2026-02-12T00:04:53.860444+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qu3g3h", "score": 12, "num_comments": 11, "created_utc": 1770057392.0, "selftext": "Apologies if this kind of post isn't allowed here but I wanted to share a positive experience since we see/hear about so many bad ones. \n\nI've been working with a local Penske owned Audi dealer in AZ on replacing my current worn out Audi for 2 weeks. Saturday was our day to wrap everything up. We were looking at 3 different options. The salesman, GM, &amp; FM were all amazing, accommodating &amp; patient in the process. Worked up 3 different deals, gave us amazing prices out the gate, threw in s", "sort": "top", "upvote_ratio": 0.83, "author": "kylesfrickinreddit"}

selftext:
Apologies if this kind of post isn't allowed here but I wanted to share a positive experience since we see/hear about so many bad ones. 

I've been working with a local Penske owned Audi dealer in AZ on replacing my current worn out Audi for 2 weeks. Saturday was our day to wrap everything up. We were looking at 3 different options. The salesman, GM, &amp; FM were all amazing, accommodating &amp; patient in the process. Worked up 3 different deals, gave us amazing prices out the gate, threw in s


source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0imru/i_owe_over_11k_in_credit_card_debt_and_i_owe/
collected_at: 2026-02-12T00:04:59.457625+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
I owe over $11K in credit card debt and I owe money to a bank and PayPal. Is it wise for me to sell my 6yo car to put a dent in the debt for a while?

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0imru", "score": 73, "num_comments": 65, "created_utc": 1770675761.0, "selftext": "I have a 2020 Nissan Sentra with less than 50K miles on it. I\u2019m thinking of living without a car for a while since I\u2019m trying to get on disability and am unable to pay for car insurance or the license plate stickers anyway. I really like the car but I kinda wanna hear how to adjust to life without having your own car? Is selling your car a smart way to pay off debt?  ", "sort": "hot", "upvote_ratio": 0.8, "author": "WhereTFisPiper"}

selftext:
I have a 2020 Nissan Sentra with less than 50K miles on it. I’m thinking of living without a car for a while since I’m trying to get on disability and am unable to pay for car insurance or the license plate stickers anyway. I really like the car but I kinda wanna hear how to adjust to life without having your own car? Is selling your car a smart way to pay off debt?  


topic_name: Me (24 male) and my little sister (16 female) are homeless
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qubrju/me_24_male_and_my_little_sister_16_female_are/
collected_at: 2026-02-12T00:05:03.489345+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qubrju", "score": 667, "num_comments": 89, "created_utc": 1770075698.0, "selftext": "Trying to figure something out . Was at a warming center yesterday since that was like the only place open at the moment that wasnt full. But they did close yesterday at 11am . Still applying for jobs but havent heard anything yet, applied for this job to be a construction site helper since i have experience in real estate construction and general labor. Ive also called 211 which they keep giving me the same shelters who all say that they are full. I also been to work force solutions so hoping t", "sort": "top", "upvote_ratio": 0.96, "author": "Liirich"}

selftext:
Trying to figure something out . Was at a warming center yesterday since that was like the only place open at the moment that wasnt full. But they did close yesterday at 11am . Still applying for jobs but havent heard anything yet, applied for this job to be a construction site helper since i have experience in real estate construction and general labor. Ive also called 211 which they keep giving me the same shelters who all say that they are full. I also been to work force solutions so hoping t


topic_name: I know this may be a huge red flag- but should I give my email adresss ?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1ddzp/i_know_this_may_be_a_huge_red_flag_but_should_i/
collected_at: 2026-02-12T00:05:08.886828+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1ddzp", "score": 0, "num_comments": 29, "created_utc": 1770757997.0, "selftext": "Not sure if this is a scam or if this is the right sub (If it's not then I sincerely apologize) , but basically : I've been trying to find this item for a while. Found this seller with 100% good ratings who was selling it for a bit more than 2600 USD which is on the lower end of prices for this item that I could find on eBay. \n\nSo I try to buy it multiple times but each time I'm denied because eBay says that \"the seller doesn't ship to my country\". \n\nI contact the seller, ask them if they can sh", "sort": "hot", "upvote_ratio": 0.5, "author": "MarionberryHead8519"}

selftext:
Not sure if this is a scam or if this is the right sub (If it's not then I sincerely apologize) , but basically : I've been trying to find this item for a while. Found this seller with 100% good ratings who was selling it for a bit more than 2600 USD which is on the lower end of prices for this item that I could find on eBay. 

So I try to buy it multiple times but each time I'm denied because eBay says that "the seller doesn't ship to my country". 

I contact the seller, ask them if they can sh


topic_name: Scammer posing as UK police asked if “Trezor” meant anything to me (high-effort call)
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qypjqw/scammer_posing_as_uk_police_asked_if_trezor_meant/
collected_at: 2026-02-12T00:05:12.359000+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qypjqw", "score": 72, "num_comments": 60, "created_utc": 1770498664.0, "selftext": "I received a long unsolicited phone call from someone claiming to be \u201cDetective Baxter\u201d from the UK Metropolitan Police, allegedly working in conjunction with the NYPD.\n\nThey claimed a terrorist suspect had been arrested and was found with a file containing personal data from ~500 people, including mine, and that a fake ID existed in my name. They said they had my name, phone number, an old address, and partial bank/credit card information, and repeatedly asked me to \u201cconfirm\u201d details and whethe", "sort": "top", "upvote_ratio": 0.9, "author": "zatakazz"}

selftext:
I received a long unsolicited phone call from someone claiming to be “Detective Baxter” from the UK Metropolitan Police, allegedly working in conjunction with the NYPD.

They claimed a terrorist suspect had been arrested and was found with a file containing personal data from ~500 people, including mine, and that a fake ID existed in my name. They said they had my name, phone number, an old address, and partial bank/credit card information, and repeatedly asked me to “confirm” details and whethe


topic_name: Chess.com pretends to have made changes to make you open their spam
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1p0ju23/chesscom_pretends_to_have_made_changes_to_make/
collected_at: 2026-02-12T00:05:17.889896+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1p0ju23", "score": 1121, "num_comments": 41, "created_utc": 1763490715.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.95, "author": "anewquestionagain"}


topic_name: Where are they now?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qv3z0m/where_are_they_now/
collected_at: 2026-02-12T00:05:26.020616+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qv3z0m", "score": 64, "num_comments": 15, "created_utc": 1770152152.0, "selftext": "Ever look up the 'friend' who tried to recruit you?\nThe person who tried to recruit me into WFG ended up filing for bankruptcy.... several years after they told me I was going to be left out of the multi-million club if missed the opportunity. His 'partners' appear to have left his behind, or  left WFG for greener scam pastures. The dude who recruited my friend is a born rich dude, who is probably losing money every month, but loves the fake businessman act, he has never had to care... because h", "sort": "hot", "upvote_ratio": 1.0, "author": "WedgeAntilles77"}

selftext:
Ever look up the 'friend' who tried to recruit you?
The person who tried to recruit me into WFG ended up filing for bankruptcy.... several years after they told me I was going to be left out of the multi-million club if missed the opportunity. His 'partners' appear to have left his behind, or  left WFG for greener scam pastures. The dude who recruited my friend is a born rich dude, who is probably losing money every month, but loves the fake businessman act, he has never had to care... because h


topic_name: Where the hell can I find PLPD insurance?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1inam/where_the_hell_can_i_find_plpd_insurance/
collected_at: 2026-02-12T00:05:44.256785+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1inam", "score": 1, "num_comments": 2, "created_utc": 1770770504.0, "selftext": "Looking to buy a used car in the next 3-6 months in the range of 6-10k. Because of this low price range, I don't want to be making high insurance payments which defeat the purpose of owning a low-cost vehicle. I've scoured the internet looking for even a single website that either offers or will guide me to a PLPD insurance quote, but every time I'm redirected to Progressive, GEICO, or another major company's website offering quotes well above basic coverage. Anyone have a site? (EDIT: was not a", "sort": "hot", "upvote_ratio": 1.0, "author": "OkKale2892"}

selftext:
Looking to buy a used car in the next 3-6 months in the range of 6-10k. Because of this low price range, I don't want to be making high insurance payments which defeat the purpose of owning a low-cost vehicle. I've scoured the internet looking for even a single website that either offers or will guide me to a PLPD insurance quote, but every time I'm redirected to Progressive, GEICO, or another major company's website offering quotes well above basic coverage. Anyone have a site? (EDIT: was not a


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qh4x0w/was_in_a_car_accident_back_in_feb_2025_now_i_am/
collected_at: 2026-02-12T00:05:47.658479+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
Was in a car accident back in Feb 2025. now I am getting calls from debt collectors about my glasses

metadata:
{"subreddit": "Insurance", "post_id": "1qh4x0w", "score": 10, "num_comments": 12, "created_utc": 1768831303.0, "selftext": "In February 2025, I was involved in a car accident where another driver suddenly collided with my vehicle, totaling it. During the impact, my eyeglasses were damaged and required replacement. At my eye doctor's office, I provided the at-fault driver's insurance information, and they assured me it would cover the cost of the new glasses.\n\nHowever, 6-8 months later, I received a call from a debt collector claiming I owed approximately $900, stating that an unfamiliar insurance policy\u2014possibly rela", "sort": "top", "upvote_ratio": 0.81, "author": "-Kooper87-"}

selftext:
In February 2025, I was involved in a car accident where another driver suddenly collided with my vehicle, totaling it. During the impact, my eyeglasses were damaged and required replacement. At my eye doctor's office, I provided the at-fault driver's insurance information, and they assured me it would cover the cost of the new glasses.

However, 6-8 months later, I received a call from a debt collector claiming I owed approximately $900, stating that an unfamiliar insurance policy—possibly rela


topic_name: Economist "Manage your cookies" makes you turn On to Opt Out of data sharing
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1lugxs3/economist_manage_your_cookies_makes_you_turn_on/
collected_at: 2026-02-12T00:05:53.366445+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1lugxs3", "score": 11, "num_comments": 0, "created_utc": 1751953934.0, "selftext": "[Select \\\\\"Manage your cookies\\\\\"](https://preview.redd.it/smssxd5r8lbf1.png?width=956&amp;format=png&amp;auto=webp&amp;s=5740157785b0cb305e8d5e2216c982b27495aa9b)\n\n[Get a big verbose dialog that wants you to toggle \\\\\"On\\\\\" to \\*not\\* share. If you aren't reading carefully and click \\\\\"Off\\\\\" like all other cookie preference dialogs, nothing changes because that's the default. And the colorations kind of make it look like \\\\\"Off\\\\\" isn't the one selected.](https://preview.redd.it/h9di2hpw8lbf1.", "sort": "hot", "upvote_ratio": 0.87, "author": "BestUserNameEver5"}

selftext:
[Select \\"Manage your cookies\\"](https://preview.redd.it/smssxd5r8lbf1.png?width=956&amp;format=png&amp;auto=webp&amp;s=5740157785b0cb305e8d5e2216c982b27495aa9b)

[Get a big verbose dialog that wants you to toggle \\"On\\" to \*not\* share. If you aren't reading carefully and click \\"Off\\" like all other cookie preference dialogs, nothing changes because that's the default. And the colorations kind of make it look like \\"Off\\" isn't the one selected.](https://preview.redd.it/h9di2hpw8lbf1.


topic_name: am i too cheapskate already or frugal?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qwgvb4/am_i_too_cheapskate_already_or_frugal/
collected_at: 2026-02-12T00:06:01.657050+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qwgvb4", "score": 64, "num_comments": 35, "created_utc": 1770283997.0, "selftext": "For my country many thing is way too expensive , so i will cross the border and buy grocery , cut my hair etc at there.\n\nAnd my mode of transport will be a motorbike will be less jam compare to car.\n\nDue to the currency most of the thing is cheaper compare to my country.\n\nit will roughly take about 1 hour to reach to reach there.\n\ni find that with the amount spend at over the border, i will save a quite a amount of money and i can get more thing there.\n\nAm i being to cheapskate?", "sort": "hot", "upvote_ratio": 0.84, "author": "Content-Lifeguard218"}

selftext:
For my country many thing is way too expensive , so i will cross the border and buy grocery , cut my hair etc at there.

And my mode of transport will be a motorbike will be less jam compare to car.

Due to the currency most of the thing is cheaper compare to my country.

it will roughly take about 1 hour to reach to reach there.

i find that with the amount spend at over the border, i will save a quite a amount of money and i can get more thing there.

Am i being to cheapskate?


topic_name: Go to Michael's for shirts and sweaters.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qk1ikt/go_to_michaels_for_shirts_and_sweaters/
collected_at: 2026-02-12T00:06:05.044627+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qk1ikt", "score": 219, "num_comments": 41, "created_utc": 1769104484.0, "selftext": "This has probably been posted before but WOW!! I've been wearing Gildan longsleeve shirts for about 2 weeks now and I am beyond comfortable. My fiance and I only wear plain, black shirts so it works perfectly. T shirts are $2.99 ($3.99 for larger sizes), longsleeves are $11.99 ($6.99 on sale, which they're ALWAYS on sale) and sweatshirts for $19.99 ($11.99 on sale). \n\nI just wanted to share this as it feels like we were always buying new shirts at $15 each and sweaters for $30+. This has saved u", "sort": "top", "upvote_ratio": 0.88, "author": "gishadokuro"}

selftext:
This has probably been posted before but WOW!! I've been wearing Gildan longsleeve shirts for about 2 weeks now and I am beyond comfortable. My fiance and I only wear plain, black shirts so it works perfectly. T shirts are $2.99 ($3.99 for larger sizes), longsleeves are $11.99 ($6.99 on sale, which they're ALWAYS on sale) and sweatshirts for $19.99 ($11.99 on sale). 

I just wanted to share this as it feels like we were always buying new shirts at $15 each and sweaters for $30+. This has saved u


topic_name: what card should i get as a college student?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1p3em/what_card_should_i_get_as_a_college_student/
collected_at: 2026-02-12T00:06:10.588012+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1p3em", "score": 5, "num_comments": 9, "created_utc": 1770788637.0, "selftext": "im a college student and my main purchases include gasoline, restaurants/food, and electronics.\n\n i use apple pay for pretty much everything unless its not an option, so ive been looking at the apple credit card. ive heard that besides that and the apple products benefits, its not anything special. what credit cards would be good options for me? ", "sort": "hot", "upvote_ratio": 0.86, "author": "SneakerHead69420666"}

selftext:
im a college student and my main purchases include gasoline, restaurants/food, and electronics.

 i use apple pay for pretty much everything unless its not an option, so ive been looking at the apple credit card. ive heard that besides that and the apple products benefits, its not anything special. what credit cards would be good options for me? 


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qq0b4k/fyi_anyone_with_your_physical_robinhood_card_can/
collected_at: 2026-02-12T00:06:13.782202+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
FYI anyone with your physical robinhood card can add it to their apple pay without any verification needed

metadata:
{"subreddit": "CreditCards", "post_id": "1qq0b4k", "score": 77, "num_comments": 34, "created_utc": 1769665896.0, "selftext": "My wife doesn't like playing the credit card rewards game and just pays for everything with apple pay. I often add my cards to her apple pay to help hit sign on bonuses, etc. With every other bank I've done this with I've gotten some sort of verification requirement, be it a push notification or a text code. Today I added my robinhood gold card to her apple pay, and no verification was needed at all. I didn't even get an email to let me know my card was added to a new apple pay account.\n\nJust a ", "sort": "top", "upvote_ratio": 0.92, "author": "itsbagelnotbagel"}

selftext:
My wife doesn't like playing the credit card rewards game and just pays for everything with apple pay. I often add my cards to her apple pay to help hit sign on bonuses, etc. With every other bank I've done this with I've gotten some sort of verification requirement, be it a push notification or a text code. Today I added my robinhood gold card to her apple pay, and no verification was needed at all. I didn't even get an email to let me know my card was added to a new apple pay account.

Just a 


topic_name: Unclaimed Property - Deceased Father (Massachusetts)
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r29o7d/unclaimed_property_deceased_father_massachusetts/
collected_at: 2026-02-12T00:06:18.920991+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r29o7d", "score": 1, "num_comments": 0, "created_utc": 1770844071.0, "selftext": "Location: Massachusetts \n\nMy sister and I are trying to figure out the best steps to take regarding valuable unclaimed property (significant underlying shares) that the state of Massachusetts is currently holding for my father, who died in 2015.\n\nMy father was married to my mother when he died. My mother never probated his estate\u2014 she sold everything they had, then married her affair partner and has since apparently moved to another state. None of us have talked to or heard from our mother prett", "sort": "hot", "upvote_ratio": 1.0, "author": "Local_Use4891"}

selftext:
Location: Massachusetts 

My sister and I are trying to figure out the best steps to take regarding valuable unclaimed property (significant underlying shares) that the state of Massachusetts is currently holding for my father, who died in 2015.

My father was married to my mother when he died. My mother never probated his estate— she sold everything they had, then married her affair partner and has since apparently moved to another state. None of us have talked to or heard from our mother prett


topic_name: HOA that has never gotten in touch with me is placing lien on my property.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qtcu32/hoa_that_has_never_gotten_in_touch_with_me_is/
collected_at: 2026-02-12T00:06:22.356664+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qtcu32", "score": 642, "num_comments": 111, "created_utc": 1769984669.0, "selftext": "Location: GA\n\nI bought a house about 8 years ago. At the time there was a flag there was an HOA that no one knew about, and I reached out to the email address I was given but no one ever responded. Never heard from them again.\n\nFast forward to now. I put the house in an LLC and a debt collection company sent a notice to the address where my LLC is registered saying they are about to put a lien on the property unless I pay some $$ amount in full. Half of that is fees and interest charges.\n\nIs thi", "sort": "top", "upvote_ratio": 0.91, "author": "pbandjfordayzzz"}

selftext:
Location: GA

I bought a house about 8 years ago. At the time there was a flag there was an HOA that no one knew about, and I reached out to the email address I was given but no one ever responded. Never heard from them again.

Fast forward to now. I put the house in an LLC and a debt collection company sent a notice to the address where my LLC is registered saying they are about to put a lien on the property unless I pay some $$ amount in full. Half of that is fees and interest charges.

Is thi


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qre23f/lpt_if_you_go_out_for_work_or_otherwise_and_need/
collected_at: 2026-02-12T00:06:28.286178+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If you go out for work or otherwise and need to get stuff done when you get home, keep your shoes on

metadata:
{"subreddit": "LifeProTips", "post_id": "1qre23f", "score": 23, "num_comments": 14, "created_utc": 1769798534.0, "selftext": "It helps promote the continuation of \u201cproductive\u201d mode in your brain. I think we\u2019ve all been there where we get home and we\u2019re tired so we sit down and then we don\u2019t get back up. This way, you have a reminder to keep moving for a while longer, and once the shoes come off you\u2019re \u201cdone\u201d for the evening and can rest. \n\nOf course this does not apply if you are a shoe-free home. Perhaps in that case a pair of house shoes you only wear when seeking to be productive would be beneficial.", "sort": "hot", "upvote_ratio": 0.76, "author": "anniewhovian"}

selftext:
It helps promote the continuation of “productive” mode in your brain. I think we’ve all been there where we get home and we’re tired so we sit down and then we don’t get back up. This way, you have a reminder to keep moving for a while longer, and once the shoes come off you’re “done” for the evening and can rest. 

Of course this does not apply if you are a shoe-free home. Perhaps in that case a pair of house shoes you only wear when seeking to be productive would be beneficial.


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1410t/stop_wasting_money_on_novelty_junk_4_gifts_that/
collected_at: 2026-02-12T00:06:36.789801+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
Stop wasting money on novelty junk - 4 gifts that actually lasted 3+ years and 1 that belongs in the bin

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1410t", "score": 0, "num_comments": 10, "created_utc": 1770737853.0, "selftext": "with v-day coming up, i\u2019m stressing about gifts again. my boyfriend is the type of guy who hates clutter and usually just buys whatever he needs immediately. a few years ago i decided to stop buying novelty crap and shift entirely to 'buy it once' style stuff.\nsince i see a lot of people asking for advice for 'the guy who has everything,' here is a retrospective on the stuff that actually stayed in his daily rotation vs the stuff that ended up in the donation bin.\n\n1. Merkur 34C Safety Razor\nbou", "sort": "hot", "upvote_ratio": 0.35, "author": "CholeBhatureyyy"}

selftext:
with v-day coming up, i’m stressing about gifts again. my boyfriend is the type of guy who hates clutter and usually just buys whatever he needs immediately. a few years ago i decided to stop buying novelty crap and shift entirely to 'buy it once' style stuff.
since i see a lot of people asking for advice for 'the guy who has everything,' here is a retrospective on the stuff that actually stayed in his daily rotation vs the stuff that ended up in the donation bin.

1. Merkur 34C Safety Razor
bou


topic_name: What's your BIFL from travels to Japan?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qspxz1/whats_your_bifl_from_travels_to_japan/
collected_at: 2026-02-12T00:06:40.492435+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qspxz1", "score": 350, "num_comments": 232, "created_utc": 1769924405.0, "selftext": "Clearly Japan is a planet of its own when it comes to culture, tech, etc. \n\nWhat have you gotten that can fit in a suitcase that you swear by? \n", "sort": "top", "upvote_ratio": 0.87, "author": "belacanehh"}

selftext:
Clearly Japan is a planet of its own when it comes to culture, tech, etc. 

What have you gotten that can fit in a suitcase that you swear by? 


topic_name: Moving the Financial Goal Posts
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qiw2b2/moving_the_financial_goal_posts/
collected_at: 2026-02-12T00:06:47.000156+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qiw2b2", "score": 26, "num_comments": 44, "created_utc": 1768996898.0, "selftext": "Morning,\n\nfigured I\u2019d connect &amp; see if anyone self-inflicts unnecessary financial stress on themselves, similar to myself. Portfolio aside, I tell myself if I reach \u201cx\u201d value, I can relax. Time passes, I surpass that goal &amp; create a new one. Rinse &amp; Repeat. 35M, close to a 3% FIRE rate, but continue to force myself to accumulate more. Likely a more prevalent issue than I realize, but for those financially diligent, is it ever enough?", "sort": "hot", "upvote_ratio": 0.68, "author": "Aggravating_Bench552"}

selftext:
Morning,

figured I’d connect &amp; see if anyone self-inflicts unnecessary financial stress on themselves, similar to myself. Portfolio aside, I tell myself if I reach “x” value, I can relax. Time passes, I surpass that goal &amp; create a new one. Rinse &amp; Repeat. 35M, close to a 3% FIRE rate, but continue to force myself to accumulate more. Likely a more prevalent issue than I realize, but for those financially diligent, is it ever enough?


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397308+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What is the relationship between imagination and cognitive development in humans and other animals, and how do scientists study this complex process?

metadata:
{"original_headline": "An ape, a tea party \u2014 and the ability to imagine - NPR", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: I Became King of the Unstable SMP
source: youtube
region: US
url: https://youtube.com/watch?v=2WusTNLmBpE
collected_at: 2026-02-12T00:04:30.176621
autocomplete: []
category: General/Mixed
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "2WusTNLmBpE", "channel": "Parrot", "category": "General/Mixed", "category_id": null, "views": "4094402", "view_count": 4094402, "likes": "267234", "published_at": "2026-02-10T15:52:31Z"}


source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815038+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Sanity check: lots of moving insurance options for married couple (baby, aging off insurance, new employment)

url:
https://reddit.com/r/personalfinance/comments/1r24i6m/sanity_check_lots_of_moving_insurance_options_for/

metadata:
{"subreddit": "personalfinance", "post_id": "1r24i6m", "score": 0, "num_comments": 1, "created_utc": 1770832758.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.5, "author": "abefrost"}


topic_name: My college is paid for. What do I do with my 529 plan?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418316+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qtrl0k/my_college_is_paid_for_what_do_i_do_with_my_529/

metadata:
{"subreddit": "personalfinance", "post_id": "1qtrl0k", "score": 232, "num_comments": 135, "created_utc": 1770028425.0, "selftext": "My 529 plan has around 11.5k in it. My college is paid for (not REALLY a scholarship\u2026 technically a trade school, but the state paid for it completely, books and all, and i had no use for my 529.) I\u2019m an LPN for reference and my college (BSN)  will be paid for entirely books included by the hospital i work for (signed a contract with them and I do enjoy working there so no worries that I will leave.) \n\nHere\u2019s the issue: I really need a new vehicle. My car is 11 years old, low mileage but having ", "sort": "top", "upvote_ratio": 0.84, "author": "Accurate_Donut1894"}

selftext:
My 529 plan has around 11.5k in it. My college is paid for (not REALLY a scholarship… technically a trade school, but the state paid for it completely, books and all, and i had no use for my 529.) I’m an LPN for reference and my college (BSN)  will be paid for entirely books included by the hospital i work for (signed a contract with them and I do enjoy working there so no worries that I will leave.) 

Here’s the issue: I really need a new vehicle. My car is 11 years old, low mileage but having 


topic_name: OTD price inquiry - '26 Civic Hybrid Sport
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzu3kp/otd_price_inquiry_26_civic_hybrid_sport/
collected_at: 2026-02-12T00:04:50.635859+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzu3kp", "score": 3, "num_comments": 18, "created_utc": 1770609915.0, "selftext": "As the title states, I'm simply looking to see what a fair price would be for a car that my sister wants to buy and hopefully I don't leave out any details or break any sub rules. She IS set on this car.\n\nLocation - Phoenix, AZ, USA\n\nCar - 2026 Honda Civic Hybrid Sport Sedan\n\nCondition - New\n\nPreferred extras - Lagoon Blue Pearl (+$455 per Honda) and nothing else\n\nMethod of payment - whatever gets me the lowest OTD price so all in cash, whatever amount down+financing, just financing, etc\n\nTrade-", "sort": "hot", "upvote_ratio": 0.67, "author": "LevatMcKonj"}

selftext:
As the title states, I'm simply looking to see what a fair price would be for a car that my sister wants to buy and hopefully I don't leave out any details or break any sub rules. She IS set on this car.

Location - Phoenix, AZ, USA

Car - 2026 Honda Civic Hybrid Sport Sedan

Condition - New

Preferred extras - Lagoon Blue Pearl (+$455 per Honda) and nothing else

Method of payment - whatever gets me the lowest OTD price so all in cash, whatever amount down+financing, just financing, etc

Trade-


topic_name: May have taken a sales job that’ll make me worse at selling
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qt7qdi/may_have_taken_a_sales_job_thatll_make_me_worse/
collected_at: 2026-02-12T00:04:53.860449+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qt7qdi", "score": 10, "num_comments": 5, "created_utc": 1769973344.0, "selftext": "I\u2019m about a year into car sales, mostly highline, and I\u2019m worried I may have accidentally taken a job that\u2019s stunting my growth as a salesperson rather than fostering it.\n\nLast year I started at Audi, where we did everything: product, test drive, and full price negotiation. The problem was the store itself was falling apart. Margins were razor thin, almost every deal was a mini, and we were a city store, so accessibility sucked and the volume just wasn\u2019t there. Even top guys doing 12\u201315 cars wer", "sort": "top", "upvote_ratio": 0.82, "author": "imjustamuzhik"}

selftext:
I’m about a year into car sales, mostly highline, and I’m worried I may have accidentally taken a job that’s stunting my growth as a salesperson rather than fostering it.

Last year I started at Audi, where we did everything: product, test drive, and full price negotiation. The problem was the store itself was falling apart. Margins were razor thin, almost every deal was a mini, and we were a city store, so accessibility sucked and the volume just wasn’t there. Even top guys doing 12–15 cars wer


topic_name: Pay debt or 401(k)?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r16lp5/pay_debt_or_401k/
collected_at: 2026-02-12T00:04:59.457629+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r16lp5", "score": 2, "num_comments": 10, "created_utc": 1770743429.0, "selftext": "I just started a new job (yeah me!) and have the option to contribute a 401(k). \n\nI\u2019m in my late 50s and have zero savings now. Rent, no car, and work from home. I am also an LLC for business purposes, but am a direct employee at my new job. \n\nHowever, my total debt is about 4x my annual pre-tax salary. Should I focus on debt pay down or still put a little aside?\n\nTIA! ", "sort": "hot", "upvote_ratio": 0.63, "author": "Dr_UberEats"}

selftext:
I just started a new job (yeah me!) and have the option to contribute a 401(k). 

I’m in my late 50s and have zero savings now. Rent, no car, and work from home. I am also an LLC for business purposes, but am a direct employee at my new job. 

However, my total debt is about 4x my annual pre-tax salary. Should I focus on debt pay down or still put a little aside?

TIA! 


topic_name: How the f do people afford to live right now??
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qqwzzs/how_the_f_do_people_afford_to_live_right_now/
collected_at: 2026-02-12T00:05:03.489349+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qqwzzs", "score": 653, "num_comments": 137, "created_utc": 1769751754.0, "selftext": "Edit: thank you all so much for sharing your stories, both successes and struggles. It means a lot knowing I'm not alone, even if the circumstances suck. Thank you for the advice too, I'll check out some options I know my body can handle!\n\n\nI'm so tired. I was born in the poverty trap, section 8, foodstamps, you name it, I've tried it. Never got a car and was never taught, very long story short. Now I'm 30, and been unemployed since last May. Was trying to save for driving lessons but here we ar", "sort": "top", "upvote_ratio": 0.92, "author": "ParanorMelActivity"}

selftext:
Edit: thank you all so much for sharing your stories, both successes and struggles. It means a lot knowing I'm not alone, even if the circumstances suck. Thank you for the advice too, I'll check out some options I know my body can handle!


I'm so tired. I was born in the poverty trap, section 8, foodstamps, you name it, I've tried it. Never got a car and was never taught, very long story short. Now I'm 30, and been unemployed since last May. Was trying to save for driving lessons but here we ar


topic_name: [US] What happens to a Money Mule keeps all the money in the box?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1lnsn/us_what_happens_to_a_money_mule_keeps_all_the/
collected_at: 2026-02-12T00:05:08.886832+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1lnsn", "score": 0, "num_comments": 26, "created_utc": 1770778577.0, "selftext": "Hi I was watching some trilogy media, and I became curious\u2026 what would happen if a money mule took the money from the box, and decided to keep all of it. \n\nI assume the scammers ask for their license or something to discourage this behavior (because they know who you are) but what if you gave a fake ID etc. \n\nWhat would the scammers do to get that money or would they just assume it\u2019s lost? Would law enforcement be able to track the money mule and discover the contraband? \n\nJust thought I would a", "sort": "hot", "upvote_ratio": 0.33, "author": "Unable-Ground2822"}

selftext:
Hi I was watching some trilogy media, and I became curious… what would happen if a money mule took the money from the box, and decided to keep all of it. 

I assume the scammers ask for their license or something to discourage this behavior (because they know who you are) but what if you gave a fake ID etc. 

What would the scammers do to get that money or would they just assume it’s lost? Would law enforcement be able to track the money mule and discover the contraband? 

Just thought I would a


topic_name: [US] Instacart Scam? Items added to order, then removed, order not delivered
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qkdmb3/us_instacart_scam_items_added_to_order_then/
collected_at: 2026-02-12T00:05:12.359003+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qkdmb3", "score": 66, "num_comments": 10, "created_utc": 1769133014.0, "selftext": "I had a very odd Instacart experience today that I can\u2019t quite make heads or tails of. I ordered some groceries for delivery. I took a peek when the app said the shopper had started and immediately noticed that my tub of cream cheese had been increased from 1 to 5 and I immediately messaged her (first screenshot). She said it was a glitch and would show normally soon. After her response I noticed that several other items had their quantities increased by 3-5. \n\nThen I noticed that a $50 thing of", "sort": "top", "upvote_ratio": 0.94, "author": "Moth_Friend"}

selftext:
I had a very odd Instacart experience today that I can’t quite make heads or tails of. I ordered some groceries for delivery. I took a peek when the app said the shopper had started and immediately noticed that my tub of cream cheese had been increased from 1 to 5 and I immediately messaged her (first screenshot). She said it was a glitch and would show normally soon. After her response I noticed that several other items had their quantities increased by 3-5. 

Then I noticed that a $50 thing of


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889899+00:00
autocomplete: []
selftext: Redirects to the play store when you try to open a .DOCX or .XLSX file
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Microsoft now makes you install Copilot to read Excel/Word documents on Android, even if you already have the apps.

url:
https://reddit.com/r/assholedesign/comments/1p0qtrp/microsoft_now_makes_you_install_copilot_to_read/

metadata:
{"subreddit": "assholedesign", "post_id": "1p0qtrp", "score": 432, "num_comments": 47, "created_utc": 1763506689.0, "selftext": "Redirects to the play store when you try to open a .DOCX or .XLSX file", "sort": "hot", "upvote_ratio": 0.96, "author": "VesselNBA"}


topic_name: Monat hun aggravated her rosacea again with Monat skincare, blaming it on the cold weather.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qug3cm/monat_hun_aggravated_her_rosacea_again_with_monat/
collected_at: 2026-02-12T00:05:26.020619+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qug3cm", "score": 382, "num_comments": 48, "created_utc": 1770086808.0, "selftext": "She was on topical metronidazole for a couple months, after finally seeing a doctor, and then when her skin cleared up she made a tiktok using Monat skincare products again.  It instantly made her face red, and now a week and a half later, her skin looks terrible again.  She won't admit Monat is the cause, which is super frustrating to watch.", "sort": "hot", "upvote_ratio": 0.98, "author": "odoyle66"}

selftext:
She was on topical metronidazole for a couple months, after finally seeing a doctor, and then when her skin cleared up she made a tiktok using Monat skincare products again.  It instantly made her face red, and now a week and a half later, her skin looks terrible again.  She won't admit Monat is the cause, which is super frustrating to watch.


topic_name: When a hotel/B&amp;B include MLM products as an amenity
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qn6ogk/when_a_hotelbb_include_mlm_products_as_an_amenity/
collected_at: 2026-02-12T00:05:30.135205+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qn6ogk", "score": 102, "num_comments": 14, "created_utc": 1769403533.0, "selftext": "I was looking to book a weekend getaway for myself in late spring. Found super-nice room accommodations for a reasonable price. I looked at the room\u2019s amenities and saw this. Needlessly to say, I will not book this or any room here if they offer MLM products.", "sort": "top", "upvote_ratio": 0.97, "author": "TheStateofWork"}

selftext:
I was looking to book a weekend getaway for myself in late spring. Found super-nice room accommodations for a reasonable price. I looked at the room’s amenities and saw this. Needlessly to say, I will not book this or any room here if they offer MLM products.


topic_name: Career Advise. Underwriting vs Broking
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1ij3u/career_advise_underwriting_vs_broking/
collected_at: 2026-02-12T00:05:44.256789+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1ij3u", "score": 1, "num_comments": 1, "created_utc": 1770770199.0, "selftext": "Hi everyone, looking for some career advice from people working in insurance or broking.\n\nI currently work in an insurance support role and have previous experience in underwriting support. I\u2019m now trying to decide my next career move and feeling quite confused about which path to take.\n\nI\u2019m considering moving into an Underwriting Assistant role, but I\u2019m unsure about long-term opportunities. Would moving into underwriting support limit my chances of joining broking companies like Marsh or Aon la", "sort": "hot", "upvote_ratio": 1.0, "author": "BigIntroduction2539"}

selftext:
Hi everyone, looking for some career advice from people working in insurance or broking.

I currently work in an insurance support role and have previous experience in underwriting support. I’m now trying to decide my next career move and feeling quite confused about which path to take.

I’m considering moving into an Underwriting Assistant role, but I’m unsure about long-term opportunities. Would moving into underwriting support limit my chances of joining broking companies like Marsh or Aon la


topic_name: How easy is it for insurance companies to catch a fraudster?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qgw8hf/how_easy_is_it_for_insurance_companies_to_catch_a/
collected_at: 2026-02-12T00:05:47.658483+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qgw8hf", "score": 11, "num_comments": 34, "created_utc": 1768802732.0, "selftext": "Hope my question makes sense. Long story short, I got into an accident in traffic. Very very very light love tap. The other person had scratches on the back of their vehicle (semi deep scratches), mine had absolutely no damage. The guy told me he had been in a hit and run prior.. and I truly think that\u2019s where the scratches were from. Anyhow, I took it to a body shop where my insurance requested and the body shop said the scratches on the other party\u2019s car are old and don\u2019t even match the color ", "sort": "top", "upvote_ratio": 0.82, "author": "Busy-Poet-7275"}

selftext:
Hope my question makes sense. Long story short, I got into an accident in traffic. Very very very light love tap. The other person had scratches on the back of their vehicle (semi deep scratches), mine had absolutely no damage. The guy told me he had been in a hit and run prior.. and I truly think that’s where the scratches were from. Anyhow, I took it to a body shop where my insurance requested and the body shop said the scratches on the other party’s car are old and don’t even match the color 


topic_name: Dark Patterns in Mobile Games
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1ltecjt/dark_patterns_in_mobile_games/
collected_at: 2026-02-12T00:05:53.366449+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1ltecjt", "score": 32, "num_comments": 3, "created_utc": 1751841939.0, "selftext": "Hello! I\u2019m currently exploring user susceptibility to dark patterns in mobile games for my master\u2019s dissertation. Before launching the main study, I\u2019m conducting a user validity phase where I\u2019d love to get feedback on my adapted version of the System Darkness Scale (SDS), originally designed for e-commerce, now expanded for mobile gaming. It\u2019s attached below as an image.\n\nI\u2019d really appreciate it if you could take a look and let me know whether the prompts are clear, unambiguous, and relatable t", "sort": "hot", "upvote_ratio": 1.0, "author": "Double_Camp4180"}

selftext:
Hello! I’m currently exploring user susceptibility to dark patterns in mobile games for my master’s dissertation. Before launching the main study, I’m conducting a user validity phase where I’d love to get feedback on my adapted version of the System Darkness Scale (SDS), originally designed for e-commerce, now expanded for mobile gaming. It’s attached below as an image.

I’d really appreciate it if you could take a look and let me know whether the prompts are clear, unambiguous, and relatable t


topic_name: What is a cheap alternative to rockwool?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qwrqx0/what_is_a_cheap_alternative_to_rockwool/
collected_at: 2026-02-12T00:06:01.657054+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qwrqx0", "score": 8, "num_comments": 21, "created_utc": 1770312907.0, "selftext": "I am insulating a wall against noise and wanted to use wood wool instead of rock wool, so that I do not need to worry aout breathing anything in. Is there a cheap insulation material like wood wool, that is als safe and used for accoustic dampening (inside two layers of drywall).\n\nThe wall is small, so I only nee roughly 12m\u00b2 of insulation material. We live in northern europe, if that matters.", "sort": "hot", "upvote_ratio": 0.64, "author": "VastPossibility1117"}

selftext:
I am insulating a wall against noise and wanted to use wood wool instead of rock wool, so that I do not need to worry aout breathing anything in. Is there a cheap insulation material like wood wool, that is als safe and used for accoustic dampening (inside two layers of drywall).

The wall is small, so I only nee roughly 12m² of insulation material. We live in northern europe, if that matters.


topic_name: Downgraded to a 5GB monthly mobile data plan and it is way better than having unlimited data.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qm48xs/downgraded_to_a_5gb_monthly_mobile_data_plan_and/
collected_at: 2026-02-12T00:06:05.044634+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qm48xs", "score": 214, "num_comments": 75, "created_utc": 1769301723.0, "selftext": "Downgraded my mobile data plan from unlimited to just 5GB a month. Not only is it far cheaper. I now have to be mindful about my phone when I'm out \u2013\u00a0no mindless scrolling, no videos. I actually read a book the other day on the train.\n\nI sort of did it as an experiment at first, within a week it was obvious I would never undo it.\n\nI've also adjusted a lot of the settings so it uses less data, as there are going to be times I want to use it. If anyone else wants to give it a go, here's some tips ", "sort": "top", "upvote_ratio": 0.89, "author": "gracious_gibbon"}

selftext:
Downgraded my mobile data plan from unlimited to just 5GB a month. Not only is it far cheaper. I now have to be mindful about my phone when I'm out – no mindless scrolling, no videos. I actually read a book the other day on the train.

I sort of did it as an experiment at first, within a week it was obvious I would never undo it.

I've also adjusted a lot of the settings so it uses less data, as there are going to be times I want to use it. If anyone else wants to give it a go, here's some tips 


topic_name: What should be my only credit card?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r20ok6/what_should_be_my_only_credit_card/
collected_at: 2026-02-12T00:06:10.588016+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r20ok6", "score": 0, "num_comments": 15, "created_utc": 1770824422.0, "selftext": "Here is how I want my credit card to be:\n\n* Better points ecosystem that would help me to get better flights with points I earn.\n* Generous sign up bonus\n* Car rental protection\n* Visa network to use it in Costco\n* grocery and dining (my biggest expenses)\n* Slightly nice perks for traveling and entertainment\n\nHere is what I don't care about:\n\n* balance transfer (I never needed that)\n* intro APR (that's a trap)\n\nI currently have these cards:\n\n* Capital One Savor One (Used to be my everything cred", "sort": "hot", "upvote_ratio": 0.33, "author": "Dismal_Orange_8775"}

selftext:
Here is how I want my credit card to be:

* Better points ecosystem that would help me to get better flights with points I earn.
* Generous sign up bonus
* Car rental protection
* Visa network to use it in Costco
* grocery and dining (my biggest expenses)
* Slightly nice perks for traveling and entertainment

Here is what I don't care about:

* balance transfer (I never needed that)
* intro APR (that's a trap)

I currently have these cards:

* Capital One Savor One (Used to be my everything cred


topic_name: Robinhood gold now allows autopay on due date (+DP)
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qkz9dj/robinhood_gold_now_allows_autopay_on_due_date_dp/
collected_at: 2026-02-12T00:06:13.782205+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qkz9dj", "score": 74, "num_comments": 27, "created_utc": 1769194059.0, "selftext": "It'll nag you about weekly or biweekly autopay to lower your utilization, and then it'll try to schedule your monthly autopay for T+5 and tell you it's the \"recommended date\", and then it'll try to make you turn on auto-redeem for 0.7cpp, but you can select any date between T+5 and the due date now.\n\nApproved for this card via CK with a ripe credit age of six months, 31% utilization, and an outright irresponsible limit of $5,000. I was speechless last night.\n\nEdit: financial institutions tend to", "sort": "top", "upvote_ratio": 0.92, "author": "snowmanonaraindeer"}

selftext:
It'll nag you about weekly or biweekly autopay to lower your utilization, and then it'll try to schedule your monthly autopay for T+5 and tell you it's the "recommended date", and then it'll try to make you turn on auto-redeem for 0.7cpp, but you can select any date between T+5 and the due date now.

Approved for this card via CK with a ripe credit age of six months, 31% utilization, and an outright irresponsible limit of $5,000. I was speechless last night.

Edit: financial institutions tend to


topic_name: Loud apartment neighbor
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r23ep6/loud_apartment_neighbor/
collected_at: 2026-02-12T00:06:18.921005+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r23ep6", "score": 2, "num_comments": 0, "created_utc": 1770830430.0, "selftext": "Location: Ohio\n\nWe rent from a big corporate landlord. We transferred units almost 2 years ago, and have been dealing with a terrible upstairs neighbor since the day we moved in. He plays video games in his bedroom directly above our bedroom every night from 11pm-2am (you can practically set a clock by it), often stomping his feet on the floor and yelling at his game in frustration or excitement. These outbursts only last a few seconds but are loud enough to wake us, and then keep us awake as th", "sort": "hot", "upvote_ratio": 0.67, "author": "Classy_Raccoon"}

selftext:
Location: Ohio

We rent from a big corporate landlord. We transferred units almost 2 years ago, and have been dealing with a terrible upstairs neighbor since the day we moved in. He plays video games in his bedroom directly above our bedroom every night from 11pm-2am (you can practically set a clock by it), often stomping his feet on the floor and yelling at his game in frustration or excitement. These outbursts only last a few seconds but are loud enough to wake us, and then keep us awake as th


topic_name: HR unlawfully deducted $2,400 from my paycheck and is refusing to fix it
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qi91y6/hr_unlawfully_deducted_2400_from_my_paycheck_and/
collected_at: 2026-02-12T00:06:22.356667+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qi91y6", "score": 635, "num_comments": 94, "created_utc": 1768933518.0, "selftext": "Location: San Diego, CA\n\nFor context, I am an RN and I work 12 hour shifts at a hospital.\n\nIn November, I was notified that there were discrepancies in my time card and that I was receiving 0.5hr of incidental overtime for 63 shifts. This is because I hadn\u2019t realized that I was supposed to clock out for my unpaid 30min lunches (it is a different timekeeping system than any hospital I have ever worked at). I admitted the mistake to my direct manager and agreed to fix it. \n\nIn December I met with ", "sort": "top", "upvote_ratio": 0.93, "author": "HamsterStrudel"}

selftext:
Location: San Diego, CA

For context, I am an RN and I work 12 hour shifts at a hospital.

In November, I was notified that there were discrepancies in my time card and that I was receiving 0.5hr of incidental overtime for 63 shifts. This is because I hadn’t realized that I was supposed to clock out for my unpaid 30min lunches (it is a different timekeeping system than any hospital I have ever worked at). I admitted the mistake to my direct manager and agreed to fix it. 

In December I met with 


topic_name: LPT: Give compliments on effort, not traits.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qq9xur/lpt_give_compliments_on_effort_not_traits/
collected_at: 2026-02-12T00:06:28.286182+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qq9xur", "score": 2164, "num_comments": 59, "created_utc": 1769696721.0, "selftext": "I try to praise what someone did, not what they are. Effort based compliments feel real and they encourage repeat behavior.\n\nExample 1: \n\nInstead of saying you are so smart, I say I respect how you prepared for that meeting and stayed calm under pressure.\n\nExample 2:   \n  \nInstead of saying you are so calm, I say I saw you stay patient when that guy got rude. That took control.\n\nExample 3:  \n  \nInstead of saying you are so dedicated, I say you showed up even though you were tired. That effort ma", "sort": "hot", "upvote_ratio": 0.97, "author": "gamersecret2"}

selftext:
I try to praise what someone did, not what they are. Effort based compliments feel real and they encourage repeat behavior.

Example 1: 

Instead of saying you are so smart, I say I respect how you prepared for that meeting and stayed calm under pressure.

Example 2:   
  
Instead of saying you are so calm, I say I saw you stay patient when that guy got rude. That took control.

Example 3:  
  
Instead of saying you are so dedicated, I say you showed up even though you were tired. That effort ma


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0zks7/21_travelpro_maxlite_5_softside_tapered_and/
collected_at: 2026-02-12T00:06:36.789804+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
21" Travelpro Maxlite 5 softside - tapered and smaller than my old samsonite but fit the same stuff…what am I missing?

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0zks7", "score": 0, "num_comments": 5, "created_utc": 1770727001.0, "selftext": "Hello.  Got the 21\" Maxlite 5 softside to replace an old Samsonite carryon.  Did a quick test pack comparison, and I was surprised to fit everything from the samsonite into the smaller, tapered travelpro.  The tp is 3 lbs lighter than the sam...very cool.  I feel like I'm missing something in my comparison. Feels like there should be a 23\" maxlite that would provide much more room, or should I be looking elsewhere?", "sort": "hot", "upvote_ratio": 0.33, "author": "bobogator"}

selftext:
Hello.  Got the 21" Maxlite 5 softside to replace an old Samsonite carryon.  Did a quick test pack comparison, and I was surprised to fit everything from the samsonite into the smaller, tapered travelpro.  The tp is 3 lbs lighter than the sam...very cool.  I feel like I'm missing something in my comparison. Feels like there should be a 23" maxlite that would provide much more room, or should I be looking elsewhere?


topic_name: Audiologist wants $3500 for my mom's hearing aids and I just can't swing it
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qjyt9a/audiologist_wants_3500_for_my_moms_hearing_aids/
collected_at: 2026-02-12T00:06:40.492440+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qjyt9a", "score": 348, "num_comments": 275, "created_utc": 1769098638.0, "selftext": "My mom is 68 and her hearing has been getting worse for maybe three years now. She won't admit it but I can tell. She nods along at dinner even when she clearly didn't catch what anyone said. She keeps the TV so loud I can hear it from the driveway.\n\nFinally got her to see an audiologist and they quoted $3500. I don't have that kind of money right now.\n\nBeen searching OTC options for a while now. Jabra, Lexie, Sony, ELEHEAR, Audien. Every single one has people saying it changed their life and pe", "sort": "top", "upvote_ratio": 0.89, "author": "No-Fact-8828"}

selftext:
My mom is 68 and her hearing has been getting worse for maybe three years now. She won't admit it but I can tell. She nods along at dinner even when she clearly didn't catch what anyone said. She keeps the TV so loud I can hear it from the driveway.

Finally got her to see an audiologist and they quoted $3500. I don't have that kind of money right now.

Been searching OTC options for a while now. Jabra, Lexie, Sony, ELEHEAR, Audien. Every single one has people saying it changed their life and pe


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397310+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What can ancient artifacts like sewn hides reveal about the lives and cultures of early humans, and how do researchers date and analyze these findings?

metadata:
{"original_headline": "Researchers discover world\u2019s oldest sewn hide, dated to Ice Age, in Oregon caves - Yahoo", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Dwight & Jim | StewarTV
source: youtube
region: US
url: https://youtube.com/watch?v=oiaMICaZ5kQ
collected_at: 2026-02-12T00:04:30.534633
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "oiaMICaZ5kQ", "channel": "StewarTV", "category": "Entertainment", "category_id": 24, "views": "4033497", "view_count": 4033497, "likes": "319210", "published_at": "2026-02-06T14:48:29Z"}


topic_name: Are HYSAs as easy as I think they are?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r0qoe0/are_hysas_as_easy_as_i_think_they_are/
collected_at: 2026-02-12T00:04:41.815044+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r0qoe0", "score": 1070, "num_comments": 324, "created_utc": 1770696462.0, "selftext": "I had money sitting in a normal bank account for years and it made all of $.10 a month. I moved half of it to a HYSA and it made $1k in a year. It blew my mind how my money made money by just sitting there? But I\u2019m afraid I\u2019m missing something.\n\nMy folks have so much more money than I do. They asked me to help gather their tax documents and they received an interest form for insurance, where they made $27 for the year. I asked why they don\u2019t put it in a HYSA and they just didn\u2019t believe it was w", "sort": "hot", "upvote_ratio": 0.93, "author": "FeatherFlyer"}

selftext:
I had money sitting in a normal bank account for years and it made all of $.10 a month. I moved half of it to a HYSA and it made $1k in a year. It blew my mind how my money made money by just sitting there? But I’m afraid I’m missing something.

My folks have so much more money than I do. They asked me to help gather their tax documents and they received an interest form for insurance, where they made $27 for the year. I asked why they don’t put it in a HYSA and they just didn’t believe it was w


topic_name: Underwater on Auto Loan Ohio
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qew2xf/underwater_on_auto_loan_ohio/
collected_at: 2026-02-12T00:04:45.418320+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qew2xf", "score": 233, "num_comments": 295, "created_utc": 1768606399.0, "selftext": "My brother-in-law (25) has gotten himself into quite the mess. He took out a loan on a used SUV in January 2025 for  $30,000. In October 2025 he traded it in for a new SUV for $50,000. He only received $17,000 on the trade in so $10,000 from the used car loan was rolled into the new loan. After some added services, warranty, and taxes the total loan is now $71,000 which is a monthly payment of $1,016 because the loan is for 84 months...\n\nHe makes $18/hr with no opportunities for overtime. That i", "sort": "top", "upvote_ratio": 0.86, "author": "RandomRedditQuestion"}

selftext:
My brother-in-law (25) has gotten himself into quite the mess. He took out a loan on a used SUV in January 2025 for  $30,000. In October 2025 he traded it in for a new SUV for $50,000. He only received $17,000 on the trade in so $10,000 from the used car loan was rolled into the new loan. After some added services, warranty, and taxes the total loan is now $71,000 which is a monthly payment of $1,016 because the loan is for 84 months...

He makes $18/hr with no opportunities for overtime. That i


topic_name: BMW Dealer Financed Wrong Car
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzap98/bmw_dealer_financed_wrong_car/
collected_at: 2026-02-12T00:04:50.635863+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzap98", "score": 27, "num_comments": 23, "created_utc": 1770561906.0, "selftext": "This post is for a friend that I\u2019m trying to help through a situation and need advice from yall on Reddit.\n\nShe purchased a new 2026 BMW 230i on November 29th of 2025. The car was financed through BMW and away she went.\n\nFast forward to this week, the dealer contacts her and says they accidentally financed the incorrect car. The car they financed was an identical MSRP, but different exterior and interior colors. I had her verify the VIN# on the BMW finance website, and it indeed shows a differen", "sort": "hot", "upvote_ratio": 0.8, "author": "Altruistic_Bad3231"}

selftext:
This post is for a friend that I’m trying to help through a situation and need advice from yall on Reddit.

She purchased a new 2026 BMW 230i on November 29th of 2025. The car was financed through BMW and away she went.

Fast forward to this week, the dealer contacts her and says they accidentally financed the incorrect car. The car they financed was an identical MSRP, but different exterior and interior colors. I had her verify the VIN# on the BMW finance website, and it indeed shows a differen


topic_name: How do I proceed with dealer contact if I am going to use costco auto program eventually?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qn0qer/how_do_i_proceed_with_dealer_contact_if_i_am/
collected_at: 2026-02-12T00:04:53.860453+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qn0qer", "score": 10, "num_comments": 6, "created_utc": 1769387524.0, "selftext": "Been getting calls from dealership since my lease is about to end. I am interested in 2-3 different models but haven't narrowed down to one yet. The final will depend on test drive, options/colors in stock and pricing/offers.\n\nThe reason I want to go through costco is because of the pricing and other factors. For example, when I got my last car their initial quote was much lower than the price on their website (even with a manufacturer rebate). I didn't have to haggle because it was in line with", "sort": "top", "upvote_ratio": 0.86, "author": "toxicdevil"}

selftext:
Been getting calls from dealership since my lease is about to end. I am interested in 2-3 different models but haven't narrowed down to one yet. The final will depend on test drive, options/colors in stock and pricing/offers.

The reason I want to go through costco is because of the pricing and other factors. For example, when I got my last car their initial quote was much lower than the price on their website (even with a manufacturer rebate). I didn't have to haggle because it was in line with


topic_name: Fixed income in PA, facing homelessness
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0kal2/fixed_income_in_pa_facing_homelessness/
collected_at: 2026-02-12T00:04:59.457632+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r0kal2", "score": 41, "num_comments": 45, "created_utc": 1770679640.0, "selftext": "It's my mother who is in this situation. She is in her 70s and lives alone in Stroudsburg/Monroe County, PA. Her lease lists rent as $825. Since the COVID lockdowns, the landlord has accepted $400/month, but it\u2019s been made clear (verbally so far) that rent will be going back up.\n\n  \nSome details:\n\n* She is on Medicare and EBT\n* She gets SSI of about $900/month\n* She has not worked in at least 5 years. She applied for disability, was denied and never appealed, and hasn't worked since (we've been ", "sort": "hot", "upvote_ratio": 0.94, "author": "Complex_Armadillo49"}

selftext:
It's my mother who is in this situation. She is in her 70s and lives alone in Stroudsburg/Monroe County, PA. Her lease lists rent as $825. Since the COVID lockdowns, the landlord has accepted $400/month, but it’s been made clear (verbally so far) that rent will be going back up.

  
Some details:

* She is on Medicare and EBT
* She gets SSI of about $900/month
* She has not worked in at least 5 years. She applied for disability, was denied and never appealed, and hasn't worked since (we've been 


topic_name: Love WinCo!
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qrtmax/love_winco/
collected_at: 2026-02-12T00:05:03.489352+00:00
autocomplete: []
selftext: I brought eight of them 😋
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qrtmax", "score": 643, "num_comments": 32, "created_utc": 1769836992.0, "selftext": "I brought eight of them \ud83d\ude0b", "sort": "top", "upvote_ratio": 0.98, "author": "lonelysadbitch11"}


topic_name: USA. It's tax season and these fake tax scams are so irritating!
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0hvtx/usa_its_tax_season_and_these_fake_tax_scams_are/
collected_at: 2026-02-12T00:05:08.886837+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0hvtx", "score": 31, "num_comments": 10, "created_utc": 1770674069.0, "selftext": "I have filed my taxes without incident since I was 15 years old. That makes this the 30th year I've filed taxes. I don't have any unpaid taxes. If you get these messages don't call them back. The IRS will not call you. They will only correspond with you by USPS mail. These people cannot help you. It infuriates me that these people take advantage of either people who are desperate or they scare people into thinking they have to give them all their information so they can \"save\" them from their ta", "sort": "hot", "upvote_ratio": 0.86, "author": "Wooden-Development14"}

selftext:
I have filed my taxes without incident since I was 15 years old. That makes this the 30th year I've filed taxes. I don't have any unpaid taxes. If you get these messages don't call them back. The IRS will not call you. They will only correspond with you by USPS mail. These people cannot help you. It infuriates me that these people take advantage of either people who are desperate or they scare people into thinking they have to give them all their information so they can "save" them from their ta


topic_name: Received a super creepy phone call, don’t know what to make of it.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qjj0zx/received_a_super_creepy_phone_call_dont_know_what/
collected_at: 2026-02-12T00:05:12.359007+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qjj0zx", "score": 67, "num_comments": 32, "created_utc": 1769051152.0, "selftext": "So I was texting this girl I am planning on seeing tonight and she said she\u2019d let me know when she was done with her studying thing and heading home. I followed up about an hour later and asked how it was going. Minutes later I received a call from No Caller ID and it was a girl i didn\u2019t quite recognize but it was a possible familiar voice. She said \u201cHey just wanted to let you know i just left the house and i\u2019ll be there in 30 minutes.\u201d and i said, \u201cWhat?\u201d becuase i was incredible suspicious esp", "sort": "top", "upvote_ratio": 0.82, "author": "ChallengeUsual8759"}

selftext:
So I was texting this girl I am planning on seeing tonight and she said she’d let me know when she was done with her studying thing and heading home. I followed up about an hour later and asked how it was going. Minutes later I received a call from No Caller ID and it was a girl i didn’t quite recognize but it was a possible familiar voice. She said “Hey just wanted to let you know i just left the house and i’ll be there in 30 minutes.” and i said, “What?” becuase i was incredible suspicious esp


topic_name: The tiniest cents ever
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1p0nl5l/the_tiniest_cents_ever/
collected_at: 2026-02-12T00:05:17.889902+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1p0nl5l", "score": 112, "num_comments": 19, "created_utc": 1763499205.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.8, "author": "NaBUru38"}


topic_name: Mary Kay buyback program
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qv3urf/mary_kay_buyback_program/
collected_at: 2026-02-12T00:05:26.020624+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qv3urf", "score": 16, "num_comments": 44, "created_utc": 1770151887.0, "selftext": "Has anyone done it? What was your experience with ir? Does it take a really long time to see the refund? Did your director immediately start bothering you? ", "sort": "hot", "upvote_ratio": 0.64, "author": "Adventurous_Layer_51"}

selftext:
Has anyone done it? What was your experience with ir? Does it take a really long time to see the refund? Did your director immediately start bothering you? 


topic_name: I NEED HELP!! Personal injury claim with pre-existing condition &amp; NO LAWYER
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1n8xc/i_need_help_personal_injury_claim_with/
collected_at: 2026-02-12T00:05:44.256793+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1n8xc", "score": 0, "num_comments": 6, "created_utc": 1770783000.0, "selftext": "I was rear-ended in October while at a near stop turning into my driveway at 45mph-ish.  I took the ambulance to the hospital for neck/back/right thumb.  I've dealt with a myriad of spine issues since my teens (I'm 45), my hands are really arthritic from an accident 12yrs ago, and everything was throbbing.\n\nFor years I've seen a pain mgmt doc monthly, I'm medicated, and over the year pre-accident I had 2 blocks of nerves ablated.  I have cervical and lumbar stenosis (narrowing space around the s", "sort": "hot", "upvote_ratio": 0.33, "author": "Frillydishes"}

selftext:
I was rear-ended in October while at a near stop turning into my driveway at 45mph-ish.  I took the ambulance to the hospital for neck/back/right thumb.  I've dealt with a myriad of spine issues since my teens (I'm 45), my hands are really arthritic from an accident 12yrs ago, and everything was throbbing.

For years I've seen a pain mgmt doc monthly, I'm medicated, and over the year pre-accident I had 2 blocks of nerves ablated.  I have cervical and lumbar stenosis (narrowing space around the s


topic_name: Do I have an attached garage? Homeowners insurance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qzpamu/do_i_have_an_attached_garage_homeowners_insurance/
collected_at: 2026-02-12T00:05:47.658487+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qzpamu", "score": 10, "num_comments": 18, "created_utc": 1770595958.0, "selftext": "Photo in comments;\n\nHey y\u2019all! I have a detached garage that is connected to my house via a 20 foot balcony from the second floor of my house to the roof of the garage.\n\nI am curious if this is considered an \u201cattached garage\u201d?\n\nI work in insurance so naturally, I am assessing my property and life and the risk associated. We have livestock, and I store my hay in my garage. It\u2019s obviously not a great long-term solution, but we are several thousand dollars away from being able to afford a hay barn.", "sort": "top", "upvote_ratio": 1.0, "author": "VivianneCrowley"}

selftext:
Photo in comments;

Hey y’all! I have a detached garage that is connected to my house via a 20 foot balcony from the second floor of my house to the roof of the garage.

I am curious if this is considered an “attached garage”?

I work in insurance so naturally, I am assessing my property and life and the risk associated. We have livestock, and I store my hay in my garage. It’s obviously not a great long-term solution, but we are several thousand dollars away from being able to afford a hay barn.


topic_name: Dark UX
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1lsyswr/dark_ux/
collected_at: 2026-02-12T00:05:53.366452+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1lsyswr", "score": 2, "num_comments": 0, "created_utc": 1751800620.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "sapco1307"}


topic_name: Tell me I'm not the only one who thinks my country's tradition is the stupidest thing ever.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qxf9qa/tell_me_im_not_the_only_one_who_thinks_my/
collected_at: 2026-02-12T00:06:01.657057+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qxf9qa", "score": 0, "num_comments": 33, "created_utc": 1770377744.0, "selftext": "Basically after you finish secondary school (we finish it around 18-19 here) the class has something like a graduation prom but it has more aspects to it like DJ, all night party and whatnot. \n\nIt's basically like graduation prom you have in US but more grandiose. \n\nThe bottom line is, it costs usually around 600\u20ac-900\u20ac ($700-$1000) and it's like, pretty much noone even questions it. \n\nEveryone just pretends it's mandatory and everyone should participate, even though obviously, spending 700\u20ac for ", "sort": "hot", "upvote_ratio": 0.41, "author": "bugagub"}

selftext:
Basically after you finish secondary school (we finish it around 18-19 here) the class has something like a graduation prom but it has more aspects to it like DJ, all night party and whatnot. 

It's basically like graduation prom you have in US but more grandiose. 

The bottom line is, it costs usually around 600€-900€ ($700-$1000) and it's like, pretty much noone even questions it. 

Everyone just pretends it's mandatory and everyone should participate, even though obviously, spending 700€ for 


topic_name: Venture X over Amex Gold??
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1mjkn/venture_x_over_amex_gold/
collected_at: 2026-02-12T00:06:10.588019+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1mjkn", "score": 3, "num_comments": 10, "created_utc": 1770780991.0, "selftext": "I have had the Amex Gold since 2023 and honestly, I have not really been finding myself using the benefits enough to offset the annual fee. I was looking into the Venture X card and the $300 travel credit already makes it worth it since I travel internationally 1-2x/year. I do have the Chase trifecta as well, and Amex BCE. Thoughts?", "sort": "hot", "upvote_ratio": 0.67, "author": "beranax"}

selftext:
I have had the Amex Gold since 2023 and honestly, I have not really been finding myself using the benefits enough to offset the annual fee. I was looking into the Venture X card and the $300 travel credit already makes it worth it since I travel internationally 1-2x/year. I do have the Chase trifecta as well, and Amex BCE. Thoughts?


topic_name: Altitude Reserve Transfer Partners Actually Happening?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qu3tev/altitude_reserve_transfer_partners_actually/
collected_at: 2026-02-12T00:06:13.782210+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qu3tev", "score": 73, "num_comments": 53, "created_utc": 1770058146.0, "selftext": "Does anyone know anything about the transfer partners for the Altitude Reserve? It\u2019s crazy that it\u2019s already February 2026, but US Bank hasn\u2019t said anything about it. Do you think it\u2019s just a delay or do you think they\u2019re going to renege on it?", "sort": "top", "upvote_ratio": 0.97, "author": "parakutyl"}

selftext:
Does anyone know anything about the transfer partners for the Altitude Reserve? It’s crazy that it’s already February 2026, but US Bank hasn’t said anything about it. Do you think it’s just a delay or do you think they’re going to renege on it?


topic_name: It’s been two months since move in and we still don’t have a mailing address.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r1zsuz/its_been_two_months_since_move_in_and_we_still/
collected_at: 2026-02-12T00:06:18.921008+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1zsuz", "score": 3, "num_comments": 1, "created_utc": 1770822403.0, "selftext": "Location: California, US\n\n A month before move in I raised concerns with the rental company that USPS was saying the address on our lease wasn\u2019t \u201cdeliverable\u201d. They denied this, they said they talked to USPS and the said it was fine and it\u2019s never been a problem.\n\nThen they said they couldn\u2019t get us a key to our mailbox because reasons. Then they said I was right after all but everything was good now but it would take some time to get things sorted with the post office. Then they began to ignore", "sort": "hot", "upvote_ratio": 1.0, "author": "strawberrybluejean"}

selftext:
Location: California, US

 A month before move in I raised concerns with the rental company that USPS was saying the address on our lease wasn’t “deliverable”. They denied this, they said they talked to USPS and the said it was fine and it’s never been a problem.

Then they said they couldn’t get us a key to our mailbox because reasons. Then they said I was right after all but everything was good now but it would take some time to get things sorted with the post office. Then they began to ignore


source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356671+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Dealer in IL sold me a used SUV with an AutoCheck showing no accidents. Insurance later found a police-reported accident with airbag deployment and won’t insure it. Dealer is now calling the history “questionable” and refusing to unwind the sale. What should I do?

url:
https://reddit.com/r/legaladvice/comments/1r084ll/dealer_in_il_sold_me_a_used_suv_with_an_autocheck/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r084ll", "score": 634, "num_comments": 90, "created_utc": 1770653039.0, "selftext": "LOCATION: Illinois\n\n  \nI\u2019m looking for advice on how to handle this situation and whether I have grounds to unwind a used car purchase.\n\nThis past Saturday (Feb 7, 2026), I purchased a used 2023 Hyundai Santa Fe from a dealership about 82 miles from my home. At the time of sale, the dealership provided an\u00a0**AutoCheck report showing no accidents or damage reported**. I relied on that report when completing the purchase.\n\nAfter driving the vehicle home, I attempted to bind insurance. Multiple insu", "sort": "top", "upvote_ratio": 0.96, "author": "lilhoneygroove"}

selftext:
LOCATION: Illinois

  
I’m looking for advice on how to handle this situation and whether I have grounds to unwind a used car purchase.

This past Saturday (Feb 7, 2026), I purchased a used 2023 Hyundai Santa Fe from a dealership about 82 miles from my home. At the time of sale, the dealership provided an **AutoCheck report showing no accidents or damage reported**. I relied on that report when completing the purchase.

After driving the vehicle home, I attempted to bind insurance. Multiple insu


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qqpiy8/lpt_if_you_have_a_business_make_sure_people_who/
collected_at: 2026-02-12T00:06:28.286186+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If you have a business, make sure people who only listen to TV can understand your advertisements.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qqpiy8", "score": 299, "num_comments": 17, "created_utc": 1769731264.0, "selftext": "Have someone who is unfamiliar with your business listen to your ads. Not watch -- listen only. If they can't understand it, you're going to waste a lot of your advertising dollars. \n\nThere is a frequent ad for a local business in my area that I hear as \"Call bah-de-bah-bah, bah-de-bah, OOO!\" \n\n", "sort": "hot", "upvote_ratio": 0.83, "author": "TheFilthyDIL"}

selftext:
Have someone who is unfamiliar with your business listen to your ads. Not watch -- listen only. If they can't understand it, you're going to waste a lot of your advertising dollars. 

There is a frequent ad for a local business in my area that I hear as "Call bah-de-bah-bah, bah-de-bah, OOO!" 


topic_name: Whats your BIFL Blender vintage or modern?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r07pto/whats_your_bifl_blender_vintage_or_modern/
collected_at: 2026-02-12T00:06:36.789808+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r07pto", "score": 7, "num_comments": 8, "created_utc": 1770652153.0, "selftext": "Ive been using Ninja products for a while and I know my grandparents have been using a Vitamix. I hear that Vitamix has been a go to for most. Ninja hasnt been bad for me either but I will say one thing I cant stand is the plastic pitcher. What are yalls BIFL and do you have a glass pitcher?", "sort": "hot", "upvote_ratio": 0.82, "author": "CoffeeBiscuitTea"}

selftext:
Ive been using Ninja products for a while and I know my grandparents have been using a Vitamix. I hear that Vitamix has been a go to for most. Ninja hasnt been bad for me either but I will say one thing I cant stand is the plastic pitcher. What are yalls BIFL and do you have a glass pitcher?


topic_name: Super ugly Kaufman / Sorels still going 30 years later. No leaks. Felt liners still good.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qgc14q/super_ugly_kaufman_sorels_still_going_30_years/
collected_at: 2026-02-12T00:06:40.492445+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qgc14q", "score": 339, "num_comments": 13, "created_utc": 1768751480.0, "selftext": "I bought them at a garage sale. So I don\u2019t really know how old they are. I usually get in a few long hikes with them every winter. I often use micro spikes, which I think has saved the sole.  ", "sort": "top", "upvote_ratio": 0.99, "author": "2-buck"}

selftext:
I bought them at a garage sale. So I don’t really know how old they are. I usually get in a few long hikes with them every winter. I often use micro spikes, which I think has saved the sole.  


topic_name: Semi-FIRE, Barista-FIRE, sabbatical?
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qi5z3c/semifire_baristafire_sabbatical/
collected_at: 2026-02-12T00:06:47.000163+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qi5z3c", "score": 82, "num_comments": 73, "created_utc": 1768927029.0, "selftext": "Long, so long... \n\nSetting: laid off from corporate in 2024. DOGEd from federal government in 2025. Lightly traumatized, depressed, actively avoidant. Applied to one job, which I got. Working at my lifelong favorite market. Initially it was to get out of the apartment for a few hours but switched to full time for excellent health care. \n\nThe job is fine except for the very low wage. If it was paying me $60/hr, I'd be happy as a clam. Instead I'm likely going to top out at about 28 to 30k this ye", "sort": "hot", "upvote_ratio": 0.83, "author": "NeitherCatNorFowl"}

selftext:
Long, so long... 

Setting: laid off from corporate in 2024. DOGEd from federal government in 2025. Lightly traumatized, depressed, actively avoidant. Applied to one job, which I got. Working at my lifelong favorite market. Initially it was to get out of the apartment for a few hours but switched to full time for excellent health care. 

The job is fine except for the very low wage. If it was paying me $60/hr, I'd be happy as a clam. Instead I'm likely going to top out at about 28 to 30k this ye


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397313+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What is the significance of hydrogen in Earth's core, and how does it affect our planet's geology and climate?

metadata:
{"original_headline": "Earth's core may contain as much as 45 oceans' worth of hydrogen, scientists find - KSL News", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: The new guy's got some nerve#shorts
source: youtube
region: US
url: https://youtube.com/watch?v=oGHZ7y-fenw
collected_at: 2026-02-12T00:04:30.534690
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "oGHZ7y-fenw", "channel": "MovieNestTV", "category": "Entertainment", "category_id": 24, "views": "3977157", "view_count": 3977157, "likes": "290537", "published_at": "2026-02-09T09:16:51Z"}


topic_name: Should I sell condo or rent out?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r24gtg/should_i_sell_condo_or_rent_out/
collected_at: 2026-02-12T00:04:41.815048+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r24gtg", "score": 0, "num_comments": 4, "created_utc": 1770832672.0, "selftext": "Hello,\n\nI am currently stuck between whether to rent out my condo that I own or sell it. Current details of condo are\n\n* Purchase Price- $220K\n* 15 year Mortgage at 2.25% (102K left with 10 years left to payoff)\n* $1950 monthly payment (includes $950 principal and interest, $500 property tax, $500 HOA/\n\nSome other issues with the condo is that it's been hard to find tenants in the area (Dallas). I feel bad if I would sell a 2.25% interest rate mortgage but also the HOA has gone up a lot over the", "sort": "hot", "upvote_ratio": 0.4, "author": "kzeng14"}

selftext:
Hello,

I am currently stuck between whether to rent out my condo that I own or sell it. Current details of condo are

* Purchase Price- $220K
* 15 year Mortgage at 2.25% (102K left with 10 years left to payoff)
* $1950 monthly payment (includes $950 principal and interest, $500 property tax, $500 HOA/

Some other issues with the condo is that it's been hard to find tenants in the area (Dallas). I feel bad if I would sell a 2.25% interest rate mortgage but also the HOA has gone up a lot over the


topic_name: How much should I contribute to 401k?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qzmknu/how_much_should_i_contribute_to_401k/
collected_at: 2026-02-12T00:04:45.418323+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qzmknu", "score": 228, "num_comments": 242, "created_utc": 1770588805.0, "selftext": "I make 50k a year. I have rotating weeks so 36 hours 1 week and 48 hours the next. Rent will be 1000 month from the cheapest apartment i could find. 450 car payment, 147 car insurance. 40 phone bill, 25 for gas on average weekly. maybe 50-70 a week for groceries. ", "sort": "top", "upvote_ratio": 0.88, "author": "Willthewise2026"}

selftext:
I make 50k a year. I have rotating weeks so 36 hours 1 week and 48 hours the next. Rent will be 1000 month from the cheapest apartment i could find. 450 car payment, 147 car insurance. 40 phone bill, 25 for gas on average weekly. maybe 50-70 a week for groceries. 


topic_name: Question about Notes on a Car at Dealership
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzm99u/question_about_notes_on_a_car_at_dealership/
collected_at: 2026-02-12T00:04:50.635867+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzm99u", "score": 6, "num_comments": 12, "created_utc": 1770588038.0, "selftext": "Hi there. Question, a dealership I'm looking to buy from in MD sent me a video of the condition of the new 2025 vehicle with 77 miles but yet plastic is still on partial in the back seat and passenger seat to some degree. Also, noticed the accessories mentioned were in a big box in the trunk. Then I noticed this note on the rear driver side passenger window \"NOD DONE\" in window chalk. What does it mean? And also, I checked the VIN. It was at another dealership previously which is about 45-60 mil", "sort": "hot", "upvote_ratio": 0.72, "author": "Naizeer"}

selftext:
Hi there. Question, a dealership I'm looking to buy from in MD sent me a video of the condition of the new 2025 vehicle with 77 miles but yet plastic is still on partial in the back seat and passenger seat to some degree. Also, noticed the accessories mentioned were in a big box in the trunk. Then I noticed this note on the rear driver side passenger window "NOD DONE" in window chalk. What does it mean? And also, I checked the VIN. It was at another dealership previously which is about 45-60 mil


topic_name: Am I being unreasonable/unrealistic about my trade in?
source: reddit
region: global
collected_at: 2026-02-12T00:04:53.860458+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1quccdu/am_i_being_unreasonableunrealistic_about_my_trade/

metadata:
{"subreddit": "askcarsales", "post_id": "1quccdu", "score": 12, "num_comments": 38, "created_utc": 1770077129.0, "selftext": "I have a 2014 F150 FX4 with roughly 55k miles. I looked up the trade in value of the vehicle and both kbb and Edmunds gives a range between $15-20k depending on condition. The most a dealer has offered me for it is $13,500. Am I being low balled or am I being unrealistic in expecting at least $15k?\n\nVehicle: 2014 Ford F150 FX4\n\nMileage: 55,000 miles\n\nOptions: 4 wheel drive, power driver and passenger seats, heated and cooled driver and passenger seats, power moonroof, power rear sliding window, ", "sort": "top", "upvote_ratio": 0.72, "author": "Mustangman-35"}

selftext:
I have a 2014 F150 FX4 with roughly 55k miles. I looked up the trade in value of the vehicle and both kbb and Edmunds gives a range between $15-20k depending on condition. The most a dealer has offered me for it is $13,500. Am I being low balled or am I being unrealistic in expecting at least $15k?

Vehicle: 2014 Ford F150 FX4

Mileage: 55,000 miles

Options: 4 wheel drive, power driver and passenger seats, heated and cooled driver and passenger seats, power moonroof, power rear sliding window, 


topic_name: Everything is costing SO MUCH money that I don't have.
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457637+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r1988e/everything_is_costing_so_much_money_that_i_dont/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1988e", "score": 1, "num_comments": 8, "created_utc": 1770749036.0, "selftext": "Alternate title: So begins my year of budget hell.\n\nI was renting to own for several years before finally purchasing the house I live in. I bought it from family at the end of last year and got a good deal, or so I thought. Then I found out how much more I'd be paying each month thanks to escrow, and my budget got slashed.\n\nThen I had to pay the personal property tax on my car which was hundreds of dollars, which then had an electrical problem and had to be repaired at the dealership, which cost", "sort": "hot", "upvote_ratio": 0.53, "author": "reijasunshine"}

selftext:
Alternate title: So begins my year of budget hell.

I was renting to own for several years before finally purchasing the house I live in. I bought it from family at the end of last year and got a good deal, or so I thought. Then I found out how much more I'd be paying each month thanks to escrow, and my budget got slashed.

Then I had to pay the personal property tax on my car which was hundreds of dollars, which then had an electrical problem and had to be repaired at the dealership, which cost


topic_name: Home owners
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qptsoh/home_owners/
collected_at: 2026-02-12T00:05:03.489357+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qptsoh", "score": 637, "num_comments": 329, "created_utc": 1769648059.0, "selftext": "I just met a 20 year old who bought their house in cash. Then my 30 year old co worker just built a $350,000 house with cash and didn\u2019t think anything of it. How?? That\u2019s all I can say! How?!?", "sort": "top", "upvote_ratio": 0.92, "author": "Maker-Mike-57"}

selftext:
I just met a 20 year old who bought their house in cash. Then my 30 year old co worker just built a $350,000 house with cash and didn’t think anything of it. How?? That’s all I can say! How?!?


topic_name: Is AmericanEmergencyFund.com real or scam?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r159ui/is_americanemergencyfundcom_real_or_scam/
collected_at: 2026-02-12T00:05:08.886840+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r159ui", "score": 0, "num_comments": 11, "created_utc": 1770740576.0, "selftext": "I first found them via a Google search in late 2020 and was initially hopeful as I was in credit card debt at the time.\n\nI was trying my best to pay them off and had difficulty in finding a job due to my disabilities.\n\nIn any case, I found them and put in all of my personal information.\n\nNext thing I knew, my E-mail had been bombarded with spam, and though I did receive real legitimate loan offers from payday/Indian tribe loans, I couldn't help that something was a bit off, so I immediately init", "sort": "hot", "upvote_ratio": 0.47, "author": "GGf1994"}

selftext:
I first found them via a Google search in late 2020 and was initially hopeful as I was in credit card debt at the time.

I was trying my best to pay them off and had difficulty in finding a job due to my disabilities.

In any case, I found them and put in all of my personal information.

Next thing I knew, my E-mail had been bombarded with spam, and though I did receive real legitimate loan offers from payday/Indian tribe loans, I couldn't help that something was a bit off, so I immediately init


topic_name: [US] What was the scam? Phone dead. Can I use yours? Fakes knowing exactly what bar she is at.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qf2fal/us_what_was_the_scam_phone_dead_can_i_use_yours/
collected_at: 2026-02-12T00:05:12.359010+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qf2fal", "score": 66, "num_comments": 44, "created_utc": 1768621087.0, "selftext": "Sitting at the bar. Lady with no credit card , no car, says phone is dead.  Uses my friends phone. Tells her husband/bf I am at the bar and acts like she doesn\u2019t know exactly where she is at. Husband/bf on other end says be there in a couple hours.\n\nWe left the bar.", "sort": "top", "upvote_ratio": 0.88, "author": "Pretend-Ad-7449"}

selftext:
Sitting at the bar. Lady with no credit card , no car, says phone is dead.  Uses my friends phone. Tells her husband/bf I am at the bar and acts like she doesn’t know exactly where she is at. Husband/bf on other end says be there in a couple hours.

We left the bar.


topic_name: Tiktok ad has a fake popup that takes you to the app store when you press X or decline
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889905+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1oynm0h/tiktok_ad_has_a_fake_popup_that_takes_you_to_the/

metadata:
{"subreddit": "assholedesign", "post_id": "1oynm0h", "score": 506, "num_comments": 43, "created_utc": 1763304619.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.95, "author": "haggis69420"}


topic_name: Travel MLM?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1quoco2/travel_mlm/
collected_at: 2026-02-12T00:05:26.020627+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1quoco2", "score": 32, "num_comments": 22, "created_utc": 1770114086.0, "selftext": "I\u2019m curious if this is a MLM or not. An acquaintance recently retired from the Army and started a \u201cbusiness\u201d called On Another Adventure Travel. \n\nI tried Googling and didn\u2019t find anything to confirm or deny that it\u2019s a MLM but the post about remote income by booking travel, and the last sentence stating a travel advisor costs you nothing. I also didn\u2019t find a main website for her business just her on Facebook.\n\nIt seems suspect.", "sort": "hot", "upvote_ratio": 0.96, "author": "laci750"}

selftext:
I’m curious if this is a MLM or not. An acquaintance recently retired from the Army and started a “business” called On Another Adventure Travel. 

I tried Googling and didn’t find anything to confirm or deny that it’s a MLM but the post about remote income by booking travel, and the last sentence stating a travel advisor costs you nothing. I also didn’t find a main website for her business just her on Facebook.

It seems suspect.


topic_name: Filing a claim for slab leak
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r181ty/filing_a_claim_for_slab_leak/
collected_at: 2026-02-12T00:05:44.256797+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r181ty", "score": 3, "num_comments": 12, "created_utc": 1770746540.0, "selftext": "Had a slab leak found the other day effecting a couple rooms downstairs.\n\nSo far:\n\n6k to dig tunnel under my slab\n\n1-2k for plumber to diagnose and fix the issue / replacing copper pipes\n\n5k for water restoration company to stabilize and clean (cutting drywall, removing hardwood, tiles, etc)\n\n??k for a proper restoration\n\nI was trying to avoid making a claim or reporting to my company to avoid insurance premiums or being dropped but these costs are starting to add up.\n\nI have enough in savings t", "sort": "hot", "upvote_ratio": 1.0, "author": "GartholomewBass"}

selftext:
Had a slab leak found the other day effecting a couple rooms downstairs.

So far:

6k to dig tunnel under my slab

1-2k for plumber to diagnose and fix the issue / replacing copper pipes

5k for water restoration company to stabilize and clean (cutting drywall, removing hardwood, tiles, etc)

??k for a proper restoration

I was trying to avoid making a claim or reporting to my company to avoid insurance premiums or being dropped but these costs are starting to add up.

I have enough in savings t


topic_name: Is this settlement reasonable after a parked car collision?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qvbgr6/is_this_settlement_reasonable_after_a_parked_car/
collected_at: 2026-02-12T00:05:47.658490+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qvbgr6", "score": 8, "num_comments": 9, "created_utc": 1770170286.0, "selftext": "Last week, I was sitting in my parked car when another driver tried to front park and hit my car hard. The car made a loud \u201cboom\u201d noise when it was hit and I felt the impact. I have a subcompact SUV and the person who hit me has a midsize SUV. The other party confirmed their fault, so my claim is being handled through the other party\u2019s insurance.\n\nLater that day, pain started in the middle of my neck and middle of my back, both sides of my upper shoulder area, and then spread to my dominant arm.", "sort": "top", "upvote_ratio": 0.91, "author": "Applemcdapplez"}

selftext:
Last week, I was sitting in my parked car when another driver tried to front park and hit my car hard. The car made a loud “boom” noise when it was hit and I felt the impact. I have a subcompact SUV and the person who hit me has a midsize SUV. The other party confirmed their fault, so my claim is being handled through the other party’s insurance.

Later that day, pain started in the middle of my neck and middle of my back, both sides of my upper shoulder area, and then spread to my dominant arm.


topic_name: Doordash Dark pattern: Automatically changing Pickup to Delivery
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1lllxeh/doordash_dark_pattern_automatically_changing/
collected_at: 2026-02-12T00:05:53.366456+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1lllxeh", "score": 20, "num_comments": 3, "created_utc": 1751002061.0, "selftext": "These gougers are so dumb they made it reproducable. \n\nThe app automatically changes all Pickup orders to Delivery orders at the last Checkout page. And of course adds their $20 fee in there with the total price buried below the fold and the big red complete order button above the fold.", "sort": "hot", "upvote_ratio": 0.95, "author": "AloneMusician4816"}

selftext:
These gougers are so dumb they made it reproducable. 

The app automatically changes all Pickup orders to Delivery orders at the last Checkout page. And of course adds their $20 fee in there with the total price buried below the fold and the big red complete order button above the fold.


topic_name: Looking for more ways to save cash. Specially for food
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qw8sjk/looking_for_more_ways_to_save_cash_specially_for/
collected_at: 2026-02-12T00:06:01.657061+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qw8sjk", "score": 44, "num_comments": 83, "created_utc": 1770258233.0, "selftext": "What's your to go hack for High Protein Diet. \nI don't need any new clothes, home appliances. I've got perfumes that were gifted which will last for a while. \nI've stopped using the Landline internet ( as I live alone)\n\nSummer months are very hot. \nHow do I save in these months. \nI do have A/C. \n\nSo far I try to eat at my work place \nWalk a certain distance to my work place saves me a few bucks \n\n\nEating very healthy as possible,\nNo soft drinks or takeout food. No sugar in my diet.  \n\nAnything e", "sort": "hot", "upvote_ratio": 0.77, "author": "hotheat95"}

selftext:
What's your to go hack for High Protein Diet. 
I don't need any new clothes, home appliances. I've got perfumes that were gifted which will last for a while. 
I've stopped using the Landline internet ( as I live alone)

Summer months are very hot. 
How do I save in these months. 
I do have A/C. 

So far I try to eat at my work place 
Walk a certain distance to my work place saves me a few bucks 


Eating very healthy as possible,
No soft drinks or takeout food. No sugar in my diet.  

Anything e


topic_name: TIME FOR JUDGEMENT 👨🏾‍⚖️…be nice lol 👀
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r26uql/time_for_judgement_be_nice_lol/
collected_at: 2026-02-12T00:06:10.588023+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r26uql", "score": 0, "num_comments": 33, "created_utc": 1770837784.0, "selftext": "Just for the fun of it. People opinions doesn\u2019t matter but I like to hear what others think. Might see things from a different perspective\u2026maybe.\n\nLet\u2019s see what y\u2019all think:\n\n1. AMEX Gold \u2013 4X Dining, 4X Groceries\n\n2. AMEX Platinum \u2013 5X Flights, Lounge Access\n\n3. Capital One Venture X \u2013 2X Everything, 10X Hotels &amp; Car Rental (Portal)\n\n4. Blue Cash Preferred \u2013 6% Groceries, 6% Streaming, 3% Gas\n\n5. Robinhood Gold Card \u2013 3% Everything (flat cashback)\n\n6. Hilton Aspire \u2013 14X Hilton, Annual Fre", "sort": "hot", "upvote_ratio": 0.31, "author": "BrilliantSwitch4205"}

selftext:
Just for the fun of it. People opinions doesn’t matter but I like to hear what others think. Might see things from a different perspective…maybe.

Let’s see what y’all think:

1. AMEX Gold – 4X Dining, 4X Groceries

2. AMEX Platinum – 5X Flights, Lounge Access

3. Capital One Venture X – 2X Everything, 10X Hotels &amp; Car Rental (Portal)

4. Blue Cash Preferred – 6% Groceries, 6% Streaming, 3% Gas

5. Robinhood Gold Card – 3% Everything (flat cashback)

6. Hilton Aspire – 14X Hilton, Annual Fre


topic_name: Paid off a card before the interest kicked back in!
source: reddit
region: global
collected_at: 2026-02-12T00:06:13.782214+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1qofwsi/paid_off_a_card_before_the_interest_kicked_back_in/

metadata:
{"subreddit": "CreditCards", "post_id": "1qofwsi", "score": 70, "num_comments": 11, "created_utc": 1769525460.0, "selftext": "Wanted to share this somewhere as I don't have someone in my life to celebrate it with. I had gotten an offer from my jet blue barclays card to take interest down to 3% for like 9 months and had been taking advantage of that as I was close to max on my no interest CC. I'd been using it and built up 2k debt but had been working it back down before the interest rate jumped back up to 29% (fuck you barclays). Today I paid it off with 2 months to spare! Putting it away now, only using for jet blue b", "sort": "top", "upvote_ratio": 0.92, "author": "createsstuff"}

selftext:
Wanted to share this somewhere as I don't have someone in my life to celebrate it with. I had gotten an offer from my jet blue barclays card to take interest down to 3% for like 9 months and had been taking advantage of that as I was close to max on my no interest CC. I'd been using it and built up 2k debt but had been working it back down before the interest rate jumped back up to 29% (fuck you barclays). Today I paid it off with 2 months to spare! Putting it away now, only using for jet blue b


topic_name: Inherited real estate - disclaim, mortgage underwater? (California)
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r29k2x/inherited_real_estate_disclaim_mortgage/
collected_at: 2026-02-12T00:06:18.921012+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r29k2x", "score": 1, "num_comments": 2, "created_utc": 1770843823.0, "selftext": "My Mom passed and owns a house in very poor condition where my siblings live. I'm not sure they can afford the mortgage payments, but I'm also not sure if it's underwater. I live out of state and have been paying for now. The mortgage has been sold since she passed and any paperwork the former lender required has gone into a black hole. They haven't asked for anything else, probably since they're getting paid.   \n  \nDue to the lack of assets and value of the house, I hired a probate referee to p", "sort": "hot", "upvote_ratio": 1.0, "author": "Worldly-Let-9473"}

selftext:
My Mom passed and owns a house in very poor condition where my siblings live. I'm not sure they can afford the mortgage payments, but I'm also not sure if it's underwater. I live out of state and have been paying for now. The mortgage has been sold since she passed and any paperwork the former lender required has gone into a black hole. They haven't asked for anything else, probably since they're getting paid.   
  
Due to the lack of assets and value of the house, I hired a probate referee to p


topic_name: My manager is trying to make us pay for a grease fire that none of us caused
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qxy2hz/my_manager_is_trying_to_make_us_pay_for_a_grease/
collected_at: 2026-02-12T00:06:22.356675+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qxy2hz", "score": 606, "num_comments": 123, "created_utc": 1770421839.0, "selftext": "Location: Georgia, USA\n\nBasically what the title says but they were originally gonna make us pay more to help out the employee who caused it with the promise that we\u2019d be paid back. (Nobody signed it) Now the person who caused it has quit and we got this message today\u2026 \n\n\u201cHey team big announcement regarding the grease fire in December. I've listened to everyone's concerns about the original contract and we have come to a final conclusion with a new contract being drafted. In summary: total owed ", "sort": "top", "upvote_ratio": 0.95, "author": "ghostjace_"}

selftext:
Location: Georgia, USA

Basically what the title says but they were originally gonna make us pay more to help out the employee who caused it with the promise that we’d be paid back. (Nobody signed it) Now the person who caused it has quit and we got this message today… 

“Hey team big announcement regarding the grease fire in December. I've listened to everyone's concerns about the original contract and we have come to a final conclusion with a new contract being drafted. In summary: total owed 


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qpw8le/lpt_get_a_port_out_pin_from_your_big_wireless/
collected_at: 2026-02-12T00:06:28.286189+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT Get a port out pin from your big wireless carrier and they'll instantly give you a discount for fear of leaving them.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qpw8le", "score": 3967, "num_comments": 260, "created_utc": 1769654365.0, "selftext": "I went to change cell phone carriers from Verizon to another company today. If you want to keep your existing phone number, you have to login to your account, go to security, and click \"request port out PIN number\". You need to give this PIN number to your new carrier in order for the phone number to be moved over.\n\nThe only reason anyone would ever request this PIN is to change cell phone carriers. Thus, as soon as I asked for the code I got an email saying \"Thanks for being a loyal customer. H", "sort": "hot", "upvote_ratio": 0.96, "author": "FatRufus"}

selftext:
I went to change cell phone carriers from Verizon to another company today. If you want to keep your existing phone number, you have to login to your account, go to security, and click "request port out PIN number". You need to give this PIN number to your new carrier in order for the phone number to be moved over.

The only reason anyone would ever request this PIN is to change cell phone carriers. Thus, as soon as I asked for the code I got an email saying "Thanks for being a loyal customer. H


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qcwnfu/lpt_turn_off_nearly_all_apps_background_app/
collected_at: 2026-02-12T00:06:31.302195+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: Turn off nearly all apps' Background App Refresh (iOS settings --&gt; general), they drain battery, and many are tracking and selling your location, and unnecessary

metadata:
{"subreddit": "LifeProTips", "post_id": "1qcwnfu", "score": 1188, "num_comments": 52, "created_utc": 1768418563.0, "selftext": "Wonder why your battery is draining so fast?   Useless apps having permission to operate in the background when not in use.  Check the list and you'll see.   Also, many of them insert 3rd party location tracking software that sells your data to brokers (they earn money on the side for it).   Why enable that?   Turn it all off, except actually important apps.  And you don't need BAR to receive alerts/notifications -- they will still work without BAR.", "sort": "top", "upvote_ratio": 0.91, "author": "kepler1"}

selftext:
Wonder why your battery is draining so fast?   Useless apps having permission to operate in the background when not in use.  Check the list and you'll see.   Also, many of them insert 3rd party location tracking software that sells your data to brokers (they earn money on the side for it).   Why enable that?   Turn it all off, except actually important apps.  And you don't need BAR to receive alerts/notifications -- they will still work without BAR.


topic_name: Olukai Mea Ola Finally Bit the Dust
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qzv9d0/olukai_mea_ola_finally_bit_the_dust/
collected_at: 2026-02-12T00:06:36.789811+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzv9d0", "score": 53, "num_comments": 18, "created_utc": 1770613326.0, "selftext": "After 5 Long Years of Constant daily wear, my Olukai Mea Ola flip flops have finally broken. I used them constantly; at home and out, rain or shine, puddles not actively avoided. This is the first pair of flip flops I've ever spent more than $50 on, and it was well worth every penny. At first, they felt heavy, but I quickly got used to them. And once broken in (doesn't take very long), they felt like a dream. I've already ordered my next pair of Olukai Mea Ola Mano. With this next pair, I'll be ", "sort": "hot", "upvote_ratio": 0.86, "author": "Hot_Arrival_7222"}

selftext:
After 5 Long Years of Constant daily wear, my Olukai Mea Ola flip flops have finally broken. I used them constantly; at home and out, rain or shine, puddles not actively avoided. This is the first pair of flip flops I've ever spent more than $50 on, and it was well worth every penny. At first, they felt heavy, but I quickly got used to them. And once broken in (doesn't take very long), they felt like a dream. I've already ordered my next pair of Olukai Mea Ola Mano. With this next pair, I'll be 


topic_name: Vintage White sewing machine
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qctntb/vintage_white_sewing_machine/
collected_at: 2026-02-12T00:06:40.492450+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qctntb", "score": 332, "num_comments": 13, "created_utc": 1768412139.0, "selftext": "Saw this on market place comes in original table and accessories. Problem is I\u2019m new to sewing - I don\u2019t know what I\u2019m doing at all - we are in a temp\n\nRental and don\u2019t know where we are moving next.  Looks to be in great shape from pics \u2026 and its $150 could offer less \u2026 \n\nThoughts ? Not sure I should be taking on a habit like this at this moment but I wanna learn!", "sort": "top", "upvote_ratio": 0.99, "author": "Sb0414"}

selftext:
Saw this on market place comes in original table and accessories. Problem is I’m new to sewing - I don’t know what I’m doing at all - we are in a temp

Rental and don’t know where we are moving next.  Looks to be in great shape from pics … and its $150 could offer less … 

Thoughts ? Not sure I should be taking on a habit like this at this moment but I wanna learn!


source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000167+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
topic_name:
Update (Closing in on FIRE but want to hedge against economy suffering due to my business being luxury focused)

url:
https://reddit.com/r/financialindependence/comments/1qicqe6/update_closing_in_on_fire_but_want_to_hedge/

metadata:
{"subreddit": "financialindependence", "post_id": "1qicqe6", "score": 25, "num_comments": 13, "created_utc": 1768941433.0, "selftext": "Hey all- Posted this about 2.5 years ago and just thought about it the other day.  Figured i would provide an update and evaluate my decisions and the outcomes as my business goes through it's slow season.\n\n  \nOriginal post and context here  - [https://www.reddit.com/r/financialindependence/comments/165hwiw/closing\\_in\\_on\\_fire\\_but\\_want\\_to\\_hedge\\_against/](https://www.reddit.com/r/financialindependence/comments/165hwiw/closing_in_on_fire_but_want_to_hedge_against/)\n\n  \nSince this post, my b", "sort": "hot", "upvote_ratio": 0.72, "author": "chewbacca_moan"}

selftext:
Hey all- Posted this about 2.5 years ago and just thought about it the other day.  Figured i would provide an update and evaluate my decisions and the outcomes as my business goes through it's slow season.

  
Original post and context here  - [https://www.reddit.com/r/financialindependence/comments/165hwiw/closing\_in\_on\_fire\_but\_want\_to\_hedge\_against/](https://www.reddit.com/r/financialindependence/comments/165hwiw/closing_in_on_fire_but_want_to_hedge_against/)

  
Since this post, my b


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397315+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What is the "dark side" of the universe that NASA's Roman Mission aims to unveil, and how will this new knowledge impact our understanding of the cosmos?

metadata:
{"original_headline": "Core Survey by NASA\u2019s Roman Mission Will Unveil Universe\u2019s Dark Side - NASA (.gov)", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Asking Every NFL Team for Free Merch
source: youtube
region: US
url: https://youtube.com/watch?v=nv-mBtghm8U
collected_at: 2026-02-12T00:04:30.766131
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "nv-mBtghm8U", "channel": "Phillip A", "category": "Sports", "category_id": 17, "views": "3850247", "view_count": 3850247, "likes": "209794", "published_at": "2026-02-07T23:24:02Z"}


topic_name: Dior - Harf Cheema - Gurlez Akhtar (Official MV) Gaiphy "From EP - Bloodline (Purity Matters)"
source: youtube
region: CA
url: https://youtube.com/watch?v=gTpH5AOslOE
collected_at: 2026-02-12T00:04:31.596763
autocomplete: []
category: Music
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "gTpH5AOslOE", "channel": "Harf Cheema", "category": "Music", "category_id": 10, "views": "4271257", "view_count": 4271257, "likes": "67620", "published_at": "2026-01-30T12:30:22Z"}


topic_name: Contributed to Roth IRA - turns out we're not elligible after a bonus
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r24ei9/contributed_to_roth_ira_turns_out_were_not/
collected_at: 2026-02-12T00:04:41.815052+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r24ei9", "score": 0, "num_comments": 16, "created_utc": 1770832537.0, "selftext": "**Edit : looks like I was incorrectly assuming our combined salaries was the value to reference when it should be MAGI, which I did not realize accounts for other contributions. Thank you to everyone who replied. I know a lot more about Backdoor Roth's now, so prepared for that possible future, and a lot more about my current Roth IRA.**\n\n\n\nHey all,\n\ndone some digging and I think the answer is \"withdraw the Roth IRA contributions\". but...here's the scenario.\n\nMy wife and I got married in March 2", "sort": "hot", "upvote_ratio": 0.5, "author": "muccamadboymike"}

selftext:
**Edit : looks like I was incorrectly assuming our combined salaries was the value to reference when it should be MAGI, which I did not realize accounts for other contributions. Thank you to everyone who replied. I know a lot more about Backdoor Roth's now, so prepared for that possible future, and a lot more about my current Roth IRA.**



Hey all,

done some digging and I think the answer is "withdraw the Roth IRA contributions". but...here's the scenario.

My wife and I got married in March 2


topic_name: Subaru - Chase Auto Loan Owner Death
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qpi5bl/subaru_chase_auto_loan_owner_death/
collected_at: 2026-02-12T00:04:45.418328+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qpi5bl", "score": 231, "num_comments": 96, "created_utc": 1769621970.0, "selftext": "My wife passed away over the weekend.  I am trying to figure out what to do with her car.  It is fairly new, it's got some equity into it, but we still owe $14k I think on it.  I called Chase and they said my options really are just continuing like nothing happened, surrendering the car, paying it off, refinancing the car, or 3rd party selling. \n\nThey stated some states will not renew registration unless the title is in my own name (I'm not on it at all).  To do so would require a refinance they", "sort": "top", "upvote_ratio": 0.91, "author": "LumpyPeople4"}

selftext:
My wife passed away over the weekend.  I am trying to figure out what to do with her car.  It is fairly new, it's got some equity into it, but we still owe $14k I think on it.  I called Chase and they said my options really are just continuing like nothing happened, surrendering the car, paying it off, refinancing the car, or 3rd party selling. 

They stated some states will not renew registration unless the title is in my own name (I'm not on it at all).  To do so would require a refinance they


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzrbc8/lots_of_problems_with_recently_purchased/
collected_at: 2026-02-12T00:04:50.635870+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
Lots of problems with recently purchased certified pre owned (CPO) 2023 Audi Q5 40 TFSI quattro - what to do?

metadata:
{"subreddit": "askcarsales", "post_id": "1qzrbc8", "score": 2, "num_comments": 12, "created_utc": 1770601918.0, "selftext": "We bought a CPO 2023 Audi Q5 40 TFSI quattro in mid October.\u00a0 Since then it\u2019s had a lot of problems:\u00a0 driver\u2019s seatbelt buckle had to be replaced, abnormal motor vibration (car would gently shake at low speeds until they \u201creset the codes\u201d), a door handle fell off (rather unhelpfully a mechanic smugly said we should learn how to open doors), noisy/messy wipers (which we flagged before purchase and which we were told had been fixed), squeaky brakes, and then the driver\u2019s side window stopped going ", "sort": "hot", "upvote_ratio": 0.58, "author": "Stick5vw"}

selftext:
We bought a CPO 2023 Audi Q5 40 TFSI quattro in mid October.  Since then it’s had a lot of problems:  driver’s seatbelt buckle had to be replaced, abnormal motor vibration (car would gently shake at low speeds until they “reset the codes”), a door handle fell off (rather unhelpfully a mechanic smugly said we should learn how to open doors), noisy/messy wipers (which we flagged before purchase and which we were told had been fixed), squeaky brakes, and then the driver’s side window stopped going 


topic_name: Do you think wagons are going to start creeping back into the market?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qceyd4/do_you_think_wagons_are_going_to_start_creeping/
collected_at: 2026-02-12T00:04:53.860463+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qceyd4", "score": 9, "num_comments": 26, "created_utc": 1768368580.0, "selftext": "Idk if they will be exactly like wagons of the day, but I think we are going to start seeing more wagon like \u201cSUVs\u201d\n\nBest example is the Toyota crown signia. It\u2019s a wagon. Flat out. It\u2019s a wagon. Maybe a little tall sure but for all intensive purposes it\u2019s a wagon. \n\nSubarus Levorg is probably coming here and that\u2019s a legit wagon. The Outback still sells like hotcakes. The new Chevy trax is also basicallly a wagon. The Buick envista is very wagon-esque.\n\nThe biggest thing I see is actually relat", "sort": "top", "upvote_ratio": 0.67, "author": "Nearby_Opening_7435"}

selftext:
Idk if they will be exactly like wagons of the day, but I think we are going to start seeing more wagon like “SUVs”

Best example is the Toyota crown signia. It’s a wagon. Flat out. It’s a wagon. Maybe a little tall sure but for all intensive purposes it’s a wagon. 

Subarus Levorg is probably coming here and that’s a legit wagon. The Outback still sells like hotcakes. The new Chevy trax is also basicallly a wagon. The Buick envista is very wagon-esque.

The biggest thing I see is actually relat


topic_name: It doesn’t hurt to ask!! Reverse fees.
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0aj6m/it_doesnt_hurt_to_ask_reverse_fees/
collected_at: 2026-02-12T00:04:59.457641+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r0aj6m", "score": 101, "num_comments": 6, "created_utc": 1770658213.0, "selftext": "I was charged an annual fee of $95 on a chase card that I\u2019m only 2-3 months from paying off. I was on the phone for less than two minutes and all I said was \u201cI\u2019m working really hard to have this paid off in the next few months, and this set me back, is there any way this can be reversed?\u201d He was so nice and refunded it immediately!\n\nIt obviously helps to be in good standing payment wise. Always be polite and professional!! Credit debt is so stressful, but some quick calls and short and sweet que", "sort": "hot", "upvote_ratio": 0.97, "author": "Desperate_Magician_5"}

selftext:
I was charged an annual fee of $95 on a chase card that I’m only 2-3 months from paying off. I was on the phone for less than two minutes and all I said was “I’m working really hard to have this paid off in the next few months, and this set me back, is there any way this can be reversed?” He was so nice and refunded it immediately!

It obviously helps to be in good standing payment wise. Always be polite and professional!! Credit debt is so stressful, but some quick calls and short and sweet que


topic_name: Scammer on Car Sales Australia
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0yhga/scammer_on_car_sales_australia/
collected_at: 2026-02-12T00:05:08.886844+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0yhga", "score": 2, "num_comments": 7, "created_utc": 1770723631.0, "selftext": "How's this for a scam? He didn't even leave his name: Thanks for your response. I just have a few questions: why are you selling it? Does anything need to be replaced or repaired? I\u2019m fine with the condition as described in the advert. I\u2019m currently working on a remote mine site, and the reception here is very poor. We don\u2019t have access to a phone at the moment, which is why I contacted you via an internet messaging facility.  \n  \nRegarding payment, I will be paying via direct bank deposit (EFT)", "sort": "hot", "upvote_ratio": 0.63, "author": "ActivityOk3778"}

selftext:
How's this for a scam? He didn't even leave his name: Thanks for your response. I just have a few questions: why are you selling it? Does anything need to be replaced or repaired? I’m fine with the condition as described in the advert. I’m currently working on a remote mine site, and the reception here is very poor. We don’t have access to a phone at the moment, which is why I contacted you via an internet messaging facility.  
  
Regarding payment, I will be paying via direct bank deposit (EFT)


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1oxfqdl/streamers_ip_address_got_leaked_by_a_popup/
collected_at: 2026-02-12T00:05:17.889909+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Streamer's IP address got leaked by a popup. Friendly reminder to uninstall any bloatware that does this.

metadata:
{"subreddit": "assholedesign", "post_id": "1oxfqdl", "score": 1016, "num_comments": 17, "created_utc": 1763172911.0, "selftext": "You never know when you'll be sharing your screen to someone (or maybe even streaming as in this case), when suddenly a popup leaks your public IP.", "sort": "hot", "upvote_ratio": 0.97, "author": "Byro267"}

selftext:
You never know when you'll be sharing your screen to someone (or maybe even streaming as in this case), when suddenly a popup leaks your public IP.


topic_name: MLM Storytime
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1quitrj/mlm_storytime/
collected_at: 2026-02-12T00:05:26.020631+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1quitrj", "score": 74, "num_comments": 6, "created_utc": 1770094597.0, "selftext": "\nI am no longer looking for work, but MLMs are still sniffing around my LinkedIn. Today I was messaged by someone who went to my college. I thought, that's cool I would love to connect. So I opened the message, and it read \"Hey, good to be able to connect with you. I\u2019m reaching out to you because I recently gained access to a private mentorship program that teaches young professionals how to develop passive income outside of their full time commitments. I figured it wouldn\u2019t hurt to ask if you\u2019d", "sort": "hot", "upvote_ratio": 0.98, "author": "Bulky-Warthog410"}

selftext:
I am no longer looking for work, but MLMs are still sniffing around my LinkedIn. Today I was messaged by someone who went to my college. I thought, that's cool I would love to connect. So I opened the message, and it read "Hey, good to be able to connect with you. I’m reaching out to you because I recently gained access to a private mentorship program that teaches young professionals how to develop passive income outside of their full time commitments. I figured it wouldn’t hurt to ask if you’d


topic_name: How to find who previously insured a vehicle, and other title fraud questions (california)
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1hlbv/how_to_find_who_previously_insured_a_vehicle_and/
collected_at: 2026-02-12T00:05:44.256800+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1hlbv", "score": 0, "num_comments": 3, "created_utc": 1770767828.0, "selftext": "location: southern california\n\nback in may I bought a car, with a supposed clean title, dealer said it was rear ended, but it wasnt that bad, repairs were only costly enough to constitues a more severe accident on the carfax because of the sensors and other technology in this newer ev. conveniently for them this was only spoken, and subsequent attempts to get them to repeat this in writing have had no success\n\nthe car didn't wind up meeting my needs, and i originally intended to sell it privatel", "sort": "hot", "upvote_ratio": 0.5, "author": "opsecthrowaway394"}

selftext:
location: southern california

back in may I bought a car, with a supposed clean title, dealer said it was rear ended, but it wasnt that bad, repairs were only costly enough to constitues a more severe accident on the carfax because of the sensors and other technology in this newer ev. conveniently for them this was only spoken, and subsequent attempts to get them to repeat this in writing have had no success

the car didn't wind up meeting my needs, and i originally intended to sell it privatel


topic_name: Home insurance says I need to have washing machine water valves replaced.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qxpxex/home_insurance_says_i_need_to_have_washing/
collected_at: 2026-02-12T00:05:47.658494+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qxpxex", "score": 9, "num_comments": 24, "created_utc": 1770403044.0, "selftext": "A few months ago, my home insurance company had me take a bunch of pictures of my house and send it to them. A few days ago I got a letter saying that I need to have a licensed plumber replace the water valves that go to my washing machine. \n\nThis seems kind of silly to me because they don\u2019t look to be in that bad of shape. How often do these kinds of valves need to be replaced?\n\nI cleaned them up a bit and sent another picture to my agent. The agent got back to me and says that just one of them", "sort": "top", "upvote_ratio": 0.84, "author": "Not-Especially-1984"}

selftext:
A few months ago, my home insurance company had me take a bunch of pictures of my house and send it to them. A few days ago I got a letter saying that I need to have a licensed plumber replace the water valves that go to my washing machine. 

This seems kind of silly to me because they don’t look to be in that bad of shape. How often do these kinds of valves need to be replaced?

I cleaned them up a bit and sent another picture to my agent. The agent got back to me and says that just one of them


source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1l7xxt5/creating_a_poll_polls_on_the_web_are_under/
collected_at: 2026-02-12T00:05:53.366459+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
topic_name:
"Creating a poll? Polls on the web are under construction, but you can still create one in the Reddit app. Download the app to get started."

metadata:
{"subreddit": "darkpatterns", "post_id": "1l7xxt5", "score": 16, "num_comments": 2, "created_utc": 1749559921.0, "selftext": "Yeah... it was working before. Just keep the old feature. Unless, the longer it's down it helps to increase app installs.", "sort": "hot", "upvote_ratio": 0.91, "author": "QuarantineNudist"}

selftext:
Yeah... it was working before. Just keep the old feature. Unless, the longer it's down it helps to increase app installs.


topic_name: Secondhand shopping tip: read OLD reviews
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qvpyh8/secondhand_shopping_tip_read_old_reviews/
collected_at: 2026-02-12T00:06:01.657065+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qvpyh8", "score": 303, "num_comments": 27, "created_utc": 1770215221.0, "selftext": "Hi, I wanted to share an approach I use when shopping secondhand. I like reading Wirecutter reviews/ \"best of\" lists. For example, my trusty snow boots my mom bought me in middle school are now wearing out, so I need snow boots. I pulled up the Wirecutter snow boots reviews, and noticed that many of the boot models mentioned were new and not really available secondhand, only at full price $230+. But the article also mentioned that they had reviewed boots in previous years that are now discontinu", "sort": "hot", "upvote_ratio": 0.97, "author": "overcomposer"}

selftext:
Hi, I wanted to share an approach I use when shopping secondhand. I like reading Wirecutter reviews/ "best of" lists. For example, my trusty snow boots my mom bought me in middle school are now wearing out, so I need snow boots. I pulled up the Wirecutter snow boots reviews, and noticed that many of the boot models mentioned were new and not really available secondhand, only at full price $230+. But the article also mentioned that they had reviewed boots in previous years that are now discontinu


topic_name: At Home “Almost Instant” Soft-Serve
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qetexg/at_home_almost_instant_softserve/
collected_at: 2026-02-12T00:06:05.044639+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qetexg", "score": 213, "num_comments": 34, "created_utc": 1768600386.0, "selftext": "My son was watching Bluey and asked what condensed milk was, and so I got some and found a recipe for \u201calmost instant soft serve\u201d. I wouldn\u2019t say almost instant instant, but easy.\n\nA nice way to use up the frozen fruit in the freezer, and I\u2019m impressed that I was able to do it with my blender and the texture turned out OK. I would highly recommend this, I\u2019m sort of kicking myself I didn\u2019t discover it sooner.\n\nIt\u2019s a simple recipe. US: 1.5 lbs of frozen fruit, 3/4 cup sweetened condensed milk, va", "sort": "top", "upvote_ratio": 0.94, "author": "Efficient-Career-829"}

selftext:
My son was watching Bluey and asked what condensed milk was, and so I got some and found a recipe for “almost instant soft serve”. I wouldn’t say almost instant instant, but easy.

A nice way to use up the frozen fruit in the freezer, and I’m impressed that I was able to do it with my blender and the texture turned out OK. I would highly recommend this, I’m sort of kicking myself I didn’t discover it sooner.

It’s a simple recipe. US: 1.5 lbs of frozen fruit, 3/4 cup sweetened condensed milk, va


topic_name: My 90‑year‑old grandfather wants his first-ever credit card — what should he get?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r20qx4/my_90yearold_grandfather_wants_his_firstever/
collected_at: 2026-02-12T00:06:10.588027+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r20qx4", "score": 0, "num_comments": 22, "created_utc": 1770824572.0, "selftext": "My grandfather is **90 years old** and has **never had a credit card or anything that builds credit** in his life. He\u2019s always paid cash and never needed credit before.\n\nNow he wants to open a credit card as someone has told him the benefits of having one.\n\nSince he\u2019s never had credit before, I\u2019m not sure which card makes the most sense. He just wants something **simple, safe, easy to manage, and good for building credit**. Perks are always an extra!", "sort": "hot", "upvote_ratio": 0.33, "author": "Expensive_Gene007"}

selftext:
My grandfather is **90 years old** and has **never had a credit card or anything that builds credit** in his life. He’s always paid cash and never needed credit before.

Now he wants to open a credit card as someone has told him the benefits of having one.

Since he’s never had credit before, I’m not sure which card makes the most sense. He just wants something **simple, safe, easy to manage, and good for building credit**. Perks are always an extra!


topic_name: Fidelity/Elan just added differentiating card numbers and more for authorized users.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qu6ac6/fidelityelan_just_added_differentiating_card/
collected_at: 2026-02-12T00:06:13.782217+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qu6ac6", "score": 65, "num_comments": 4, "created_utc": 1770063356.0, "selftext": "[https://www.fidelity.com/spend-save/help-center/credit-card/authorized-users](https://www.fidelity.com/spend-save/help-center/credit-card/authorized-users)\n\nPrimary and authorized users will now have different card numbers allowing for activity tracking, spending limits, card level controls and more.", "sort": "top", "upvote_ratio": 0.98, "author": "WJKramer"}

selftext:
[https://www.fidelity.com/spend-save/help-center/credit-card/authorized-users](https://www.fidelity.com/spend-save/help-center/credit-card/authorized-users)

Primary and authorized users will now have different card numbers allowing for activity tracking, spending limits, card level controls and more.


topic_name: Which state do I need a lawyer in for an old judgment that moved across states?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r29fha/which_state_do_i_need_a_lawyer_in_for_an_old/
collected_at: 2026-02-12T00:06:18.921016+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r29fha", "score": 1, "num_comments": 0, "created_utc": 1770843541.0, "selftext": "I\u2019m trying to figure out which state I need to hire an attorney in regarding an old judgment.\n\nBrief Timeline:\n\n* Roughly 15 years ago I defaulted on a credit card in Ohio.\n* A judgment was entered against me in Ohio.\n* A few years later I moved to Oklahoma.\n* Around 10 years ago the creditor domesticated the Ohio judgment in Oklahoma as a foreign judgment.\n* The last communication or court docket activity I can find in Oklahoma was about 6 years ago.\n* The last communication or court docket act", "sort": "hot", "upvote_ratio": 1.0, "author": "journeytokiddness"}

selftext:
I’m trying to figure out which state I need to hire an attorney in regarding an old judgment.

Brief Timeline:

* Roughly 15 years ago I defaulted on a credit card in Ohio.
* A judgment was entered against me in Ohio.
* A few years later I moved to Oklahoma.
* Around 10 years ago the creditor domesticated the Ohio judgment in Oklahoma as a foreign judgment.
* The last communication or court docket activity I can find in Oklahoma was about 6 years ago.
* The last communication or court docket act


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qk2hps/wa_state_landlord_wants_me_to_pay_for_damages/
collected_at: 2026-02-12T00:06:22.356679+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
WA State - Landlord wants me to pay for damages because I didnt "push for a maintenance request enough".

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qk2hps", "score": 591, "num_comments": 33, "created_utc": 1769106555.0, "selftext": "Location: WA State \n\nA few months ago I put in a maintenance request for my bathroom. The caulking between the shower stall and floor laminate was cracking and created a space between that water was getting into. I took what measures I could, keeping the area dry and using my bath mat. \n\nThere didn't appear to be any damage at the time, but I put in the request right away because I knew it could be a problem in the future. I noted in the request that I was concerned about future water damage. A ", "sort": "top", "upvote_ratio": 0.99, "author": "mentaltrilllness"}

selftext:
Location: WA State 

A few months ago I put in a maintenance request for my bathroom. The caulking between the shower stall and floor laminate was cracking and created a space between that water was getting into. I took what measures I could, keeping the area dry and using my bath mat. 

There didn't appear to be any damage at the time, but I put in the request right away because I knew it could be a problem in the future. I noted in the request that I was concerned about future water damage. A 


topic_name: LPT: Stop trying to "motivate" yourself and start "bribing" your future self.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qpnof9/lpt_stop_trying_to_motivate_yourself_and_start/
collected_at: 2026-02-12T00:06:28.286193+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qpnof9", "score": 2361, "num_comments": 77, "created_utc": 1769633660.0, "selftext": "Instead of saying \"I need to clean the kitchen,\" tell yourself: \"I\u2019m going to spend 5 minutes loading the dishwasher now so that 'Tomorrow Me' can wake up to a clean sink and a coffee.\" \n\nTreating your future self as a separate person you actually like makes chores feel like a gift you're giving, rather than a punishment you're enduring. \n\nIt sounds cheesy, but the psychological shift is massive.", "sort": "hot", "upvote_ratio": 0.97, "author": "SalcClaudia"}

selftext:
Instead of saying "I need to clean the kitchen," tell yourself: "I’m going to spend 5 minutes loading the dishwasher now so that 'Tomorrow Me' can wake up to a clean sink and a coffee." 

Treating your future self as a separate person you actually like makes chores feel like a gift you're giving, rather than a punishment you're enduring. 

It sounds cheesy, but the psychological shift is massive.


topic_name: best work desk for herman miller areon chair?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0nfzi/best_work_desk_for_herman_miller_areon_chair/
collected_at: 2026-02-12T00:06:36.789815+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0nfzi", "score": 0, "num_comments": 7, "created_utc": 1770687771.0, "selftext": "i have the aaron chair would any desk work or it has to be herman miller? if not, can you recommend me one?", "sort": "hot", "upvote_ratio": 0.5, "author": "Great_Present_6584"}

selftext:
i have the aaron chair would any desk work or it has to be herman miller? if not, can you recommend me one?


source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000170+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
topic_name:
Planning to quit corporate job 3 months after joining - only doing it to use salary to pay for business acquisition diligence closing expenses - Is this stupid?

url:
https://reddit.com/r/financialindependence/comments/1qjan1g/planning_to_quit_corporate_job_3_months_after/

metadata:
{"subreddit": "financialindependence", "post_id": "1qjan1g", "score": 0, "num_comments": 45, "created_utc": 1769030410.0, "selftext": "I'm in the final weeks of closing on a small business acquisition, and I will need to be on-site for at least the first 6 months of ownership/transition - we do have a GM in place day-to-day. Business acquisition is hopefully the first step toward financial independence. Come from a background in banking and private equity and have done a ton of diligence to date.\n\nI've been unemployed for the last 7 months (while I've been searching for a business to buy and also racking up diligence expenses) ", "sort": "hot", "upvote_ratio": 0.44, "author": "Big-Comfortable38"}

selftext:
I'm in the final weeks of closing on a small business acquisition, and I will need to be on-site for at least the first 6 months of ownership/transition - we do have a GM in place day-to-day. Business acquisition is hopefully the first step toward financial independence. Come from a background in banking and private equity and have done a ton of diligence to date.

I've been unemployed for the last 7 months (while I've been searching for a business to buy and also racking up diligence expenses) 


topic_name: Swayambhu - Epic Teaser (Telugu) | Nikhil Siddhartha | Samyukta | Nabha | Bharat | Ravi Basrur
source: youtube
region: US
url: https://youtube.com/watch?v=1J1FAqavUwA
collected_at: 2026-02-12T00:04:30.176766
autocomplete: []
category: General/Mixed
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "1J1FAqavUwA", "channel": "Junglee Music Telugu", "category": "General/Mixed", "category_id": null, "views": "3811460", "view_count": 3811460, "likes": "57046", "published_at": "2026-02-11T06:04:31Z"}


topic_name: What should I be prioritizing?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r24d77/what_should_i_be_prioritizing/
collected_at: 2026-02-12T00:04:41.815057+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r24d77", "score": 0, "num_comments": 4, "created_utc": 1770832457.0, "selftext": "Hi All! Just looking for some advice on what I (25F) should be prioritizing financially based on my current standings and future plans, because I truly have NO idea which area(s) I am doing well in and which ones I could do better in. The main thing that really throws a wrench into everything is that I plan on attending PA school in about 12-18 months, where I probably won't be able to work at all for at least 2 years. I have at least $1k a month that I can afford to put towards something until ", "sort": "hot", "upvote_ratio": 0.33, "author": "_lizziiiee"}

selftext:
Hi All! Just looking for some advice on what I (25F) should be prioritizing financially based on my current standings and future plans, because I truly have NO idea which area(s) I am doing well in and which ones I could do better in. The main thing that really throws a wrench into everything is that I plan on attending PA school in about 12-18 months, where I probably won't be able to work at all for at least 2 years. I have at least $1k a month that I can afford to put towards something until 


topic_name: NCAA settlement buyout
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qnxwxi/ncaa_settlement_buyout/
collected_at: 2026-02-12T00:04:45.418332+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qnxwxi", "score": 227, "num_comments": 98, "created_utc": 1769472745.0, "selftext": "So the NCAA has awarded $2.8b to NCAA athletes from like 2016-2024 and I played power 5 football from 2019-2023. My current claim is worth $23,450 to be paid out in yearly increments over 10 years. I have had an investment firm reach out to me and offer to purchase my share for 35% or somewhere around $8,000. No one knows when the 10 year payments will begin due to lawsuits and what not. \n\nIf you were in my shoes would you take the $8k or the 2.3k yearly payments or should I try and negotiate fo", "sort": "top", "upvote_ratio": 0.86, "author": "Natural_Savings5611"}

selftext:
So the NCAA has awarded $2.8b to NCAA athletes from like 2016-2024 and I played power 5 football from 2019-2023. My current claim is worth $23,450 to be paid out in yearly increments over 10 years. I have had an investment firm reach out to me and offer to purchase my share for 35% or somewhere around $8,000. No one knows when the 10 year payments will begin due to lawsuits and what not. 

If you were in my shoes would you take the $8k or the 2.3k yearly payments or should I try and negotiate fo


topic_name: Question about buying non-certified used car
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzqqmz/question_about_buying_noncertified_used_car/
collected_at: 2026-02-12T00:04:50.635876+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzqqmz", "score": 0, "num_comments": 6, "created_utc": 1770600126.0, "selftext": "First time buying a used car, looking for advice. Found a 2025 car from a Nissan dealership that has 55k miles on it that is selling for 2k under any other car around the same model, trim, year, and mileage in this state and confirmed that this is the out the door price over the phone. Only caveat is that I need to drive 300 miles to get to it.\n\nShould I make sure that I can get a PPI before purchase or that I can return the car after purchase within some time frame so that I can still get it in", "sort": "hot", "upvote_ratio": 0.5, "author": "laws161"}

selftext:
First time buying a used car, looking for advice. Found a 2025 car from a Nissan dealership that has 55k miles on it that is selling for 2k under any other car around the same model, trim, year, and mileage in this state and confirmed that this is the out the door price over the phone. Only caveat is that I need to drive 300 miles to get to it.

Should I make sure that I can get a PPI before purchase or that I can return the car after purchase within some time frame so that I can still get it in


topic_name: ADVICE ON IF A CREDIT UNION WOULD HELP?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1i54m/advice_on_if_a_credit_union_would_help/
collected_at: 2026-02-12T00:04:59.457644+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1i54m", "score": 0, "num_comments": 2, "created_utc": 1770769201.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.14, "author": "Kerbex24"}


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489361+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
DHS decided what the IRS and everyone else calls self employment is a regular job and now we won’t be able to get food stamps.

url:
https://reddit.com/r/povertyfinance/comments/1qcwfyn/dhs_decided_what_the_irs_and_everyone_else_calls/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qcwfyn", "score": 619, "num_comments": 73, "created_utc": 1768418117.0, "selftext": "I had a huge autoimmune disease flare this summer and missed a deadline so we\u2019ve been pulling more from our emergency fund every month. I finally get it together to reapply and the guy decides my job has to be a regular job not self employment. He couldn\u2019t get past the fact that my 1099 comes from a place that does have regular employees or understand that they pay me as a vendor not an employee. So I have to get a verification form filled out. Except there is literally no one who could fill it ", "sort": "top", "upvote_ratio": 0.92, "author": "Representative_Bad57"}

selftext:
I had a huge autoimmune disease flare this summer and missed a deadline so we’ve been pulling more from our emergency fund every month. I finally get it together to reapply and the guy decides my job has to be a regular job not self employment. He couldn’t get past the fact that my 1099 comes from a place that does have regular employees or understand that they pay me as a vendor not an employee. So I have to get a verification form filled out. Except there is literally no one who could fill it 


topic_name: [US] Stalker or scammer? Getting strange voicemails and it’s making me nervous
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r0t7qj/us_stalker_or_scammer_getting_strange_voicemails/
collected_at: 2026-02-12T00:05:08.886848+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r0t7qj", "score": 5, "num_comments": 9, "created_utc": 1770704344.0, "selftext": "I received a string of weird texts one day this past August from a number with my area code. They were very scammy, weird punctuation and some random stock like photos. Pretending to be a boyfriend from like elementary school. I think they knew my first name. I blocked the number immediately, but my read receipts were on. I didn\u2019t realize that blocked numbers can still leave voicemails, and I just saw that the same number has been leaving me voicemails since August! I had like one per month of t", "sort": "hot", "upvote_ratio": 0.78, "author": "merebear421"}

selftext:
I received a string of weird texts one day this past August from a number with my area code. They were very scammy, weird punctuation and some random stock like photos. Pretending to be a boyfriend from like elementary school. I think they knew my first name. I blocked the number immediately, but my read receipts were on. I didn’t realize that blocked numbers can still leave voicemails, and I just saw that the same number has been leaving me voicemails since August! I had like one per month of t


topic_name: [US] My wife was scammed on fb marketplace
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qumh1p/us_my_wife_was_scammed_on_fb_marketplace/
collected_at: 2026-02-12T00:05:12.359014+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qumh1p", "score": 60, "num_comments": 37, "created_utc": 1770106970.0, "selftext": "So long story short my wife did 0 research and sent this seller on fb 300$ for a deposit for a dog. Giving my wife\u2019s phone number, our apartment number along with address.(for contract for the dog).We drove 6 hours to find out this didn\u2019t exist and we knocked on some random guys door. A day later an unknown number called my wife saying it\u2019s \u201csellers name\u201d were down the road with your dog.(dog we were going to get). I love your \u201clist my wife\u2019s suv and color, I\u2019d love to go for a ride in it\u201d and h", "sort": "top", "upvote_ratio": 0.86, "author": "Expensive_Bee6525"}

selftext:
So long story short my wife did 0 research and sent this seller on fb 300$ for a deposit for a dog. Giving my wife’s phone number, our apartment number along with address.(for contract for the dog).We drove 6 hours to find out this didn’t exist and we knocked on some random guys door. A day later an unknown number called my wife saying it’s “sellers name” were down the road with your dog.(dog we were going to get). I love your “list my wife’s suv and color, I’d love to go for a ride in it” and h


topic_name: I guess apples have advertisements on them now...
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1owjp0w/i_guess_apples_have_advertisements_on_them_now/
collected_at: 2026-02-12T00:05:17.889912+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1owjp0w", "score": 35450, "num_comments": 616, "created_utc": 1763084993.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "Acceptable_Let_215"}


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qu2icu/ariel_hun_wins_trip_to_owners_mansion_as_top/
collected_at: 2026-02-12T00:05:26.020634+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
Ariel Hun Wins Trip To Owners mansion as top producer.   She already lives there, she is the owners’ daughter.

metadata:
{"subreddit": "antiMLM", "post_id": "1qu2icu", "score": 328, "num_comments": 49, "created_utc": 1770055456.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Bladboy19"}


topic_name: Young Living Retraction
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qmpwbn/young_living_retraction/
collected_at: 2026-02-12T00:05:30.135210+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qmpwbn", "score": 98, "num_comments": 54, "created_utc": 1769363259.0, "selftext": "", "sort": "top", "upvote_ratio": 0.99, "author": "chellestastics"}


topic_name: Insurance Quote Advice
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1hjdl/insurance_quote_advice/
collected_at: 2026-02-12T00:05:44.256804+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1hjdl", "score": 1, "num_comments": 2, "created_utc": 1770767688.0, "selftext": "I received two quotes from the same company as I was originally dealing with different broker, from the same company, with same property information, any idea why the coverage limit amounts are different? Is it obviously worth it to switch back to the original broker (Option 2) with higher limits? \n\nOption 1: $2011 Premium\n\nYour coverages\n\nDwelling (coverage A)\n\n$421,100\n\nOther structures (coverage B)\n\n$42,110\n\nPersonal property (coverage C)\n\n$210,550\n\nAdditional living expenses (coverage D)\n\n$8", "sort": "hot", "upvote_ratio": 1.0, "author": "bobbybaks123"}

selftext:
I received two quotes from the same company as I was originally dealing with different broker, from the same company, with same property information, any idea why the coverage limit amounts are different? Is it obviously worth it to switch back to the original broker (Option 2) with higher limits? 

Option 1: $2011 Premium

Your coverages

Dwelling (coverage A)

$421,100

Other structures (coverage B)

$42,110

Personal property (coverage C)

$210,550

Additional living expenses (coverage D)

$8


topic_name: Talk to me about NC contributory negligence
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qvb5tj/talk_to_me_about_nc_contributory_negligence/
collected_at: 2026-02-12T00:05:47.658498+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qvb5tj", "score": 9, "num_comments": 5, "created_utc": 1770169468.0, "selftext": "So 6+ months ago I was in NC in a rental vehicle on the high-way and another vehicle merged into me. At this point I don't recall if I had space to dodge or not. In the last 2 weeks they called for a statement and I'm sure I said something indicating 1% fault. What a way to find out NC's odd regime!\n\nBut how on earth does anyone get a claim paid in NC? The only way I as a driver can not be partially at fault is if I'm parked it seems. If I am driving at an intersection, have a green light, and a", "sort": "top", "upvote_ratio": 0.91, "author": "SearchAtlantis"}

selftext:
So 6+ months ago I was in NC in a rental vehicle on the high-way and another vehicle merged into me. At this point I don't recall if I had space to dodge or not. In the last 2 weeks they called for a statement and I'm sure I said something indicating 1% fault. What a way to find out NC's odd regime!

But how on earth does anyone get a claim paid in NC? The only way I as a driver can not be partially at fault is if I'm parked it seems. If I am driving at an intersection, have a green light, and a


topic_name: Zapto scamming with fake Rs.100 discount
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1l5ifmg/zapto_scamming_with_fake_rs100_discount/
collected_at: 2026-02-12T00:05:53.366463+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1l5ifmg", "score": 15, "num_comments": 1, "created_utc": 1749294979.0, "selftext": "Ordered a weight lifting belt from Zepto.\nIt gave me an option to apply Rs.100 discount on the purchase. \nInitially Rs.20 was added for delivery.Once I applied the 100 Rs discount it rolled back to the initial amount instead of 100 Rs less.\n\n", "sort": "hot", "upvote_ratio": 1.0, "author": "Humble_Banda"}

selftext:
Ordered a weight lifting belt from Zepto.
It gave me an option to apply Rs.100 discount on the purchase. 
Initially Rs.20 was added for delivery.Once I applied the 100 Rs discount it rolled back to the initial amount instead of 100 Rs less.


topic_name: Is it normal to be so frugal that you end up becoming lonely?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qvtkae/is_it_normal_to_be_so_frugal_that_you_end_up/
collected_at: 2026-02-12T00:06:01.657068+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qvtkae", "score": 194, "num_comments": 104, "created_utc": 1770223357.0, "selftext": "Pandemic hit me so hard finacially that I feel that I gotta save on everything to the point where I would rather sweat hard than use a fan or A/C. After the Covid pandemic, things became normal and I even prospered a little but my severe scarcity mindset remains to the point where I dont even let me spend time with others unless it is work or training related. Now I am so lonely because I never spent time and resources building friendships. I\u2019m in pain because I am alone but my brain gives me re", "sort": "hot", "upvote_ratio": 0.81, "author": "valiant_cashew_nuts"}

selftext:
Pandemic hit me so hard finacially that I feel that I gotta save on everything to the point where I would rather sweat hard than use a fan or A/C. After the Covid pandemic, things became normal and I even prospered a little but my severe scarcity mindset remains to the point where I dont even let me spend time with others unless it is work or training related. Now I am so lonely because I never spent time and resources building friendships. I’m in pain because I am alone but my brain gives me re


topic_name: Lids on our frugal alternatives make them impossible to use
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qhf3m3/lids_on_our_frugal_alternatives_make_them/
collected_at: 2026-02-12T00:06:05.044643+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qhf3m3", "score": 211, "num_comments": 73, "created_utc": 1768853190.0, "selftext": "Just a rant that when i buy the budget version of something, the container itself makes it nearly unusable. Spray nozzles that don't spray, flip caps that snap upon touch, twist lids that are so short you have to grab the container in such a way that the excess product gushes out as soon as you open it since the container itself is so thin you can't hold it without squeezing it. Press-in twist lids that just pop off in your hand or fall off upon pouring. I shouldn't say it's only with budget ite", "sort": "top", "upvote_ratio": 0.91, "author": "MorddSith187"}

selftext:
Just a rant that when i buy the budget version of something, the container itself makes it nearly unusable. Spray nozzles that don't spray, flip caps that snap upon touch, twist lids that are so short you have to grab the container in such a way that the excess product gushes out as soon as you open it since the container itself is so thin you can't hold it without squeezing it. Press-in twist lids that just pop off in your hand or fall off upon pouring. I shouldn't say it's only with budget ite


topic_name: Help me decide to get which one please
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1md49/help_me_decide_to_get_which_one_please/
collected_at: 2026-02-12T00:06:10.588030+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1md49", "score": 3, "num_comments": 2, "created_utc": 1770780486.0, "selftext": "hey guys, i think i need help to decide which card to get. between chase freedom unlimited or Citi double or fidelity ones. i am looking for no af or low af in card since I don't spend enough (travel enough) to get the other benefits.\n\nI am going to have 3 domestic trips via air or public transportation coming up where i usually stay in air bnb(so the hotel ones don't really work for me), which is pretty much for the plan for the next 5 years. don't want to get wf cards since I already get into ", "sort": "hot", "upvote_ratio": 1.0, "author": "Western-Shallot-7788"}

selftext:
hey guys, i think i need help to decide which card to get. between chase freedom unlimited or Citi double or fidelity ones. i am looking for no af or low af in card since I don't spend enough (travel enough) to get the other benefits.

I am going to have 3 domestic trips via air or public transportation coming up where i usually stay in air bnb(so the hotel ones don't really work for me), which is pretty much for the plan for the next 5 years. don't want to get wf cards since I already get into 


topic_name: Confirmed: CSP 1 sub/lifetime
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qkslxs/confirmed_csp_1_sublifetime/
collected_at: 2026-02-12T00:06:13.782223+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qkslxs", "score": 64, "num_comments": 42, "created_utc": 1769179362.0, "selftext": "Applied for the Chase Sapphire Preferred just now online. Was told not eligible for new card member offer /sign up bonus, so I withdrew app. I opened and received bonus for CSP in 2021, PCed to CSR 2022, cancelled CSR 2024. 5/24 (many data points of Chase approving sapphire cards even when 5/24 since the refresh).", "sort": "top", "upvote_ratio": 0.89, "author": "LimaLord"}

selftext:
Applied for the Chase Sapphire Preferred just now online. Was told not eligible for new card member offer /sign up bonus, so I withdrew app. I opened and received bonus for CSP in 2021, PCed to CSR 2022, cancelled CSR 2024. 5/24 (many data points of Chase approving sapphire cards even when 5/24 since the refresh).


topic_name: Girlfriend and I bought a house, what should I do after we break up?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qtpuzu/girlfriend_and_i_bought_a_house_what_should_i_do/
collected_at: 2026-02-12T00:06:22.356684+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qtpuzu", "score": 592, "num_comments": 45, "created_utc": 1770022124.0, "selftext": "Location: California  \nAbout 10 years ago my girlfriend and I bought a house together. We were never married and we couldn't qualify for a traditional loan. Her parents are rich, real estate investors, so they essentially loaned us the cash for a foreclosure which we purchased from the bank with the intent on fixing it up, for about $300k. It was in very rough shape.    \nBoth she and I's names are on all the legal documents and it was purchased in our name.   \nHer mother set us up to pay a 20 ye", "sort": "top", "upvote_ratio": 0.91, "author": "DoradoPulido2"}

selftext:
Location: California  
About 10 years ago my girlfriend and I bought a house together. We were never married and we couldn't qualify for a traditional loan. Her parents are rich, real estate investors, so they essentially loaned us the cash for a foreclosure which we purchased from the bank with the intent on fixing it up, for about $300k. It was in very rough shape.    
Both she and I's names are on all the legal documents and it was purchased in our name.   
Her mother set us up to pay a 20 ye


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qrsdpz/lpt_if_you_get_admitted_to_the_hospital_have/
collected_at: 2026-02-12T00:06:28.286196+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT - If you get admitted to the hospital, have someone bring you your gaming system to hook up to the tv

metadata:
{"subreddit": "LifeProTips", "post_id": "1qrsdpz", "score": 0, "num_comments": 9, "created_utc": 1769833328.0, "selftext": "Jan. 2nd I had a spontaneous tension pneumothorax (surprise collapsed left lung that put pressure on my heart and restricted blood flow back into it) and spent 13 days in the hospital. \n\nHaving a gaming system was much more stimulating and distracting than getting worse watching cable tv. \n\nMy kids played with me when they visited, and I spent a lot of time laughing with them.", "sort": "hot", "upvote_ratio": 0.33, "author": "eldridgejames"}

selftext:
Jan. 2nd I had a spontaneous tension pneumothorax (surprise collapsed left lung that put pressure on my heart and restricted blood flow back into it) and spent 13 days in the hospital. 

Having a gaming system was much more stimulating and distracting than getting worse watching cable tv. 

My kids played with me when they visited, and I spent a lot of time laughing with them.


topic_name: Can't get loose fibers off of suede Madewell bag with suede brush. Any advice? Thanks!!!
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0986n/cant_get_loose_fibers_off_of_suede_madewell_bag/
collected_at: 2026-02-12T00:06:36.789818+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0986n", "score": 4, "num_comments": 4, "created_utc": 1770655476.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.6, "author": "TopEntertainer2748"}


topic_name: Not flashy but absolutely BIFL: Ironlace Unbreakable laces
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qo1ywu/not_flashy_but_absolutely_bifl_ironlace/
collected_at: 2026-02-12T00:06:40.492455+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qo1ywu", "score": 314, "num_comments": 47, "created_utc": 1769483104.0, "selftext": "I've had this pair of laces for 5 years so far after going through of pair a month or so. I'm a welder and have put these through the ringer. Outlived 3 pairs of redwings and they are currently on my new pair of whites. Their customer service is amazing. I reached out to let them know i was still using them and was super impressed and they warrantied thel no questions asked and sent a brand new pair at no cost. I cannot recommend these enough.", "sort": "top", "upvote_ratio": 0.97, "author": "N1ght3ch"}

selftext:
I've had this pair of laces for 5 years so far after going through of pair a month or so. I'm a welder and have put these through the ringer. Outlived 3 pairs of redwings and they are currently on my new pair of whites. Their customer service is amazing. I reached out to let them know i was still using them and was super impressed and they warrantied thel no questions asked and sent a brand new pair at no cost. I cannot recommend these enough.


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397320+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
Why do rocket engines sometimes fail or explode during testing, and what are the implications for space exploration?

metadata:
{"original_headline": "Yes, Rocket Lab is blowing up engines. No, it\u2019s not a big deal, CEO says. - Ars Technica", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Lindsey Vonn crashes in Olympic women's downhill at Milan Cortina 2026 | NBC Sports
source: youtube
region: US
url: https://youtube.com/watch?v=-ZCOGJW962M
collected_at: 2026-02-12T00:04:30.766148
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "-ZCOGJW962M", "channel": "NBC Sports", "category": "Sports", "category_id": 17, "views": "3788457", "view_count": 3788457, "likes": "12062", "published_at": "2026-02-08T15:21:41Z"}


topic_name: SIPPs lf s&amp;s lifetime Isa for retirement savings?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815060+00:00
autocomplete: []
selftext: Which is better. I know ideally both is good but what should i be putting the most in
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r242w1/sipps_lf_ss_lifetime_isa_for_retirement_savings/

metadata:
{"subreddit": "personalfinance", "post_id": "1r242w1", "score": 0, "num_comments": 5, "created_utc": 1770831849.0, "selftext": "Which is better. I know ideally both is good but what should i be putting the most in", "sort": "hot", "upvote_ratio": 0.33, "author": "VegetableRadiant8690"}


topic_name: Sanity Check: College Kid and Credit Cards
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qg96i5/sanity_check_college_kid_and_credit_cards/
collected_at: 2026-02-12T00:04:45.418336+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qg96i5", "score": 220, "num_comments": 127, "created_utc": 1768744517.0, "selftext": "I wanted to run this situation by you, the professionals.\n\nMy daughter is prelaw and is going into her senior year of college. She does not work, she is focused on her GPA and LSAT scores. Because she has no income I have deflected the credit cards attempts to sign her up. She\u2019s aware of this and is onboard. Am I taking the right approach in this? The only reason I have not talked with her about opening credit cards is because she has no real income. We have covered most other areas of personal ", "sort": "top", "upvote_ratio": 0.88, "author": "dinasway"}

selftext:
I wanted to run this situation by you, the professionals.

My daughter is prelaw and is going into her senior year of college. She does not work, she is focused on her GPA and LSAT scores. Because she has no income I have deflected the credit cards attempts to sign her up. She’s aware of this and is onboard. Am I taking the right approach in this? The only reason I have not talked with her about opening credit cards is because she has no real income. We have covered most other areas of personal 


topic_name: Loan reinstatement
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzf4ul/loan_reinstatement/
collected_at: 2026-02-12T00:04:50.635879+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzf4ul", "score": 3, "num_comments": 3, "created_utc": 1770572053.0, "selftext": "So me and this dealership unwinded a deal. I signed the reinstatement form for my loan, and they reversed the deal.\n\nHowever it\u2019s been one month since I\u2019ve signed the reinstatement for my trade in so I\u2019m assuming they haven\u2019t filed the paper work yet, anyone else been in this situation? I\u2019ve emailed them and they haven\u2019t gotten back to me ", "sort": "hot", "upvote_ratio": 1.0, "author": "WheyPr0tein"}

selftext:
So me and this dealership unwinded a deal. I signed the reinstatement form for my loan, and they reversed the deal.

However it’s been one month since I’ve signed the reinstatement for my trade in so I’m assuming they haven’t filed the paper work yet, anyone else been in this situation? I’ve emailed them and they haven’t gotten back to me 


topic_name: Money stress affects decision-making more than people admit
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r0qgfb/money_stress_affects_decisionmaking_more_than/
collected_at: 2026-02-12T00:04:59.457648+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r0qgfb", "score": 8, "num_comments": 9, "created_utc": 1770695840.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.66, "author": "LazyBudgetDad"}


topic_name: Update on the “Abandoned Apartment” Situation
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qtyv6g/update_on_the_abandoned_apartment_situation/
collected_at: 2026-02-12T00:05:03.489366+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qtyv6g", "score": 585, "num_comments": 18, "created_utc": 1770047840.0, "selftext": "Original post: https://www.reddit.com/r/povertyfinance/s/quUzNjJRwP\n\nSo first and foremost I\u2019d like to thank everyone that gave me useful information about 99.9% of you all that I took advice from were correct on how to handle the situation. So I delivered and recorded the process of me giving a notarized document stating I didn\u2019t abandon my apartment and told her I have an additional copy for documentation purposes while I was recording on video. She quickly gave an excuse on why that document ", "sort": "top", "upvote_ratio": 0.99, "author": "Aggravating_Split289"}

selftext:
Original post: https://www.reddit.com/r/povertyfinance/s/quUzNjJRwP

So first and foremost I’d like to thank everyone that gave me useful information about 99.9% of you all that I took advice from were correct on how to handle the situation. So I delivered and recorded the process of me giving a notarized document stating I didn’t abandon my apartment and told her I have an additional copy for documentation purposes while I was recording on video. She quickly gave an excuse on why that document 


topic_name: [NL] MT5Research.com is probably a scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r133mp/nl_mt5researchcom_is_probably_a_scam/
collected_at: 2026-02-12T00:05:08.886851+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r133mp", "score": 0, "num_comments": 15, "created_utc": 1770735773.0, "selftext": "I was just called on my mobile phone by a gentleman with a Dutch mobile number who told me he had been trying to reach me for two weeks because my opportunity to regain access to my account was expiring in two weeks. If I only completed my account information with my address details and uploaded a copy of my ID, my coins which I supposedly still had on an old MetaTrader (I think he said) account would be added to my account on their site and I could exchange and withdraw them.\n\nThis has all the ", "sort": "hot", "upvote_ratio": 0.45, "author": "CaptainChaos74"}

selftext:
I was just called on my mobile phone by a gentleman with a Dutch mobile number who told me he had been trying to reach me for two weeks because my opportunity to regain access to my account was expiring in two weeks. If I only completed my account information with my address details and uploaded a copy of my ID, my coins which I supposedly still had on an old MetaTrader (I think he said) account would be added to my account on their site and I could exchange and withdraw them.

This has all the 


topic_name: [Canada] guy needed gas money
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qyyx9g/canada_guy_needed_gas_money/
collected_at: 2026-02-12T00:05:12.359017+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qyyx9g", "score": 60, "num_comments": 43, "created_utc": 1770523614.0, "selftext": "so i was about to pull out of the parking lot of a shopping mall when the guy parked next to me motioned for me to roll my window down.   i did, and he asked where the dominos pizza was.   i said he was pretty far away from it, and i gave him basic directions to get there.   but then he asks where a gas station was - that i didn't know.   finally, he points at his flashy bracelet and says \"i lost my wallet\".    i recognized it for the scam it was, said \"whatever buddy, i can't help you\" and got ", "sort": "top", "upvote_ratio": 0.87, "author": "nyrB2"}

selftext:
so i was about to pull out of the parking lot of a shopping mall when the guy parked next to me motioned for me to roll my window down.   i did, and he asked where the dominos pizza was.   i said he was pretty far away from it, and i gave him basic directions to get there.   but then he asks where a gas station was - that i didn't know.   finally, he points at his flashy bracelet and says "i lost my wallet".    i recognized it for the scam it was, said "whatever buddy, i can't help you" and got 


topic_name: Apparently my samsung fridge has ads now...
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1ow6cpu/apparently_my_samsung_fridge_has_ads_now/
collected_at: 2026-02-12T00:05:17.889915+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1ow6cpu", "score": 67720, "num_comments": 7870, "created_utc": 1763053032.0, "selftext": "How would I disable this? Might just return it and get a normal one\n\nEdit: how to disable...for now. https://www.samsung.com/us/support/answer/ANS10007562/\n\nEDIT 2: Hello, I am the original poster of the carol AD image from a month ago. I am a male from America and my name is not Carol. The story about a Schizophrenic woman named carol was most likely inspired from the 3rd top comment on this post. Thanks!\n\ninspired Post?: https://www.reddit.com/r/LegalAdviceUK/comments/1pc7999/my_schizophrenic_", "sort": "hot", "upvote_ratio": 0.95, "author": "Shellnanigans"}

selftext:
How would I disable this? Might just return it and get a normal one

Edit: how to disable...for now. https://www.samsung.com/us/support/answer/ANS10007562/

EDIT 2: Hello, I am the original poster of the carol AD image from a month ago. I am a male from America and my name is not Carol. The story about a Schizophrenic woman named carol was most likely inspired from the 3rd top comment on this post. Thanks!

inspired Post?: https://www.reddit.com/r/LegalAdviceUK/comments/1pc7999/my_schizophrenic_


topic_name: “God has me at Bravenly for his glory not my own.”
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qu93fo/god_has_me_at_bravenly_for_his_glory_not_my_own/
collected_at: 2026-02-12T00:05:26.020637+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qu93fo", "score": 48, "num_comments": 18, "created_utc": 1770069495.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.96, "author": "Willing_Chemical1257"}


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qcrmcu/you_cant_sit_with_us_if_your_family_and_friends/
collected_at: 2026-02-12T00:05:30.135214+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
You can't sit with us! If your family and friends aren't willing to join your cult, or support your scam, then cut them out of your life.

metadata:
{"subreddit": "antiMLM", "post_id": "1qcrmcu", "score": 98, "num_comments": 32, "created_utc": 1768407682.0, "selftext": "", "sort": "top", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: Earthquake insurance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1h4e4/earthquake_insurance/
collected_at: 2026-02-12T00:05:44.256808+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1h4e4", "score": 1, "num_comments": 1, "created_utc": 1770766650.0, "selftext": "What exactly does it cover and is it worth it? \n\nCurious to hear other thoughts, located in Midwest ", "sort": "hot", "upvote_ratio": 1.0, "author": "bobbybaks123"}

selftext:
What exactly does it cover and is it worth it? 

Curious to hear other thoughts, located in Midwest 


topic_name: Is pet insurance actually worth it or just a waste of money?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qozevh/is_pet_insurance_actually_worth_it_or_just_a/
collected_at: 2026-02-12T00:05:47.658501+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qozevh", "score": 7, "num_comments": 54, "created_utc": 1769569119.0, "selftext": "I just adopted a dog a few months ago and now I\u2019m seeing all this stuff about pet insurance. I didn\u2019t even know that was a thing until recently. Do I really need it? Like, is it something that actually pays off or is it one of those things where you end up paying way more than you\u2019ll ever use? My dog is pretty healthy right now but I\u2019m lowkey worried about surprise vet bills or something expensive down the road. How do you guys decide if it\u2019s worth it?", "sort": "top", "upvote_ratio": 0.77, "author": "Broad_Clothes6854"}

selftext:
I just adopted a dog a few months ago and now I’m seeing all this stuff about pet insurance. I didn’t even know that was a thing until recently. Do I really need it? Like, is it something that actually pays off or is it one of those things where you end up paying way more than you’ll ever use? My dog is pretty healthy right now but I’m lowkey worried about surprise vet bills or something expensive down the road. How do you guys decide if it’s worth it?


topic_name: Google Meet directly tied to Calendar App
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1khy0re/google_meet_directly_tied_to_calendar_app/
collected_at: 2026-02-12T00:05:53.366466+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1khy0re", "score": 23, "num_comments": 1, "created_utc": 1746730397.0, "selftext": "I'm sure this isn't rare knowledge, but I just learned this today after it screwed me out of a job interview.\n\nSo basically, I registered for a job interview on Google Meet sent to me via my gmail account.  Because I have a Google phone, this automatically added this meeting to my calendar app on the phone.  However, there is more to this.  \n\nNormally, I make my own notifications on the calendar app on my phone, to keep them simple.  So when I saw this event get shoehorned onto my phone, I delet", "sort": "hot", "upvote_ratio": 0.88, "author": "Yam_Cheap"}

selftext:
I'm sure this isn't rare knowledge, but I just learned this today after it screwed me out of a job interview.

So basically, I registered for a job interview on Google Meet sent to me via my gmail account.  Because I have a Google phone, this automatically added this meeting to my calendar app on the phone.  However, there is more to this.  

Normally, I make my own notifications on the calendar app on my phone, to keep them simple.  So when I saw this event get shoehorned onto my phone, I delet


topic_name: What do you think about perfume clones for a frugal fragrance collection?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qw1cpy/what_do_you_think_about_perfume_clones_for_a/
collected_at: 2026-02-12T00:06:01.657075+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qw1cpy", "score": 42, "num_comments": 33, "created_utc": 1770240008.0, "selftext": "I have this friend who always smells insanely good, so the other day I asked what he wears and he told me he gets his perfume dupes from Kazaar Fragrances, a Swiss based dupe house. I didn't know about dupes until recently and apparently the dupe houses use decent materials and can get really close to expensive scents without paying a premium for the designer perfumes. I figured I\u2019d ask here as&amp;nbsp; this looks like a solid option for building a small collection without having to spend a for", "sort": "hot", "upvote_ratio": 0.8, "author": "Zestyclose_Sink_1062"}

selftext:
I have this friend who always smells insanely good, so the other day I asked what he wears and he told me he gets his perfume dupes from Kazaar Fragrances, a Swiss based dupe house. I didn't know about dupes until recently and apparently the dupe houses use decent materials and can get really close to expensive scents without paying a premium for the designer perfumes. I figured I’d ask here as&amp;nbsp; this looks like a solid option for building a small collection without having to spend a for


topic_name: $.67 per bowl lentil soup meal prep.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qgomlc/67_per_bowl_lentil_soup_meal_prep/
collected_at: 2026-02-12T00:06:05.044647+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qgomlc", "score": 207, "num_comments": 28, "created_utc": 1768781061.0, "selftext": "I have been making this frugal meal prep that comes out to about $.70 per serving using local Aldi prices. most of the produce lasts 2\u20133 batches, which brings the cost down more than I initially expected.\n\nBatch makes ~8 servings (large servings)\n\nIngredients &amp; Aldi pricing (Prices are what I pay locally)\n\nDry lentils (1 lb): $1.55 ... lasts 2 batches\nVegetable broth cubes (Knorr-style): $3.00 ... 2 cubes per batch, 3 batches per package.\nCelery (1 bunch): $1.39... lasts ~2\u20133 batches\nCarrots", "sort": "top", "upvote_ratio": 0.94, "author": "RoguePierogies"}

selftext:
I have been making this frugal meal prep that comes out to about $.70 per serving using local Aldi prices. most of the produce lasts 2–3 batches, which brings the cost down more than I initially expected.

Batch makes ~8 servings (large servings)

Ingredients &amp; Aldi pricing (Prices are what I pay locally)

Dry lentils (1 lb): $1.55 ... lasts 2 batches
Vegetable broth cubes (Knorr-style): $3.00 ... 2 cubes per batch, 3 batches per package.
Celery (1 bunch): $1.39... lasts ~2–3 batches
Carrots


topic_name: What Pre-paid cards work with Paypal?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1m5cd/what_prepaid_cards_work_with_paypal/
collected_at: 2026-02-12T00:06:10.588034+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1m5cd", "score": 3, "num_comments": 4, "created_utc": 1770779887.0, "selftext": "I am currently not able to get any sort of debit/credit card connected to a bank. But I have needs that must be paid digitally.  \n  \nI've bought Visa Vanilla and have noticed it doesn't work. Same for mastercard. I think I figured out that the card has to have a billing address to work, but what prepaid gift cards allow you to actually add billing info? I haven't been able to find it on the wbesite\n\nAny help appreciated.", "sort": "hot", "upvote_ratio": 0.8, "author": "YearOldSpoiledMilk1"}

selftext:
I am currently not able to get any sort of debit/credit card connected to a bank. But I have needs that must be paid digitally.  
  
I've bought Visa Vanilla and have noticed it doesn't work. Same for mastercard. I think I figured out that the card has to have a billing address to work, but what prepaid gift cards allow you to actually add billing info? I haven't been able to find it on the wbesite

Any help appreciated.


topic_name: Bilt 2.0 denied me even after having 1.0 for over a year and half
source: reddit
region: global
collected_at: 2026-02-12T00:06:13.782227+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1qfjnt0/bilt_20_denied_me_even_after_having_10_for_over_a/

metadata:
{"subreddit": "CreditCards", "post_id": "1qfjnt0", "score": 65, "num_comments": 44, "created_utc": 1768671888.0, "selftext": "I submitted my application for bilt blue card upon the announcement of the new bilt 2.0. I\u2019ve had the bilt 1.0 since July 2024. never had a problem, no late payments ever, 780 credit score. My application was flagged for manual review. A few days later I found out I was denied. I called BILT and they said they could not help me. According to the representative they do not have a reconsideration line, there\u2019s no way to contact cardless directly to inquire about further steps. I was told I could r", "sort": "top", "upvote_ratio": 0.88, "author": "Street_Bug8208"}

selftext:
I submitted my application for bilt blue card upon the announcement of the new bilt 2.0. I’ve had the bilt 1.0 since July 2024. never had a problem, no late payments ever, 780 credit score. My application was flagged for manual review. A few days later I found out I was denied. I called BILT and they said they could not help me. According to the representative they do not have a reconsideration line, there’s no way to contact cardless directly to inquire about further steps. I was told I could r


topic_name: Medical debt collector texting personal information
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r28lse/medical_debt_collector_texting_personal/
collected_at: 2026-02-12T00:06:18.921023+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r28lse", "score": 0, "num_comments": 0, "created_utc": 1770841662.0, "selftext": "Location: Florida\n\nI have a small amount of medical debt that I've quite honestly been neglecting. I've gotten many calls from debt collectors but recently I received a text message with an unprotected PDF that has my name, address, the original creditor, original date of service, and the amount due. I'm wondering if this is legal for them to send since I have never spoken to them and they have no actual confirmation that the number they have on file is valid. I've worked in the medical field an", "sort": "hot", "upvote_ratio": 0.5, "author": "Any-Explorer1483"}

selftext:
Location: Florida

I have a small amount of medical debt that I've quite honestly been neglecting. I've gotten many calls from debt collectors but recently I received a text message with an unprotected PDF that has my name, address, the original creditor, original date of service, and the amount due. I'm wondering if this is legal for them to send since I have never spoken to them and they have no actual confirmation that the number they have on file is valid. I've worked in the medical field an


topic_name: Is my employer allowed to change my pay after the work is already done
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356687+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qwro0p/is_my_employer_allowed_to_change_my_pay_after_the/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qwro0p", "score": 587, "num_comments": 34, "created_utc": 1770312728.0, "selftext": "Location: New York  \nI\u2019m trying to figure out if this is actually legal or just shady and I don\u2019t know where to start.\n\nI work hourly and my schedule sometimes changes week to week. Last pay period I picked up extra hours because we were short staffed. Nothing crazy, just staying late a few days. At the time I was told those hours would be paid at my normal rate.\n\nI checked my paycheck this week while I was sitting around playing on myprize and noticed the total was lower than I expected. I went", "sort": "top", "upvote_ratio": 0.96, "author": "Wetjones"}

selftext:
Location: New York  
I’m trying to figure out if this is actually legal or just shady and I don’t know where to start.

I work hourly and my schedule sometimes changes week to week. Last pay period I picked up extra hours because we were short staffed. Nothing crazy, just staying late a few days. At the time I was told those hours would be paid at my normal rate.

I checked my paycheck this week while I was sitting around playing on myprize and noticed the total was lower than I expected. I went


topic_name: LPT: When buying extension cords, check the wire gauge (AWG), not just the length
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qpxgos/lpt_when_buying_extension_cords_check_the_wire/
collected_at: 2026-02-12T00:06:28.286200+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qpxgos", "score": 371, "num_comments": 30, "created_utc": 1769657618.0, "selftext": "Many people only look at how long an extension cord is, but the wire gauge determines how much power it can safely handle. Thinner cables overheat faster, especially with heaters or power tools. A slightly thicker cord can last longer and reduce fire risk.\n\n| AWG | \u00d8 (mm) | Area (mm\u00b2) | Max Current (A)* | Max Length (ft)** |\n|-----|--------|------------|-----------------|-----------------|\n| 4   | 5.19   | 21.2       | 70\u201395           | 150\u2013200         |\n| 6   | 4.11   | 13.3       | 55\u201375      ", "sort": "hot", "upvote_ratio": 0.94, "author": "N1ck_Dev"}

selftext:
Many people only look at how long an extension cord is, but the wire gauge determines how much power it can safely handle. Thinner cables overheat faster, especially with heaters or power tools. A slightly thicker cord can last longer and reduce fire risk.

| AWG | Ø (mm) | Area (mm²) | Max Current (A)* | Max Length (ft)** |
|-----|--------|------------|-----------------|-----------------|
| 4   | 5.19   | 21.2       | 70–95           | 150–200         |
| 6   | 4.11   | 13.3       | 55–75      


topic_name: Portable water flosser after I just got braces? Phillips Sonicare or Waterpik?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r02o2j/portable_water_flosser_after_i_just_got_braces/
collected_at: 2026-02-12T00:06:36.789821+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r02o2j", "score": 11, "num_comments": 7, "created_utc": 1770639384.0, "selftext": "Just got braces put on a couple weeks before I go off to uni, and already I don't feel I have the time to manually floss, my dentist recommended a water flosser. Also fairly tight on funds but want something portable that will last.\n\nThe one I see recommended online is the\u00a0Waterpik Cordless advanced 2.0, but its pretty expensive and has a small tank.\n\nI've heard Phillips mentioned before, I have one of their electric toothbrushes. And their\u00a0Sonicare Cordless 3000\u00a0is on sale at 50%+ off in the gr", "sort": "hot", "upvote_ratio": 0.87, "author": "Richy_777"}

selftext:
Just got braces put on a couple weeks before I go off to uni, and already I don't feel I have the time to manually floss, my dentist recommended a water flosser. Also fairly tight on funds but want something portable that will last.

The one I see recommended online is the Waterpik Cordless advanced 2.0, but its pretty expensive and has a small tank.

I've heard Phillips mentioned before, I have one of their electric toothbrushes. And their Sonicare Cordless 3000 is on sale at 50%+ off in the gr


topic_name: Just bought a new cast iron pan from Lodge
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qpfe0l/just_bought_a_new_cast_iron_pan_from_lodge/
collected_at: 2026-02-12T00:06:40.492459+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qpfe0l", "score": 298, "num_comments": 112, "created_utc": 1769616218.0, "selftext": "Never thought I\u2019m gonna invest for a long term use kitchenware, but I think I made a mistake by buying the 12\u201d pan. Took me a long time to heat it and I use the induction cooker, or is it normal for this pan to take a long time to get hot? ", "sort": "top", "upvote_ratio": 0.83, "author": "cupcakestrawberi"}

selftext:
Never thought I’m gonna invest for a long term use kitchenware, but I think I made a mistake by buying the 12” pan. Took me a long time to heat it and I use the induction cooker, or is it normal for this pan to take a long time to get hot? 


topic_name: [21M] French IT Student - Targeting FIRE by 35. Inheritance + Canada Move Strategy. Need Advice.
source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000177+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qiv4sc/21m_french_it_student_targeting_fire_by_35/

metadata:
{"subreddit": "financialindependence", "post_id": "1qiv4sc", "score": 0, "num_comments": 10, "created_utc": 1768993882.0, "selftext": "Hello everyone,\n\nI\u2019ve been lurking here for a while and I love reading your stories. It has really made me question my own path. I\u2019ve realized that I want to pursue FIRE, but not at the cost of \"not living.\" I\u2019m not into extreme frugality; I just refuse the traditional \"study, 9-to-5, 25-year mortgage, retire at 67\" script.\n\nMy Background: I'm a 21-year-old Master's student in IT (currently in a sandwich course/apprenticeship). I live with my parents, have no debt, and I\u2019m a \"selective\" spender\u2014", "sort": "hot", "upvote_ratio": 0.44, "author": "NoHighlight5968"}

selftext:
Hello everyone,

I’ve been lurking here for a while and I love reading your stories. It has really made me question my own path. I’ve realized that I want to pursue FIRE, but not at the cost of "not living." I’m not into extreme frugality; I just refuse the traditional "study, 9-to-5, 25-year mortgage, retire at 67" script.

My Background: I'm a 21-year-old Master's student in IT (currently in a sandwich course/apprenticeship). I live with my parents, have no debt, and I’m a "selective" spender—


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397323+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the chemical flukes or rare events that can make a planet habitable, and how do scientists search for these conditions elsewhere in the universe?

metadata:
{"original_headline": "Life on Earth is lucky: A rare chemical fluke may have made our planet habitable - Space", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: W Sound 23 “5 Estrellas” - Myke Towers, Westcol, Ovy On The Drums
source: youtube
region: US
url: https://youtube.com/watch?v=3rg0p23brQ0
collected_at: 2026-02-12T00:04:30.653260
autocomplete: []
category: Music
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "3rg0p23brQ0", "channel": "W Sound", "category": "Music", "category_id": 10, "views": "3698760", "view_count": 3698760, "likes": "197472", "published_at": "2026-02-05T00:00:06Z"}


topic_name: Uncle has rapid onset of dementia - how can we find hidden credit cards?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815064+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r1airo/uncle_has_rapid_onset_of_dementia_how_can_we_find/

metadata:
{"subreddit": "personalfinance", "post_id": "1r1airo", "score": 60, "num_comments": 34, "created_utc": 1770751778.0, "selftext": "Hi! My uncle was financially independent until very recently - he has dementia and his memory and lucidity has gotten bad very quickly. Our family is trying to make sure we have a good handle on his finances and bills but he opened different credit cards in the last few years that no one knew about. We have already run his credit reports but found a bill recently that wasn't reported on there. Are there any other tools or advice that people have for this situation? Do we have to call every major", "sort": "hot", "upvote_ratio": 0.83, "author": "lyrawiggin"}

selftext:
Hi! My uncle was financially independent until very recently - he has dementia and his memory and lucidity has gotten bad very quickly. Our family is trying to make sure we have a good handle on his finances and bills but he opened different credit cards in the last few years that no one knew about. We have already run his credit reports but found a bill recently that wasn't reported on there. Are there any other tools or advice that people have for this situation? Do we have to call every major


source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418339+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Job has been paying me incorrectly since May 2025. Spoke with payroll and will be receiving backpay. Things to keep in mind?

url:
https://reddit.com/r/personalfinance/comments/1qbubhz/job_has_been_paying_me_incorrectly_since_may_2025/

metadata:
{"subreddit": "personalfinance", "post_id": "1qbubhz", "score": 216, "num_comments": 27, "created_utc": 1768318207.0, "selftext": "I started a new job in May of 2025 with an annual salary of $103,000. My checks should have been coming out to a gross pay of $3,961 and instead I've been receiving $3,169. We caught this over the weekend when my husband and I were reviewing our finances for the year. I spoke with payroll this morning and she confirmed the error. Their best guess is human error caused the numbers to get transposed. She said she would be sending me a breakdown of everything I'm owed by the end of the day. Tomorro", "sort": "top", "upvote_ratio": 0.9, "author": "coming_up_poppies"}

selftext:
I started a new job in May of 2025 with an annual salary of $103,000. My checks should have been coming out to a gross pay of $3,961 and instead I've been receiving $3,169. We caught this over the weekend when my husband and I were reviewing our finances for the year. I spoke with payroll this morning and she confirmed the error. Their best guess is human error caused the numbers to get transposed. She said she would be sending me a breakdown of everything I'm owed by the end of the day. Tomorro


topic_name: Opinions on the 2026 Tacoma SR5 4WD 4DR Deal
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzmkfe/opinions_on_the_2026_tacoma_sr5_4wd_4dr_deal/
collected_at: 2026-02-12T00:04:50.635884+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzmkfe", "score": 0, "num_comments": 4, "created_utc": 1770588789.0, "selftext": "Hey all, looking for a sanity check before I pull the trigger.\n\n**Vehicle:**\n\n* 2026 Toyota Tacoma TRD Sport\n* 4WD, Crew Cab, 5-ft bed\n* Color: Ice Cap\n* New (5 miles)\n\n**MSRP:** $44,162  \n**Selling price:** $39,500  \n**Rebate:** $500  \n\ud83d\udc49 **Discount from MSRP:** \\~$4,662 (\\~10.5%)\n\n**Fees / Taxes (Oregon registration):**\n\n* Registration fees: $439\n* Doc fee: $215\n* Taxes: $351\n* Total out-the-door cash price: **\\~$40,005**\n\n**Financing options (Toyota Financial):**\n\n* 48 months @ **2.99% APR** \u2192", "sort": "hot", "upvote_ratio": 0.5, "author": "NRS1"}

selftext:
Hey all, looking for a sanity check before I pull the trigger.

**Vehicle:**

* 2026 Toyota Tacoma TRD Sport
* 4WD, Crew Cab, 5-ft bed
* Color: Ice Cap
* New (5 miles)

**MSRP:** $44,162  
**Selling price:** $39,500  
**Rebate:** $500  
👉 **Discount from MSRP:** \~$4,662 (\~10.5%)

**Fees / Taxes (Oregon registration):**

* Registration fees: $439
* Doc fee: $215
* Taxes: $351
* Total out-the-door cash price: **\~$40,005**

**Financing options (Toyota Financial):**

* 48 months @ **2.99% APR** →


topic_name: Going back to dealer after walking away?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qtg9ce/going_back_to_dealer_after_walking_away/
collected_at: 2026-02-12T00:04:53.860470+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qtg9ce", "score": 10, "num_comments": 28, "created_utc": 1769993099.0, "selftext": "Probably loads of posts like this but, hmm, hard to explain but I\u2019ll try.\n\nFamily and I drove 8 hours took look at a car, Charger Scat pack, listed under 30k. Been after this model with this trim level with certain features(blind spot, sunroof). They came back with a bunch of typical used car dealership fees that put it 7 grand over the list price, which we did manage to get down over the course of 2 hours before they tried to sell us on replacing the brake pads and tires\u2026after they admitted the", "sort": "top", "upvote_ratio": 0.62, "author": "Best-Pomelo7533"}

selftext:
Probably loads of posts like this but, hmm, hard to explain but I’ll try.

Family and I drove 8 hours took look at a car, Charger Scat pack, listed under 30k. Been after this model with this trim level with certain features(blind spot, sunroof). They came back with a bunch of typical used car dealership fees that put it 7 grand over the list price, which we did manage to get down over the course of 2 hours before they tried to sell us on replacing the brake pads and tires…after they admitted the


topic_name: Monzo Investment Referral - £5, £10 or £20 for existing customers
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457651+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r1ntoi/monzo_investment_referral_5_10_or_20_for_existing/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1ntoi", "score": 0, "num_comments": 8, "created_utc": 1770784724.0, "selftext": "They\u2019re running an investments referral where you put \u00a31 into a Monzo investment account and get a bonus (mine was \u00a320, others I know got \u00a35\u2013\u00a320).\n\nTakes a few days to withdraw.\n\nReferral link:\n\n[https://monzo.com/-deeplinks/investments-referral?instance\\_params\\_id=qpka-nxun-tfzx](https://monzo.com/-deeplinks/investments-referral?instance_params_id=qpka-nxun-tfzx)\n\nIf not, no worries \u2013 just sharing my experience in case it helps.\n\nnon referral: [https://monzo.com/](https://monzo.com/)", "sort": "hot", "upvote_ratio": 0.1, "author": "twitch-sshotshock"}

selftext:
They’re running an investments referral where you put £1 into a Monzo investment account and get a bonus (mine was £20, others I know got £5–£20).

Takes a few days to withdraw.

Referral link:

[https://monzo.com/-deeplinks/investments-referral?instance\_params\_id=qpka-nxun-tfzx](https://monzo.com/-deeplinks/investments-referral?instance_params_id=qpka-nxun-tfzx)

If not, no worries – just sharing my experience in case it helps.

non referral: [https://monzo.com/](https://monzo.com/)


topic_name: End of my rope
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qqmsb4/end_of_my_rope/
collected_at: 2026-02-12T00:05:03.489370+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qqmsb4", "score": 548, "num_comments": 149, "created_utc": 1769724661.0, "selftext": "I\u2019ve been struggling so much, I have three jobs, I live with my parents so I don\u2019t much in Rent ($150) yet I barely have anything to eat and I can barely get to work with bus fare. I try and try and try to budget and save yet life just saps everything from me. My energy, my money, my happiness. People always asl me at work why I don\u2019t have a car but imagine to buy a car with a 521 credit score and 12 dollars in your account. \n\nI don\u2019t know what to do, no one full-time positions will ever hire me", "sort": "top", "upvote_ratio": 0.81, "author": "AlafairFTW"}

selftext:
I’ve been struggling so much, I have three jobs, I live with my parents so I don’t much in Rent ($150) yet I barely have anything to eat and I can barely get to work with bus fare. I try and try and try to budget and save yet life just saps everything from me. My energy, my money, my happiness. People always asl me at work why I don’t have a car but imagine to buy a car with a 521 credit score and 12 dollars in your account. 

I don’t know what to do, no one full-time positions will ever hire me


topic_name: {Canada} Beware of DJC Hub Insight app and Whatsapp group
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1c0xr/canada_beware_of_djc_hub_insight_app_and_whatsapp/
collected_at: 2026-02-12T00:05:08.886855+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1c0xr", "score": 0, "num_comments": 16, "created_utc": 1770755010.0, "selftext": "Wow. Scammers and AI are getting amazingly convincing. \n\nI was seeking trading software (ie questrade, etc) and this ad came across my FB. It invited me to a Whatsapp group with a 'Professor' and his 'assistant'.\n\nThe WA group chat had 87 participants at last count. They are talking real facts about market activities and trends. They encourage you to download an app 'DJC Hub'. They supposedly give away small prizes and $1,000 free trading money where you get to withdraw the gains. \n\nIt seems ver", "sort": "hot", "upvote_ratio": 0.33, "author": "talldark604guy"}

selftext:
Wow. Scammers and AI are getting amazingly convincing. 

I was seeking trading software (ie questrade, etc) and this ad came across my FB. It invited me to a Whatsapp group with a 'Professor' and his 'assistant'.

The WA group chat had 87 participants at last count. They are talking real facts about market activities and trends. They encourage you to download an app 'DJC Hub'. They supposedly give away small prizes and $1,000 free trading money where you get to withdraw the gains. 

It seems ver


topic_name: [US] Christian Mingle girl wants my brothers roommate to meet her in Kenya. Red flags here?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qglmva/us_christian_mingle_girl_wants_my_brothers/
collected_at: 2026-02-12T00:05:12.359021+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qglmva", "score": 58, "num_comments": 120, "created_utc": 1768773703.0, "selftext": "My brother\u2018s roommate has been talking to a girl on Christian mingle for a couple of months. My brother claims that he\u2019s also FaceTimed with her and she seems pretty legit. She wants the roommate to go out and visit her in Kenya now. My brother wants to come along. I\u2019m really worried about this. \n\nSure it\u2019s possible for people to meet overseas on dating apps and actually have a relationship, but this also just seems like a very common scam. \n\nApparently she hasn\u2019t asked for any money, but I\u2019m af", "sort": "top", "upvote_ratio": 0.81, "author": "SamadhiBear"}

selftext:
My brother‘s roommate has been talking to a girl on Christian mingle for a couple of months. My brother claims that he’s also FaceTimed with her and she seems pretty legit. She wants the roommate to go out and visit her in Kenya now. My brother wants to come along. I’m really worried about this. 

Sure it’s possible for people to meet overseas on dating apps and actually have a relationship, but this also just seems like a very common scam. 

Apparently she hasn’t asked for any money, but I’m af


topic_name: instagram changed it from a clearly visible "sponsored" to a barely noticeable "ad"
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1owpu4f/instagram_changed_it_from_a_clearly_visible/
collected_at: 2026-02-12T00:05:17.889919+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1owpu4f", "score": 305, "num_comments": 4, "created_utc": 1763104156.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "misterreeeeeee"}


topic_name: Found promo-tape from a defunct 1990s MLM "Celltech"
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qu9lsv/found_promotape_from_a_defunct_1990s_mlm_celltech/
collected_at: 2026-02-12T00:05:26.020641+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qu9lsv", "score": 27, "num_comments": 3, "created_utc": 1770070625.0, "selftext": "Figured this might be of interest here. Fascinating how some of the concepts and language remain the same over the decades - e.g. it creates homeostasis in your body, which gives you energy and vitality all the time and stops you from having to worry about paying for health care and doctors.   \n  \nThe sales language is over the top throughout the whole thing - it's kind of funny to watch, but also macabre, as I guess one of their customers/members died from consuming it. [https://quackwatch.org/", "sort": "hot", "upvote_ratio": 0.97, "author": "unorthodox_kungfu"}

selftext:
Figured this might be of interest here. Fascinating how some of the concepts and language remain the same over the decades - e.g. it creates homeostasis in your body, which gives you energy and vitality all the time and stops you from having to worry about paying for health care and doctors.   
  
The sales language is over the top throughout the whole thing - it's kind of funny to watch, but also macabre, as I guess one of their customers/members died from consuming it. [https://quackwatch.org/


topic_name: First accident
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1gn4y/first_accident/
collected_at: 2026-02-12T00:05:44.256811+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1gn4y", "score": 0, "num_comments": 3, "created_utc": 1770765500.0, "selftext": "Hello everyone i was involved in my first accident back in March of 2025. The accident occurred in las vegas and I was found at fault. With this being my first accident I i truly don't have much of an idea of whats going on in the background. My insurance agent has been as helpful as she can be and the lawyer representing me doesnt seem to want to give me any answers so im hoping to get some help here. So as stated I was involved in a accident in March pf 2025 its been a lengthy process that I t", "sort": "hot", "upvote_ratio": 0.5, "author": "thesadone54"}

selftext:
Hello everyone i was involved in my first accident back in March of 2025. The accident occurred in las vegas and I was found at fault. With this being my first accident I i truly don't have much of an idea of whats going on in the background. My insurance agent has been as helpful as she can be and the lawyer representing me doesnt seem to want to give me any answers so im hoping to get some help here. So as stated I was involved in a accident in March pf 2025 its been a lengthy process that I t


topic_name: Other party's insurance only offering to pay the shop directly.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qoidqp/other_partys_insurance_only_offering_to_pay_the/
collected_at: 2026-02-12T00:05:47.658505+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qoidqp", "score": 8, "num_comments": 50, "created_utc": 1769530836.0, "selftext": "My wife was rear-ended and the other person's insurance is covering the repairs. It is all cosmetic except for our rear automatic brake system which is damaged and offline. The car is completely paid off, so no leinholder and we are looking at just trading the car in anyway, so I asked if we could get an adjuster estimate for the repairs and have them send me a check. They said that either I bring it to their recommended shop and they will handle scheduling and payment directly, a shop of my cho", "sort": "top", "upvote_ratio": 0.72, "author": "InformalWarfare"}

selftext:
My wife was rear-ended and the other person's insurance is covering the repairs. It is all cosmetic except for our rear automatic brake system which is damaged and offline. The car is completely paid off, so no leinholder and we are looking at just trading the car in anyway, so I asked if we could get an adjuster estimate for the repairs and have them send me a check. They said that either I bring it to their recommended shop and they will handle scheduling and payment directly, a shop of my cho


topic_name: you can barely see it but it's around the bottom of the screens
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1kd71bi/you_can_barely_see_it_but_its_around_the_bottom/
collected_at: 2026-02-12T00:05:53.366470+00:00
autocomplete: []
selftext: if you still can't see it: "no thanks, i don't like saving time, and i hate you." like????
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1kd71bi", "score": 34, "num_comments": 6, "created_utc": 1746207704.0, "selftext": "if you still can't see it: \"no thanks, i don't like saving time, and i hate you.\" like????", "sort": "hot", "upvote_ratio": 0.95, "author": "Fun-Ad-2448"}


topic_name: How do I talk myself out of buying a $400 pair of sunglasses that I’ve been wanting for a while
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qx372f/how_do_i_talk_myself_out_of_buying_a_400_pair_of/
collected_at: 2026-02-12T00:06:01.657079+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qx372f", "score": 0, "num_comments": 67, "created_utc": 1770339066.0, "selftext": "My brain is hyper fixated on purchasing a pair of gentle monster sunglasses that are retailing for $400. Do I really need them? No, I could definitely live without it, but I just can\u2019t help myself to stop fixating or wanting them.\n\nI have a lot of expenses that I need to take care of monthly like my dogs special veterinary diet my phone bill, my car insurance and I also need to go to the dentist for a dental cleaning.\n\nI think buying the sunglasses will make me feel really good about myself ever", "sort": "hot", "upvote_ratio": 0.31, "author": "Imaginary-Bad-6379"}

selftext:
My brain is hyper fixated on purchasing a pair of gentle monster sunglasses that are retailing for $400. Do I really need them? No, I could definitely live without it, but I just can’t help myself to stop fixating or wanting them.

I have a lot of expenses that I need to take care of monthly like my dogs special veterinary diet my phone bill, my car insurance and I also need to go to the dentist for a dental cleaning.

I think buying the sunglasses will make me feel really good about myself ever


topic_name: Where are my beverage loving peeps at? What’re some ways to cut back on beverage expenses?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qbx5h5/where_are_my_beverage_loving_peeps_at_whatre_some/
collected_at: 2026-02-12T00:06:05.044651+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qbx5h5", "score": 205, "num_comments": 366, "created_utc": 1768324930.0, "selftext": "I recently saw a post asking how much people living alone spent on groceries per month and I was surprised to see how much lower a lot of people spent than me. I took a good hard look at my budget and realized that a decent chunk of my grocery budget was on drinks and beverages (almost all non-alcoholic)\n\nI loveeee beverages and drink a variety of them frequently including but not limited to coffee, tea, Diet Coke, bubbly, kombucha, milk, and redbull. I\u2019m pretty good at only buying items when th", "sort": "top", "upvote_ratio": 0.88, "author": "Educational_Fly_5804"}

selftext:
I recently saw a post asking how much people living alone spent on groceries per month and I was surprised to see how much lower a lot of people spent than me. I took a good hard look at my budget and realized that a decent chunk of my grocery budget was on drinks and beverages (almost all non-alcoholic)

I loveeee beverages and drink a variety of them frequently including but not limited to coffee, tea, Diet Coke, bubbly, kombucha, milk, and redbull. I’m pretty good at only buying items when th


topic_name: Card Suggestions for Groceries, Gas, and Subscriptions
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1joa4/card_suggestions_for_groceries_gas_and/
collected_at: 2026-02-12T00:06:10.588039+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1joa4", "score": 3, "num_comments": 7, "created_utc": 1770773219.0, "selftext": "CREDIT PROFILE\n\n  \n\n\\* Current credit cards you are the primary account holder of:\n\n   \\* Chase FU - 20k, 2017\n\n   \\* Apple Card - 2k, 2021\n\n\\* FICO scores with source: Experian: 780\n\n\\* Oldest credit card account age: 9 yrs\n\n\\* Cards approved in the past 6 months: 4\n\n\\* Annual income $: 130k\n\n\n\nCATEGORIES\n\n\n\n\\* Ok with category-specific cards?: Yes\n\n\\* Ok with rotating category cards?: No\n\n\\* Estimate average monthly spend in the categories below.\n\n   \\* Dining $: 400\n\n   \\* Groceries $: 200 - ", "sort": "hot", "upvote_ratio": 0.72, "author": "GoddamnitNoah"}

selftext:
CREDIT PROFILE

  

\* Current credit cards you are the primary account holder of:

   \* Chase FU - 20k, 2017

   \* Apple Card - 2k, 2021

\* FICO scores with source: Experian: 780

\* Oldest credit card account age: 9 yrs

\* Cards approved in the past 6 months: 4

\* Annual income $: 130k



CATEGORIES



\* Ok with category-specific cards?: Yes

\* Ok with rotating category cards?: No

\* Estimate average monthly spend in the categories below.

   \* Dining $: 400

   \* Groceries $: 200 - 


topic_name: A Valid Reason Why Earning in So Many Different Points Currencies Is Beneficial
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qxp26k/a_valid_reason_why_earning_in_so_many_different/
collected_at: 2026-02-12T00:06:13.782230+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qxp26k", "score": 63, "num_comments": 40, "created_utc": 1770401210.0, "selftext": "I currently have cards earning:\n\nWells Fargo Go Far Rewards, Citi Thank You Points, Chase UR, Amex MR, &amp; BILT\n\nI currently use whatever card nets me the most points to ensure I am getting the best redemption.\n\nThe reason I don't see a problem with this is that a lot of these have the same transfer partners, and you call pool points from your various programs.\n\nFor example. I just booked a DFW to JNB Business Class Flight on Qantas for 115,000 Asia Miles. It's 32 glorious hours in the A380. I", "sort": "top", "upvote_ratio": 0.92, "author": "Parking-Ice-9206"}

selftext:
I currently have cards earning:

Wells Fargo Go Far Rewards, Citi Thank You Points, Chase UR, Amex MR, &amp; BILT

I currently use whatever card nets me the most points to ensure I am getting the best redemption.

The reason I don't see a problem with this is that a lot of these have the same transfer partners, and you call pool points from your various programs.

For example. I just booked a DFW to JNB Business Class Flight on Qantas for 115,000 Asia Miles. It's 32 glorious hours in the A380. I


topic_name: How to keep my sister from stealing my cat
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r28lqg/how_to_keep_my_sister_from_stealing_my_cat/
collected_at: 2026-02-12T00:06:18.921026+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r28lqg", "score": 0, "num_comments": 0, "created_utc": 1770841660.0, "selftext": "Location: CA \n\nMy (F18) sister and our child hood pet recently moved in with me and my father from our (other) abusive father\u2019s house, after choosing to live with him after our parents divorce. She has been living with us since about September of last year. My father is disabled and I am the only one caring for him and the house on top of working. \n\nThe cat is our childhood pet, a 15 year old cat. The cat is having severe health issues and my sister has been severely neglecting her. While I am a", "sort": "hot", "upvote_ratio": 0.5, "author": "MeasurementAfter3425"}

selftext:
Location: CA 

My (F18) sister and our child hood pet recently moved in with me and my father from our (other) abusive father’s house, after choosing to live with him after our parents divorce. She has been living with us since about September of last year. My father is disabled and I am the only one caring for him and the house on top of working. 

The cat is our childhood pet, a 15 year old cat. The cat is having severe health issues and my sister has been severely neglecting her. While I am a


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qku0fr/person_said_an_old_gift_is_now_a_loan_and_wants/
collected_at: 2026-02-12T00:06:22.356691+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Person said an old gift is now a loan and wants repayment. Sends me more money (claims to be an accident) and demands more money.

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qku0fr", "score": 568, "num_comments": 44, "created_utc": 1769182564.0, "selftext": "Location: California\n\nAn old colleague gave me $1,000 a few years ago as a gift.  He was bragging how much money he was making.  I even had a friend as a witness.  He then experienced tough times and started demanding the money back saying it was a loan.  Zero documentation.  I ignored it. Ridiculous.\n\nOut of the blue, FIVE YEARS later, he sends me a Venmo request for loan repayment.  I\u2019m like the wtf and declined it.  He then Venmo\u2019d me $1,000.  What is going on?  He then Venmo\u2019s me two request", "sort": "top", "upvote_ratio": 0.91, "author": "FlatFootFreddie"}

selftext:
Location: California

An old colleague gave me $1,000 a few years ago as a gift.  He was bragging how much money he was making.  I even had a friend as a witness.  He then experienced tough times and started demanding the money back saying it was a loan.  Zero documentation.  I ignored it. Ridiculous.

Out of the blue, FIVE YEARS later, he sends me a Venmo request for loan repayment.  I’m like the wtf and declined it.  He then Venmo’d me $1,000.  What is going on?  He then Venmo’s me two request


topic_name: LPT: if you own a pet, keep a note on your phone of all the nearby emergency vets.
source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286204+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qq1e6x/lpt_if_you_own_a_pet_keep_a_note_on_your_phone_of/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qq1e6x", "score": 105, "num_comments": 15, "created_utc": 1769669375.0, "selftext": "For the last few years I\u2019ve kept a note on my iPhone with a list of emergency vets and urgent care vets in my area. It contains the name, phone, address, hours (if applicable), and any other information. \n\nI have a reminder every 6 months on my phone to update the list. \n\nMy cat just had what appeared to be a blood clot and instead of panicking trying to google search emergency vets and seeing a bunch of ai summaries and ads or sponsored results, I just opened my note and called the first vet on", "sort": "hot", "upvote_ratio": 0.92, "author": "compscilady"}

selftext:
For the last few years I’ve kept a note on my iPhone with a list of emergency vets and urgent care vets in my area. It contains the name, phone, address, hours (if applicable), and any other information. 

I have a reminder every 6 months on my phone to update the list. 

My cat just had what appeared to be a blood clot and instead of panicking trying to google search emergency vets and seeing a bunch of ai summaries and ads or sponsored results, I just opened my note and called the first vet on


topic_name: recommendations for mens food service shoes?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r0km3z/recommendations_for_mens_food_service_shoes/
collected_at: 2026-02-12T00:06:36.789825+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0km3z", "score": 0, "num_comments": 9, "created_utc": 1770680432.0, "selftext": "Hello! I'm trying to buy good shoes for my boyfriend. He has hyperhidrosis so it's important that the shoes are breathable and comfortable. We work at a small trendy restaraunt so something that is slip resistant and stylish would be nice. I might end up resorting to crocs if I can't find anything for him :'(. Please give me recommendations!", "sort": "hot", "upvote_ratio": 0.43, "author": "Anybody-Disastrous"}

selftext:
Hello! I'm trying to buy good shoes for my boyfriend. He has hyperhidrosis so it's important that the shoes are breathable and comfortable. We work at a small trendy restaraunt so something that is slip resistant and stylish would be nice. I might end up resorting to crocs if I can't find anything for him :'(. Please give me recommendations!


source: reddit
region: global
collected_at: 2026-02-12T00:06:40.492464+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
De Buyer frying pan. First time with carbon steel. Picture as stock, after 1 seasoning and 2 seasonings.

url:
https://reddit.com/r/BuyItForLife/comments/1qwrkqg/de_buyer_frying_pan_first_time_with_carbon_steel/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qwrkqg", "score": 297, "num_comments": 65, "created_utc": 1770312528.0, "selftext": "Pan made in France. Seasoning guide from Prudent Reviews on Youtube. Worked like a charm even for a newbie like myself. Now it's time to cook!", "sort": "top", "upvote_ratio": 0.96, "author": "klomz"}

selftext:
Pan made in France. Seasoning guide from Prudent Reviews on Youtube. Worked like a charm even for a newbie like myself. Now it's time to cook!


source: reddit
region: global
collected_at: 2026-02-12T00:06:47.000181+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
topic_name:
How close to to FI, and can we afford another property? Should I move money away from Brokerage account as we get closer to FIRE? So many questions.

url:
https://reddit.com/r/financialindependence/comments/1qi3l6s/how_close_to_to_fi_and_can_we_afford_another/

metadata:
{"subreddit": "financialindependence", "post_id": "1qi3l6s", "score": 6, "num_comments": 27, "created_utc": 1768921796.0, "selftext": "I think I am in the 'boring middle' of financial independence, and am looking for a bit of advice. Here are my financial basics:\n\nMe (37M) and wife (35F)  \nNet worth: 2.7M  \nRetirement Accounts: 800K  \nBrokerage Accounts: 900K  \nHYSA: 200K  \nReal Estate: 1.3M (750K Mortgage, 2.6%)  \nChildren's accounts: 220K ( I counted this towards net worth, but in reality probably shouldn't)\n\nOur monthly expenses are around $11,500 per month, but this will change in a couple years when the kids are out of day", "sort": "hot", "upvote_ratio": 0.57, "author": "cmk314"}

selftext:
I think I am in the 'boring middle' of financial independence, and am looking for a bit of advice. Here are my financial basics:

Me (37M) and wife (35F)  
Net worth: 2.7M  
Retirement Accounts: 800K  
Brokerage Accounts: 900K  
HYSA: 200K  
Real Estate: 1.3M (750K Mortgage, 2.6%)  
Children's accounts: 220K ( I counted this towards net worth, but in reality probably shouldn't)

Our monthly expenses are around $11,500 per month, but this will change in a couple years when the kids are out of day


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397326+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are lava tubes, and how do they form on planets like Venus, and what can they reveal about the planet's geology and potential habitability?

metadata:
{"original_headline": "Scientists Spot First Known Lava Tube on Venus - Gizmodo", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


source: youtube
region: US
url: https://youtube.com/watch?v=shzx9MPdV44
collected_at: 2026-02-12T00:04:30.406682
autocomplete: []
category: News & Politics
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "shzx9MPdV44", "channel": "Jimmy Kimmel Live", "category": "News & Politics", "category_id": 25, "views": "3680850", "view_count": 3680850, "likes": "132478", "published_at": "2026-02-11T04:45:03Z"}


topic_name: Rollover Question/Clarification
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r23t5g/rollover_questionclarification/
collected_at: 2026-02-12T00:04:41.815068+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r23t5g", "score": 1, "num_comments": 7, "created_utc": 1770831278.0, "selftext": "Hello! I've been reading this sub for a long time with great benefit and am now seeking some clarification on my next steps regarding rollovers. I set up a Roth IRA with Vanguard awhile back that is invested in VTIVX 2045 that I've been able to max out each year and am happily watching that grow. Until recently, this was my only account with Vanguard. Over the past few weeks, I decided to roll over two different 401Ks from past employers to Vanguard to keep things easy to track. \n\nAs of now, the", "sort": "hot", "upvote_ratio": 1.0, "author": "fullplateblues"}

selftext:
Hello! I've been reading this sub for a long time with great benefit and am now seeking some clarification on my next steps regarding rollovers. I set up a Roth IRA with Vanguard awhile back that is invested in VTIVX 2045 that I've been able to max out each year and am happily watching that grow. Until recently, this was my only account with Vanguard. Over the past few weeks, I decided to roll over two different 401Ks from past employers to Vanguard to keep things easy to track. 

As of now, the


topic_name: Student loan vs. being indebted to parents
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qms77z/student_loan_vs_being_indebted_to_parents/
collected_at: 2026-02-12T00:04:45.418343+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qms77z", "score": 216, "num_comments": 240, "created_utc": 1769368158.0, "selftext": "My parents have offered to pay for my college, where in turn I need to pay them back by covering for my brother's tuition.\n\nHe is 6 years younger than me, and I am an incoming freshman in college.\n\nWould it be more financially better to just take out a student loan for myself in college to avoid this? Or would paying for my brothers college without interest be better?\n\nFor context, I'd be an engineering grad by then. Also, my parents earn more than enough where we do not qualify for any need bas", "sort": "top", "upvote_ratio": 0.89, "author": "KittyNoir1"}

selftext:
My parents have offered to pay for my college, where in turn I need to pay them back by covering for my brother's tuition.

He is 6 years younger than me, and I am an incoming freshman in college.

Would it be more financially better to just take out a student loan for myself in college to avoid this? Or would paying for my brothers college without interest be better?

For context, I'd be an engineering grad by then. Also, my parents earn more than enough where we do not qualify for any need bas


topic_name: Extended warranty advice for 2023 X3 M40i (high-mileage driver)
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzl9fu/extended_warranty_advice_for_2023_x3_m40i/
collected_at: 2026-02-12T00:04:50.635887+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzl9fu", "score": 0, "num_comments": 14, "created_utc": 1770585711.0, "selftext": "Looking to purchase an extended warranty for my car.\n\n**Car details:**\n\n\\- 2023 BMW X3 M40i\n\n\\- In-service: Feb 2023\n\n\\- Current mileage: \\\\\\~26k\n\n\\- Driving \\\\\\~20k miles/year\n\n\\- Planning to keep 5ish years or so\n\nFactory warranty is 4yr/50k, so I\u2019ll hit miles well before time.\n\nI\u2019m comparing these options:\n\n**1) BMW Platinum In-Service (from Feb 2023)**\n\n**- BMW of Camarillo**\n\n\\- 7 yr / 100k total (so roughly another 4 years)\n\n\\- $4,030\u2013$4,570 depending on the deductible ($0 - $250)\n\n**2) BM", "sort": "hot", "upvote_ratio": 0.5, "author": "SportsNFoodJunkie"}

selftext:
Looking to purchase an extended warranty for my car.

**Car details:**

\- 2023 BMW X3 M40i

\- In-service: Feb 2023

\- Current mileage: \\\~26k

\- Driving \\\~20k miles/year

\- Planning to keep 5ish years or so

Factory warranty is 4yr/50k, so I’ll hit miles well before time.

I’m comparing these options:

**1) BMW Platinum In-Service (from Feb 2023)**

**- BMW of Camarillo**

\- 7 yr / 100k total (so roughly another 4 years)

\- $4,030–$4,570 depending on the deductible ($0 - $250)

**2) BM


topic_name: What’s a typical work schedule?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qnpj28/whats_a_typical_work_schedule/
collected_at: 2026-02-12T00:04:53.860474+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qnpj28", "score": 9, "num_comments": 13, "created_utc": 1769454441.0, "selftext": "Currently in B2B sales working 8:30-5:00 M-F. I\u2019m considering car sales (the leads COME TO YOU?? lol) as I actually like cars and I don\u2019t particularly care about what I\u2019m selling now, but I don\u2019t like the idea of 12 hour work days 6 days a week.", "sort": "top", "upvote_ratio": 1.0, "author": "g3nerallycurious"}

selftext:
Currently in B2B sales working 8:30-5:00 M-F. I’m considering car sales (the leads COME TO YOU?? lol) as I actually like cars and I don’t particularly care about what I’m selling now, but I don’t like the idea of 12 hour work days 6 days a week.


topic_name: Food bank
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r02o87/food_bank/
collected_at: 2026-02-12T00:04:59.457655+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r02o87", "score": 73, "num_comments": 44, "created_utc": 1770639397.0, "selftext": "I have two kids in the house me and my partner and I need to know how embarrassed I feel that I have to go to a food bank I am skint I have no money. I just don\u2019t know what to do for food I am sat in work typing this I work 40 hours a week and yeah how am I even in this position!!!! Partner is on maternity leave ", "sort": "hot", "upvote_ratio": 0.9, "author": "WhichExit2314"}

selftext:
I have two kids in the house me and my partner and I need to know how embarrassed I feel that I have to go to a food bank I am skint I have no money. I just don’t know what to do for food I am sat in work typing this I work 40 hours a week and yeah how am I even in this position!!!! Partner is on maternity leave 


topic_name: I still can't get over how $30 is considered "affordable" or even "cheap"
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1ql4ksy/i_still_cant_get_over_how_30_is_considered/
collected_at: 2026-02-12T00:05:03.489373+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1ql4ksy", "score": 536, "num_comments": 124, "created_utc": 1769206116.0, "selftext": "Just a little rant. I grew up poor but stable and had a very distorted view of money. I remember not being able to take music lessons in school because it would cost $80 to rent an instrument, so I thought \"If I can't have music lessons for $80, then $80 is a *lot* of money\". For me $100 may as well be $1000. \n\nUsually if something is under $30, I am more likely to consider purchasing it, it doesn't feel like a blow. But anything over $30 feels like an investment, I have to think about it, wheth", "sort": "top", "upvote_ratio": 0.94, "author": "QueenMackeral"}

selftext:
Just a little rant. I grew up poor but stable and had a very distorted view of money. I remember not being able to take music lessons in school because it would cost $80 to rent an instrument, so I thought "If I can't have music lessons for $80, then $80 is a *lot* of money". For me $100 may as well be $1000. 

Usually if something is under $30, I am more likely to consider purchasing it, it doesn't feel like a blow. But anything over $30 feels like an investment, I have to think about it, wheth


topic_name: Police department scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1d8es/police_department_scam/
collected_at: 2026-02-12T00:05:08.886859+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1d8es", "score": 0, "num_comments": 12, "created_utc": 1770757667.0, "selftext": "Hi my buddy called me scared with something he did, said he messaged an escort saying hello and heard nothing back. Then the next day he got a call from the police department of another city saying hello messaged a missing underage girl. The detective tried to get him to say he did something with the girl. He said we will issue you a warrant or you can come into the police station. Anyone heard of this. He called the same exact number and it did lead to the police station but they said they didn", "sort": "hot", "upvote_ratio": 0.38, "author": "AmbitiousConcept1"}

selftext:
Hi my buddy called me scared with something he did, said he messaged an escort saying hello and heard nothing back. Then the next day he got a call from the police department of another city saying hello messaged a missing underage girl. The detective tried to get him to say he did something with the girl. He said we will issue you a warrant or you can come into the police station. Anyone heard of this. He called the same exact number and it did lead to the police station but they said they didn


topic_name: [US] Tried to Scam My Employer
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qoe90b/us_tried_to_scam_my_employer/
collected_at: 2026-02-12T00:05:12.359024+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qoe90b", "score": 60, "num_comments": 25, "created_utc": 1769521550.0, "selftext": "My employer received an email from someone who used my first and last name as well as job title to request them to update the bank information for the next payroll. \n\nMy employer can\u2019t update this for me as I\u2019d have to go through the payroll portal to do so. \n\nTurns out it was a fake email. My employer totally fell for it thinking it was me because it didn\u2019t clearly show the email it came from unless you clicked into look. However they kept pushing her to try with different banking info . It was", "sort": "top", "upvote_ratio": 0.95, "author": "Express_Artichoke_80"}

selftext:
My employer received an email from someone who used my first and last name as well as job title to request them to update the bank information for the next payroll. 

My employer can’t update this for me as I’d have to go through the payroll portal to do so. 

Turns out it was a fake email. My employer totally fell for it thinking it was me because it didn’t clearly show the email it came from unless you clicked into look. However they kept pushing her to try with different banking info . It was


topic_name: Latest Switch 2 firmware update appears to be killing select third party docks
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1ov3m9r/latest_switch_2_firmware_update_appears_to_be/
collected_at: 2026-02-12T00:05:17.889922+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1ov3m9r", "score": 1962, "num_comments": 127, "created_utc": 1762949906.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.97, "author": "Tail_sb"}


topic_name: Found this Monat goober on a post asking about side hustles
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qtu4lo/found_this_monat_goober_on_a_post_asking_about/
collected_at: 2026-02-12T00:05:26.020645+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qtu4lo", "score": 162, "num_comments": 25, "created_utc": 1770036491.0, "selftext": "Clearly can't reason with these people, but hopefully no one else in the comments falls for the scheme. I could tell by her first comment that it was an MLM, so I went to her profile, and it was plastered with Monat BS. ", "sort": "hot", "upvote_ratio": 0.99, "author": "PainfullyLoyal"}

selftext:
Clearly can't reason with these people, but hopefully no one else in the comments falls for the scheme. I could tell by her first comment that it was an MLM, so I went to her profile, and it was plastered with Monat BS. 


topic_name: Extremely popular YouTuber makes anti-MLM video
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qfp2ci/extremely_popular_youtuber_makes_antimlm_video/
collected_at: 2026-02-12T00:05:30.135218+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qfp2ci", "score": 93, "num_comments": 9, "created_utc": 1768684489.0, "selftext": "", "sort": "top", "upvote_ratio": 0.92, "author": "doom6rchist"}


topic_name: Door dent from hell, underinsured
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1gdfb/door_dent_from_hell_underinsured/
collected_at: 2026-02-12T00:05:44.256815+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1gdfb", "score": 1, "num_comments": 2, "created_utc": 1770764850.0, "selftext": "hey just looking for advice. I backed into someone's door while I was driving a rental car with no added insurance. The rental car took no damage. The other person's car has a 6 inch by 2 inch dent in the door roughly. I didn't have added insurance cause I thought I had collision on my policy that covers rentals as well, but alas its an expensive mistake. I am fine with paying for the repairs and have been actively going to get estimates, they have ranged from 1300-4700$. He wants to go with the", "sort": "hot", "upvote_ratio": 1.0, "author": "neverforget1854"}

selftext:
hey just looking for advice. I backed into someone's door while I was driving a rental car with no added insurance. The rental car took no damage. The other person's car has a 6 inch by 2 inch dent in the door roughly. I didn't have added insurance cause I thought I had collision on my policy that covers rentals as well, but alas its an expensive mistake. I am fine with paying for the repairs and have been actively going to get estimates, they have ranged from 1300-4700$. He wants to go with the


topic_name: Is this an insurance scam?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qianrc/is_this_an_insurance_scam/
collected_at: 2026-02-12T00:05:47.658508+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qianrc", "score": 8, "num_comments": 33, "created_utc": 1768936903.0, "selftext": "I\u2019ve been receiving voicemails from an insurance company (a small one that gets poor reviews from policyholders) stating that my vehicle has been in an accident with one of their customers. They are using my full name, and are leaving their name, number, and a claim number, asking for a call back.\n\nI\u2019ve scoured my vehicle for any damage and can\u2019t find any. I have no recollection of an accident/fender bender/scrape or even a close call.\n\nI haven\u2019t answered or called back because the calls, when t", "sort": "top", "upvote_ratio": 0.71, "author": "loadstar81"}

selftext:
I’ve been receiving voicemails from an insurance company (a small one that gets poor reviews from policyholders) stating that my vehicle has been in an accident with one of their customers. They are using my full name, and are leaving their name, number, and a claim number, asking for a call back.

I’ve scoured my vehicle for any damage and can’t find any. I have no recollection of an accident/fender bender/scrape or even a close call.

I haven’t answered or called back because the calls, when t


topic_name: YouTube doesn't want you to see which tab is chosen
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366473+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1k9bhb6/youtube_doesnt_want_you_to_see_which_tab_is_chosen/

metadata:
{"subreddit": "darkpatterns", "post_id": "1k9bhb6", "score": 33, "num_comments": 8, "created_utc": 1745780170.0, "selftext": "Not sure whether it is malfunctioning, or they on purpose want to encourage you to stay to Home screen and watch suggested videos instead of subscription.\n\nCan you confirm this happening on your device?", "sort": "hot", "upvote_ratio": 0.79, "author": "lvil1"}

selftext:
Not sure whether it is malfunctioning, or they on purpose want to encourage you to stay to Home screen and watch suggested videos instead of subscription.

Can you confirm this happening on your device?


topic_name: groupon still worth using in 2025 or dead?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qwlnw1/groupon_still_worth_using_in_2025_or_dead/
collected_at: 2026-02-12T00:06:01.657083+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qwlnw1", "score": 0, "num_comments": 9, "created_utc": 1770299087.0, "selftext": "used groupon a lot back in 2015 but haven't used it in years. wondering if it's still good for deals or if everything moved to other apps.\n\ndo restaurants and services still offer good discounts on groupon or is it just sketchy businesses now? because i remember some deals being amazing and others being scams.\n\nalso stacking... can you use groupon deals with other coupons or promo codes or is it one discount only?\n\nrefund policy matters too. if business closes or doesn't honor groupon do you act", "sort": "hot", "upvote_ratio": 0.29, "author": "Jaded-Suggestion-827"}

selftext:
used groupon a lot back in 2015 but haven't used it in years. wondering if it's still good for deals or if everything moved to other apps.

do restaurants and services still offer good discounts on groupon or is it just sketchy businesses now? because i remember some deals being amazing and others being scams.

also stacking... can you use groupon deals with other coupons or promo codes or is it one discount only?

refund policy matters too. if business closes or doesn't honor groupon do you act


topic_name: How frugal is your first month going on?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qmbzdq/how_frugal_is_your_first_month_going_on/
collected_at: 2026-02-12T00:06:05.044655+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qmbzdq", "score": 205, "num_comments": 125, "created_utc": 1769323977.0, "selftext": "My first month (in 2026) is going good.\n\nMuch less dining out. (Mostly for my teenager kid - Chipotle, Boba, McDonalds) Cooking at home. No unnecessary shopping.\n\nStopped Amazon Prime, Walmart Plus.\n\nChanged Netflix to Basic with ads plan.\n\nI go to groceries every other week on my paycheck day. Trying to buy produce only.\n\nBuying less processed food.\n\nTracking my spending with app.  My spending bar is much lower than last month.\n\nMy other kid in college started working part time. That helped too", "sort": "top", "upvote_ratio": 0.94, "author": "No_Equivalent4404"}

selftext:
My first month (in 2026) is going good.

Much less dining out. (Mostly for my teenager kid - Chipotle, Boba, McDonalds) Cooking at home. No unnecessary shopping.

Stopped Amazon Prime, Walmart Plus.

Changed Netflix to Basic with ads plan.

I go to groceries every other week on my paycheck day. Trying to buy produce only.

Buying less processed food.

Tracking my spending with app.  My spending bar is much lower than last month.

My other kid in college started working part time. That helped too


topic_name: C1 quicksilver vs chase freedom rise
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1nrmq/c1_quicksilver_vs_chase_freedom_rise/
collected_at: 2026-02-12T00:06:10.588042+00:00
autocomplete: []
selftext: College student banking with Chase. Both with 0 annual fee. No previous credit or loan
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1nrmq", "score": 3, "num_comments": 8, "created_utc": 1770784551.0, "selftext": "College student banking with Chase. Both with 0 annual fee. No previous credit or loan ", "sort": "hot", "upvote_ratio": 0.71, "author": "AdSlight3909"}


topic_name: Why do airline/hotel branded cards often have uncompetitive points earn rates?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qsrxzz/why_do_airlinehotel_branded_cards_often_have/
collected_at: 2026-02-12T00:06:13.782234+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qsrxzz", "score": 64, "num_comments": 31, "created_utc": 1769930994.0, "selftext": "Most of them I\u2019ve seen seem to only be useful for benefits like free checked bags, but never as a primary spending card in the way that cards like the Sapphire Preferred, AmEx Gold, Venture X, etc. can be. The only exception I can think of is the Atmos Rewards Summit with multipliers like 3x dining and foreign transactions. Why is that? Shouldn\u2019t an airline or hotel branded card have good points earn rates relative to general travel cards, in exchange for locking your earnings to their airline o", "sort": "top", "upvote_ratio": 0.96, "author": "electronautix"}

selftext:
Most of them I’ve seen seem to only be useful for benefits like free checked bags, but never as a primary spending card in the way that cards like the Sapphire Preferred, AmEx Gold, Venture X, etc. can be. The only exception I can think of is the Atmos Rewards Summit with multipliers like 3x dining and foreign transactions. Why is that? Shouldn’t an airline or hotel branded card have good points earn rates relative to general travel cards, in exchange for locking your earnings to their airline o


topic_name: Is second cousin marriage illegal in Nevada and Kentucky?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r28j64/is_second_cousin_marriage_illegal_in_nevada_and/
collected_at: 2026-02-12T00:06:18.921031+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r28j64", "score": 0, "num_comments": 2, "created_utc": 1770841508.0, "selftext": "I\u2019m a Wikipedia editor working on the article for cousin marriage. This article listed second cousin marriage as being illegal in Nevada and Kentucky, but when I read the actual legal codes for these states, I saw that they both say something along the lines of \u201canyone MORE closely related than second cousins can\u2019t get married\u201d, which seems to imply second cousins are fair game.\n\nDoes anyone know what the actual precedent is in these places? A court case or something as a source would be great.\n", "sort": "hot", "upvote_ratio": 0.5, "author": "Optimal_Welcome_2253"}

selftext:
I’m a Wikipedia editor working on the article for cousin marriage. This article listed second cousin marriage as being illegal in Nevada and Kentucky, but when I read the actual legal codes for these states, I saw that they both say something along the lines of “anyone MORE closely related than second cousins can’t get married”, which seems to imply second cousins are fair game.

Does anyone know what the actual precedent is in these places? A court case or something as a source would be great.


topic_name: Wife put on performance leave at work 6 months pregnant.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1quhuwq/wife_put_on_performance_leave_at_work_6_months/
collected_at: 2026-02-12T00:06:22.356695+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1quhuwq", "score": 548, "num_comments": 69, "created_utc": 1770091693.0, "selftext": "Location: Minnesota\n\nMy wife works in HR/Recruiting for a medium sized manufacturing company where she\u2019s been for a little bit over 2 years. She is 6 months pregnant with our first child and she disclosed this to her manager, team, and various co-workers in late October-early November. She hasn\u2019t formally applied for any sort of maternity leave or PFMLA and hasn\u2019t talked with her manager much on the pregnancy subject besides about upcoming appointments, etc. For doctor\u2019s appointments, her manage", "sort": "top", "upvote_ratio": 0.91, "author": "TilValhal"}

selftext:
Location: Minnesota

My wife works in HR/Recruiting for a medium sized manufacturing company where she’s been for a little bit over 2 years. She is 6 months pregnant with our first child and she disclosed this to her manager, team, and various co-workers in late October-early November. She hasn’t formally applied for any sort of maternity leave or PFMLA and hasn’t talked with her manager much on the pregnancy subject besides about upcoming appointments, etc. For doctor’s appointments, her manage


topic_name: LPT: Wet your hand when catching a mosquito with your hands
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qprafn/lpt_wet_your_hand_when_catching_a_mosquito_with/
collected_at: 2026-02-12T00:06:28.286207+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qprafn", "score": 295, "num_comments": 23, "created_utc": 1769641893.0, "selftext": "The water makes them stick to your hand if you even briefly touch them and stops them escaping. You can dip your fingers in a glass of water then rub on your hands as a ready source.", "sort": "hot", "upvote_ratio": 0.91, "author": "swort-elber"}

selftext:
The water makes them stick to your hand if you even briefly touch them and stops them escaping. You can dip your fingers in a glass of water then rub on your hands as a ready source.


topic_name: THICK sweatshirts/T-shirts?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qzqiv4/thick_sweatshirtstshirts/
collected_at: 2026-02-12T00:06:36.789828+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzqiv4", "score": 58, "num_comments": 82, "created_utc": 1770599491.0, "selftext": "Every store nowadays seems to have terribly thin fabric that feels weightless and doesn\u2019t insulate at all. As someone that gets cold very easily, is there any brand, vintage or not, that consistently sells heavyweight products? Even better if there\u2019s graphic design on them. ", "sort": "hot", "upvote_ratio": 0.95, "author": "rixin_sol"}

selftext:
Every store nowadays seems to have terribly thin fabric that feels weightless and doesn’t insulate at all. As someone that gets cold very easily, is there any brand, vintage or not, that consistently sells heavyweight products? Even better if there’s graphic design on them. 


topic_name: 15oz Hammer Made inUSA 10? Years ago.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qd7olr/15oz_hammer_made_inusa_10_years_ago/
collected_at: 2026-02-12T00:06:40.492468+00:00
autocomplete: []
selftext: Love it
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qd7olr", "score": 293, "num_comments": 66, "created_utc": 1768445229.0, "selftext": "Love it \n", "sort": "top", "upvote_ratio": 0.93, "author": "Obvious-Swimming-332"}


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397328+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the unique properties of spider silk that make it stronger than steel, and how can scientists apply this knowledge to develop new materials?

metadata:
{"original_headline": "Spider Silk Is Stronger Than Steel and Now We Know Why - SciTechDaily", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Is this $50 64gb RAM kit a scam?? #carterpcs #tech #ram
source: youtube
region: US
url: https://youtube.com/watch?v=ozOnuvSYp2I
collected_at: 2026-02-12T00:04:31.071981
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "ozOnuvSYp2I", "channel": "CarterPCs", "category": "Science & Technology", "category_id": 28, "views": "3595557", "view_count": 3595557, "likes": "172240", "published_at": "2026-02-08T00:01:12Z"}


topic_name: Should I start doing my own taxes this year?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r23nfu/should_i_start_doing_my_own_taxes_this_year/
collected_at: 2026-02-12T00:04:41.815072+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r23nfu", "score": 0, "num_comments": 8, "created_utc": 1770830945.0, "selftext": "Wife and I both have a W2. Wife and I both have separate businesses on the side. Vacation planning and candle making. Each has an LLC. My wife also has a small 1099 for coaching gymnastics. We track expenses ourselves.\n\nI\u2019ve gotten so used to just uploading my documents to the CPA and then doing nothing, but this year I feel like I need to reconsider as we are doing our best Dave Ramsey impression and saving $750 would be great.\n\nFrom what I understand, free tax USA should work for us? I don\u2019t b", "sort": "hot", "upvote_ratio": 0.5, "author": "MaintenanceNeither59"}

selftext:
Wife and I both have a W2. Wife and I both have separate businesses on the side. Vacation planning and candle making. Each has an LLC. My wife also has a small 1099 for coaching gymnastics. We track expenses ourselves.

I’ve gotten so used to just uploading my documents to the CPA and then doing nothing, but this year I feel like I need to reconsider as we are doing our best Dave Ramsey impression and saving $750 would be great.

From what I understand, free tax USA should work for us? I don’t b


topic_name: 31 and feeling behind financially
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qnpe94/31_and_feeling_behind_financially/
collected_at: 2026-02-12T00:04:45.418347+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qnpe94", "score": 208, "num_comments": 139, "created_utc": 1769454173.0, "selftext": "I am 31f. I make about 35k a year working for a small company. My benefits are 2 weeks sick leave, 2 weeks PTO. I make $17/hr.\n\nI have a small emergency fund. I don't have anything in a retirement and now I don't have any health insurance (I had a plan through marketplace, but it went from $0/month to $600/month, which I can't afford so I cancelled it).\n\nAny advice? I love my job and the field I work in, although it's a bit limited (there are only 2 companies in this whole county that do this). ", "sort": "top", "upvote_ratio": 0.87, "author": "BeneficialBrain1764"}

selftext:
I am 31f. I make about 35k a year working for a small company. My benefits are 2 weeks sick leave, 2 weeks PTO. I make $17/hr.

I have a small emergency fund. I don't have anything in a retirement and now I don't have any health insurance (I had a plan through marketplace, but it went from $0/month to $600/month, which I can't afford so I cancelled it).

Any advice? I love my job and the field I work in, although it's a bit limited (there are only 2 companies in this whole county that do this). 


topic_name: SUCKERS 1999Great movie about car sales
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qz2d2h/suckers_1999great_movie_about_car_sales/
collected_at: 2026-02-12T00:04:50.635891+00:00
autocomplete: []
selftext: https://streamex.net/watch/movie/29120?server=streamx
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qz2d2h", "score": 14, "num_comments": 3, "created_utc": 1770534718.0, "selftext": "https://streamex.net/watch/movie/29120?server=streamx ", "sort": "hot", "upvote_ratio": 0.89, "author": "theVERYdisputedChamp"}


topic_name: I need help buying a new car
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qni9z2/i_need_help_buying_a_new_car/
collected_at: 2026-02-12T00:04:53.860478+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qni9z2", "score": 9, "num_comments": 47, "created_utc": 1769439512.0, "selftext": "I recently totalled my 2020 Toyota Corolla. My parents want to get me a car with the \u201cultimate safety features\u201d. \ud83e\udee9\ud83d\ude11\n\nThey thought I\u2019d be open to a Tesla, despite my whole family hating him. They are about as crash safe as a shopping cart. They want something with automatic driving. I just really want something that will get me from point a to point b. Any suggestions with automatic driving features that are not Teslas?", "sort": "top", "upvote_ratio": 0.68, "author": "Mattaf2"}

selftext:
I recently totalled my 2020 Toyota Corolla. My parents want to get me a car with the “ultimate safety features”. 🫩😑

They thought I’d be open to a Tesla, despite my whole family hating him. They are about as crash safe as a shopping cart. They want something with automatic driving. I just really want something that will get me from point a to point b. Any suggestions with automatic driving features that are not Teslas?


source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457658+00:00
autocomplete: []
selftext: Full time widowed mum in debt
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
I’m in debt, tried everything to get out of it, I even tried finding a sugar daddy I’m a widowed mum If anyone has an idea how I can get out of this let me know I’ve had debt collectors around many times, I just don’t know what to do.if anyone would like to help that would be appreciated

url:
https://reddit.com/r/povertyfinance/comments/1r1kd5k/im_in_debt_tried_everything_to_get_out_of_it_i/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1kd5k", "score": 0, "num_comments": 5, "created_utc": 1770775111.0, "selftext": "Full time widowed mum in debt", "sort": "hot", "upvote_ratio": 0.11, "author": "Similar_Strategy_941"}


topic_name: I come from long line of “takers” — now I’m the one paying the price.
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489377+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qfqruv/i_come_from_long_line_of_takers_now_im_the_one/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qfqruv", "score": 533, "num_comments": 77, "created_utc": 1768688667.0, "selftext": "I\u2019m realizing I come from three generations of single mothers who survived by draining their kids dry, and I\u2019m the one stuck holding the bill for all of it.\n\nMy grandma had to move away from her sister that was raising her just to find work that would let her raise my mom and still send money back home. Instead of breaking the cycle, she passed the burden down. She got my mom a government job right out of high school \u2014 not to help her build a future, but so she could take out loans in my mom\u2019s n", "sort": "top", "upvote_ratio": 0.96, "author": "Accurate-Seesaw1523"}

selftext:
I’m realizing I come from three generations of single mothers who survived by draining their kids dry, and I’m the one stuck holding the bill for all of it.

My grandma had to move away from her sister that was raising her just to find work that would let her raise my mom and still send money back home. Instead of breaking the cycle, she passed the burden down. She got my mom a government job right out of high school — not to help her build a future, but so she could take out loans in my mom’s n


source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r07e0g/us_can_scammers_fake_those_short_code_5_digit/
collected_at: 2026-02-12T00:05:08.886863+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
topic_name:
[US] Can scammers fake those short code 5 digit phone numbers to send fake verification code request with links?

metadata:
{"subreddit": "Scams", "post_id": "1r07e0g", "score": 54, "num_comments": 52, "created_utc": 1770651426.0, "selftext": "So I got a verification code about my Amazon account and it came from one of those 5 digit short code phone numbers not a normal phone number. It also contain a link saying you can deny by clicking here. I did not click anything. Instead I went to my amazon account and logged out and then I logged back in and the verification code that was sent to me looked completely different then other text messages. The real one that I got right after logging back in said something like   \n  \n\"000000 is your", "sort": "hot", "upvote_ratio": 0.92, "author": "theartsygamer89"}

selftext:
So I got a verification code about my Amazon account and it came from one of those 5 digit short code phone numbers not a normal phone number. It also contain a link saying you can deny by clicking here. I did not click anything. Instead I went to my amazon account and logged out and then I logged back in and the verification code that was sent to me looked completely different then other text messages. The real one that I got right after logging back in said something like   
  
"000000 is your


topic_name: Medical Billing Scam [US]
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qs547o/medical_billing_scam_us/
collected_at: 2026-02-12T00:05:12.359028+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qs547o", "score": 57, "num_comments": 16, "created_utc": 1769872971.0, "selftext": "So I recently got a phone call on my personal cell phone. M\u2019man stated that he was \u2018Joe\u2019 on a \u2018recorded line\u2019 and was calling me about my outstanding bill for &lt;unclear&gt;. He needed me to \u2018authenticate\u2019 by providing the last four of my SSN, my address including ZIP, and my full name.\n\nI asked him for his full name, his employee ID, the name and address of the company he was calling from, exactly what procedure this is about because what he said was not clear, and when and where this procedur", "sort": "top", "upvote_ratio": 0.95, "author": "SiberianKitty99"}

selftext:
So I recently got a phone call on my personal cell phone. M’man stated that he was ‘Joe’ on a ‘recorded line’ and was calling me about my outstanding bill for &lt;unclear&gt;. He needed me to ‘authenticate’ by providing the last four of my SSN, my address including ZIP, and my full name.

I asked him for his full name, his employee ID, the name and address of the company he was calling from, exactly what procedure this is about because what he said was not clear, and when and where this procedur


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889925+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
YouTube TV lost access to Disney/ESPN, so they are offering a $20 bill credit. You have to click a link in an email to get it.

url:
https://reddit.com/r/assholedesign/comments/1ouq5ba/youtube_tv_lost_access_to_disneyespn_so_they_are/

metadata:
{"subreddit": "assholedesign", "post_id": "1ouq5ba", "score": 1799, "num_comments": 82, "created_utc": 1762906235.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.94, "author": "zip117"}


topic_name: Hun, if you didn't lie you wouldn't have to remember what lies you've told.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qtvg3l/hun_if_you_didnt_lie_you_wouldnt_have_to_remember/
collected_at: 2026-02-12T00:05:26.020649+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qtvg3l", "score": 101, "num_comments": 32, "created_utc": 1770039955.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: Help me get out!
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qhjsho/help_me_get_out/
collected_at: 2026-02-12T00:05:30.135222+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qhjsho", "score": 89, "num_comments": 93, "created_utc": 1768863702.0, "selftext": "I got tricked into being part of a MLM. I\u2019m at a very vulnerable part in my life with being a single mom and transitioning out of the military. I was looking for a part-time low pay Job to help bring in money to build more of an emergency fund. A few people reach out about Monet. They are on me constantly to market, even as I am currently sick at home with my sick nine month old baby. They also said they wouldn\u2019t have me go to my family but they\u2019ve been trying to get me to market to them too. Ho", "sort": "top", "upvote_ratio": 0.89, "author": "Standfortheflag2024"}

selftext:
I got tricked into being part of a MLM. I’m at a very vulnerable part in my life with being a single mom and transitioning out of the military. I was looking for a part-time low pay Job to help bring in money to build more of an emergency fund. A few people reach out about Monet. They are on me constantly to market, even as I am currently sick at home with my sick nine month old baby. They also said they wouldn’t have me go to my family but they’ve been trying to get me to market to them too. Ho


topic_name: Starting an Independent FE Agency — IMO &amp; Lead Recommendations?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1g9pw/starting_an_independent_fe_agency_imo_lead/
collected_at: 2026-02-12T00:05:44.256819+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1g9pw", "score": 1, "num_comments": 0, "created_utc": 1770764611.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Ryan_oneill99"}


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qdjm42/when_you_buy_a_new_car_then_add_it_to_your/
collected_at: 2026-02-12T00:05:47.658512+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
When you buy a new car, then add it to your instance before driving from dealership, is it covered right away.

metadata:
{"subreddit": "Insurance", "post_id": "1qdjm42", "score": 7, "num_comments": 45, "created_utc": 1768483988.0, "selftext": "The reason I'm asking is because I thought insurance usually  kicks in the following day or after midnight but I see people buying cars and driving them home right away. ", "sort": "top", "upvote_ratio": 0.74, "author": "Tipsy247"}

selftext:
The reason I'm asking is because I thought insurance usually  kicks in the following day or after midnight but I see people buying cars and driving them home right away. 


topic_name: Duolingo trial transitions to paid subscription without warning.
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1k7g37r/duolingo_trial_transitions_to_paid_subscription/
collected_at: 2026-02-12T00:05:53.366476+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1k7g37r", "score": 12, "num_comments": 3, "created_utc": 1745570572.0, "selftext": "This showcases a deceptive pattern of making false claims to remind the user when the trial ends ( they promise a 2-day heads up ), but they don't notify the user of anything.", "sort": "hot", "upvote_ratio": 0.77, "author": "[deleted]"}

selftext:
This showcases a deceptive pattern of making false claims to remind the user when the trial ends ( they promise a 2-day heads up ), but they don't notify the user of anything.


topic_name: Shelf stable meals that I can toss in a locker
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qvi4ic/shelf_stable_meals_that_i_can_toss_in_a_locker/
collected_at: 2026-02-12T00:06:01.657087+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qvi4ic", "score": 18, "num_comments": 40, "created_utc": 1770190043.0, "selftext": "I need some advice as a broke university student. I commute to class and I can't really head home inbetween. Because of this I have to pack food, but there's some days where i forget to bring anything, which leads to me purchasing a meal or two. I'm considering a campus locker for $10 (rented till the semester ends) and hitting up walmart to leave some meals in there for whenever I need it. What would be some good shelf stable meals that I can leave in my locker? Of course I don't have to get th", "sort": "hot", "upvote_ratio": 0.82, "author": "Historical_Form_7533"}

selftext:
I need some advice as a broke university student. I commute to class and I can't really head home inbetween. Because of this I have to pack food, but there's some days where i forget to bring anything, which leads to me purchasing a meal or two. I'm considering a campus locker for $10 (rented till the semester ends) and hitting up walmart to leave some meals in there for whenever I need it. What would be some good shelf stable meals that I can leave in my locker? Of course I don't have to get th


topic_name: Personal = Savor, Venture X should I go Spark Miles 2x for business ??
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1nclw/personal_savor_venture_x_should_i_go_spark_miles/
collected_at: 2026-02-12T00:06:10.588046+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1nclw", "score": 2, "num_comments": 9, "created_utc": 1770783306.0, "selftext": "Keeping it simple and staying in one ecosystem.\n\n**Personal setup:**\n\n* **Savor = Apple Pay** (food + fun + streaming)\n* **Venture X = everything else** (gas, shopping, bills, travel, etc.)\n\n**Spend:**\n\n* \\~$8k/mo personal\n* \\~$10\u201312k/mo business (mostly Meta ads/leads + VA)\n\n**Business question:**  \nShould I go with **Capital One Spark Miles (2X)** as my business card to keep miles consolidated, or is there a better miles-focused business card I should consider (not Chase/Amex)?\n\nAny downsides ", "sort": "hot", "upvote_ratio": 1.0, "author": "NarticoG"}

selftext:
Keeping it simple and staying in one ecosystem.

**Personal setup:**

* **Savor = Apple Pay** (food + fun + streaming)
* **Venture X = everything else** (gas, shopping, bills, travel, etc.)

**Spend:**

* \~$8k/mo personal
* \~$10–12k/mo business (mostly Meta ads/leads + VA)

**Business question:**  
Should I go with **Capital One Spark Miles (2X)** as my business card to keep miles consolidated, or is there a better miles-focused business card I should consider (not Chase/Amex)?

Any downsides 


topic_name: Alternatives to AMEX Gold?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qs5erc/alternatives_to_amex_gold/
collected_at: 2026-02-12T00:06:13.782238+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qs5erc", "score": 65, "num_comments": 82, "created_utc": 1769873654.0, "selftext": "Long time AMEX Gold user and feel as if the yearly fee (now $325) keeps increasing, and my points keep decreasing in value (65 cents on the dollar for travel through AMEX Travel).\n\nI like the 4x on dining &amp; groceries, the customer service, and the \u201cunlimited spending/no limit\u201d.  Only perk that I use is the $10/mo in uber.\n\nI spend anywhere from $2,000-$10,000/mo and pay off in full every month.  Charge cards don\u2019t scare me, not looking to carry a balance.\n\nIt just doesn\u2019t feel worth the sque", "sort": "top", "upvote_ratio": 0.89, "author": "iamcuriousmarley"}

selftext:
Long time AMEX Gold user and feel as if the yearly fee (now $325) keeps increasing, and my points keep decreasing in value (65 cents on the dollar for travel through AMEX Travel).

I like the 4x on dining &amp; groceries, the customer service, and the “unlimited spending/no limit”.  Only perk that I use is the $10/mo in uber.

I spend anywhere from $2,000-$10,000/mo and pay off in full every month.  Charge cards don’t scare me, not looking to carry a balance.

It just doesn’t feel worth the sque


topic_name: What is a COI and how do I get one?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r28haw/what_is_a_coi_and_how_do_i_get_one/
collected_at: 2026-02-12T00:06:18.921035+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r28haw", "score": 1, "num_comments": 4, "created_utc": 1770841389.0, "selftext": "I have a videography gig to record footage in a few days; this will be my first time freelancing. The leader of the project told me the venue has strict COI requirements and sent over a document. The document says \"The COI certificate holder should be: \\[Name of Venue &amp; Venue Address\\]\"\n\nI've never heard of a COI before. I'm a bit confused - I thought they were asking\u00a0*me*\u00a0to provide a COI, shouldn't that mean by name should be the COI certificate holder? Why should the certificate holder be", "sort": "hot", "upvote_ratio": 0.67, "author": "hichewmonkey"}

selftext:
I have a videography gig to record footage in a few days; this will be my first time freelancing. The leader of the project told me the venue has strict COI requirements and sent over a document. The document says "The COI certificate holder should be: \[Name of Venue &amp; Venue Address\]"

I've never heard of a COI before. I'm a bit confused - I thought they were asking *me* to provide a COI, shouldn't that mean by name should be the COI certificate holder? Why should the certificate holder be


topic_name: Coparenting: is the parent with child allowed to go out?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qqc00k/coparenting_is_the_parent_with_child_allowed_to/
collected_at: 2026-02-12T00:06:22.356698+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qqc00k", "score": 520, "num_comments": 27, "created_utc": 1769701347.0, "selftext": "Location: New York \n\nWe do not have a formal co-parenting schedule, and we do not live together. I currently live with my family, and he lives with his. Since I have been a stay-at-home mother, he has encouraged me not to work in order to avoid childcare costs, stating that he would provide financial support. However, he is now limiting my access to money for personal reasons.\n\nI have asked him to watch our child for a few hours, but he has refused, saying he does not want me to have free time. ", "sort": "top", "upvote_ratio": 0.92, "author": "Ok-Beautiful02"}

selftext:
Location: New York 

We do not have a formal co-parenting schedule, and we do not live together. I currently live with my family, and he lives with his. Since I have been a stay-at-home mother, he has encouraged me not to work in order to avoid childcare costs, stating that he would provide financial support. However, he is now limiting my access to money for personal reasons.

I have asked him to watch our child for a few hours, but he has refused, saying he does not want me to have free time. 


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qp74kz/lpt_if_a_job_depends_on_you_being_available_at/
collected_at: 2026-02-12T00:06:28.286211+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If a job depends on you being available at all times, it’s under-resourced, not "high-performing"!

metadata:
{"subreddit": "LifeProTips", "post_id": "1qp74kz", "score": 2614, "num_comments": 84, "created_utc": 1769593832.0, "selftext": "Keep this in your mind, the next time you think everything relies on you, because you might not get the credits you would expect for your effort", "sort": "hot", "upvote_ratio": 0.98, "author": "StefsDev"}

selftext:
Keep this in your mind, the next time you think everything relies on you, because you might not get the credits you would expect for your effort


source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789832+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
Different Moccamaster KBGV Brew basket, and water basin lids: My In-Law's new Moccamaster has different plastic lids compared to my ~3 year old one of the same model. New, cheaper feeling lids not shown on product pages.

url:
https://reddit.com/r/BuyItForLife/comments/1qzko59/different_moccamaster_kbgv_brew_basket_and_water/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qzko59", "score": 53, "num_comments": 19, "created_utc": 1770584394.0, "selftext": "As described these new lids, which I can see on other people's posts of their new machines as well, look and feel cheaper than the old ones that in comparison feel thicker, sturdier, and visually are more attractive. These new lids are not shown in any of the product pages, do not show up on the replacement parts page for the KGBV.\n\nI am pretty disappointed by this change. These are not cheap machines, and most of us buy them figuring we are getting great quality through the entire machine. Chea", "sort": "hot", "upvote_ratio": 0.81, "author": "Spanton4"}

selftext:
As described these new lids, which I can see on other people's posts of their new machines as well, look and feel cheaper than the old ones that in comparison feel thicker, sturdier, and visually are more attractive. These new lids are not shown in any of the product pages, do not show up on the replacement parts page for the KGBV.

I am pretty disappointed by this change. These are not cheap machines, and most of us buy them figuring we are getting great quality through the entire machine. Chea


topic_name: Shoes that don't do this
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qt35ur/shoes_that_dont_do_this/
collected_at: 2026-02-12T00:06:40.492473+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qt35ur", "score": 282, "num_comments": 232, "created_utc": 1769963677.0, "selftext": "Hi all. \n\nI crouch a lot for work, and my shoes always break on the sides, where the foot goes from the ball of the foot to the arch. \n\nI love the look and feel of vans. But this has happened with two pairs now, and It happens with shoes that are only a few months old. \n\nCan anyone recommend shoes that hold up to this kind of movement, especially with similar look and feel?", "sort": "top", "upvote_ratio": 0.85, "author": "njslacker"}

selftext:
Hi all. 

I crouch a lot for work, and my shoes always break on the sides, where the foot goes from the ball of the foot to the arch. 

I love the look and feel of vans. But this has happened with two pairs now, and It happens with shoes that are only a few months old. 

Can anyone recommend shoes that hold up to this kind of movement, especially with similar look and feel?


topic_name: Early retirement brokerage allocation
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qgdng4/early_retirement_brokerage_allocation/
collected_at: 2026-02-12T00:06:47.000188+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qgdng4", "score": 44, "num_comments": 51, "created_utc": 1768755145.0, "selftext": "If you\u2019re relying on brokerage account to fund early retirement, are you holding bonds there to minimize volatility? How do you balance this with minimizing dividend income?", "sort": "hot", "upvote_ratio": 0.83, "author": "Peps0215"}

selftext:
If you’re relying on brokerage account to fund early retirement, are you holding bonds there to minimize volatility? How do you balance this with minimizing dividend income?


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397331+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the implications of finding organic molecules on Mars that cannot be fully explained by non-biologic processes, and how does this impact the search for life beyond Earth?

metadata:
{"original_headline": "Non-biologic processes don't fully explain Mars organics collected by Curiosity, researchers say - Phys.org", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Did Blowing Game Cartridges Really Work 🤔
source: youtube
region: US
url: https://youtube.com/watch?v=WZF_XWDjVUo
collected_at: 2026-02-12T00:04:31.071964
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "WZF_XWDjVUo", "channel": "Zack D. Films", "category": "Science & Technology", "category_id": 28, "views": "3486473", "view_count": 3486473, "likes": "373466", "published_at": "2026-02-10T20:30:13Z"}


topic_name: Should we partner with our neighbor to buy an available unit in our building?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.815076+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r23n3f/should_we_partner_with_our_neighbor_to_buy_an/

metadata:
{"subreddit": "personalfinance", "post_id": "1r23n3f", "score": 0, "num_comments": 0, "created_utc": 1770830922.0, "selftext": "My husband and I own a condo in a 3-family house. The other two units are also owner-occupied by Jane and Mary. Over the \\~10 years we\u2019ve lived here, we\u2019ve developed a nice relationship with Jane and have become pretty good friends.\u00a0\n\nFor a while we\u2019ve suspected that Mary would be selling her unit and talked, very hypothetically, with Jane about going halfsies to buy it to use as an income property. Well, Mary has just let us know she\u2019ll be putting her condo on the market in a couple months and ", "sort": "hot", "upvote_ratio": 0.5, "author": "Indigo_toad"}

selftext:
My husband and I own a condo in a 3-family house. The other two units are also owner-occupied by Jane and Mary. Over the \~10 years we’ve lived here, we’ve developed a nice relationship with Jane and have become pretty good friends. 

For a while we’ve suspected that Mary would be selling her unit and talked, very hypothetically, with Jane about going halfsies to buy it to use as an income property. Well, Mary has just let us know she’ll be putting her condo on the market in a couple months and 


topic_name: Is it even worth starting to look at houses?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qv5l2g/is_it_even_worth_starting_to_look_at_houses/
collected_at: 2026-02-12T00:04:45.418350+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qv5l2g", "score": 195, "num_comments": 164, "created_utc": 1770155751.0, "selftext": "My partner and I are hoping to buy a house before our lease is up in 6months. If we had to, we could continue living here but want to explore home owning.\n\nHe makes about $90k/year and pays $1450 in rent with some smaller regular bills but has credit card debt and no student loans. I make about $40k and pay our utilities, $110/month for insurance and have student debt (no credit cards) and some smaller regular bills. His credit is around 750, mine is 690. \nBetween the two of us we don't have muc", "sort": "top", "upvote_ratio": 0.79, "author": "Altruistic-Ground627"}

selftext:
My partner and I are hoping to buy a house before our lease is up in 6months. If we had to, we could continue living here but want to explore home owning.

He makes about $90k/year and pays $1450 in rent with some smaller regular bills but has credit card debt and no student loans. I make about $40k and pay our utilities, $110/month for insurance and have student debt (no credit cards) and some smaller regular bills. His credit is around 750, mine is 690. 
Between the two of us we don't have muc


topic_name: Repo Title
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qzj0gp/repo_title/
collected_at: 2026-02-12T00:04:50.635895+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qzj0gp", "score": 0, "num_comments": 3, "created_utc": 1770580612.0, "selftext": "I\u2019ve been looking at the Mustang V6 on FB marketplace and checked the car yesterday. I checked the car. It\u2019s clean, just like in the photos, but it turned out to be a repo title. The guy bought it at an auction, and it needs suspension work. He said it would cost about $344, but I still have some concern about the future repair cost and repo title transfer.\n\nAm I being too cautious? Could there be any problems with the repo transfer?\n\nThank you in advance \ud83d\ude4f\ud83c\udffb", "sort": "hot", "upvote_ratio": 0.5, "author": "ShelterIndependent44"}

selftext:
I’ve been looking at the Mustang V6 on FB marketplace and checked the car yesterday. I checked the car. It’s clean, just like in the photos, but it turned out to be a repo title. The guy bought it at an auction, and it needs suspension work. He said it would cost about $344, but I still have some concern about the future repair cost and repo title transfer.

Am I being too cautious? Could there be any problems with the repo transfer?

Thank you in advance 🙏🏻


topic_name: What makes a dealership certify a used vehicle as CPO?
source: reddit
region: global
collected_at: 2026-02-12T00:04:53.860483+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1qib5u7/what_makes_a_dealership_certify_a_used_vehicle_as/

metadata:
{"subreddit": "askcarsales", "post_id": "1qib5u7", "score": 9, "num_comments": 19, "created_utc": 1768937990.0, "selftext": "When a dealership gets a car on trade in or buys a car and lists it for sale and wants it \"CPO'd\" they have to pay for that certification and do more recon to it right?\n\nSo are all CPO vehicles in great condition already and a great buy?\n\nI'm assuming dealerships aren't going to put money and time into a poor vehicle to certify it right?\n\nIs always buying a 2-3 year old used CPO vehicle the best bang for your buck way to buy?", "sort": "top", "upvote_ratio": 0.77, "author": "zionstatus"}

selftext:
When a dealership gets a car on trade in or buys a car and lists it for sale and wants it "CPO'd" they have to pay for that certification and do more recon to it right?

So are all CPO vehicles in great condition already and a great buy?

I'm assuming dealerships aren't going to put money and time into a poor vehicle to certify it right?

Is always buying a 2-3 year old used CPO vehicle the best bang for your buck way to buy?


topic_name: Ridiculous fees to transfer from Venmo
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1gz0t/ridiculous_fees_to_transfer_from_venmo/
collected_at: 2026-02-12T00:04:59.457662+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1gz0t", "score": 0, "num_comments": 10, "created_utc": 1770766286.0, "selftext": "I was overdrafted by $-290, I needed an emergency transfer from Venmo. It charged me $5 to transfer instantly.\n\nIt is absolutely criminal that we have to pay to access our OWN money!\n\nThe only thing I am reminded of is that it truly is expensive to be poor.", "sort": "hot", "upvote_ratio": 0.18, "author": "Effective_Key5276"}

selftext:
I was overdrafted by $-290, I needed an emergency transfer from Venmo. It charged me $5 to transfer instantly.

It is absolutely criminal that we have to pay to access our OWN money!

The only thing I am reminded of is that it truly is expensive to be poor.


topic_name: I’m broke because I ate out every day, paid rent, and gambled. This is my reset.
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489381+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qkemcp/im_broke_because_i_ate_out_every_day_paid_rent/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qkemcp", "score": 533, "num_comments": 120, "created_utc": 1769135682.0, "selftext": "I\u2019m 21 and I\u2019m broke because of my own decisions:\n\u2013 Eating out every day\n\u2013 Rent\n\u2013 Gambling instead of budgeting\n\nI\u2019m not posting for sympathy. I\u2019m posting for accountability.\n\nMy solution (starting now):\n\u2013 No eating out at all\n\u2013 Cheap groceries only\n\u2013 Rent gets paid first\n\u2013 No gambling\n\u2013 Picking up overtime whenever possible\n\nWhat I bought with my last ~$30:\n\u2013 Bread (2 loaves)\n\u2013 Peanut butter\n\u2013 Jelly\n\u2013 Chicken\n\u2013 Cereal\n\nI already have eggs, rice, milk, and water at home.\nThis food should last me", "sort": "top", "upvote_ratio": 0.91, "author": "Big_Marzipan3904"}

selftext:
I’m 21 and I’m broke because of my own decisions:
– Eating out every day
– Rent
– Gambling instead of budgeting

I’m not posting for sympathy. I’m posting for accountability.

My solution (starting now):
– No eating out at all
– Cheap groceries only
– Rent gets paid first
– No gambling
– Picking up overtime whenever possible

What I bought with my last ~$30:
– Bread (2 loaves)
– Peanut butter
– Jelly
– Chicken
– Cereal

I already have eggs, rice, milk, and water at home.
This food should last me


topic_name: [US] FL Tattoo artist scamming for tattoo models
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r109mp/us_fl_tattoo_artist_scamming_for_tattoo_models/
collected_at: 2026-02-12T00:05:08.886869+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r109mp", "score": 0, "num_comments": 1, "created_utc": 1770728903.0, "selftext": "Hello, just wanted to bring attention to this scammer that I booked an appointment with and sent payment to. I\u2019ve already been acknowledged that I\u2019m not likely going to get my money back, as being block on instagram and probably on chime too. I just want to spread awareness to not send money over through a service without doing a FULL background. Thankfully it was only just a $100. I\u2019m not sure if it\u2019s actually them in the profile pic and their real name, but their profile seemed legit at first,", "sort": "hot", "upvote_ratio": 0.5, "author": "_p0ptarts"}

selftext:
Hello, just wanted to bring attention to this scammer that I booked an appointment with and sent payment to. I’ve already been acknowledged that I’m not likely going to get my money back, as being block on instagram and probably on chime too. I just want to spread awareness to not send money over through a service without doing a FULL background. Thankfully it was only just a $100. I’m not sure if it’s actually them in the profile pic and their real name, but their profile seemed legit at first,


topic_name: [US] Unknowingly Involved in Money Mule Scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qqfld3/us_unknowingly_involved_in_money_mule_scam/
collected_at: 2026-02-12T00:05:12.359031+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qqfld3", "score": 63, "num_comments": 59, "created_utc": 1769708975.0, "selftext": "I unknowingly became involved in a money mule scam after receiving an email that appeared to come through my school, which led me to believe it was legitimate. Since I had just finished my first semester and was new to handling situations involving employment and finances, I trusted the opportunity and did not initially recognize any warning signs.\n\nI began receiving money on January 11, 2026, and the activity ended on January 28, 2026. Each time I received funds, I was instructed to transfer th", "sort": "top", "upvote_ratio": 0.71, "author": "BumblebeeOk3659"}

selftext:
I unknowingly became involved in a money mule scam after receiving an email that appeared to come through my school, which led me to believe it was legitimate. Since I had just finished my first semester and was new to handling situations involving employment and finances, I trusted the opportunity and did not initially recognize any warning signs.

I began receiving money on January 11, 2026, and the activity ended on January 28, 2026. Each time I received funds, I was instructed to transfer th


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1ou4ik6/as_of_tomorrow_ryanair_will_force_users_to/
collected_at: 2026-02-12T00:05:17.889929+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
As of tomorrow, Ryanair will force users to download the mobile app just to view their boarding passes

metadata:
{"subreddit": "assholedesign", "post_id": "1ou4ik6", "score": 2105, "num_comments": 306, "created_utc": 1762851083.0, "selftext": "Ryanair will stop sending boarding passes by email, so if you want to access your pass (yes, just a simple QR code), you\u2019ll now have to install their app. Because apparently, that\u2019s progress.\n\nOf course, the excuse for this is \u201csaving the environment\u201d by going paperless. It has nothing to do with simply providing the QR code outside the app. They even claim this change will make flight prices cheaper.\n\nEdit:  \nJust to clarify: You can still check-in throught the website, but instead of receiving", "sort": "hot", "upvote_ratio": 0.94, "author": "oiram98"}

selftext:
Ryanair will stop sending boarding passes by email, so if you want to access your pass (yes, just a simple QR code), you’ll now have to install their app. Because apparently, that’s progress.

Of course, the excuse for this is “saving the environment” by going paperless. It has nothing to do with simply providing the QR code outside the app. They even claim this change will make flight prices cheaper.

Edit:  
Just to clarify: You can still check-in throught the website, but instead of receiving


topic_name: Magic collagen
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qu78e1/magic_collagen/
collected_at: 2026-02-12T00:05:26.020653+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qu78e1", "score": 22, "num_comments": 13, "created_utc": 1770065403.0, "selftext": "I'm sorry, are they claiming that two months on this suppliment thickened the *entire length* of a fellow hun's hair, not just new growth? Because that's what the video they posted looks like.", "sort": "hot", "upvote_ratio": 0.88, "author": "amunirdis"}

selftext:
I'm sorry, are they claiming that two months on this suppliment thickened the *entire length* of a fellow hun's hair, not just new growth? Because that's what the video they posted looks like.


topic_name: What is a “grit dump?”
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qh84gy/what_is_a_grit_dump/
collected_at: 2026-02-12T00:05:30.135225+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qh84gy", "score": 90, "num_comments": 65, "created_utc": 1768838554.0, "selftext": "", "sort": "top", "upvote_ratio": 0.99, "author": "Willing_Chemical1257"}


topic_name: Need Help Understanding
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r1g5s8/need_help_understanding/
collected_at: 2026-02-12T00:05:44.256822+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r1g5s8", "score": 1, "num_comments": 2, "created_utc": 1770764362.0, "selftext": "**(Beginner in Insurance, studying for P&amp;C License) What does the phrase \"Any contingent and/or unknown event, whether past, present or future, may be insured against,\" mean? Does this mean that, after an event occurs, one could get insurance for it? Or is there some other context I am missing?**", "sort": "hot", "upvote_ratio": 1.0, "author": "TelephoneDue1701"}

selftext:
**(Beginner in Insurance, studying for P&amp;C License) What does the phrase "Any contingent and/or unknown event, whether past, present or future, may be insured against," mean? Does this mean that, after an event occurs, one could get insurance for it? Or is there some other context I am missing?**


topic_name: Any U.S. auto insurance companies out there who will factor in working remotely into pricing?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qcuzjr/any_us_auto_insurance_companies_out_there_who/
collected_at: 2026-02-12T00:05:47.658515+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qcuzjr", "score": 9, "num_comments": 15, "created_utc": 1768414968.0, "selftext": "", "sort": "top", "upvote_ratio": 0.91, "author": "shbooms"}


topic_name: Gmail attachments dark pattern to waste storage space
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1k6zu8k/gmail_attachments_dark_pattern_to_waste_storage/
collected_at: 2026-02-12T00:05:53.366480+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1k6zu8k", "score": 80, "num_comments": 6, "created_utc": 1745519979.0, "selftext": "When attachments are received, two buttons are available - one to download, and one to 'add to drive'. Both buttons click regions overlap each other, but the 'add to drive' button is higher in the DOM, so clicking anywhere in its click region triggers it, even if your mouse is literally over top of the download button.\n\nWorse yet, clicking the 'add to drive' button adds it to your drive immediately, no prompt, and no quick undo button. To delete the file, you have to manually go in Drive, find w", "sort": "hot", "upvote_ratio": 0.97, "author": "stanley_fatmax"}

selftext:
When attachments are received, two buttons are available - one to download, and one to 'add to drive'. Both buttons click regions overlap each other, but the 'add to drive' button is higher in the DOM, so clicking anywhere in its click region triggers it, even if your mouse is literally over top of the download button.

Worse yet, clicking the 'add to drive' button adds it to your drive immediately, no prompt, and no quick undo button. To delete the file, you have to manually go in Drive, find w


topic_name: What frugal food swap sounded dumb but ended up working?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qutzsz/what_frugal_food_swap_sounded_dumb_but_ended_up/
collected_at: 2026-02-12T00:06:01.657090+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qutzsz", "score": 293, "num_comments": 433, "created_utc": 1770130396.0, "selftext": "I\u2019m skeptical of a lot of \u201cjust swap X for Y\u201d food advice. It usually sounds simple, but in real life it often tastes worse, takes more time, or feels like punishment rather than saving. That said, a few swaps have genuinely surprised me and actually stuck. Curious which food swaps worked for others long term without making meals feel joyless or overly restrictive.", "sort": "hot", "upvote_ratio": 0.91, "author": "Bmouse298"}

selftext:
I’m skeptical of a lot of “just swap X for Y” food advice. It usually sounds simple, but in real life it often tastes worse, takes more time, or feels like punishment rather than saving. That said, a few swaps have genuinely surprised me and actually stuck. Curious which food swaps worked for others long term without making meals feel joyless or overly restrictive.


topic_name: First CC recommendation, 19, college student
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r1k1hs/first_cc_recommendation_19_college_student/
collected_at: 2026-02-12T00:06:10.588050+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r1k1hs", "score": 3, "num_comments": 12, "created_utc": 1770774220.0, "selftext": "Hi all, ive been researching first credit cards but have been slightly overwhelmed by all the options I suppose and want information as far as recommendations. I commute from home to school daily. I purchase gas, groceries (with some help), and the occasional restaurant. I have no credit score, and sadly an authorized user is not an option. I have a job where I make around 1,000 a month. \n\nSpending habits:\n\nGas: \\~50 a week\n\nGroceries: \\~100 a week\n\nEating out: \\~ 30 a week\n\nLike I said I do hav", "sort": "hot", "upvote_ratio": 1.0, "author": "Long_Half2750"}

selftext:
Hi all, ive been researching first credit cards but have been slightly overwhelmed by all the options I suppose and want information as far as recommendations. I commute from home to school daily. I purchase gas, groceries (with some help), and the occasional restaurant. I have no credit score, and sadly an authorized user is not an option. I have a job where I make around 1,000 a month. 

Spending habits:

Gas: \~50 a week

Groceries: \~100 a week

Eating out: \~ 30 a week

Like I said I do hav


topic_name: DoC Repeating Rumor of New Wells Fargo $95 AF Card Launching in February
source: reddit
region: global
collected_at: 2026-02-12T00:06:13.782241+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1qdmo9x/doc_repeating_rumor_of_new_wells_fargo_95_af_card/

metadata:
{"subreddit": "CreditCards", "post_id": "1qdmo9x", "score": 63, "num_comments": 35, "created_utc": 1768491235.0, "selftext": "[Link here](https://www.doctorofcredit.com/rumor-wells-fargo-to-launch-a-new-card-on-2-6/)\n\nThis was rumored in a deleted post last week by another user, except to launch on the 18th. I and others dismissed it as it was so close to the AJ but it looks like they'll be vindicated. Maybe the value proposition is enhanced by assets/relationship. 2026 is shaping up to be quite a year.", "sort": "top", "upvote_ratio": 0.97, "author": "padbodh"}

selftext:
[Link here](https://www.doctorofcredit.com/rumor-wells-fargo-to-launch-a-new-card-on-2-6/)

This was rumored in a deleted post last week by another user, except to launch on the 18th. I and others dismissed it as it was so close to the AJ but it looks like they'll be vindicated. Maybe the value proposition is enhanced by assets/relationship. 2026 is shaping up to be quite a year.


