# trend_items

topic_name: Company failed to contribute to my 401k last year.
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418121+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qlii53/company_failed_to_contribute_to_my_401k_last_year/

metadata:
{"subreddit": "personalfinance", "post_id": "1qlii53", "score": 948, "num_comments": 180, "created_utc": 1769246388.0, "selftext": "Last week I logged on to see if the company match had my account (this happens at the end of the year for the whole year) and the match was for  like 100 bucks when, it should be much greater.\n\nI start looking at transactions history and notice no contributions...then looked back to my paystub, again, no contributions.\n\nI reached out to HR, letting them know to please check; since I know I did not make any changes from the previous year.\n\nit's been 2 days ,and so far all I got is confirmation th", "sort": "top", "upvote_ratio": 0.93, "author": "darkcisnelle"}

selftext:
Last week I logged on to see if the company match had my account (this happens at the end of the year for the whole year) and the match was for  like 100 bucks when, it should be much greater.

I start looking at transactions history and notice no contributions...then looked back to my paystub, again, no contributions.

I reached out to HR, letting them know to please check; since I know I did not make any changes from the previous year.

it's been 2 days ,and so far all I got is confirmation th


topic_name: Extended Warranty for New Honda Hybrid
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r24h7a/extended_warranty_for_new_honda_hybrid/
collected_at: 2026-02-12T00:04:50.635639+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r24h7a", "score": 0, "num_comments": 6, "created_utc": 1770832695.0, "selftext": "Bought a 2026 Honda Civic Sport Touring. Rushed through the signing process and allowed them to add on some additional coverages that I thought were being included in the original sales price. Paid $53k (including financing charges) on a $32k car, which is making me sick to my stomach.\n\nI called the dealership, and about $3k is related to non-cancelable charges (Diamond Fusion coating and Identity/credit insurance). There is roughly $7k of additional coverages, including an extended Bumper to Bu", "sort": "hot", "upvote_ratio": 0.5, "author": "ComradeBlossom"}

selftext:
Bought a 2026 Honda Civic Sport Touring. Rushed through the signing process and allowed them to add on some additional coverages that I thought were being included in the original sales price. Paid $53k (including financing charges) on a $32k car, which is making me sick to my stomach.

I called the dealership, and about $3k is related to non-cancelable charges (Diamond Fusion coating and Identity/credit insurance). There is roughly $7k of additional coverages, including an extended Bumper to Bu


topic_name: What do buyers do during negotiations that actually makes things harder for themselves?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qbsffa/what_do_buyers_do_during_negotiations_that/
collected_at: 2026-02-12T00:04:53.860211+00:00
autocomplete: []
selftext: Any behaviors you’ve noticed that consistently slow deals down or reduce leverage?
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qbsffa", "score": 69, "num_comments": 133, "created_utc": 1768313729.0, "selftext": "Any behaviors you\u2019ve noticed that consistently slow deals down or reduce leverage?", "sort": "top", "upvote_ratio": 0.93, "author": "Suntrup-Nissan"}


source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1hpb7/i_escaped_poverty_once_through_hard_work_army/
collected_at: 2026-02-12T00:04:59.457405+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
I escaped poverty once through hard work: Army service, college degree, professional job. Then I unexpectedly became a single mother and found myself back in poverty. I'm close to escaping, but this time it's mostly luck. What a journey.

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1hpb7", "score": 147, "num_comments": 21, "created_utc": 1770768089.0, "selftext": "Tl;dr: The general advice to escape poverty works, and if you don't follow it, the reverse can happen. Join the military. Go to college (even if you need FEDERAL student loans; stay away from private). Get a decent job. Live within your means. Pick a good partner. Use birth control. Don't have kids out of wedlock or without proper planning. That's really all it takes to reach the middle class. \n\n\n\nI grew up in poverty. Five kids in a three bedroom singlewide. Goodwill. Walmart. Abuse. Neglect. T", "sort": "hot", "upvote_ratio": 0.89, "author": "dibbiluncan"}

selftext:
Tl;dr: The general advice to escape poverty works, and if you don't follow it, the reverse can happen. Join the military. Go to college (even if you need FEDERAL student loans; stay away from private). Get a decent job. Live within your means. Pick a good partner. Use birth control. Don't have kids out of wedlock or without proper planning. That's really all it takes to reach the middle class. 



I grew up in poverty. Five kids in a three bedroom singlewide. Goodwill. Walmart. Abuse. Neglect. T


topic_name: Working in payroll is depressing
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qgt1ur/working_in_payroll_is_depressing/
collected_at: 2026-02-12T00:05:03.489152+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qgt1ur", "score": 3640, "num_comments": 302, "created_utc": 1768793169.0, "selftext": "I process payroll for my company. I was recently reprimanded/reminded by my manager to be more discreet about the fact that I know everyone\u2019s salary.\n\nRecently, when a bunch of us were together in a room waiting for a meeting to start, one of my coworkers was talking about how she was trying to get a geographic exception for her child to attend public school in another district because the one he\u2019s meant to go to is too \u201cghetto.\u201d\n\nI asked why she didn\u2019t just put him in private school and she sai", "sort": "top", "upvote_ratio": 0.95, "author": "LycheeComprehensive1"}

selftext:
I process payroll for my company. I was recently reprimanded/reminded by my manager to be more discreet about the fact that I know everyone’s salary.

Recently, when a bunch of us were together in a room waiting for a meeting to start, one of my coworkers was talking about how she was trying to get a geographic exception for her child to attend public school in another district because the one he’s meant to go to is too “ghetto.”

I asked why she didn’t just put him in private school and she sai


topic_name: [US] misaddressed data breach notification from https://www.njcrib.com/
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r2dilh/us_misaddressed_data_breach_notification_from/
collected_at: 2026-02-12T00:05:08.886611+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r2dilh", "score": 3, "num_comments": 4, "created_utc": 1770853065.0, "selftext": "I'm in my 50s, and have worked in IT for my entire life, and am very savvy about scams.  This is one of the strangest things I've ever seen.  \nJust got this very odd notice by snail mail:\n\nhttps://preview.redd.it/1p4va1ku6yig1.png?width=799&amp;format=png&amp;auto=webp&amp;s=a6c4a895470febb959973bace0897e038f32a108\n\nWhy is it odd?\n\nI live in another east coast state, but not one adjacent to NJ, and I've never worked or lived in NJ.  I have no family in NJ.  This is addressed to a CPA firm in New", "sort": "hot", "upvote_ratio": 1.0, "author": "zigzagboomer"}

selftext:
I'm in my 50s, and have worked in IT for my entire life, and am very savvy about scams.  This is one of the strangest things I've ever seen.  
Just got this very odd notice by snail mail:

https://preview.redd.it/1p4va1ku6yig1.png?width=799&amp;format=png&amp;auto=webp&amp;s=a6c4a895470febb959973bace0897e038f32a108

Why is it odd?

I live in another east coast state, but not one adjacent to NJ, and I've never worked or lived in NJ.  I have no family in NJ.  This is addressed to a CPA firm in New


topic_name: A $3,000 success story with the McAfee/Apple gift card scam
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qjzs81/a_3000_success_story_with_the_mcafeeapple_gift/
collected_at: 2026-02-12T00:05:12.358805+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qjzs81", "score": 451, "num_comments": 64, "created_utc": 1769100746.0, "selftext": "With all the sad stories of old folks being scammed, I thought I would post my 77yo uncle's success story. He got scammed out of $3,000 and actually got his money back. That\u2019s a LOT of money to him.\n\nYesterday he admitted that two weeks ago he fell for the McAfee/Apple gift card scam. Here\u2019s the story as he told it. Some details are missing because he doesn't remember everything.\n\nIt started when he received a text or email from \u201cMcAfee,\u201d claiming that he owed them $650 for an old bill. He used ", "sort": "top", "upvote_ratio": 0.96, "author": "bmorearty"}

selftext:
With all the sad stories of old folks being scammed, I thought I would post my 77yo uncle's success story. He got scammed out of $3,000 and actually got his money back. That’s a LOT of money to him.

Yesterday he admitted that two weeks ago he fell for the McAfee/Apple gift card scam. Here’s the story as he told it. Some details are missing because he doesn't remember everything.

It started when he received a text or email from “McAfee,” claiming that he owed them $650 for an old bill. He used 


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889498+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Square automatically upgrading me from a $20/month plan to a $50/month plan unless I “opt out” to keep my old plan. How is this legal?

url:
https://reddit.com/r/assholedesign/comments/1qjdnlq/square_automatically_upgrading_me_from_a_20month/

metadata:
{"subreddit": "assholedesign", "post_id": "1qjdnlq", "score": 2332, "num_comments": 113, "created_utc": 1769037303.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "atalkingfish"}


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r0r451/they_snagged_another_one_this_lady_is_destitute/
collected_at: 2026-02-12T00:05:26.020406+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
They snagged another one. This lady is destitute. She can't afford rent, food, or even a coffee, but just announced her new "Tupperware journey". Sigh.

metadata:
{"subreddit": "antiMLM", "post_id": "1r0r451", "score": 308, "num_comments": 73, "created_utc": 1770697748.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.99, "author": "BewareTheCondiments"}


topic_name: Shopping for insurance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r2bho5/shopping_for_insurance/
collected_at: 2026-02-12T00:05:44.256581+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r2bho5", "score": 1, "num_comments": 5, "created_utc": 1770848215.0, "selftext": "Recently State Farm has raised my insurance rates by 1200 dollars per year. My agent passed away and my policies were passed to new agents twice in the last six months, each time my monthly payment rate increased by about $50. I have been with State Farm for about 25 years. \n\nI Insure a 2008 Jeep wrangler unlimited . A 2012 Volkswagen Jetta. A rental property worth about $315,000 and my home worth about $400,000.\n\nAll of these items are paid off, there is no requirement to have coverage above st", "sort": "hot", "upvote_ratio": 1.0, "author": "Pavonack"}

selftext:
Recently State Farm has raised my insurance rates by 1200 dollars per year. My agent passed away and my policies were passed to new agents twice in the last six months, each time my monthly payment rate increased by about $50. I have been with State Farm for about 25 years. 

I Insure a 2008 Jeep wrangler unlimited . A 2012 Volkswagen Jetta. A rental property worth about $315,000 and my home worth about $400,000.

All of these items are paid off, there is no requirement to have coverage above st


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qzhmg2/oregon_sold_car_a_month_ago_got_a_letter_from_an/
collected_at: 2026-02-12T00:05:47.658301+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
[Oregon] Sold car a month ago, got a letter from an insurer about a claim. We transferred title and submitted notice of sale to DMV. Are we safe?

metadata:
{"subreddit": "Insurance", "post_id": "1qzhmg2", "score": 62, "num_comments": 19, "created_utc": 1770577508.0, "selftext": "We sold our old Mustang right before NYE. It was a Facebook Marketplace deal so just sold in cash and signed the title over. We took a photo of the title and title transfer form, signed and dated, on the back and submitted a seller notice via DMV2U. We just checked the mail and have a letter regarding a claim from State Farm with a date of loss of a couple weeks ago. We have not been in any accident or trouble with our other cars so we figure it must be the Mustang. We are sending over our proof", "sort": "top", "upvote_ratio": 0.99, "author": "acallfrommydream"}

selftext:
We sold our old Mustang right before NYE. It was a Facebook Marketplace deal so just sold in cash and signed the title over. We took a photo of the title and title transfer form, signed and dated, on the back and submitted a seller notice via DMV2U. We just checked the mail and have a letter regarding a claim from State Farm with a date of loss of a couple weeks ago. We have not been in any accident or trouble with our other cars so we figure it must be the Mustang. We are sending over our proof


topic_name: Sir the product is actually the inventory
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qvnyd9/sir_the_product_is_actually_the_inventory/
collected_at: 2026-02-12T00:05:53.366044+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qvnyd9", "score": 49, "num_comments": 2, "created_utc": 1770210086.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.95, "author": "OkDragonfruit55"}


topic_name: How to deal emotionally with the fact that I got scammed.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r136qv/how_to_deal_emotionally_with_the_fact_that_i_got/
collected_at: 2026-02-12T00:06:01.656856+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r136qv", "score": 82, "num_comments": 80, "created_utc": 1770735972.0, "selftext": "Hello everybody.\nAs the tilte reads. I got scammed ,and I got scammed hard out of 900 euros.\n\nNow I know , I'm ashamed of myself ,incredibly, I feel guilty , even tho I worked for the money myself.\nI got blackmailed , the Person forced me to send the money or they would send local authorities to me.\nIm still pretty young , only 18 and I didn't know how to react so I send him the money.\n\nNow I realised how stupid and impulsive and naive it was.\nAnd I don't know how to deal with it emotionally.\nIt", "sort": "hot", "upvote_ratio": 0.77, "author": "Pleasant-Top-4977"}

selftext:
Hello everybody.
As the tilte reads. I got scammed ,and I got scammed hard out of 900 euros.

Now I know , I'm ashamed of myself ,incredibly, I feel guilty , even tho I worked for the money myself.
I got blackmailed , the Person forced me to send the money or they would send local authorities to me.
Im still pretty young , only 18 and I didn't know how to react so I send him the money.

Now I realised how stupid and impulsive and naive it was.
And I don't know how to deal with it emotionally.
It


topic_name: High mortgage payment, what card to get?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r296n1/high_mortgage_payment_what_card_to_get/
collected_at: 2026-02-12T00:06:10.587803+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r296n1", "score": 2, "num_comments": 2, "created_utc": 1770842984.0, "selftext": "Hey all, it's been some time since I've applied for a new credit card and I'd like to get some advice on what I should apply for next!\n\nCurrent cards: (list cards, limits, opening date)\n\n    Discover IT Student | $2,500 limit | October 2019\n    Chase Freedom Unlimited | $5,000 limit | Feb 2021\n    Chase Sapphire Preferred | $27,300 limit | October 2021\n\nFICO Score: e.g. 769 (went down recently due to mortgage shopping credit checks)\n\n    Oldest account age: 7 years, 5 months\n    Chase 5/24 statu", "sort": "hot", "upvote_ratio": 1.0, "author": "NSeth99"}

selftext:
Hey all, it's been some time since I've applied for a new credit card and I'd like to get some advice on what I should apply for next!

Current cards: (list cards, limits, opening date)

    Discover IT Student | $2,500 limit | October 2019
    Chase Freedom Unlimited | $5,000 limit | Feb 2021
    Chase Sapphire Preferred | $27,300 limit | October 2021

FICO Score: e.g. 769 (went down recently due to mortgage shopping credit checks)

    Oldest account age: 7 years, 5 months
    Chase 5/24 statu


topic_name: FYI: Chase ending alerts for non-physical and int'l charges on 17 Feb 2026
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qqiim8/fyi_chase_ending_alerts_for_nonphysical_and_intl/
collected_at: 2026-02-12T00:06:13.782017+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qqiim8", "score": 251, "num_comments": 75, "created_utc": 1769715140.0, "selftext": "&gt;We're writing to let you know that we're retiring alerts you\u2019re signed up for. You'll no longer receive either of these alerts for any of your credit card accounts starting February 17, 2026:\n\n&gt;\u2022 International charge posted\n\n&gt;\u2022 Online, phone or mail charge authorized\n\nWhy is beyond me. There's no way these alerts even cost them that much in total.", "sort": "top", "upvote_ratio": 0.96, "author": "4dxn"}

selftext:
&gt;We're writing to let you know that we're retiring alerts you’re signed up for. You'll no longer receive either of these alerts for any of your credit card accounts starting February 17, 2026:

&gt;• International charge posted

&gt;• Online, phone or mail charge authorized

Why is beyond me. There's no way these alerts even cost them that much in total.


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r1ox1x/promised_a_14000_scholarship_by_a/
collected_at: 2026-02-12T00:06:18.920778+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Promised a $14,000 scholarship by a government-sponsored competition that was suspended and hasn’t paid or responded to me

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1ox1x", "score": 154, "num_comments": 25, "created_utc": 1770788066.0, "selftext": "I won a $14,000 college scholarship at a competition I did last year, when I was in high school. The promise of the award was very well documented (paperwork, emails, media coverage, website, social media posts, etc.), as was the fact that I specifically won one of the awards. This competition was funded by a government department and ran by an association of teachers, although it functioned like its own organization. This year, the competition was suspended, the website was taken down, and all ", "sort": "hot", "upvote_ratio": 0.9, "author": "Low_Attorney3934"}

selftext:
I won a $14,000 college scholarship at a competition I did last year, when I was in high school. The promise of the award was very well documented (paperwork, emails, media coverage, website, social media posts, etc.), as was the fact that I specifically won one of the awards. This competition was funded by a government department and ran by an association of teachers, although it functioned like its own organization. This year, the competition was suspended, the website was taken down, and all 


topic_name: I caught my maintenance guy on camera
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qczn93/i_caught_my_maintenance_guy_on_camera/
collected_at: 2026-02-12T00:06:22.356451+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qczn93", "score": 2314, "num_comments": 113, "created_utc": 1768425262.0, "selftext": "Context- location: Illinois and today I left for class and was gone all morning I put a maintenance request in to fix my heater and allowed to come in cuz I won\u2019t be there. I have two camera in my apartment for my cats when I leave for weekends for work. I looked at the camera when I was done with one of my classes and saw the recording of my maintenance guy standing up and jerking off to my perfumes and smelling them while doing it. I feel so grossed out rn. I am going to the office for this an", "sort": "top", "upvote_ratio": 0.98, "author": "RecordApprehensive33"}

selftext:
Context- location: Illinois and today I left for class and was gone all morning I put a maintenance request in to fix my heater and allowed to come in cuz I won’t be there. I have two camera in my apartment for my cats when I leave for weekends for work. I looked at the camera when I was done with one of my classes and saw the recording of my maintenance guy standing up and jerking off to my perfumes and smelling them while doing it. I feel so grossed out rn. I am going to the office for this an


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qz3r1w/lpt_if_something_is_stressing_you_out_write_down/
collected_at: 2026-02-12T00:06:28.285951+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: If something is stressing you out, write down the next physical action you can take, not the entire solution.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qz3r1w", "score": 683, "num_comments": 15, "created_utc": 1770539735.0, "selftext": "When we feel overwhelmed, it\u2019s usually because our brain is trying to solve everything at once.\nInstead of asking \u201cHow do I fix this?\u201d, ask \u201cWhat is the very next small action I can physically do?\u201d\nExamples:\nNot \u201cfix my finances\u201d \u2192 \u201copen my bank app and check balance\u201d\nNot \u201cget healthy\u201d \u2192 \u201cdrink one glass of water\u201d\nNot \u201cstudy everything\u201d \u2192 \u201copen the book to page 1\u201d\nYour brain relaxes when a task becomes concrete and actionable. Momentum often follows after the first tiny step.", "sort": "hot", "upvote_ratio": 0.97, "author": "Giveawayforusa"}

selftext:
When we feel overwhelmed, it’s usually because our brain is trying to solve everything at once.
Instead of asking “How do I fix this?”, ask “What is the very next small action I can physically do?”
Examples:
Not “fix my finances” → “open my bank app and check balance”
Not “get healthy” → “drink one glass of water”
Not “study everything” → “open the book to page 1”
Your brain relaxes when a task becomes concrete and actionable. Momentum often follows after the first tiny step.


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qh7y6l/lpt_when_a_boss_asks_you_to_do_something_the/
collected_at: 2026-02-12T00:06:31.302059+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: When a boss asks you to do something, the first instinct is to say “of course” or “no problem” every single time. Don’t say those. I found saying these allows one to reduce one's stress quite significantly.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qh7y6l", "score": 6277, "num_comments": 265, "created_utc": 1768838190.0, "selftext": "When you always say \u201cof course\u201d or no problem\u201d, you communicate immediate availability and infinite accessibility. Instead, say this: \u201cHappy to help \u2013 What\u2019s the timeline you\u2019re working with\u201d? Or \u201cGlad to Assist \u2013 When do you need this by\u201d? It\u2019s short, it\u2019s professional and it helps create strong boundaries that signal you certainly want to be of service, but within *reasonable* boundaries.\n\nWe often think when someone asks for something, they need it ASAP, but I have found that almost all bosse", "sort": "top", "upvote_ratio": 0.91, "author": "Yosi_H"}

selftext:
When you always say “of course” or no problem”, you communicate immediate availability and infinite accessibility. Instead, say this: “Happy to help – What’s the timeline you’re working with”? Or “Glad to Assist – When do you need this by”? It’s short, it’s professional and it helps create strong boundaries that signal you certainly want to be of service, but within *reasonable* boundaries.

We often think when someone asks for something, they need it ASAP, but I have found that almost all bosse


topic_name: Looking for good hybrid mattress brands. Cali King size
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789576+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r2bb15/looking_for_good_hybrid_mattress_brands_cali_king/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r2bb15", "score": 2, "num_comments": 0, "created_utc": 1770847792.0, "selftext": "Looking for suggestions or recommendation's of brands that are good for Hybrid style mattresses, preferably Cali King. I only need the box spring and mattress, frame will be custom built.\n\nI am 6' 9\" and my current mattress is a full size XL and it isn't long enough.\n\n  \nPillow top is preferred as well. ", "sort": "hot", "upvote_ratio": 1.0, "author": "Rahkan1"}

selftext:
Looking for suggestions or recommendation's of brands that are good for Hybrid style mattresses, preferably Cali King. I only need the box spring and mattress, frame will be custom built.

I am 6' 9" and my current mattress is a full size XL and it isn't long enough.

  
Pillow top is preferred as well. 


topic_name: Never Mess With This Security Guy #drawing #shortsfeed #art #meme #funny #viral #security #police
source: youtube
region: US
url: https://youtube.com/watch?v=D5RdDgw9Lw8
collected_at: 2026-02-12T00:04:30.534616
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "D5RdDgw9Lw8", "channel": "Inkziic", "category": "Entertainment", "category_id": 24, "views": "12897252", "view_count": 12897252, "likes": "1009082", "published_at": "2026-02-03T18:21:57Z"}


topic_name: Which Ball Was Kicked? 🤕🤣
source: youtube
region: CA
url: https://youtube.com/watch?v=GmurfpNpAvc
collected_at: 2026-02-12T00:04:31.717961
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "GmurfpNpAvc", "channel": "Celine Dept", "category": "Sports", "category_id": 17, "views": "14081619", "view_count": 14081619, "likes": "254749", "published_at": "2026-02-09T16:00:32Z"}


topic_name: Short to Medium Term Cash - Where to Park
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r21n3e/short_to_medium_term_cash_where_to_park/
collected_at: 2026-02-12T00:04:41.814809+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r21n3e", "score": 7, "num_comments": 8, "created_utc": 1770826573.0, "selftext": "**My fundamentals:**\n\n* Checking = $10k\n* Savings = $80k (more on this below)\n* Total investments = \\~$200k\n* Annual income = \\~$160k\n\n**My basic situation:**\n\nI am a father of one who just sold his home last week (why such a relatively large amount in HYSA and not invested). My son and I are staying with my mother short term while we look for our next place.\n\nI will *likely* end up renting to find somewhere good for us without needing to find the perfect place. Eventually, I would like to own a", "sort": "hot", "upvote_ratio": 0.72, "author": "dissociation_ass"}

selftext:
**My fundamentals:**

* Checking = $10k
* Savings = $80k (more on this below)
* Total investments = \~$200k
* Annual income = \~$160k

**My basic situation:**

I am a father of one who just sold his home last week (why such a relatively large amount in HYSA and not invested). My son and I are staying with my mother short term while we look for our next place.

I will *likely* end up renting to find somewhere good for us without needing to find the perfect place. Eventually, I would like to own a


topic_name: Wife lost credit card, it was cancelled, now someone is trying to use it
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qhz7qj/wife_lost_credit_card_it_was_cancelled_now/
collected_at: 2026-02-12T00:04:45.418125+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qhz7qj", "score": 945, "num_comments": 113, "created_utc": 1768910337.0, "selftext": "My wife lost her copy of our card last week. I immediately reported it lost and it was cancelled and a new card sent to us. However, i just woke up to alerts of that old card being used and declined. Should i call my bank and report this, or is there no point?", "sort": "top", "upvote_ratio": 0.92, "author": "ThisIsATest7777"}

selftext:
My wife lost her copy of our card last week. I immediately reported it lost and it was cancelled and a new card sent to us. However, i just woke up to alerts of that old card being used and declined. Should i call my bank and report this, or is there no point?


topic_name: Any recourse on permaplate warranty sold by misrepresentation, may not even be applied?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r22ozp/any_recourse_on_permaplate_warranty_sold_by/
collected_at: 2026-02-12T00:04:50.635646+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r22ozp", "score": 0, "num_comments": 19, "created_utc": 1770828895.0, "selftext": "We bought a used car the other day, and the finance manager sold us on permaplate by telling us it only cost \"50 cents per month\" and that it covered all sorts of things including that we could \"wear a hole in the floor mats and they would give us new ones\".\n\nWe were not told it was a product coating that was applied to the car, there was no time lapse between signing the papers and leaving with the car for it to have been applied. There is no sticker or other indication of it having been applie", "sort": "hot", "upvote_ratio": 0.4, "author": "JGink"}

selftext:
We bought a used car the other day, and the finance manager sold us on permaplate by telling us it only cost "50 cents per month" and that it covered all sorts of things including that we could "wear a hole in the floor mats and they would give us new ones".

We were not told it was a product coating that was applied to the car, there was no time lapse between signing the papers and leaving with the car for it to have been applied. There is no sticker or other indication of it having been applie


topic_name: Has This month been horrible for everyone else?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qo0iz4/has_this_month_been_horrible_for_everyone_else/
collected_at: 2026-02-12T00:04:53.860215+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qo0iz4", "score": 68, "num_comments": 57, "created_utc": 1769479392.0, "selftext": "Last month finished with 17 sold. 13 of them used. I work at a gross based dealership where we get paid 25% front end and 10% back end. Made a crazy check for December after a decent month in November. But January has been brutal. Currently sitting at 9 sold. 7 of them used. I\u2019ve been getting a ton of tire kickers and \u201cjust looking\u201d customers. Far less test drives than last year. I also been scraping our service system for potential trade ins but nobody is wanting to buy a car. I\u2019m currently not", "sort": "top", "upvote_ratio": 0.82, "author": "Korazon901"}

selftext:
Last month finished with 17 sold. 13 of them used. I work at a gross based dealership where we get paid 25% front end and 10% back end. Made a crazy check for December after a decent month in November. But January has been brutal. Currently sitting at 9 sold. 7 of them used. I’ve been getting a ton of tire kickers and “just looking” customers. Far less test drives than last year. I also been scraping our service system for potential trade ins but nobody is wanting to buy a car. I’m currently not


topic_name: Budgeting isnt hard staying motivated is
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1p699/budgeting_isnt_hard_staying_motivated_is/
collected_at: 2026-02-12T00:04:59.457409+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1p699", "score": 49, "num_comments": 31, "created_utc": 1770788893.0, "selftext": "The math is easy and the discipline isnt. I be start strong every month and then life happens. Unexpected costs, stress spending, random expenses..\n\n", "sort": "hot", "upvote_ratio": 0.88, "author": "Such_Rhubarb8095"}

selftext:
The math is easy and the discipline isnt. I be start strong every month and then life happens. Unexpected costs, stress spending, random expenses..


source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489158+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
topic_name:
Put on 20 lbs after losing my job and it finally clicked why eating “healthy” is so hard when you are broke

url:
https://reddit.com/r/povertyfinance/comments/1qdekrh/put_on_20_lbs_after_losing_my_job_and_it_finally/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qdekrh", "score": 3431, "num_comments": 302, "created_utc": 1768467277.0, "selftext": "I lost my job about six months ago and I did not have much saved since everything was already going to rent, bills, and old debt. Since then it has just been survival mode. Buy the cheapest food. Make it last. Do not waste anything.\n\nI stepped on the scale last week and realized I am up about 20 pounds. Not because I have been going wild with snacks, but because most of what I eat now is whatever is filling and cheap. Lots of pasta, rice, frozen stuff, ramen, peanut butter, things that keep me f", "sort": "top", "upvote_ratio": 0.97, "author": "Serious-Ad-5881"}

selftext:
I lost my job about six months ago and I did not have much saved since everything was already going to rent, bills, and old debt. Since then it has just been survival mode. Buy the cheapest food. Make it last. Do not waste anything.

I stepped on the scale last week and realized I am up about 20 pounds. Not because I have been going wild with snacks, but because most of what I eat now is whatever is filling and cheap. Lots of pasta, rice, frozen stuff, ramen, peanut butter, things that keep me f


topic_name: [US] Just got an influx of ‘loan application’ emails…
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r247h1/us_just_got_an_influx_of_loan_application_emails/
collected_at: 2026-02-12T00:05:08.886619+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r247h1", "score": 6, "num_comments": 7, "created_utc": 1770832120.0, "selftext": "I have a semi burner email (not my professional or banking email, but I use this email to signup for some online shopping, restaurants, fast food, etc) and literally within the past hour I\u2019ve gotten about 10+ emails stating my name and that my application has been received for a loan and various other things. The domains are coming from:\n\n\\- gimmie lend\n\n\\- efficient lends\n\n\\- feed blitz\n\n\\- cache lends\n\n\\- clear havens\n\n\\- favorite asset\n\n\\- your loan club\n\n\\- good rich finance \n\nI have not cli", "sort": "hot", "upvote_ratio": 1.0, "author": "wakawakawomp"}

selftext:
I have a semi burner email (not my professional or banking email, but I use this email to signup for some online shopping, restaurants, fast food, etc) and literally within the past hour I’ve gotten about 10+ emails stating my name and that my application has been received for a loan and various other things. The domains are coming from:

\- gimmie lend

\- efficient lends

\- feed blitz

\- cache lends

\- clear havens

\- favorite asset

\- your loan club

\- good rich finance 

I have not cli


topic_name: [us] life's over mom got scammed for 200k and she's in 70k debt
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qgut06/us_lifes_over_mom_got_scammed_for_200k_and_shes/
collected_at: 2026-02-12T00:05:12.358816+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qgut06", "score": 440, "num_comments": 97, "created_utc": 1768798294.0, "selftext": "It's as the title says my mom told me she got scammed out of 200k over Whatsapp over the course of a year due to crypto. I didn't even know we had that kind of money i thought we were lower middle class at best. Apparently she cashed out her 401k and her overseas accounts from China also took out 70k in loans. She took it out from crypto.com and put it into this app called konoro which projects 690k in the account but obviously she can't get it out. The guy that got her into this disappeared 2 d", "sort": "top", "upvote_ratio": 0.96, "author": "shadow_wolf76"}

selftext:
It's as the title says my mom told me she got scammed out of 200k over Whatsapp over the course of a year due to crypto. I didn't even know we had that kind of money i thought we were lower middle class at best. Apparently she cashed out her 401k and her overseas accounts from China also took out 70k in loans. She took it out from crypto.com and put it into this app called konoro which projects 690k in the account but obviously she can't get it out. The guy that got her into this disappeared 2 d


topic_name: I only wanted to download 1 of these
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1qgvtj9/i_only_wanted_to_download_1_of_these/
collected_at: 2026-02-12T00:05:17.889501+00:00
autocomplete: []
selftext: Instead i got the other 2 without the software asking. Nice Adobe....
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1qgvtj9", "score": 2093, "num_comments": 88, "created_utc": 1768801423.0, "selftext": "Instead i got the other 2 without the software asking. Nice Adobe....", "sort": "hot", "upvote_ratio": 0.98, "author": "Jaxondevs"}


topic_name: Healing Cavities!
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r080a9/healing_cavities/
collected_at: 2026-02-12T00:05:26.020409+00:00
autocomplete: []
selftext: I hear we can “heal” cavities now! I can’t with this bs. The Monat pivot continues…
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1r080a9", "score": 1395, "num_comments": 284, "created_utc": 1770652789.0, "selftext": "I hear we can \u201cheal\u201d cavities now! \n\nI can\u2019t with this bs. \n\nThe Monat pivot continues\u2026", "sort": "hot", "upvote_ratio": 0.99, "author": "rabies3000"}


topic_name: My sad Combined Insurance story that made me cry...
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r2afgn/my_sad_combined_insurance_story_that_made_me_cry/
collected_at: 2026-02-12T00:05:44.256584+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r2afgn", "score": 0, "num_comments": 2, "created_utc": 1770845791.0, "selftext": "Here's my sad and pathetic Combined Insurance story that has me in tears. We've had two policies for over ten years; never missed or had a late payment.   I filed three claims over the last 6 months by phone as I was locked out of my online portal despite repeated attempts/contacts with CI to fix this (they have no email I can find). Anyways, they deny all three on the basis that \"No documents were received.\"  I re-sent them four times. I have the hospital send them (which I've always done but g", "sort": "hot", "upvote_ratio": 0.33, "author": "Own-Land-9359"}

selftext:
Here's my sad and pathetic Combined Insurance story that has me in tears. We've had two policies for over ten years; never missed or had a late payment.   I filed three claims over the last 6 months by phone as I was locked out of my online portal despite repeated attempts/contacts with CI to fix this (they have no email I can find). Anyways, they deny all three on the basis that "No documents were received."  I re-sent them four times. I have the hospital send them (which I've always done but g


topic_name: Getting sued after insurance paid other driver.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qwe7my/getting_sued_after_insurance_paid_other_driver/
collected_at: 2026-02-12T00:05:47.658304+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qwe7my", "score": 61, "num_comments": 58, "created_utc": 1770274151.0, "selftext": "Hi, so back in May I was in an accident that involved my car and somebody else driving. We were at fault party and accepted it, the other car had no drivers in it. It was just a messed up wrong place wrong time type accident. I called the cops when we were there and they came out to assess everything and then called my insurance the next morning. \n\n   In August progressive finally said that they were going to pay out 10.3k to the other party and up until October, the last time I checked, it had ", "sort": "top", "upvote_ratio": 0.89, "author": "OkNeedleworker11"}

selftext:
Hi, so back in May I was in an accident that involved my car and somebody else driving. We were at fault party and accepted it, the other car had no drivers in it. It was just a messed up wrong place wrong time type accident. I called the cops when we were there and they came out to assess everything and then called my insurance the next morning. 

   In August progressive finally said that they were going to pay out 10.3k to the other party and up until October, the last time I checked, it had 


topic_name: The AI Overview experience is a fever dream
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qwlp53/the_ai_overview_experience_is_a_fever_dream/
collected_at: 2026-02-12T00:05:53.366047+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qwlp53", "score": 0, "num_comments": 3, "created_utc": 1770299174.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.22, "author": "OkDragonfruit55"}


topic_name: Comfy bras on a budget that will hold well for everyday use?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r17wvo/comfy_bras_on_a_budget_that_will_hold_well_for/
collected_at: 2026-02-12T00:06:01.656859+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r17wvo", "score": 41, "num_comments": 52, "created_utc": 1770746261.0, "selftext": "I'm fully in my comfort-first phase but still trying not to overspend. I want something something soft, comfy, afforable, and something that will hold well for everyday use. Right now my top pick is harper wilde because it fits my budget and the quality looks good to me.\n\nHas anyone else tried that brand and what do you think about it? Also if you have other recommendations that I can check out, I'll highly appreciate it!\n\nEdited: I'm a **26AA US**, I honestly do not like wired bras. So if you c", "sort": "hot", "upvote_ratio": 0.89, "author": "caterp1e"}

selftext:
I'm fully in my comfort-first phase but still trying not to overspend. I want something something soft, comfy, afforable, and something that will hold well for everyday use. Right now my top pick is harper wilde because it fits my budget and the quality looks good to me.

Has anyone else tried that brand and what do you think about it? Also if you have other recommendations that I can check out, I'll highly appreciate it!

Edited: I'm a **26AA US**, I honestly do not like wired bras. So if you c


topic_name: Where I see my frugal people fall down sometimes
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qnp6tg/where_i_see_my_frugal_people_fall_down_sometimes/
collected_at: 2026-02-12T00:06:05.044471+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qnp6tg", "score": 1335, "num_comments": 68, "created_utc": 1769453771.0, "selftext": "I am frugal, although not out of necessity anymore but more out of habit. As such, I do have a lot of frugal friends, as frugal people tend to flock together. Some of them are like me, and others are frugal out of necessity (low income, high bills, childrens' expenses, medical expenses, etc.). \n\nSometimes where I see my frugal-by-choice friends falling down is valuing their time at 0. Let me explain. I have a friend who is VERY frugal, more frugal than I am even. He went to the grocery store and", "sort": "top", "upvote_ratio": 0.98, "author": "Cheeseaisleinheaven"}

selftext:
I am frugal, although not out of necessity anymore but more out of habit. As such, I do have a lot of frugal friends, as frugal people tend to flock together. Some of them are like me, and others are frugal out of necessity (low income, high bills, childrens' expenses, medical expenses, etc.). 

Sometimes where I see my frugal-by-choice friends falling down is valuing their time at 0. Let me explain. I have a friend who is VERY frugal, more frugal than I am even. He went to the grocery store and


topic_name: Chase Bank/Cards: internally banned after closed bank accounts?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2e649/chase_bankcards_internally_banned_after_closed/
collected_at: 2026-02-12T00:06:10.587807+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2e649", "score": 1, "num_comments": 0, "created_utc": 1770854698.0, "selftext": "Hey y'all,\n\nI opened a checking/savings account with Chase a couple months ago and my account was locked due to \"suspicious activity,\" and eventually closed by Chase. Beats me as to why, the only thing I could imagine is that I funded it with three evenly-sized transactions from different banks/brokerages. Maybe a bit dumb, but it is what it is. \n\n  \nI have tried using the Chase pre-approval tool a couple of times since, and it keeps telling me that I have no offers and to check back later. I cu", "sort": "hot", "upvote_ratio": 1.0, "author": "CaydenWalked"}

selftext:
Hey y'all,

I opened a checking/savings account with Chase a couple months ago and my account was locked due to "suspicious activity," and eventually closed by Chase. Beats me as to why, the only thing I could imagine is that I funded it with three evenly-sized transactions from different banks/brokerages. Maybe a bit dumb, but it is what it is. 

  
I have tried using the Chase pre-approval tool a couple of times since, and it keeps telling me that I have no offers and to check back later. I cu


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qd5y1j/psa_bilt_20_hidden_change_rentmortgage_payments/
collected_at: 2026-02-12T00:06:13.782020+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
PSA: BILT 2.0 Hidden Change - Rent/Mortgage payments will no longer be charged to your line of credit. It will be "taken directly from your linked ACH".

metadata:
{"subreddit": "CreditCards", "post_id": "1qd5y1j", "score": 247, "num_comments": 103, "created_utc": 1768440578.0, "selftext": "Quoted from Richard Kerr, GM of Travel at Bilt, himself in an AMA from earlier this afternoon, once the transition to BILT 2.0 begins on 2/7, housing payments will no longer be charged to your credit line (source: [ https://www.reddit.com/r/biltrewards/comments/1qcxa3v/im\\_richard\\_kerr\\_gm\\_of\\_travel\\_for\\_bilt\\_ama\\_about/nzlnxgr/ ](https://www.reddit.com/r/biltrewards/comments/1qcxa3v/im_richard_kerr_gm_of_travel_for_bilt_ama_about/nzlnxgr/))\n\nThis will affect every current BILT 1.0 Card own", "sort": "top", "upvote_ratio": 0.98, "author": "PiFlavoredPie"}

selftext:
Quoted from Richard Kerr, GM of Travel at Bilt, himself in an AMA from earlier this afternoon, once the transition to BILT 2.0 begins on 2/7, housing payments will no longer be charged to your credit line (source: [ https://www.reddit.com/r/biltrewards/comments/1qcxa3v/im\_richard\_kerr\_gm\_of\_travel\_for\_bilt\_ama\_about/nzlnxgr/ ](https://www.reddit.com/r/biltrewards/comments/1qcxa3v/im_richard_kerr_gm_of_travel_for_bilt_ama_about/nzlnxgr/))

This will affect every current BILT 1.0 Card own


topic_name: Brother being forced into partition sale by absent co-owner &amp; neurotic daughter
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2390q/brother_being_forced_into_partition_sale_by/
collected_at: 2026-02-12T00:06:18.920782+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2390q", "score": 16, "num_comments": 2, "created_utc": 1770830086.0, "selftext": "He's had this duplex for ages, around 20 years, and generally with little to no issue until recently. They haven't really been the biggest fans of my brother, the other co-owner of the duplex, but he's made repairs and helped with handywork. \n\nHowever, the other co-owner has a daughter, who recently started living there again. She acts like she owns the place, parking wherever she wants, using our side like its hers, blasting music, completely disrespectful. It was fine, we were willing to look ", "sort": "hot", "upvote_ratio": 0.74, "author": "strawmaniacs"}

selftext:
He's had this duplex for ages, around 20 years, and generally with little to no issue until recently. They haven't really been the biggest fans of my brother, the other co-owner of the duplex, but he's made repairs and helped with handywork. 

However, the other co-owner has a daughter, who recently started living there again. She acts like she owns the place, parking wherever she wants, using our side like its hers, blasting music, completely disrespectful. It was fine, we were willing to look 


topic_name: Our venue cancelled on us because of a double booking but we booked first!
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qd8lj9/our_venue_cancelled_on_us_because_of_a_double/
collected_at: 2026-02-12T00:06:22.356455+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qd8lj9", "score": 2091, "num_comments": 84, "created_utc": 1768447735.0, "selftext": "Location: California\n\nWe booked and signed a contract paid in full in May 2025, for May 16, 2026.\n\nOn Monday, the assistant called saying they double booked and that we had booked first and to wish her luck in calling the other clients. She calls me back saying if there was any chance I could move the date because the other party had sent invites. I was willing to help and did call the church, but they didn\u2019t have anything else available for May, and told her we can\u2019t because the next availabili", "sort": "top", "upvote_ratio": 0.97, "author": "jaranine"}

selftext:
Location: California

We booked and signed a contract paid in full in May 2025, for May 16, 2026.

On Monday, the assistant called saying they double booked and that we had booked first and to wish her luck in calling the other clients. She calls me back saying if there was any chance I could move the date because the other party had sent invites. I was willing to help and did call the church, but they didn’t have anything else available for May, and told her we can’t because the next availabili


topic_name: LPT: When a conversation turns into a public interrogation, move it to a private channel fast.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qyr1hq/lpt_when_a_conversation_turns_into_a_public/
collected_at: 2026-02-12T00:06:28.285956+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qyr1hq", "score": 3404, "num_comments": 95, "created_utc": 1770502265.0, "selftext": "If someone asks a personal question in front of others and it feels like pressure, do not answer on the spot.\n\nUse one calm line, for example:\n\nI will message you about that. Then change the topic.\n\nIf you need a firmer boundary, use: I do not think that is appropriate to discuss here.\n\nIf they keep pushing, turn it back once and stop there: Why are you asking? Then pause.\n\nThe goal is to set a boundary without starting a scene.", "sort": "hot", "upvote_ratio": 0.95, "author": "gamersecret2"}

selftext:
If someone asks a personal question in front of others and it feels like pressure, do not answer on the spot.

Use one calm line, for example:

I will message you about that. Then change the topic.

If you need a firmer boundary, use: I do not think that is appropriate to discuss here.

If they keep pushing, turn it back once and stop there: Why are you asking? Then pause.

The goal is to set a boundary without starting a scene.


topic_name: These desks are common and BIFL
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1eask/these_desks_are_common_and_bifl/
collected_at: 2026-02-12T00:06:36.789580+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1eask", "score": 170, "num_comments": 41, "created_utc": 1770760060.0, "selftext": "Never mind the stuff around the desk. These institutional desks are very common in Canada, pretty easy to take apart and put together, and absolutely rock solid. I have 3 variants floating around my house; this one I've had for over a decade, and I've moved it at least half a dozen times.\n\n  \nI'd actually like to find more info about them, and particularly why there are subtle differences (one of the ones I have uses metal drawers, for example).", "sort": "hot", "upvote_ratio": 0.91, "author": "nintendoeats"}

selftext:
Never mind the stuff around the desk. These institutional desks are very common in Canada, pretty easy to take apart and put together, and absolutely rock solid. I have 3 variants floating around my house; this one I've had for over a decade, and I've moved it at least half a dozen times.

  
I'd actually like to find more info about them, and particularly why there are subtle differences (one of the ones I have uses metal drawers, for example).


topic_name: Hamilton Beach mixer from great grandmother
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qk4x7i/hamilton_beach_mixer_from_great_grandmother/
collected_at: 2026-02-12T00:06:40.492167+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qk4x7i", "score": 2269, "num_comments": 71, "created_utc": 1769111791.0, "selftext": "I\u2019ve been geeking out about this for an hour and hope it\u2019s okay to share here. My mom gave me this mixer recently that she thinks was a wedding gift to my great grandmother. The bottom, as you can see in the second picture, says \u201c Canadian patents 1938\u201d. I\u2019m not sure what year it was actually gifted or if 1938 is even the same year it was built but I gave it a good clean, plugged it in and it still works! It also still has the original bowls along with it and they are in pretty good condition as", "sort": "top", "upvote_ratio": 0.99, "author": "said_no_womanEVER"}

selftext:
I’ve been geeking out about this for an hour and hope it’s okay to share here. My mom gave me this mixer recently that she thinks was a wedding gift to my great grandmother. The bottom, as you can see in the second picture, says “ Canadian patents 1938”. I’m not sure what year it was actually gifted or if 1938 is even the same year it was built but I gave it a good clean, plugged it in and it still works! It also still has the original bowls along with it and they are in pretty good condition as


topic_name: Looking for confirmation on my retirement plan
source: reddit
region: global
collected_at: 2026-02-12T00:06:46.999948+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qyxnr8/looking_for_confirmation_on_my_retirement_plan/

metadata:
{"subreddit": "financialindependence", "post_id": "1qyxnr8", "score": 0, "num_comments": 17, "created_utc": 1770519922.0, "selftext": "Hi all, looking for a math sanity check on my FI plan. I\u2019ve run the numbers a lot and want outside validation, thank you so much!\n\n**Basics**\n\n\u2022\tLocation: California\n\n\u2022\tAge now: \\\\\\~32\u201333\n\n\u2022\tTarget retirement age: 42\u201343\n\n\u2022\tKids: No\n\n\u2022\tTarget FI number: $4,000,000 invested (excluding home equity)\n\n\u2022\tPlanned withdrawal rate: 3.5\u20134% (\\\\\\~$140k\u2013$160k/year)\n\n\u2022\tCurrent total savings including 401k ($12k, I know I didn't save well during my twenties, but have the blessing of being able to start new)\n\n*", "sort": "hot", "upvote_ratio": 0.27, "author": "kraemoprana"}

selftext:
Hi all, looking for a math sanity check on my FI plan. I’ve run the numbers a lot and want outside validation, thank you so much!

**Basics**

•	Location: California

•	Age now: \\\~32–33

•	Target retirement age: 42–43

•	Kids: No

•	Target FI number: $4,000,000 invested (excluding home equity)

•	Planned withdrawal rate: 3.5–4% (\\\~$140k–$160k/year)

•	Current total savings including 401k ($12k, I know I didn't save well during my twenties, but have the blessing of being able to start new)

*


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397169+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the implications of a "nation of renters" versus a nation of homeowners, and how do housing policies shape the economy and society?

metadata:
{"original_headline": "Trump Decries a \u2018Nation of Renters\u2019 but His New Policy Promotes One - The New York Times", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: what Yoonchae did after she saw her doing this? 😅 #katseye #yoonchae #megan
source: youtube
region: US
url: https://youtube.com/watch?v=HQPaI457Jgk
collected_at: 2026-02-12T00:04:30.534787
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "HQPaI457Jgk", "channel": "W.O Kpop (World of KPOP)", "category": "Entertainment", "category_id": 24, "views": "12142428", "view_count": 12142428, "likes": "341183", "published_at": "2026-02-08T09:00:00Z"}


topic_name: The way it started as a cute gesture and became a long tradition between this player and reporter 🥹
source: youtube
region: CA
url: https://youtube.com/watch?v=lhFIolfzlI0
collected_at: 2026-02-12T00:04:31.717997
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "lhFIolfzlI0", "channel": "POPVEIN", "category": "Sports", "category_id": 17, "views": "14029347", "view_count": 14029347, "likes": "612128", "published_at": "2026-01-31T02:23:20Z"}


topic_name: Why would my husbands ex be asking us to claim both kids on our taxes?
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814813+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r148vr/why_would_my_husbands_ex_be_asking_us_to_claim/

metadata:
{"subreddit": "personalfinance", "post_id": "1r148vr", "score": 607, "num_comments": 122, "created_utc": 1770738332.0, "selftext": "My husbands ex wife usually wants to claim both kids on the taxes but this year she wants us to claim both of them. I thought I read it wrong, but idk why she would want to do that. \n\nShe worked half the year at a government job and quit in June 25, and didn\u2019t have steady employment since. My husband says he thinks it\u2019s because she didn\u2019t work very much, but wouldn\u2019t that make her want to claim them?\n\nShe got married in 2023 but the guy was there for like a month and we never saw him again. She ", "sort": "hot", "upvote_ratio": 0.93, "author": "Emotional-Actuary830"}

selftext:
My husbands ex wife usually wants to claim both kids on the taxes but this year she wants us to claim both of them. I thought I read it wrong, but idk why she would want to do that. 

She worked half the year at a government job and quit in June 25, and didn’t have steady employment since. My husband says he thinks it’s because she didn’t work very much, but wouldn’t that make her want to claim them?

She got married in 2023 but the guy was there for like a month and we never saw him again. She 


topic_name: Using credit cards instead of debit card.
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qwzzub/using_credit_cards_instead_of_debit_card/
collected_at: 2026-02-12T00:04:45.418129+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qwzzub", "score": 924, "num_comments": 533, "created_utc": 1770330932.0, "selftext": "The bank teller noticed I had a lot of recurring charges at the grocery store and gas station in my checking account. She mentioned using a credit card instead of my debit card and paying it off before the end of the month. How helpful is that to building credit, assuming I actually stick to the plan monthly and not accumulating a balance. This is a high interest card with a $5000 limit. ", "sort": "top", "upvote_ratio": 0.89, "author": "FlounderAgitated9058"}

selftext:
The bank teller noticed I had a lot of recurring charges at the grocery store and gas station in my checking account. She mentioned using a credit card instead of my debit card and paying it off before the end of the month. How helpful is that to building credit, assuming I actually stick to the plan monthly and not accumulating a balance. This is a high interest card with a $5000 limit. 


topic_name: Need advice on loan.
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1mx9l/need_advice_on_loan/
collected_at: 2026-02-12T00:04:50.635651+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1mx9l", "score": 9, "num_comments": 4, "created_utc": 1770782051.0, "selftext": "So I am a broke girl with bad credit from a stupid decision years ago and had to purchase a car. Due to bad credit I went to Americas Car Mart. I needed the car to keep my job that is 45 miles away from my small town. I did what I had to in a very real very big pinch which was buy a car that had 139,000 miles already. This car was purchased around April of 2025 and has already broken down 5 times (yes right after the dealership warranty expired) \n\nFirst it was my ignition coils, then my upstream", "sort": "hot", "upvote_ratio": 1.0, "author": "Necessary-Camel-1305"}

selftext:
So I am a broke girl with bad credit from a stupid decision years ago and had to purchase a car. Due to bad credit I went to Americas Car Mart. I needed the car to keep my job that is 45 miles away from my small town. I did what I had to in a very real very big pinch which was buy a car that had 139,000 miles already. This car was purchased around April of 2025 and has already broken down 5 times (yes right after the dealership warranty expired) 

First it was my ignition coils, then my upstream


topic_name: How do dealerships deal with blizzards?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qjct2e/how_do_dealerships_deal_with_blizzards/
collected_at: 2026-02-12T00:04:53.860220+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qjct2e", "score": 66, "num_comments": 85, "created_utc": 1769035311.0, "selftext": "Let\u2019s say you work for a dealer with a giant lot - hundreds of cars outside, in the Northeast, which is about to get blasted in the ass with 12+ inches of snow, followed by a week of subzero temperatures.\n\n  \nDo you try to clear them off?  You would have to in order to move them, and to plow the lot, right?  Who is the poor sucker who gets to do that?", "sort": "top", "upvote_ratio": 0.88, "author": "PM_ME_UR_BGP_PREFIX"}

selftext:
Let’s say you work for a dealer with a giant lot - hundreds of cars outside, in the Northeast, which is about to get blasted in the ass with 12+ inches of snow, followed by a week of subzero temperatures.

  
Do you try to clear them off?  You would have to in order to move them, and to plow the lot, right?  Who is the poor sucker who gets to do that?


topic_name: Need advice on how to help my cousins
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r24fxq/need_advice_on_how_to_help_my_cousins/
collected_at: 2026-02-12T00:04:59.457413+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r24fxq", "score": 5, "num_comments": 8, "created_utc": 1770832623.0, "selftext": "I need advice on how to help my cousins that I am concerned are getting a really bad upbringing regarding finances. I am the oldest \"kid\" in our family and my 3 cousins are just barely hitting their 20s. I am doing well financially but it is because my parents taught me how. I am definitely not perfect and still learning. \n\nBasically, I found out from my cousins that there has been some financial problems among them. To my understanding, their parents are in deep debt and have involved their kid", "sort": "hot", "upvote_ratio": 1.0, "author": "Crunchy_Plantain"}

selftext:
I need advice on how to help my cousins that I am concerned are getting a really bad upbringing regarding finances. I am the oldest "kid" in our family and my 3 cousins are just barely hitting their 20s. I am doing well financially but it is because my parents taught me how. I am definitely not perfect and still learning. 

Basically, I found out from my cousins that there has been some financial problems among them. To my understanding, their parents are in deep debt and have involved their kid


topic_name: I saved up enough to finally get my first vehicle!
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489166+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qj7on5/i_saved_up_enough_to_finally_get_my_first_vehicle/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qj7on5", "score": 3028, "num_comments": 86, "created_utc": 1769023869.0, "selftext": "Hey everyone, first time posting here but wanted to share some good news\n\nSo I've been walking everywhere for the past two years since I couldn't afford any transportation. In my country Vespas are way more common than cars and honestly way cheaper too. Been saving up every penny from my part-time gig at a local shop and some luck on Stak\u0435.\n\nFinally scraped together enough to buy a used 2018 Vespa from this guy who was moving abroad. It's got some scratches but runs perfectly and cost me about 4", "sort": "top", "upvote_ratio": 0.99, "author": "FoodDelicious3196"}

selftext:
Hey everyone, first time posting here but wanted to share some good news

So I've been walking everywhere for the past two years since I couldn't afford any transportation. In my country Vespas are way more common than cars and honestly way cheaper too. Been saving up every penny from my part-time gig at a local shop and some luck on Stakе.

Finally scraped together enough to buy a used 2018 Vespa from this guy who was moving abroad. It's got some scratches but runs perfectly and cost me about 4


topic_name: [US] Weird insulting spam emails?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1z9cv/us_weird_insulting_spam_emails/
collected_at: 2026-02-12T00:05:08.886623+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1z9cv", "score": 6, "num_comments": 19, "created_utc": 1770821145.0, "selftext": "I\u2019ve been getting emails that go straight to my spam that read something like \u201cwhy are you letting your dog poop in my yard you fucking donkey\u201d or \u201cstop fucking my husband you bitch\u201d with a lot of weird random symbols and overuse of emojis. They make me laugh every time I get them but I\u2019m curious what the end goal is. There\u2019s no threats, no links, just constant insults. Are they hoping someone will reply and they can \u201cblackmail\u201d them or?", "sort": "hot", "upvote_ratio": 0.69, "author": "AlanaLlama_"}

selftext:
I’ve been getting emails that go straight to my spam that read something like “why are you letting your dog poop in my yard you fucking donkey” or “stop fucking my husband you bitch” with a lot of weird random symbols and overuse of emojis. They make me laugh every time I get them but I’m curious what the end goal is. There’s no threats, no links, just constant insults. Are they hoping someone will reply and they can “blackmail” them or?


topic_name: Received a "DEA" letter
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qua24u/received_a_dea_letter/
collected_at: 2026-02-12T00:05:12.358820+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qua24u", "score": 391, "num_comments": 397, "created_utc": 1770071633.0, "selftext": "Im based in Florida, I received this letter yesterday. Is this a scam? I saw other people got this letter too in another sub.\n\nThis letter is to inform you that you have been identified as a potential witness in a federal investigation being conducted in the Eastern District of New York concerning felony violations of U.S. federal law, including but not limited to mail fraud, wire fraud, money laundering, distribution and possession with intent to distribute controlled substances, misbranded dru", "sort": "top", "upvote_ratio": 0.94, "author": "Few_Syllabub6304"}

selftext:
Im based in Florida, I received this letter yesterday. Is this a scam? I saw other people got this letter too in another sub.

This letter is to inform you that you have been identified as a potential witness in a federal investigation being conducted in the Eastern District of New York concerning felony violations of U.S. federal law, including but not limited to mail fraud, wire fraud, money laundering, distribution and possession with intent to distribute controlled substances, misbranded dru


topic_name: [META] Welcome back, this specific wording on Rule 6.
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889505+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1qgryor/meta_welcome_back_this_specific_wording_on_rule_6/

metadata:
{"subreddit": "assholedesign", "post_id": "1qgryor", "score": 305, "num_comments": 41, "created_utc": 1768790112.0, "selftext": "I remember when this was a part of the rules. Specifically:\n\n\"Anything to do with Reddit, YouTube, Google, G2A, Quora, Facebook, Twitter, TikTok, or other massively well-known websites. **Literally anything**.\"\n\nBut that got removed like two years ago. I'm glad to see that it's come back, since I'm tired of seeing posts about well-known websites.\n\nI know the mods are trying their best, and they're doing pretty well at that. But having that specific wording under Rule 6 will hopefully either decr", "sort": "hot", "upvote_ratio": 0.86, "author": "iamtheduckie"}

selftext:
I remember when this was a part of the rules. Specifically:

"Anything to do with Reddit, YouTube, Google, G2A, Quora, Facebook, Twitter, TikTok, or other massively well-known websites. **Literally anything**."

But that got removed like two years ago. I'm glad to see that it's come back, since I'm tired of seeing posts about well-known websites.

I know the mods are trying their best, and they're doing pretty well at that. But having that specific wording under Rule 6 will hopefully either decr


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r0rzhu/5_of_my_linkedin_network_is_now_just_amway_bots/
collected_at: 2026-02-12T00:05:26.020426+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
5% of my LinkedIn network is now just Amway bots. We are supposed to be the most educated generation, why are we so gullible?

metadata:
{"subreddit": "antiMLM", "post_id": "1r0rzhu", "score": 39, "num_comments": 8, "created_utc": 1770700385.0, "selftext": "I need to vent. I\u2019m a young adult in the early stages of my career. I live in a country that prides itself on being a \"Smart Nation\"\u2014we have world-class universities, massive government funding for education, and practically universal access to higher ed. If you want a degree here, you can get one.\n\nWe are, on paper, the most \"educated\" generation in history.\n\nSo why the hell is my LinkedIn inbox filled with people\u2014many with Bachelor's and Master's degrees\u2014pitching me **Amway**?\n\nI did a quick a", "sort": "hot", "upvote_ratio": 0.91, "author": "SwiftAndDecisive"}

selftext:
I need to vent. I’m a young adult in the early stages of my career. I live in a country that prides itself on being a "Smart Nation"—we have world-class universities, massive government funding for education, and practically universal access to higher ed. If you want a degree here, you can get one.

We are, on paper, the most "educated" generation in history.

So why the hell is my LinkedIn inbox filled with people—many with Bachelor's and Master's degrees—pitching me **Amway**?

I did a quick a


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qko287/the_time_a_scentsy_hun_assaulted_me_because_i/
collected_at: 2026-02-12T00:05:30.135091+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
The time a scentsy hun assaulted me because I have a fragrance allergy and I asked her not to use samples in the classroom

metadata:
{"subreddit": "antiMLM", "post_id": "1qko287", "score": 554, "num_comments": 72, "created_utc": 1769166699.0, "selftext": "I already posted this story a long time ago but I deleted that account. I figure I'd repost this story about why I freaking hate scentsy. \n\nI was in college and the Hun was what we called a mature student. She was in her 40s and was in my program. One problem I've always had is that I have a fragrance allergy/sensitivity. I also recently was diagnosed with asthma and I've probably had it all my life. When I'm exposed to fragrance I get itchy, get a rash and most inconveniently my breathing gets ", "sort": "top", "upvote_ratio": 0.96, "author": "[deleted]"}

selftext:
I already posted this story a long time ago but I deleted that account. I figure I'd repost this story about why I freaking hate scentsy. 

I was in college and the Hun was what we called a mature student. She was in her 40s and was in my program. One problem I've always had is that I have a fragrance allergy/sensitivity. I also recently was diagnosed with asthma and I've probably had it all my life. When I'm exposed to fragrance I get itchy, get a rash and most inconveniently my breathing gets 


topic_name: Personal Lines Claims
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r2af10/personal_lines_claims/
collected_at: 2026-02-12T00:05:44.256588+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r2af10", "score": 1, "num_comments": 1, "created_utc": 1770845763.0, "selftext": "Looking for help on an agency issue with personal lines claims. My grandmother has a boutique personal lines agency in Florida. They have been in business since the 70s and are not quick to adopt new ideas to fix old issues. Currently their claims procedure is to have her (an 86 year old woman) file all new claims via carrier website. As you can imagine during CAT season this quickly gets out of hand and she becomes backlogged with FNOLs\n\n  \nI am wondering if anyone else has experienced this iss", "sort": "hot", "upvote_ratio": 1.0, "author": "FinSureIQ"}

selftext:
Looking for help on an agency issue with personal lines claims. My grandmother has a boutique personal lines agency in Florida. They have been in business since the 70s and are not quick to adopt new ideas to fix old issues. Currently their claims procedure is to have her (an 86 year old woman) file all new claims via carrier website. As you can imagine during CAT season this quickly gets out of hand and she becomes backlogged with FNOLs

  
I am wondering if anyone else has experienced this iss


topic_name: Girlfriend stopped short of accident in front of her and driver is claiming she hit him.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qk6iut/girlfriend_stopped_short_of_accident_in_front_of/
collected_at: 2026-02-12T00:05:47.658308+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qk6iut", "score": 59, "num_comments": 64, "created_utc": 1769115380.0, "selftext": "So my girlfriend was driving behind 2 cars - the car in front of her hit the car in front of him from behind. And there was serious damage to both these cars. My girlfriend says she jammed on her brakes and stopped just in time inches from his bumper. She got out to make sure everyone was ok. But the guy in front of her said he felt her car hitting his. She said what he felt was the impact from the front end collision he just had. And there\u2019s zero visible damage on his rear bumper or my girlfrie", "sort": "top", "upvote_ratio": 0.92, "author": "SwimmingDeep8703"}

selftext:
So my girlfriend was driving behind 2 cars - the car in front of her hit the car in front of him from behind. And there was serious damage to both these cars. My girlfriend says she jammed on her brakes and stopped just in time inches from his bumper. She got out to make sure everyone was ok. But the guy in front of her said he felt her car hitting his. She said what he felt was the impact from the front end collision he just had. And there’s zero visible damage on his rear bumper or my girlfrie


topic_name: Reddit age verification
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qvnhgk/reddit_age_verification/
collected_at: 2026-02-12T00:05:53.366051+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qvnhgk", "score": 2, "num_comments": 2, "created_utc": 1770208789.0, "selftext": "So it seems I need to go through the age verification process (and frankly, fuck that) in order to see ...my own profile?\n\nWow. ", "sort": "hot", "upvote_ratio": 0.63, "author": "dmje"}

selftext:
So it seems I need to go through the age verification process (and frankly, fuck that) in order to see ...my own profile?

Wow. 


topic_name: Best Frugal Tips for First Apartment?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r17kzb/best_frugal_tips_for_first_apartment/
collected_at: 2026-02-12T00:06:01.656863+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r17kzb", "score": 11, "num_comments": 14, "created_utc": 1770745549.0, "selftext": "We\u2019re moving into our first apartment shortly after living on a housing contract out of the country where basically everything was provided for us (food, kitchen supplies, bedding, etc). Now that we\u2019re starting off on our own, does anyone have any frugal tips for moving into a first apartment? We\u2019re definitely not opposed to buying secondhand anything. All we have moving back are clothes, shoes, some personal toiletries, and a few souvenirs from our adventures. ", "sort": "hot", "upvote_ratio": 0.78, "author": "ConstantFabulous2155"}

selftext:
We’re moving into our first apartment shortly after living on a housing contract out of the country where basically everything was provided for us (food, kitchen supplies, bedding, etc). Now that we’re starting off on our own, does anyone have any frugal tips for moving into a first apartment? We’re definitely not opposed to buying secondhand anything. All we have moving back are clothes, shoes, some personal toiletries, and a few souvenirs from our adventures. 


topic_name: What can I do with a massive number of lemons
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qim7om/what_can_i_do_with_a_massive_number_of_lemons/
collected_at: 2026-02-12T00:06:05.044474+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qim7om", "score": 1315, "num_comments": 1081, "created_utc": 1768964365.0, "selftext": "This week we were visiting a relative who has a Eureka lemon tree.  We left with two big bags of lemons.  I could not stop myself from picking them.  Now we are back home in snow country.   \n\nThis is the first time I have ever had a ridiculous number of lemons.  If there are any lemon experts out there on Reddit, I would appreciate your input.  After I make a pie, what else can I do?", "sort": "top", "upvote_ratio": 0.98, "author": "Suspicious-Cat8623"}

selftext:
This week we were visiting a relative who has a Eureka lemon tree.  We left with two big bags of lemons.  I could not stop myself from picking them.  Now we are back home in snow country.   

This is the first time I have ever had a ridiculous number of lemons.  If there are any lemon experts out there on Reddit, I would appreciate your input.  After I make a pie, what else can I do?


topic_name: Looking for a SUB and potential card to build up future cash back rotation (if not already maxed)
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2e61n/looking_for_a_sub_and_potential_card_to_build_up/
collected_at: 2026-02-12T00:06:10.587811+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2e61n", "score": 1, "num_comments": 1, "created_utc": 1770854693.0, "selftext": "CREDIT PROFILE\n\n  \n\n\\* Current credit cards you are the primary account holder of:\n\n   \\* Discover IT\n\n   \\* Citi Custom Cash\n\n   \\* Us Bank Cash+\n\n   \\* Amex Everyday\n\n   \\* Wellsfargo Active Cash\n\n   \\* Robinhood Gold\n\n   \\* PayPal Debit\n\n\\* FICO scores with source: 730\n\n\\* Oldest credit card account age: 6 years, 6 months \n\n\\* Cards approved in the past 6 months: 1\n\n\\* Cards approved in the past 12 months: 4\n\n\\* Cards approved in the past 24 months: 4\n\n\\* Annual income $: 63,000\n\nCATEGORIES\n\n", "sort": "hot", "upvote_ratio": 1.0, "author": "atierney14"}

selftext:
CREDIT PROFILE

  

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

   \* Discover IT

   \* Citi Custom Cash

   \* Us Bank Cash+

   \* Amex Everyday

   \* Wellsfargo Active Cash

   \* Robinhood Gold

   \* PayPal Debit

\* FICO scores with source: 730

\* Oldest credit card account age: 6 years, 6 months 

\* Cards approved in the past 6 months: 1

\* Cards approved in the past 12 months: 4

\* Cards approved in the past 24 months: 4

\* Annual income $: 63,000

CATEGORIES


topic_name: Bank of America to announce reworked rewards program this month
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qy144u/bank_of_america_to_announce_reworked_rewards/
collected_at: 2026-02-12T00:06:13.782024+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qy144u", "score": 207, "num_comments": 94, "created_utc": 1770429845.0, "selftext": "**Bank of America Revamping Credit Card Rewards to Fuel Consumer Growth**\n\nIt seems like they're looking to grow, so hopefully that doesn't mean nerfs but rather doubling down on cash back and existing co-brand partners.\n\nFrom the [Bloomberg article](https://www.bloomberg.com/news/articles/2026-02-05/bank-of-america-uses-credit-card-rewards-ai-to-grow-consumer-business?embedded-checkout=true) ([free Yahoo version here](https://finance.yahoo.com/news/bofa-reworks-credit-cards-fuel-114000513.html?", "sort": "top", "upvote_ratio": 1.0, "author": "EarnItBack"}

selftext:
**Bank of America Revamping Credit Card Rewards to Fuel Consumer Growth**

It seems like they're looking to grow, so hopefully that doesn't mean nerfs but rather doubling down on cash back and existing co-brand partners.

From the [Bloomberg article](https://www.bloomberg.com/news/articles/2026-02-05/bank-of-america-uses-credit-card-rewards-ai-to-grow-consumer-business?embedded-checkout=true) ([free Yahoo version here](https://finance.yahoo.com/news/bofa-reworks-credit-cards-fuel-114000513.html?


topic_name: US Mint denied claim for misdelivered/stolen package and I'm out ~$3,000
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r1fjd3/us_mint_denied_claim_for_misdeliveredstolen/
collected_at: 2026-02-12T00:06:18.920786+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1fjd3", "score": 425, "num_comments": 34, "created_utc": 1770762892.0, "selftext": "In November 2025 I purchased a gold coin from the US Mint worth close to $3,000. USPS tracking indicates it was signed for by \"D DFDDF\" (obviously not a real name) and I have not received the package. I live alone. Not sure if the mailman stole it and then signed a fake name or if it was misdelivered to someone who didn't want to sign their real name. As soon as I realized my package was missing, I immediately submitted a Certificate of Non-Receipt (which is their official process to deal with t", "sort": "hot", "upvote_ratio": 0.93, "author": "HighChurnoverRate"}

selftext:
In November 2025 I purchased a gold coin from the US Mint worth close to $3,000. USPS tracking indicates it was signed for by "D DFDDF" (obviously not a real name) and I have not received the package. I live alone. Not sure if the mailman stole it and then signed a fake name or if it was misdelivered to someone who didn't want to sign their real name. As soon as I realized my package was missing, I immediately submitted a Certificate of Non-Receipt (which is their official process to deal with t


topic_name: Manager contacted metlife and told them im faking being disabled
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356458+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qepp9j/manager_contacted_metlife_and_told_them_im_faking/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qepp9j", "score": 2079, "num_comments": 50, "created_utc": 1768591811.0, "selftext": "Location: Tennessee  and Mississippi\n\nBackground: Ive worked for this company for 10.5 years, and been promoted 4 times.  I never was written up until last year when we got a new manager.  I also have a legally protected disability, and I was hired with accomadations.\n\nSince this manager started in March of 2025, ive gotten 9 written warnings, 22 write ups, and 13 suspensions. I was investigated under accusations that I was stealing money (I dont work with the money), got suspended for \"being la", "sort": "top", "upvote_ratio": 0.97, "author": "th_rowaw_ay6400"}

selftext:
Location: Tennessee  and Mississippi

Background: Ive worked for this company for 10.5 years, and been promoted 4 times.  I never was written up until last year when we got a new manager.  I also have a legally protected disability, and I was hired with accomadations.

Since this manager started in March of 2025, ive gotten 9 written warnings, 22 write ups, and 13 suspensions. I was investigated under accusations that I was stealing money (I dont work with the money), got suspended for "being la


topic_name: LPT: Start your weekend with one tiny “anchor” habit to make it feel longer
source: reddit
region: global
collected_at: 2026-02-12T00:06:28.285960+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qyfwe5/lpt_start_your_weekend_with_one_tiny_anchor_habit/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qyfwe5", "score": 5478, "num_comments": 98, "created_utc": 1770476301.0, "selftext": "For a long time my weekends felt like they just vanished. Even on weeks where I barely  had plans, it was suddenly sunday night again and I had no idea where the time went. What helped more than I expected was adding one very small habit right at the start of the weekend. For me it\u2019s usually a slow breakfast with no phone, or a short walk around the block before I do anything else. It sounds kinda pointless, but it draws a  clear line between work brain and weekend brain. \n\nThe important part is", "sort": "hot", "upvote_ratio": 0.98, "author": "gl111ch_orbit"}

selftext:
For a long time my weekends felt like they just vanished. Even on weeks where I barely  had plans, it was suddenly sunday night again and I had no idea where the time went. What helped more than I expected was adding one very small habit right at the start of the weekend. For me it’s usually a slow breakfast with no phone, or a short walk around the block before I do anything else. It sounds kinda pointless, but it draws a  clear line between work brain and weekend brain. 

The important part is


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qeufi3/lpt_to_disable_biometric_data_on_your_iphone_so/
collected_at: 2026-02-12T00:06:31.302066+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT To disable biometric data on your Iphone so police can’t get into it hold down the power and volume buttons simultaneously for 2 seconds

metadata:
{"subreddit": "LifeProTips", "post_id": "1qeufi3", "score": 5967, "num_comments": 470, "created_utc": 1768602797.0, "selftext": "Police officers can hold your Iphone up to your face or use your thumb to unlock your phone. But if your pin code is on your phone, they are not allowed to access it without a warrant. To prevent them taking your phone from you and holding it up to your face to unlock it you can disable the biometrics data in seconds. You hold down the power and volume button for two seconds, which will bring up the screen asking you if you want to restart the phone. At that point, the biometric data will be tur", "sort": "top", "upvote_ratio": 0.94, "author": "gartlandish"}

selftext:
Police officers can hold your Iphone up to your face or use your thumb to unlock your phone. But if your pin code is on your phone, they are not allowed to access it without a warrant. To prevent them taking your phone from you and holding it up to your face to unlock it you can disable the biometrics data in seconds. You hold down the power and volume button for two seconds, which will bring up the screen asking you if you want to restart the phone. At that point, the biometric data will be tur


topic_name: RCA digital clock. Classic 2000’s blue led lights
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1iwgx/rca_digital_clock_classic_2000s_blue_led_lights/
collected_at: 2026-02-12T00:06:36.789583+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1iwgx", "score": 95, "num_comments": 14, "created_utc": 1770771171.0, "selftext": "Other than a few buttons that need a little patience when pressed, this thing must be about 15+ years old now. Back when they made everything digital with the blue led lights ", "sort": "hot", "upvote_ratio": 0.95, "author": "SpliffyTetra"}

selftext:
Other than a few buttons that need a little patience when pressed, this thing must be about 15+ years old now. Back when they made everything digital with the blue led lights 


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qcaeat/i_called_out_the_leaf_razor_company_about_their/
collected_at: 2026-02-12T00:06:40.492172+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
I called out the Leaf Razor company about their warranty on Instagram and they updated their website

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qcaeat", "score": 1884, "num_comments": 188, "created_utc": 1768355558.0, "selftext": "I was looking into buying a Leaf Razor and saw that many people have had to replace theirs over the years due to faulty parts. \n\nThey're phasing out their current Leaf Razor and selling their final inventory at a lowered price as an upgraded model will release in a week. \n\nEven though a limited warranty was advertised on the product page (screenshot shown), I commented on their Instagram post to make sure the Leaf Razors they're currently selling will still be backed by such lifetime warranty. T", "sort": "top", "upvote_ratio": 0.98, "author": "snoopy2467"}

selftext:
I was looking into buying a Leaf Razor and saw that many people have had to replace theirs over the years due to faulty parts. 

They're phasing out their current Leaf Razor and selling their final inventory at a lowered price as an upgraded model will release in a week. 

Even though a limited warranty was advertised on the product page (screenshot shown), I commented on their Instagram post to make sure the Leaf Razors they're currently selling will still be backed by such lifetime warranty. T


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397171+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
How do hackers exploit zero-day bugs, and what measures can individuals and companies take to protect themselves from these types of cyber attacks?

metadata:
{"original_headline": "Microsoft says hackers are exploiting critical zero-day bugs to target Windows and Office users - TechCrunch", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: He couldn't control his speech.|I Swear (2025)#cinema #movie #shorts
source: youtube
region: US
url: https://youtube.com/watch?v=etFwLTck3Js
collected_at: 2026-02-12T00:04:30.534665
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "etFwLTck3Js", "channel": "Deblo Lydiaf", "category": "Entertainment", "category_id": 24, "views": "11863882", "view_count": 11863882, "likes": "705186", "published_at": "2026-02-06T10:13:00Z"}


topic_name: Ideas to increase spouse’s credit score
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2bqxs/ideas_to_increase_spouses_credit_score/
collected_at: 2026-02-12T00:04:41.814818+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2bqxs", "score": 2, "num_comments": 9, "created_utc": 1770848819.0, "selftext": "We have signed a contract for a new construction from a popular builder in the country and they said they consider the lower of the median credit scores of the borrower (me) and co-borrower(spouse). My wife has a median of 746. I recently learnt that if we both have 780+ credit scores, the interest rates drop down 0.5% and that makes a lot of difference for us. We have 4-6 months time until we close. Any advice/ways to raise credit scores quickly? I\u2019ll be happy if her\u2019s touches 760 atleast.", "sort": "hot", "upvote_ratio": 0.75, "author": "JackfruitNo7393"}

selftext:
We have signed a contract for a new construction from a popular builder in the country and they said they consider the lower of the median credit scores of the borrower (me) and co-borrower(spouse). My wife has a median of 746. I recently learnt that if we both have 780+ credit scores, the interest rates drop down 0.5% and that makes a lot of difference for us. We have 4-6 months time until we close. Any advice/ways to raise credit scores quickly? I’ll be happy if her’s touches 760 atleast.


topic_name: My dad passed away in July of 2025 and I kept getting his medical bills. What do I do?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418133+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qt826g/my_dad_passed_away_in_july_of_2025_and_i_kept/

metadata:
{"subreddit": "personalfinance", "post_id": "1qt826g", "score": 919, "num_comments": 286, "created_utc": 1769974040.0, "selftext": "So my dad passed in July of 2025. He had a plethora of health issues and thus accumulated a lot of medical bills. He didn\u2019t have an estate, savings, 401k, life insurance etc. Just a pension he was living off of which my understanding stopped upon his death.\n\nI keep getting his medical bills in the mail since I was taking care of him at my home before he passed and his mail was coming here. I want the mail to stop because it is an everyday reminder of the loss. But I\u2019m nervous to call the people ", "sort": "top", "upvote_ratio": 0.94, "author": "NikkiMcGeeks"}

selftext:
So my dad passed in July of 2025. He had a plethora of health issues and thus accumulated a lot of medical bills. He didn’t have an estate, savings, 401k, life insurance etc. Just a pension he was living off of which my understanding stopped upon his death.

I keep getting his medical bills in the mail since I was taking care of him at my home before he passed and his mail was coming here. I want the mail to stop because it is an everyday reminder of the loss. But I’m nervous to call the people 


topic_name: Does price seem reasonable for BMW M440 Gran Coupe?
source: reddit
region: global
collected_at: 2026-02-12T00:04:50.635655+00:00
autocomplete: []
selftext: https://www.carmax.com/car/28106493
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1r1z0o0/does_price_seem_reasonable_for_bmw_m440_gran_coupe/

metadata:
{"subreddit": "askcarsales", "post_id": "1r1z0o0", "score": 1, "num_comments": 4, "created_utc": 1770820561.0, "selftext": "https://www.carmax.com/car/28106493", "sort": "hot", "upvote_ratio": 0.67, "author": "showmethefuture"}


topic_name: Dealership skimmed commissions for years
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qv3ivh/dealership_skimmed_commissions_for_years/
collected_at: 2026-02-12T00:04:53.860224+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qv3ivh", "score": 66, "num_comments": 29, "created_utc": 1770151156.0, "selftext": "One of my managers is about to whistle blow to the feds about skimmed commissions on-going for years\n\nHas anyone experienced this before? What does this look like. \n\nThe general manager would openly talk about under cutting commissions for years because he felt people didn\u2019t deserve them.\n\nThe manager whistleblowing says it\u2019s systematic and been going on to all employees for 8+ years ", "sort": "top", "upvote_ratio": 0.89, "author": "Ok-Salt-4591"}

selftext:
One of my managers is about to whistle blow to the feds about skimmed commissions on-going for years

Has anyone experienced this before? What does this look like. 

The general manager would openly talk about under cutting commissions for years because he felt people didn’t deserve them.

The manager whistleblowing says it’s systematic and been going on to all employees for 8+ years 


topic_name: Advice needed on hosting
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1y9sn/advice_needed_on_hosting/
collected_at: 2026-02-12T00:04:59.457416+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1y9sn", "score": 9, "num_comments": 24, "created_utc": 1770818754.0, "selftext": "Dear all, \n\nI'm having a little crisis. I've always seen myself as a host, the person who is always prepping their home to have dinner and enjoy games, talks, tea etc. \n\nIn the past, I've always shouldered the bills for the groceries that would to into the dinner, but since grocery prises have risen and since I went back to school and as such I'm not working full time, I can't afford to anymore. \n\nIs it reasonable to say to friends - hey I'd love to hang out and I can host but I'm broke, can you", "sort": "hot", "upvote_ratio": 0.7, "author": "Mangobread95"}

selftext:
Dear all, 

I'm having a little crisis. I've always seen myself as a host, the person who is always prepping their home to have dinner and enjoy games, talks, tea etc. 

In the past, I've always shouldered the bills for the groceries that would to into the dinner, but since grocery prises have risen and since I went back to school and as such I'm not working full time, I can't afford to anymore. 

Is it reasonable to say to friends - hey I'd love to hang out and I can host but I'm broke, can you


topic_name: Final payment... $14.25 on a $96,200 loan. I'm literally shaking right now.
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489170+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qw4c1d/final_payment_1425_on_a_96200_loan_im_literally/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qw4c1d", "score": 2687, "num_comments": 140, "created_utc": 1770246834.0, "selftext": "", "sort": "top", "upvote_ratio": 0.98, "author": "RhinoIneso"}


topic_name: [IN] Almost fell for a WhatsApp job scam – sharing so others don’t get trapped
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r1pye5/in_almost_fell_for_a_whatsapp_job_scam_sharing_so/
collected_at: 2026-02-12T00:05:08.886629+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r1pye5", "score": 25, "num_comments": 5, "created_utc": 1770791477.0, "selftext": "I was contacted on WhatsApp by someone claiming to offer a remote job from a company called V-Convex. They promised day/night shifts, \u20b919,000 in-hand salary, no experience needed, and \u201cguaranteed placement.\u201d\nThey first asked me to pay \u20b9411 for \u201cdocument verification\u201d to a personal UPI ID. After I paid, they demanded \u20b91300 more for \u201csalary account setup and ID card.\u201d\nWhen I questioned this, they kept changing reasons, asked for my bank details, last 3 months statement, and a cancelled cheque, and", "sort": "hot", "upvote_ratio": 0.8, "author": "ManOwar2002"}

selftext:
I was contacted on WhatsApp by someone claiming to offer a remote job from a company called V-Convex. They promised day/night shifts, ₹19,000 in-hand salary, no experience needed, and “guaranteed placement.”
They first asked me to pay ₹411 for “document verification” to a personal UPI ID. After I paid, they demanded ₹1300 more for “salary account setup and ID card.”
When I questioned this, they kept changing reasons, asked for my bank details, last 3 months statement, and a cancelled cheque, and


topic_name: [US] I was asked to pay for someone at a Walmart self checkout.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qeyafj/us_i_was_asked_to_pay_for_someone_at_a_walmart/
collected_at: 2026-02-12T00:05:12.358823+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qeyafj", "score": 355, "num_comments": 126, "created_utc": 1768611225.0, "selftext": "I was at self checkout and the lady beside me claimed her Apple Pay wasn't working at checkout. Of course it wasn't working, self checkout doesn't do tap. (At least, in my store)\n\nShe sent me 20 usd via PayPal by scanning my qr to send. I feel secure about that, it was just under the Request feature which I initiated myself.\n\nI paid with my PayPal business debit card, and she thanked me and hurried off without another word. I look at the checkout, and it says something like \"Thank you Samantha\".", "sort": "top", "upvote_ratio": 0.92, "author": "No-Beach-1304"}

selftext:
I was at self checkout and the lady beside me claimed her Apple Pay wasn't working at checkout. Of course it wasn't working, self checkout doesn't do tap. (At least, in my store)

She sent me 20 usd via PayPal by scanning my qr to send. I feel secure about that, it was just under the Request feature which I initiated myself.

I paid with my PayPal business debit card, and she thanked me and hurried off without another word. I look at the checkout, and it says something like "Thank you Samantha".


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889508+00:00
autocomplete: []
selftext: I have 439GB of free storage space
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Lenovo falsely tells users they're almost out of storage to get them to click the notification for a Dropbox ad

url:
https://reddit.com/r/assholedesign/comments/1qfvhaf/lenovo_falsely_tells_users_theyre_almost_out_of/

metadata:
{"subreddit": "assholedesign", "post_id": "1qfvhaf", "score": 3692, "num_comments": 62, "created_utc": 1768700939.0, "selftext": "I have 439GB of free storage space", "sort": "hot", "upvote_ratio": 0.99, "author": "ObjectiveOk2072"}


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r0dy5v/did_you_know_that_if_you_say_yes_to_mlm_you_can/
collected_at: 2026-02-12T00:05:26.020429+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
Did you know…. that if you say yes to MLM, you can lose up to 99.99999% of what little joy you have left in this world?

metadata:
{"subreddit": "antiMLM", "post_id": "1r0dy5v", "score": 99, "num_comments": 31, "created_utc": 1770665480.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Willing_Chemical1257"}


topic_name: Amway loses farm in Mexico
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qco69q/amway_loses_farm_in_mexico/
collected_at: 2026-02-12T00:05:30.135095+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qco69q", "score": 522, "num_comments": 29, "created_utc": 1768399668.0, "selftext": "Amway has lost a large organic farm in Mexico. The land has apparently been owed to farmers since 1939. Amway purchased it in the 1990s and they are now big mad that they have lost what seems to be all their appeals. They claim it's a 3 billion dollar hit to the business. ", "sort": "top", "upvote_ratio": 1.0, "author": "throwra_22222"}

selftext:
Amway has lost a large organic farm in Mexico. The land has apparently been owed to farmers since 1939. Amway purchased it in the 1990s and they are now big mad that they have lost what seems to be all their appeals. They claim it's a 3 billion dollar hit to the business. 


topic_name: What is progressive insurance like when filing claims?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r2ad23/what_is_progressive_insurance_like_when_filing/
collected_at: 2026-02-12T00:05:44.256595+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r2ad23", "score": 0, "num_comments": 4, "created_utc": 1770845640.0, "selftext": "Curious because luckily I never had to file a claim but wanting to renew so I'm curious. Also, Erie is too much and I don't have access to USAA. I'm not sure if there are other good insurers out there and Geico quoted twice the price of insurance of car insurance for my household.", "sort": "hot", "upvote_ratio": 0.5, "author": "Own_Coat_3622"}

selftext:
Curious because luckily I never had to file a claim but wanting to renew so I'm curious. Also, Erie is too much and I don't have access to USAA. I'm not sure if there are other good insurers out there and Geico quoted twice the price of insurance of car insurance for my household.


topic_name: Body shop totaled car during test drive
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qke85q/body_shop_totaled_car_during_test_drive/
collected_at: 2026-02-12T00:05:47.658311+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qke85q", "score": 55, "num_comments": 16, "created_utc": 1769134613.0, "selftext": "I am posting this on behalf of my elderly aunt.\n\nShe got into a small finder bender and went through her insurance for the repairs. While at the body shop, a worker went to test drive it and got into a car accident and the car is now totaled (driver is fine). The car was a 2017 Chevy Malibu with about 70k miles and paid off. My aunt is on a very fixed income and can't budget in a car payment at the moment. The body shop said they'd pay her about 14k for the car. Here's my questions:\n1. Can we ho", "sort": "top", "upvote_ratio": 0.93, "author": "wannabe_itgirl"}

selftext:
I am posting this on behalf of my elderly aunt.

She got into a small finder bender and went through her insurance for the repairs. While at the body shop, a worker went to test drive it and got into a car accident and the car is now totaled (driver is fine). The car was a 2017 Chevy Malibu with about 70k miles and paid off. My aunt is on a very fixed income and can't budget in a car payment at the moment. The body shop said they'd pay her about 14k for the car. Here's my questions:
1. Can we ho


topic_name: You have to click 'Microsoft Authenticator' to use a third party authenticator in M365
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366055+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1qup523/you_have_to_click_microsoft_authenticator_to_use/

metadata:
{"subreddit": "darkpatterns", "post_id": "1qup523", "score": 18, "num_comments": 2, "created_utc": 1770116913.0, "selftext": "In order to use your third-party authenticator app of choice, you have to click 'Microsoft Authenticator' on the MFA sign-up screen in M365:\n\nhttps://preview.redd.it/fg71ftboh9hg1.png?width=474&amp;format=png&amp;auto=webp&amp;s=71c457c0f14151ee043643e63a3b32c168585309\n\nThen on the following screen you can select 'different authenticator app':  \n\n\nhttps://preview.redd.it/s8h7h6pwh9hg1.png?width=444&amp;format=png&amp;auto=webp&amp;s=3cc26ffbadef05dac4ef12e9f2d7dba33732da5b\n\nThis confuses our use", "sort": "hot", "upvote_ratio": 0.95, "author": "crastinblack"}

selftext:
In order to use your third-party authenticator app of choice, you have to click 'Microsoft Authenticator' on the MFA sign-up screen in M365:

https://preview.redd.it/fg71ftboh9hg1.png?width=474&amp;format=png&amp;auto=webp&amp;s=71c457c0f14151ee043643e63a3b32c168585309

Then on the following screen you can select 'different authenticator app':  


https://preview.redd.it/s8h7h6pwh9hg1.png?width=444&amp;format=png&amp;auto=webp&amp;s=3cc26ffbadef05dac4ef12e9f2d7dba33732da5b

This confuses our use


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r0rcag/shopping_around_for_sales_using_online_couponing/
collected_at: 2026-02-12T00:06:01.656866+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
Shopping around for sales, using online couponing apps, and credit card rewards can save a good amount of money on groceries.

metadata:
{"subreddit": "Frugal", "post_id": "1r0rcag", "score": 105, "num_comments": 51, "created_utc": 1770698438.0, "selftext": "All pictured items cost me $14.12 after tax and all cash back including credit card and a shopping app.  The produce is 3.73 lbs. of tomatoes and 3 lbs. of gala apples.  I readily acknowledge that this type of bargain shopping is not for everyone because it takes some time to do this but definitely a money saver.  The only items I intended to purchase when I went out today was the 5 boxes of pasta and all of the rest of it was things I decided to pick up based on pricing.", "sort": "hot", "upvote_ratio": 0.88, "author": "earthdogmonster"}

selftext:
All pictured items cost me $14.12 after tax and all cash back including credit card and a shopping app.  The produce is 3.73 lbs. of tomatoes and 3 lbs. of gala apples.  I readily acknowledge that this type of bargain shopping is not for everyone because it takes some time to do this but definitely a money saver.  The only items I intended to purchase when I went out today was the 5 boxes of pasta and all of the rest of it was things I decided to pick up based on pricing.


topic_name: Rate My Credit Card Setup!
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r24pyp/rate_my_credit_card_setup/
collected_at: 2026-02-12T00:06:10.587814+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r24pyp", "score": 3, "num_comments": 13, "created_utc": 1770833198.0, "selftext": "* **Wells Fargo Active Cash**\n   * 2% on everything\n* **Discover It**\n   * Oldest credit line, 5% rotating calendar\n* **Capital One SavorOne**\n   * 3% Groceries, Restaurant, Entertainment, Streaming Services\n* **Citi Custom Cash**\n   * 5% Highest Category up to $500. I use it for Restaurants\n* **Chase Amazon Prime**\n   * 5-7% Cash back on Amazon\n* **AAA Travel Advantage**\n   * 5% Gas, 3% Restaurant, Groceries, Travel\n* **Amex Blue Cash Everyday**\n   * 3% Groceries and Online Retail, I also get a", "sort": "hot", "upvote_ratio": 0.67, "author": "Mr_4re_Fan"}

selftext:
* **Wells Fargo Active Cash**
   * 2% on everything
* **Discover It**
   * Oldest credit line, 5% rotating calendar
* **Capital One SavorOne**
   * 3% Groceries, Restaurant, Entertainment, Streaming Services
* **Citi Custom Cash**
   * 5% Highest Category up to $500. I use it for Restaurants
* **Chase Amazon Prime**
   * 5-7% Cash back on Amazon
* **AAA Travel Advantage**
   * 5% Gas, 3% Restaurant, Groceries, Travel
* **Amex Blue Cash Everyday**
   * 3% Groceries and Online Retail, I also get a


topic_name: Chase Sapphire Reserve Approval and New Rules for Bonus Eligibility (January 22, 2026)
source: reddit
region: global
collected_at: 2026-02-12T00:06:13.782028+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1qk1o2l/chase_sapphire_reserve_approval_and_new_rules_for/

metadata:
{"subreddit": "CreditCards", "post_id": "1qk1o2l", "score": 202, "num_comments": 212, "created_utc": 1769104812.0, "selftext": "[**Chase Sapphire bonus eligibility changes: What to know - The Points Guy**](https://thepointsguy.com/news/chase-sapphire-bonus-eligibility-changes-2026/)\n\n*\"Starting January 22, you'll be able to earn one bonus per Sapphire card, as long as you've never earned a bonus on that card previously \u2014 whether or not you currently hold a Sapphire card in your wallet. So, if you currently hold the*\u00a0*Chase Sapphire Preferred and earned the bonus on it, you can now add the*\u00a0*Chase Sapphire Reserve and ear", "sort": "top", "upvote_ratio": 0.98, "author": "AceMaxAceMax"}

selftext:
[**Chase Sapphire bonus eligibility changes: What to know - The Points Guy**](https://thepointsguy.com/news/chase-sapphire-bonus-eligibility-changes-2026/)

*"Starting January 22, you'll be able to earn one bonus per Sapphire card, as long as you've never earned a bonus on that card previously — whether or not you currently hold a Sapphire card in your wallet. So, if you currently hold the* *Chase Sapphire Preferred and earned the bonus on it, you can now add the* *Chase Sapphire Reserve and ear


topic_name: Tell HR or straight to police?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r1acwk/tell_hr_or_straight_to_police/
collected_at: 2026-02-12T00:06:18.920795+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1acwk", "score": 675, "num_comments": 49, "created_utc": 1770751433.0, "selftext": "Location: NY, USA. To keep it short, one of my coworkers took a video of us having sex over a year ago, October 2024, without my consent, then showed a bunch of people from the company we work at, in December 2025.\n\nI saw a post, with a similar situation, saying that if I go to HR there is potential for them to let us both go, to save from any problems.\n\nI do not have the 3k quoted from multiple lawyers to go to HR with legal representation.\n\nObviously, recording me without consent is against th", "sort": "hot", "upvote_ratio": 0.94, "author": "regulargirl2"}

selftext:
Location: NY, USA. To keep it short, one of my coworkers took a video of us having sex over a year ago, October 2024, without my consent, then showed a bunch of people from the company we work at, in December 2025.

I saw a post, with a similar situation, saying that if I go to HR there is potential for them to let us both go, to save from any problems.

I do not have the 3k quoted from multiple lawyers to go to HR with legal representation.

Obviously, recording me without consent is against th


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qn1jwa/someone_left_there_dog_for_me_to_watch_for_a/
collected_at: 2026-02-12T00:06:22.356462+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Someone left there dog for me to watch for a night and then disappeared for 5 months now he wants to claim it back can I keep it now?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qn1jwa", "score": 2054, "num_comments": 297, "created_utc": 1769389620.0, "selftext": "(Location: Canada) So basically a couple months ago my friend asked me if this guy she knew could leave his dog at my place over night and I agreed because I didn\u2019t want the dog to be trapped in a storage unit. He came over and left the dog and then I didn\u2019t hear from him the next day and for the next months there was no answer from him at all. I\u2019ve been paying for and taking care of this dog i bought him a bed and toys I really love this dog now.\n\nAlso it\u2019s important to mention that he was dehy", "sort": "top", "upvote_ratio": 0.95, "author": "OtherwiseSetting7172"}

selftext:
(Location: Canada) So basically a couple months ago my friend asked me if this guy she knew could leave his dog at my place over night and I agreed because I didn’t want the dog to be trapped in a storage unit. He came over and left the dog and then I didn’t hear from him the next day and for the next months there was no answer from him at all. I’ve been paying for and taking care of this dog i bought him a bed and toys I really love this dog now.

Also it’s important to mention that he was dehy


topic_name: LPT: Learn how to relax your mind.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qyuc89/lpt_learn_how_to_relax_your_mind/
collected_at: 2026-02-12T00:06:28.285965+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qyuc89", "score": 890, "num_comments": 28, "created_utc": 1770510756.0, "selftext": "Relaxing the mind is a common concept (take it easy man!), but many find it difficult to apply it in practice. So let's progressively work through relaxing something you can intentionally relax on to work towards relaxing the mind.\n\nFirst, start by progressive relaxation of the physical body. \n\nBefore you go to bed, focus on relaxing each part of your body starting from the tip of your head to the edge of your toe. Take three breaths per body part to relax even more than before (chances are, you", "sort": "hot", "upvote_ratio": 0.96, "author": "julylifecoach"}

selftext:
Relaxing the mind is a common concept (take it easy man!), but many find it difficult to apply it in practice. So let's progressively work through relaxing something you can intentionally relax on to work towards relaxing the mind.

First, start by progressive relaxation of the physical body. 

Before you go to bed, focus on relaxing each part of your body starting from the tip of your head to the edge of your toe. Take three breaths per body part to relax even more than before (chances are, you


topic_name: Furniture recommendations
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r255bc/furniture_recommendations/
collected_at: 2026-02-12T00:06:36.789604+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r255bc", "score": 3, "num_comments": 6, "created_utc": 1770834096.0, "selftext": "So I\u2019ll be moving halfway across the country next year and I do not want to take my current furniture with me. I would like to get higher quality items and not just a cheap crap that they sell at Walmart. I\u2019ve been hearing over and over again how Ashley is crap. I\u2019ve only ever bought mattresses from them and their mattresses were fine. Not the best, not the worst. Other than that, I have no experience with their furniture. So if anyone has any recommendation on where to get higher quality furnit", "sort": "hot", "upvote_ratio": 0.67, "author": "I_lick_lemons7"}

selftext:
So I’ll be moving halfway across the country next year and I do not want to take my current furniture with me. I would like to get higher quality items and not just a cheap crap that they sell at Walmart. I’ve been hearing over and over again how Ashley is crap. I’ve only ever bought mattresses from them and their mattresses were fine. Not the best, not the worst. Other than that, I have no experience with their furniture. So if anyone has any recommendation on where to get higher quality furnit


topic_name: L.L. Bean duffle from 1982
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qw1v8h/ll_bean_duffle_from_1982/
collected_at: 2026-02-12T00:06:40.492181+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qw1v8h", "score": 1823, "num_comments": 51, "created_utc": 1770241144.0, "selftext": "", "sort": "top", "upvote_ratio": 1.0, "author": "Puzzle-headed__"}


topic_name: It feels as “right” as I’d hoped.
source: reddit
region: global
url: https://reddit.com/r/financialindependence/comments/1qwwqa9/it_feels_as_right_as_id_hoped/
collected_at: 2026-02-12T00:06:46.999961+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "financialindependence", "post_id": "1qwwqa9", "score": 233, "num_comments": 44, "created_utc": 1770323637.0, "selftext": "I first posted here a few months ago when I was really struggling with the difference between what the math said (you can FIRE) and what I was feeling (are you sure? Can you really fire? But wait\u2026.). Then, last month - 31 days ago - I gave notice. My final day was a few days ago, this past Monday, and now here I am a few days into this next chapter. My birthday was also earlier this week, so in a sense this has been a birthday gift to myself. My earlier post is here:    [ https://www.reddit.com/", "sort": "hot", "upvote_ratio": 0.95, "author": "Yellow_Apple_1971"}

selftext:
I first posted here a few months ago when I was really struggling with the difference between what the math said (you can FIRE) and what I was feeling (are you sure? Can you really fire? But wait….). Then, last month - 31 days ago - I gave notice. My final day was a few days ago, this past Monday, and now here I am a few days into this next chapter. My birthday was also earlier this week, so in a sense this has been a birthday gift to myself. My earlier post is here:    [ https://www.reddit.com/


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397173+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the challenges and opportunities of developing and launching new virtual assistants like Siri, and how do these technologies impact user experience?

metadata:
{"original_headline": "Apple\u2019s Latest Attempt to Launch the New Siri Runs Into Snags - Bloomberg.com", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: 2010’s Nostalgia Hits Hard 🥹
source: youtube
region: US
url: https://youtube.com/watch?v=9peZRyQE5ts
collected_at: 2026-02-12T00:04:30.534621
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "9peZRyQE5ts", "channel": "Rap Render", "category": "Entertainment", "category_id": 24, "views": "11077538", "view_count": 11077538, "likes": "274768", "published_at": "2026-02-07T20:18:24Z"}


topic_name: Planning to move to another appt
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r21ox2/planning_to_move_to_another_appt/
collected_at: 2026-02-12T00:04:41.814822+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r21ox2", "score": 6, "num_comments": 2, "created_utc": 1770826682.0, "selftext": "Hi all, \n\nMy wife and I are planing to move. Currently we live in NJ. Combined salary \\~ 7k a month after taxes. We are planing to move this upcoming year. We already have 10k saved up for the move. \n\nMy salary is expected to triple in about a year or so from 4K to \\~ 15k month ( once I\u2019m finished with my medical training ). We are also planning  to have kids in \\~ 2 years.  \n\nCurrent rent is 1k a month for a studio we looking to move in to a 2 bdr. Both of us have like 20k savings combined for ", "sort": "hot", "upvote_ratio": 0.81, "author": "fluid_clonus"}

selftext:
Hi all, 

My wife and I are planing to move. Currently we live in NJ. Combined salary \~ 7k a month after taxes. We are planing to move this upcoming year. We already have 10k saved up for the move. 

My salary is expected to triple in about a year or so from 4K to \~ 15k month ( once I’m finished with my medical training ). We are also planning  to have kids in \~ 2 years.  

Current rent is 1k a month for a studio we looking to move in to a 2 bdr. Both of us have like 20k savings combined for 


topic_name: Should I do a charge back for wrong color furniture?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qjtg1e/should_i_do_a_charge_back_for_wrong_color/
collected_at: 2026-02-12T00:04:45.418136+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qjtg1e", "score": 864, "num_comments": 246, "created_utc": 1769085487.0, "selftext": "Long story short, I ordered an expensive piece of furniture that was delivered and it\u2019s clearly the wrong color. They are adamant that what they sent is correct but it\u2019s clearly the wrong piece. They are accepting a return however I have to pay nearly $1k to ship it back and they only will give store credit. Given how this return is going I have no intention of ever shopping there again so no use for the credit. Any advice here?\n\n\\*update\\* they offered a 5% gift card based on the value of the c", "sort": "top", "upvote_ratio": 0.91, "author": "Lefty_123"}

selftext:
Long story short, I ordered an expensive piece of furniture that was delivered and it’s clearly the wrong color. They are adamant that what they sent is correct but it’s clearly the wrong piece. They are accepting a return however I have to pay nearly $1k to ship it back and they only will give store credit. Given how this return is going I have no intention of ever shopping there again so no use for the credit. Any advice here?

\*update\* they offered a 5% gift card based on the value of the c


topic_name: Been on the lot for 95 days
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1flpv/been_on_the_lot_for_95_days/
collected_at: 2026-02-12T00:04:50.635658+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1flpv", "score": 15, "num_comments": 64, "created_utc": 1770763041.0, "selftext": "I recently looked at a Volvo XC60 priced at 27.5 which is about 3k below market. It\u2019s  been on the lot for 95 days and had a few price drops in that time. Any chance to haggle it any lower?", "sort": "hot", "upvote_ratio": 0.66, "author": "Distinct_Ad_4813"}

selftext:
I recently looked at a Volvo XC60 priced at 27.5 which is about 3k below market. It’s  been on the lot for 95 days and had a few price drops in that time. Any chance to haggle it any lower?


topic_name: But muh OEM want to sell direct!?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qqj49a/but_muh_oem_want_to_sell_direct/
collected_at: 2026-02-12T00:04:53.860228+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qqj49a", "score": 52, "num_comments": 38, "created_utc": 1769716448.0, "selftext": "Genesis is pulling out of direct sales in Europe in favor of the dealership system.\n\nhttps://www.autonews.com/hyundai/genesis/ane-genesis-retail-0128/?fbclid=IwdGRleAPomFNleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEe0OhY65wmdIUhKI92gWhLc5awjAeP6GV03IrxtT6EWywM3ZUgXEe3vnwFZd0\\_aem\\_u28psQykG\\_CIHeRcEXzWHQ", "sort": "top", "upvote_ratio": 0.77, "author": "PabloIceCreamBar"}

selftext:
Genesis is pulling out of direct sales in Europe in favor of the dealership system.

https://www.autonews.com/hyundai/genesis/ane-genesis-retail-0128/?fbclid=IwdGRleAPomFNleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEe0OhY65wmdIUhKI92gWhLc5awjAeP6GV03IrxtT6EWywM3ZUgXEe3vnwFZd0\_aem\_u28psQykG\_CIHeRcEXzWHQ


topic_name: Food's Cost per Gram of Protein vs. Protein Density [OC]
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457420+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r0zyjm/foods_cost_per_gram_of_protein_vs_protein_density/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r0zyjm", "score": 925, "num_comments": 123, "created_utc": 1770728094.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "James_Fortis"}


topic_name: After 18 months of saving I finally have a car!
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489174+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qd4he3/after_18_months_of_saving_i_finally_have_a_car/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qd4he3", "score": 2552, "num_comments": 83, "created_utc": 1768436772.0, "selftext": "Hey everyone, just wanted to share some good news because this sub has been such a huge help during my journey, even tho I don't post I have lurked here for over a year. About a year and a half ago my old Honda finally died on me and I was stuck taking the bus everywhere which was eating up so much time and making work scheduling a nightmare.\n\nI knew I needed a car but had literally zero savings at the time. Started following all the advice I saw here about budgeting and cutting expenses. I move", "sort": "top", "upvote_ratio": 0.98, "author": "Ok_Snow_2346"}

selftext:
Hey everyone, just wanted to share some good news because this sub has been such a huge help during my journey, even tho I don't post I have lurked here for over a year. About a year and a half ago my old Honda finally died on me and I was stuck taking the bus everywhere which was eating up so much time and making work scheduling a nightmare.

I knew I needed a car but had literally zero savings at the time. Started following all the advice I saw here about budgeting and cutting expenses. I move


topic_name: Bark.com Lead - Zoom Malware Scam - 'Only works on Windows'
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r22s7n/barkcom_lead_zoom_malware_scam_only_works_on/
collected_at: 2026-02-12T00:05:08.886634+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r22s7n", "score": 3, "num_comments": 1, "created_utc": 1770829097.0, "selftext": "I'm a DJ and just encountered a phishing/malware attempt via a Bark lead.\n\n**Details:**\n\n* **Source:** [Bark.com](http://Bark.com) Lead\n* **The Hook:** Client asks for a Zoom meeting to discuss a gig.\n* **The Red Flag:** They claim the link **only works on Windows**.\n* **The Payload:** The link leads to a fake Zoom landing page that prompts a download (e.g., `ZoomClient.exe` or similar).", "sort": "hot", "upvote_ratio": 0.72, "author": "Motor-Mark3592"}

selftext:
I'm a DJ and just encountered a phishing/malware attempt via a Bark lead.

**Details:**

* **Source:** [Bark.com](http://Bark.com) Lead
* **The Hook:** Client asks for a Zoom meeting to discuss a gig.
* **The Red Flag:** They claim the link **only works on Windows**.
* **The Payload:** The link leads to a fake Zoom landing page that prompts a download (e.g., `ZoomClient.exe` or similar).


topic_name: [US] Neighbor is being scammed
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qdr7y6/us_neighbor_is_being_scammed/
collected_at: 2026-02-12T00:05:12.358827+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qdr7y6", "score": 349, "num_comments": 139, "created_utc": 1768501023.0, "selftext": "I have told my neighbor that she is being scammed and she doesn\u2019t believe me. She is in contact with an individual who claims to be in the US military. He says that he is doing a PCS (permanent change of station) back to the states, and that he needs $10,000 to ship his household goods back to the USA. The US military handles all that. (I am a veteran). I told my neighbor that if he\u2019s asking for a large amount of money either he\u2019s not in the military or he\u2019s trying to ship something illegal to t", "sort": "top", "upvote_ratio": 0.98, "author": "emknits53"}

selftext:
I have told my neighbor that she is being scammed and she doesn’t believe me. She is in contact with an individual who claims to be in the US military. He says that he is doing a PCS (permanent change of station) back to the states, and that he needs $10,000 to ship his household goods back to the USA. The US military handles all that. (I am a veteran). I told my neighbor that if he’s asking for a large amount of money either he’s not in the military or he’s trying to ship something illegal to t


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1qfihvp/if_an_account_is_impersonating_someone_on/
collected_at: 2026-02-12T00:05:17.889511+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
If an account is impersonating someone on Instagram you can only report them as such if they have an Instagram account

metadata:
{"subreddit": "assholedesign", "post_id": "1qfihvp", "score": 2139, "num_comments": 51, "created_utc": 1768669267.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "darthkyle22"}


topic_name: Man admits to torturing woman, 19, to death; her brother and their MLM coach facing murder charge
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r0p6ay/man_admits_to_torturing_woman_19_to_death_her/
collected_at: 2026-02-12T00:05:26.020432+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1r0p6ay", "score": 17, "num_comments": 4, "created_utc": 1770692346.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.82, "author": "Flesh_Clothes"}


topic_name: Young Living huns and horses, how my horse barely made it.
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qndmdq/young_living_huns_and_horses_how_my_horse_barely/
collected_at: 2026-02-12T00:05:30.135098+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qndmdq", "score": 505, "num_comments": 54, "created_utc": 1769427181.0, "selftext": "Hello everyone,\n\nBuckle up for this story because it's quite a story. And I decided to tell this because of how YL treated Hannah Alonzo. All names have been changed.\n\nAbout 6 years ago, I got my horse through a friend. Let's call her Pea, why? She's a sensitive thoroughbred that I nicked named Princess with the Pea. She has a past and quite a few allergies. Hence why I was picky with a barn. YL is seen in many barns in Belgium.\n\nI could barely touch her at first, but after a year of owning her,", "sort": "top", "upvote_ratio": 0.99, "author": "PandoraWinters"}

selftext:
Hello everyone,

Buckle up for this story because it's quite a story. And I decided to tell this because of how YL treated Hannah Alonzo. All names have been changed.

About 6 years ago, I got my horse through a friend. Let's call her Pea, why? She's a sensitive thoroughbred that I nicked named Princess with the Pea. She has a past and quite a few allergies. Hence why I was picky with a barn. YL is seen in many barns in Belgium.

I could barely touch her at first, but after a year of owning her,


topic_name: GEICO total loss question
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r294sj/geico_total_loss_question/
collected_at: 2026-02-12T00:05:44.256599+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r294sj", "score": 1, "num_comments": 14, "created_utc": 1770842867.0, "selftext": "help. geico my insurance \n\nwas in a no fault accident. Perfectly driveable, only cosmetic damage but will require a whole new rear if I want it repaired for the trunk to be open like normal \n\nat fault party insurance sucks so will go through own (GEICO)\n\nfiled a claim and took car to their shop of choice. \n\nthey wrote a note down to notify me if they believe the repairs might exceed the value. they ended up calling to state the cost of repairs will most likely cause it to be totalled. they didn'", "sort": "hot", "upvote_ratio": 1.0, "author": "Ethereal_Couth"}

selftext:
help. geico my insurance 

was in a no fault accident. Perfectly driveable, only cosmetic damage but will require a whole new rear if I want it repaired for the trunk to be open like normal 

at fault party insurance sucks so will go through own (GEICO)

filed a claim and took car to their shop of choice. 

they wrote a note down to notify me if they believe the repairs might exceed the value. they ended up calling to state the cost of repairs will most likely cause it to be totalled. they didn'


topic_name: Just replaced my roof and notified my insurance.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qml13b/just_replaced_my_roof_and_notified_my_insurance/
collected_at: 2026-02-12T00:05:47.658315+00:00
autocomplete: []
selftext: They knocked my rate down by $57 per year. What a great bunch of guys.
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qml13b", "score": 52, "num_comments": 46, "created_utc": 1769352540.0, "selftext": "They knocked my rate down by $57 per year.  What a great bunch of guys.", "sort": "top", "upvote_ratio": 0.8, "author": "JFrankParnell64"}


topic_name: I refuse to rent the weather for $120/year
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qtulqb/i_refuse_to_rent_the_weather_for_120year/
collected_at: 2026-02-12T00:05:53.366058+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qtulqb", "score": 45, "num_comments": 4, "created_utc": 1770037790.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.82, "author": "OkDragonfruit55"}


topic_name: Decorated my walls for less than $30!
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r0hikd/decorated_my_walls_for_less_than_30/
collected_at: 2026-02-12T00:06:01.656870+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r0hikd", "score": 361, "num_comments": 47, "created_utc": 1770673251.0, "selftext": "I've been living in my apartment for about 4 months now with just bare white walls. I wanted to put up some wall art to add a little color, but couldn't find anything I liked at Goodwill and didn't want to pay for more expensive pieces or to frame posters, etcetera.\n\nSo I did a little online shopping at Michael's and bought 12 canvases, 16 bottles of acrylic paint, brushes, stencils, and a tray, and spent $29.99 after applying a small gift card and promo codes. My walls are now (mostly) covered ", "sort": "hot", "upvote_ratio": 0.89, "author": "Quick-Song2080"}

selftext:
I've been living in my apartment for about 4 months now with just bare white walls. I wanted to put up some wall art to add a little color, but couldn't find anything I liked at Goodwill and didn't want to pay for more expensive pieces or to frame posters, etcetera.

So I did a little online shopping at Michael's and bought 12 canvases, 16 bottles of acrylic paint, brushes, stencils, and a tray, and spent $29.99 after applying a small gift card and promo codes. My walls are now (mostly) covered 


topic_name: Try using less of everything instead of the standard amount
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qol83z/try_using_less_of_everything_instead_of_the/
collected_at: 2026-02-12T00:06:05.044484+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qol83z", "score": 1048, "num_comments": 286, "created_utc": 1769536700.0, "selftext": "I'm passing on this advice because it helps me make products last longer. \n\nWhen you use something ask yourself if you could use half and still get the same results.\n\nDo you need a full pump of hand soap to get your hands clean? Could you use less shampoo to get your hair clean? When you do laundry do you really need to put the recommended amount or can get your clothes just as clean with less? Does half a dryer sheet work well enough? Remember companies want you to run out of things quickly so ", "sort": "top", "upvote_ratio": 0.94, "author": "katharsister"}

selftext:
I'm passing on this advice because it helps me make products last longer. 

When you use something ask yourself if you could use half and still get the same results.

Do you need a full pump of hand soap to get your hands clean? Could you use less shampoo to get your hair clean? When you do laundry do you really need to put the recommended amount or can get your clothes just as clean with less? Does half a dryer sheet work well enough? Remember companies want you to run out of things quickly so 


topic_name: Need some recommendations on a card used for international travels
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2dt1t/need_some_recommendations_on_a_card_used_for/
collected_at: 2026-02-12T00:06:10.587823+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2dt1t", "score": 1, "num_comments": 4, "created_utc": 1770853797.0, "selftext": "as the title says, however, here's some insight that may be limiting the type of cards that may benefit me.  the company i work for requires all flights, hotel and customers entertainments/dinner to be all on corporate card.  so besides being able to collect the hotel rewards points or filght mileage for my own, the rest would be for personal purchase or dining out while i'm out on international travels.    \ni thought about the CSR, but the other benefit like doordash and stuff doesn't apply as ", "sort": "hot", "upvote_ratio": 1.0, "author": "ek9cusco"}

selftext:
as the title says, however, here's some insight that may be limiting the type of cards that may benefit me.  the company i work for requires all flights, hotel and customers entertainments/dinner to be all on corporate card.  so besides being able to collect the hotel rewards points or filght mileage for my own, the rest would be for personal purchase or dining out while i'm out on international travels.    
i thought about the CSR, but the other benefit like doordash and stuff doesn't apply as 


topic_name: So easy to close Bilt with Wells Fargo.
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qgglxy/so_easy_to_close_bilt_with_wells_fargo/
collected_at: 2026-02-12T00:06:13.782031+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qgglxy", "score": 201, "num_comments": 81, "created_utc": 1768761728.0, "selftext": "Wells Fargo has made it so easy to close your account.   All automated!  Normally you have to go through people and try to get pitched on other products.    Nope.    Just a computer asking. \" Do you want to close your Bilt Master Card account? \".   \n\nWas nice while it lasted.  Over 3 years, I earned close to 100k points.   Used them on flights to see my family when money was tight.   Sad to see it go,  but will have happy memories.   Best of luck to those who stay.  ", "sort": "top", "upvote_ratio": 0.95, "author": "xennial-tiger"}

selftext:
Wells Fargo has made it so easy to close your account.   All automated!  Normally you have to go through people and try to get pitched on other products.    Nope.    Just a computer asking. " Do you want to close your Bilt Master Card account? ".   

Was nice while it lasted.  Over 3 years, I earned close to 100k points.   Used them on flights to see my family when money was tight.   Sad to see it go,  but will have happy memories.   Best of luck to those who stay.  


topic_name: Amazon delivery driver claims my dog bit him, Ring footage shows otherwise.
source: reddit
region: global
collected_at: 2026-02-12T00:06:18.920799+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1r1ebv9/amazon_delivery_driver_claims_my_dog_bit_him_ring/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1ebv9", "score": 384, "num_comments": 29, "created_utc": 1770760129.0, "selftext": "Location: San Bernardino County, California\n\nHello, posting in hopes of easing my concerns. \n\nGot a notification from Amazon stating that one of their drivers has claimed that they were bitten by one of my dogs when they delivered a package to my property and are asking for vaccination records. I received zero notification from any local authorities (police, animal control, etc.) so I dont believe any formal report was filed. I have footage of the delivery and visually confirmed that the driver ", "sort": "hot", "upvote_ratio": 0.94, "author": "Embarrassed_Mix_6568"}

selftext:
Location: San Bernardino County, California

Hello, posting in hopes of easing my concerns. 

Got a notification from Amazon stating that one of their drivers has claimed that they were bitten by one of my dogs when they delivered a package to my property and are asking for vaccination records. I received zero notification from any local authorities (police, animal control, etc.) so I dont believe any formal report was filed. I have footage of the delivery and visually confirmed that the driver 


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qo5t16/hr_just_told_me_i_have_been_paying_for_life/
collected_at: 2026-02-12T00:06:22.356466+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
HR just told me I have been paying for life insurance for 3 years without the policy actually being in effect

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qo5t16", "score": 1922, "num_comments": 71, "created_utc": 1769494077.0, "selftext": "I work for a mid-sized nonprofit in Oregon. Today, I got an email from our HR rep asking me to come by his office. 3 years ago I signed up for voluntary life insurance and AD&amp;D insurance in excess of the minimums the company provides. Apparently, I should have been given a health evaluation form to finalize this enrollment. I never was. Despite this, I have been having the life insurance and AD&amp;D premiums deducted from my pay for the last 3 years. Since the deductions were showing on my ", "sort": "top", "upvote_ratio": 0.96, "author": "gladididntdieatwork"}

selftext:
I work for a mid-sized nonprofit in Oregon. Today, I got an email from our HR rep asking me to come by his office. 3 years ago I signed up for voluntary life insurance and AD&amp;D insurance in excess of the minimums the company provides. Apparently, I should have been given a health evaluation form to finalize this enrollment. I never was. Despite this, I have been having the life insurance and AD&amp;D premiums deducted from my pay for the last 3 years. Since the deductions were showing on my 


source: reddit
region: global
collected_at: 2026-02-12T00:06:28.285969+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT When you just can't turn off or wake up at 3am and can't fall asleep. Try this... Keep your eyes open in bed

url:
https://reddit.com/r/LifeProTips/comments/1qycacf/lpt_when_you_just_cant_turn_off_or_wake_up_at_3am/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qycacf", "score": 7870, "num_comments": 334, "created_utc": 1770466414.0, "selftext": "\n\nIt sounds counterintuitive, but if you want to hasten sleep try lying in bed in the dark with your eyes open, says Colin Espie, a professor of sleep medicine at the University of Oxford. This is part of a technique called \u2018paradoxical intention\u2019 that he first described in 1985, which means resisting sleep instead of trying to force it.\n\nProfessor Espie says: \u2018When people get anxious about not being able to sleep, they can\u2019t sleep. Instead of trying to force sleep, the idea is to turn to the ta", "sort": "hot", "upvote_ratio": 0.96, "author": "Make_the_music_stop"}

selftext:
It sounds counterintuitive, but if you want to hasten sleep try lying in bed in the dark with your eyes open, says Colin Espie, a professor of sleep medicine at the University of Oxford. This is part of a technique called ‘paradoxical intention’ that he first described in 1985, which means resisting sleep instead of trying to force it.

Professor Espie says: ‘When people get anxious about not being able to sleep, they can’t sleep. Instead of trying to force sleep, the idea is to turn to the ta


topic_name: Buy-it-for-life coffee makers can save money, reduce waste, brew better
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789607+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r156j3/buyitforlife_coffee_makers_can_save_money_reduce/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r156j3", "score": 329, "num_comments": 272, "created_utc": 1770740369.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.83, "author": "Successful-Peach-764"}


topic_name: What's something you WON'T spend more money on as better quality doesn't exist?
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qgbfba/whats_something_you_wont_spend_more_money_on_as/
collected_at: 2026-02-12T00:06:40.492186+00:00
autocomplete: []
selftext: For me - socks. All socks feel the same to me. I'm not spending more money on "nicer" socks.
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qgbfba", "score": 1808, "num_comments": 1523, "created_utc": 1768750058.0, "selftext": "For me - socks. All socks feel the same to me. I'm not spending more money on \"nicer\" socks. ", "sort": "top", "upvote_ratio": 0.89, "author": "sgtjayp"}


topic_name: How do you stay motivated when portfolio fluctuates by more than two months pay in a single day?
source: reddit
region: global
collected_at: 2026-02-12T00:06:46.999964+00:00
autocomplete: []
selftext: Whether 2% up or 2% down, it's like, what is even the point?
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qy3nfx/how_do_you_stay_motivated_when_portfolio/

metadata:
{"subreddit": "financialindependence", "post_id": "1qy3nfx", "score": 0, "num_comments": 36, "created_utc": 1770436985.0, "selftext": "Whether 2% up or 2% down, it's like, what is even the point?", "sort": "hot", "upvote_ratio": 0.3, "author": "ifuckedyourdaddytoo"}


topic_name: Todo Lo Fue - (Video Oficial) - Lenin Ramirez - DEL Records 2026
source: youtube
region: US
url: https://youtube.com/watch?v=kwwdY1bp-Ck
collected_at: 2026-02-12T00:04:30.653187
autocomplete: []
category: Music
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "kwwdY1bp-Ck", "channel": "DEL Records", "category": "Music", "category_id": 10, "views": "10998047", "view_count": 10998047, "likes": "107133", "published_at": "2026-01-28T21:00:06Z"}


topic_name: This iced coffee rocks (and so does the kitchen #NescaféICEDHacks
source: youtube
region: CA
url: https://youtube.com/watch?v=svJlZpJ-_Hc
collected_at: 2026-02-12T00:04:31.506245
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "svJlZpJ-_Hc", "channel": "Zach King", "category": "Entertainment", "category_id": 24, "views": "13283215", "view_count": 13283215, "likes": "570677", "published_at": "2026-02-05T15:03:35Z"}


topic_name: VOO or VFIAX: What's the difference?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r1u6x9/voo_or_vfiax_whats_the_difference/
collected_at: 2026-02-12T00:04:41.814826+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r1u6x9", "score": 18, "num_comments": 20, "created_utc": 1770806896.0, "selftext": "Looking to start investing money into an account to give to my daughter when she's an adult. I've narrowed it down to one of the two aforementioned options, but I'm unsure of the difference.", "sort": "hot", "upvote_ratio": 0.8, "author": "dgtbfan"}

selftext:
Looking to start investing money into an account to give to my daughter when she's an adult. I've narrowed it down to one of the two aforementioned options, but I'm unsure of the difference.


topic_name: Wife and I didn’t check 401k for 5 years. Should we stay the course with investment options?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418140+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qmlmw4/wife_and_i_didnt_check_401k_for_5_years_should_we/

metadata:
{"subreddit": "personalfinance", "post_id": "1qmlmw4", "score": 820, "num_comments": 333, "created_utc": 1769353940.0, "selftext": "Life\u2019s been busy with a toddler and other activities so we just didn\u2019t check our 401\u2019s for years, we think 5. We are both 40.\n\n401k (wife): $200k, in a target date fund\n\n401k (mine): $600k, invested entirely in an S&amp;P 500 index fund.\n\nWe also have about $100k total value in pensions between the two of us. $25k wife, $75k mine. This is total current cash out value, these continue to grow. \n\nEach of us contributes 15% to our 401k. Wife\u2019s salary is $65k, mine $125k. Both of us have a 5% match.\n", "sort": "top", "upvote_ratio": 0.88, "author": "sys_admin321"}

selftext:
Life’s been busy with a toddler and other activities so we just didn’t check our 401’s for years, we think 5. We are both 40.

401k (wife): $200k, in a target date fund

401k (mine): $600k, invested entirely in an S&amp;P 500 index fund.

We also have about $100k total value in pensions between the two of us. $25k wife, $75k mine. This is total current cash out value, these continue to grow. 

Each of us contributes 15% to our 401k. Wife’s salary is $65k, mine $125k. Both of us have a 5% match.


source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1uyny/its_been_1_month_since_ive_bought_my_car_and_the/
collected_at: 2026-02-12T00:04:50.635662+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
topic_name:
It's been 1 month since I've bought my car and the dealer still hasn't transferred my plates or gotten my title. Is this normal?

metadata:
{"subreddit": "askcarsales", "post_id": "1r1uyny", "score": 1, "num_comments": 11, "created_utc": 1770809504.0, "selftext": "I purchased my car exactly one month ago, paid cash, and the dealer said they could transfer my old plates to the new car. This is a major local Mazda dealer and not some sketchy corner lot, so I assume they aren't bullshitting me. \n\nAfter 2 weeks I checked my Ohio DMV page and it was still showing my plate as registered to the car I traded in. At this point I'm paranoid I'm going to get pulled over and hassled by a cop. I call them and the sales manager assures me they are handling it, it takes", "sort": "hot", "upvote_ratio": 0.67, "author": "F0rbiddenD0nut"}

selftext:
I purchased my car exactly one month ago, paid cash, and the dealer said they could transfer my old plates to the new car. This is a major local Mazda dealer and not some sketchy corner lot, so I assume they aren't bullshitting me. 

After 2 weeks I checked my Ohio DMV page and it was still showing my plate as registered to the car I traded in. At this point I'm paranoid I'm going to get pulled over and hassled by a cop. I call them and the sales manager assures me they are handling it, it takes


topic_name: Is car sales really like this?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qrqfti/is_car_sales_really_like_this/
collected_at: 2026-02-12T00:04:53.860233+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qrqfti", "score": 51, "num_comments": 48, "created_utc": 1769827854.0, "selftext": "I just started working at a dealership for the first time this week. \n\nI\u2019m exhausted after the first week and I\u2019m not even close to getting a day off. We have two teams six people on each. Every second week, you get a day off on a Friday and Sunday. You work every other day. Some days you work 8:30 to 2:30 and then the next day you work 2:30 to 9 pm. If you want to make more money, they recommend you come in earlier than you start. \n\nAlso, my dealership has been slow. Many sales people have bitc", "sort": "top", "upvote_ratio": 0.92, "author": "goodcanadianbot97"}

selftext:
I just started working at a dealership for the first time this week. 

I’m exhausted after the first week and I’m not even close to getting a day off. We have two teams six people on each. Every second week, you get a day off on a Friday and Sunday. You work every other day. Some days you work 8:30 to 2:30 and then the next day you work 2:30 to 9 pm. If you want to make more money, they recommend you come in earlier than you start. 

Also, my dealership has been slow. Many sales people have bitc


topic_name: Massive rental debt. Have kids. Poor. Lost
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r18jtz/massive_rental_debt_have_kids_poor_lost/
collected_at: 2026-02-12T00:04:59.457424+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r18jtz", "score": 303, "num_comments": 70, "created_utc": 1770747607.0, "selftext": "Hello, I'm in my late twenties married have one child and another on the way. We have made some bad choices but mostly just haven't been working enough. We owe over $6000 to our previous rental company which includes a bunch of unexpected fees, we were renting from Greystar. We were living in Oregon and that is were this debt is from, but we have moved states to stay with family only temporarily. I'm just starting to get a job in construction and have no experience and am only going to be making", "sort": "hot", "upvote_ratio": 0.89, "author": "KyleChristensenn"}

selftext:
Hello, I'm in my late twenties married have one child and another on the way. We have made some bad choices but mostly just haven't been working enough. We owe over $6000 to our previous rental company which includes a bunch of unexpected fees, we were renting from Greystar. We were living in Oregon and that is were this debt is from, but we have moved states to stay with family only temporarily. I'm just starting to get a job in construction and have no experience and am only going to be making


topic_name: What’s a “bad” financial habit you keep because it keeps you sane?
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489177+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qj7zsc/whats_a_bad_financial_habit_you_keep_because_it/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qj7zsc", "score": 2344, "num_comments": 582, "created_utc": 1769024559.0, "selftext": "For me, it\u2019s buying pre-cut vegetables and rotisserie chicken instead of cooking everything from scratch. I know it costs more per pound, but when I\u2019m tired after work, that convenience is the difference between eating something decent and skipping a meal or grabbing fast food.\n\nI\u2019m curious what \u201cnot optimal\u201d habits people keep because they actually make day-to-day life more sustainable.", "sort": "top", "upvote_ratio": 0.98, "author": "James_B84Saves"}

selftext:
For me, it’s buying pre-cut vegetables and rotisserie chicken instead of cooking everything from scratch. I know it costs more per pound, but when I’m tired after work, that convenience is the difference between eating something decent and skipping a meal or grabbing fast food.

I’m curious what “not optimal” habits people keep because they actually make day-to-day life more sustainable.


topic_name: GameStop pre-ordered game scam?? [US]
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r22bqg/gamestop_preordered_game_scam_us/
collected_at: 2026-02-12T00:05:08.886638+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r22bqg", "score": 5, "num_comments": 12, "created_utc": 1770828096.0, "selftext": "EDIT: Thanks everyone! I mustered up my introvert courage and called GameStop to tell them they had the wrong number. They apologized and said it\u2019s common for people to put in wrong or old numbers.\n\nTwo weeks ago and now today, I have gotten a 2 calls from my local GameStop saying my pre-ordered copy of Trails Beyond the Horizon is ready for me to pick up. I did not pre-order that game (I didn\u2019t even know what it was initially). The last time I visited that GameStop or any GameStop in general wa", "sort": "hot", "upvote_ratio": 0.78, "author": "AccidentCapable9181"}

selftext:
EDIT: Thanks everyone! I mustered up my introvert courage and called GameStop to tell them they had the wrong number. They apologized and said it’s common for people to put in wrong or old numbers.

Two weeks ago and now today, I have gotten a 2 calls from my local GameStop saying my pre-ordered copy of Trails Beyond the Horizon is ready for me to pick up. I did not pre-order that game (I didn’t even know what it was initially). The last time I visited that GameStop or any GameStop in general wa


topic_name: [US] So I almost got phished today. And honestly? It was really well done. accounts.google.com
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qm7vbg/us_so_i_almost_got_phished_today_and_honestly_it/
collected_at: 2026-02-12T00:05:12.358830+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qm7vbg", "score": 343, "num_comments": 42, "created_utc": 1769311470.0, "selftext": "Started with a robocall showing \"Google\" as the caller - \"Unauthorized login from Toronto, Canada detected. Press 1 if this was you, press 2 if it wasn't.\"\n\nI pressed 2 without thinking. Mistake - and I know better. Google doesn't call you about security issues. But fortunately, it wasn't a mistake with immediate consequences.  \n  \nAfter I hung up, I did what I should have done first - went to my personal Google account and my Google Workspace accounts and actually looked at my recent sign-ins. ", "sort": "top", "upvote_ratio": 0.94, "author": "philbarnhart"}

selftext:
Started with a robocall showing "Google" as the caller - "Unauthorized login from Toronto, Canada detected. Press 1 if this was you, press 2 if it wasn't."

I pressed 2 without thinking. Mistake - and I know better. Google doesn't call you about security issues. But fortunately, it wasn't a mistake with immediate consequences.  
  
After I hung up, I did what I should have done first - went to my personal Google account and my Google Workspace accounts and actually looked at my recent sign-ins. 


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889515+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
They "cannot guarantee" the product description of the 1.3k dollar laptop theyre selling is accurate because they used chatgpt to write it

url:
https://reddit.com/r/assholedesign/comments/1qcieo7/they_cannot_guarantee_the_product_description_of/

metadata:
{"subreddit": "assholedesign", "post_id": "1qcieo7", "score": 19157, "num_comments": 458, "created_utc": 1768380838.0, "selftext": "This cannot possibly hold up in court. You cant just advertise a product and then be like \"*but actually we might be lying about some or all of these things\"??? What the fuck are you selling then", "sort": "hot", "upvote_ratio": 0.98, "author": "junonomenon"}

selftext:
This cannot possibly hold up in court. You cant just advertise a product and then be like "*but actually we might be lying about some or all of these things"??? What the fuck are you selling then


source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r0i8ni/just_when_you_think_they_got_out_theyre_pulled/
collected_at: 2026-02-12T00:05:26.020436+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
topic_name:
Just when you think they got out, they're pulled back in. Buddy, remember why you left MLM in the first place.

metadata:
{"subreddit": "antiMLM", "post_id": "1r0i8ni", "score": 44, "num_comments": 17, "created_utc": 1770674861.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "Willing_Chemical1257"}


topic_name: How do I get an operational role in insurance?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r28yas/how_do_i_get_an_operational_role_in_insurance/
collected_at: 2026-02-12T00:05:44.256603+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r28yas", "score": 1, "num_comments": 7, "created_utc": 1770842456.0, "selftext": "I\u2019m currently an office assistant for an agent just selling, selling, selling making her a bunch of money while I make peanuts. I\u2019m getting so burnt out, and I want out but want to stay in insurance. How do I get an operational role like claims or underwriting? I don\u2019t have a college degree. Every opening I see for these types of roles require experience in it and/or a degree", "sort": "hot", "upvote_ratio": 1.0, "author": "PhrygianSounds"}

selftext:
I’m currently an office assistant for an agent just selling, selling, selling making her a bunch of money while I make peanuts. I’m getting so burnt out, and I want out but want to stay in insurance. How do I get an operational role like claims or underwriting? I don’t have a college degree. Every opening I see for these types of roles require experience in it and/or a degree


topic_name: Chase Bank email I just received
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qqjjme/chase_bank_email_i_just_received/
collected_at: 2026-02-12T00:05:53.366061+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qqjjme", "score": 84, "num_comments": 6, "created_utc": 1769717378.0, "selftext": "There's a reason I signed up to be alerted every time the bank charges me a bogus fee.\n\nBut thanks to Chase's \"improvements\", we can no longer gets these alerts.", "sort": "hot", "upvote_ratio": 0.96, "author": "ewall"}

selftext:
There's a reason I signed up to be alerted every time the bank charges me a bogus fee.

But thanks to Chase's "improvements", we can no longer gets these alerts.


topic_name: What's your solution for a frugal house/home?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r1af2p/whats_your_solution_for_a_frugal_househome/
collected_at: 2026-02-12T00:06:01.656873+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r1af2p", "score": 6, "num_comments": 19, "created_utc": 1770751560.0, "selftext": "Hello everyone!\n\nRecently, I've been thinking about buying a house to live in. I'm M (33) living in France. \n\nI've been exploring different ways of living, whether in less conventional houses. I thought about moving into a van, but that idea quickly passed. \n\nI always imagined myself with a small piece of land where I could grow things and work the soil like my grandparents did. \n\nLately, I saw a video of a guy who bought a mobile home and gradually added layers of security and exterior insulati", "sort": "hot", "upvote_ratio": 0.67, "author": "Zynscar"}

selftext:
Hello everyone!

Recently, I've been thinking about buying a house to live in. I'm M (33) living in France. 

I've been exploring different ways of living, whether in less conventional houses. I thought about moving into a van, but that idea quickly passed. 

I always imagined myself with a small piece of land where I could grow things and work the soil like my grandparents did. 

Lately, I saw a video of a guy who bought a mobile home and gradually added layers of security and exterior insulati


topic_name: Am I doing this whole thing right?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2drna/am_i_doing_this_whole_thing_right/
collected_at: 2026-02-12T00:06:10.587827+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2drna", "score": 1, "num_comments": 2, "created_utc": 1770853698.0, "selftext": "I use my credit now for every purchase and usually pay it off every 2 weeks when I get paid. Is that kind of a smart thing to do or should I just wait for the month? I have been doing this for 2-3 months and haven\u2019t been charged any interest. Just want some extra opinions ", "sort": "hot", "upvote_ratio": 1.0, "author": "Few-Wing-6990"}

selftext:
I use my credit now for every purchase and usually pay it off every 2 weeks when I get paid. Is that kind of a smart thing to do or should I just wait for the month? I have been doing this for 2-3 months and haven’t been charged any interest. Just want some extra opinions 


topic_name: Bilt 2.0 is terrible but the worst is yet to come
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qeqjcs/bilt_20_is_terrible_but_the_worst_is_yet_to_come/
collected_at: 2026-02-12T00:06:13.782035+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qeqjcs", "score": 193, "num_comments": 104, "created_utc": 1768593724.0, "selftext": "**Recap of why it is so Terrible:**\u00a0\n\n**Trust:** Having a new complex credit card release with unfinished details and then on top of that an AMA as a representative of a company to give a bunch of wrong information that gets retracted within hours is a horrible image. The worst of this was probably telling people that they could not stack the bonus from the points guy and the 50k bonus, which you absolutely can and they eventually backtracked on. The Bilt employee got torn to shreds on that AMA ", "sort": "top", "upvote_ratio": 0.8, "author": "Kiwifrozen1011"}

selftext:
**Recap of why it is so Terrible:** 

**Trust:** Having a new complex credit card release with unfinished details and then on top of that an AMA as a representative of a company to give a bunch of wrong information that gets retracted within hours is a horrible image. The worst of this was probably telling people that they could not stack the bonus from the points guy and the 50k bonus, which you absolutely can and they eventually backtracked on. The Bilt employee got torn to shreds on that AMA 


topic_name: Laid off for not wanting to go to Church?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r1i7uk/laid_off_for_not_wanting_to_go_to_church/
collected_at: 2026-02-12T00:06:18.920803+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1i7uk", "score": 146, "num_comments": 11, "created_utc": 1770769404.0, "selftext": "Location: California\n\nHello Everyone. \n\nI\u2019m posting this on behalf of my mother who was a IHSS provider. My mother informed me that she was recently laid off by her IHSS recipient. My mother had been a provider for a couple of months. My mother actually really enjoyed her job and duties as a provider. The only down side was that the recipient would constantly speak to my mother about her religion(JW) and force her religion on her. The recipient would always ask my mother to drive her to church o", "sort": "hot", "upvote_ratio": 0.92, "author": "One-Length-8749"}

selftext:
Location: California

Hello Everyone. 

I’m posting this on behalf of my mother who was a IHSS provider. My mother informed me that she was recently laid off by her IHSS recipient. My mother had been a provider for a couple of months. My mother actually really enjoyed her job and duties as a provider. The only down side was that the recipient would constantly speak to my mother about her religion(JW) and force her religion on her. The recipient would always ask my mother to drive her to church o


topic_name: Am I required to accommodate my roommate's disability?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qykpwf/am_i_required_to_accommodate_my_roommates/
collected_at: 2026-02-12T00:06:22.356470+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qykpwf", "score": 1831, "num_comments": 176, "created_utc": 1770487431.0, "selftext": "Location: Angeles, CA\n\nI recently signed a lease with a friend of a friend for a two-bedroom apartment. I was in a rush because my previous roommate moved in with his fiance and I have a dog, so finding a place to live is hard and I was afraid of ending up living in my car. Obviously I rushed into this way too quickly. The guy seemed nice enough, a little awkward and nerdy, but so am I. \n\nWe met a couple of times, signed the lease, and moved in. We didn't have a sit down discussion about househo", "sort": "top", "upvote_ratio": 0.96, "author": "smoshtangerine8745"}

selftext:
Location: Angeles, CA

I recently signed a lease with a friend of a friend for a two-bedroom apartment. I was in a rush because my previous roommate moved in with his fiance and I have a dog, so finding a place to live is hard and I was afraid of ending up living in my car. Obviously I rushed into this way too quickly. The guy seemed nice enough, a little awkward and nerdy, but so am I. 

We met a couple of times, signed the lease, and moved in. We didn't have a sit down discussion about househo


topic_name: LPT: Actively “close” tiny unfinished tasks so they stop draining your attention
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qytpfu/lpt_actively_close_tiny_unfinished_tasks_so_they/
collected_at: 2026-02-12T00:06:28.285974+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qytpfu", "score": 636, "num_comments": 12, "created_utc": 1770509080.0, "selftext": "A surprising amount of mental exhaustion doesn\u2019t come from big problems, but from  dozens of tiny open loops you barely notice. Unsent messages you meant to reply to, tabs you\u2019ll \u201cread later\u201d, notes you half wrote and never came back to, decisions you postponed without actually deciding to postpone them. Each one feels small, but your brain keeps them all running quietly in the background, like apps you  forgot to close. \n\nInstead of trying to finish everything, start deliberately closing things", "sort": "hot", "upvote_ratio": 0.97, "author": "inkandstatic1103"}

selftext:
A surprising amount of mental exhaustion doesn’t come from big problems, but from  dozens of tiny open loops you barely notice. Unsent messages you meant to reply to, tabs you’ll “read later”, notes you half wrote and never came back to, decisions you postponed without actually deciding to postpone them. Each one feels small, but your brain keeps them all running quietly in the background, like apps you  forgot to close. 

Instead of trying to finish everything, start deliberately closing things


topic_name: OG fat PS3 still killing it 19+ years later
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qq0tck/og_fat_ps3_still_killing_it_19_years_later/
collected_at: 2026-02-12T00:06:40.492190+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qq0tck", "score": 1756, "num_comments": 127, "created_utc": 1769667477.0, "selftext": "OG fat PS3 from 2006 still killing it all these years later! Probably my favorite multimedia machine of all time. ", "sort": "top", "upvote_ratio": 0.98, "author": "apuckeredanus"}

selftext:
OG fat PS3 from 2006 still killing it all these years later! Probably my favorite multimedia machine of all time. 


topic_name: Deadly Holiday Trap — Trudy Outsmarts the Gingerbread Man | Violent Night (2022)
source: youtube
region: US
url: https://youtube.com/watch?v=NvolJMwxtpM
collected_at: 2026-02-12T00:04:30.534715
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "NvolJMwxtpM", "channel": "Reelify65", "category": "Entertainment", "category_id": 24, "views": "10926794", "view_count": 10926794, "likes": "515997", "published_at": "2026-02-05T13:01:15Z"}


topic_name: Trump Decries a ‘Nation of Renters’ but His New Policy Promotes One - The New York Times
source: google_news
region: US
collected_at: 2026-02-12T00:04:32.195377
autocomplete: []
category: Headlines
reddit_subreddits: []
signal_type: news_context
url:

metadata:
{"published": "Wed, 11 Feb 2026 10:00:32 GMT", "source_publication": "The New York Times", "category": "Headlines"}


topic_name: Budgeting for beginners
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r21e7z/budgeting_for_beginners/
collected_at: 2026-02-12T00:04:41.814831+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r21e7z", "score": 7, "num_comments": 15, "created_utc": 1770826017.0, "selftext": "I am a 51F who has been divorced for four years. I am embarrassed to say I never paid attention to finances or budgeting and previously my father and then my husband handled most aspects of what I needed to do. \n\nI find myself in a unique situation for the next six months to be able to work and save money. I would really like to set myself up for success moving forward. I\u2019ve secured FT work (I will start as soon as all my clearances have come through).\n\nI have zero clue how to figure out how muc", "sort": "hot", "upvote_ratio": 0.77, "author": "Successful_Elk_4735"}

selftext:
I am a 51F who has been divorced for four years. I am embarrassed to say I never paid attention to finances or budgeting and previously my father and then my husband handled most aspects of what I needed to do. 

I find myself in a unique situation for the next six months to be able to work and save money. I would really like to set myself up for success moving forward. I’ve secured FT work (I will start as soon as all my clearances have come through).

I have zero clue how to figure out how muc


topic_name: Surprise Inheritance, I was totally not prepared for.
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418143+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qdg0kl/surprise_inheritance_i_was_totally_not_prepared/

metadata:
{"subreddit": "personalfinance", "post_id": "1qdg0kl", "score": 758, "num_comments": 428, "created_utc": 1768472715.0, "selftext": "I (32m) just found out that I will be inheriting a very large sum of money and am completely unprepared on what to do with it, if I should do anything at all with it. \n\nOver the holidays a close family member passed away and just this week, I found out they left me a huge surprise...  \n$500,000 in a Schwab account and $50k cash. I have no idea what stocks/bonds/etfs/etc. it is invested in yet, nor any idea on how to handle this life changing windfall. My wife and I have a few ideas for the cash ", "sort": "top", "upvote_ratio": 0.83, "author": "Tonyb97"}

selftext:
I (32m) just found out that I will be inheriting a very large sum of money and am completely unprepared on what to do with it, if I should do anything at all with it. 

Over the holidays a close family member passed away and just this week, I found out they left me a huge surprise...  
$500,000 in a Schwab account and $50k cash. I have no idea what stocks/bonds/etfs/etc. it is invested in yet, nor any idea on how to handle this life changing windfall. My wife and I have a few ideas for the cash 


topic_name: What steps should I take to ensure I understand the total cost of a lease before signing?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1rrsh/what_steps_should_i_take_to_ensure_i_understand/
collected_at: 2026-02-12T00:04:50.635666+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1rrsh", "score": 1, "num_comments": 6, "created_utc": 1770798042.0, "selftext": "I'm considering leasing a 2023 Honda CR-V EX with about 5,000 miles from a dealership in Illinois. While I have a general idea of the monthly payment, I'm unsure about the full cost of leasing, including hidden fees or charges that may not be immediately obvious. \n\nWhat specific details should I clarify with the dealer before signing the lease? I want to make sure I'm fully informed and prepared. Any advice or insights from professionals would be greatly appreciated!", "sort": "hot", "upvote_ratio": 1.0, "author": "ressem"}

selftext:
I'm considering leasing a 2023 Honda CR-V EX with about 5,000 miles from a dealership in Illinois. While I have a general idea of the monthly payment, I'm unsure about the full cost of leasing, including hidden fees or charges that may not be immediately obvious. 

What specific details should I clarify with the dealer before signing the lease? I want to make sure I'm fully informed and prepared. Any advice or insights from professionals would be greatly appreciated!


topic_name: Ok salespeople. What's your fatal sign? The one that says no deal.
source: reddit
region: global
collected_at: 2026-02-12T00:04:53.860242+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1qhpfp6/ok_salespeople_whats_your_fatal_sign_the_one_that/

metadata:
{"subreddit": "askcarsales", "post_id": "1qhpfp6", "score": 49, "num_comments": 102, "created_utc": 1768878234.0, "selftext": "As a salesperson what's the one thing that's an instant 'awww fuddge' moment for you that makes you realize you don't have a deal and are getting leg pee instead? \n\nFor me there are many but the one that really is one is pics. When they take out their phones to take a pic or pics of the vehicle you're done. Take as many pics you want of it in your driveway after you buy it. On the lot ooh and ahh clic clic clic nope. Never come back. Never buy. \n\nFor customers read this. Realize when we see you ", "sort": "top", "upvote_ratio": 0.65, "author": "Intelligent_Trichs"}

selftext:
As a salesperson what's the one thing that's an instant 'awww fuddge' moment for you that makes you realize you don't have a deal and are getting leg pee instead? 

For me there are many but the one that really is one is pics. When they take out their phones to take a pic or pics of the vehicle you're done. Take as many pics you want of it in your driveway after you buy it. On the lot ooh and ahh clic clic clic nope. Never come back. Never buy. 

For customers read this. Realize when we see you 


topic_name: The best store for household essentials turned out to be different for almost every item
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457428+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r1g64s/the_best_store_for_household_essentials_turned/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r1g64s", "score": 127, "num_comments": 29, "created_utc": 1770764384.0, "selftext": "Im trying to stretch our grocery budget as far as possible and finally sat down to figure out where we should actually be shopping for basics like toilet paper, paper towels, dish soap, laundry detergent, trash bags, all that stuff.\n\nThe answer was messier than I wanted. Toilet paper is genuinely cheaper at costco if you have a membership but paper towels are about the same everywhere when you do the per sheet math. Dish soap is best at dollar tree believe it or not. Laundry detergent depends on", "sort": "hot", "upvote_ratio": 0.95, "author": "Justin_3486"}

selftext:
Im trying to stretch our grocery budget as far as possible and finally sat down to figure out where we should actually be shopping for basics like toilet paper, paper towels, dish soap, laundry detergent, trash bags, all that stuff.

The answer was messier than I wanted. Toilet paper is genuinely cheaper at costco if you have a membership but paper towels are about the same everywhere when you do the per sheet math. Dish soap is best at dollar tree believe it or not. Laundry detergent depends on


topic_name: It's just a room but I couldn't be happier. Definitely an upgrade from sleeping on my friends floor
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1qd8ksb/its_just_a_room_but_i_couldnt_be_happier/
collected_at: 2026-02-12T00:05:03.489181+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1qd8ksb", "score": 2268, "num_comments": 83, "created_utc": 1768447676.0, "selftext": "My friend has let me sleep on his floor (he doesn't have a couch).  I just rented this room and I'm littery crying. I have a room and a door. If I want to sleep in I can now.  And a bed!   I've been sleeping on my camping mattress for over a year trying to find a place that doesn't cost my whole paycheck.  I'm in tears.  Everything around me costs so much and no one allows pets.  A wonderful person that I know from our local dog park offered me a room at her house.  I am so thankful.  ", "sort": "top", "upvote_ratio": 0.99, "author": "Zealousideal-Web5346"}

selftext:
My friend has let me sleep on his floor (he doesn't have a couch).  I just rented this room and I'm littery crying. I have a room and a door. If I want to sleep in I can now.  And a bed!   I've been sleeping on my camping mattress for over a year trying to find a place that doesn't cost my whole paycheck.  I'm in tears.  Everything around me costs so much and no one allows pets.  A wonderful person that I know from our local dog park offered me a room at her house.  I am so thankful.  


topic_name: [CA] Selling a gpu, is etransfer fine
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r22ze1/ca_selling_a_gpu_is_etransfer_fine/
collected_at: 2026-02-12T00:05:08.886641+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r22ze1", "score": 3, "num_comments": 31, "created_utc": 1770829519.0, "selftext": "I am selling an rx 9070 xt for 950$ today. They asked for my number so they can make the etransfer when we meet up. \n\nI heard that on marketplace, I should only accept cash. But what is the actual risk of etransfers? Is it more likely that they\u2019ll pay with fake bills?", "sort": "hot", "upvote_ratio": 0.62, "author": "Realeayz"}

selftext:
I am selling an rx 9070 xt for 950$ today. They asked for my number so they can make the etransfer when we meet up. 

I heard that on marketplace, I should only accept cash. But what is the actual risk of etransfers? Is it more likely that they’ll pay with fake bills?


topic_name: [US] Is this too good to be true?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qsyh6g/us_is_this_too_good_to_be_true/
collected_at: 2026-02-12T00:05:12.358834+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qsyh6g", "score": 331, "num_comments": 121, "created_utc": 1769952550.0, "selftext": "UPDATE\n\n\\*\\*\\*Yes, I am apparently blind \ud83d\ude05 It\u2019s AI and I am immediately charging back on my card. I bought through Shopify and PayPal thankfully so that\u2019ll be easy. First time looking through for dresses, I didn't have a lot of experience with possible scam sites. So thanks to everyone who helped for all the tips and tricks to look out for.\\*\\*\\*\n\n\n\nI\u2019ve been desperately searching for a dress for a book ball I\u2019m going to in April. Stumbled across this on Etsy. They offer multiple dresses but thi", "sort": "top", "upvote_ratio": 0.84, "author": "Simplychelseac"}

selftext:
UPDATE

\*\*\*Yes, I am apparently blind 😅 It’s AI and I am immediately charging back on my card. I bought through Shopify and PayPal thankfully so that’ll be easy. First time looking through for dresses, I didn't have a lot of experience with possible scam sites. So thanks to everyone who helped for all the tips and tricks to look out for.\*\*\*



I’ve been desperately searching for a dress for a book ball I’m going to in April. Stumbled across this on Etsy. They offer multiple dresses but thi


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889518+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
The local  Nissan Dealership Send ads under "The U.S department of the treasury bureau of the fiscal service"

url:
https://reddit.com/r/assholedesign/comments/1qc8cca/the_local_nissan_dealership_send_ads_under_the_us/

metadata:
{"subreddit": "assholedesign", "post_id": "1qc8cca", "score": 3217, "num_comments": 144, "created_utc": 1768350117.0, "selftext": "I freaked when I thought i was getting a mail from the IRS, when it was just the local Nissan Hawker", "sort": "hot", "upvote_ratio": 0.96, "author": "Lawrence_skywalker"}

selftext:
I freaked when I thought i was getting a mail from the IRS, when it was just the local Nissan Hawker


topic_name: This makes me so sad - that poor girl
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qzzm2m/this_makes_me_so_sad_that_poor_girl/
collected_at: 2026-02-12T00:05:26.020441+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qzzm2m", "score": 301, "num_comments": 24, "created_utc": 1770628651.0, "selftext": "I'm so sad and angry rn... reading about how the MLM monsters starved and tortured a 19-yo woman for some wicked scheme to make her a \"better MLM\" sales person... evil evil evil \n\nRIP Huang Baoying \n\nNews link: [https://www.straitstimes.com/singapore/courts-crime/man-admits-torturing-girl-19-to-death-her-own-brother-and-their-mlm-coach-facing-murder-charge](https://www.straitstimes.com/singapore/courts-crime/man-admits-torturing-girl-19-to-death-her-own-brother-and-their-mlm-coach-facing-murder-", "sort": "hot", "upvote_ratio": 0.98, "author": "QueenBee299"}

selftext:
I'm so sad and angry rn... reading about how the MLM monsters starved and tortured a 19-yo woman for some wicked scheme to make her a "better MLM" sales person... evil evil evil 

RIP Huang Baoying 

News link: [https://www.straitstimes.com/singapore/courts-crime/man-admits-torturing-girl-19-to-death-her-own-brother-and-their-mlm-coach-facing-murder-charge](https://www.straitstimes.com/singapore/courts-crime/man-admits-torturing-girl-19-to-death-her-own-brother-and-their-mlm-coach-facing-murder-


topic_name: Just A Thought!
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r286yb/just_a_thought/
collected_at: 2026-02-12T00:05:44.256606+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r286yb", "score": 0, "num_comments": 3, "created_utc": 1770840747.0, "selftext": "Hi guys, I just had a thought about something, and idk if insurance companies are already doing it because I haven\u2019t seen or heard about it. My thought is, that would a cool if insurance companies partnered with Uber/Lyft/etc. for ride assistance services to be a feature for insurance policy plans. Say incase you get stranded after a car accident and have no money or way to get home, you can use ride assistance to help, just like how you can use roadside assistance. What\u2019s your thoughts on this?", "sort": "hot", "upvote_ratio": 0.5, "author": "PaleontologistOk1289"}

selftext:
Hi guys, I just had a thought about something, and idk if insurance companies are already doing it because I haven’t seen or heard about it. My thought is, that would a cool if insurance companies partnered with Uber/Lyft/etc. for ride assistance services to be a feature for insurance policy plans. Say incase you get stranded after a car accident and have no money or way to get home, you can use ride assistance to help, just like how you can use roadside assistance. What’s your thoughts on this?


topic_name: Son was in an at fault accident and got a collection notice on the other party's hospital bill.
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qbef2x/son_was_in_an_at_fault_accident_and_got_a/
collected_at: 2026-02-12T00:05:47.658319+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qbef2x", "score": 50, "num_comments": 90, "created_utc": 1768269266.0, "selftext": "Update:  He passed it on this morning.   He said the reaction was a bit of a laugh and then said \"We'll take care of this, I wouldn't stress over this.\"     The person he talked to didn't have much detail on that particular claim since they were not the adjuster dealing with it and they were just someone at the call center who was going to take what he submitted to the adjuster assigned to the claim.      Makes me wonder if the other driver isn't trying to double dip here...  \n\n\n\\##\n\nMy son trav", "sort": "top", "upvote_ratio": 0.68, "author": "Olfa_2024"}

selftext:
Update:  He passed it on this morning.   He said the reaction was a bit of a laugh and then said "We'll take care of this, I wouldn't stress over this."     The person he talked to didn't have much detail on that particular claim since they were not the adjuster dealing with it and they were just someone at the call center who was going to take what he submitted to the adjuster assigned to the claim.      Makes me wonder if the other driver isn't trying to double dip here...  


\##

My son trav


topic_name: Intentionally broken complaint systems on the web?
source: reddit
region: global
collected_at: 2026-02-12T00:05:53.366065+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/darkpatterns/comments/1qqkjtf/intentionally_broken_complaint_systems_on_the_web/

metadata:
{"subreddit": "darkpatterns", "post_id": "1qqkjtf", "score": 13, "num_comments": 3, "created_utc": 1769719626.0, "selftext": "Is this subredddit the most appropriate place to post them/about them?\n\nE.g. when an insurance company or bank intentionally cripples complaint or chargeback systems?  I've come across both recently.    \n  \nIn the case of the insurance company, I found a smoking gun - they modified the page HTML to make it impossible to enter text into the text field, and I have screenshots showing this...", "sort": "hot", "upvote_ratio": 1.0, "author": "MrElvey"}

selftext:
Is this subredddit the most appropriate place to post them/about them?

E.g. when an insurance company or bank intentionally cripples complaint or chargeback systems?  I've come across both recently.    
  
In the case of the insurance company, I found a smoking gun - they modified the page HTML to make it impossible to enter text into the text field, and I have screenshots showing this...


topic_name: Easy, Vegetarian Second-Life Meals
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r15aaf/easy_vegetarian_secondlife_meals/
collected_at: 2026-02-12T00:06:01.656877+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r15aaf", "score": 5, "num_comments": 10, "created_utc": 1770740603.0, "selftext": "Hi folks! I'm wondering if anyone has any ideas for good meals that are healthy, easy-prep and easy-clean, and can be made from stuff that is either shelf-stable or freezer-kept. I've been in a really busy period of work and the cognitive overload of trying to prepare meals in advance or even go grocery shopping is just too much and then I get take out or something really processed because I just don't have the energy to do anything else. I'm trying to come up with a list of recipes I can have o", "sort": "hot", "upvote_ratio": 0.67, "author": "KittyMcPussOHNO"}

selftext:
Hi folks! I'm wondering if anyone has any ideas for good meals that are healthy, easy-prep and easy-clean, and can be made from stuff that is either shelf-stable or freezer-kept. I've been in a really busy period of work and the cognitive overload of trying to prepare meals in advance or even go grocery shopping is just too much and then I get take out or something really processed because I just don't have the energy to do anything else. I'm trying to come up with a list of recipes I can have o


topic_name: CHASE UNITED CARD - From Explorer to Quest Cars
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2dh91/chase_united_card_from_explorer_to_quest_cars/
collected_at: 2026-02-12T00:06:10.587830+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2dh91", "score": 1, "num_comments": 1, "created_utc": 1770852970.0, "selftext": "I\u2019ve had the Chase United Explorer Card for a couple years now but would like to sign up for Chase Quest Card as I think this fits me more with the amount of times I fly with United\u2026 also the sign up bonus is pretty high right now.\n\n\nMy question is:\n1) if I sign up up Quest Card while having the Explorer card, will o be eligible for the sign up bonus still?\n2) if I get approved for Quest Card, how can I downgrade my Explorer to not have the annual fee (because I don\u2019t want to close it)\n3) how lo", "sort": "hot", "upvote_ratio": 1.0, "author": "janedoepy1011"}

selftext:
I’ve had the Chase United Explorer Card for a couple years now but would like to sign up for Chase Quest Card as I think this fits me more with the amount of times I fly with United… also the sign up bonus is pretty high right now.


My question is:
1) if I sign up up Quest Card while having the Explorer card, will o be eligible for the sign up bonus still?
2) if I get approved for Quest Card, how can I downgrade my Explorer to not have the annual fee (because I don’t want to close it)
3) how lo


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qn2iep/amex_approved_me_for_a_300k_business_platinum/
collected_at: 2026-02-12T00:06:13.782039+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
Amex approved me for a 300k Business Platinum offer, took $20k+ spend + $895 AF… then said I was "never eligible"

metadata:
{"subreddit": "CreditCards", "post_id": "1qn2iep", "score": 181, "num_comments": 46, "created_utc": 1769392118.0, "selftext": "I\u2019m honestly still in disbelief typing this.\n\nI applied for the Amex Business Platinum after being shown the 300k Membership Rewards offer after $20k spend. No pop-up jail, no warning, no \"you\u2019re not eligible\" message. Clean approval.\n\nBecause I had a large upcoming expense, I made a deliberate decision to use this card specifically for the bonus. I paid the $895 annual fee, then ran over $20,000 through the card within the required timeframe.\n\nImportant detail: the merchant charged about a 5% p", "sort": "top", "upvote_ratio": 0.96, "author": "anthonyyoussef01"}

selftext:
I’m honestly still in disbelief typing this.

I applied for the Amex Business Platinum after being shown the 300k Membership Rewards offer after $20k spend. No pop-up jail, no warning, no "you’re not eligible" message. Clean approval.

Because I had a large upcoming expense, I made a deliberate decision to use this card specifically for the bonus. I paid the $895 annual fee, then ran over $20,000 through the card within the required timeframe.

Important detail: the merchant charged about a 5% p


topic_name: Overtime hours and work week
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2dcte/overtime_hours_and_work_week/
collected_at: 2026-02-12T00:06:18.920807+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2dcte", "score": 2, "num_comments": 0, "created_utc": 1770852651.0, "selftext": "Hello! I\u2019m a travel nurse working in Ohio through a travel agency based in California. I usually work night shift Monday through Thursday 9pm to 730am. One week I worked Wednesday thru Saturday 9pm to 730am. My final shift crossed over from one work week to the next. They process payroll from Sunday 1200am to Saturday 1159pm. They are telling me that since that shift started on Saturday the hours are only attributed to Saturday. \n\nIs this correct? Would the hours worked on Sunday be counted towa", "sort": "hot", "upvote_ratio": 1.0, "author": "Rare-Efficiency-2107"}

selftext:
Hello! I’m a travel nurse working in Ohio through a travel agency based in California. I usually work night shift Monday through Thursday 9pm to 730am. One week I worked Wednesday thru Saturday 9pm to 730am. My final shift crossed over from one work week to the next. They process payroll from Sunday 1200am to Saturday 1159pm. They are telling me that since that shift started on Saturday the hours are only attributed to Saturday. 

Is this correct? Would the hours worked on Sunday be counted towa


topic_name: My father was taken by ice last Thursday. I am becoming a citizen tomorrow. Location: New Jersey
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qvf5t0/my_father_was_taken_by_ice_last_thursday_i_am/
collected_at: 2026-02-12T00:06:22.356473+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qvf5t0", "score": 1814, "num_comments": 51, "created_utc": 1770180391.0, "selftext": "Hi my father was taken by ice on Thursday, and I am becoming a US citizen tomorrow (ceremony). He signed a volunteer to deport they're treating him horribly. He's in Texas now. Is their anyway I can save him??\n\nLocation: New Jersey", "sort": "top", "upvote_ratio": 0.88, "author": "AntNo2109"}

selftext:
Hi my father was taken by ice on Thursday, and I am becoming a US citizen tomorrow (ceremony). He signed a volunteer to deport they're treating him horribly. He's in Texas now. Is their anyway I can save him??

Location: New Jersey


topic_name: LPT: don’t respond to posts that make you angry
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qycw11/lpt_dont_respond_to_posts_that_make_you_angry/
collected_at: 2026-02-12T00:06:28.285979+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qycw11", "score": 925, "num_comments": 89, "created_utc": 1770468311.0, "selftext": "Not only is it bad for your mental health but it\u2019s bad for your algorithm.  I was in a combative mood for a few days and now most of my social media threads are from groups and individuals who I don\u2019t like and who make me angry.  \n\nThe algorithm learns quicker than ever how to get engagement from you and will give you more of whatever causes you to spend time on their platform.  ", "sort": "hot", "upvote_ratio": 0.95, "author": "maddsskills"}

selftext:
Not only is it bad for your mental health but it’s bad for your algorithm.  I was in a combative mood for a few days and now most of my social media threads are from groups and individuals who I don’t like and who make me angry.  

The algorithm learns quicker than ever how to get engagement from you and will give you more of whatever causes you to spend time on their platform.  


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qcgatr/lpt_when_reading_long_documents_contracts/
collected_at: 2026-02-12T00:06:31.302074+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT When reading long documents (contracts, policies, terms), search for words like “except”, “unless”, and “however” that’s where the real conditions and risks usually hide.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qcgatr", "score": 5424, "num_comments": 69, "created_utc": 1768373072.0, "selftext": "These words often signal clauses that override what you just read. Skimming for them can save time and prevent misunderstandings in contracts, job offers, refund policies, and agreements.", "sort": "top", "upvote_ratio": 0.95, "author": "vishesh_07_028"}

selftext:
These words often signal clauses that override what you just read. Skimming for them can save time and prevent misunderstandings in contracts, job offers, refund policies, and agreements.


source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789614+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
aran crafts &amp; aran woollen mills both sell sweaters through amazon.  how does the quality compare to alternative brands?

url:
https://reddit.com/r/BuyItForLife/comments/1r236sm/aran_crafts_aran_woollen_mills_both_sell_sweaters/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r236sm", "score": 2, "num_comments": 5, "created_utc": 1770829961.0, "selftext": "aran crafts &amp; aran woolllen mills both sell aran sweaters through amazon - 100% wool, made in ireland.  authentic, but more readily available in the united states than companies like aran sweater market, who have international shipping fees, duties, etc.\n\nam i sacrificing quality by not paying a little more?", "sort": "hot", "upvote_ratio": 0.63, "author": "europeanuppercut"}

selftext:
aran crafts &amp; aran woolllen mills both sell aran sweaters through amazon - 100% wool, made in ireland.  authentic, but more readily available in the united states than companies like aran sweater market, who have international shipping fees, duties, etc.

am i sacrificing quality by not paying a little more?


topic_name: American Giant is garbage
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qc2e06/american_giant_is_garbage/
collected_at: 2026-02-12T00:06:40.492195+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qc2e06", "score": 1710, "num_comments": 193, "created_utc": 1768336171.0, "selftext": "I ordered pants through this website, my second pair, and the pants are wildly the wrong size despite being labeled 36x30 as illustrated by the attached photos. I wrote to them, and was told 3 days, and then no response. I used Instagram to contact them, they said \"we will have someone contact you\". I was contacted with basically \"eh sorry deal with it with your credit card\". I am TRYING to deal with it through the company and cannot even get an acknowledgement of the photo evidence that I sent ", "sort": "top", "upvote_ratio": 0.95, "author": "geneva_illusions"}

selftext:
I ordered pants through this website, my second pair, and the pants are wildly the wrong size despite being labeled 36x30 as illustrated by the attached photos. I wrote to them, and was told 3 days, and then no response. I used Instagram to contact them, they said "we will have someone contact you". I was contacted with basically "eh sorry deal with it with your credit card". I am TRYING to deal with it through the company and cannot even get an acknowledgement of the photo evidence that I sent 


topic_name: 2025 Update (Late) Age 36 Couple + 2 Kids $1.95M Invested
source: reddit
region: global
collected_at: 2026-02-12T00:06:46.999972+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qvyals/2025_update_late_age_36_couple_2_kids_195m/

metadata:
{"subreddit": "financialindependence", "post_id": "1qvyals", "score": 68, "num_comments": 36, "created_utc": 1770233392.0, "selftext": "Again posting late, but I thought better late than never. We are a couple both 36 years old with 2 kids. The numbers have gone up but overall a very similar post to last year.\n\n[2023 Post](https://www.reddit.com/r/financialindependence/comments/18ofn77/34m34f_2_children_5_and_1_year_11m_invested_15m/)\n\n[2024 Post](https://www.reddit.com/r/financialindependence/comments/1i9r0ae/2024_update_late_age_35_couple_2_kids_16m_invested/)\n\n**Rough Investment/Cash Timeline (Excluding home):**\n\n|**Year**|**", "sort": "hot", "upvote_ratio": 0.77, "author": "ApprehensiveOne9911"}

selftext:
Again posting late, but I thought better late than never. We are a couple both 36 years old with 2 kids. The numbers have gone up but overall a very similar post to last year.

[2023 Post](https://www.reddit.com/r/financialindependence/comments/18ofn77/34m34f_2_children_5_and_1_year_11m_invested_15m/)

[2024 Post](https://www.reddit.com/r/financialindependence/comments/1i9r0ae/2024_update_late_age_35_couple_2_kids_16m_invested/)

**Rough Investment/Cash Timeline (Excluding home):**

|**Year**|**


topic_name: #film #movie "Pay Up... or Throw Down!" 😂💸 | Vinny's Hilarious Diner Showdown | My Cousin Vinny
source: youtube
region: US
url: https://youtube.com/watch?v=vVYFvUcvSek
collected_at: 2026-02-12T00:04:30.534751
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "vVYFvUcvSek", "channel": "V\u0103n \u0110\u00fang L\u00ea", "category": "Entertainment", "category_id": 24, "views": "9964655", "view_count": 9964655, "likes": "411394", "published_at": "2026-02-03T13:24:16Z"}


topic_name: GURU RANDHAWA - DOPAMINE
source: youtube
region: CA
url: https://youtube.com/watch?v=iOgR7hi90Ac
collected_at: 2026-02-12T00:04:31.596845
autocomplete: []
category: Music
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "iOgR7hi90Ac", "channel": "Guru Randhawa", "category": "Music", "category_id": 10, "views": "12558561", "view_count": 12558561, "likes": "383815", "published_at": "2026-01-29T05:59:46Z"}


source: google_news
region: US
collected_at: 2026-02-12T00:04:32.195385
autocomplete: []
category: Headlines
reddit_subreddits: []
signal_type: news_context
topic_name:
Microsoft says hackers are exploiting critical zero-day bugs to target Windows and Office users - TechCrunch

url:

metadata:
{"published": "Wed, 11 Feb 2026 20:46:40 GMT", "source_publication": "TechCrunch", "category": "Headlines"}


topic_name: When AI Starts Building the Game - The Motley Fool
source: google_news
region: CA
collected_at: 2026-02-12T00:04:35.900803
autocomplete: []
category: Headlines
reddit_subreddits: []
signal_type: news_context
metadata:
{"published": "Wed, 11 Feb 2026 17:14:00 GMT", "source_publication": "The Motley Fool", "category": "Headlines"}


topic_name: Considering liquidating the 401k
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r183oz/considering_liquidating_the_401k/
collected_at: 2026-02-12T00:04:41.814835+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r183oz", "score": 307, "num_comments": 96, "created_utc": 1770746657.0, "selftext": "Hear me out.\n\nMy wife has multiple chronic, incurable autoimmune diseases, one of which would have been a death sentence just 10 years ago. While new advances in medications and research mean she won't die from the slow, painful shutdown of her nervous system anymore, the symptoms she DOES have are taking a toll. She's aging before my eyes and her life expectancy is drastically shorter than it would have been. She will not likely see 65 and in all likelihood, the first cancer or cardiac problem ", "sort": "hot", "upvote_ratio": 0.84, "author": "ilikeaffection"}

selftext:
Hear me out.

My wife has multiple chronic, incurable autoimmune diseases, one of which would have been a death sentence just 10 years ago. While new advances in medications and research mean she won't die from the slow, painful shutdown of her nervous system anymore, the symptoms she DOES have are taking a toll. She's aging before my eyes and her life expectancy is drastically shorter than it would have been. She will not likely see 65 and in all likelihood, the first cancer or cardiac problem 


topic_name: Stupid Amount in HYSA
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qqhcmg/stupid_amount_in_hysa/
collected_at: 2026-02-12T00:04:45.418147+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qqhcmg", "score": 757, "num_comments": 202, "created_utc": 1769712655.0, "selftext": "Long time listener, first time caller here.\n\nMy income has come in some very strong waves and now somehow I have $470k in a high yield savings account.\n\nThat\u2019s about 30% of my total amount of cash (other 70% is maximized in 401k, Backdoor Roth, Kids College Savings, and Brokerage).\n\ni want to keep enough dry powder for 6 months living expenses, vacations, and another preowned car.. but that\u2019s about my 3 year horizon on purchases.\n\nAll my tax sheltered accounts are maximized so that leaves me wit", "sort": "top", "upvote_ratio": 0.8, "author": "burner4thestuff"}

selftext:
Long time listener, first time caller here.

My income has come in some very strong waves and now somehow I have $470k in a high yield savings account.

That’s about 30% of my total amount of cash (other 70% is maximized in 401k, Backdoor Roth, Kids College Savings, and Brokerage).

i want to keep enough dry powder for 6 months living expenses, vacations, and another preowned car.. but that’s about my 3 year horizon on purchases.

All my tax sheltered accounts are maximized so that leaves me wit


topic_name: Ordered Car being delivered while on vacation
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1qt6g/ordered_car_being_delivered_while_on_vacation/
collected_at: 2026-02-12T00:04:50.635671+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1qt6g", "score": 0, "num_comments": 8, "created_utc": 1770794474.0, "selftext": "Ordered a 2026 BMW M3 with a deposit, its looking like it will be delivered when I am on vacation. Was reading around the forums some say if you sign and pay for the car, they would hold. i am planning on financing with them with a large down payment. Yes I am planning on asking them when they open up but wanted to see if others had similar situation\n\n  \nEdit: Added car", "sort": "hot", "upvote_ratio": 0.5, "author": "itzpotatoz"}

selftext:
Ordered a 2026 BMW M3 with a deposit, its looking like it will be delivered when I am on vacation. Was reading around the forums some say if you sign and pay for the car, they would hold. i am planning on financing with them with a large down payment. Yes I am planning on asking them when they open up but wanted to see if others had similar situation

  
Edit: Added car


topic_name: What's a car advice that's outdated now as of 2026
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qq8chl/whats_a_car_advice_thats_outdated_now_as_of_2026/
collected_at: 2026-02-12T00:04:53.860247+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qq8chl", "score": 47, "num_comments": 53, "created_utc": 1769692795.0, "selftext": "I'm planning on buying a beginner car soon and all the older people are telling me to buy a corolla or a civic that's under 5k and 100k mileage because that's how they did it. Do they know that the price tripled ever since? \n\nI was hoping to hear more up to date advice for this instead? Affordability and cash flow considered already of course.", "sort": "top", "upvote_ratio": 0.93, "author": "coffeetravelerr"}

selftext:
I'm planning on buying a beginner car soon and all the older people are telling me to buy a corolla or a civic that's under 5k and 100k mileage because that's how they did it. Do they know that the price tripled ever since? 

I was hoping to hear more up to date advice for this instead? Affordability and cash flow considered already of course.


topic_name: Overpriced lease renewals vs. new customers.
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1i5ry/overpriced_lease_renewals_vs_new_customers/
collected_at: 2026-02-12T00:04:59.457432+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1i5ry", "score": 77, "num_comments": 15, "created_utc": 1770769248.0, "selftext": "I don\u2019t really get it. Why is it considered a fair business practice?\n\n430 sqft studio. Lived here for 2.5 years, no late payments, no maintenance requests. Renewal offer is:\n\n1) 12-month lease at $1225/mo\n\n2) month-to-month at $1225/mo + $150/mo fee (so $1375/mo)\n\nThey have multiple vacant units on apartments.com for $1095. I understand why they do it. Existing tenants want to avoid the pain of moving, vs. new tenants who already are.\n\nThe part I don\u2019t get is why we\u2019re all cool with it being al", "sort": "hot", "upvote_ratio": 0.87, "author": "nba2k11er"}

selftext:
I don’t really get it. Why is it considered a fair business practice?

430 sqft studio. Lived here for 2.5 years, no late payments, no maintenance requests. Renewal offer is:

1) 12-month lease at $1225/mo

2) month-to-month at $1225/mo + $150/mo fee (so $1375/mo)

They have multiple vacant units on apartments.com for $1095. I understand why they do it. Existing tenants want to avoid the pain of moving, vs. new tenants who already are.

The part I don’t get is why we’re all cool with it being al


topic_name: If you are experiencing food insecurity, consider a job that includes meals
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489184+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qmybh3/if_you_are_experiencing_food_insecurity_consider/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qmybh3", "score": 2035, "num_comments": 175, "created_utc": 1769381632.0, "selftext": "Did you know that most hotels offer a free staff cafeteria and include at least one meal a day?  \n\nI was struck by a recent post where OP was struggling with food insecurity and was finding it difficult to get to the food banks, or the food banks would be out of food due to so much necessity.  I have worked in hotels most of my professional career, and they always included a free staff cafeteria.  It didn't depend what your position was, you could count on a free hot meal during your shift.  \n\nA", "sort": "top", "upvote_ratio": 0.98, "author": "Calle_Sin_Nombre"}

selftext:
Did you know that most hotels offer a free staff cafeteria and include at least one meal a day?  

I was struck by a recent post where OP was struggling with food insecurity and was finding it difficult to get to the food banks, or the food banks would be out of food due to so much necessity.  I have worked in hotels most of my professional career, and they always included a free staff cafeteria.  It didn't depend what your position was, you could count on a free hot meal during your shift.  

A


topic_name: Is this job a scam? [US]
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r2aaa5/is_this_job_a_scam_us/
collected_at: 2026-02-12T00:05:08.886645+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r2aaa5", "score": 0, "num_comments": 16, "created_utc": 1770845465.0, "selftext": "I had an interview today for a \u201cHome Improvement Sales &amp; Consulting\u201d job with a construction company and I\u2019m not sure if it\u2019s legit.\n\nSome details:\n\n\u2022 They said average earnings range from $50k to \u201c7 figures,\u201d which seemed extremely wide.  \n\n\u2022 The office was basically empty \u2014 just a small room with a table and two chairs.  \n\n\u2022 The interviewer said I was hired before I even left and told me to text the recruiter that I start March 1st.  \n\n\u2022 The recruiter then told me to text him a photo of my", "sort": "hot", "upvote_ratio": 0.5, "author": "Groundbreaking_Fun62"}

selftext:
I had an interview today for a “Home Improvement Sales &amp; Consulting” job with a construction company and I’m not sure if it’s legit.

Some details:

• They said average earnings range from $50k to “7 figures,” which seemed extremely wide.  

• The office was basically empty — just a small room with a table and two chairs.  

• The interviewer said I was hired before I even left and told me to text the recruiter that I start March 1st.  

• The recruiter then told me to text him a photo of my


source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qxu6qx/scam_posts_on_city_subreddits_claiming_to_need/
collected_at: 2026-02-12T00:05:12.358839+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
topic_name:
Scam posts on city subreddits claiming to need insulin with titles like "24f trying to keep things together"

metadata:
{"subreddit": "Scams", "post_id": "1qxu6qx", "score": 305, "num_comments": 36, "created_utc": 1770412588.0, "selftext": "I've seen this scam pop up on more than a hundred different subreddits, so I thought I'd post a warning about it here. The scammer makes a post on a subreddit, typically a city-based or locale-based subreddit. The title of the scam post is \"24f Trying to keep things together\" or \"25f Dealing with a lot right now\" or \"24f Managing some heavy stuff at the moment\" or \"23f Going through a lot right now\" or \"22f Going through a challenging time\". You can see the pattern. If you google these titles, y", "sort": "top", "upvote_ratio": 0.98, "author": "lankylizards"}

selftext:
I've seen this scam pop up on more than a hundred different subreddits, so I thought I'd post a warning about it here. The scammer makes a post on a subreddit, typically a city-based or locale-based subreddit. The title of the scam post is "24f Trying to keep things together" or "25f Dealing with a lot right now" or "24f Managing some heavy stuff at the moment" or "23f Going through a lot right now" or "22f Going through a challenging time". You can see the pattern. If you google these titles, y


topic_name: The 2026 user experience starter pack
source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1qblg6p/the_2026_user_experience_starter_pack/
collected_at: 2026-02-12T00:05:17.889521+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "assholedesign", "post_id": "1qblg6p", "score": 4661, "num_comments": 179, "created_utc": 1768290666.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.98, "author": "ThreeProphets"}


topic_name: Can I still quit?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r03c22/can_i_still_quit/
collected_at: 2026-02-12T00:05:26.020444+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1r03c22", "score": 74, "num_comments": 41, "created_utc": 1770641351.0, "selftext": "So I will keep it short, I'm just a first year college student who got recruit into Amway by an Upline. At first I thought that it was a good Idea because I never have a job before. But after some research I find out that it's not what I think at all. Thing is I already paid the 1 year registration fees but I didn't give them my banknote account yet. Can I just ghosted them and block them? Or do I have to directly asks them that I want to quit.", "sort": "hot", "upvote_ratio": 0.89, "author": "Surak_ruengsang"}

selftext:
So I will keep it short, I'm just a first year college student who got recruit into Amway by an Upline. At first I thought that it was a good Idea because I never have a job before. But after some research I find out that it's not what I think at all. Thing is I already paid the 1 year registration fees but I didn't give them my banknote account yet. Can I just ghosted them and block them? Or do I have to directly asks them that I want to quit.


topic_name: Post Car Accident Help
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r281hz/post_car_accident_help/
collected_at: 2026-02-12T00:05:44.256610+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r281hz", "score": 1, "num_comments": 11, "created_utc": 1770840393.0, "selftext": "I was recently in a very minor car accident where a car was in my blind spot and there was a small collision. Fortunately I was able to react quick and the damage was a small paint scrape. We exchanged insurance and numbers and the next day I got a call from my insurance. I heard that it's better to try to not involve insurance and I open to paying for the damages for both parties out of pocket.\n\nThis is my first accident so I'm not sure what's going to happen next, but is there any way to withd", "sort": "hot", "upvote_ratio": 0.67, "author": "BreathNumerous8219"}

selftext:
I was recently in a very minor car accident where a car was in my blind spot and there was a small collision. Fortunately I was able to react quick and the damage was a small paint scrape. We exchanged insurance and numbers and the next day I got a call from my insurance. I heard that it's better to try to not involve insurance and I open to paying for the damages for both parties out of pocket.

This is my first accident so I'm not sure what's going to happen next, but is there any way to withd


topic_name: Husband rear ended someone today
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qokphg/husband_rear_ended_someone_today/
collected_at: 2026-02-12T00:05:47.658323+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qokphg", "score": 39, "num_comments": 131, "created_utc": 1769535655.0, "selftext": "My husband rear ended someone today and totaled our car. We only have liability so it\u2019s a total loss. The other person involved had very minimal damage and said they think we could settle outside of insurance. A police report was filed and my husband is at fault I\u2019d assume based off that although he was only given a warning no citation. Everyone is saying we should just avoid telling our insurance company since no ticket was given, our car wouldn\u2019t be covered, and the other person said they don\u2019", "sort": "top", "upvote_ratio": 0.77, "author": "Reasonable_Coffee_14"}

selftext:
My husband rear ended someone today and totaled our car. We only have liability so it’s a total loss. The other person involved had very minimal damage and said they think we could settle outside of insurance. A police report was filed and my husband is at fault I’d assume based off that although he was only given a warning no citation. Everyone is saying we should just avoid telling our insurance company since no ticket was given, our car wouldn’t be covered, and the other person said they don’


topic_name: BBC News don't give you an option for 'No'
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qpe7du/bbc_news_dont_give_you_an_option_for_no/
collected_at: 2026-02-12T00:05:53.366068+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qpe7du", "score": 21, "num_comments": 6, "created_utc": 1769613636.0, "selftext": "https://preview.redd.it/304nxxjuw3gg1.png?width=820&amp;format=png&amp;auto=webp&amp;s=f72db5f4a3be26186f0e2561f09c5b4ecf86e872\n\nPop-up appears on the BBC News website when you open an article. It doesn't give you a 'No' option, just a 'Maybe later' link and it frustrates me so much that I signed up just to submit this.", "sort": "hot", "upvote_ratio": 0.96, "author": "crastinblack"}

selftext:
https://preview.redd.it/304nxxjuw3gg1.png?width=820&amp;format=png&amp;auto=webp&amp;s=f72db5f4a3be26186f0e2561f09c5b4ecf86e872

Pop-up appears on the BBC News website when you open an article. It doesn't give you a 'No' option, just a 'Maybe later' link and it frustrates me so much that I signed up just to submit this.


topic_name: What's your advice for college students?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r1iitg/whats_your_advice_for_college_students/
collected_at: 2026-02-12T00:06:01.656881+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r1iitg", "score": 0, "num_comments": 5, "created_utc": 1770770178.0, "selftext": "I (18F) am thinking about how I can save money while preparing to move states for college and living in a dorm. (Side note: I just spent a lot of time fixing my old computer, which is a huge weight off my chest because I thought I'd have to buy another.)\n\n\n\nAny tips on saving money before and during college/dorm life? ie. no-buy groups for dorm furniture, taking classes online, study in a library vs cafe, etc. \n\n\n\nI also plan on taking the train from Boston to New York to visit my boyfriend, so ", "sort": "hot", "upvote_ratio": 0.5, "author": "ImpressiveGuest4871"}

selftext:
I (18F) am thinking about how I can save money while preparing to move states for college and living in a dorm. (Side note: I just spent a lot of time fixing my old computer, which is a huge weight off my chest because I thought I'd have to buy another.)



Any tips on saving money before and during college/dorm life? ie. no-buy groups for dorm furniture, taking classes online, study in a library vs cafe, etc. 



I also plan on taking the train from Boston to New York to visit my boyfriend, so 


topic_name: Relatively new to credit cards, best card for car repairs?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2dh1y/relatively_new_to_credit_cards_best_card_for_car/
collected_at: 2026-02-12T00:06:10.587834+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2dh1y", "score": 1, "num_comments": 0, "created_utc": 1770852955.0, "selftext": "My coworker is always telling me about his chase sapphire card, however I have no interest in any points or travel benefits at the moment. The only experience I have with credit cards is my Chime credit builder card. I have some repairs needed on my car and normally I pay everything out of pocket but I'd rather not wait too long to take care of this.", "sort": "hot", "upvote_ratio": 1.0, "author": "inthehxightse"}

selftext:
My coworker is always telling me about his chase sapphire card, however I have no interest in any points or travel benefits at the moment. The only experience I have with credit cards is my Chime credit builder card. I have some repairs needed on my car and normally I pay everything out of pocket but I'd rather not wait too long to take care of this.


topic_name: Capital One Negative Changes To Lounge Access For Venture X Cardholders Now Live
source: reddit
region: global
collected_at: 2026-02-12T00:06:13.782042+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1qtcpj0/capital_one_negative_changes_to_lounge_access_for/

metadata:
{"subreddit": "CreditCards", "post_id": "1qtcpj0", "score": 176, "num_comments": 112, "created_utc": 1769984381.0, "selftext": "https://www.doctorofcredit.com/capital-one-announces-negative-changes-to-lounge-access-for-venture-x-cardholders/", "sort": "top", "upvote_ratio": 0.95, "author": "TV_Grim_Reaper"}

selftext:
https://www.doctorofcredit.com/capital-one-announces-negative-changes-to-lounge-access-for-venture-x-cardholders/


topic_name: Failure to maintain lane control [NC]
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r29hdn/failure_to_maintain_lane_control_nc/
collected_at: 2026-02-12T00:06:18.920811+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r29hdn", "score": 3, "num_comments": 1, "created_utc": 1770843657.0, "selftext": "Hello!\u00a0I totaled my car and was given a ticket for failing to maintain lane control within a single lane while driving on a street with clearly marked lanes for traffic (G.S. 20-146(D)(1)). Location: Charlotte, NC\n\nI was getting off on an exit and did not see the signs to slow down (pretty much a U-turn exit), took the exit too fast, and my car slid off the road, hit a dirt embankment, and flipped. It was my first car and my first car accident as the driver. :(\n\nNo other drivers involved, no pas", "sort": "hot", "upvote_ratio": 0.81, "author": "Away_Background7733"}

selftext:
Hello! I totaled my car and was given a ticket for failing to maintain lane control within a single lane while driving on a street with clearly marked lanes for traffic (G.S. 20-146(D)(1)). Location: Charlotte, NC

I was getting off on an exit and did not see the signs to slow down (pretty much a U-turn exit), took the exit too fast, and my car slid off the road, hit a dirt embankment, and flipped. It was my first car and my first car accident as the driver. :(

No other drivers involved, no pas


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qxtftp/lpt_never_ever_plug_a_space_heater_into_a_power/
collected_at: 2026-02-12T00:06:28.285983+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT: Never, ever plug a space heater into a power strip or extension cord. Plug it directly into the wall outlet.

metadata:
{"subreddit": "LifeProTips", "post_id": "1qxtftp", "score": 1826, "num_comments": 236, "created_utc": 1770410865.0, "selftext": "Most power strips aren't rated for the continuous high amperage a heater draws. They can melt and catch fire without ever tripping the circuit breaker. My neighbor almost lost their apartment because of a \"heavy-duty\" strip that couldn't handle the load. If the cord feels hot to the touch, unplug it immediately.", "sort": "hot", "upvote_ratio": 0.89, "author": "GuitarFriendly2298"}

selftext:
Most power strips aren't rated for the continuous high amperage a heater draws. They can melt and catch fire without ever tripping the circuit breaker. My neighbor almost lost their apartment because of a "heavy-duty" strip that couldn't handle the load. If the cord feels hot to the touch, unplug it immediately.


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1bcpv/what_bifl_items_do_you_not_mind_purchasing_used/
collected_at: 2026-02-12T00:06:36.789618+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
What BIFL items do you not mind purchasing used or off of a second-hand marketplace? On the flip side, which do you prefer to buy new?

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1bcpv", "score": 63, "num_comments": 53, "created_utc": 1770753576.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.86, "author": "AlchemistFornix"}


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qgvc0m/every_christmas_since_199899_my_wifes_aunt_has/
collected_at: 2026-02-12T00:06:40.492200+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
Every Christmas since 1998/99 my wife’s aunt has bought her a couple new pieces of Villeroy &amp; Boch… we use it every day.

metadata:
{"subreddit": "BuyItForLife", "post_id": "1qgvc0m", "score": 1698, "num_comments": 69, "created_utc": 1768799886.0, "selftext": "We even put it in the dishwasher and it still looks great.\n\nAs an avid thrifter I don\u2019t think I\u2019d ever personally drop $300 (CAD) for a teapot but there is no denying the quality. We sure use everything often.!\n\nAnyone else a fan of Villeroy &amp; Boch?", "sort": "top", "upvote_ratio": 0.98, "author": "HollowBambooEnt"}

selftext:
We even put it in the dishwasher and it still looks great.

As an avid thrifter I don’t think I’d ever personally drop $300 (CAD) for a teapot but there is no denying the quality. We sure use everything often.!

Anyone else a fan of Villeroy &amp; Boch?


source: reddit
region: global
collected_at: 2026-02-12T00:06:46.999981+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
topic_name:
Roth 401k rollover to Roth IRA at 50 – trying to understand 5-year rules and withdrawals while living abroad

url:
https://reddit.com/r/financialindependence/comments/1qw90o4/roth_401k_rollover_to_roth_ira_at_50_trying_to/

metadata:
{"subreddit": "financialindependence", "post_id": "1qw90o4", "score": 13, "num_comments": 7, "created_utc": 1770258822.0, "selftext": "Hi all,\n\nI\u2019m 40, make around $188k/year, and I\u2019m contributing mostly to my Roth 401k with additional after-tax contributions that are auto-converted to Roth in-plan (Fidelity handles this). I\u2019m planning to retire abroad at 50 and want to understand how to handle Roth 401k rollovers to a Roth IRA.\n\nHere\u2019s my situation:\n\n* Roth 401k contributions: $24.5k/year\n* After-tax contributions + in-plan conversions: \\~$25.5k/year\n* I\u2019ll contribute like this for the next 10 years (age 40-50)\n* I\u2019m not plann", "sort": "hot", "upvote_ratio": 0.74, "author": "honest-buffalo1900"}

selftext:
Hi all,

I’m 40, make around $188k/year, and I’m contributing mostly to my Roth 401k with additional after-tax contributions that are auto-converted to Roth in-plan (Fidelity handles this). I’m planning to retire abroad at 50 and want to understand how to handle Roth 401k rollovers to a Roth IRA.

Here’s my situation:

* Roth 401k contributions: $24.5k/year
* After-tax contributions + in-plan conversions: \~$25.5k/year
* I’ll contribute like this for the next 10 years (age 40-50)
* I’m not plann


topic_name: I've Never Seen A Feature Like This Before... #Shorts
source: youtube
region: US
url: https://youtube.com/watch?v=FnsXnPgF8kY
collected_at: 2026-02-12T00:04:31.072169
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "FnsXnPgF8kY", "channel": "Phone Repair Guru", "category": "Science & Technology", "category_id": 28, "views": "9749468", "view_count": 9749468, "likes": "407521", "published_at": "2026-01-28T18:22:51Z"}


topic_name: Android 16 gets a fresh new update that's now rolling out to Pixel devices - Android Police
source: google_news
region: CA
collected_at: 2026-02-12T00:04:35.900809
autocomplete: []
category: Headlines
reddit_subreddits: []
signal_type: news_context
metadata:
{"published": "Tue, 10 Feb 2026 22:47:21 GMT", "source_publication": "Android Police", "category": "Headlines"}


topic_name: 50K Series EE Bond Windfall and 401k Contributions
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814840+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r20a9h/50k_series_ee_bond_windfall_and_401k_contributions/

metadata:
{"subreddit": "personalfinance", "post_id": "1r20a9h", "score": 6, "num_comments": 4, "created_utc": 1770823509.0, "selftext": "Hello all,\n\nRecently recieved paper Series EE bonds worth about 50k that my parents were holding onto for me from a relative. Trying to figure out how to handle the windfall and minimize my tax obligations:\n\nCurrently put 15% of my income towards a 401k which with my employer match is about 18K a year. Considering upping my % for the 6 weeks these bonds will take to process so I can put away the difference between my contributions and the max, and then replenish my cash on hand before putting th", "sort": "hot", "upvote_ratio": 0.76, "author": "Flashy-Stock5815"}

selftext:
Hello all,

Recently recieved paper Series EE bonds worth about 50k that my parents were holding onto for me from a relative. Trying to figure out how to handle the windfall and minimize my tax obligations:

Currently put 15% of my income towards a 401k which with my employer match is about 18K a year. Considering upping my % for the 6 weeks these bonds will take to process so I can put away the difference between my contributions and the max, and then replenish my cash on hand before putting th


topic_name: If I’m young is it really that easy?
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r0et3h/if_im_young_is_it_really_that_easy/
collected_at: 2026-02-12T00:04:45.418151+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r0et3h", "score": 740, "num_comments": 499, "created_utc": 1770667331.0, "selftext": "I just turned 24 and just passed the one year mark at my first job making 26.50/hr with an expected raise/promotion coming in later this month. I\u2019ve been fortunate enough to stay at home after graduating, and have spent the last year aggressively paying off my debt (I\u2019m now debt free) and investing as much as I can in my tax advantaged accounts. I now have \\~37,000 in my retirement accounts\n\nThe other day I was doing some calculations looking towards retirement. I was shocked to see that if I go", "sort": "top", "upvote_ratio": 0.84, "author": "What_up_bro"}

selftext:
I just turned 24 and just passed the one year mark at my first job making 26.50/hr with an expected raise/promotion coming in later this month. I’ve been fortunate enough to stay at home after graduating, and have spent the last year aggressively paying off my debt (I’m now debt free) and investing as much as I can in my tax advantaged accounts. I now have \~37,000 in my retirement accounts

The other day I was doing some calculations looking towards retirement. I was shocked to see that if I go


topic_name: please convince me out of (or into) buying a 2021 miata without test driving it
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1pcxm/please_convince_me_out_of_or_into_buying_a_2021/
collected_at: 2026-02-12T00:04:50.635674+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1pcxm", "score": 1, "num_comments": 5, "created_utc": 1770789501.0, "selftext": "an understandably insane idea that i wouldn\u2019t ever think of doing normally but im looking at a 2021 100th anniversary RF and its insanely tempting right now since im really loving the spec. only problem is that i wouldnt be able to pick it up from the dealership and they\u2019d need to ship it to me. \n\nive driven a couple of ND1\u2019s and really liked it, but id really prefer nd2. \n\nits got around 44k mi (72k km) and going for about 22k USD (30k CAD). it honestly wont affect me financially too bad its ju", "sort": "hot", "upvote_ratio": 0.67, "author": "Rikky955"}

selftext:
an understandably insane idea that i wouldn’t ever think of doing normally but im looking at a 2021 100th anniversary RF and its insanely tempting right now since im really loving the spec. only problem is that i wouldnt be able to pick it up from the dealership and they’d need to ship it to me. 

ive driven a couple of ND1’s and really liked it, but id really prefer nd2. 

its got around 44k mi (72k km) and going for about 22k USD (30k CAD). it honestly wont affect me financially too bad its ju


topic_name: What am I doing wrong?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qgepli/what_am_i_doing_wrong/
collected_at: 2026-02-12T00:04:53.860252+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qgepli", "score": 43, "num_comments": 29, "created_utc": 1768757539.0, "selftext": "I\u2019m 48 years old. I\u2019ve been doing used car sales/service since the mid 90\u2019s, working for my father\u2019s business. ..He recently sold the main service business, retired and I took over the sales side of the business (same name but under my own LLC). I\u2019ve been at it for 2 years, on my own. I have a nice sized lot in a busy suburb of Cincinnati, 2 doors down from where our original store was located. \n\nI keep about 25-35 cars in inventory. I have roughly $10K in monthly expenses, a couple employees, a", "sort": "top", "upvote_ratio": 0.88, "author": "rybab007"}

selftext:
I’m 48 years old. I’ve been doing used car sales/service since the mid 90’s, working for my father’s business. ..He recently sold the main service business, retired and I took over the sales side of the business (same name but under my own LLC). I’ve been at it for 2 years, on my own. I have a nice sized lot in a busy suburb of Cincinnati, 2 doors down from where our original store was located. 

I keep about 25-35 cars in inventory. I have roughly $10K in monthly expenses, a couple employees, a


topic_name: My monthly bills only went up $120, but it broke my budget
source: reddit
region: global
collected_at: 2026-02-12T00:04:59.457436+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1r176p1/my_monthly_bills_only_went_up_120_but_it_broke_my/

metadata:
{"subreddit": "povertyfinance", "post_id": "1r176p1", "score": 262, "num_comments": 35, "created_utc": 1770744693.0, "selftext": "I keep seeing people say \"that's not a big increase\" or \"you can absorb that,\" and maybe on paper they're right. But in real life, that extra $120 has completely messed up how my month works.\n\nSo my rent didn't jump. I'm not spending more on fun stuff. A few things just crept up at the same time. Utilities went up. Internet increased after a promo ended. Groceries cost more even though I'm buying the same things. Insurance went up a little. When I added it all up, it was about $120 more than las", "sort": "hot", "upvote_ratio": 0.92, "author": "CommercialDot708"}

selftext:
I keep seeing people say "that's not a big increase" or "you can absorb that," and maybe on paper they're right. But in real life, that extra $120 has completely messed up how my month works.

So my rent didn't jump. I'm not spending more on fun stuff. A few things just crept up at the same time. Utilities went up. Internet increased after a promo ended. Groceries cost more even though I'm buying the same things. Insurance went up a little. When I added it all up, it was about $120 more than las


topic_name: "Emergency fund" advice assumes you have surplus money after expenses
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489193+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qle72z/emergency_fund_advice_assumes_you_have_surplus/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qle72z", "score": 2009, "num_comments": 413, "created_utc": 1769231714.0, "selftext": "Every financial advice article says build an emergency fund. Save three to six months of expenses. Put away money every paycheck.\n\nWhere? Where does the savings come from?\n\nRent plus food plus utilities equals 100% of my income. Sometimes more. There is no surplus. There is no extra money to put away.\n\nCan't save from money that doesn't exist.\n\nFinancial advice is written by people who've never experienced actual poverty. They assume everyone has leftover money after covering basics. That's not ", "sort": "top", "upvote_ratio": 0.91, "author": "DriftFalcon_29"}

selftext:
Every financial advice article says build an emergency fund. Save three to six months of expenses. Put away money every paycheck.

Where? Where does the savings come from?

Rent plus food plus utilities equals 100% of my income. Sometimes more. There is no surplus. There is no extra money to put away.

Can't save from money that doesn't exist.

Financial advice is written by people who've never experienced actual poverty. They assume everyone has leftover money after covering basics. That's not 


topic_name: [US] Scam consulting job opportunities?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r2a0re/us_scam_consulting_job_opportunities/
collected_at: 2026-02-12T00:05:08.886648+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r2a0re", "score": 0, "num_comments": 6, "created_utc": 1770844859.0, "selftext": "Hello,\n\nI've been looking into getting started in geopolitical risk consulting and I've gotten a couple of emails from companies the validity of which I can't ascertain. Has anyone heard of these companies and are they legit? Their websites look legitimate but I can't find any other information about directors or actual personnel in them.\n\nwww dot cuberootconsultancy dot com\n\nwww dot predictrixs dot com\n\nHere's one of the emails I received:\n\nDear \\[redacted\\],\n\nI am writing to you in my capacity", "sort": "hot", "upvote_ratio": 0.33, "author": "I_Am_Shitlordicus"}

selftext:
Hello,

I've been looking into getting started in geopolitical risk consulting and I've gotten a couple of emails from companies the validity of which I can't ascertain. Has anyone heard of these companies and are they legit? Their websites look legitimate but I can't find any other information about directors or actual personnel in them.

www dot cuberootconsultancy dot com

www dot predictrixs dot com

Here's one of the emails I received:

Dear \[redacted\],

I am writing to you in my capacity


topic_name: [EU] My grandparents got scammed out of everything
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qx6pkx/eu_my_grandparents_got_scammed_out_of_everything/
collected_at: 2026-02-12T00:05:12.358843+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qx6pkx", "score": 301, "num_comments": 136, "created_utc": 1770348673.0, "selftext": "I just learned that two months ago, my grandmother got scammed out of her entire life's savings, and somehow they got her. They havent given me all the details yet but the word \"crypto\" got used, and I do mean \\*everything\\*.  \nShe is now bone dry and living off our loans.  \nThe worse part? She got a loan from my mother (also just retired) whom she is the primary caretaker of another 100k from what seems to have been a recovery scam. They have already done everything, only after these devastatin", "sort": "top", "upvote_ratio": 0.94, "author": "Extension_Main9052"}

selftext:
I just learned that two months ago, my grandmother got scammed out of her entire life's savings, and somehow they got her. They havent given me all the details yet but the word "crypto" got used, and I do mean \*everything\*.  
She is now bone dry and living off our loans.  
The worse part? She got a loan from my mother (also just retired) whom she is the primary caretaker of another 100k from what seems to have been a recovery scam. They have already done everything, only after these devastatin


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889525+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Microsoft silently kills Windows and Office phone activation and forces online activation with a Microsoft account — Windows users are now herded into an online-only portal for activation

url:
https://reddit.com/r/assholedesign/comments/1qabkyy/microsoft_silently_kills_windows_and_office_phone/

metadata:
{"subreddit": "assholedesign", "post_id": "1qabkyy", "score": 1504, "num_comments": 168, "created_utc": 1768166778.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.96, "author": "Msoftred394"}


topic_name: Anyone remember the no glasses hun? How is she doing?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r0924l/anyone_remember_the_no_glasses_hun_how_is_she/
collected_at: 2026-02-12T00:05:26.020448+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1r0924l", "score": 13, "num_comments": 6, "created_utc": 1770655112.0, "selftext": "I removed social media from my phone almost a year ago and was thinking, is the hun that sold DoTerra for eyesight still active? ", "sort": "hot", "upvote_ratio": 1.0, "author": "Glam_SpaceTime"}

selftext:
I removed social media from my phone almost a year ago and was thinking, is the hun that sold DoTerra for eyesight still active? 


source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r27zlj/im_an_experienced_agent_with_health_life_license/
collected_at: 2026-02-12T00:05:44.256613+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
topic_name:
I’m an experienced agent with Health &amp; Life license. 🥸 Was laid off due to RIWF and am thinking about being an agent during this year’s AEP. I’m a former licensed trainer as well and have trained multiple national programs. If you do this kind of work, who do you work for and why is it great? TY!

metadata:
{"subreddit": "Insurance", "post_id": "1r27zlj", "score": 1, "num_comments": 0, "created_utc": 1770840277.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "Moody_Flower"}


topic_name: Dad crashed my car and had no insurance… now I’m getting sued
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qjkb9v/dad_crashed_my_car_and_had_no_insurance_now_im/
collected_at: 2026-02-12T00:05:47.658327+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qjkb9v", "score": 35, "num_comments": 104, "created_utc": 1769054714.0, "selftext": "Turning to Reddit to hopefully help my anxiety (I\u2019ll press my luck on it).\n\nSo essentially my dad is undocumented and like 10 years ago he asked me to help him register a car under my name and he would use it. I agreed under the condition that he had insurance on it. My dad *was* my best friend so I thought I was helping out. I was young and naive. From what I know, he always had insurance on it. Now I didn\u2019t check everyday if he had insurance on it bc that\u2019s a little unrealistic. Anyways, he wa", "sort": "top", "upvote_ratio": 0.7, "author": "MundaneMission7455"}

selftext:
Turning to Reddit to hopefully help my anxiety (I’ll press my luck on it).

So essentially my dad is undocumented and like 10 years ago he asked me to help him register a car under my name and he would use it. I agreed under the condition that he had insurance on it. My dad *was* my best friend so I thought I was helping out. I was young and naive. From what I know, he always had insurance on it. Now I didn’t check everyday if he had insurance on it bc that’s a little unrealistic. Anyways, he wa


topic_name: Google pays $68M to settle claims its voice assistant spied on users | TechCrunch
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qod3cp/google_pays_68m_to_settle_claims_its_voice/
collected_at: 2026-02-12T00:05:53.366071+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qod3cp", "score": 33, "num_comments": 1, "created_utc": 1769518586.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.95, "author": "aeriefreyrie"}


topic_name: Looking for really cheap bath towels
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r1pve5/looking_for_really_cheap_bath_towels/
collected_at: 2026-02-12T00:06:01.656884+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r1pve5", "score": 0, "num_comments": 20, "created_utc": 1770791198.0, "selftext": "I have 4 bath towels to my name and I'm trying to find more but my income is limited. I don't want to buy anything expensive, even if it's really high quality. I'm looking for towels or sets of towels that are 2$ or less per towel. Walmart and Amazon have failed me so far. Am I being too picky about the price? Or am I not looking in the right places? I'm also a bit worried about used ones, because I'm OCD and it just feels icky.", "sort": "hot", "upvote_ratio": 0.33, "author": "emilin_rose"}

selftext:
I have 4 bath towels to my name and I'm trying to find more but my income is limited. I don't want to buy anything expensive, even if it's really high quality. I'm looking for towels or sets of towels that are 2$ or less per towel. Walmart and Amazon have failed me so far. Am I being too picky about the price? Or am I not looking in the right places? I'm also a bit worried about used ones, because I'm OCD and it just feels icky.


topic_name: An FYI for those cooking at home more…
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qgn67v/an_fyi_for_those_cooking_at_home_more/
collected_at: 2026-02-12T00:06:05.044490+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qgn67v", "score": 786, "num_comments": 111, "created_utc": 1768777345.0, "selftext": "Expect your grocery bill to go up! My family has cut back on eating out or getting takeout to basically zero, and I found myself concerned about how our regular trips to the grocery store have gotten more expensive since then. But I\u2019ve been diligently tracking expenses and indeed, we are spending significantly less on food. It\u2019s just a bit of a shock at first to see a higher total at checkout than you\u2019re used to!\n\nEdit: To those saying this is stupidly obvious - this post isn\u2019t directed at you b", "sort": "top", "upvote_ratio": 0.81, "author": "allencrossing"}

selftext:
Expect your grocery bill to go up! My family has cut back on eating out or getting takeout to basically zero, and I found myself concerned about how our regular trips to the grocery store have gotten more expensive since then. But I’ve been diligently tracking expenses and indeed, we are spending significantly less on food. It’s just a bit of a shock at first to see a higher total at checkout than you’re used to!

Edit: To those saying this is stupidly obvious - this post isn’t directed at you b


topic_name: New to Credit Cards. Need Advice!
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r279s4/new_to_credit_cards_need_advice/
collected_at: 2026-02-12T00:06:10.587838+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r279s4", "score": 2, "num_comments": 2, "created_utc": 1770838709.0, "selftext": "Hello!\n\nI currently have the AAdvatage card with American Airlines that I put the majority of my expenses on (flights, personal spending, etc).\n\nMy main airline is American HOWEVER I am in a new job and will be traveling internationally quite a bit and United has been a large pop up for many of my international flights.\n\nI do have a credit card with my personal bank\u2019s, nothing crazy at all and rarely use those.\n\nWhat combinations or cards do you suggest? It does not have to be travel directed bu", "sort": "hot", "upvote_ratio": 1.0, "author": "InYourPantry"}

selftext:
Hello!

I currently have the AAdvatage card with American Airlines that I put the majority of my expenses on (flights, personal spending, etc).

My main airline is American HOWEVER I am in a new job and will be traveling internationally quite a bit and United has been a large pop up for many of my international flights.

I do have a credit card with my personal bank’s, nothing crazy at all and rarely use those.

What combinations or cards do you suggest? It does not have to be travel directed bu


topic_name: Chase Changing Rules Around Signup Bonus Eligibility For Sapphire Reserve &amp; Sapphire Preferred
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qekttk/chase_changing_rules_around_signup_bonus/
collected_at: 2026-02-12T00:06:13.782046+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qekttk", "score": 168, "num_comments": 107, "created_utc": 1768581333.0, "selftext": "Chase Sapphire Reserve\u00ae and Chase Sapphire Preferred\u00ae: Card Eligibility Simplified\n\nBeginning January 25, we are clarifying our disclosures to make Sapphire new cardmember bonus eligibility rules easier to understand. Clients can earn a bonus on each card, one time per card, regardless of whether they currently have an active card.\n\nFor example: If a client has a Preferred card, they can apply for Reserve and receive the new account bonus.\n\nSome exclusions will still apply in branch, such as if ", "sort": "top", "upvote_ratio": 0.98, "author": "vantage7"}

selftext:
Chase Sapphire Reserve® and Chase Sapphire Preferred®: Card Eligibility Simplified

Beginning January 25, we are clarifying our disclosures to make Sapphire new cardmember bonus eligibility rules easier to understand. Clients can earn a bonus on each card, one time per card, regardless of whether they currently have an active card.

For example: If a client has a Preferred card, they can apply for Reserve and receive the new account bonus.

Some exclusions will still apply in branch, such as if 


topic_name: How to remove yourself from property you own with compensation???
source: reddit
region: global
collected_at: 2026-02-12T00:06:18.920815+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1r2ctlg/how_to_remove_yourself_from_property_you_own_with/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2ctlg", "score": 2, "num_comments": 0, "created_utc": 1770851339.0, "selftext": "Location: Montana, USA\n\nPosting this as a similar situation, just changing people\n\nYears ago my Uncle along with his cousins came together and bought a couple duplexes.\n\nIn the beginning my Uncle was involved with helping out with renovation, fixing stuff, etc.\n\nAs time went on and the relationships soured, he became distant with them and now just owns the property, not having any idea of what is happening to the duplexes other than he knows he has part ownership and driving over there to look a", "sort": "hot", "upvote_ratio": 1.0, "author": "Early-Lunch6691"}

selftext:
Location: Montana, USA

Posting this as a similar situation, just changing people

Years ago my Uncle along with his cousins came together and bought a couple duplexes.

In the beginning my Uncle was involved with helping out with renovation, fixing stuff, etc.

As time went on and the relationships soured, he became distant with them and now just owns the property, not having any idea of what is happening to the duplexes other than he knows he has part ownership and driving over there to look a


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qlc63j/american_home_shield_replacing_my_professional/
collected_at: 2026-02-12T00:06:22.356478+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
American home shield replacing my professional line Viking double oven with a run of the mill kitchen aid.

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qlc63j", "score": 1715, "num_comments": 62, "created_utc": 1769225750.0, "selftext": "Location: Oregon. \n\nTo replace my oven with the same brand and type, it would cost $8500. They are offering me $3500 or a kitchen aid at Lowe\u2019s for $2799. We purchased the higher tier of coverage knowing our appliances are commercial grade. \n\nThey continue to argue that they are offering what their policy states: same features. I am arguing that the features can\u2019t possible be the same, when comparing 2 different categories of appliances. \n\nI have called 4 times, always am sent to a rep in a fore", "sort": "top", "upvote_ratio": 0.95, "author": "pancakeface2022"}

selftext:
Location: Oregon. 

To replace my oven with the same brand and type, it would cost $8500. They are offering me $3500 or a kitchen aid at Lowe’s for $2799. We purchased the higher tier of coverage knowing our appliances are commercial grade. 

They continue to argue that they are offering what their policy states: same features. I am arguing that the features can’t possible be the same, when comparing 2 different categories of appliances. 

I have called 4 times, always am sent to a rep in a fore


source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qxojyg/lpt_request_any_tips_for_when_you_are_with_a/
collected_at: 2026-02-12T00:06:28.285987+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
topic_name:
LPT Request: Any tips for when you are with a group of people and know you are the least smart/educated/important person? How to feel less insecure in that situation?

metadata:
{"subreddit": "LifeProTips", "post_id": "1qxojyg", "score": 2801, "num_comments": 674, "created_utc": 1770400155.0, "selftext": "At work I had a meeting with colleagues that were all much more important and knowledgeable than me. Of course I tried looking at the positive side of it as a chance to learn and be better at my job. But it felt so thick in the air that I was the least meaningful person there, what to do in a situation like that?", "sort": "hot", "upvote_ratio": 0.95, "author": "Whataboutmyfuture"}

selftext:
At work I had a meeting with colleagues that were all much more important and knowledgeable than me. Of course I tried looking at the positive side of it as a chance to learn and be better at my job. But it felt so thick in the air that I was the least meaningful person there, what to do in a situation like that?


topic_name: LPT: Two Kittens are Easier Than One
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qfjegv/lpt_two_kittens_are_easier_than_one/
collected_at: 2026-02-12T00:06:31.302088+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qfjegv", "score": 4456, "num_comments": 177, "created_utc": 1768671301.0, "selftext": "Getting two kittens (particularly bonded pairs/littermates) means they will be able to fulfill one another\u2019s play and social needs at all times of the day, and they\u2019ll just see you as their parent - this means you won\u2019t have as hard of a time stopping them from chasing your ankles or tearing up your furniture.", "sort": "top", "upvote_ratio": 0.97, "author": "honkyslonky"}

selftext:
Getting two kittens (particularly bonded pairs/littermates) means they will be able to fulfill one another’s play and social needs at all times of the day, and they’ll just see you as their parent - this means you won’t have as hard of a time stopping them from chasing your ankles or tearing up your furniture.


topic_name: LPT: Reminder that outlet stores often sell lower quality versions of their products
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789622+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r0lz14/lpt_reminder_that_outlet_stores_often_sell_lower/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r0lz14", "score": 2272, "num_comments": 106, "created_utc": 1770683886.0, "selftext": "This was a great expose a few years ago\n\n&gt;The quality of products at outlets varies widely. Remember, this stuff was largely made just to be sold cheaply. So they're going to cut corners,\" says Ellwood.\n\n* \"In some cases, we do utilize different fabrics or adjust design details to maintain a more reasonable price point,\" J. Crew said in a statement. \"We always make sure to preserve the quality and design integrity that you would expect from J.Crew.\"\n* Banana Republic outlet stores don't sell ", "sort": "hot", "upvote_ratio": 0.98, "author": "Moistyoureyez"}

selftext:
This was a great expose a few years ago

&gt;The quality of products at outlets varies widely. Remember, this stuff was largely made just to be sold cheaply. So they're going to cut corners," says Ellwood.

* "In some cases, we do utilize different fabrics or adjust design details to maintain a more reasonable price point," J. Crew said in a statement. "We always make sure to preserve the quality and design integrity that you would expect from J.Crew."
* Banana Republic outlet stores don't sell 


topic_name: I inherited a full Revere Ware set.
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qwxmgh/i_inherited_a_full_revere_ware_set/
collected_at: 2026-02-12T00:06:40.492204+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qwxmgh", "score": 1663, "num_comments": 111, "created_utc": 1770325533.0, "selftext": "I told my mom I was looking for copper bottom pots like we had as kids. She pulled this full set out of storage and gave them to me paperwork and all. ", "sort": "top", "upvote_ratio": 0.99, "author": "scalyskater"}

selftext:
I told my mom I was looking for copper bottom pots like we had as kids. She pulled this full set out of storage and gave them to me paperwork and all. 


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397186+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
How do physicists manipulate electrons to make them flow like water, and what are the potential applications?


topic_name: What’s with the tone?? 😒 #couple #couplecomedy #shorts
source: youtube
region: US
url: https://youtube.com/watch?v=sD0qYI-rdQ0
collected_at: 2026-02-12T00:04:30.534645
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "sD0qYI-rdQ0", "channel": "Andy and Michelle", "category": "Entertainment", "category_id": 24, "views": "9297690", "view_count": 9297690, "likes": "578474", "published_at": "2026-02-09T20:06:02Z"}


topic_name: How to invest an inheritance for maximum ROI
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r28ghu/how_to_invest_an_inheritance_for_maximum_roi/
collected_at: 2026-02-12T00:04:41.814844+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r28ghu", "score": 2, "num_comments": 3, "created_utc": 1770841338.0, "selftext": "I've just received an inheritance of $100k and want to start growing that money. What are some of the best methods to passively grow this money the most? My time horizon is long term and I have a high risk/aggressive tolerance. Looking to explore different strategies for highest rate of return (DCA, etc.).", "sort": "hot", "upvote_ratio": 1.0, "author": "cd10004"}

selftext:
I've just received an inheritance of $100k and want to start growing that money. What are some of the best methods to passively grow this money the most? My time horizon is long term and I have a high risk/aggressive tolerance. Looking to explore different strategies for highest rate of return (DCA, etc.).


topic_name: I feel like I'm way behind on retirement, is it as bad as I think?
source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418155+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1qw8ksd/i_feel_like_im_way_behind_on_retirement_is_it_as/

metadata:
{"subreddit": "personalfinance", "post_id": "1qw8ksd", "score": 668, "num_comments": 304, "created_utc": 1770257681.0, "selftext": "41 years old\n\nSingle income household. Married (wife is 36), 3 children under 12.\n\nSalary is $130k per year, I invest 10% into my Roth 401k (plus 4% company match into a traditional) and max out my HSA. I know that I should be trying to max out the 401k, but it's hard finding the room to do it.\n\nCurrent 401k balance is \\~$165k, HSA is roughly $9k. Emergency fund of $37,000. Unfortunately, my HSA balance has suffered due to some surgeries one of my sons needed. Luckily, I think it's behind us.\n\nT", "sort": "top", "upvote_ratio": 0.83, "author": "Mother____Clucker"}

selftext:
41 years old

Single income household. Married (wife is 36), 3 children under 12.

Salary is $130k per year, I invest 10% into my Roth 401k (plus 4% company match into a traditional) and max out my HSA. I know that I should be trying to max out the 401k, but it's hard finding the room to do it.

Current 401k balance is \~$165k, HSA is roughly $9k. Emergency fund of $37,000. Unfortunately, my HSA balance has suffered due to some surgeries one of my sons needed. Luckily, I think it's behind us.

T


topic_name: Looking to buy a Chevy Colorado
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1oewz/looking_to_buy_a_chevy_colorado/
collected_at: 2026-02-12T00:04:50.635678+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1oewz", "score": 1, "num_comments": 2, "created_utc": 1770786512.0, "selftext": "I\u2019m looking to buy a Chevy Colorado, in the range of 20,000-40,000 miles and roughly a 2023-24 but would go a bit older if needed. I have $8000 to put down and most comparable vehicles are around $35,000. Sadly having to buy a new to me vehicle as the head gasket finally went on my SUV with 250,000 miles. I graduate college this spring and already have a job offer signed and accepted at $84,000 per year. I have a co-signer for the loan with excellent credit. I don\u2019t have a ton of credit history ", "sort": "hot", "upvote_ratio": 1.0, "author": "Asternpolecat"}

selftext:
I’m looking to buy a Chevy Colorado, in the range of 20,000-40,000 miles and roughly a 2023-24 but would go a bit older if needed. I have $8000 to put down and most comparable vehicles are around $35,000. Sadly having to buy a new to me vehicle as the head gasket finally went on my SUV with 250,000 miles. I graduate college this spring and already have a job offer signed and accepted at $84,000 per year. I have a co-signer for the loan with excellent credit. I don’t have a ton of credit history 


topic_name: What personal loan rate am I looking for?
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r2dntb/what_personal_loan_rate_am_i_looking_for/
collected_at: 2026-02-12T00:04:59.457439+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r2dntb", "score": 1, "num_comments": 0, "created_utc": 1770853433.0, "selftext": "I\u2019m trying to check what I\u2019m seeing before making any final decision. I\u2019ve been looking at personal loans for debt consolidation and lowering to one simple payment per month. I\u2019ve got a stable income, credit score in the high 600s / low 700s depending on where I check and no missed payments recently.\n\nWhat\u2019s confusing is how wide the APR ranges are. I\u2019m seeing offers anywhere from high single digits all the way into the mid-20s. So far, i\u2019ve spoken to around 4 different lenders, and Achieve is s", "sort": "hot", "upvote_ratio": 0.67, "author": "greenVLADed"}

selftext:
I’m trying to check what I’m seeing before making any final decision. I’ve been looking at personal loans for debt consolidation and lowering to one simple payment per month. I’ve got a stable income, credit score in the high 600s / low 700s depending on where I check and no missed payments recently.

What’s confusing is how wide the APR ranges are. I’m seeing offers anywhere from high single digits all the way into the mid-20s. So far, i’ve spoken to around 4 different lenders, and Achieve is s


topic_name: I made it a game with my kids to only spend $53 at the grocery store
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489196+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qwv7v0/i_made_it_a_game_with_my_kids_to_only_spend_53_at/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qwv7v0", "score": 1805, "num_comments": 77, "created_utc": 1770320277.0, "selftext": "I didn\u2019t tell them that\u2019s all I had to spend. Just said hey do you think we can do it. My older son was totally enjoying it and my youngest is too little to care. \n\nI don\u2019t quality for any assistance, last time I applied I made $80 too much. I shop sales, bent and dent stores, etc. But daycare is expensive and Food and things are more jumping all the time. I budget every single $1 to make sure we can have what we need. My budget for household items and groceries is \\~275-325 a month for myself a", "sort": "top", "upvote_ratio": 0.99, "author": "Woooahnellie"}

selftext:
I didn’t tell them that’s all I had to spend. Just said hey do you think we can do it. My older son was totally enjoying it and my youngest is too little to care. 

I don’t quality for any assistance, last time I applied I made $80 too much. I shop sales, bent and dent stores, etc. But daycare is expensive and Food and things are more jumping all the time. I budget every single $1 to make sure we can have what we need. My budget for household items and groceries is \~275-325 a month for myself a


topic_name: [us] scammed by a Reddit user of 13 years ago, tons of karma. Lesson learned.
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r19wss/us_scammed_by_a_reddit_user_of_13_years_ago_tons/
collected_at: 2026-02-12T00:05:08.886652+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r19wss", "score": 115, "num_comments": 35, "created_utc": 1770750473.0, "selftext": "\\[US\\] scammed by u\u2026\u2026on manga swap, lesson learned\n\nI think I edited out the users names scratched out personal info of the user who scammed me, sorry \ud83d\ude13\n\nOn manga swap trying to complete a set for my kid. My Hero Academia volumes 37-42.\n\nI did one transaction, smooth. I received it. User hasn\u2019t left feedback.\n\nSo I made a post looking to complete the set for my kid.\n\nI get a message from u\u2026.., seems legit. 15k karma. \n\nSays he has it, send a pic but not tagged. Says no PayPal. Says to send payme", "sort": "hot", "upvote_ratio": 0.83, "author": "SeaworthinessHeavy55"}

selftext:
\[US\] scammed by u……on manga swap, lesson learned

I think I edited out the users names scratched out personal info of the user who scammed me, sorry 😓

On manga swap trying to complete a set for my kid. My Hero Academia volumes 37-42.

I did one transaction, smooth. I received it. User hasn’t left feedback.

So I made a post looking to complete the set for my kid.

I get a message from u….., seems legit. 15k karma. 

Says he has it, send a pic but not tagged. Says no PayPal. Says to send payme


source: reddit
region: global
url: https://reddit.com/r/assholedesign/comments/1qaf6nt/duplicheckers_new_search_is_paywalled_ai/
collected_at: 2026-02-12T00:05:17.889528+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
Duplichecker's new search is paywalled AI garbage-old search interface replaced with a JPEG to bait you.

metadata:
{"subreddit": "assholedesign", "post_id": "1qaf6nt", "score": 276, "num_comments": 7, "created_utc": 1768175484.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.95, "author": "[deleted]"}


topic_name: Are amway Nutrilite products actually useful and safe?
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1r16xbk/are_amway_nutrilite_products_actually_useful_and/
collected_at: 2026-02-12T00:05:26.020451+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1r16xbk", "score": 0, "num_comments": 8, "created_utc": 1770744129.0, "selftext": "Products like amlaki,vibhitaki and haritaki and multivitamin, vitamin B complex,fiber, cal mag D plus K2 ,omega 3 salmon,milk thistle. \n\nMy mom has joined a weight loss group and is now using them.", "sort": "hot", "upvote_ratio": 0.24, "author": "Brilliant-Spirit-172"}

selftext:
Products like amlaki,vibhitaki and haritaki and multivitamin, vitamin B complex,fiber, cal mag D plus K2 ,omega 3 salmon,milk thistle. 

My mom has joined a weight loss group and is now using them.


topic_name: Got in an accident and
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r27yk7/got_in_an_accident_and/
collected_at: 2026-02-12T00:05:44.256617+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r27yk7", "score": 0, "num_comments": 6, "created_utc": 1770840214.0, "selftext": "The other person was at fault. \n\nWe both have the same insurance. \n\nMy car is pretty much totaled. Appraiser will be coming out to look at my car.\n\nIn the meantime the insurance company will be giving me rental through the other persons policy \n\nI only had liability since my car was fairly old. \n\nThe thing is that I called insurance and they said that my insurance would not keep me covered in the rental car. Because of this I would have to pay the Hertz company the cost of collision insurance ou", "sort": "hot", "upvote_ratio": 0.33, "author": "Quick_Transition_510"}

selftext:
The other person was at fault. 

We both have the same insurance. 

My car is pretty much totaled. Appraiser will be coming out to look at my car.

In the meantime the insurance company will be giving me rental through the other persons policy 

I only had liability since my car was fairly old. 

The thing is that I called insurance and they said that my insurance would not keep me covered in the rental car. Because of this I would have to pay the Hertz company the cost of collision insurance ou


topic_name: Double Car Insurance Claim
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qfslws/double_car_insurance_claim/
collected_at: 2026-02-12T00:05:47.658330+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qfslws", "score": 34, "num_comments": 43, "created_utc": 1768693287.0, "selftext": "I got it my first car accident today and it wad a doozy. 2013 Ford Fusion. It was a pretty low speed accident with a telephone pole due to icy conditions. Hit it head on and damaged the engine so it was not able to be moved.\n\nA cop responding to my call pulls up 20 minutes later, hits the same patch if ice that I did, and slams into me. Now I have 2 separate incidents to claim. I think the initial accident with the pole did substantially more damage, but I can't figure out how this may work out ", "sort": "top", "upvote_ratio": 0.97, "author": "diamonhandss"}

selftext:
I got it my first car accident today and it wad a doozy. 2013 Ford Fusion. It was a pretty low speed accident with a telephone pole due to icy conditions. Hit it head on and damaged the engine so it was not able to be moved.

A cop responding to my call pulls up 20 minutes later, hits the same patch if ice that I did, and slams into me. Now I have 2 separate incidents to claim. I think the initial accident with the pole did substantially more damage, but I can't figure out how this may work out 


topic_name: Tiktok has a fake, bigger uninstall button
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qn30rp/tiktok_has_a_fake_bigger_uninstall_button/
collected_at: 2026-02-12T00:05:53.366075+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qn30rp", "score": 254, "num_comments": 24, "created_utc": 1769393480.0, "selftext": "Jeez. Installed tiktok to watch a video somebody sent me (cuz ofcource you can't open a TikTok link in a browser).\nAfter watching that video,  I long pressed on TikTok icon to uninstall it, I realized that TikTok has a fake uninstall shortcut that takes you to a \"help\" page where biggest button keeps the app. I don't know if that do it in other places but over here here most people can't understand English text so they will be clicking on the biggest buttons that will do nothing", "sort": "hot", "upvote_ratio": 0.99, "author": "BuhahaTechi"}

selftext:
Jeez. Installed tiktok to watch a video somebody sent me (cuz ofcource you can't open a TikTok link in a browser).
After watching that video,  I long pressed on TikTok icon to uninstall it, I realized that TikTok has a fake uninstall shortcut that takes you to a "help" page where biggest button keeps the app. I don't know if that do it in other places but over here here most people can't understand English text so they will be clicking on the biggest buttons that will do nothing


topic_name: Has anyone actually negotiated a mattress price?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r0gt91/has_anyone_actually_negotiated_a_mattress_price/
collected_at: 2026-02-12T00:06:01.656887+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r0gt91", "score": 65, "num_comments": 80, "created_utc": 1770671712.0, "selftext": "Been researching mattresses for way too long and I keep seeing advice about negotiating in store. \n\nDoes this actually still work or is it outdated? I'm nervous about trying it and looking dumb af. I honestly don't even know how to start that conversation withou being awkward.\n\nWhat tactics have actually worked for you? Has anyone successfully negotiated recently or is this just old advice that doesn't apply anymore?", "sort": "hot", "upvote_ratio": 0.86, "author": "Resident_Dress_687"}

selftext:
Been researching mattresses for way too long and I keep seeing advice about negotiating in store. 

Does this actually still work or is it outdated? I'm nervous about trying it and looking dumb af. I honestly don't even know how to start that conversation withou being awkward.

What tactics have actually worked for you? Has anyone successfully negotiated recently or is this just old advice that doesn't apply anymore?


topic_name: From student Discover IT to Park Hyatt New York
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2ctmt/from_student_discover_it_to_park_hyatt_new_york/
collected_at: 2026-02-12T00:06:10.587841+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2ctmt", "score": 0, "num_comments": 0, "created_utc": 1770851341.0, "selftext": "Hi all. Sharing my backstory because this hobby has honestly been such a fun outlet for me.\n\n\n\nI love planning travel. Sometimes I think I love planning it more than actually taking the trip lol. I also love feeling like I got a good deal. There is something deeply satisfying about turning everyday expenses into flights, hotels, and random little upgrades.\n\n\n\nI have always been a responsible credit card user. I got my first card in 2012 right after graduating college, the Discover It. I still ha", "sort": "hot", "upvote_ratio": 0.5, "author": "indiantumbleweed"}

selftext:
Hi all. Sharing my backstory because this hobby has honestly been such a fun outlet for me.



I love planning travel. Sometimes I think I love planning it more than actually taking the trip lol. I also love feeling like I got a good deal. There is something deeply satisfying about turning everyday expenses into flights, hotels, and random little upgrades.



I have always been a responsible credit card user. I got my first card in 2012 right after graduating college, the Discover It. I still ha


topic_name: Bilt 2.1 is a genius move!
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qeu42b/bilt_21_is_a_genius_move/
collected_at: 2026-02-12T00:06:13.782049+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qeu42b", "score": 168, "num_comments": 129, "created_utc": 1768602061.0, "selftext": "With the CEO Ankur releasing an entirely new earnings structure, he has gotten everyone debating whether options 1 or 2 is better. \n\nRather than debating if we should get Bilt 2.0 cards at all\u2026", "sort": "top", "upvote_ratio": 0.82, "author": "purple_golden_hour"}

selftext:
With the CEO Ankur releasing an entirely new earnings structure, he has gotten everyone debating whether options 1 or 2 is better. 

Rather than debating if we should get Bilt 2.0 cards at all…


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r1ju07/my_mil_attacked_me_twice_and_was_arrested_now/
collected_at: 2026-02-12T00:06:18.920818+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
My MIL attacked me twice and was arrested , now she’s suing me for costs associated with her arrest as well as other things

metadata:
{"subreddit": "LegalAdvice", "post_id": "1r1ju07", "score": 108, "num_comments": 10, "created_utc": 1770773644.0, "selftext": "Location: Texas\n\nA few years ago my husband, my kids and myself moved into my MIL\u2019s home because we were living paycheck to paycheck and drowning financially.\n\nThings did not go well obviously and 6 months in she shoved me hard twice, the second time she grabbed my arms from above my head ( I was bending down) and when she shoved me back she tore my shoulders rotor cuff. I left for my mom\u2019s to leave the situation for the weekend, dropped my kids off with her and went to the hospital.  The hospit", "sort": "hot", "upvote_ratio": 0.91, "author": "Material_Quarter_700"}

selftext:
Location: Texas

A few years ago my husband, my kids and myself moved into my MIL’s home because we were living paycheck to paycheck and drowning financially.

Things did not go well obviously and 6 months in she shoved me hard twice, the second time she grabbed my arms from above my head ( I was bending down) and when she shoved me back she tore my shoulders rotor cuff. I left for my mom’s to leave the situation for the weekend, dropped my kids off with her and went to the hospital.  The hospit


source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qqdoy5/former_coworker_filmed_me_was_fired_and_now_im/
collected_at: 2026-02-12T00:06:22.356482+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
topic_name:
Former coworker filmed me, was fired, and now I’m getting racist notes/messages. what can I actually do?

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qqdoy5", "score": 1630, "num_comments": 37, "created_utc": 1769704943.0, "selftext": "Hi, I\u2019m in Texas and honestly just trying to understand what options I have at this point because this seems to just be escalating and i feel like im not getting the help i need.\n\nI posted previously in another sub, but things have escalated and people suggested I come here? \n\nTo summarize...I work full-time from home and part-time at a school. A coworker at said partime job (who on reddit ive been calling Casey) secretly took videos of me outside of work to try to \u201cprove\u201d I was faking a disabil", "sort": "top", "upvote_ratio": 0.98, "author": "Ok_Boysenberry_7535"}

selftext:
Hi, I’m in Texas and honestly just trying to understand what options I have at this point because this seems to just be escalating and i feel like im not getting the help i need.

I posted previously in another sub, but things have escalated and people suggested I come here? 

To summarize...I work full-time from home and part-time at a school. A coworker at said partime job (who on reddit ive been calling Casey) secretly took videos of me outside of work to try to “prove” I was faking a disabil


topic_name: LPT Request: How to find real friends when you seem to overcare about people?
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qy4dt3/lpt_request_how_to_find_real_friends_when_you/
collected_at: 2026-02-12T00:06:28.285993+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qy4dt3", "score": 355, "num_comments": 26, "created_utc": 1770439155.0, "selftext": "I try to be as loyal and caring as I can.\n\nBut it seems like people who i do make friends with will drop me when something goes wrong, or they find I am no longer useful to them. Or just disappear altogether.", "sort": "hot", "upvote_ratio": 0.92, "author": "Southpawe"}

selftext:
I try to be as loyal and caring as I can.

But it seems like people who i do make friends with will drop me when something goes wrong, or they find I am no longer useful to them. Or just disappear altogether.


topic_name: Looking for the best carry-on luggage that’ll survive the chaos of travel!
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1fyna/looking_for_the_best_carryon_luggage_thatll/
collected_at: 2026-02-12T00:06:36.789626+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1fyna", "score": 39, "num_comments": 76, "created_utc": 1770763899.0, "selftext": "Alright, so I need some wisdom here. I\u2019m in search of the best carry-on luggage that can withstand the madness of constant travel. I feel like every suitcase I\u2019ve had just doesn\u2019t hold up, either the handle breaks, the wheels get stuck, or it barely fits in the overhead compartment. I need something tough but still easy to maneuver through busy airports.\n\nDoes anyone have a go-to carry-on they swear by? I\u2019m tired of cheap luggage that falls apart after a couple of trips. I\u2019m not afraid to spend ", "sort": "hot", "upvote_ratio": 0.85, "author": "CallixtusAdt67"}

selftext:
Alright, so I need some wisdom here. I’m in search of the best carry-on luggage that can withstand the madness of constant travel. I feel like every suitcase I’ve had just doesn’t hold up, either the handle breaks, the wheels get stuck, or it barely fits in the overhead compartment. I need something tough but still easy to maneuver through busy airports.

Does anyone have a go-to carry-on they swear by? I’m tired of cheap luggage that falls apart after a couple of trips. I’m not afraid to spend 


topic_name: Another 72 (t) question - Roth in an annuity
source: reddit
region: global
collected_at: 2026-02-12T00:06:46.999988+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qvp1g6/another_72_t_question_roth_in_an_annuity/

metadata:
{"subreddit": "financialindependence", "post_id": "1qvp1g6", "score": 6, "num_comments": 12, "created_utc": 1770212946.0, "selftext": "I have a fixed index annuity that is a Roth IRA account.  Surrender value is $79k.  Policy renewal is March 14 so I need to decide what to do soon.  Annual payment for life at present would be $5,772.  I'll be 59 in March but after the anniversary date.  I won't be 59.5 until September.\n\nFirst question, do I need to 59.5 at the time I take the first payment or just \"in the year\" that I take first payment like rule of 55?  If I do need to be 59.5 at the time should I just set it up as a 72(t)?  I", "sort": "hot", "upvote_ratio": 0.66, "author": "Master-Helicopter-99"}

selftext:
I have a fixed index annuity that is a Roth IRA account.  Surrender value is $79k.  Policy renewal is March 14 so I need to decide what to do soon.  Annual payment for life at present would be $5,772.  I'll be 59 in March but after the anniversary date.  I won't be 59.5 until September.

First question, do I need to 59.5 at the time I take the first payment or just "in the year" that I take first payment like rule of 55?  If I do need to be 59.5 at the time should I just set it up as a 72(t)?  I


topic_name: How the Nanny Gradually Won Over the Hearts of the Male and Female Leads#shorts
source: youtube
region: US
url: https://youtube.com/watch?v=HfksPe5J3gA
collected_at: 2026-02-12T00:04:30.534710
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "HfksPe5J3gA", "channel": "Silver frame", "category": "Entertainment", "category_id": 24, "views": "8917845", "view_count": 8917845, "likes": "624618", "published_at": "2026-02-07T09:53:05Z"}


topic_name: They Tricked The Internet With Michael Jordan 💀
source: youtube
region: CA
url: https://youtube.com/watch?v=hzQEF0eR3rE
collected_at: 2026-02-12T00:04:31.718007
autocomplete: []
category: Sports
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "hzQEF0eR3rE", "channel": "Mappelz", "category": "Sports", "category_id": 17, "views": "11667910", "view_count": 11667910, "likes": "882512", "published_at": "2026-01-30T21:00:51Z"}


topic_name: 30k in savings what do I do
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r200xb/30k_in_savings_what_do_i_do/
collected_at: 2026-02-12T00:04:41.814848+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r200xb", "score": 5, "num_comments": 13, "created_utc": 1770822918.0, "selftext": "Hello I\u2019m 23 years old I have a little over 30k liquid but it\u2019s just in a normal bank account with only around 3.80APY I believe but I want it to grow more what could I do? I don\u2019t really know anything about investing.", "sort": "hot", "upvote_ratio": 0.59, "author": "Diverdude32"}

selftext:
Hello I’m 23 years old I have a little over 30k liquid but it’s just in a normal bank account with only around 3.80APY I believe but I want it to grow more what could I do? I don’t really know anything about investing.


source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qmpc3n/employer_issued_stock_in_the_company_as_a/
collected_at: 2026-02-12T00:04:45.418159+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Employer issued stock in the company as a Christmas bonus, I was laid off a year later but I still have it

metadata:
{"subreddit": "personalfinance", "post_id": "1qmpc3n", "score": 661, "num_comments": 49, "created_utc": 1769362031.0, "selftext": "We received some stock in the company a year ago, it's basically nothing after they took out shares to cover taxes. It's vested and I was told we couldn't use it until February of this year. They laid me off, but I still have the stocks. I've been told that's uncommon? That they would have taken them since I'm no longer with the company. But I was laid off and not fired/quit.", "sort": "top", "upvote_ratio": 0.94, "author": "theonlyfeditrust"}

selftext:
We received some stock in the company a year ago, it's basically nothing after they took out shares to cover taxes. It's vested and I was told we couldn't use it until February of this year. They laid me off, but I still have the stocks. I've been told that's uncommon? That they would have taken them since I'm no longer with the company. But I was laid off and not fired/quit.


topic_name: Toy car with possible frame damage
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1a14f/toy_car_with_possible_frame_damage/
collected_at: 2026-02-12T00:04:50.635681+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1a14f", "score": 3, "num_comments": 13, "created_utc": 1770750730.0, "selftext": "Hi guys,\n\nBeen shopping for a 2nd car / canyon carver, anywhere from 5-10k (depending on condition). \n\n\nFound a 156k mi NB2 MX-5 w/ LSD (No LS package). Clean title 3 owner. Owner (since 2018) has paperwork going back to delivery date which is huge for me. One documented accident on it in 2012 (with repair paperwork present).\n\n\nTest drove and it drives/presents well. Engine runs smooth with smooth idle. Garaged with nice paint compared to other examples I\u2019ve seen and big folder of maintenance re", "sort": "hot", "upvote_ratio": 0.62, "author": "brownmon69"}

selftext:
Hi guys,

Been shopping for a 2nd car / canyon carver, anywhere from 5-10k (depending on condition). 


Found a 156k mi NB2 MX-5 w/ LSD (No LS package). Clean title 3 owner. Owner (since 2018) has paperwork going back to delivery date which is huge for me. One documented accident on it in 2012 (with repair paperwork present).


Test drove and it drives/presents well. Engine runs smooth with smooth idle. Garaged with nice paint compared to other examples I’ve seen and big folder of maintenance re


topic_name: Do I bring my new car back to sales, or?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qx9gud/do_i_bring_my_new_car_back_to_sales_or/
collected_at: 2026-02-12T00:04:53.860257+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qx9gud", "score": 43, "num_comments": 34, "created_utc": 1770357009.0, "selftext": "I just picked up a brand new car today.\n\nIt just delivered to the dealership this morning- they did the usual PDI and then I showed up to finalize the sale.\n\nThe dealership added tint in PDI.\n\nI don\u2019t notice until I was pulling onto my street- there are bubbles in the tint. I haven\u2019t checked the other windows, but it\u2019s at least on the driver window, I\u2019m gonna check the rest before I go back to the dealership because it\u2019s\u2026 I can\u2019t see clearly through the back 4 inches of the driver window (where ", "sort": "top", "upvote_ratio": 0.84, "author": "effervescenthippo"}

selftext:
I just picked up a brand new car today.

It just delivered to the dealership this morning- they did the usual PDI and then I showed up to finalize the sale.

The dealership added tint in PDI.

I don’t notice until I was pulling onto my street- there are bubbles in the tint. I haven’t checked the other windows, but it’s at least on the driver window, I’m gonna check the rest before I go back to the dealership because it’s… I can’t see clearly through the back 4 inches of the driver window (where 


topic_name: cant help but feel bitter my parents make over $200k and leave nothing for me.
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489200+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qvbufo/cant_help_but_feel_bitter_my_parents_make_over/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qvbufo", "score": 1738, "num_comments": 45, "created_utc": 1770171277.0, "selftext": "just the title. i feel so screwed out of so many things because of them. im homeless at the moment living in my car trying to get the keys for an apartment right now just so I'll have the privledge of paying a slumlord $600 of my $2100 monthly income I get working on my feet at a fast food job everyday.\n\nI work my ass off on my engineering homework just so I can have the chance to also have the privledge of paying a state school $21k/year for just tuition in a year in order to earn my degree so ", "sort": "top", "upvote_ratio": 0.84, "author": "RoughAirline2951"}

selftext:
just the title. i feel so screwed out of so many things because of them. im homeless at the moment living in my car trying to get the keys for an apartment right now just so I'll have the privledge of paying a slumlord $600 of my $2100 monthly income I get working on my feet at a fast food job everyday.

I work my ass off on my engineering homework just so I can have the chance to also have the privledge of paying a state school $21k/year for just tuition in a year in order to earn my degree so 


topic_name: [USA] Case Notice email from Acuity Scheduling
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r21vlk/usa_case_notice_email_from_acuity_scheduling/
collected_at: 2026-02-12T00:05:08.886656+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r21vlk", "score": 2, "num_comments": 6, "created_utc": 1770827099.0, "selftext": "https://preview.redd.it/7ljx438r5wig1.png?width=1143&amp;format=png&amp;auto=webp&amp;s=a8278b389628f64f00733ca91879659f2e8fb305\n\nDear Recipient,\n\nYou are hereby notified that you have been named as a party in an active federal court matter. Proceedings are conducted under the U.S. Constitution and applicable federal law.\n\nCase materials and related documents can be accessed via our secure portal. Use the button below to obtain your documentation.\n\nIt then has a case number attached that I censo", "sort": "hot", "upvote_ratio": 0.67, "author": "GrandpasSoggyGooch"}

selftext:
https://preview.redd.it/7ljx438r5wig1.png?width=1143&amp;format=png&amp;auto=webp&amp;s=a8278b389628f64f00733ca91879659f2e8fb305

Dear Recipient,

You are hereby notified that you have been named as a party in an active federal court matter. Proceedings are conducted under the U.S. Constitution and applicable federal law.

Case materials and related documents can be accessed via our secure portal. Use the button below to obtain your documentation.

It then has a case number attached that I censo


topic_name: [US] Mom (63) scammed of life savings
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qos7gi/us_mom_63_scammed_of_life_savings/
collected_at: 2026-02-12T00:05:12.358847+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qos7gi", "score": 294, "num_comments": 117, "created_utc": 1769551452.0, "selftext": "Tl;dr - just found out my mom has been scammed of most of her life\u2019s savings (650k). She has a history of doing this (in other forms) dating back to when I was young. She has not and will not see a doctor or hand over control of her finances. She\u2019s still working and seemingly of sound mind. But I worry she will find a way to give the rest of it away. I also don\u2019t know how she\u2019ll afford living and I don\u2019t know what to do.\n\nMy mom (age 63) has just been scammed out of most of her life\u2019s savings. F", "sort": "top", "upvote_ratio": 0.95, "author": "Due_Database916"}

selftext:
Tl;dr - just found out my mom has been scammed of most of her life’s savings (650k). She has a history of doing this (in other forms) dating back to when I was young. She has not and will not see a doctor or hand over control of her finances. She’s still working and seemingly of sound mind. But I worry she will find a way to give the rest of it away. I also don’t know how she’ll afford living and I don’t know what to do.

My mom (age 63) has just been scammed out of most of her life’s savings. F


source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889725+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
topic_name:
“AMC theater blocked working water fountains with a giant display to force people to concessions for drinks.

url:
https://reddit.com/r/assholedesign/comments/1q9s7su/amc_theater_blocked_working_water_fountains_with/

metadata:
{"subreddit": "assholedesign", "post_id": "1q9s7su", "score": 5882, "num_comments": 281, "created_utc": 1768113159.0, "selftext": "This really pissed me off. These water fountains weren\u2019t broken or under maintenance. I went behind the display and confirmed they were still fully working.\n\nOne of them is clearly the lower height fountain meant for accessibility, and the giant display completely blocks the entire alcove so you wouldn\u2019t even know fountains were there at all. This wasn\u2019t partially blocked or accidental. It was fully and deliberately covered.\n\nWhen I asked about water, staff said you can get a free water cup at c", "sort": "hot", "upvote_ratio": 0.96, "author": "juttep1"}

selftext:
This really pissed me off. These water fountains weren’t broken or under maintenance. I went behind the display and confirmed they were still fully working.

One of them is clearly the lower height fountain meant for accessibility, and the giant display completely blocks the entire alcove so you wouldn’t even know fountains were there at all. This wasn’t partially blocked or accidental. It was fully and deliberately covered.

When I asked about water, staff said you can get a free water cup at c


topic_name: MLM straight from the mailbox to the bin!
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qzyhcu/mlm_straight_from_the_mailbox_to_the_bin/
collected_at: 2026-02-12T00:05:26.020454+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qzyhcu", "score": 44, "num_comments": 2, "created_utc": 1770624278.0, "selftext": "These very glossy brochures were delivered to my area to is week. Never heard of it but knew straight away it was an MLM \ud83e\udd23", "sort": "hot", "upvote_ratio": 0.98, "author": "Chris_M_81"}

selftext:
These very glossy brochures were delivered to my area to is week. Never heard of it but knew straight away it was an MLM 🤣


topic_name: Insufferable MLM facebook friend
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qj7daa/insufferable_mlm_facebook_friend/
collected_at: 2026-02-12T00:05:30.135104+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qj7daa", "score": 331, "num_comments": 76, "created_utc": 1769023180.0, "selftext": "She posted this today, and yes i can unfriend her but somehow the rage fuels me. If you all have not seen KiKi Chanels videos on youtube about Anti-MLM i reccomend them! \n\nThese millionaires made their money on the backs and financial failures of other people in the company. Its not ok!", "sort": "top", "upvote_ratio": 0.99, "author": "titilovesgames"}

selftext:
She posted this today, and yes i can unfriend her but somehow the rage fuels me. If you all have not seen KiKi Chanels videos on youtube about Anti-MLM i reccomend them! 

These millionaires made their money on the backs and financial failures of other people in the company. Its not ok!


topic_name: What is the correct answer for this insurance question?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r27hc1/what_is_the_correct_answer_for_this_insurance/
collected_at: 2026-02-12T00:05:44.256621+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r27hc1", "score": 1, "num_comments": 5, "created_utc": 1770839173.0, "selftext": "In the UK\n\nI have started working for a company which supplies a van for business use during the working day. Im also about to insure my car and one of the questions the insurance asks is \u201cDo you have access to other vehicles?\u201d The only two possible answers that apply to me are \u201cOwn/have use of a van\u201d or \u201cAccess to a company car for business use\u201d\n\nWhat is the correct answer here? Because I have heard that \u201ccompany car\u201d can also mean a company van, however it seems more accurate to answer \u201cOwn/ha", "sort": "hot", "upvote_ratio": 1.0, "author": "TheMeltingDevil"}

selftext:
In the UK

I have started working for a company which supplies a van for business use during the working day. Im also about to insure my car and one of the questions the insurance asks is “Do you have access to other vehicles?” The only two possible answers that apply to me are “Own/have use of a van” or “Access to a company car for business use”

What is the correct answer here? Because I have heard that “company car” can also mean a company van, however it seems more accurate to answer “Own/ha


topic_name: Am I cooked?
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qtiz7q/am_i_cooked/
collected_at: 2026-02-12T00:05:47.658334+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qtiz7q", "score": 32, "num_comments": 65, "created_utc": 1770000339.0, "selftext": "Last September 2025 I hit a motorcycle. Nothing fatal. The guy was able to get in his feet instantly but he got in an ambulance due to 911 protocols. He was released the next morning and insurance tried contacting him but he went ghost for 2 weeks. Insurance closed the case. Recently a week ago I get a call from my Insurance as they reopened the case and the biker is coming after me, this time with an attorney. I\u2019m positively sure that his injuries are not severe at all, but my insurance says we", "sort": "top", "upvote_ratio": 0.85, "author": "Confident-Ad-1844"}

selftext:
Last September 2025 I hit a motorcycle. Nothing fatal. The guy was able to get in his feet instantly but he got in an ambulance due to 911 protocols. He was released the next morning and insurance tried contacting him but he went ghost for 2 weeks. Insurance closed the case. Recently a week ago I get a call from my Insurance as they reopened the case and the biker is coming after me, this time with an attorney. I’m positively sure that his injuries are not severe at all, but my insurance says we


topic_name: "Reward Apps" use retention scripts to predict exactly when you will quit. Here is the data.
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qmxs0z/reward_apps_use_retention_scripts_to_predict/
collected_at: 2026-02-12T00:05:53.366276+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qmxs0z", "score": 12, "num_comments": 10, "created_utc": 1769380391.0, "selftext": "***Forgive the vague \"tech\" language below. These platforms use aggressive bots to scrub any direct mention of their mechanics. If I speak plainly, this post disappears\u2014which proves exactly how hard they work to hide the truth. Read between the lines.***\n\nI\u2019ve been auditing the backend behavior of these \"Freemium\" apps. I noticed a distinct pattern: When user engagement drops or a \"Win Cap\" is hit, the system triggers a \"Session Interrupt\".\nBasically: The app knows you are about to win too much,", "sort": "hot", "upvote_ratio": 1.0, "author": "playerfairness"}

selftext:
***Forgive the vague "tech" language below. These platforms use aggressive bots to scrub any direct mention of their mechanics. If I speak plainly, this post disappears—which proves exactly how hard they work to hide the truth. Read between the lines.***

I’ve been auditing the backend behavior of these "Freemium" apps. I noticed a distinct pattern: When user engagement drops or a "Win Cap" is hit, the system triggers a "Session Interrupt".
Basically: The app knows you are about to win too much,


topic_name: Where do you buy your coffee grounds?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r04fpb/where_do_you_buy_your_coffee_grounds/
collected_at: 2026-02-12T00:06:01.656891+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r04fpb", "score": 64, "num_comments": 172, "created_utc": 1770644328.0, "selftext": "Two questions \n\nFirst, where do you find is the most frugal place to buy your coffee grounds?  Costco? Gordon food service? Local grocery store? \n\nSecond, Do you find it\u2019s cheaper to buy whole beans or ground coffee?  I am happy to do either.\n\nI went to Costco and found that the cheapest option there is Maxwell House pre-ground. It is $.695 per pound. That seems pretty good. Can anyone beat it?", "sort": "hot", "upvote_ratio": 0.74, "author": "lionbacker54"}

selftext:
Two questions 

First, where do you find is the most frugal place to buy your coffee grounds?  Costco? Gordon food service? Local grocery store? 

Second, Do you find it’s cheaper to buy whole beans or ground coffee?  I am happy to do either.

I went to Costco and found that the cheapest option there is Maxwell House pre-ground. It is $.695 per pound. That seems pretty good. Can anyone beat it?


topic_name: Grocery List and Dinner List that saved me money
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qjvu7c/grocery_list_and_dinner_list_that_saved_me_money/
collected_at: 2026-02-12T00:06:05.044494+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qjvu7c", "score": 608, "num_comments": 47, "created_utc": 1769091817.0, "selftext": "This was an idea that has helped simplify grocery shopping and meal cooking and saved money.  Creating a meal plan just never worked for me.  \n\nBy the time I got part way thru the week I either lost interest in the meals or things got too busy.  So what I did was make a master grocery list of items we used most often and all the possible meals I could make.  Our lunches are generally leftovers or a sandwich.  \n\nThis also helped get others in the house to cook as I keep a list of possible meals o", "sort": "top", "upvote_ratio": 0.98, "author": "Past_Oil_6592"}

selftext:
This was an idea that has helped simplify grocery shopping and meal cooking and saved money.  Creating a meal plan just never worked for me.  

By the time I got part way thru the week I either lost interest in the meals or things got too busy.  So what I did was make a master grocery list of items we used most often and all the possible meals I could make.  Our lunches are generally leftovers or a sandwich.  

This also helped get others in the house to cook as I keep a list of possible meals o


source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r26mbf/worth_getting_a_credit_card_specifically_for/
collected_at: 2026-02-12T00:06:10.587845+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
topic_name:
Worth getting a credit card. Specifically for travel. I fly to my boyfriend 2x a month from Cali to NY.  A lot of travel plans for this year as well across the country.

metadata:
{"subreddit": "CreditCards", "post_id": "1r26mbf", "score": 2, "num_comments": 2, "created_utc": 1770837263.0, "selftext": "Hello, I am debating getting a new credit cart. The reason my scores are so low are because of a closed account from 3 years ago, (it was under my dads account and we were not getting along and he closed it. -90 lost.) I currently have no missed payments on my cc or my car payment. Me and my boyfriend are doing long distance and it will be for about 3-5 years but I constantly get flights to see him once/twice a month. On top of that we go to festivals all over the country so I recently started f", "sort": "hot", "upvote_ratio": 1.0, "author": "Familiar_Wrap_362"}

selftext:
Hello, I am debating getting a new credit cart. The reason my scores are so low are because of a closed account from 3 years ago, (it was under my dads account and we were not getting along and he closed it. -90 lost.) I currently have no missed payments on my cc or my car payment. Me and my boyfriend are doing long distance and it will be for about 3-5 years but I constantly get flights to see him once/twice a month. On top of that we go to festivals all over the country so I recently started f


topic_name: BofA Preferred Rewards new tiers ( names ) from bogleheads.org/forum/
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qc9b80/bofa_preferred_rewards_new_tiers_names_from/
collected_at: 2026-02-12T00:06:13.782053+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qc9b80", "score": 168, "num_comments": 173, "created_utc": 1768352629.0, "selftext": "BofA Preferred Rewards new tiers ( names ) from bogleheads forum ::  \n\n\nOCR = \"**Important Information:** On or about May 26, 2026, our Bank of America Preferred Rewards program will become BofA Rewards\u2122. All customers with an open, qualifying personal checking account will be eligible for enrollment in BofA Rewards. BofA Rewards will feature the following tiers based on your three-month combined average daily balance in qualifying deposit and investment assets: Member tier, less than $30,000; P", "sort": "top", "upvote_ratio": 0.97, "author": "GapAccomplished2778"}

selftext:
BofA Preferred Rewards new tiers ( names ) from bogleheads forum ::  


OCR = "**Important Information:** On or about May 26, 2026, our Bank of America Preferred Rewards program will become BofA Rewards™. All customers with an open, qualifying personal checking account will be eligible for enrollment in BofA Rewards. BofA Rewards will feature the following tiers based on your three-month combined average daily balance in qualifying deposit and investment assets: Member tier, less than $30,000; P


topic_name: Is it dumb to hire a lawyer for a "not that serious" car accident?
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r289jg/is_it_dumb_to_hire_a_lawyer_for_a_not_that/
collected_at: 2026-02-12T00:06:18.920824+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r289jg", "score": 3, "num_comments": 2, "created_utc": 1770840909.0, "selftext": "Location: Florida\n\nAbout two weeks ago I was driving home from work and someone sideswiped me while merging onto I-4. It wasn\u2019t some dramatic rollover or anything, but the impact shoved me into the shoulder and my passenger side doors are pretty mangled. Police came, other driver was cited.\n\nI didn\u2019t think I was hurt at first. The next day my mid back and neck were tight, then the headaches started and now I\u2019ve got this annoying numbness that comes and goes in my fingers. Urgent care said no fra", "sort": "hot", "upvote_ratio": 1.0, "author": "Bos187"}

selftext:
Location: Florida

About two weeks ago I was driving home from work and someone sideswiped me while merging onto I-4. It wasn’t some dramatic rollover or anything, but the impact shoved me into the shoulder and my passenger side doors are pretty mangled. Police came, other driver was cited.

I didn’t think I was hurt at first. The next day my mid back and neck were tight, then the headaches started and now I’ve got this annoying numbness that comes and goes in my fingers. Urgent care said no fra


topic_name: I mounted a misdelivered TV. Need advice on how to proceed.
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356485+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qsby2b/i_mounted_a_misdelivered_tv_need_advice_on_how_to/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qsby2b", "score": 1604, "num_comments": 306, "created_utc": 1769888200.0, "selftext": "Location: Utah\n\n\u200bI ordered a 65-inch OLED TV from an eBay seller last week, but when the logistics company showed up, they delivered a bigger-sized OLED instead. It\u2019s worth about double what I actually paid. Since I thought it was my order at first, I went ahead and paid to have it mounted and had them recycle the box. The eBay tracking officially said \"delivered,\" so on paper, the transaction looked finished.\n\n\u200bHowever, a week later, the logistics company called and left a message saying their ", "sort": "top", "upvote_ratio": 0.92, "author": "Keepitobsoletee"}

selftext:
Location: Utah

​I ordered a 65-inch OLED TV from an eBay seller last week, but when the logistics company showed up, they delivered a bigger-sized OLED instead. It’s worth about double what I actually paid. Since I thought it was my order at first, I went ahead and paid to have it mounted and had them recycle the box. The eBay tracking officially said "delivered," so on paper, the transaction looked finished.

​However, a week later, the logistics company called and left a message saying their 


topic_name: LPT: if stores are out of wood stove pellets, look for pelletized horse bedding.
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qzd4kh/lpt_if_stores_are_out_of_wood_stove_pellets_look/
collected_at: 2026-02-12T00:06:28.285997+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qzd4kh", "score": 0, "num_comments": 12, "created_utc": 1770567577.0, "selftext": "Look at farm and tack stores, tractor supply, or some pet stores. They are priced similar for a 40 pound bad to wood pellets. 100% pine and completely fine to use in a pellet stove. ", "sort": "hot", "upvote_ratio": 0.41, "author": "Charlie3006"}

selftext:
Look at farm and tack stores, tractor supply, or some pet stores. They are priced similar for a 40 pound bad to wood pellets. 100% pine and completely fine to use in a pellet stove. 


topic_name: Looking for a personal table that can be put away quickly.
source: reddit
region: global
collected_at: 2026-02-12T00:06:36.789629+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/BuyItForLife/comments/1r1mxku/looking_for_a_personal_table_that_can_be_put_away/

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1mxku", "score": 14, "num_comments": 16, "created_utc": 1770782077.0, "selftext": "I am beginning to develop more hobbies such as painting minifigures and doing puzzles. Does anyone know of a personal sized table that I can pull out when I need it?\n\n\n\nEdit: Thank you everyone who responded.\n\nThese are the 2 options I am now considering\n\nhttps://a.co/d/0d5QYxaD\n\n\nhttps://www.ikea.com/us/en/p/norden-gateleg-table-birch-90423887/?gad_source=4&amp;gad_campaignid=10697534794&amp;gbraid=0AAAAAD27g7wGz5cqCg7fPkHim-mwUjof9&amp;gclid=Cj0KCQiA7rDMBhCjARIsAGDBuEDvjqHlQeecHtOk-rvwuubfQNK9", "sort": "hot", "upvote_ratio": 0.85, "author": "Deaylzz"}

selftext:
I am beginning to develop more hobbies such as painting minifigures and doing puzzles. Does anyone know of a personal sized table that I can pull out when I need it?



Edit: Thank you everyone who responded.

These are the 2 options I am now considering

https://a.co/d/0d5QYxaD


https://www.ikea.com/us/en/p/norden-gateleg-table-birch-90423887/?gad_source=4&amp;gad_campaignid=10697534794&amp;gbraid=0AAAAAD27g7wGz5cqCg7fPkHim-mwUjof9&amp;gclid=Cj0KCQiA7rDMBhCjARIsAGDBuEDvjqHlQeecHtOk-rvwuubfQNK9


topic_name: My 1945 Girard Perregaux refuses to die
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qurfv4/my_1945_girard_perregaux_refuses_to_die/
collected_at: 2026-02-12T00:06:40.492210+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qurfv4", "score": 1471, "num_comments": 62, "created_utc": 1770124024.0, "selftext": "", "sort": "top", "upvote_ratio": 0.98, "author": "exodus_sirius"}


source: curiosity_query
region: global
collected_at: 2026-02-12T00:07:08.397191+00:00
autocomplete: []
reddit_subreddits: []
signal_type: question
topic_name:
What are the key dietary components that contribute to better heart health, and how can they be incorporated into daily life?

metadata:
{"original_headline": "What a cardiologist eats in a day for better heart health - The Washington Post", "original_source": "google_news", "llm_generated": true, "query_source": "groq_llm"}


topic_name: Ranking Best Doakes Edits 🔥
source: youtube
region: US
url: https://youtube.com/watch?v=UO4WcKekXeo
collected_at: 2026-02-12T00:04:30.534608
autocomplete: []
category: Entertainment
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "UO4WcKekXeo", "channel": "rank_King", "category": "Entertainment", "category_id": 24, "views": "8731138", "view_count": 8731138, "likes": "442520", "published_at": "2026-02-07T21:13:05Z"}


topic_name: James Van Der Beek, ‘Dawson’s Creek’ Actor, Dies at 48 After Cancer Battle - The New York Times
source: google_news
region: US
collected_at: 2026-02-12T00:04:32.195416
autocomplete: []
category: Headlines
reddit_subreddits: []
signal_type: news_context
url:

metadata:
{"published": "Wed, 11 Feb 2026 22:40:40 GMT", "source_publication": "The New York Times", "category": "Headlines"}


topic_name: Can someone explain self employment taxes like I’m 5???
source: reddit
region: global
collected_at: 2026-02-12T00:04:41.814852+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/personalfinance/comments/1r2ds7f/can_someone_explain_self_employment_taxes_like_im/

metadata:
{"subreddit": "personalfinance", "post_id": "1r2ds7f", "score": 1, "num_comments": 3, "created_utc": 1770853738.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.67, "author": "Machiatoplease"}


source: reddit
region: global
collected_at: 2026-02-12T00:04:45.418162+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
topic_name:
Parents paid for whole life insurance for me for 17 years and has me taking over. Not sure whether I should keep paying or not

url:
https://reddit.com/r/personalfinance/comments/1qd2zha/parents_paid_for_whole_life_insurance_for_me_for/

metadata:
{"subreddit": "personalfinance", "post_id": "1qd2zha", "score": 659, "num_comments": 431, "created_utc": 1768433059.0, "selftext": "My parents are policyholders of a whole life insurance policy on me (insured) since I was 6 years old. Now they want me to start paying the annual premiums. I\u2019m not really sure whole life insurance is beneficial for me. I keep seeing everywhere to go with term life insurance instead. I\u2019m 23 years old with no dependents yet, but I do plan on having a family in the future. Any advice? ", "sort": "top", "upvote_ratio": 0.93, "author": "skyapple13"}

selftext:
My parents are policyholders of a whole life insurance policy on me (insured) since I was 6 years old. Now they want me to start paying the annual premiums. I’m not really sure whole life insurance is beneficial for me. I keep seeing everywhere to go with term life insurance instead. I’m 23 years old with no dependents yet, but I do plan on having a family in the future. Any advice? 


topic_name: VIN not found on KBB or Edmunds
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1r1koc5/vin_not_found_on_kbb_or_edmunds/
collected_at: 2026-02-12T00:04:50.635685+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1r1koc5", "score": 1, "num_comments": 8, "created_utc": 1770775929.0, "selftext": "I\u2019ve got a 99 F250 and I\u2019m trying to get an estimated value from KBB or Edmunds, but both require VINs and when I enter the VIN or my license plate it just says they\u2019re not found.\n\nIt is currently registered and insured and the VIN is what is stated on the title so I\u2019m just lost on what it could be.", "sort": "hot", "upvote_ratio": 1.0, "author": "Acclimated-Alps696"}

selftext:
I’ve got a 99 F250 and I’m trying to get an estimated value from KBB or Edmunds, but both require VINs and when I enter the VIN or my license plate it just says they’re not found.

It is currently registered and insured and the VIN is what is stated on the title so I’m just lost on what it could be.


topic_name: Hostility from manager prior to closing: what went wrong?
source: reddit
region: global
collected_at: 2026-02-12T00:04:53.860262+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1qxxx9r/hostility_from_manager_prior_to_closing_what_went/

metadata:
{"subreddit": "askcarsales", "post_id": "1qxxx9r", "score": 36, "num_comments": 36, "created_utc": 1770421475.0, "selftext": "Hi all, I'm in the market for a vehicle right now and we narrowed it down to a specific brand/year range/model. We found a dealership with a few of the exact model that met our needs.\n\nThe sales rep was helpful and pleasant. He asked good questions about what exactly we were looking for, was honest when he didn't know the answer (but instantly began figuring it out), and was patient with test driving, etc.\n\nI sent the car for an independent inspection which identified a few faults. The sales rep", "sort": "top", "upvote_ratio": 0.75, "author": "ConifersAreCool"}

selftext:
Hi all, I'm in the market for a vehicle right now and we narrowed it down to a specific brand/year range/model. We found a dealership with a few of the exact model that met our needs.

The sales rep was helpful and pleasant. He asked good questions about what exactly we were looking for, was honest when he didn't know the answer (but instantly began figuring it out), and was patient with test driving, etc.

I sent the car for an independent inspection which identified a few faults. The sales rep


topic_name: Budgeting and move out help and questions
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r2d3uf/budgeting_and_move_out_help_and_questions/
collected_at: 2026-02-12T00:04:59.457447+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r2d3uf", "score": 1, "num_comments": 9, "created_utc": 1770852028.0, "selftext": "So this is really a two-part question or maybe five I don\u2019t know.\n\nBut I make 1700 every other Friday so on any given month, I have $3400 if rent is due on the first what did I just be paying check the check if my rent is let\u2019s say 1200 to 1500?\n\nI also want to know how I can budget living in New Jersey to find a place to stay. What are some tips or some general rules of thumb?\n\nBefore anybody gets on me, I\u2019ve always been pretty bad with money and my credit is shot. I\u2019m just trying to make a cha", "sort": "hot", "upvote_ratio": 1.0, "author": "Exact-Muffin-363"}

selftext:
So this is really a two-part question or maybe five I don’t know.

But I make 1700 every other Friday so on any given month, I have $3400 if rent is due on the first what did I just be paying check the check if my rent is let’s say 1200 to 1500?

I also want to know how I can budget living in New Jersey to find a place to stay. What are some tips or some general rules of thumb?

Before anybody gets on me, I’ve always been pretty bad with money and my credit is shot. I’m just trying to make a cha


topic_name: Quoted $150 to fix my phone screen. Couldn’t afford it so I did it myself
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489206+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qid518/quoted_150_to_fix_my_phone_screen_couldnt_afford/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qid518", "score": 1648, "num_comments": 158, "created_utc": 1768942330.0, "selftext": "I cracked my phone screen even though I had a screen protector on\ud83d\ude2d I called a local repair shop and was quoted $150, which I honestly couldn\u2019t justify right now for just a screen.\n\nSo I decided to try replacing it myself. Since the screen was already coming off, I also swapped out the battery (it was down to 67% capacity anyway). The screen and battery ended up costing $111 total, which still felt better than the repair quote.\n\nI won\u2019t lie, I was very nervous the whole time. I followed a few tut", "sort": "top", "upvote_ratio": 0.98, "author": "staleshrimp101"}

selftext:
I cracked my phone screen even though I had a screen protector on😭 I called a local repair shop and was quoted $150, which I honestly couldn’t justify right now for just a screen.

So I decided to try replacing it myself. Since the screen was already coming off, I also swapped out the battery (it was down to 67% capacity anyway). The screen and battery ended up costing $111 total, which still felt better than the repair quote.

I won’t lie, I was very nervous the whole time. I followed a few tut


source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r27mpd/us_fake_dispatch_health_remote_customer_service/
collected_at: 2026-02-12T00:05:08.886659+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
topic_name:
[US] Fake Dispatch Health Remote Customer Service Scam Alert - Reposting with last names redacted per subs guidelines

metadata:
{"subreddit": "Scams", "post_id": "1r27mpd", "score": 1, "num_comments": 2, "created_utc": 1770839496.0, "selftext": "I got an email from an Anita, telling me that I had been invited to an interview and to connect with a James via teams. I proceeded to do so, went through an interview. Interview went well. Was told a couple hours later that I was hired. It was here that it became an apparent scam. Interviewer then stated that they were going to send me an echeck to fund the equipment they were supposedly providing. So, just a warning about this. Hopefully it will help someone not waste their time. James also go", "sort": "hot", "upvote_ratio": 1.0, "author": "DarkSideDweller"}

selftext:
I got an email from an Anita, telling me that I had been invited to an interview and to connect with a James via teams. I proceeded to do so, went through an interview. Interview went well. Was told a couple hours later that I was hired. It was here that it became an apparent scam. Interviewer then stated that they were going to send me an echeck to fund the equipment they were supposedly providing. So, just a warning about this. Hopefully it will help someone not waste their time. James also go


topic_name: Lopez et al. v. Apple Inc. Direct Deposit Link
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qoevik/lopez_et_al_v_apple_inc_direct_deposit_link/
collected_at: 2026-02-12T00:05:12.358851+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qoevik", "score": 291, "num_comments": 373, "created_utc": 1769523036.0, "selftext": "I received an email recently about a class action payout with a link to a $40 check with \"Click here to deposit this payment\". Everything about it screams scam, but the settlement does seem to be real, and the link does go to a legitimate bank site at First Horizon Bank (Clear Path Payments). \n\nIs this payout legitimate? I don't love that I need to enter bank account information from a link I got in an email that I wasn't expecting, but I also don't think First Horizon Bank is likely to be part ", "sort": "top", "upvote_ratio": 0.99, "author": "b0jangles"}

selftext:
I received an email recently about a class action payout with a link to a $40 check with "Click here to deposit this payment". Everything about it screams scam, but the settlement does seem to be real, and the link does go to a legitimate bank site at First Horizon Bank (Clear Path Payments). 

Is this payout legitimate? I don't love that I need to enter bank account information from a link I got in an email that I wasn't expecting, but I also don't think First Horizon Bank is likely to be part 


topic_name: How to get your money back from Creative Fabrica (Guide for victims of Dark Patterns)
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889732+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1q9dyd7/how_to_get_your_money_back_from_creative_fabrica/

metadata:
{"subreddit": "assholedesign", "post_id": "1q9dyd7", "score": 157, "num_comments": 13, "created_utc": 1768075241.0, "selftext": "If you were charged after a trial because you couldn't find the cancel button, or if you feel misled by their \"All Access\" marketing, follow these steps:\n\n**1. Gather your evidence (The \"Smoking Gun\")** Check your **Welcome Email** from Creative Fabrica. Look for the \"Yearly ALL ACCESS\" section. It usually explicitly states:\n\n* *\"Unlimited access to Studio, Vectorizer and the rest of our tools\"* \\* *\"Risk Free. Cancel any time.\"* **Save this as a PDF.** This is proof of false advertising since t", "sort": "hot", "upvote_ratio": 0.91, "author": "Chemical_Middle_3020"}

selftext:
If you were charged after a trial because you couldn't find the cancel button, or if you feel misled by their "All Access" marketing, follow these steps:

**1. Gather your evidence (The "Smoking Gun")** Check your **Welcome Email** from Creative Fabrica. Look for the "Yearly ALL ACCESS" section. It usually explicitly states:

* *"Unlimited access to Studio, Vectorizer and the rest of our tools"* \* *"Risk Free. Cancel any time."* **Save this as a PDF.** This is proof of false advertising since t


topic_name: AI is more evil than I ever could have guessed...
source: reddit
region: global
url: https://reddit.com/r/antiMLM/comments/1qzzhwd/ai_is_more_evil_than_i_ever_could_have_guessed/
collected_at: 2026-02-12T00:05:26.020460+00:00
autocomplete: []
subreddit: antiMLM
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "antiMLM", "post_id": "1qzzhwd", "score": 27, "num_comments": 10, "created_utc": 1770628195.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.85, "author": "Pretend-Buy7384"}


topic_name: Ice from apartment building roof fell on car
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r27ff1/ice_from_apartment_building_roof_fell_on_car/
collected_at: 2026-02-12T00:05:44.256624+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r27ff1", "score": 0, "num_comments": 33, "created_utc": 1770839052.0, "selftext": "Friend got a call from the property manager to tell him that ice from the apartment building roof had fallen on his car and smashed out his back window. \n\nHe was parked in the driveway, which he has permission to park in. \n\nProperty mgr said he will ask the building owner if insurance will pay for it but he figured it is probably considered an act of god. \n\nAny opinions? Friend is getting it fixed, but is wondering what are the chances he might get reimbursed. ", "sort": "hot", "upvote_ratio": 0.5, "author": "Away_Amoeba5554"}

selftext:
Friend got a call from the property manager to tell him that ice from the apartment building roof had fallen on his car and smashed out his back window. 

He was parked in the driveway, which he has permission to park in. 

Property mgr said he will ask the building owner if insurance will pay for it but he figured it is probably considered an act of god. 

Any opinions? Friend is getting it fixed, but is wondering what are the chances he might get reimbursed. 


topic_name: My daughter was recently rear ended and insurance is deeming it 50/50
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qxfo9m/my_daughter_was_recently_rear_ended_and_insurance/
collected_at: 2026-02-12T00:05:47.658338+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qxfo9m", "score": 29, "num_comments": 167, "created_utc": 1770379078.0, "selftext": "Hi everyone. Just looking to see if anyone has been in this position and what they did to remedy. My daughter was recently rear ended (her car is not driveable and she sustained injuries). She has the guy\u2019s insurance, DL and ownership (after an hour fight and a call to police - who never came to the scene). She has video of him refusing to provide his details and photos of the damage to both her vehicle and his. She advised her broker of the accident and it was reported to her insurance. Her ins", "sort": "top", "upvote_ratio": 0.8, "author": "MamaBear4035"}

selftext:
Hi everyone. Just looking to see if anyone has been in this position and what they did to remedy. My daughter was recently rear ended (her car is not driveable and she sustained injuries). She has the guy’s insurance, DL and ownership (after an hour fight and a call to police - who never came to the scene). She has video of him refusing to provide his details and photos of the damage to both her vehicle and his. She advised her broker of the accident and it was reported to her insurance. Her ins


topic_name: Nord VPN has the WORST customer support experience if your credit card expires (and sleazy tactics)
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qm09sc/nord_vpn_has_the_worst_customer_support/
collected_at: 2026-02-12T00:05:53.366282+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qm09sc", "score": 19, "num_comments": 3, "created_utc": 1769291929.0, "selftext": "I just wasted over an hour fighting with Nord VPN customer support (live chat agent), and I\u2019m so frustrated that I wanted to warn everyone else what I went through. \n\nThis is so others don't get tricked into paying more money for a lower quality service just because a credit card expired.\n\n**My Original Plus Plan / Package:** \n\nI\u2019ve been paying for Nord VPN for a while now, and my original plus plan was $13.99/month which included:\n\n* NordVPN\n* Threat Protection\n* Dark Web Monitor\n* NordPass Pre", "sort": "hot", "upvote_ratio": 0.91, "author": "CraftingAmbition"}

selftext:
I just wasted over an hour fighting with Nord VPN customer support (live chat agent), and I’m so frustrated that I wanted to warn everyone else what I went through. 

This is so others don't get tricked into paying more money for a lower quality service just because a credit card expired.

**My Original Plus Plan / Package:** 

I’ve been paying for Nord VPN for a while now, and my original plus plan was $13.99/month which included:

* NordVPN
* Threat Protection
* Dark Web Monitor
* NordPass Pre


topic_name: Best home ecosystem for frugal people? Amazon vs Google vs Apple
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r18r1i/best_home_ecosystem_for_frugal_people_amazon_vs/
collected_at: 2026-02-12T00:06:01.656894+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r18r1i", "score": 0, "num_comments": 16, "created_utc": 1770748035.0, "selftext": "I\u2019m trying to figure out what the most frugal home ecosystem is long term.\n\nRight now I use Amazon Echo devices (Alexa), and I also have a Nest thermostat and a Ring security system. So I\u2019m kind of split between Amazon and Google already.\n\nIf you were starting over, or just trying to optimize for value, which ecosystem makes the most sense financially?\n\nI\u2019m mainly thinking about:\n\n* Smart home integration (lights, plugs, thermostat, doorbell, etc.)\n* Long term costs (subscriptions, device upgrad", "sort": "hot", "upvote_ratio": 0.38, "author": "Orion_Oregon"}

selftext:
I’m trying to figure out what the most frugal home ecosystem is long term.

Right now I use Amazon Echo devices (Alexa), and I also have a Nest thermostat and a Ring security system. So I’m kind of split between Amazon and Google already.

If you were starting over, or just trying to optimize for value, which ecosystem makes the most sense financially?

I’m mainly thinking about:

* Smart home integration (lights, plugs, thermostat, doorbell, etc.)
* Long term costs (subscriptions, device upgrad


source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qih2or/is_it_cheaper_to_lower_the_thermostat_when_im/
collected_at: 2026-02-12T00:06:05.044498+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
topic_name:
Is it cheaper to lower the thermostat when I'm gone for 10 hours/day at work than to keep it at a certain temp all day?

metadata:
{"subreddit": "Frugal", "post_id": "1qih2or", "score": 603, "num_comments": 200, "created_utc": 1768951224.0, "selftext": "Wouldn't the furnace have to work harder to crank the temp back up when I return? \nI heard that applies in summer when you turn the air conditioning off when you leave, the system has to work harder to cool the house when you want the air back on than it would if you just kept it at a constant temperature to begin with, thus negating the benefit, or even costing more.  \n\nAlso related, how long before a smart thermostat pays for itself in energy savings?", "sort": "top", "upvote_ratio": 0.91, "author": "scansinboy"}

selftext:
Wouldn't the furnace have to work harder to crank the temp back up when I return? 
I heard that applies in summer when you turn the air conditioning off when you leave, the system has to work harder to cool the house when you want the air back on than it would if you just kept it at a constant temperature to begin with, thus negating the benefit, or even costing more.  

Also related, how long before a smart thermostat pays for itself in energy savings?


topic_name: Wells Fargo: Timing credit limit increase with new credit card application to minimize hard pulls?
source: reddit
region: global
collected_at: 2026-02-12T00:06:10.587848+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/CreditCards/comments/1r1zg9s/wells_fargo_timing_credit_limit_increase_with_new/

metadata:
{"subreddit": "CreditCards", "post_id": "1r1zg9s", "score": 5, "num_comments": 1, "created_utc": 1770821599.0, "selftext": "I currently have 3 WF credit cards (Autograph, Active Cash, and the old Visa Signature).  I'm considering applying for the Attune, and I'm also interested in requesting CLIs for 2/3 of my current cards.  I know that, as of December 2025, WF now requires hard pulls for CLIs, unfortunately ([source](https://www.reddit.com/r/CreditCards/comments/1pcv61y/psa_as_of_dec_2025_wells_fargo_now_requires_hard/)).  \n\nSo, naturally my question is -- if I apply for the Attune (a prospective new card for me, d", "sort": "hot", "upvote_ratio": 1.0, "author": "aManAmongAmens"}

selftext:
I currently have 3 WF credit cards (Autograph, Active Cash, and the old Visa Signature).  I'm considering applying for the Attune, and I'm also interested in requesting CLIs for 2/3 of my current cards.  I know that, as of December 2025, WF now requires hard pulls for CLIs, unfortunately ([source](https://www.reddit.com/r/CreditCards/comments/1pcv61y/psa_as_of_dec_2025_wells_fargo_now_requires_hard/)).  

So, naturally my question is -- if I apply for the Attune (a prospective new card for me, d


topic_name: 35 BILT threads in 4 hours: GOAT FOTM?
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qd3n4m/35_bilt_threads_in_4_hours_goat_fotm/
collected_at: 2026-02-12T00:06:13.782056+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qd3n4m", "score": 165, "num_comments": 52, "created_utc": 1768434666.0, "selftext": "Make it 36 with this post ;)\n\n35 of the 75 newest threads contain something in the title about BILT... ~47%. I've only been around this sub for a couple of years, but this is the biggest FOTM product that I can remember in terms of post frequency. \n\nFor those that have been around longer, what are some others that have come close or bested this BILT wave?\n\nEDIT #1: 94 more BILT threads within 24 hours of creating this post.\n\nEDIT #2: It looks like a total of 146 BILT threads in 2 days. I wanted ", "sort": "top", "upvote_ratio": 0.92, "author": "BrutalBodyShots"}

selftext:
Make it 36 with this post ;)

35 of the 75 newest threads contain something in the title about BILT... ~47%. I've only been around this sub for a couple of years, but this is the biggest FOTM product that I can remember in terms of post frequency. 

For those that have been around longer, what are some others that have come close or bested this BILT wave?

EDIT #1: 94 more BILT threads within 24 hours of creating this post.

EDIT #2: It looks like a total of 146 BILT threads in 2 days. I wanted 


topic_name: Old employer listed another employees social as mine
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2b7wh/old_employer_listed_another_employees_social_as/
collected_at: 2026-02-12T00:06:18.920827+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2b7wh", "score": 2, "num_comments": 0, "created_utc": 1770847588.0, "selftext": "Location: Pennsylvania.\nAn employer I used to work for listed another employee with my social security number. I know the employee we applied/interviewed/hired the same day, I don\u2019t have any reason to believe anything malicious was done but a mistake with HR. I only found out when looking at my IRS transcripts and saw income listed from them this year and last when I was no longer employed with them, confirmed with the other employee that this was all there information for there income. Even wit", "sort": "hot", "upvote_ratio": 1.0, "author": "Straight-Low1291"}

selftext:
Location: Pennsylvania.
An employer I used to work for listed another employee with my social security number. I know the employee we applied/interviewed/hired the same day, I don’t have any reason to believe anything malicious was done but a mistake with HR. I only found out when looking at my IRS transcripts and saw income listed from them this year and last when I was no longer employed with them, confirmed with the other employee that this was all there information for there income. Even wit


topic_name: Sold a car, now i’m on the hook for $6,000+ bill
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1qhmbro/sold_a_car_now_im_on_the_hook_for_6000_bill/
collected_at: 2026-02-12T00:06:22.356489+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1qhmbro", "score": 1594, "num_comments": 309, "created_utc": 1768869994.0, "selftext": "Location: California, SLO County\n\nHello, here\u2019s a quick explanation of my situation. I bought a car about 2 years ago in Alabama, and sold it about a year after that, in California early 2025. I sold the car to a man off Facebook Marketplace. I had never sold a car before so I asked a family member, and was told to do a bill of sale + signing the title over. At that time, I had never heard of a Loss of Liability form, nor did I know its importance.\n\nFast forward to about a week ago, I got a call", "sort": "top", "upvote_ratio": 0.95, "author": "Apart-Cartoonist-804"}

selftext:
Location: California, SLO County

Hello, here’s a quick explanation of my situation. I bought a car about 2 years ago in Alabama, and sold it about a year after that, in California early 2025. I sold the car to a man off Facebook Marketplace. I had never sold a car before so I asked a family member, and was told to do a bill of sale + signing the title over. At that time, I had never heard of a Loss of Liability form, nor did I know its importance.

Fast forward to about a week ago, I got a call


topic_name: LPT - If you’re bad with names, add extra information into their contact entry in your phone book.
source: reddit
region: global
collected_at: 2026-02-12T00:06:28.286004+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/LifeProTips/comments/1qy7qn9/lpt_if_youre_bad_with_names_add_extra_information/

metadata:
{"subreddit": "LifeProTips", "post_id": "1qy7qn9", "score": 70, "num_comments": 22, "created_utc": 1770450027.0, "selftext": "I\u2019m terrible with names but I can remember certain details about a person like where I know them from, what they do for a living, etc. On the iPhone (I\u2019d imagine it\u2019s possible on Android too), I\u2019ll add in details about the person in the \u201cCompany\u201d field to help me be able to search for the person\u2019s name when I want to call or message them. For instance, I meet a lot if contractors in my business and so I\u2019ll put the name of the company and their specialty and something to recall them by.\n\nFirst na", "sort": "hot", "upvote_ratio": 0.83, "author": "lgmaster78"}

selftext:
I’m terrible with names but I can remember certain details about a person like where I know them from, what they do for a living, etc. On the iPhone (I’d imagine it’s possible on Android too), I’ll add in details about the person in the “Company” field to help me be able to search for the person’s name when I want to call or message them. For instance, I meet a lot if contractors in my business and so I’ll put the name of the company and their specialty and something to recall them by.

First na


source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r142yr/vacuum_cleaners_for_pets_i_analyzed_1k_posts_to/
collected_at: 2026-02-12T00:06:36.789635+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
topic_name:
Vacuum cleaners for *pets* - I analyzed 1k+ posts to find the top ones on Reddit in the past year (Feb 2025-2026)

metadata:
{"subreddit": "BuyItForLife", "post_id": "1r142yr", "score": 89, "num_comments": 43, "created_utc": 1770737970.0, "selftext": "This is part of my project to tinker with Reddit data and LLMs. I wanted to create something useful for the community while leveling up my coding chops.\n\nThe idea is to see which vacuum cleaners got the most consistent love vs mixed reviews when it comes to ***pets****.*\n\nI posted a general vacuum cleaner analysis a few months back. Some of you requested for an analysis more specific to pets, so here it is.\n\nAny surprising rankings?\n\nAll the data is available for inspection on RedditRecs .com (o", "sort": "hot", "upvote_ratio": 0.81, "author": "heyyyjoo"}

selftext:
This is part of my project to tinker with Reddit data and LLMs. I wanted to create something useful for the community while leveling up my coding chops.

The idea is to see which vacuum cleaners got the most consistent love vs mixed reviews when it comes to ***pets****.*

I posted a general vacuum cleaner analysis a few months back. Some of you requested for an analysis more specific to pets, so here it is.

Any surprising rankings?

All the data is available for inspection on RedditRecs .com (o


topic_name: I think this kindle qualifies after 15ish years
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qn5ovg/i_think_this_kindle_qualifies_after_15ish_years/
collected_at: 2026-02-12T00:06:40.492216+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qn5ovg", "score": 1435, "num_comments": 160, "created_utc": 1769400657.0, "selftext": "This is the 3rd gen, I think, kindle keyboard that we bought when they first came out something like 2011\u2026\n\nmy wife moved on to bigger and better things but I\u2019m still using it and have no plans to switch until the battery dies again. Maybe twice more", "sort": "top", "upvote_ratio": 0.95, "author": "mike_tyler58"}

selftext:
This is the 3rd gen, I think, kindle keyboard that we bought when they first came out something like 2011…

my wife moved on to bigger and better things but I’m still using it and have no plans to switch until the battery dies again. Maybe twice more


topic_name: 72(t) - can you take a fixed amount that is less than 5% from the start?
source: reddit
region: global
collected_at: 2026-02-12T00:06:46.999995+00:00
autocomplete: []
subreddit: financialindependence
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/financialindependence/comments/1qv7me6/72t_can_you_take_a_fixed_amount_that_is_less_than/

metadata:
{"subreddit": "financialindependence", "post_id": "1qv7me6", "score": 39, "num_comments": 33, "created_utc": 1770160482.0, "selftext": "If I knew the dollar amount I \"needed\" for income was $35,000/year and I was looking to draw from an IRA that had $600,000 at month-end last month, and I was turning 50 this year. According to both of these two [current](https://72tcalc.com/calculator.html) 72t [calculators](https://www.moaa.org/content/benefits-and-discounts/finance/Calculators/72(t)-calculator/), at the 5% interest rate assumption, these are the distributions that come up:\n\n* Required Minimum (Single Life) : $16,574.59\n* Requi", "sort": "hot", "upvote_ratio": 0.8, "author": "iamthinksnow"}

selftext:
If I knew the dollar amount I "needed" for income was $35,000/year and I was looking to draw from an IRA that had $600,000 at month-end last month, and I was turning 50 this year. According to both of these two [current](https://72tcalc.com/calculator.html) 72t [calculators](https://www.moaa.org/content/benefits-and-discounts/finance/Calculators/72(t)-calculator/), at the 5% interest rate assumption, these are the distributions that come up:

* Required Minimum (Single Life) : $16,574.59
* Requi


topic_name: Strangers save trapped driver from burning car
source: youtube
region: US
url: https://youtube.com/watch?v=zHN6LJCglxA
collected_at: 2026-02-12T00:04:30.406888
autocomplete: []
category: News & Politics
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "zHN6LJCglxA", "channel": "Newsnercom", "category": "News & Politics", "category_id": 25, "views": "8246334", "view_count": 8246334, "likes": "186506", "published_at": "2026-02-02T18:01:20Z"}


source: google_news
region: US
collected_at: 2026-02-12T00:04:32.195423
autocomplete: []
category: Headlines
reddit_subreddits: []
signal_type: news_context
topic_name:
Ben Stiller Shuts Down Congressman for Demanding FCC Investigation into Bad Bunny’s Super Bowl Halftime Show: ‘Bunny’s Got Huge Talent and Even Bigger Heart’ - Variety

url:

metadata:
{"published": "Wed, 11 Feb 2026 21:50:00 GMT", "source_publication": "Variety", "category": "Headlines"}


topic_name: Over 40 Catch Up Advice
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1r2dik0/over_40_catch_up_advice/
collected_at: 2026-02-12T00:04:41.814856+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1r2dik0", "score": 0, "num_comments": 0, "created_utc": 1770853062.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.5, "author": "Main-Nefariousness97"}


topic_name: Mortgage Paid/No Family
source: reddit
region: global
url: https://reddit.com/r/personalfinance/comments/1qiil3h/mortgage_paidno_family/
collected_at: 2026-02-12T00:04:45.418166+00:00
autocomplete: []
subreddit: personalfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "personalfinance", "post_id": "1qiil3h", "score": 645, "num_comments": 212, "created_utc": 1768954911.0, "selftext": "Crazy scenario. I\u2019m a 55 F and house paid off. Latest value is $590K. I just inherited 1M, and have another $500K in 401K. \n\nWould it make any sense to sell the house, invest the money, take 30% from savings for a down payment on a townhome for my forever retirement home base, and just die with the mortgage debt? I have zero family. No children, no family to speak of. So why not die with debt, and live well and travel with the rest of my investments? \n\nDoes this even make a lick of sense?", "sort": "top", "upvote_ratio": 0.87, "author": "Excellent_Chapter_71"}

selftext:
Crazy scenario. I’m a 55 F and house paid off. Latest value is $590K. I just inherited 1M, and have another $500K in 401K. 

Would it make any sense to sell the house, invest the money, take 30% from savings for a down payment on a townhome for my forever retirement home base, and just die with the mortgage debt? I have zero family. No children, no family to speak of. So why not die with debt, and live well and travel with the rest of my investments? 

Does this even make a lick of sense?


topic_name: PA dealership: Out of state title registration and tag fees
source: reddit
region: global
collected_at: 2026-02-12T00:04:50.635689+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/askcarsales/comments/1r1jrhz/pa_dealership_out_of_state_title_registration_and/

metadata:
{"subreddit": "askcarsales", "post_id": "1r1jrhz", "score": 1, "num_comments": 5, "created_utc": 1770773456.0, "selftext": "Buying an odyssey from PA, I live in Ohio.\n\nOTD Included\n\n21593 price of vehicle\n\n1727 8% Ohio tax\n\n490 doc fee \n\n353 plate reg and titling fee\n\nThey will give me a PA temp tag and plates will be mailed to me directly.\n\nIs this fee accurate or are they padding the fee?", "sort": "hot", "upvote_ratio": 1.0, "author": "FitITman"}

selftext:
Buying an odyssey from PA, I live in Ohio.

OTD Included

21593 price of vehicle

1727 8% Ohio tax

490 doc fee 

353 plate reg and titling fee

They will give me a PA temp tag and plates will be mailed to me directly.

Is this fee accurate or are they padding the fee?


topic_name: Haven’t signed papers but dealer is saying flat cancel?
source: reddit
region: global
url: https://reddit.com/r/askcarsales/comments/1qf0izb/havent_signed_papers_but_dealer_is_saying_flat/
collected_at: 2026-02-12T00:04:53.860267+00:00
autocomplete: []
subreddit: askcarsales
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "askcarsales", "post_id": "1qf0izb", "score": 39, "num_comments": 49, "created_utc": 1768616487.0, "selftext": "2 days ago, I submitted a fully refundable deposit on a new car at a dealership (Florida), and completed a credit app + some background info on address/insurance etc. Due to extenuating circumstances, I have to back out from the deal. I was fully respectful to the rep, and offered to tip him $100 for his time and consideration.\n\nHis response was \u201cI\u2019ve already accepted the deal, If I flat cancel then Chase will not allow you to bank with them in the future because I\u2019ve already sent them your depo", "sort": "top", "upvote_ratio": 0.9, "author": "DangerousIncrease499"}

selftext:
2 days ago, I submitted a fully refundable deposit on a new car at a dealership (Florida), and completed a credit app + some background info on address/insurance etc. Due to extenuating circumstances, I have to back out from the deal. I was fully respectful to the rep, and offered to tip him $100 for his time and consideration.

His response was “I’ve already accepted the deal, If I flat cancel then Chase will not allow you to bank with them in the future because I’ve already sent them your depo


topic_name: $2000 in debt after a really tough year. I don't know what else to do.
source: reddit
region: global
url: https://reddit.com/r/povertyfinance/comments/1r1y0vw/2000_in_debt_after_a_really_tough_year_i_dont/
collected_at: 2026-02-12T00:04:59.457450+00:00
autocomplete: []
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "povertyfinance", "post_id": "1r1y0vw", "score": 5, "num_comments": 7, "created_utc": 1770818140.0, "selftext": "I have a debt of approximately $2,000 related to my rent and credit card due to a depression I fell into after losing my business because my wife left me\u2014she betrayed me. Two or three days later, my grandmother died from medical negligence, and my only support system at the time, a week later, decided to overdose on clonazepam (I had a key to her house, and when I entered, I saw her in that state. I had to call the police and go through that whole horrible process).\n\nObviously, there's more to t", "sort": "hot", "upvote_ratio": 0.65, "author": "Ok_Somewhere_6438"}

selftext:
I have a debt of approximately $2,000 related to my rent and credit card due to a depression I fell into after losing my business because my wife left me—she betrayed me. Two or three days later, my grandmother died from medical negligence, and my only support system at the time, a week later, decided to overdose on clonazepam (I had a key to her house, and when I entered, I saw her in that state. I had to call the police and go through that whole horrible process).

Obviously, there's more to t


topic_name: Being broke but “financially literate” is a weird place to be
source: reddit
region: global
collected_at: 2026-02-12T00:05:03.489210+00:00
autocomplete: []
selftext: I know what i should do, i just dont see immediate benefits from doing it.
subreddit: povertyfinance
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/povertyfinance/comments/1qjrgew/being_broke_but_financially_literate_is_a_weird/

metadata:
{"subreddit": "povertyfinance", "post_id": "1qjrgew", "score": 1617, "num_comments": 219, "created_utc": 1769079039.0, "selftext": "I know what i should do, i just dont see immediate benefits from doing it.", "sort": "top", "upvote_ratio": 0.97, "author": "Visible_Donkey_7130"}


topic_name: [IN] Why is there a sudden surge of unknown calls on my number?
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1r214ps/in_why_is_there_a_sudden_surge_of_unknown_calls/
collected_at: 2026-02-12T00:05:08.886663+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1r214ps", "score": 2, "num_comments": 8, "created_utc": 1770825440.0, "selftext": "Over the past few days, I have begun receiving an unusually high volume of spam calls (approximately 15\u201320 per day) originating from different numbers. In addition to this, I am also receiving unsolicited messages on WhatsApp. The sudden onset of this activity is concerning, particularly because I have already enabled the \u201cblock calls from unknown numbers\u201d setting on my device. What may have triggered this surge. Is it possible that my number was recently added to a marketing or spam database?\nF", "sort": "hot", "upvote_ratio": 0.67, "author": "voidinvelvet"}

selftext:
Over the past few days, I have begun receiving an unusually high volume of spam calls (approximately 15–20 per day) originating from different numbers. In addition to this, I am also receiving unsolicited messages on WhatsApp. The sudden onset of this activity is concerning, particularly because I have already enabled the “block calls from unknown numbers” setting on my device. What may have triggered this surge. Is it possible that my number was recently added to a marketing or spam database?
F


topic_name: [US] Thank you all for talking about check refund scams
source: reddit
region: global
url: https://reddit.com/r/Scams/comments/1qogyqj/us_thank_you_all_for_talking_about_check_refund/
collected_at: 2026-02-12T00:05:12.358854+00:00
autocomplete: []
subreddit: Scams
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Scams", "post_id": "1qogyqj", "score": 265, "num_comments": 28, "created_utc": 1769527774.0, "selftext": "Thanks all of you for saving my tiny charity a lot of money!\n\nI help run a dog rescue in Houston, TX. We got a Facebook message out of the blue asking if they could mail us check for a $2000 donation. We get random donations from people all over so this isn\u2019t unusual. They mailed a check foe $4020 from a mechanical shop in Wisconsin. As soon as the check arrived, we deposited it and my wife sent a message that is was for $4k instead of $2k. \u201cI told my assist it was only supposed to be $2k. That ", "sort": "top", "upvote_ratio": 0.99, "author": "loogie97"}

selftext:
Thanks all of you for saving my tiny charity a lot of money!

I help run a dog rescue in Houston, TX. We got a Facebook message out of the blue asking if they could mail us check for a $2000 donation. We get random donations from people all over so this isn’t unusual. They mailed a check foe $4020 from a mechanical shop in Wisconsin. As soon as the check arrived, we deposited it and my wife sent a message that is was for $4k instead of $2k. “I told my assist it was only supposed to be $2k. That 


topic_name: Google, you tried very very hard to push me away from Google ecosystem, you made it
source: reddit
region: global
collected_at: 2026-02-12T00:05:17.889735+00:00
autocomplete: []
subreddit: assholedesign
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/assholedesign/comments/1q8wni3/google_you_tried_very_very_hard_to_push_me_away/

metadata:
{"subreddit": "assholedesign", "post_id": "1q8wni3", "score": 1210, "num_comments": 76, "created_utc": 1768025863.0, "selftext": "Was a big Google fan, keep buying pixel phone from 3a all the way to pixel9 pro XL I'm using right now, and pixel buds pro, pixel watch... Remember that day when YouTube showed me blank homepage and asked for enabling my watch history, and YouTube premium, for hundreds of times, now it's the photos APPP backup.... I know you are trying very hard to push me away. You made it. Congratulations!", "sort": "hot", "upvote_ratio": 0.93, "author": "Py314159"}

selftext:
Was a big Google fan, keep buying pixel phone from 3a all the way to pixel9 pro XL I'm using right now, and pixel buds pro, pixel watch... Remember that day when YouTube showed me blank homepage and asked for enabling my watch history, and YouTube premium, for hundreds of times, now it's the photos APPP backup.... I know you are trying very hard to push me away. You made it. Congratulations!


topic_name: Denied grievance
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1r27dgo/denied_grievance/
collected_at: 2026-02-12T00:05:44.256628+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1r27dgo", "score": 1, "num_comments": 1, "created_utc": 1770838930.0, "selftext": "I went to a different country, and received dental work. My insurance company said in their policy that international dental care is covered, but they go through you rather than the dentist for all of the paperwork. I received the dental work in March of 2024, and the insurance company has been giving me the runaround the whole time.\n\nEvery time they decline my claim they don't tell me, the only way I find out that it was declined is by logging into their website to see they declined it. You can", "sort": "hot", "upvote_ratio": 1.0, "author": "RelationshipIll7682"}

selftext:
I went to a different country, and received dental work. My insurance company said in their policy that international dental care is covered, but they go through you rather than the dentist for all of the paperwork. I received the dental work in March of 2024, and the insurance company has been giving me the runaround the whole time.

Every time they decline my claim they don't tell me, the only way I find out that it was declined is by logging into their website to see they declined it. You can


topic_name: Hertz rental hit me and ran 3 MONTHS ago still no adjustor
source: reddit
region: global
url: https://reddit.com/r/Insurance/comments/1qonnji/hertz_rental_hit_me_and_ran_3_months_ago_still_no/
collected_at: 2026-02-12T00:05:47.658341+00:00
autocomplete: []
subreddit: Insurance
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Insurance", "post_id": "1qonnji", "score": 29, "num_comments": 90, "created_utc": 1769541680.0, "selftext": "RANT/ADVICE NEEDED: \n\nIn October of 2025 I was in a hit n run by a Hertz rental being used for the purpose of Uber. I got the plate number and filed a police report. However the other driver\u2019s insurance info is blank because the cop can\u2019t locate a current address or phone number therefore my insurance says they can\u2019t do anything until their insurance is provided. Ive called hertz dozens of times and told to call so many different numbers just to get nowhere. Today they informed me an adjuster ha", "sort": "top", "upvote_ratio": 0.79, "author": "secondtriplet"}

selftext:
RANT/ADVICE NEEDED: 

In October of 2025 I was in a hit n run by a Hertz rental being used for the purpose of Uber. I got the plate number and filed a police report. However the other driver’s insurance info is blank because the cop can’t locate a current address or phone number therefore my insurance says they can’t do anything until their insurance is provided. Ive called hertz dozens of times and told to call so many different numbers just to get nowhere. Today they informed me an adjuster ha


topic_name: Longing for the web before the 'Enshittification' aimed at harvesting data
source: reddit
region: global
url: https://reddit.com/r/darkpatterns/comments/1qlnowc/longing_for_the_web_before_the_enshittification/
collected_at: 2026-02-12T00:05:53.366286+00:00
autocomplete: []
subreddit: darkpatterns
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "darkpatterns", "post_id": "1qlnowc", "score": 11, "num_comments": 0, "created_utc": 1769263186.0, "selftext": "", "sort": "hot", "upvote_ratio": 1.0, "author": "OkDragonfruit55"}


topic_name: If you like movies, Regal Unlimited is a good deal.
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1r0arcg/if_you_like_movies_regal_unlimited_is_a_good_deal/
collected_at: 2026-02-12T00:06:01.656898+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1r0arcg", "score": 9, "num_comments": 28, "created_utc": 1770658713.0, "selftext": "My husband loves horror movies and superhero movies. This is one of his absolute favorite hobbies and he sees at least a movie a week, sometimes more. We got him a subscription to Regal Unlimited, which is about $25 a month  Every ticket only costs him tax, which is about .50c per ticket. That alone saves us money in movie tickets. \n\nBut, what makes it a really great bang for the buck is that every ticket banks regal rewards the same way as if he paid full price. The points are balanced towards ", "sort": "hot", "upvote_ratio": 0.62, "author": "elcasaurus"}

selftext:
My husband loves horror movies and superhero movies. This is one of his absolute favorite hobbies and he sees at least a movie a week, sometimes more. We got him a subscription to Regal Unlimited, which is about $25 a month  Every ticket only costs him tax, which is about .50c per ticket. That alone saves us money in movie tickets. 

But, what makes it a really great bang for the buck is that every ticket banks regal rewards the same way as if he paid full price. The points are balanced towards 


topic_name: What’s your go-to “default” frugal meal when you don’t want to think or spend?
source: reddit
region: global
url: https://reddit.com/r/Frugal/comments/1qmqghi/whats_your_goto_default_frugal_meal_when_you_dont/
collected_at: 2026-02-12T00:06:05.044501+00:00
autocomplete: []
subreddit: Frugal
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "Frugal", "post_id": "1qmqghi", "score": 587, "num_comments": 286, "created_utc": 1769364439.0, "selftext": "Rotisserie chicken + spring mix from Costco.\n\nIt\u2019s my no-thinking, no-cooking default. One $5 chicken turns into several meals, and a big tub of spring mix makes it feel fresh without any prep. I\u2019ll just tear off some chicken, throw it on the greens, maybe add whatever dressing or leftovers I have, and call it a day.\n\nCheap, fast, protein-heavy, and I don\u2019t get sick of it \ud83d\udc4d", "sort": "top", "upvote_ratio": 0.97, "author": "NothingOutrageous377"}

selftext:
Rotisserie chicken + spring mix from Costco.

It’s my no-thinking, no-cooking default. One $5 chicken turns into several meals, and a big tub of spring mix makes it feel fresh without any prep. I’ll just tear off some chicken, throw it on the greens, maybe add whatever dressing or leftovers I have, and call it a day.

Cheap, fast, protein-heavy, and I don’t get sick of it 👍


topic_name: Okay can someone explain why I only have an available balance of $14??
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1r2b0ue/okay_can_someone_explain_why_i_only_have_an/
collected_at: 2026-02-12T00:06:10.587852+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1r2b0ue", "score": 0, "num_comments": 3, "created_utc": 1770847159.0, "selftext": "I was maybe 3 or 4 days late on paying $30. I thought I paid, but I did not. They made me pay $60 for some effing reason. Maybe because I turned autopay on instead of paying it directly. Rewind to two days later, I only have $14 available on a $200 credit limit.\n\nMy current balance is $125. I'm really confused. \n\nShould I just pay this shh off and cancel or what? Do I have to be locked in for a year? I'm annoyed. It is a Credit One and now reading this subreddit I am realizing was not a good ide", "sort": "hot", "upvote_ratio": 0.5, "author": "Content-Anxiety-4657"}

selftext:
I was maybe 3 or 4 days late on paying $30. I thought I paid, but I did not. They made me pay $60 for some effing reason. Maybe because I turned autopay on instead of paying it directly. Rewind to two days later, I only have $14 available on a $200 credit limit.

My current balance is $125. I'm really confused. 

Should I just pay this shh off and cancel or what? Do I have to be locked in for a year? I'm annoyed. It is a Credit One and now reading this subreddit I am realizing was not a good ide


topic_name: Chase 5/24 is Still Very Much Alive
source: reddit
region: global
url: https://reddit.com/r/CreditCards/comments/1qbx08r/chase_524_is_still_very_much_alive/
collected_at: 2026-02-12T00:06:13.782060+00:00
autocomplete: []
subreddit: CreditCards
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "CreditCards", "post_id": "1qbx08r", "score": 160, "num_comments": 46, "created_utc": 1768324614.0, "selftext": "DP- I am at 5/24 but really wanted the United Card, and have seen some DPs about 5/24 being dead. I went ahead and took one for the team to test it out. I applied yesterday (1/12) and was given the Pending Review notice, so I called the recon line today (1/13). The agent told me that I was denied due to 5/24 and there is nothing they can do. So 5/24 is in fact not dead.\n\n  \nA small point I found interesting was that the agent told me if I was going below 5/24 within 30 days, after I fall below i", "sort": "top", "upvote_ratio": 0.96, "author": "Spirited-Talk-4714"}

selftext:
DP- I am at 5/24 but really wanted the United Card, and have seen some DPs about 5/24 being dead. I went ahead and took one for the team to test it out. I applied yesterday (1/12) and was given the Pending Review notice, so I called the recon line today (1/13). The agent told me that I was denied due to 5/24 and there is nothing they can do. So 5/24 is in fact not dead.

  
A small point I found interesting was that the agent told me if I was going below 5/24 within 30 days, after I fall below i


topic_name: Scrapping a vehicle abandoned on my property.
source: reddit
region: global
url: https://reddit.com/r/legaladvice/comments/1r2b21y/scrapping_a_vehicle_abandoned_on_my_property/
collected_at: 2026-02-12T00:06:18.920831+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LegalAdvice", "post_id": "1r2b21y", "score": 2, "num_comments": 0, "created_utc": 1770847234.0, "selftext": "Location: North Carolina \n I have someone in my life who parked a scrap vehicle on my property with the promise that it would be a week. Its been since August of last year. I was leniet and asked for it to be moved whever possible, but it's recently come out that he is not a person I'd like to associate with and I've asked him to move the car by a set date, this coming Monday. If he does not get the car what legal process would it be to getting an abandoned vehicle title? Is it even necessary af", "sort": "hot", "upvote_ratio": 1.0, "author": "Dumb_bitch18"}

selftext:
Location: North Carolina 
 I have someone in my life who parked a scrap vehicle on my property with the promise that it would be a week. Its been since August of last year. I was leniet and asked for it to be moved whever possible, but it's recently come out that he is not a person I'd like to associate with and I've asked him to move the car by a set date, this coming Monday. If he does not get the car what legal process would it be to getting an abandoned vehicle title? Is it even necessary af


topic_name: My husband theathened to call ICE on me if i don't answer his texts.
source: reddit
region: global
collected_at: 2026-02-12T00:06:22.356493+00:00
autocomplete: []
subreddit: LegalAdvice
reddit_subreddits: []
signal_type: question
url:
https://reddit.com/r/legaladvice/comments/1qy2wfp/my_husband_theathened_to_call_ice_on_me_if_i_dont/

metadata:
{"subreddit": "LegalAdvice", "post_id": "1qy2wfp", "score": 1563, "num_comments": 146, "created_utc": 1770434812.0, "selftext": "So my husband has been abusive for a while, but i believed it was my fault for a long time. So i moved to the US to be with him. We got married and he started slowly getting meaner and more abusive. Eventually it escalated to being physical, then after a period i thought he was getting better bc the abuse slowed down, stuff started up again. I got my citizenship last year through marriage. He at some point around february destroyed my clothes in a fit and then it escalated to a moment there he t", "sort": "top", "upvote_ratio": 0.91, "author": "Caterpillar31"}

selftext:
So my husband has been abusive for a while, but i believed it was my fault for a long time. So i moved to the US to be with him. We got married and he started slowly getting meaner and more abusive. Eventually it escalated to being physical, then after a period i thought he was getting better bc the abuse slowed down, stuff started up again. I got my citizenship last year through marriage. He at some point around february destroyed my clothes in a fit and then it escalated to a moment there he t


topic_name: LPT Request. What’s your simplest top tip for saving money monthly?
source: reddit
region: global
url: https://reddit.com/r/LifeProTips/comments/1qxn8mm/lpt_request_whats_your_simplest_top_tip_for/
collected_at: 2026-02-12T00:06:28.286009+00:00
autocomplete: []
subreddit: LifeProTips
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "LifeProTips", "post_id": "1qxn8mm", "score": 1028, "num_comments": 481, "created_utc": 1770397341.0, "selftext": "", "sort": "hot", "upvote_ratio": 0.93, "author": "_bubble-t"}


topic_name: Kirby Vacuums are my personal favorite
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1r1497r/kirby_vacuums_are_my_personal_favorite/
collected_at: 2026-02-12T00:06:36.789639+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1r1497r", "score": 89, "num_comments": 47, "created_utc": 1770738353.0, "selftext": "These vacuum are incredible in my opinion - they have excellent suction, they are ridiculously repairable, and parts are the easiest to find of anything out there. My mom bought one new 35 years ago and my sister still uses it. This one was built around 2010. They are TERRIBLE deals brand new (like $1500+ dollars) but what is so amazing about these is that you can find them on Facebook marketplace for $20-$100 all day, every day. Usually when I buy a used one, I'll get a package of bags, belts, ", "sort": "hot", "upvote_ratio": 0.91, "author": "HDePriest"}

selftext:
These vacuum are incredible in my opinion - they have excellent suction, they are ridiculously repairable, and parts are the easiest to find of anything out there. My mom bought one new 35 years ago and my sister still uses it. This one was built around 2010. They are TERRIBLE deals brand new (like $1500+ dollars) but what is so amazing about these is that you can find them on Facebook marketplace for $20-$100 all day, every day. Usually when I buy a used one, I'll get a package of bags, belts, 


topic_name: New to me Toyota Tacoma
source: reddit
region: global
url: https://reddit.com/r/BuyItForLife/comments/1qijwu4/new_to_me_toyota_tacoma/
collected_at: 2026-02-12T00:06:40.492220+00:00
autocomplete: []
subreddit: BuyItForLife
reddit_subreddits: []
signal_type: question
metadata:
{"subreddit": "BuyItForLife", "post_id": "1qijwu4", "score": 1386, "num_comments": 64, "created_utc": 1768958263.0, "selftext": "My dad is selling it to me for $1. It's been floating in our family for years. Time to get it a full tune up so it can keep running for many more years!!", "sort": "top", "upvote_ratio": 0.98, "author": "nate2188764"}

selftext:
My dad is selling it to me for $1. It's been floating in our family for years. Time to get it a full tune up so it can keep running for many more years!!


topic_name: I Spilled Liquid on my PC...now what?
source: youtube
region: US
url: https://youtube.com/watch?v=2I9Qk0sB68o
collected_at: 2026-02-12T00:04:31.072092
autocomplete: []
category: Science & Technology
reddit_subreddits: []
signal_type: video_demand
metadata:
{"video_id": "2I9Qk0sB68o", "channel": "Linus Tech Tips", "category": "Science & Technology", "category_id": 28, "views": "7818248", "view_count": 7818248, "likes": "418600", "published_at": "2026-01-27T21:35:48Z"}


