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Additional add ons/warranties I didn\u2019t expect.", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/askcarsales/comments/1r0miau/washington_help_additional_add_onswarranties_i/", "signal_type": "question" }, { "topic_name": "Women in Car Sales", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/askcarsales/comments/1qk5fo5/women_in_car_sales/", "signal_type": "question" }, { "topic_name": "Car dealership never submitted paperwork to the bank and refuses to allow us to return the car", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/legaladvice/comments/1qlrzuo/car_dealership_never_submitted_paperwork_to_the/", "signal_type": "question" }, { "topic_name": "Looking at buying a used VW id4 2022. There are a few way out of state that ship cheap, is it generally safe to ship? 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Insurance later found a police-reported accident with airbag deployment and won\u2019t insure it. Dealer is now calling the history \u201cquestionable\u201d and refusing to unwind the sale. 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what to do?", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/askcarsales/comments/1qzrbc8/lots_of_problems_with_recently_purchased/", "signal_type": "question" }, { "topic_name": "Do you think wagons are going to start creeping back into the market?", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/askcarsales/comments/1qceyd4/do_you_think_wagons_are_going_to_start_creeping/", "signal_type": "question" }, { "topic_name": "How to find who previously insured a vehicle, and other title fraud questions (california)", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/Insurance/comments/1r1hlbv/how_to_find_who_previously_insured_a_vehicle_and/", "signal_type": "question" }, { "topic_name": "Question about buying non-certified used car", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/askcarsales/comments/1qzqqmz/question_about_buying_noncertified_used_car/", "signal_type": "question" }, { "topic_name": "Loan reinstatement", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/askcarsales/comments/1qzf4ul/loan_reinstatement/", "signal_type": "question" }, { "topic_name": "Opinions on the 2026 Tacoma SR5 4WD 4DR Deal", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/askcarsales/comments/1qzmkfe/opinions_on_the_2026_tacoma_sr5_4wd_4dr_deal/", "signal_type": "question" }, { "topic_name": "Going back to dealer after walking away?", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/askcarsales/comments/1qtg9ce/going_back_to_dealer_after_walking_away/", "signal_type": "question" }, { "topic_name": "What\u2019s a typical work schedule?", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/askcarsales/comments/1qnpj28/whats_a_typical_work_schedule/", "signal_type": "question" }, { "topic_name": "SUCKERS 1999Great movie about car sales", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/askcarsales/comments/1qz2d2h/suckers_1999great_movie_about_car_sales/", "signal_type": "question" }, { "topic_name": "I need help buying a new car", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/askcarsales/comments/1qni9z2/i_need_help_buying_a_new_car/", "signal_type": "question" }, { "topic_name": "Repo Title", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/askcarsales/comments/1qzj0gp/repo_title/", "signal_type": "question" }, { "topic_name": "What makes a dealership certify a used vehicle as CPO?", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/askcarsales/comments/1qib5u7/what_makes_a_dealership_certify_a_used_vehicle_as/", "signal_type": "question" }, { "topic_name": "2022 Ram 1500 5.7L HEMI V8", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/askcarsales/comments/1qzimn8/2022_ram_1500_57l_hemi_v8/", "signal_type": "question" }, { "topic_name": "How many hours a week do you work in car sales", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/askcarsales/comments/1qgvswi/how_many_hours_a_week_do_you_work_in_car_sales/", "signal_type": "question" }, { "topic_name": "Questions about title ownership laws in Colorado", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/askcarsales/comments/1qzibyp/questions_about_title_ownership_laws_in_colorado/", "signal_type": "question" }, { "topic_name": "Flat vs gross pay plan", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/askcarsales/comments/1qd8m7u/flat_vs_gross_pay_plan/", "signal_type": "question" }, { "topic_name": "Question about Negotiating Price", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/askcarsales/comments/1qzs0zj/question_about_negotiating_price/", "signal_type": "question" }, { "topic_name": "HELP!!! Am I SOL?", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/askcarsales/comments/1qxm8ps/help_am_i_sol/", "signal_type": "question" }, { "topic_name": "Worth Hiring an Appraiser for a Lowball Total Loss Offer?", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/Insurance/comments/1qnyzue/worth_hiring_an_appraiser_for_a_lowball_total/", "signal_type": "question" }, { "topic_name": "Need advice on if I should keep my car or trade it in for a newer one", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/askcarsales/comments/1qzepfg/need_advice_on_if_i_should_keep_my_car_or_trade/", "signal_type": "question" }, { "topic_name": "Ettiquette for requesting a different salesperson?", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/askcarsales/comments/1qw0txy/ettiquette_for_requesting_a_different_salesperson/", "signal_type": "question" }, { 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good to be true?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/askcarsales/comments/1qz8tgw/cpo_feels_to_good_to_be_true/", "signal_type": "question" }, { "topic_name": "Saving up for first car, will a large down payment mean I'll have a hard time at the dealership?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/askcarsales/comments/1qfsje7/saving_up_for_first_car_will_a_large_down_payment/", "signal_type": "question" }, { "topic_name": "Should I trade my car in?", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/askcarsales/comments/1qz7ux3/should_i_trade_my_car_in/", "signal_type": "question" }, { "topic_name": "Can I make working at a car dealership a career?", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/askcarsales/comments/1qyz21k/can_i_make_working_at_a_car_dealership_a_career/", "signal_type": "question" }, { "topic_name": 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eliminate the need for a cosigner?", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/askcarsales/comments/1qmj5tn/will_a_down_payment_eliminate_the_need_for_a/", "signal_type": "question" }, { "topic_name": "At what point do you replace your old used vehicle?", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/Frugal/comments/1qus3yg/at_what_point_do_you_replace_your_old_used_vehicle/", "signal_type": "question" }, { "topic_name": "Why did the dealer just mark the car i was coming to see as \u2018Sold\u2019?", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/askcarsales/comments/1qzbly5/why_did_the_dealer_just_mark_the_car_i_was_coming/", "signal_type": "question" }, { "topic_name": "Car Gurus \"Good Deal\" rating", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/askcarsales/comments/1qjzobg/car_gurus_good_deal_rating/", "signal_type": "question" }, { "topic_name": "Used 2012 Ford Focus Jumped Title", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qyzl45/used_2012_ford_focus_jumped_title/", "signal_type": "question" }, { "topic_name": "Car downpayment", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qbmy3l/car_downpayment/", "signal_type": "question" }, { "topic_name": "What\u2019s you all\u2019s financial approach to car buying?", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qyxx35/whats_you_alls_financial_approach_to_car_buying/", "signal_type": "question" }, { "topic_name": "Customer Survey", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qyf5ke/customer_survey/", "signal_type": "question" }, { "topic_name": "Manheim title issues", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qxjb4g/manheim_title_issues/", "signal_type": "question" }, { "topic_name": "Should I finance a car and pay it off immediately so the dealer gets their finance payout and I get a deal?", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/personalfinance/comments/1qpuu1q/should_i_finance_a_car_and_pay_it_off_immediately/", "signal_type": "question" }, { "topic_name": "Illinois car dealer didn\u2019t pay off lien after trade-in \u2014 payoff check bounced NSF (Ally Financial)", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qymwqv/illinois_car_dealer_didnt_pay_off_lien_after/", "signal_type": "question" }, { "topic_name": "Will my deposit truly hold the car?", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": 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equinox, to keep or to sell?", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qyo9b4/2015_chevrolet_equinox_to_keep_or_to_sell/", "signal_type": "question" }, { "topic_name": "Used car still in prior owner\u2019s name, dealer not responsive to requests to provide sales packet (TEXAS)", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qkgcil/used_car_still_in_prior_owners_name_dealer_not/", "signal_type": "question" }, { "topic_name": "Buying off Marketplace", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qyt5s9/buying_off_marketplace/", "signal_type": "question" }, { "topic_name": "Small Town Dealer", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qkaty7/small_town_dealer/", "signal_type": "question" }, { "topic_name": "Confused about buyout options for lease", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qys4dt/confused_about_buyout_options_for_lease/", "signal_type": "question" }, { "topic_name": "Why is \u201ccleaning deals\u201d still such a mess at dealerships?", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/askcarsales/comments/1qjicpe/why_is_cleaning_deals_still_such_a_mess_at/", "signal_type": "question" }, { "topic_name": "Car sale changed from 72 months to 75", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/askcarsales/comments/1qz2oj0/car_sale_changed_from_72_months_to_75/", "signal_type": "question" }, { "topic_name": "Bought accident free cpo, after 9 months accident + owner changes appear on carfax", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/askcarsales/comments/1qeaxyf/bought_accident_free_cpo_after_9_months_accident/", "signal_type": "question" }, { "topic_name": "I currently work for a wholesaler, but I've been exploring retail opportunities as it aligns with my previous sales experience selling software.\n\nHas anyone ever went from wholesale to retail before? If so, what was your experience and would you recommend it.", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/Insurance/comments/1r1azng/i_currently_work_for_a_wholesaler_but_ive_been/", "signal_type": "question" }, { "topic_name": "Is this good?", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/askcarsales/comments/1qyr76h/is_this_good/", "signal_type": "question" }, { "topic_name": "Career Change", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/askcarsales/comments/1qdroqb/career_change/", "signal_type": "question" }, { "topic_name": "Mechanic holding car unless we sign waiver", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/legaladvice/comments/1qglxva/mechanic_holding_car_unless_we_sign_waiver/", "signal_type": "question" }, { "topic_name": "Has any customer ever walked into a dealership asking for a car not even sold in the country?", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/askcarsales/comments/1qxzo7h/has_any_customer_ever_walked_into_a_dealership/", "signal_type": "question" }, { "topic_name": "How new are \"loss control inspections?\" I've been a business owner for 20 years and this is the first time i've ever been required for this to happen.", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/Insurance/comments/1r19e7f/how_new_are_loss_control_inspections_ive_been_a/", "signal_type": "question" }, { "topic_name": "Will I have any issues registering this car and transferring title when FL DMV record says there is a stop due to toll fees?", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/askcarsales/comments/1qyq89f/will_i_have_any_issues_registering_this_car_and/", "signal_type": "question" }, { "topic_name": "What is a realistic salary for a first year car salesman?", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/askcarsales/comments/1qv0tot/what_is_a_realistic_salary_for_a_first_year_car/", "signal_type": "question" }, { "topic_name": "Car help", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/askcarsales/comments/1qyq3gi/car_help/", "signal_type": "question" }, { "topic_name": "Career advice.", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/askcarsales/comments/1qtxmil/career_advice/", "signal_type": "question" }, { "topic_name": "Selling 2022 Lexus NX 350h Executive Trime", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/askcarsales/comments/1qyplvz/selling_2022_lexus_nx_350h_executive_trime/", "signal_type": "question" }, { "topic_name": "Is this 0% APR deal actually good for a 2026 Toyota bZ XLE AWD?", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/askcarsales/comments/1qsn31e/is_this_0_apr_deal_actually_good_for_a_2026/", "signal_type": "question" }, { "topic_name": "Interstate Lemon Law VA/MD", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/legaladvice/comments/1r25tc2/interstate_lemon_law_vamd/", "signal_type": "question" } ], "reddit_posts": [ { "title": "dealer cancelled extended warranty", "subreddit": "askcarsales", "num_comments": 34, "score": 0.992, "selftext": "Bought out my lease on a jeep wrangler, purchased a 5 year 60k pre owned maximum care mopar warranty. \n\n9 months later my transmission is shot, bring it to a dealer near my home they can\u2019t find the warranty. Call Chrysler financial and they said the dealer cancelled my warranty 2 weeks after I bought it. They did this without notifying me or refunding me any money. Called the finance manager at the dealer and they are scrambling to try and make it right . They're offering a DOWC Level 4 exclusi", "url": "https://reddit.com/r/askcarsales/comments/1qlxf73/dealer_cancelled_extended_warranty/" }, { "title": "What can I expect to pay for my lease buyout and if I should?", "subreddit": "askcarsales", "num_comments": 8, "score": 0.982, "selftext": "Have a 23 trailboss. 36k miles 3 year 589 a month. \nIt currently has 42k miles and lease ends in May. I like the truck and since over miles I feel like my best option is to buy I out?\n\nMy residual is $38000. I know it's a broad question but what could I be looking at for payments of I buy this out and if you guys recommend any other options?", "url": "https://reddit.com/r/askcarsales/comments/1r28z8j/what_can_i_expect_to_pay_for_my_lease_buyout_and/" }, { "title": "Extended Warranty for New Honda Hybrid", "subreddit": "askcarsales", "num_comments": 6, "score": 0.978, "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", "url": "https://reddit.com/r/askcarsales/comments/1r24h7a/extended_warranty_for_new_honda_hybrid/" }, { "title": "California: Dealer says $3,400 in add-ons (Waypoint, B4L) are \"pre-installed\" and non-cancelable on a lease buyout. Is this legal?", "subreddit": "askcarsales", "num_comments": 43, "score": 0.9359999999999999, "selftext": "Hey everyone, looking for some advice on a lease buyout in California.\n\nI bought a 2026 Lexus RX 350h. The finance manager added $3,480 in \"protection products\" to the total:\n\n* **Waypoint GPS**\u00a0($1,595)\n* **LACG Surface Protection**\u00a0($1,290)\n* **Battery 4 Life / B4L**\u00a0($595)\n\nWhen I asked to have them removed 2 weeks after buying the car, he told me they were \"pre-installed before the car was delivered\" and are therefore non-cancelable.\n\n**The weird part:**\u00a0I checked my folder and I don't actua", "url": "https://reddit.com/r/askcarsales/comments/1r0g6bu/california_dealer_says_3400_in_addons_waypoint/" }, { "title": "Just did a Retiree Z-Plan deal at a Ford Dealership. Signed the papers, gave the down payment, Financing through Ford Motor Credit was approved, (my credit score is 807) and NOW the Finance manager calls two days later wanting me to sign new documents because they didn't charge me enough for the van", "subreddit": "askcarsales", "num_comments": 14, "score": 0.898, "selftext": "Just did a Retiree Z-Plan deal at a Ford Dealership. Signed the papers, gave the down payment, Financing through Ford Motor Credit was approved, (my credit score is 807) and NOW the Finance manager calls two days later wanting me to sign new documents because they didn't charge me enough for the van. Finance dude states he's raising my purchase price by $1,000 but he also adjusted out completely the $1,800 I paid for registration to Arizona. Tried to tell me my monthly payment is going down. It ", "url": "https://reddit.com/r/askcarsales/comments/1quhttn/just_did_a_retiree_zplan_deal_at_a_ford/" }, { "title": "Scammer on Car Sales Australia", "subreddit": "Scams", "num_comments": 7, "score": 0.862, "selftext": "How's this for a scam? He didn't even leave his name: Thanks for your response. I just have a few questions: why are you selling it? Does anything need to be replaced or repaired? I\u2019m fine with the condition as described in the advert. I\u2019m currently working on a remote mine site, and the reception here is very poor. We don\u2019t have access to a phone at the moment, which is why I contacted you via an internet messaging facility. \n \nRegarding payment, I will be paying via direct bank deposit (EFT)", "url": "https://reddit.com/r/Scams/comments/1r0yhga/scammer_on_car_sales_australia/" }, { "title": "Extended warranty advice for 2023 X3 M40i (high-mileage driver)", "subreddit": "askcarsales", "num_comments": 14, "score": 0.854, "selftext": "Looking to purchase an extended warranty for my car.\n\n**Car details:**\n\n\\- 2023 BMW X3 M40i\n\n\\- In-service: Feb 2023\n\n\\- Current mileage: \\\\\\~26k\n\n\\- Driving \\\\\\~20k miles/year\n\n\\- Planning to keep 5ish years or so\n\nFactory warranty is 4yr/50k, so I\u2019ll hit miles well before time.\n\nI\u2019m comparing these options:\n\n**1) BMW Platinum In-Service (from Feb 2023)**\n\n**- BMW of Camarillo**\n\n\\- 7 yr / 100k total (so roughly another 4 years)\n\n\\- $4,030\u2013$4,570 depending on the deductible ($0 - $250)\n\n**2) BM", "url": "https://reddit.com/r/askcarsales/comments/1qzl9fu/extended_warranty_advice_for_2023_x3_m40i/" }, { "title": "$0 Down, 618 credit score. $16K Car", "subreddit": "askcarsales", "num_comments": 11, "score": 0.808, "selftext": "Looking to buy a used Mitsubishi for $16K, \n\nCredit tanked from medical bill sold to debt collector and then they gave me a derogatory. In process of trying to make a deal with them to get it removed but they aren't responding so I want to know if I can make this happen?", "url": "https://reddit.com/r/askcarsales/comments/1qyqbxb/0_down_618_credit_score_16k_car/" }, { "title": "Heads up industry peeps! Apply for flair to make top level replies in AskCarSales.", "subreddit": "askcarsales", "num_comments": 228, "score": 1.0, "selftext": "This subreddit has grown *a lot* in the last few years. Not only professionals providing advice, but also casual bystanders wanting validation for their opinions. The problem is that the noise to signal ratio has gotten to the point where people looking for advice come away more confused than when they asked the question - or worse yet, act on unqualified bad advice. \n\nIf you are in the industry in some professional capacity, [message the mods](https://www.reddit.com/message/compose/?to=/r/askc", "url": "https://reddit.com/r/askcarsales/comments/13uzed7/heads_up_industry_peeps_apply_for_flair_to_make/" }, { "title": "the dealership asked for the car back", "subreddit": "askcarsales", "num_comments": 286, "score": 1.0, "selftext": "i recently purchased a car in colorado, i put 4500 down and was approved by a bank almost immediately. the dealership called me and said i need to bring the car back and either put 8500 MORE down in cash or give the car back, mind you i just made the payment for february. the bank had approved me before i left the lot and i signed all the paperwork the day of then drive home. i've also already gotten plates for it so i wasn't using temp tags during a trip planned within the next week. i also had", "url": "https://reddit.com/r/askcarsales/comments/1qujcuh/the_dealership_asked_for_the_car_back/" }, { "title": "Thinking Of A Career In Car Sales? Many Of Your Questions Will Be Answered By The Links Enclosed.", "subreddit": "askcarsales", "num_comments": 3, "score": 0.998, "selftext": "[Read This](https://www.reddit.com/r/askcarsales/comments/1ktqke/faqs_about_a_career_in_car_sales/)\n\n[And This](https://www.reddit.com/r/askcarsales/comments/1d4y11a/do_you_really_want_to_become_a_car_salesperson/)", "url": "https://reddit.com/r/askcarsales/comments/1oid4xx/thinking_of_a_career_in_car_sales_many_of_your/" }, { "title": "No body played games", "subreddit": "askcarsales", "num_comments": 11, "score": 0.998, "selftext": "Shoutout to this sub for teaching me, as the buyer, I need to know what I want, have my number in mind, and be ready to go. I found a truck I was interested in and called the dealer to confirm a few things about its history and condition. After that I asked for an out the door number. We were a little off and I told them where I wanted to be and that I didn\u2019t want to go back and forth and if they could get to that number I\u2019d be ready to come down and buy it. The sales person called me back in ab", "url": "https://reddit.com/r/askcarsales/comments/1qnwk2v/no_body_played_games/" }, { "title": "Honda accidentally sold my mom the wrong car", "subreddit": "askcarsales", "num_comments": 20, "score": 0.996, "selftext": "A month ago on January 1st my mom bought a Brand new Honda HRV, she traded in her 2018 Subaru forester for it , financed it through Honda and she really liked it , so fast forward to today she get a call from Honda and they said she needed to bring the car back because they made a mistake, apparently when the guy was doing paperwork he accidentally wrote down the VIN number of an identical HRV they had on the lot instead of the one she was buying, they said it would be a lot easier if she just t", "url": "https://reddit.com/r/askcarsales/comments/1r259du/honda_accidentally_sold_my_mom_the_wrong_car/" }, { "title": "How does Costco auto program work?", "subreddit": "askcarsales", "num_comments": 58, "score": 0.996, "selftext": "A couple months ago my wife and I bought a Mazda CX-50 hybrid we went to one dealership test drove and chatted numbers they would not budge what-so-ever, they handed me the invoice and showed that they would only make $1,200 on the car and are very pushy on the pre-paid maintenance. I get it we all gotta make a living and tell them this is our very first stop and we need to look at other cars and weigh our options, so I thank them for their time. \n\nThe next day I go online and fill out a Costco", "url": "https://reddit.com/r/askcarsales/comments/1qs69ty/how_does_costco_auto_program_work/" }, { "title": "2007 Toyota Prius - 355k miles, 1 fire, 5 wrecks, and 1 divorce later it\u2019s still going strong!", "subreddit": "BuyItForLife", "num_comments": 302, "score": 0.996, "selftext": "This is an update to my original BIFL post [here](https://www.reddit.com/r/BuyItForLife/comments/12s2tmw/2007_toyota_prius_330k_miles_5_wrecks_and_1/) about my car. I talked about it catching on fire [here](https://www.reddit.com/r/prius/comments/1bcafc0/my_project_lithium_battery_caught_fire_yesterday/).\n\n \nMinus the fire and the electronic brake system going out, we are still going strong since my last post!", "url": "https://reddit.com/r/BuyItForLife/comments/1qwve23/2007_toyota_prius_355k_miles_1_fire_5_wrecks_and/" }, { "title": "Car Sales The Right Career?", "subreddit": "askcarsales", "num_comments": 6, "score": 0.994, "selftext": "Hello! I am a 26 year old male living in central Florida. I currently work 2 jobs. I am a customer service team lead for an insurance agency and I work part time as a front of house for a restaurant and I work a combined 60 hours per week. I have no sales experience but over 7 years of customer service interaction. I made 63k last year with this schedule and I am okay putting in these hours, I just want much more to show for it. I have been debating going into sales. I love cars, so I figured ma", "url": "https://reddit.com/r/askcarsales/comments/1r2ctxf/car_sales_the_right_career/" }, { "title": "How long does it really take to buy a vehicle?", "subreddit": "askcarsales", "num_comments": 73, "score": 0.994, "selftext": "So, recently I bought a used 2024 F150 from a dealership. I went with the full intention of buying and I was paying cash, so -- no financing application or anything like that. Dealership didn't seem to care about cash vs financing. There was no hard sales pitches going on and the whole transaction was reasonably easy.\n\nBut when I left, I realized I spent 3+ hours at this dealership (maybe 4). What gives? In hindsight it was like they just did everything slowly.\n\nIf I walked into a dealership ", "url": "https://reddit.com/r/askcarsales/comments/1qhqgos/how_long_does_it_really_take_to_buy_a_vehicle/" }, { "title": "433,820 miles and still going", "subreddit": "BuyItForLife", "num_comments": 101, "score": 0.994, "selftext": "2000 Toyota Tacoma Prerunner. I bought her 24 years ago at 60,000 miles. Same engine.", "url": "https://reddit.com/r/BuyItForLife/comments/1r18w7m/433820_miles_and_still_going/" }, { "title": "Just curious what my options might be.", "subreddit": "askcarsales", "num_comments": 28, "score": 0.992, "selftext": "I went to buy a new car I was planning on shopping around. I was about to pull into the Nissan lot when the salesmen from Hyundai called and asked me to come. I believe in fate so went in to Test drive the car I wanted. I asked the price during the ride and he said 22k. Then as we were nearing the dealership he said what if he made me an offer I couldn\u2019t refuse would I stick around and buy the car\n\nI said ok\n\nHe offered me the car for 21500 dollars. I really liked the car and agreed. Signed th", "url": "https://reddit.com/r/askcarsales/comments/1r29j2n/just_curious_what_my_options_might_be/" }, { "title": "Toyota Corolla, did I get a good deal?", "subreddit": "askcarsales", "num_comments": 3, "score": 0.99, "selftext": "I bought my first car today! I was driving a 2009 Toyota Camry but it had a ton of issues (Bad catalytic convertor, rotted exhaust system, parking brake was disintegrated, broken water pump). Being in NY state the cost to fix it (Carb Compliant Cataytic Convertor) was way more then the car was worth, plus It was my parents old car and I wanted one of my own!\n\nIt is a 2023 Toyota Corolla LE. I paid 20,000 for it. 16K miles and one owner. Clean Carfax record. What do y'all think? I don't know a lo", "url": "https://reddit.com/r/askcarsales/comments/1r2ds6s/toyota_corolla_did_i_get_a_good_deal/" }, { "title": "Rate my pay plan?", "subreddit": "askcarsales", "num_comments": 9, "score": 0.988, "selftext": "Volume dealership, CSI = Customer survey responses to text messages, OnStar is for Onstar Enrollments, 10-12 salespeople, 0 commission other than what is listed, average 250-300 cars per month split (very unevenly) between 3 dealerships which share an inventory. with my dealership accounting for 80-90%% of monthly figures. New and used cars. \n\nSecond month on the job, 9.5 cars my first month, missing two weeks due to onboarding, at 7.5 for the month of February. 0.5 denotes a split deal. \n\n[Thou", "url": "https://reddit.com/r/askcarsales/comments/1r26fxp/rate_my_pay_plan/" }, { "title": "If you\u2019re a car salesman, please answer. Desperately need help!", "subreddit": "askcarsales", "num_comments": 67, "score": 0.988, "selftext": "**Summary**:\n\nBoyfriend works approximately six days a week, 12 hours a day at a car dealership. No base pay. He makes commission at only $150 per car. His paycheck is slightly above the national minimum wage (covers rent and that\u2019s pretty much it). Toxic work environment. Will it get better? Or do I push harder and encourage him to find another path. Help!\n\n\u2014\u2014\u2014\u2014\u2014\n\nHello! I never post on Reddit, but I\u2019m really upset by my partner\u2019s job as a car salesman and I need advice. I don\u2019t know much about", "url": "https://reddit.com/r/askcarsales/comments/1qp5q71/if_youre_a_car_salesman_please_answer_desperately/" }, { "title": "2021 Cayenne S purchase price question", "subreddit": "askcarsales", "num_comments": 11, "score": 0.986, "selftext": "Hello all,\n\nLooking for advice on a CPO 2021 Cayenne S located in South FL, black with full black leather interior. 20,000ish on the odometer.\n\nI test drove it and everything looks/feels great. Dealer has had it in inventory since November. Clean CarFax, 1 owner.\n\n\\- 2 tires are new but the other 2 tires as well as brake pads and rotors are original.\n\n\\- 2 year CPO warranty (factory is expired). \n\n\\- Dealer has it listed for $67,900 and they\u2019re offering $2,000 off sticker. No other concessions o", "url": "https://reddit.com/r/askcarsales/comments/1r2638i/2021_cayenne_s_purchase_price_question/" }, { "title": "What\u2019s a huge myth about car buying or car salespeople?", "subreddit": "askcarsales", "num_comments": 159, "score": 0.986, "selftext": "There are a lot of misconceptions / un-informed ideas about buying cars and working with salespeople.\n\nWhat\u2019s one myth you hear that just isn\u2019t true? Could be about pricing, negotiations, trade-ins, financing, or the sales process in general.\n\nCurious what people inside and outside the industry think.\n\n", "url": "https://reddit.com/r/askcarsales/comments/1qpdavu/whats_a_huge_myth_about_car_buying_or_car/" }, { "title": "Where are my Kia people? Questions about 2026 Sorento", "subreddit": "askcarsales", "num_comments": 10, "score": 0.984, "selftext": "I\u2019m interested in the EX, AWD. I would prefer hybrid with a panoramic roof and captains chairs in the second row, but not a dealbreaker. Hoping to get OTD for right around $40K. Seeing a lot of dealers in my area listing them between $2000-$4000 below MSRP, depending on options.\n\nAre you guys seeing any common issues with them?\n\nHow much below MSRP are you seeing them go for?\n\nAre they in high demand or been on the lot for a while?\n\nAny other tips or things I should know specific to Kia or the S", "url": "https://reddit.com/r/askcarsales/comments/1r24449/where_are_my_kia_people_questions_about_2026/" }, { "title": "My trade-in broke down driving back to the dealership. Am I on the hook?", "subreddit": "askcarsales", "num_comments": 54, "score": 0.984, "selftext": "I just bought a used car and traded in a car as part of the deal.\n\nThe salesman drove the car I was purchasing to my house, we signed the paperwork in my kitchen, then he drove my trade-in back to the dealership.\n\nHe called me about 30 minutes after leaving saying the oil pressure light came on, the check engine light came on, and broke down on the side of the road.\n\nHe called asking if this was something I had experienced before and I answered honestly, no. The only issue this car has had was o", "url": "https://reddit.com/r/askcarsales/comments/1qrnyoo/my_tradein_broke_down_driving_back_to_the/" }, { "title": "Car dealership voided payment and wants cashiers check", "subreddit": "askcarsales", "num_comments": 57, "score": 0.982, "selftext": "I bought a car on Saturday with my debit card, paperwork signed, payment went through, etc. Before I even drove off the lot I got a call from the finance guy saying that they weren't supposed to take a payment over $5,000 and said they were going to void the payment. He showed proof on Monday that they voided the payment but the money has not gone back into my account. I called my bank and they said it would take 10 business days to show back up and now the dealership wants me to come in to sign", "url": "https://reddit.com/r/askcarsales/comments/1qj1jhq/car_dealership_voided_payment_and_wants_cashiers/" }, { "title": "Charge back for auto repair", "subreddit": "CreditCards", "num_comments": 12, "score": 0.982, "selftext": "Looking for advice or similar experiences with chargebacks against a dealership.\n\nTimeline:\n\n\u2022 Bought a car in November from private seller\n\n\u2022 Shortly after purchase, I took it to a major dealership for a full inspection\n\n\u2022 Dealership told me the car needed a timing belt replacement\n\n\u2022 I approved the repair and paid with a credit card\n\nAfter the timing belt job, I took the car on a road trip. During that trip, it developed a massive valve cover oil leak.\n\nI brought the car back to the same deale", "url": "https://reddit.com/r/CreditCards/comments/1r24lyz/charge_back_for_auto_repair/" }, { "title": "Is this suspicious?", "subreddit": "askcarsales", "num_comments": 5, "score": 0.98, "selftext": "Alright guys, here\u2019s the deal. Looking for a leftover 25 frontier. I found 3 identical frontiers listed at a Honda dealer but when I went to see them they were at their multi brand pre owned lot. They all have like 15 miles on them. 2 of the trucks seem like great deals, the other is priced higher for some reason (same options, trim, color, everything). They\u2019ve been on this lot for about a year. When I asked how a Honda dealer ended up with 3 new Nissans the guy said something vague about buying", "url": "https://reddit.com/r/askcarsales/comments/1r26ajf/is_this_suspicious/" }, { "title": "Dealership says I need to wait to use warranty for vehicle I just purchased", "subreddit": "askcarsales", "num_comments": 47, "score": 0.98, "selftext": "Purchased a used vehicle (cash) from a ford dealer in Oregon over the weekend. We purchased with an ally warranty. Immediately noticed issues with the transmission. Took it to a different, local ford dealer this week and they've told me I need a new transmission. Called the original Ford I purchased from and they've told me they will not accept a return of the vehicle and that I have to wait 30 days to submit a claim for my warranty. Why would I need to wait to submit a claim? What would you do?", "url": "https://reddit.com/r/askcarsales/comments/1qqywwj/dealership_says_i_need_to_wait_to_use_warranty/" }, { "title": "What do buyers do during negotiations that actually makes things harder for themselves?", "subreddit": "askcarsales", "num_comments": 133, "score": 0.978, "selftext": "Any behaviors you\u2019ve noticed that consistently slow deals down or reduce leverage?", "url": "https://reddit.com/r/askcarsales/comments/1qbsffa/what_do_buyers_do_during_negotiations_that/" }, { "title": "[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?", "subreddit": "Insurance", "num_comments": 19, "score": 0.978, "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", "url": "https://reddit.com/r/Insurance/comments/1qzhmg2/oregon_sold_car_a_month_ago_got_a_letter_from_an/" }, { "title": "Any recourse on permaplate warranty sold by misrepresentation, may not even be applied?", "subreddit": "askcarsales", "num_comments": 19, "score": 0.976, "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", "url": "https://reddit.com/r/askcarsales/comments/1r22ozp/any_recourse_on_permaplate_warranty_sold_by/" }, { "title": "Has This month been horrible for everyone else?", "subreddit": "askcarsales", "num_comments": 57, "score": 0.976, "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", "url": "https://reddit.com/r/askcarsales/comments/1qo0iz4/has_this_month_been_horrible_for_everyone_else/" }, { "title": "Need advice on loan.", "subreddit": "askcarsales", "num_comments": 4, "score": 0.974, "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", "url": "https://reddit.com/r/askcarsales/comments/1r1mx9l/need_advice_on_loan/" }, { "title": "How do dealerships deal with blizzards?", "subreddit": "askcarsales", "num_comments": 85, "score": 0.974, "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?", "url": "https://reddit.com/r/askcarsales/comments/1qjct2e/how_do_dealerships_deal_with_blizzards/" }, { "title": "Does price seem reasonable for BMW M440 Gran Coupe?", "subreddit": "askcarsales", "num_comments": 4, "score": 0.972, "selftext": "https://www.carmax.com/car/28106493", "url": "https://reddit.com/r/askcarsales/comments/1r1z0o0/does_price_seem_reasonable_for_bmw_m440_gran_coupe/" }, { "title": "Dealership skimmed commissions for years", "subreddit": "askcarsales", "num_comments": 29, "score": 0.972, "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 ", "url": "https://reddit.com/r/askcarsales/comments/1qv3ivh/dealership_skimmed_commissions_for_years/" }, { "title": "Been on the lot for 95 days", "subreddit": "askcarsales", "num_comments": 64, "score": 0.97, "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?", "url": "https://reddit.com/r/askcarsales/comments/1r1flpv/been_on_the_lot_for_95_days/" }, { "title": "But muh OEM want to sell direct!?", "subreddit": "askcarsales", "num_comments": 38, "score": 0.97, "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", "url": "https://reddit.com/r/askcarsales/comments/1qqj49a/but_muh_oem_want_to_sell_direct/" }, { "title": "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?", "subreddit": "askcarsales", "num_comments": 11, "score": 0.968, "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", "url": "https://reddit.com/r/askcarsales/comments/1r1uyny/its_been_1_month_since_ive_bought_my_car_and_the/" }, { "title": "Is car sales really like this?", "subreddit": "askcarsales", "num_comments": 48, "score": 0.968, "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", "url": "https://reddit.com/r/askcarsales/comments/1qrqfti/is_car_sales_really_like_this/" }, { "title": "What steps should I take to ensure I understand the total cost of a lease before signing?", "subreddit": "askcarsales", "num_comments": 6, "score": 0.966, "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!", "url": "https://reddit.com/r/askcarsales/comments/1r1rrsh/what_steps_should_i_take_to_ensure_i_understand/" }, { "title": "Ok salespeople. What's your fatal sign? The one that says no deal.", "subreddit": "askcarsales", "num_comments": 102, "score": 0.966, "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 ", "url": "https://reddit.com/r/askcarsales/comments/1qhpfp6/ok_salespeople_whats_your_fatal_sign_the_one_that/" }, { "title": "[CA] Selling a gpu, is etransfer fine", "subreddit": "Scams", "num_comments": 31, "score": 0.966, "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?", "url": "https://reddit.com/r/Scams/comments/1r22ze1/ca_selling_a_gpu_is_etransfer_fine/" }, { "title": "Overtime hours and work week", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.966, "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", "url": "https://reddit.com/r/legaladvice/comments/1r2dcte/overtime_hours_and_work_week/" }, { "title": "Ordered Car being delivered while on vacation", "subreddit": "askcarsales", "num_comments": 8, "score": 0.964, "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", "url": "https://reddit.com/r/askcarsales/comments/1r1qt6g/ordered_car_being_delivered_while_on_vacation/" }, { "title": "What's a car advice that's outdated now as of 2026", "subreddit": "askcarsales", "num_comments": 53, "score": 0.964, "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.", "url": "https://reddit.com/r/askcarsales/comments/1qq8chl/whats_a_car_advice_thats_outdated_now_as_of_2026/" }, { "title": "Overpriced lease renewals vs. new customers.", "subreddit": "povertyfinance", "num_comments": 15, "score": 0.964, "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", "url": "https://reddit.com/r/povertyfinance/comments/1r1i5ry/overpriced_lease_renewals_vs_new_customers/" }, { "title": "please convince me out of (or into) buying a 2021 miata without test driving it", "subreddit": "askcarsales", "num_comments": 5, "score": 0.962, "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", "url": "https://reddit.com/r/askcarsales/comments/1r1pcxm/please_convince_me_out_of_or_into_buying_a_2021/" }, { "title": "What am I doing wrong?", "subreddit": "askcarsales", "num_comments": 29, "score": 0.962, "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", "url": "https://reddit.com/r/askcarsales/comments/1qgepli/what_am_i_doing_wrong/" }, { "title": "Looking to buy a Chevy Colorado", "subreddit": "askcarsales", "num_comments": 2, "score": 0.96, "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 ", "url": "https://reddit.com/r/askcarsales/comments/1r1oewz/looking_to_buy_a_chevy_colorado/" }, { "title": "Toy car with possible frame damage", "subreddit": "askcarsales", "num_comments": 13, "score": 0.958, "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", "url": "https://reddit.com/r/askcarsales/comments/1r1a14f/toy_car_with_possible_frame_damage/" }, { "title": "Do I bring my new car back to sales, or?", "subreddit": "askcarsales", "num_comments": 34, "score": 0.958, "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 ", "url": "https://reddit.com/r/askcarsales/comments/1qx9gud/do_i_bring_my_new_car_back_to_sales_or/" }, { "title": "VIN not found on KBB or Edmunds", "subreddit": "askcarsales", "num_comments": 8, "score": 0.956, "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.", "url": "https://reddit.com/r/askcarsales/comments/1r1koc5/vin_not_found_on_kbb_or_edmunds/" }, { "title": "Hostility from manager prior to closing: what went wrong?", "subreddit": "askcarsales", "num_comments": 36, "score": 0.956, "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", "url": "https://reddit.com/r/askcarsales/comments/1qxxx9r/hostility_from_manager_prior_to_closing_what_went/" }, { "title": "Quoted $150 to fix my phone screen. Couldn\u2019t afford it so I did it myself", "subreddit": "povertyfinance", "num_comments": 158, "score": 0.956, "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", "url": "https://reddit.com/r/povertyfinance/comments/1qid518/quoted_150_to_fix_my_phone_screen_couldnt_afford/" }, { "title": "Sold a car, now i\u2019m on the hook for $6,000+ bill", "subreddit": "LegalAdvice", "num_comments": 309, "score": 0.956, "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", "url": "https://reddit.com/r/legaladvice/comments/1qhmbro/sold_a_car_now_im_on_the_hook_for_6000_bill/" }, { "title": "PA dealership: Out of state title registration and tag fees", "subreddit": "askcarsales", "num_comments": 5, "score": 0.954, "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?", "url": "https://reddit.com/r/askcarsales/comments/1r1jrhz/pa_dealership_out_of_state_title_registration_and/" }, { "title": "Haven\u2019t signed papers but dealer is saying flat cancel?", "subreddit": "askcarsales", "num_comments": 49, "score": 0.954, "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", "url": "https://reddit.com/r/askcarsales/comments/1qf0izb/havent_signed_papers_but_dealer_is_saying_flat/" }, { "title": "New to me Toyota Tacoma", "subreddit": "BuyItForLife", "num_comments": 64, "score": 0.954, "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!!", "url": "https://reddit.com/r/BuyItForLife/comments/1qijwu4/new_to_me_toyota_tacoma/" }, { "title": "Price on a 2024 Outback Wilderness", "subreddit": "askcarsales", "num_comments": 4, "score": 0.952, "selftext": "Location: NC\n\nI was hoping to get a fair \u201creal\u201d OTD price range for a 2024 Outback Wilderness, specifically good condition, 50k miles or less\n\nI was having some trouble searching and finding wilderness trims and figuring out the full OTD price\n\nWas hoping someone here might have some recent sales data or maybe recently sold one and could share the approximate OTD price even if it\u2019s just a rough estimate \n\nTrying to both replace my totaled car and be prepared for dealing with the insurance of the", "url": "https://reddit.com/r/askcarsales/comments/1r1dkuq/price_on_a_2024_outback_wilderness/" }, { "title": "Can they keep my down payment", "subreddit": "askcarsales", "num_comments": 19, "score": 0.952, "selftext": "So I purchased a used car in Indiana near Hammond, $2,700 everything seemingly went smoothly bank approved a huge apr rate, I signed off and got the car. I drove the car home , received a welcome call from the finance bank, not 10 minutes later. The lot calls me back says they cannot finance that vehicle because it has accident history. The lot claims they can put me in better car and to bring the car I got yesterday back this morning. \n\nThat rubbed me the wrong way and now I don\u2019t wanna did any", "url": "https://reddit.com/r/askcarsales/comments/1qwij74/can_they_keep_my_down_payment/" }, { "title": "why is insurance more expensive for my beater honda than my almost brand new sports car?", "subreddit": "Insurance", "num_comments": 5, "score": 0.952, "selftext": "so i bought a beater honda to daily drive and make my sports car a weekend driver. i have a 2023 supra. that car i pay $1797/6 months. I looked into adding my new purchase, a 2014 honda civic with 130k miles, and it bumped the premium to around $3070/6 months. what confuses me is the breakdown of the premium. the 6 month premium on the supra is 1400/6 months whereas the honda civic is 1600/6 months. why is that? i am the riskiest demographic to insure sports cars to (young male, single, one tick", "url": "https://reddit.com/r/Insurance/comments/1r26zs0/why_is_insurance_more_expensive_for_my_beater/" }, { "title": "Dealership advertised my trade-in but hasn\u2019t paid my equity \u2014 is this normal / legal? (Utah)", "subreddit": "askcarsales", "num_comments": 9, "score": 0.95, "selftext": "Looking for advice on whether this is normal or if I should be escalating.\n\nI\u2019m in **Utah**. I traded in my truck to a dealership about **2 weeks ago**. \nDetails:\n\n* Trade-in value: **$25,000**\n* Lien payoff: **$14,811**\n* Equity owed to me: **\\~$10,189**\n* Clean title\n* Same dealership transaction\n\nI also purchased a vehicle from the same dealership with **$0 down**, specifically because I was told my trade-in equity would be paid out within **3 days**.\n\nSince then:\n\n* The **lien has been paid", "url": "https://reddit.com/r/askcarsales/comments/1r1fihy/dealership_advertised_my_tradein_but_hasnt_paid/" }, { "title": "Powersports dealer price match drama", "subreddit": "askcarsales", "num_comments": 66, "score": 0.95, "selftext": "Hey guys,\n\nI\u2019ve bought about 6 bikes in my lifetime (the past two years i\u2019ve been riding). Typically, I search for the best price on dealer websites across the nation and try to get someone local to match it. I live in Tennessee.\n\nSometimes I find OTD prices below invoice, for example I tried to purchase a GSXR new today at my local dealer after being told they\u2019d price match a dealer in a state nearby. I spent 3 hours in my local dealers showroom waiting for a breakdown from out of state so my l", "url": "https://reddit.com/r/askcarsales/comments/1qswxh6/powersports_dealer_price_match_drama/" }, { "title": "Title Questions", "subreddit": "askcarsales", "num_comments": 3, "score": 0.948, "selftext": "I live in NH and I\u2019m trying to sell my car private sale to someone in CT. I have a lien on the car from Bank of America for 26k. Let say I have the buyer pay off the loan at a branch and then BoA send me the title and the lien payoff in the mail a week later. Can I just sign that title directly over to the buyer? I keep seeing conflicting information about needing to take it to the DMV to get a clean title before signing it over to a buyer. I cannot find a clear answer anywhere. Even BoA and my ", "url": "https://reddit.com/r/askcarsales/comments/1r12j7f/title_questions/" }, { "title": "So are internet sales people fake?", "subreddit": "askcarsales", "num_comments": 55, "score": 0.948, "selftext": "I've been in 3 dealerships today And not once has the person I've scheduled with been available, it's always someone else.", "url": "https://reddit.com/r/askcarsales/comments/1qhgztc/so_are_internet_sales_people_fake/" }, { "title": "Sales Commission Question: Initial Contact vs. In-Person Salesperson", "subreddit": "askcarsales", "num_comments": 4, "score": 0.946, "selftext": "If you call a dealership and request information about a car lease, then come in on a later date that and the original person you spoke with isn\u2019t there nor mentioned but another salesperson helps you, does the original person who provided the initial information still receive commission? Do salespeople see that as a slight? ", "url": "https://reddit.com/r/askcarsales/comments/1r1ehns/sales_commission_question_initial_contact_vs/" }, { "title": "Help", "subreddit": "askcarsales", "num_comments": 62, "score": 0.944, "selftext": "This is my first time on the lot. (Many Lessons Learned.) I purchased a used 2023 Nissan Rogue (98,649 miles) zero down as-is on 01/31/2026 at Hudson Nissan. Upon purchase, I was notified by the dealer that it had an open recall (R25D1) (NHTSA 25V-437). Literally after 5 days after purchase, the vehicle engine failed on the highway almost causing a wreck with my 6yr old step child in the vehicle as well. I was stranded for hours on the side of the road and had to pay for a tow truck back to the ", "url": "https://reddit.com/r/askcarsales/comments/1r0qi5o/help/" }, { "title": "2001 Isuzu NPR-HD truck with original engine in California. What will it cost me to get it registered?", "subreddit": "askcarsales", "num_comments": 12, "score": 0.942, "selftext": "Like the title says, I have a 2001 Isuzu NPR-HD that hasn't been registered since 2009 (currently non-op status). It's been sitting in my shop for quite a long time. I I purchased it around 2012 for dirt cheap. The issue is with the new California law I cannot register or sell the vehicle due to it being a \"heavy duty diesel\" that has an engine that's older than 2010 and weighs over 14.000 lbs. Has anyone on here had to deal with this issue with something in their inventory? I am curious what it", "url": "https://reddit.com/r/askcarsales/comments/1r1c23o/2001_isuzu_nprhd_truck_with_original_engine_in/" }, { "title": "Can I get financed when I don't live in NH?", "subreddit": "askcarsales", "num_comments": 10, "score": 0.94, "selftext": "Hello! I recently got stuck in NH, a car hit me on 93 N and totaled my car. I've recently been travelling around a lot due to family emergencies in both FL and NH and don't have any more money to buy a car outright, but I have never financed a car either. \n\nCan I get financed or a loan for a car when I don't live in this state? My banks not up here either. ", "url": "https://reddit.com/r/askcarsales/comments/1r1a492/can_i_get_financed_when_i_dont_live_in_nh/" }, { "title": "Transitioning from Car Salesman to Banking", "subreddit": "askcarsales", "num_comments": 25, "score": 0.94, "selftext": "Just recieved a verbal offer for an entry level role from BofA; the academy is a month out. Lots of growth to be made there and it\u2019s serves work life balance really well.\n\nMade good money in car sales but I don\u2019t think it\u2019s worth it due to toxic culture, always on survival mode, and customers & managers can be a nightmare to work with.\n\nI feel like this will be the healthiest decision for me in the long run. Has anyone else made a transition out of car sales and how\u2019d it go?", "url": "https://reddit.com/r/askcarsales/comments/1qqs9ib/transitioning_from_car_salesman_to_banking/" }, { "title": "Will prior mechanical fixes hurt my trade in value?", "subreddit": "askcarsales", "num_comments": 3, "score": 0.938, "selftext": "I am looking to trade in my 2022 sierra. I have had a new transmission put in as well as new camshaft and rocker arms. When a dealership sees this on KBB, will they decrease the trade in price a lot? Other than this, the truck is in great condition right now. Although I have 2 chips in the windshield that were patched ", "url": "https://reddit.com/r/askcarsales/comments/1r18kr9/will_prior_mechanical_fixes_hurt_my_trade_in_value/" }, { "title": "We don\u2019t know what we want yet, but when sales people find that out they walk away. Should I just lie?", "subreddit": "askcarsales", "num_comments": 163, "score": 0.938, "selftext": "As stated in the title we are not yet sure what car we want to buy. We like the Toyota brand but we aren\u2019t married to it. \n\nToday we went out to go look at these cars. Sit in them and see what the leg room is like.\n\nTwo different sales people helped us. First one was showing us the car and wife did not like leg room in the rear. We were critical of a few things we did not like about the car. Of the three models we wanted to look at they only had one. \n\nThen he just\u2026 walked away. We weren\u2019t sure ", "url": "https://reddit.com/r/askcarsales/comments/1qfwkiu/we_dont_know_what_we_want_yet_but_when_sales/" }, { "title": "Botched sale. What would you do?", "subreddit": "askcarsales", "num_comments": 25, "score": 0.9359999999999999, "selftext": "We leased two GMC Terrains from a dealer, back to back. We were well over miles on the first lease, but the dealer took the vehicle in for no cost to us (overage fees) when we leased the second one. We were over on the second lease as well and were just going to buy it at lease end to avoid the overage fees, but thought we'd check with the same dealer to see if there was a deal to be had if we bought a different car from them. The sales agent we worked with, who was the same for the last two lea", "url": "https://reddit.com/r/askcarsales/comments/1quyeiq/botched_sale_what_would_you_do/" }, { "title": "How accurate is Edmunds Suggested Price?", "subreddit": "askcarsales", "num_comments": 6, "score": 0.9339999999999999, "selftext": "I\u2019ve been noticing that the Edmunds suggested price is always lower than the dealership prices listed on the edmunds search. How accurate is that price? Can it be used as a target for negotiating with dealerships? Is it more/leas accurate for new vs used or same? Curious to hear thoughts on this from both buyers and sellers!", "url": "https://reddit.com/r/askcarsales/comments/1r16bnc/how_accurate_is_edmunds_suggested_price/" }, { "title": "OTD price text / email", "subreddit": "askcarsales", "num_comments": 69, "score": 0.9339999999999999, "selftext": "Just bought a car for myself from a dealership. I inquired and asked OtD numbers. They sent it, I agreed, drove in an bought.\n\nMy wife is shopper too, we inquired at a different dealership and asked for OTD numbers. They said not over the phone and ghosted us. \n\nWhat gives? How to know if we want to buy if we don\u2019t know the numbers? Scared of hidden fees and a drawn out negotiation.\n\nAdvice?", "url": "https://reddit.com/r/askcarsales/comments/1qo372k/otd_price_text_email/" }, { "title": "NC learners permit is expired, can I get an ID in AL without the number?", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.9339999999999999, "selftext": "Location: Alabama and North Carolina. \n\nLong story short I don\u2019t have access to my expired permit and don\u2019t know the number associated with said permit. I\u2019ve moved states from North Carolina and now live in Alabama. I have my birth certificate and social security card as well as a medical record from a flu shot received in AL and a government letter addressed to my current residence in AL. Would they need my permit number to transfer it so I can get an ID or since it\u2019s expired will I be able to ", "url": "https://reddit.com/r/legaladvice/comments/1r2dnf4/nc_learners_permit_is_expired_can_i_get_an_id_in/" }, { "title": "Petty Politics between salesman", "subreddit": "askcarsales", "num_comments": 33, "score": 0.9319999999999999, "selftext": "so I just started working at a nissan dealership a few weeks ago. does anyone else have a problem with the other salespeople getting upset you are \"stealing\" their repeat customers? I was handed a list of potential leads and 90% of them were previously sold by 2 of the other salesman that have been here the longest. I got an appointment with two and now do I have to just hand them over to keep my coworkers happy? my managers dont care, but im getting frustrated... ", "url": "https://reddit.com/r/askcarsales/comments/1qort6e/petty_politics_between_salesman/" }, { "title": "Why would a dealership schedule an appointment for an hour after reaching a price agreement only to be told it was sold the day before when I got there?", "subreddit": "askcarsales", "num_comments": 35, "score": 0.9299999999999999, "selftext": "I know I should have gone in sooner in the week, but decided to finally go today, agree on a price through text, and then told them I'd be there within 1.5 hours, they schedule an appointment for that time frame, show up and the guy that greeted me made a couple of phone calls, then told me it was sold the day before.\n\nI don't get why they scheduled an appointment in the first place then!!\n\nMaybe the salesman was annoyed that I didn't answer all the calls during the mornings throughout the week", "url": "https://reddit.com/r/askcarsales/comments/1qf1rua/why_would_a_dealership_schedule_an_appointment/" }, { "title": "Do I actually need to haggle?", "subreddit": "askcarsales", "num_comments": 27, "score": 0.928, "selftext": "I keep hearing from people that it\u2019s expected for me to haggle at a used car dealership and it\u2019s idiotic for me to go in with one offer. \n\nPersonally I\u2019d rather do a bad deal and get what I want if it\u2019s the easier option. ", "url": "https://reddit.com/r/askcarsales/comments/1r0mdbh/do_i_actually_need_to_haggle/" }, { "title": "Bought a new car last year and never went back to the dealer for service. Is that normal?", "subreddit": "askcarsales", "num_comments": 11, "score": 0.926, "selftext": "Hey all. I bought a new car about a year ago from a local dealer. Sales process was fine, nothing crazy good or bad. At the time I assumed I would just keep going back there for service since that is what I had always heard you are supposed to do.\n\nFirst oil change I went to a shop closer to my house because it was faster. Then I just kept going there. Now I have done oil changes, brakes, and a couple other things and I have never actually gone back to the dealer I bought the car from.\n\nI\u2019ve got", "url": "https://reddit.com/r/askcarsales/comments/1r1eevd/bought_a_new_car_last_year_and_never_went_back_to/" }, { "title": "What appraisal/valuation tools are you using?", "subreddit": "askcarsales", "num_comments": 7, "score": 0.926, "selftext": "Just opened a new shop and getting sticker shock on software costs. Old place used Carfax for valuations but I'm getting quoted around $30k/year for our volume. What's everyone else running for appraisals? Looking for something accurate that won't break the bank. Independent lot if that matters.", "url": "https://reddit.com/r/askcarsales/comments/1qtehkp/what_appraisalvaluation_tools_are_you_using/" }, { "title": "Placeholder Deposit", "subreddit": "askcarsales", "num_comments": 10, "score": 0.924, "selftext": "Hi all,\n\nIn November 2025, I placed a deposit for a 2026 Toyota RAV4 prior to its official Canadian launch, at which time pricing information was not yet available.\n\nI am now considering the purchase of a Toyota bZ from a different dealership and am therefore requesting the return of my deposit.\n\nAlthough I signed a bill of sale, it contained no vehicle details and listed the purchase as an unlisted item, with no VIN, pricing, or specific vehicle information provided.\n\nI didn\u2019t talk the salesper", "url": "https://reddit.com/r/askcarsales/comments/1r120vs/placeholder_deposit/" }, { "title": "Do customers have to ask for the giant bow for pictures?", "subreddit": "askcarsales", "num_comments": 27, "score": 0.924, "selftext": "Exactly as the title says. \n\nI\u2019ve bought 4 new cars myself, I\u2019ve helped my sister and a few friends (they have crippling social anxiety and nearly vomit just at the idea of talking to someone they don\u2019t know) with probably around a dozen new car sales. \n\nAnd I\u2019m just here like \u201cI see these giant bows on cars at dealerships and when people post pictures of themselves with their brand new car before driving it off the lot, but none of my friends/family or myself have ever had them put a bow, why?\u201d", "url": "https://reddit.com/r/askcarsales/comments/1qwxxi8/do_customers_have_to_ask_for_the_giant_bow_for/" }, { "title": "I want thoughts on when is a good time to replace a car", "subreddit": "Frugal", "num_comments": 119, "score": 0.924, "selftext": "I have a 2018 Mazda that has 90k miles. It was my first new car out if college and has helped us in 3 moves across the US. Value is around 7k. Maintenance is reaching 4k between leaky struts, spark plugs, rusty parts that are cracking, windshield fluid sensor that is broken, and just general fluids that need changing. I have never had to replace a car out of old age so I am not sure when is a good time to call it or keep paying maintenance. Last car we had to replace was because an arsonist burn", "url": "https://reddit.com/r/Frugal/comments/1qyr5mr/i_want_thoughts_on_when_is_a_good_time_to_replace/" }, { "title": "TN - Police report says my car was in an accident a year ago. I've owned it since new. Officer admitted they never verified the VIN. How do I fix this?", "subreddit": "LegalAdvice", "num_comments": 35, "score": 0.924, "selftext": "Location: Tennessee\n\nI bought a 2023 SUV brand new in May 2023 and have been the sole owner. It has never been in an accident.\n\nI went to trade it in last week, and the deal fell apart because the Carfax shows a \"Severe Accident\" with \"Airbag Deployment\" from February 2025 in a city about 5 hours away from me.\n\nI pulled the police report from that city. It lists my exact VIN and license plate, but the owner and driver is listed as a complete stranger who I don\u2019t know. The insurance policy listed", "url": "https://reddit.com/r/legaladvice/comments/1qnyybh/tn_police_report_says_my_car_was_in_an_accident_a/" }, { "title": "Ready to Pull the Trigger", "subreddit": "askcarsales", "num_comments": 5, "score": 0.922, "selftext": "My wife and I went to look at an Ioniq 5 yesterday. She loves the limited. We're ready to buy but I want to make sure we're getting a fair deal. I checked TrueCar and the best they came up with was a $2500 dealer discount. But this does not include the $6k cash incentive. My plan is to ask for both. Any other suggestions? Thanks in advance!", "url": "https://reddit.com/r/askcarsales/comments/1r11vzk/ready_to_pull_the_trigger/" }, { "title": "Dealership promised to replace my BMW after 70 days out of service, now claims \u201cno issue found.\u201d What\u2019s going on?", "subreddit": "askcarsales", "num_comments": 9, "score": 0.922, "selftext": "I\u2019m in Florida and I\u2019d like perspective from people who work in dealerships or understand how management actually handles replacement approvals.\n\nBrand-new 2026 BMW 228. Two weeks after delivery, the entire dash/iDrive went black while driving, then I had repeated system issues: pairing failures, profiles deleting, resets, etc.\n\nBMW has had my car since October 31st \u2014 over 70 straight days.\n\nOn November 5th, the General Manager told me directly in his office:\n\n\u201cWe will collateral damage it out a", "url": "https://reddit.com/r/askcarsales/comments/1qcb9c0/dealership_promised_to_replace_my_bmw_after_70/" }, { "title": "CarShop", "subreddit": "askcarsales", "num_comments": 3, "score": 0.92, "selftext": "I recently got a job offer at CarShop as a salesman. I am new to the industry. Does anybody have any experience selling cars with them? I was offered $20,000 base pay, with Unit Bonuses, CSI bonuses and aftermarket bonuses. They advertise $50-80k salary on indeed. Is this a realistic salary? ", "url": "https://reddit.com/r/askcarsales/comments/1r11aic/carshop/" }, { "title": "How to deal with a coworker disliking me?", "subreddit": "askcarsales", "num_comments": 41, "score": 0.92, "selftext": "Hey guys,\n\nSo, I'm new to the car sales industry (only 3 weeks in), but I've already made some sales and I'm **grinding** (putting in extra hours since I'm single). I'm putting in like 3x more calls a day than average and making a lot of appointments. The sales managers and upper-management (GM, etc.) all like me, and got me business cards early (normally they give it after 3 months) right away and are putting me in a local newspaper for my ethnic group since we have a LOT of people in the area ", "url": "https://reddit.com/r/askcarsales/comments/1qlbzvn/how_to_deal_with_a_coworker_disliking_me/" }, { "title": "Autonation Toyota Recall Upsells", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.92, "selftext": "Received a letter to take a vehicle in for a recall fix. This is what they send over. There are 17 check boxes worth of \"repairs\", all checked by default, collapsed/hidden from view. The only visible checkbox is the \"I have reviewed and selected my services and approve work on my vehicle\" before you can click submit. I can only imagine someone not tech savvy, or older, checking that box and submitting then showing up with a $7000 repair bill.\n\nYou have to open each section, manually uncheck each", "url": "https://reddit.com/r/darkpatterns/comments/1ozngvj/autonation_toyota_recall_upsells/" }, { "title": "Tell me I\u2019m stupid(OTD price)", "subreddit": "askcarsales", "num_comments": 23, "score": 0.918, "selftext": "Truck I\u2019m looking at is listed at 83k msrp discounted to 71.6k. The destination and delivery is in the msrp. Their dealer comments say price does not include taxes, tags, dealer/government fees. \n\nThey\u2019re adding back in destination($2595), a $500 military discount, and a bedliner($799)I didn\u2019t ask for. Doc fee is $799 and Registration is $694.\n\nSomehow I\u2019m back at 81k out the door. I was expecting to be 75-76k. Am I an idiot?", "url": "https://reddit.com/r/askcarsales/comments/1r1c8pw/tell_me_im_stupidotd_price/" }, { "title": "I want to trade in a car I just bought because I hate it", "subreddit": "askcarsales", "num_comments": 31, "score": 0.918, "selftext": "I(21f) live in Oregon, and a couple days ago I started financing a vehicle from Salem that I really dont want. I was pressured into this car by an uncle and the sales rep, which I know is my fault, and ended up buying a car that is the opposite of what I was looking for. The car is a 2015 Chevy Trax awd with 80k miles, good gas mileage, 1 owner, and has been very well maintained. It was 10k, but with the warranties, service fees, etc it came out to about 19k. I put 5k as a down payment and am on", "url": "https://reddit.com/r/askcarsales/comments/1qi8t2a/i_want_to_trade_in_a_car_i_just_bought_because_i/" }, { "title": "Warranty markup truth can someone who works in sales be honest about this", "subreddit": "askcarsales", "num_comments": 36, "score": 0.916, "selftext": "I'm buying a 2017 Honda Accord next week and I've been doing research on extended warranties because I know the finance office is going to push hard, but I want to hear from people who actually work in car sales about what's really going on with the pricing\n\nFrom what I've gathered online, dealers buy warranties from third-party companies and then mark them up significantly before selling them to customers, the markup seems to be anywhere from 50% to over 100% depending on how aggressive they wa", "url": "https://reddit.com/r/askcarsales/comments/1r0sgns/warranty_markup_truth_can_someone_who_works_in/" }, { "title": "Lease Residual Value is much higher than market value, but I want to buy the car", "subreddit": "askcarsales", "num_comments": 45, "score": 0.916, "selftext": "Need help here. Obviously it's financially prudent to purchase a car at the end of a lease when the residual is way lower than the market value. My situation is the reverse, I think the car is selling for about $8k less than the end of lease purchase price.\n\nHowever, I do want to keep my car as I like it (Hyundai Ioniq 5). It would be better if I can keep my exact car, but not sure how to go about returning and buying it back at a better price? Is this even possible? I'd likely buy the same", "url": "https://reddit.com/r/askcarsales/comments/1qen74r/lease_residual_value_is_much_higher_than_market/" }, { "title": "Company made my sister buy a car \u2014 now wants full payment when she resigns. What should she do?", "subreddit": "LegalAdvice", "num_comments": 167, "score": 0.916, "selftext": "Location: Oregon, Hillsboro\n\nHi everyone, we need some advice.\n\nMy sister has been working at a company for about 5 years. During her employment, the company told her to buy a car for work purposes. They said the company would pay for it in full, but my sister would repay the company monthly through salary deductions.\n\nShe agreed. So far, she has already paid about half of the car\u2019s price back to the company. The car is registered under her name, not the company\u2019s.\n\nNow she decided to leave the ", "url": "https://reddit.com/r/legaladvice/comments/1qq39j6/company_made_my_sister_buy_a_car_now_wants_full/" }, { "title": "Is License Fee legit buying out of state?", "subreddit": "askcarsales", "num_comments": 9, "score": 0.914, "selftext": "I live in New Jersey. I\u2019m buying a Lincoln from Washington state to be registered in New Jersey. I have to register it myself, they will just put a transit tag on it. To register once I get it will be around $400 registration and title fee. \n\nThey are charging me doc fee of $200, but also a \u201cLicense fee\u201d of $1000. What is this? Manager said it\u2019s for the transit tag etc. that costs like $5. Should I have them remove this charge? Thanks \n\nFinancing ", "url": "https://reddit.com/r/askcarsales/comments/1r0ujjv/is_license_fee_legit_buying_out_of_state/" }, { "title": "BMW new patented screw-head designed to limit repairs to authorized dealers and prevent independent servicing", "subreddit": "assholedesign", "num_comments": 2753, "score": 0.914, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1pss5i7/bmw_new_patented_screwhead_designed_to_limit/" }, { "title": "Will the dealership surprise me with extra $1000?", "subreddit": "askcarsales", "num_comments": 6, "score": 0.912, "selftext": "Hi, I basically was in a market for this car for a long time and then the dealership's car had a $1000 incentive discount on if I financed the car through them which I noticed after I got the pre approval from my credit union. I thought if I financed with the credit union i'd lose that $1000 but even though the manager at the dealership knew I was going to the credit union, the purchase agreement he sent me in the mail to show to the credit union did not have the extra $1000 added to it. I have ", "url": "https://reddit.com/r/askcarsales/comments/1r089ug/will_the_dealership_surprise_me_with_extra_1000/" }, { "title": "Do people come in for a Bronco and end up with a Bronco Sport?", "subreddit": "askcarsales", "num_comments": 13, "score": 0.91, "selftext": "I was reading one reason Ford used the Bronco sport name was to make sales to people who wanted a Bronco but couldn\u2019t afford it. Does this happen? They seem like totally different vehicles to me. \n\nAre there other vehicles people come in for and frequently settle for a less expensive model?", "url": "https://reddit.com/r/askcarsales/comments/1r07z0x/do_people_come_in_for_a_bronco_and_end_up_with_a/" }, { "title": "My BMW 4 series was backed into while parked by a nice neighbor , I was quoted 4000$ for repair. He initially said he would settle with cash. But the body shop recommended using insurance as repair will take few days.", "subreddit": "Insurance", "num_comments": 19, "score": 0.91, "selftext": "I was planning to sell the car before this incident. Carvana offered 18000$ for the car. Since the neighbors were nice I said we will work with them on what ever makes it comfortable for them.i am worried the car value would go down with this.\n2 questions \n1)\nShould I get the car repaired or keep the money and try to sell the car with Dent in the door. \n2) if repairing should I go with his insurance or take the cash from him?", "url": "https://reddit.com/r/Insurance/comments/1qxhp58/my_bmw_4_series_was_backed_into_while_parked_by_a/" }, { "title": "Out of State Co-Signer Question", "subreddit": "askcarsales", "num_comments": 4, "score": 0.908, "selftext": "Initiated a purchase today on a new vehicle. Everything worked out well overall, but dealer kept being unusual by changing variables/terms throughout the day. I have a relative cosigner with stellar credit who lives out of state. I signed all my portion of the paperwork and now they will be sending documents to be notarized in other state and returned. I had a horrible experience with the finance person and they started changing rates slightly even though we were guaranteed a new car rate of 4.9", "url": "https://reddit.com/r/askcarsales/comments/1r0qzpo/out_of_state_cosigner_question/" }, { "title": "Selling private party question", "subreddit": "askcarsales", "num_comments": 2, "score": 0.906, "selftext": "Illinois based FYI\n\nSelling car private party question\n\nFirst time private party sale - Pardon my idiocracy - Any help is greatly appreciated\n\nI\u2019m selling my car to a good buddy. \n\nCapital one holds my title. He would be paying me 28k, i would pay off the loan. Then capital one mails the title. \n\nI would complete a bill of sale, take my plates & registration card out, \n\nCapital one said they won\u2019t get the loan to me for 13 days - as it\u2019s mailed - Here\u2019s my question. \n\n\u2022 Can he go and registe", "url": "https://reddit.com/r/askcarsales/comments/1r0py9p/selling_private_party_question/" }, { "title": "I\u2019m a woman in the industry and got offered a sales position. Talk me out of (or into) it!", "subreddit": "askcarsales", "num_comments": 20, "score": 0.906, "selftext": "I (27F) currently work front desk at a BMW dealership and also help the service department. The previous sales manager recently left and offered me a sales position at his new BMW location. From my first week at my current job, all my coworkers said they think I\u2019ll be getting into sales. I work more closely with service right now and hate it lol.\n\nThe good thing about working for the previous sales manager is I\u2019d be the only woman at his location (feel like that\u2019s a huge advantage) and he\u2019d actu", "url": "https://reddit.com/r/askcarsales/comments/1qny0eg/im_a_woman_in_the_industry_and_got_offered_a/" }, { "title": "First Car Purchase - How do I negotiate?", "subreddit": "askcarsales", "num_comments": 6, "score": 0.904, "selftext": "Hey all, I am in the process of trying to buy a new (used) car. It will be my first car ever from a dealership. I have now emailed 3 dealerships, 2 of them told me they sold the car I was looking at already, I am talking with the third one and asked for an out the door price for their 2023 Civic Sports, which they provided me, I am sort of lost as to how to proceed with the price they gave me. The breakdown doesn't seem to include any add-ons besides doc fee, registration, and some other taxes. ", "url": "https://reddit.com/r/askcarsales/comments/1r0pwf3/first_car_purchase_how_do_i_negotiate/" }, { "title": "I\u2019m at one car this month. Can I get help understanding bulk orders?", "subreddit": "askcarsales", "num_comments": 34, "score": 0.904, "selftext": "There\u2019s a guy on our floor that sleeps 24/7. Randomly wakes up and has 5-10 deals every 3-4 days. He always ends up selling 30+ a month. My question is what kinda companies can I call to see if they want vehicles in bulk. I\u2019m in Gwinnett county Georgia if that helps. Any advice is appreciated. Thanks. ", "url": "https://reddit.com/r/askcarsales/comments/1qeed9r/im_at_one_car_this_month_can_i_get_help/" }, { "title": "2000 infiniti i30 (V6)", "subreddit": "askcarsales", "num_comments": 3, "score": 0.902, "selftext": "As the title says, I am looking at getting that car from a private seller for $5k; it's at 91k miles. Everything looks to be in great condition, and I've researched the reliability and average mileage life expectancy on these cars. I did have my stepdad, who is a retired mechanic, take a look at it, and I'm going to test drive it tomorrow. I am just constantly paranoid I'm buying a lemon. Does anyone have any objections to these cars and/or anything I should know before buying?", "url": "https://reddit.com/r/askcarsales/comments/1r0p7ei/2000_infiniti_i30_v6/" }, { "title": "Temporary tags", "subreddit": "askcarsales", "num_comments": 5, "score": 0.9, "selftext": "Hi! So my husband and I purchased a car on 1/4/26 and today on 1/9/26 he was pulled over and given a ticket for the temporary tag not showing the expiration date. I contacted the dealership and they said they \u201calways put the purchase date\u201d on those and when i googled it said it was supposed to show the expiration date, not purchase date. Can someone tell me if that is correct? Did the dealership mess up? Is this a new law? \n\nThanks in advance!!", "url": "https://reddit.com/r/askcarsales/comments/1r0j987/temporary_tags/" }, { "title": "Car Sales", "subreddit": "askcarsales", "num_comments": 5, "score": 0.898, "selftext": "Currently in phone sales, it\u2019s not the worse Gig, but I kinda want to look into car sales. I love cars, I used to be a mechanic and knowledge on all angles of it. How is the job for \u201c beginners \u201c right now? With Phone sales becoming all done through Apps I\u2019ve seen less and less \u201cnew\u201d customers or customers wanting products in store because they get them shipped to the house. ", "url": "https://reddit.com/r/askcarsales/comments/1r0fbt2/car_sales/" }, { "title": "Chevy Traverse 2026 New vs 2025 Used", "subreddit": "askcarsales", "num_comments": 13, "score": 0.896, "selftext": "Looking at buying a Chevy Traverse Z71.\n\nI have 2 options:\n\n2026 with the super cruise, brand new. $52k OTD\n\n2025 no super cruise, 17,300 miles. $45k OTD\n\nBiggest thing I\u2019m tossed on is if it is truly a good deal on both, and am I better off with the new one, or saving the $7k and buying used?", "url": "https://reddit.com/r/askcarsales/comments/1r0nvmj/chevy_traverse_2026_new_vs_2025_used/" }, { "title": "When do you decide to get a new car rather than continuing to do repairs?", "subreddit": "personalfinance", "num_comments": 464, "score": 0.894, "selftext": "I am driving an '09 Chevy sedan with 170k+ miles on it, and part of me wants to drive that car until the wheels come off because I tend to think that no matter how much I pay for repairs the cost of those repairs will still be less than the cost of a new vehicle. It's just that lately over the past year I feel like I've been putting a lot of money into repairs and I am beginning to wonder whether I may just be better off getting a new car, though at this point I'd still much rather devote my sav", "url": "https://reddit.com/r/personalfinance/comments/1quridz/when_do_you_decide_to_get_a_new_car_rather_than/" }, { "title": "Best Value DMS", "subreddit": "askcarsales", "num_comments": 2, "score": 0.894, "selftext": "As the title suggests, I\u2019m looking to find a dealer management system that has basic features such as generating sales forms, tracking recon costs, tracking overall company expenses, and BHPH software. I looked into a few, and Frazer caught my attention with their pricing. Just wondering what else is out there and what others have had decent success using. Thanks", "url": "https://reddit.com/r/askcarsales/comments/1r0czss/best_value_dms/" }, { "title": "Do you feel sad when you sell less than other sales?", "subreddit": "askcarsales", "num_comments": 20, "score": 0.894, "selftext": "Hi guys,\n\ni just join the industry at April 2025. Was in another dealership before, always sell 15-20 cars a month. And always sell basically the most or second.\n\nAnd i resigned to a dealership closer to my home but different brand, in mid December. last month sold 4, and this month so far sold 4 as well. I know it's a quiet month but the other two sales one sold 10 one is 11. It makes me feel so bad. Feels like my manager will disappointed to hire me.\n\nDo you guys feel the same when not sell mu", "url": "https://reddit.com/r/askcarsales/comments/1qqm4d5/do_you_feel_sad_when_you_sell_less_than_other/" }, { "title": "Pay plan", "subreddit": "askcarsales", "num_comments": 9, "score": 0.892, "selftext": "Looking to get into car sales got offered a job from a family friend who makes great money, the dealer is 30 minutes from the metro area in my city and it a Chevy dealer this is the pay plan. \n\nDraws:\n\n\t\u2022\t$923 bi-weekly draw\n\nCommission:\n\n\t\u2022\t10% on new vehicles\n\n\t\u2022\t20% on used vehicles\n\n\t\u2022\t$150 mini deal\n\n\t\u2022\t$10 finance spiff\n\n\t\u2022\t$50 per tire/wheel package sold\n\n90-Day Rolling Bonus:\n\n\t\u2022\t10 units sold in a rolling 90-day period = $1,000 bonus\n\nStacking Unit Bonus Structure (per month):\n\n\t\u2022\t11\u201313", "url": "https://reddit.com/r/askcarsales/comments/1r091py/pay_plan/" }, { "title": "Car on the lot since 9/2023", "subreddit": "askcarsales", "num_comments": 16, "score": 0.892, "selftext": "Customer, not dealership. Just curious from a sales perspective do these people just love the car so much they aren't closing sales on it or what? 2.5 years (edit 3.5) on the lot seems unbelievable from a customer standpoint. **Its a used Pontiac Firebird nice car, good trim, decent miles, good condition, but it is overpriced.** Surely people have made offers so why wouldnt they be taking them? Thank you\n\nEDIT: Its been there since 2022 actually.", "url": "https://reddit.com/r/askcarsales/comments/1qurhyx/car_on_the_lot_since_92023/" }, { "title": "Need advice regarding junk car sale", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.892, "selftext": "Need help. I sold a car to a junk dealer I found on the internet. He came over and paid me $100 for the car and said he would give me a bill of sale. He strapped the car on his trailer and got in his car and started to drive off. I ran over and told him I needed the bill of sale. He said he would send it to my phone in the morning. Never received anything. When I called he said he'd already sold the car and there was nothing he could do for me. I don't have any of his info. I did submit a relea", "url": "https://reddit.com/r/legaladvice/comments/1r2bk0u/need_advice_regarding_junk_car_sale/" }, { "title": "Was it worth spending money on warranty and after care products for a 2017 Vauxhall Mokka? I\u2019m in England.", "subreddit": "askcarsales", "num_comments": 12, "score": 0.89, "selftext": "I asked on LegalUK if I have any recourse and after combing through what I have paid for I thought I\u2019d ask here. Looking for honest opinions from people who know about cars and real-world running costs.\n\nFour months ago I bought a 2017 Vauxhall Mokka X (1.6 petrol, 30k miles) from Car Planet (Barnet) for \u00a38,000.\n\nI paid \u00a37,300 upfront, and the remaining \u00a3700 was added to a finance agreement along with an aftercare package.\n\nThe package included:\n\n\u2022 4 Year Service Plan \u2013 \u00a3700\n\n\u2022 4 Years RAC Plati", "url": "https://reddit.com/r/askcarsales/comments/1r0klm5/was_it_worth_spending_money_on_warranty_and_after/" }, { "title": "Washington: Help! Additional add ons/warranties I didn\u2019t expect.", "subreddit": "askcarsales", "num_comments": 7, "score": 0.888, "selftext": "I signed a contract today and put down $4k for a Tacoma. I left it at the dealership cause I drove there and said I\u2019ll pick it up some time this week. When I was with the finance person I remember them telling me I have the \u201cbasic kit\u201d already and were trying to get me to get GAP insurance and all these other things. I said no, I\u2019ll just take my basic kit (thinking it was what comes with the car at no cost). I\u2019m looking through my contract paper at home now and they charged me $6k on it. It\u2019s li", "url": "https://reddit.com/r/askcarsales/comments/1r0miau/washington_help_additional_add_onswarranties_i/" }, { "title": "Women in Car Sales", "subreddit": "askcarsales", "num_comments": 24, "score": 0.888, "selftext": "So, recently I joined car sales. I honestly wanted to experience high volume sales. I enjoy the selling process and I\u2019ve learned so much. I get along with my co-sales team and I truly enjoy my time with them. The only problem is the management. They berate the team and call us worthless and say we aren\u2019t trying hard because sales are down. I understand the frustration but they are degrading the salesmen and just causing massive demoralization. The turn over rate is directly tied to this. It is v", "url": "https://reddit.com/r/askcarsales/comments/1qk5fo5/women_in_car_sales/" }, { "title": "Car dealership never submitted paperwork to the bank and refuses to allow us to return the car", "subreddit": "LegalAdvice", "num_comments": 103, "score": 0.888, "selftext": "Location: CT\n\nMy partner and I cosigned on a used car. After never receiving our first bill with the bank, we called the dealership and were told that the paperwork was never submitted. We've decided we do not want to resign and would like to return the vehicle and get our money back minus whatever fees (mileage, detailing, etc.) The GM of the dealership is now telling us that we have no choice but to come and resign new paperwork because we've already signed previously on a contract that was no", "url": "https://reddit.com/r/legaladvice/comments/1qlrzuo/car_dealership_never_submitted_paperwork_to_the/" }, { "title": "Looking at buying a used VW id4 2022. There are a few way out of state that ship cheap, is it generally safe to ship? Like if it\u2019s a turd in person is there any protection on my end?", "subreddit": "askcarsales", "num_comments": 5, "score": 0.886, "selftext": "", "url": "https://reddit.com/r/askcarsales/comments/1r08she/looking_at_buying_a_used_vw_id4_2022_there_are_a/" }, { "title": "Should I fix 5600 in dent damage before I trade in car I still owe on for a new car?", "subreddit": "askcarsales", "num_comments": 24, "score": 0.884, "selftext": "I hit a trashcan and did 5600 damage to my car in cosmetics. Should I get this fix before I trade in the car? I also owe 20K on the car so I would not be getting anything in trade. It\u2019s a 2020 Ford Explorer ST", "url": "https://reddit.com/r/askcarsales/comments/1r0cc0l/should_i_fix_5600_in_dent_damage_before_i_trade/" }, { "title": "Can you buy a \"used\" EV in Canada and register it in the US?", "subreddit": "askcarsales", "num_comments": 35, "score": 0.884, "selftext": "With the new trade deal on Chinese EVs in Canada where the eliminated tariffs, it seems likely that there's going to be a good accessibility to BYD and Xiaomi EVs in Canadian car markets. As someone who has tried out these cars in Asia and Central America, they're far superior than what we've got from the American manufacturers and relatively cheaper for what they offer in comparison.\n\nEven if US has prohibitively high duties on Chinese cars, is it possible to say, have a \"friend\" in Canada buy ", "url": "https://reddit.com/r/askcarsales/comments/1qevokc/can_you_buy_a_used_ev_in_canada_and_register_it/" }, { "title": "New 26 BMW X7 x40i", "subreddit": "askcarsales", "num_comments": 30, "score": 0.882, "selftext": "Was at a dealership this weekend in north FL and looked at a 2026 X7 x40i with the M Sport package. MSRP was $102.5k. Sales guy was only willing to drop $1k and came up $1k on trade. He didn\u2019t seem very motivated to sell, so we walked. \n\nWhat is the expectation for deals off MSRP? Saw in another post 10-15% is not uncommon. \n\nThanks", "url": "https://reddit.com/r/askcarsales/comments/1r0pip4/new_26_bmw_x7_x40i/" }, { "title": "Fresh in industry. My dealership doesn't do negotiations", "subreddit": "askcarsales", "num_comments": 34, "score": 0.882, "selftext": "I'm fresh in the car industry and my dealership doesn't negotiate prices. In a world where customers are still haggling, how do you guys protect your vehicle's prices and still make sales? \n\nI know service is one aspect, and finding the right car and properly qualifying the customer is another. But wondering what're your success stories and do you have any tips? \n\nThanks in advance", "url": "https://reddit.com/r/askcarsales/comments/1qdewhy/fresh_in_industry_my_dealership_doesnt_do/" }, { "title": "Salvage titles. I'm looking to buy a car/SUV. Less than 50k miles around $20k. Would you buy a salvage title car? Any deal breakers for you? And experience with salvaged vehicles? Thank you", "subreddit": "askcarsales", "num_comments": 25, "score": 0.88, "selftext": "", "url": "https://reddit.com/r/askcarsales/comments/1r0ajgx/salvage_titles_im_looking_to_buy_a_carsuv_less/" }, { "title": "Out of state cash purchase from dealer taking forever", "subreddit": "askcarsales", "num_comments": 5, "score": 0.878, "selftext": "Just wanted to check in here on if what we're experiencing is \"normal\". We found a good price on a certified pre-owned Honda out-of-state (Ohio, we live in Michigan) from a dealership. Vehicle history all checks out (single owner, no accidents, good maintenance history).\n\nWe drove down with a cashier's check for the amount around what we thought the price would be after doc fees, etc. They said that due to \"fraud\" they couldn't accept cashier's checks from out of state but we had spoken to our b", "url": "https://reddit.com/r/askcarsales/comments/1r08jgl/out_of_state_cash_purchase_from_dealer_taking/" }, { "title": "Is this a good deal? How do I calculate tax/tags/title/registration feese?", "subreddit": "askcarsales", "num_comments": 3, "score": 0.876, "selftext": "2023 Ford Expedition Limited w/ 303A package, 4WD, list price $56k w/ 18k miles. Some other options from the original window sticker: HD tow package, removed 2nd row one touch windows, removed auto stop-start, & removed hands free liftgate. It appears to be in pretty good condition and the Carfax comes back clean with pretty consistent maintenance. \n\nIt appears to be a pretty good price/value for the year/miles/trim but I'm curious what people in the know might think. Can I negotiate it down", "url": "https://reddit.com/r/askcarsales/comments/1r06nes/is_this_a_good_deal_how_do_i_calculate/" }, { "title": "How does your dealership handle leads?", "subreddit": "askcarsales", "num_comments": 21, "score": 0.876, "selftext": "For internet leads, we used to have them round robin-ed and as long as you responded within 15 minutes the lead is yours.\n\nFor phone leads it was sent to managers first then available sales people and round robin-ed again.\n\nWalk in\u2019s and fresh leads are first come first serve unless a manager got to them first.\n\nRecently management changed this and now lowest internet closing rates and phone leads closing rates will not receive any of those leads. So work service and pray someone drives on the l", "url": "https://reddit.com/r/askcarsales/comments/1qvuite/how_does_your_dealership_handle_leads/" }, { "title": "Buying out of state. Is it stupid in this instance?", "subreddit": "askcarsales", "num_comments": 6, "score": 0.874, "selftext": "I\u2019ve done a bit of research on this sub, everything says do not buy out of state, if you do: do not go to Florida the fees are wild, buy local to you, etc. i understand all of that, and that this is absolutely a higher risk move. \n\nWith that said: I\u2019m shopping for a used white 15-19 Escalade platinum. There are not a ton of these for sale \\*in this trim\\* in general, so traveling for one is the only option. \n\nFlorida does have the lowest listed prices online, and a couple of options within a fe", "url": "https://reddit.com/r/askcarsales/comments/1r05r5e/buying_out_of_state_is_it_stupid_in_this_instance/" }, { "title": "Bought a car 2 days ago for it to blow up today.", "subreddit": "askcarsales", "num_comments": 83, "score": 0.874, "selftext": "Hello everyone.\n\nI was in an accident in December resulting in my 2012 Jeep Compass being totalled. After some extensive searching, I bought a 2021 Jeep Compass Limited on Monday. I was so happy, it was right in my price range, is four wheel drive and only has 60K miles on it.\n\nI bought it used from a dealership that is pretty reputable in my area (southern Indiana/Kentucky). The car was driving just fine, heat was working great and all. Until this morning when I went to start it and I noticed t", "url": "https://reddit.com/r/askcarsales/comments/1qx0w9j/bought_a_car_2_days_ago_for_it_to_blow_up_today/" }, { "title": "Carfax showing cylinder head serviced/repaired", "subreddit": "askcarsales", "num_comments": 5, "score": 0.872, "selftext": "Looking at a Honda Odyssey and this showed up on the carfax. Is this a red flag?\n\nhttps://www.carfax.com/vehiclehistory/ar20/jegbjLClU4UQylrOpAFANJkk0b8xfiVtlBH9aJeVIMa9ebOjS049D97g4PnRNeHwzEr3DozetpYhW0w5suhxl4z84GGk\\_i0r2cM?\\_cl=Gc54biQpbGAxaPSx8hAduX5g", "url": "https://reddit.com/r/askcarsales/comments/1r049nx/carfax_showing_cylinder_head_servicedrepaired/" }, { "title": "I just paid off my truck. Wife needs a car, how long to wait before i should fill out a credit app?", "subreddit": "askcarsales", "num_comments": 6, "score": 0.87, "selftext": "I just paid off my truck (hooray)\n\nCircumstances have decided my wife now needs a car, therefore I\u2019m gonna need financing again soon. \n\nHow long should i wait before filling out a credit app for it to show my other loan as paid off? \n\nOr does that even matter? Will it negatively affect the deal i get? \n\n \n\nFWIW we\u2019re going to put $15k down on a \\~$30k used car for her, if that matters. ", "url": "https://reddit.com/r/askcarsales/comments/1qzrc0n/i_just_paid_off_my_truck_wife_needs_a_car_how/" }, { "title": "Dealership Shout Out", "subreddit": "askcarsales", "num_comments": 11, "score": 0.87, "selftext": "Apologies if this kind of post isn't allowed here but I wanted to share a positive experience since we see/hear about so many bad ones. \n\nI've been working with a local Penske owned Audi dealer in AZ on replacing my current worn out Audi for 2 weeks. Saturday was our day to wrap everything up. We were looking at 3 different options. The salesman, GM, & FM were all amazing, accommodating & patient in the process. Worked up 3 different deals, gave us amazing prices out the gate, threw in s", "url": "https://reddit.com/r/askcarsales/comments/1qu3g3h/dealership_shout_out/" }, { "title": "I owe over $11K in credit card debt and I owe money to a bank and PayPal. Is it wise for me to sell my 6yo car to put a dent in the debt for a while?", "subreddit": "povertyfinance", "num_comments": 65, "score": 0.87, "selftext": "I have a 2020 Nissan Sentra with less than 50K miles on it. I\u2019m thinking of living without a car for a while since I\u2019m trying to get on disability and am unable to pay for car insurance or the license plate stickers anyway. I really like the car but I kinda wanna hear how to adjust to life without having your own car? Is selling your car a smart way to pay off debt? ", "url": "https://reddit.com/r/povertyfinance/comments/1r0imru/i_owe_over_11k_in_credit_card_debt_and_i_owe/" }, { "title": "OTD price inquiry - '26 Civic Hybrid Sport", "subreddit": "askcarsales", "num_comments": 18, "score": 0.868, "selftext": "As the title states, I'm simply looking to see what a fair price would be for a car that my sister wants to buy and hopefully I don't leave out any details or break any sub rules. She IS set on this car.\n\nLocation - Phoenix, AZ, USA\n\nCar - 2026 Honda Civic Hybrid Sport Sedan\n\nCondition - New\n\nPreferred extras - Lagoon Blue Pearl (+$455 per Honda) and nothing else\n\nMethod of payment - whatever gets me the lowest OTD price so all in cash, whatever amount down+financing, just financing, etc\n\nTrade-", "url": "https://reddit.com/r/askcarsales/comments/1qzu3kp/otd_price_inquiry_26_civic_hybrid_sport/" }, { "title": "May have taken a sales job that\u2019ll make me worse at selling", "subreddit": "askcarsales", "num_comments": 5, "score": 0.868, "selftext": "I\u2019m about a year into car sales, mostly highline, and I\u2019m worried I may have accidentally taken a job that\u2019s stunting my growth as a salesperson rather than fostering it.\n\nLast year I started at Audi, where we did everything: product, test drive, and full price negotiation. The problem was the store itself was falling apart. Margins were razor thin, almost every deal was a mini, and we were a city store, so accessibility sucked and the volume just wasn\u2019t there. Even top guys doing 12\u201315 cars wer", "url": "https://reddit.com/r/askcarsales/comments/1qt7qdi/may_have_taken_a_sales_job_thatll_make_me_worse/" }, { "title": "Underwater on Auto Loan Ohio", "subreddit": "personalfinance", "num_comments": 295, "score": 0.866, "selftext": "My brother-in-law (25) has gotten himself into quite the mess. He took out a loan on a used SUV in January 2025 for $30,000. In October 2025 he traded it in for a new SUV for $50,000. He only received $17,000 on the trade in so $10,000 from the used car loan was rolled into the new loan. After some added services, warranty, and taxes the total loan is now $71,000 which is a monthly payment of $1,016 because the loan is for 84 months...\n\nHe makes $18/hr with no opportunities for overtime. That i", "url": "https://reddit.com/r/personalfinance/comments/1qew2xf/underwater_on_auto_loan_ohio/" }, { "title": "BMW Dealer Financed Wrong Car", "subreddit": "askcarsales", "num_comments": 23, "score": 0.866, "selftext": "This post is for a friend that I\u2019m trying to help through a situation and need advice from yall on Reddit.\n\nShe purchased a new 2026 BMW 230i on November 29th of 2025. The car was financed through BMW and away she went.\n\nFast forward to this week, the dealer contacts her and says they accidentally financed the incorrect car. The car they financed was an identical MSRP, but different exterior and interior colors. I had her verify the VIN# on the BMW finance website, and it indeed shows a differen", "url": "https://reddit.com/r/askcarsales/comments/1qzap98/bmw_dealer_financed_wrong_car/" }, { "title": "How do I proceed with dealer contact if I am going to use costco auto program eventually?", "subreddit": "askcarsales", "num_comments": 6, "score": 0.866, "selftext": "Been getting calls from dealership since my lease is about to end. I am interested in 2-3 different models but haven't narrowed down to one yet. The final will depend on test drive, options/colors in stock and pricing/offers.\n\nThe reason I want to go through costco is because of the pricing and other factors. For example, when I got my last car their initial quote was much lower than the price on their website (even with a manufacturer rebate). I didn't have to haggle because it was in line with", "url": "https://reddit.com/r/askcarsales/comments/1qn0qer/how_do_i_proceed_with_dealer_contact_if_i_am/" }, { "title": "Dealer in IL sold me a used SUV with an AutoCheck showing no accidents. Insurance later found a police-reported accident with airbag deployment and won\u2019t insure it. Dealer is now calling the history \u201cquestionable\u201d and refusing to unwind the sale. What should I do?", "subreddit": "LegalAdvice", "num_comments": 90, "score": 0.866, "selftext": "LOCATION: Illinois\n\n \nI\u2019m looking for advice on how to handle this situation and whether I have grounds to unwind a used car purchase.\n\nThis past Saturday (Feb 7, 2026), I purchased a used 2023 Hyundai Santa Fe from a dealership about 82 miles from my home. At the time of sale, the dealership provided an\u00a0**AutoCheck report showing no accidents or damage reported**. I relied on that report when completing the purchase.\n\nAfter driving the vehicle home, I attempted to bind insurance. Multiple insu", "url": "https://reddit.com/r/legaladvice/comments/1r084ll/dealer_in_il_sold_me_a_used_suv_with_an_autocheck/" }, { "title": "Question about Notes on a Car at Dealership", "subreddit": "askcarsales", "num_comments": 12, "score": 0.864, "selftext": "Hi there. Question, a dealership I'm looking to buy from in MD sent me a video of the condition of the new 2025 vehicle with 77 miles but yet plastic is still on partial in the back seat and passenger seat to some degree. Also, noticed the accessories mentioned were in a big box in the trunk. Then I noticed this note on the rear driver side passenger window \"NOD DONE\" in window chalk. What does it mean? And also, I checked the VIN. It was at another dealership previously which is about 45-60 mil", "url": "https://reddit.com/r/askcarsales/comments/1qzm99u/question_about_notes_on_a_car_at_dealership/" }, { "title": "Am I being unreasonable/unrealistic about my trade in?", "subreddit": "askcarsales", "num_comments": 38, "score": 0.864, "selftext": "I have a 2014 F150 FX4 with roughly 55k miles. I looked up the trade in value of the vehicle and both kbb and Edmunds gives a range between $15-20k depending on condition. The most a dealer has offered me for it is $13,500. Am I being low balled or am I being unrealistic in expecting at least $15k?\n\nVehicle: 2014 Ford F150 FX4\n\nMileage: 55,000 miles\n\nOptions: 4 wheel drive, power driver and passenger seats, heated and cooled driver and passenger seats, power moonroof, power rear sliding window, ", "url": "https://reddit.com/r/askcarsales/comments/1quccdu/am_i_being_unreasonableunrealistic_about_my_trade/" }, { "title": "Subaru - Chase Auto Loan Owner Death", "subreddit": "personalfinance", "num_comments": 96, "score": 0.862, "selftext": "My wife passed away over the weekend. I am trying to figure out what to do with her car. It is fairly new, it's got some equity into it, but we still owe $14k I think on it. I called Chase and they said my options really are just continuing like nothing happened, surrendering the car, paying it off, refinancing the car, or 3rd party selling. \n\nThey stated some states will not renew registration unless the title is in my own name (I'm not on it at all). To do so would require a refinance they", "url": "https://reddit.com/r/personalfinance/comments/1qpi5bl/subaru_chase_auto_loan_owner_death/" }, { "title": "Lots of problems with recently purchased certified pre owned (CPO) 2023 Audi Q5 40 TFSI quattro - what to do?", "subreddit": "askcarsales", "num_comments": 12, "score": 0.862, "selftext": "We bought a CPO 2023 Audi Q5 40 TFSI quattro in mid October.\u00a0 Since then it\u2019s had a lot of problems:\u00a0 driver\u2019s seatbelt buckle had to be replaced, abnormal motor vibration (car would gently shake at low speeds until they \u201creset the codes\u201d), a door handle fell off (rather unhelpfully a mechanic smugly said we should learn how to open doors), noisy/messy wipers (which we flagged before purchase and which we were told had been fixed), squeaky brakes, and then the driver\u2019s side window stopped going ", "url": "https://reddit.com/r/askcarsales/comments/1qzrbc8/lots_of_problems_with_recently_purchased/" }, { "title": "Do you think wagons are going to start creeping back into the market?", "subreddit": "askcarsales", "num_comments": 26, "score": 0.862, "selftext": "Idk if they will be exactly like wagons of the day, but I think we are going to start seeing more wagon like \u201cSUVs\u201d\n\nBest example is the Toyota crown signia. It\u2019s a wagon. Flat out. It\u2019s a wagon. Maybe a little tall sure but for all intensive purposes it\u2019s a wagon. \n\nSubarus Levorg is probably coming here and that\u2019s a legit wagon. The Outback still sells like hotcakes. The new Chevy trax is also basicallly a wagon. The Buick envista is very wagon-esque.\n\nThe biggest thing I see is actually relat", "url": "https://reddit.com/r/askcarsales/comments/1qceyd4/do_you_think_wagons_are_going_to_start_creeping/" }, { "title": "How to find who previously insured a vehicle, and other title fraud questions (california)", "subreddit": "Insurance", "num_comments": 3, "score": 0.862, "selftext": "location: southern california\n\nback in may I bought a car, with a supposed clean title, dealer said it was rear ended, but it wasnt that bad, repairs were only costly enough to constitues a more severe accident on the carfax because of the sensors and other technology in this newer ev. conveniently for them this was only spoken, and subsequent attempts to get them to repeat this in writing have had no success\n\nthe car didn't wind up meeting my needs, and i originally intended to sell it privatel", "url": "https://reddit.com/r/Insurance/comments/1r1hlbv/how_to_find_who_previously_insured_a_vehicle_and/" }, { "title": "Question about buying non-certified used car", "subreddit": "askcarsales", "num_comments": 6, "score": 0.86, "selftext": "First time buying a used car, looking for advice. Found a 2025 car from a Nissan dealership that has 55k miles on it that is selling for 2k under any other car around the same model, trim, year, and mileage in this state and confirmed that this is the out the door price over the phone. Only caveat is that I need to drive 300 miles to get to it.\n\nShould I make sure that I can get a PPI before purchase or that I can return the car after purchase within some time frame so that I can still get it in", "url": "https://reddit.com/r/askcarsales/comments/1qzqqmz/question_about_buying_noncertified_used_car/" }, { "title": "Loan reinstatement", "subreddit": "askcarsales", "num_comments": 3, "score": 0.858, "selftext": "So me and this dealership unwinded a deal. I signed the reinstatement form for my loan, and they reversed the deal.\n\nHowever it\u2019s been one month since I\u2019ve signed the reinstatement for my trade in so I\u2019m assuming they haven\u2019t filed the paper work yet, anyone else been in this situation? I\u2019ve emailed them and they haven\u2019t gotten back to me ", "url": "https://reddit.com/r/askcarsales/comments/1qzf4ul/loan_reinstatement/" }, { "title": "Opinions on the 2026 Tacoma SR5 4WD 4DR Deal", "subreddit": "askcarsales", "num_comments": 4, "score": 0.856, "selftext": "Hey all, looking for a sanity check before I pull the trigger.\n\n**Vehicle:**\n\n* 2026 Toyota Tacoma TRD Sport\n* 4WD, Crew Cab, 5-ft bed\n* Color: Ice Cap\n* New (5 miles)\n\n**MSRP:** $44,162 \n**Selling price:** $39,500 \n**Rebate:** $500 \n\ud83d\udc49 **Discount from MSRP:** \\~$4,662 (\\~10.5%)\n\n**Fees / Taxes (Oregon registration):**\n\n* Registration fees: $439\n* Doc fee: $215\n* Taxes: $351\n* Total out-the-door cash price: **\\~$40,005**\n\n**Financing options (Toyota Financial):**\n\n* 48 months @ **2.99% APR** \u2192", "url": "https://reddit.com/r/askcarsales/comments/1qzmkfe/opinions_on_the_2026_tacoma_sr5_4wd_4dr_deal/" }, { "title": "Going back to dealer after walking away?", "subreddit": "askcarsales", "num_comments": 28, "score": 0.856, "selftext": "Probably loads of posts like this but, hmm, hard to explain but I\u2019ll try.\n\nFamily and I drove 8 hours took look at a car, Charger Scat pack, listed under 30k. Been after this model with this trim level with certain features(blind spot, sunroof). They came back with a bunch of typical used car dealership fees that put it 7 grand over the list price, which we did manage to get down over the course of 2 hours before they tried to sell us on replacing the brake pads and tires\u2026after they admitted the", "url": "https://reddit.com/r/askcarsales/comments/1qtg9ce/going_back_to_dealer_after_walking_away/" }, { "title": "What\u2019s a typical work schedule?", "subreddit": "askcarsales", "num_comments": 13, "score": 0.854, "selftext": "Currently in B2B sales working 8:30-5:00 M-F. I\u2019m considering car sales (the leads COME TO YOU?? lol) as I actually like cars and I don\u2019t particularly care about what I\u2019m selling now, but I don\u2019t like the idea of 12 hour work days 6 days a week.", "url": "https://reddit.com/r/askcarsales/comments/1qnpj28/whats_a_typical_work_schedule/" }, { "title": "SUCKERS 1999Great movie about car sales", "subreddit": "askcarsales", "num_comments": 3, "score": 0.852, "selftext": "https://streamex.net/watch/movie/29120?server=streamx ", "url": "https://reddit.com/r/askcarsales/comments/1qz2d2h/suckers_1999great_movie_about_car_sales/" }, { "title": "I need help buying a new car", "subreddit": "askcarsales", "num_comments": 47, "score": 0.852, "selftext": "I recently totalled my 2020 Toyota Corolla. My parents want to get me a car with the \u201cultimate safety features\u201d. \ud83e\udee9\ud83d\ude11\n\nThey thought I\u2019d be open to a Tesla, despite my whole family hating him. They are about as crash safe as a shopping cart. They want something with automatic driving. I just really want something that will get me from point a to point b. Any suggestions with automatic driving features that are not Teslas?", "url": "https://reddit.com/r/askcarsales/comments/1qni9z2/i_need_help_buying_a_new_car/" }, { "title": "Repo Title", "subreddit": "askcarsales", "num_comments": 3, "score": 0.85, "selftext": "I\u2019ve been looking at the Mustang V6 on FB marketplace and checked the car yesterday. I checked the car. It\u2019s clean, just like in the photos, but it turned out to be a repo title. The guy bought it at an auction, and it needs suspension work. He said it would cost about $344, but I still have some concern about the future repair cost and repo title transfer.\n\nAm I being too cautious? Could there be any problems with the repo transfer?\n\nThank you in advance \ud83d\ude4f\ud83c\udffb", "url": "https://reddit.com/r/askcarsales/comments/1qzj0gp/repo_title/" }, { "title": "What makes a dealership certify a used vehicle as CPO?", "subreddit": "askcarsales", "num_comments": 19, "score": 0.85, "selftext": "When a dealership gets a car on trade in or buys a car and lists it for sale and wants it \"CPO'd\" they have to pay for that certification and do more recon to it right?\n\nSo are all CPO vehicles in great condition already and a great buy?\n\nI'm assuming dealerships aren't going to put money and time into a poor vehicle to certify it right?\n\nIs always buying a 2-3 year old used CPO vehicle the best bang for your buck way to buy?", "url": "https://reddit.com/r/askcarsales/comments/1qib5u7/what_makes_a_dealership_certify_a_used_vehicle_as/" }, { "title": "2022 Ram 1500 5.7L HEMI V8", "subreddit": "askcarsales", "num_comments": 4, "score": 0.848, "selftext": "I\u2019ve currently have a 2018 Silverado 1500. Got it with 70k miles and it\u2019s at 115k now in 2 years. The amount of money I\u2019ve put into it is beyond me. New belts, new radiator, multiple thermostats and sensors, brakes, new belts again, and my water pump just went out. I can\u2019t take it anymore and it\u2019s pushed me away from Silverado\u2019s.\n\nHow do you guys like Rams? I need something reliable because I drive a lot for work. Anything I should consider when looking to buy? I\u2019m trying to find a newer one in ", "url": "https://reddit.com/r/askcarsales/comments/1qzimn8/2022_ram_1500_57l_hemi_v8/" }, { "title": "How many hours a week do you work in car sales", "subreddit": "askcarsales", "num_comments": 66, "score": 0.848, "selftext": "I work in the car sales industry and my schedule is Monday to Friday 10 to 7 and Saturday 11 to 5. It feels like a lot of hours some weeks but I wanted to compare with others in the industry.", "url": "https://reddit.com/r/askcarsales/comments/1qgvswi/how_many_hours_a_week_do_you_work_in_car_sales/" }, { "title": "Questions about title ownership laws in Colorado", "subreddit": "askcarsales", "num_comments": 2, "score": 0.846, "selftext": "I am a brand new used car dealer in Colorado, I have a client who wants to buy a car from me and has got a loan, I have done my diligence and did the emissions and vin verification, customer comes in to finalise paperwork after taking a loan from the bank and refuses to sign the back of the title when I attempted to re assign it to her. Is there a way I can get a fresh new title in the dealers name without getting a dealer resale certificate?\n\nOr is the dealer certificate just another name for a", "url": "https://reddit.com/r/askcarsales/comments/1qzibyp/questions_about_title_ownership_laws_in_colorado/" }, { "title": "Flat vs gross pay plan", "subreddit": "askcarsales", "num_comments": 13, "score": 0.846, "selftext": "Had an interview at my local dealer today, they offered what they call a \u201csimple payment plan\u201d which is $500 flat for all cars and volume bonus for selling more than 14 cars + CSI (barely anything) + $3000/month draw, absolutely nothing else. I want to absolutely kill it in sales this year and this was the first one out of the many I applied to that even gave me a chance to interview and they seemed very interested in having me. \n\nThey told me they shifted to a flat payment because it made the s", "url": "https://reddit.com/r/askcarsales/comments/1qd8m7u/flat_vs_gross_pay_plan/" }, { "title": "Question about Negotiating Price", "subreddit": "askcarsales", "num_comments": 39, "score": 0.844, "selftext": "Im in a desperate situation and have no choice but to buy a new car. Mine was totaled two weeks ago (Im obviously not letting the dealership know about the desperation). I have 2k right now and getting another 1k from the insurance when they get my title. so I'll have 3k to put down (not much. i feel jipped a little there but ugh)\n\nanyway, Im looking at a Nissan rogue. a dealership right down the road from me has a brand new 2026 one in black for $24.5k but another dealership 50 miles away has o", "url": "https://reddit.com/r/askcarsales/comments/1qzs0zj/question_about_negotiating_price/" }, { "title": "HELP!!! Am I SOL?", "subreddit": "askcarsales", "num_comments": 7, "score": 0.844, "selftext": "Long story short, we sold our camper van in order to get a more practical vehicle because we are having a baby this summer. My partner purchased a used 2018 Chevy Colorado with 180k miles for 12k. A month after having the car we discovered massive oil leaks and got 6k worth of work done. A month later, the car has low oil pressure and wont run. The shop says it will cost 10k to fix (which we don't have) but that they might not even recommend that because it looks like the car was never well main", "url": "https://reddit.com/r/askcarsales/comments/1qxm8ps/help_am_i_sol/" }, { "title": "Worth Hiring an Appraiser for a Lowball Total Loss Offer?", "subreddit": "Insurance", "num_comments": 29, "score": 0.844, "selftext": "UPDATE: Thank you everyone who responded, you encouraged us to move forward with the appraisal clause and we were able to get an additional $3.5k. It was so helpful to read your comments and feel supported throughout this, so truly, thank you again!!\n\n\u2014\u2014\n\nProgressive has deemed my boyfriend\u2019s car a total loss, but the comps they chose seem unfair. I know they\u2019re in business to make money, which is why I\u2019m asking here if it\u2019s worth invoking the appraisal clause for this? This is in California.\n\nT", "url": "https://reddit.com/r/Insurance/comments/1qnyzue/worth_hiring_an_appraiser_for_a_lowball_total/" }, { "title": "Need advice on if I should keep my car or trade it in for a newer one", "subreddit": "askcarsales", "num_comments": 5, "score": 0.842, "selftext": "I have a 2012 Honda Civic with 148,000 miles on it. It's a FWD, 2 door coupe. I've recently found out that a lot of suspension components (struts, tie rod ends, upper control arms, sway bar links, and shocks) have dry rotted and will need to be replaced soon. \n\nThe repairs would cost around $4k, but my mechanic did tell me we could just repair the front suspension components first ($2.6k) and then slowly work on the rear components later ($1.3k). \n\nBesides some squeaking and popping noises due t", "url": "https://reddit.com/r/askcarsales/comments/1qzepfg/need_advice_on_if_i_should_keep_my_car_or_trade/" }, { "title": "Ettiquette for requesting a different salesperson?", "subreddit": "askcarsales", "num_comments": 28, "score": 0.842, "selftext": "So I've been emailing someone about a vehicle on a lot for a couple of days. Things turned weird and they suddenly got pushy and asking about things that I have no interest in (I started the conversation with this is what I want and this is my firm budget). \n\nI still want the car; I'd just prefer to not deal with that saleperson. I buy enough vehicles to know that I've most likely been assigned to them in the system. Is it going to cause issues if I just show up and start working with someone e", "url": "https://reddit.com/r/askcarsales/comments/1qw0txy/ettiquette_for_requesting_a_different_salesperson/" }, { "title": "Finacial Aid", "subreddit": "povertyfinance", "num_comments": 20, "score": 0.842, "selftext": "My 2022 honda insights needs a new engine. It wont be covered by warranty it all has to be out of pocket. I already owe $24,000 for the car and itll take $2000 just to get the work started. Does anyone know how to handle this situation or a way to help? ", "url": "https://reddit.com/r/povertyfinance/comments/1r16w9r/finacial_aid/" }, { "title": "Is paying my car off early going to be worth it?", "subreddit": "personalfinance", "num_comments": 137, "score": 0.84, "selftext": "Should I pay my car loan fully off? I owe about 5500 left and have 12 months left on my loan. The interest is 6.4% and car payment is 490 per month. I have money in my savings (around 15k) that I\u2019ve been saving for years. The thing is, I haven\u2019t been able to grow it for some time now. I was thinking if I paid my car loan off, it would reduce a little bit of stress monthly I can start putting into my saving savings and growing that money back and putting the extra money towards other things eithe", "url": "https://reddit.com/r/personalfinance/comments/1qxrlnw/is_paying_my_car_off_early_going_to_be_worth_it/" }, { "title": "Dealership ran credit without my permission", "subreddit": "askcarsales", "num_comments": 43, "score": 0.84, "selftext": "Went to nissan for a suv to do a trade in but didn\u2019t like the prices they were quoting. They were quoting me based on their 6-6.5% APR. They only asked for pay off price for my car and my social. Before I gave my social I asked if my credit would be run and they said not until I actually want the suv. So as I am sitting waiting on numbers I get a notification saying my credit file was requested. Then I ask him again and he said no they didn\u2019t submit a credit inquiry. Keep in mind I didn\u2019t sign a", "url": "https://reddit.com/r/askcarsales/comments/1qype11/dealership_ran_credit_without_my_permission/" }, { "title": "Rate this pay plan at a texas toyota dealership.", "subreddit": "askcarsales", "num_comments": 25, "score": 0.84, "selftext": "Base Pay: Salespersons will be paid 13% commission of the total deal gross profit after pack!!\n\n$200 minimum commission\n\nBONUS TIERS\n\nAchieve Level 2 Sales pays 1% Bonus on Total monthly gross\n\nAchieve Level 3 Sales pay 3% Bonus on Total Montaly gross\n\nMaintain Level 3 Sales 3 years Tenure+ pays 5% \n\nBonus on Total Monthly Gross\n\n\\*pay-plan is subject to change without notice\n\nPacks are as follows\n\n$700 conventional finance\n\n$700 special finance $300 on finance income\n\nJan 2nd HALF SALES BONUS P", "url": "https://reddit.com/r/askcarsales/comments/1ql1brr/rate_this_pay_plan_at_a_texas_toyota_dealership/" }, { "title": "CPO feels to good to be true?", "subreddit": "askcarsales", "num_comments": 12, "score": 0.838, "selftext": "We\u2019ve been looking to purchase a hybrid CRV Sport-L and found a 2026 CPO one at a local Honda dealership. It has 5,500 miles on it and it looks and drives great and the price is fantastic. So fantastic that it concerns me a little bit? The carfax is clean: 1 owner, it was a commercial vehicle, and there\u2019s nothing concerning in the service history. Per the carfax it was offered for sale as a CPO on 1/15/26 so it\u2019s been at the dealership for a while. It\u2019s listed for $35,998 which is $2,000-$4,000 ", "url": "https://reddit.com/r/askcarsales/comments/1qz8tgw/cpo_feels_to_good_to_be_true/" }, { "title": "Saving up for first car, will a large down payment mean I'll have a hard time at the dealership?", "subreddit": "askcarsales", "num_comments": 11, "score": 0.838, "selftext": "I'm 20 and saving up for my first car (on my own)for the end of this year. If I am honest, I really don't know much about buying cars so I am trying to find out all I can. \n\nI plan to have 12k saved for a down payment on a 22\\~24k car. This is because at my younger age and with the level I am in my job(and being a student), I can't afford large monthly payments, but I need a reliable car. I have been told that salesmen don't like larger down payments, but if I go in December '26/January '27 and ", "url": "https://reddit.com/r/askcarsales/comments/1qfsje7/saving_up_for_first_car_will_a_large_down_payment/" }, { "title": "Should I trade my car in?", "subreddit": "askcarsales", "num_comments": 13, "score": 0.836, "selftext": "I have a 2018 honda civic type r with aftermarket parts. Im sitting at 135k miles im currently financing the vehicle through my bank. This passed year i racked up 50k miles on it never had an issue i keep maintenance up to date with brakes oil etc. Since I put on 50k miles this year I was wondering if I should trade it in and get something cheaper? And if so how should I go about it I still owe the bank around 10k", "url": "https://reddit.com/r/askcarsales/comments/1qz7ux3/should_i_trade_my_car_in/" }, { "title": "Can I make working at a car dealership a career?", "subreddit": "askcarsales", "num_comments": 7, "score": 0.834, "selftext": "I\u2019ve been working at this car dealership for a little bit, I\u2019ve had some prior experience doing parts inventory, now I\u2019m a porter, I\u2019m just wondering if it\u2019s worth trying to establish a career in this field. \n\nI have a degree and I feel like I could be successful at anything I put my mind towards- I\u2019m just curious. \n\nMight be worth to note that my mother is a HR Payroll Manager, so could that also possibly work in my favor? ", "url": "https://reddit.com/r/askcarsales/comments/1qyz21k/can_i_make_working_at_a_car_dealership_a_career/" }, { "title": "Sales so far this January", "subreddit": "askcarsales", "num_comments": 11, "score": 0.834, "selftext": "How have your sales been this month? Normal for a January?", "url": "https://reddit.com/r/askcarsales/comments/1qo0jvg/sales_so_far_this_january/" }, { "title": "Totaled car value from State Farm", "subreddit": "Insurance", "num_comments": 51, "score": 0.834, "selftext": "OK, I\u2019m looking for some help. My car was totaled. I\u2019m not at fault. I paid 17,000 exactly 2 years ago. I know I\u2019m not gonna get that much back wasn\u2019t expecting that however they sent me the offer today of $8400.\n\nIn the three comps they gave were around $10,000-11000\n\nThey basically pulled them from two tiny dealerships that only have maybe like 30 cars and then one big dealership\n\nThe details about my car we\u2019re all incorrect as far as saying that my seats were scratched, and this is headliner ", "url": "https://reddit.com/r/Insurance/comments/1qqwfcf/totaled_car_value_from_state_farm/" }, { "title": "Buying a car, but my APR seems like rlly bad", "subreddit": "personalfinance", "num_comments": 253, "score": 0.832, "selftext": "So before i talk abt this im active duty millitary, and possibly a little broke because i live in a high cost state.\n\nBasically in trying to buy a car and my APR wld be 18% for 72 months after getting an auto loan for $15,000 dollars. It would be less but i have no credit, and have never owned a credit card. Also im 19. Any thoughts if im getting jipped?\n\n\\-edit. So the general concensous is absolutely the hell not, ill just probably buy a beater. Thank you all for the help!\n\n(Also yes, ill be o", "url": "https://reddit.com/r/personalfinance/comments/1r0o0vj/buying_a_car_but_my_apr_seems_like_rlly_bad/" }, { "title": "Afraid of getting charged extra using my own financing", "subreddit": "askcarsales", "num_comments": 26, "score": 0.832, "selftext": "Hi, I'm soon to purchase a car I love and I'm not financing through the dealer instead through a credit union of my own that does not directly work with them. I was looking at the website of the car on the dealership website again and noticed it saying \"All prices include a $1,000 finance incentive plus tax\" I'm afraid that they'll remove that discount that they added to car because I'm getting outside financing. I need a bill of sale/purchase agreement from them to take to the credit union so t", "url": "https://reddit.com/r/askcarsales/comments/1qzfhuo/afraid_of_getting_charged_extra_using_my_own/" }, { "title": "Will a down payment eliminate the need for a cosigner?", "subreddit": "askcarsales", "num_comments": 34, "score": 0.832, "selftext": "Looking to buy a 2015 Audi S4 for $13,500. I\u2019m 22, out of school, working full time making 52k a year. I have been an independent person since 18, MechE grad now. I own everything I have, this will be my first auto loan. I have low credit from inactivity but working to bring it back up. After speaking with the dealerships finance department they had said all I need is a cosigner. They agreed to do little to no down payment and start payments immediately. Today the dealership is closed so I ask ", "url": "https://reddit.com/r/askcarsales/comments/1qmj5tn/will_a_down_payment_eliminate_the_need_for_a/" }, { "title": "At what point do you replace your old used vehicle?", "subreddit": "Frugal", "num_comments": 78, "score": 0.832, "selftext": "Hello everyone! I was speaking to someone about when its the right time to replace your car, as I was looking around for a newer used vehicle (2015-2016). I am 20M in North East US (not sure if that info is helpful). My current vehicle, a 2013 Nissan Altima is having issues. Transmission issues.\n\n It will cost anywhere from 7k<Other mechanic to \n8.5k <--Nissan Dealer to replace with remanufactured trans. I won't do rebuilt as I heard awful things. The remanufactured would come with a warra", "url": "https://reddit.com/r/Frugal/comments/1qus3yg/at_what_point_do_you_replace_your_old_used_vehicle/" }, { "title": "Why did the dealer just mark the car i was coming to see as \u2018Sold\u2019?", "subreddit": "askcarsales", "num_comments": 17, "score": 0.83, "selftext": "Hi so this is my first time buying a car from a dealership as my first car i got on Craigslist (RIP Riahnnon she finally bit the dust after 7 years). I found a used 1999 Toyota Tacoma at a dealership, contacted the dealership, set up an appointment for this Tuesday to come look at the car and got my financing in order. Just this morning though i got a message from the car site i found it on that the Tacoma had just been sold! The dealer hadn\u2019t said anyone else was looking at it, did i just lose ", "url": "https://reddit.com/r/askcarsales/comments/1qzbly5/why_did_the_dealer_just_mark_the_car_i_was_coming/" }, { "title": "Car Gurus \"Good Deal\" rating", "subreddit": "askcarsales", "num_comments": 12, "score": 0.83, "selftext": "How accurate is Car Gurus info on used cars for sale?\n\nI'm interested in a 2024 Corolla Cross AWD SE, approximately 18,000 mileage, with an approximate price of $27,500. If Car Gurus is correct, this was originally priced at almost $30,000 with a recent price reduction of $1,000, and the current price is supposedly $1,200 below market value.\n\nI realize there is a waiting list for new ones and dealers aren't offering discounts but I'd appreciate any insight into whether there might be room for ne", "url": "https://reddit.com/r/askcarsales/comments/1qjzobg/car_gurus_good_deal_rating/" }, { "title": "Used 2012 Ford Focus Jumped Title", "subreddit": "askcarsales", "num_comments": 3, "score": 0.8280000000000001, "selftext": "Hello, I'm in CA and I just bought my first car from a private party.\n\nI paid $500 for a 2012 Ford Focus in Visalia California, unfortunately I think the person title jumped because they did not register the vehicle in their name and they never signed the title. I saw a signature on the title but it was from 12/28/25 and I bought the vehicle yesterday 2/6/26. What do I do from here? Its tags expired literally four days ago on 2/2/26 so I need to renew the registration and transfer the title into", "url": "https://reddit.com/r/askcarsales/comments/1qyzl45/used_2012_ford_focus_jumped_title/" }, { "title": "Car downpayment", "subreddit": "askcarsales", "num_comments": 9, "score": 0.8280000000000001, "selftext": "Hey guys..Long story short. I financed honda crv touring about 2 years ago in 2023 November and put down a down payment of 5k in total ( 1k to reserve the vehicle then 4k to close the desl)\n\nRecently i logged into my online account for honda finance and was looking through my payment history and found out that the the initial down payment was listed as 1779.50$ on their website? I was shocked.. and quickly called honda finance canada to confirm if this was true. They said according to their file", "url": "https://reddit.com/r/askcarsales/comments/1qbmy3l/car_downpayment/" }, { "title": "What\u2019s you all\u2019s financial approach to car buying?", "subreddit": "askcarsales", "num_comments": 32, "score": 0.8260000000000001, "selftext": "Are ya'll ok with extended loan terms? Obviously we seem to be in a debt crisis. My personal view is that if you can't pay it off in less than two to three years, it's too expensive. Obviously paying cash is even better and there are plenty of cool cars under 20k.\n\nEven as a lifelong car enthusiast, I can't bring myself to become enslaved to what is essentially a toy. Just gotta get my money up. Also a lot of people seem to buy cars just to impress others, but that's useless because there's alwa", "url": "https://reddit.com/r/askcarsales/comments/1qyxx35/whats_you_alls_financial_approach_to_car_buying/" }, { "title": "Customer Survey", "subreddit": "askcarsales", "num_comments": 15, "score": 0.8240000000000001, "selftext": "I recently bought a vehicle and had a great experience. The sales kid (he\u2019s not even legal drinking age) is brand new. He was very helpful and even surprised me with the color I like. I gave him a very good review on Google. I even told the GM that I chose them because of the sales person.\n\nYesterday, the sales guy called me and said that he was told that I haven\u2019t filled out the survey from the manufacturer. He was clearly stressed about it. I asked if the boss was giving him a hard time, and h", "url": "https://reddit.com/r/askcarsales/comments/1qyf5ke/customer_survey/" }, { "title": "Manheim title issues", "subreddit": "askcarsales", "num_comments": 4, "score": 0.8240000000000001, "selftext": "any dealers on here that work with Manheim know how good they are at getting title issues fixed? We just started buying with them and already have a title issue that needs fixed, and I'm sure there are more to come.", "url": "https://reddit.com/r/askcarsales/comments/1qxjb4g/manheim_title_issues/" }, { "title": "Should I finance a car and pay it off immediately so the dealer gets their finance payout and I get a deal?", "subreddit": "personalfinance", "num_comments": 131, "score": 0.8220000000000001, "selftext": "I\u2019ve never bought a car at a dealership so I don\u2019t know what really goes on there. I also don\u2019t intend to soon. I had this thought that if I intended to buy a car in cash, could I go there and level with the salesman saying \u201cI know you need your finance payouts so you can sell the loan, so if I sign a loan with no prepayment penalty, and stay on it the minimum length before there\u2019s any clawback from you, can you give me a better deal?\u201d\n\nI don\u2019t know exactly how it works, but I know that the real", "url": "https://reddit.com/r/personalfinance/comments/1qpuu1q/should_i_finance_a_car_and_pay_it_off_immediately/" }, { "title": "Illinois car dealer didn\u2019t pay off lien after trade-in \u2014 payoff check bounced NSF (Ally Financial)", "subreddit": "askcarsales", "num_comments": 10, "score": 0.8220000000000001, "selftext": "Posting this to warn others and also see if anyone has dealt with this situation.\n\nI completed a vehicle transaction with a dealership in Illinois in **November 2025**. I sold my vehicle to the dealer and purchased another vehicle from them as part of the deal. The dealer was responsible for paying off my existing lien with **Ally Financial**.\n\nI wired the dealer **$26,103.70** on **11/17/25** (first business day after the transaction). The dealer repeatedly claimed the payoff had been sent. I h", "url": "https://reddit.com/r/askcarsales/comments/1qymwqv/illinois_car_dealer_didnt_pay_off_lien_after/" }, { "title": "Will my deposit truly hold the car?", "subreddit": "askcarsales", "num_comments": 7, "score": 0.8220000000000001, "selftext": "Over a month ago, I put a deposit on a new 2026 vehicle that was \"in transit.\" No one has any inventory of this vehicle on the lot yet. The dealer had the car on their website, including the VIN etc. I understood it would not be delivered to the dealer for at least several weeks.\n\nMy last info from the dealer was that it was due to be delivered \"between Jan 20 and Feb 2.\" We're halfway through that time period now, with no update.\n\nMy concern is that I have some business travel at the end of ", "url": "https://reddit.com/r/askcarsales/comments/1qnj7j4/will_my_deposit_truly_hold_the_car/" }, { "title": "Dealership red flags-should I avoid it altogether?", "subreddit": "askcarsales", "num_comments": 8, "score": 0.8200000000000001, "selftext": "I got my license recently and decided to test drive a used 2013 Honda Fit today at a dealer I\u2019d never been to before (to finance). I guess I\u2019m just looking for reassurance on if these really are red flags and if I should stay away. I do really want to give this car a fair try though (and hopefully ignore the way the seller is)\n\nThe dealer came with me for the test drive that was probably 10 or 15 minutes (i wish it was longer so i could get a good feel of the pedals) He wouldn\u2019t allow me to go t", "url": "https://reddit.com/r/askcarsales/comments/1qyusqs/dealership_red_flagsshould_i_avoid_it_altogether/" }, { "title": "Is there a real \u201cprices paid\u201d database by region?", "subreddit": "askcarsales", "num_comments": 17, "score": 0.8200000000000001, "selftext": "BLUF: I\u2019m wondering whether a reliable, region-specific, crowd-sourced database of actual car prices paid exists and if not, why something like that hasn\u2019t worked. \n\n\\*Disclaimer: I used AI to write the rest of this\\*\n\nIs there any legitimate site or forum where buyers report what they actually paid for a car \u2014 including trim, incentives, dealer add-ons, and region \u2014 not just estimates or listing prices?\n\nI\u2019m familiar with TrueCar, Edmunds TMV, KBB, etc., but those still feel pretty abstract com", "url": "https://reddit.com/r/askcarsales/comments/1qlwqm5/is_there_a_real_prices_paid_database_by_region/" }, { "title": "Bought vehicle in Los Angeles, CA, won't pass smog test", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.8200000000000001, "selftext": "Hey guys last weekend I bought a vehicle in Location: Los Angeles, CA from a private seller (hereby known as HIM/HE/HIMSELF) who HIMSELF had recently purchased the vehicle from a dealer/wholesale, and I paid $3000 for it. When I received the State of California Certificate of Title it came attached with 2 pages of form REG 262 (REV. 10/2011). In the first page, it was a transaction from the dealer/wholesaler giving ownership of the vehicle to HIM. Then on the second page ownership was supposed t", "url": "https://reddit.com/r/legaladvice/comments/1r26tp4/bought_vehicle_in_los_angeles_ca_wont_pass_smog/" }, { "title": "2015 Chevrolet equinox, to keep or to sell?", "subreddit": "askcarsales", "num_comments": 4, "score": 0.8180000000000001, "selftext": "Hi, I have a 2015 Chevrolet equinox with approx 160k miles on it, it runs fine but the AC no longer works, nor do the air tire sensors. Quote from the dealership was $2k+ to get a new compressor for the ac\u2026 is that worth it at this point? I have not taken it to an auto shop for another quote yet, but is there much sense to start dumping money into this car or is it time to move on? If anyone has sold a similar car/condition, what might I expect to get for it in its current condition?\n\nI live whe", "url": "https://reddit.com/r/askcarsales/comments/1qyo9b4/2015_chevrolet_equinox_to_keep_or_to_sell/" }, { "title": "Used car still in prior owner\u2019s name, dealer not responsive to requests to provide sales packet (TEXAS)", "subreddit": "askcarsales", "num_comments": 11, "score": 0.8180000000000001, "selftext": "I bought a used car from a large dealership almost a month ago. The car had just been traded in 2 days prior, and I signed paperwork in F&I but the dealership explained it was pending their inspection process and a promised repair (wheels). I left in my old car with no paperwork. From my perspective the deal was waiting to be consummated. I went back to pick up car and there was a newly discovered problem with the suspension. It has a strong torque steer and torn upper control arms, which wo", "url": "https://reddit.com/r/askcarsales/comments/1qkgcil/used_car_still_in_prior_owners_name_dealer_not/" }, { "title": "Buying off Marketplace", "subreddit": "askcarsales", "num_comments": 3, "score": 0.8160000000000001, "selftext": "Hey everyone, looking for advice.\n\nTrying to buy this GX 470 off marketplace, everything checks out. Although, on the carfax I notice that two weeks ago it was listed for sale at a Volvo dealer. It\u2019s now not listed at the dealer and for private sale on marketplace. I called the dealer and they didn\u2019t seem to know what car I was talking about off the top of my head. Seems like the seller flips cars, he has a few posted and a lot sold historically.\n\nIs this common? Has anyone seen this before? Sho", "url": "https://reddit.com/r/askcarsales/comments/1qyt5s9/buying_off_marketplace/" }, { "title": "Small Town Dealer", "subreddit": "askcarsales", "num_comments": 6, "score": 0.8160000000000001, "selftext": "Hey everybody, just needing some advice so be gentle with me please. I am a female salesperson working at a Toyota dealer in a smaller town of around 50k or so people. It is a college town and has older small town values meaning a lot of people have a salesperson they buy from and are loyal to. I have been in new car sales for 2 years now and haven\u2019t seen any real growth on my end when it comes to finances and customer base. I cold call/ text, take ups, I\u2019m all over the internet constantly marke", "url": "https://reddit.com/r/askcarsales/comments/1qkaty7/small_town_dealer/" }, { "title": "Confused about buyout options for lease", "subreddit": "askcarsales", "num_comments": 16, "score": 0.8140000000000001, "selftext": "I have a Kia K5 2023 GT lease that ends next month. I have two payments left on it. Residual value is $18K with no additional purchase option fee per my contract. \n\nI\u2019m confused how the buyout options work as this is my first lease. Do I have to pay an additional $18K to own the car or what do I have to pay in the end to own it? Sorry if that\u2019s a dumb question as I\u2019m new to all this. \n\nWould it be a better option to have another dealership buyout my lease and use that equity as the down payment ", "url": "https://reddit.com/r/askcarsales/comments/1qys4dt/confused_about_buyout_options_for_lease/" }, { "title": "Why is \u201ccleaning deals\u201d still such a mess at dealerships?", "subreddit": "askcarsales", "num_comments": 40, "score": 0.8140000000000001, "selftext": "I\u2019m trying to understand something I keep hearing from both sales and F&I folks.\n\nIt seems like a huge percntage of deals end up getting delayed because\u00a0something\u00a0is missing. Like buyer guides, OFAC, red flag reports, recall disclosures, signatures... \n\nIn the process of buying my last car, I actually had to GO BACK to the dealership because they forgot to get my signature on a form.\n\nWhy is this so hard for dealerships? This feels like something that should have been solved a long time ago.", "url": "https://reddit.com/r/askcarsales/comments/1qjicpe/why_is_cleaning_deals_still_such_a_mess_at/" }, { "title": "Car sale changed from 72 months to 75", "subreddit": "askcarsales", "num_comments": 6, "score": 0.812, "selftext": "Me and my wife bought a new Nissan Pathfinder when we originally got the approval from the bank The sales guy gave us a paper with the monthly payment and for 72 months, he said gap an extra warranty would be extra. We took the paper home and sat on it for a few days. We went back today to purchase it and I noticed it said 75 months, payments were still the same And I asked him I believe it was 72 months why is it saying 75 months now and he said that he didn\u2019t remember if it was 72 or 75 but th", "url": "https://reddit.com/r/askcarsales/comments/1qz2oj0/car_sale_changed_from_72_months_to_75/" }, { "title": "Bought accident free cpo, after 9 months accident + owner changes appear on carfax", "subreddit": "askcarsales", "num_comments": 36, "score": 0.812, "selftext": "As the title states. Accident was for 21k and happened in mar 2023, car was purchased mar 2025. No accident on carfax provided to me by dealer upon purchase. I was informed of the accident and provided the carfax by a new dealer when trying to trade car in. This was a reputable dealer. Do I have any recourse?", "url": "https://reddit.com/r/askcarsales/comments/1qeaxyf/bought_accident_free_cpo_after_9_months_accident/" }, { "title": "I currently work for a wholesaler, but I've been exploring retail opportunities as it aligns with my previous sales experience selling software.\n\nHas anyone ever went from wholesale to retail before? If so, what was your experience and would you recommend it.", "subreddit": "Insurance", "num_comments": 2, "score": 0.812, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1r1azng/i_currently_work_for_a_wholesaler_but_ive_been/" }, { "title": "Is this good?", "subreddit": "askcarsales", "num_comments": 4, "score": 0.81, "selftext": "I\u2019m in the SF Bay Area. I got a 2026 Honda CRV Trailsport that was selling at $40,250 down to $35,800 after lots of going back and forth. That\u2019s the OTD price. Good deal? I feel good about it, idk. \ud83e\udd37\ud83d\ude05", "url": "https://reddit.com/r/askcarsales/comments/1qyr76h/is_this_good/" }, { "title": "Career Change", "subreddit": "askcarsales", "num_comments": 5, "score": 0.81, "selftext": "so i work for a an independent auto parts store and i have been looking at moving to selling cars at a dealership. i\u2019m comfortable where im at and i enjoy working in the automotive industry but i want something that i have the opportunity to make more money and i want to dress nice everyday lol. sooooo can you guys tell me the honest pros and cons on selling!?! ", "url": "https://reddit.com/r/askcarsales/comments/1qdroqb/career_change/" }, { "title": "Mechanic holding car unless we sign waiver", "subreddit": "LegalAdvice", "num_comments": 73, "score": 0.81, "selftext": "Location: Texas.\n\nWe took our 2015 Volkswagen Tiguan to a mechanic because the low pressure oil light came on. The shop is located in Montgomery County, Texas. They told us it was \u201can issue with the engine\u201d but never gave a written diagnosis or estimate. We were never asked to sign any authorization forms.\n\nAfter about three days the shop said they had to remove the engine to diagnose the issue and quoted $895 for that diagnostic. We verbally authorized only the $895 diagnostic based on that rep", "url": "https://reddit.com/r/legaladvice/comments/1qglxva/mechanic_holding_car_unless_we_sign_waiver/" }, { "title": "Has any customer ever walked into a dealership asking for a car not even sold in the country?", "subreddit": "askcarsales", "num_comments": 16, "score": 0.808, "selftext": "Curious to see if anyone has ever had a customer ask for a Toyota Hilux, Volkswagen Polo, Ford Mondeo, etc. or if you know of any customers who asked for a brand not sold here (like Skoda, Peugeot, BYD).", "url": "https://reddit.com/r/askcarsales/comments/1qxzo7h/has_any_customer_ever_walked_into_a_dealership/" }, { "title": "How new are \"loss control inspections?\" I've been a business owner for 20 years and this is the first time i've ever been required for this to happen.", "subreddit": "Insurance", "num_comments": 4, "score": 0.808, "selftext": "What is the purpose? Why are they asking me how much my annual gross receipts are? ", "url": "https://reddit.com/r/Insurance/comments/1r19e7f/how_new_are_loss_control_inspections_ive_been_a/" }, { "title": "Will I have any issues registering this car and transferring title when FL DMV record says there is a stop due to toll fees?", "subreddit": "askcarsales", "num_comments": 4, "score": 0.806, "selftext": "Looked up title and vin of car I'm thinking of purchasing and it says there is a stop on it due to unpaid toll", "url": "https://reddit.com/r/askcarsales/comments/1qyq89f/will_i_have_any_issues_registering_this_car_and/" }, { "title": "What is a realistic salary for a first year car salesman?", "subreddit": "askcarsales", "num_comments": 21, "score": 0.806, "selftext": "DFW area, no experience ", "url": "https://reddit.com/r/askcarsales/comments/1qv0tot/what_is_a_realistic_salary_for_a_first_year_car/" }, { "title": "Car help", "subreddit": "askcarsales", "num_comments": 7, "score": 0.804, "selftext": "Hi,\n\nSo I just graduated from college and started my new job as a nurse at a hospital and I signed a contract for a sign on bonus as I'm already planning to stay within this particular hospital system for the time comitted and I am due to receive the bonus within the next two months if not earlier. I am planning using 3K-4K as a down payment. With that being said, I am planning on getting a car soon as waking up 4 hours early for buses (even though my job is only 20 minutes away on a bad day) a", "url": "https://reddit.com/r/askcarsales/comments/1qyq3gi/car_help/" }, { "title": "Career advice.", "subreddit": "askcarsales", "num_comments": 11, "score": 0.804, "selftext": "I\u2019ve been in customer service for almost 3 years. Six months of those years I\u2019ve been a receptionist at a rv dealership, working with the sales team. I\u2019ve been wanting to get into car sales since I was younger, however I have had no sales experience. I talk with the sales team here about tips I can use, but I still feel discouraged about going into this field. Is there any advice, books, or online information people could recommend for me? I am 18, almost 19", "url": "https://reddit.com/r/askcarsales/comments/1qtxmil/career_advice/" }, { "title": "Selling 2022 Lexus NX 350h Executive Trime", "subreddit": "askcarsales", "num_comments": 8, "score": 0.802, "selftext": "Hey folks, I want to know if it's possible for this 2022 Lexus NX 350h Executive trim to be sold at above 50k CAD, it has just 46k kms on it and also has extensive coverage plan warranty till next 8 years!", "url": "https://reddit.com/r/askcarsales/comments/1qyplvz/selling_2022_lexus_nx_350h_executive_trime/" }, { "title": "Is this 0% APR deal actually good for a 2026 Toyota bZ XLE AWD?", "subreddit": "askcarsales", "num_comments": 21, "score": 0.802, "selftext": "Dealer offered 0% APR with a $6k rebate on a 2026 bZ XLE AWD.\n\nMSRP: $42,702\n\nTax: 7%\n\nOptions shown are 60 / 66 / 72 months at 0% with different down payments: https://imgur.com/a/W13WMaR\n\nIt feels a bit expensive, but everywhere I look new cars are \\~$45k+, so landing under $40k OTD still seems decent. Curious if this actually checks out.", "url": "https://reddit.com/r/askcarsales/comments/1qsn31e/is_this_0_apr_deal_actually_good_for_a_2026/" }, { "title": "Interstate Lemon Law VA/MD", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.802, "selftext": "Location: Virginia but purchasing in Maryland \n\nHello I am resident of Virginia that is considering buying a used car that is still under manufacturer warranty in Maryland. Would I be covered under Maryland\u2019s lemon law even though the car would be registered in Virginia? I\u2019m hoping lightning doesn\u2019t strike twice as I am undergoing a strictly Virginia case currently so I\u2019m asking to cover my bases. Thank you. ", "url": "https://reddit.com/r/legaladvice/comments/1r25tc2/interstate_lemon_law_vamd/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 215, "cross_source_count": 1, "reddit_post_count": 215, "question_signal_count": 215, "has_question_signal": true }, { "cluster_id": 3, "topics": [ { "topic_name": "LPT: invite people over to your house!", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/LifeProTips/comments/1qctg49/lpt_invite_people_over_to_your_house/", "signal_type": "question" }, { "topic_name": "LPT Trick to Read Books Fast If you Have No Attention Span", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/LifeProTips/comments/1qhoe6m/lpt_trick_to_read_books_fast_if_you_have_no/", "signal_type": "question" }, { "topic_name": "LPT: If you struggle falling asleep, try the cognitive shuffle technique", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/LifeProTips/comments/1r2dh3s/lpt_if_you_struggle_falling_asleep_try_the/", "signal_type": "question" }, { "topic_name": "LPT: Do not add your work colleagues as your facebook friends", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/LifeProTips/comments/1r0bqkf/lpt_do_not_add_your_work_colleagues_as_your/", "signal_type": "question" }, { "topic_name": "LPT: cut and trim your nails today if you\u2019re planning on putting them in someone else\u2019s body for Valentine\u2019s Day.", "source": "reddit", "region": "global", "score": 0.992, "url": "https://reddit.com/r/LifeProTips/comments/1r07lue/lpt_cut_and_trim_your_nails_today_if_youre/", "signal_type": "question" }, { "topic_name": "I will never be comfortable and I just have to say it outloud", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/povertyfinance/comments/1r1ro9w/i_will_never_be_comfortable_and_i_just_have_to/", "signal_type": "question" }, { "topic_name": "LPT: When your boss keeps adding projects to your \u201cto do\u201d list, but never takes anything off\u2026This simple question can quietly protect your workload level.", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/LifeProTips/comments/1r082o2/lpt_when_your_boss_keeps_adding_projects_to_your/", "signal_type": "question" }, { "topic_name": "LPT: If someone cannot tell you what would change their mind, it is not a discussion. It is a fight. Walk away.", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/LifeProTips/comments/1qgeitn/lpt_if_someone_cannot_tell_you_what_would_change/", "signal_type": "question" }, { "topic_name": "LPT: Before a big plan day, send a two minute expectations text so nobody has to guess.", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/LifeProTips/comments/1r08u4x/lpt_before_a_big_plan_day_send_a_two_minute/", "signal_type": "question" }, { "topic_name": "LPT: How to fix shirts that smell again five minutes after you put them on", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/LifeProTips/comments/1qfplum/lpt_how_to_fix_shirts_that_smell_again_five/", "signal_type": "question" }, { "topic_name": "LPT: Write down the reason you started, not just the goal, so you don\u2019t quit halfway", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/LifeProTips/comments/1r0f31o/lpt_write_down_the_reason_you_started_not_just/", "signal_type": "question" }, { "topic_name": "LPT: Buy bed sheets that have a directional pattern so that you\u2019re never struggling to figure out if you\u2019re putting in on correctly.", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/LifeProTips/comments/1qzu2kp/lpt_buy_bed_sheets_that_have_a_directional/", "signal_type": "question" }, { "topic_name": "LPT: Keep a running journal of your work accomplishments, and ideas. Your future self will thank you.", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/LifeProTips/comments/1qzz06e/lpt_keep_a_running_journal_of_your_work/", "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.", "source": "reddit", "region": "global", "score": 0.978, "url": "https://reddit.com/r/LifeProTips/comments/1qz3r1w/lpt_if_something_is_stressing_you_out_write_down/", "signal_type": "question" }, { "topic_name": "LPT: When a boss asks you to do something, the first instinct is to say \u201cof course\u201d or \u201cno problem\u201d every single time. Don\u2019t say those. I found saying these allows one to reduce one's stress quite significantly.", "source": "reddit", "region": "global", "score": 0.978, "url": "https://reddit.com/r/LifeProTips/comments/1qh7y6l/lpt_when_a_boss_asks_you_to_do_something_the/", "signal_type": "question" }, { "topic_name": "LPT: When a conversation turns into a public interrogation, move it to a private channel fast.", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/LifeProTips/comments/1qyr1hq/lpt_when_a_conversation_turns_into_a_public/", "signal_type": "question" }, { "topic_name": "LPT: Start your weekend with one tiny \u201canchor\u201d habit to make it feel longer", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/LifeProTips/comments/1qyfwe5/lpt_start_your_weekend_with_one_tiny_anchor_habit/", "signal_type": "question" }, { "topic_name": "LPT: Learn how to relax your mind.", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/LifeProTips/comments/1qyuc89/lpt_learn_how_to_relax_your_mind/", "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", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/LifeProTips/comments/1qycacf/lpt_when_you_just_cant_turn_off_or_wake_up_at_3am/", "signal_type": "question" }, { "topic_name": "LPT: Actively \u201cclose\u201d tiny unfinished tasks so they stop draining your attention", "source": "reddit", "region": "global", "score": 0.968, "url": "https://reddit.com/r/LifeProTips/comments/1qytpfu/lpt_actively_close_tiny_unfinished_tasks_so_they/", "signal_type": "question" }, { "topic_name": "LPT: don\u2019t respond to posts that make you angry", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/LifeProTips/comments/1qycw11/lpt_dont_respond_to_posts_that_make_you_angry/", "signal_type": "question" }, { "topic_name": "LPT When reading long documents (contracts, policies, terms), search for words like \u201cexcept\u201d, \u201cunless\u201d, and \u201chowever\u201d that\u2019s where the real conditions and risks usually hide.", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/LifeProTips/comments/1qcgatr/lpt_when_reading_long_documents_contracts/", "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.", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/LifeProTips/comments/1qxtftp/lpt_never_ever_plug_a_space_heater_into_a_power/", "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?", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/LifeProTips/comments/1qxojyg/lpt_request_any_tips_for_when_you_are_with_a/", "signal_type": "question" }, { "topic_name": "LPT: Two Kittens are Easier Than One", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/LifeProTips/comments/1qfjegv/lpt_two_kittens_are_easier_than_one/", "signal_type": "question" }, { "topic_name": "LPT Request: How to find real friends when you seem to overcare about people?", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/LifeProTips/comments/1qy4dt3/lpt_request_how_to_find_real_friends_when_you/", "signal_type": "question" }, { "topic_name": "LPT - If you\u2019re bad with names, add extra information into their contact entry in your phone book.", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/LifeProTips/comments/1qy7qn9/lpt_if_youre_bad_with_names_add_extra_information/", "signal_type": "question" }, { "topic_name": "LPT: Stop storing things where they \u201cmake sense\u201d and put them where you actually look for them", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/LifeProTips/comments/1qxgrol/lpt_stop_storing_things_where_they_make_sense_and/", "signal_type": "question" }, { "topic_name": "LPT - After someone hosts you, send a next day message that names one specific moment you enjoyed. Not a generic thanks.", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/LifeProTips/comments/1qd7qth/lpt_after_someone_hosts_you_send_a_next_day/", "signal_type": "question" }, { "topic_name": "LPT: Rereading your draft over and over? Change the font color", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/LifeProTips/comments/1qxoe8e/lpt_rereading_your_draft_over_and_over_change_the/", "signal_type": "question" }, { "topic_name": "LPT: Once a month, copy 10 job postings for the role you want and tally the repeated skills. Then spend the month building proof for the top 2.", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/LifeProTips/comments/1qwpjru/lpt_once_a_month_copy_10_job_postings_for_the/", "signal_type": "question" }, { "topic_name": "LPT - Two Tips For The Kitchen", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/LifeProTips/comments/1qywcdv/lpt_two_tips_for_the_kitchen/", "signal_type": "question" }, { "topic_name": "LPT Request: how to rest 'properly?'", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/LifeProTips/comments/1qx8yr0/lpt_request_how_to_rest_properly/", "signal_type": "question" }, { "topic_name": "LPT: If you\u2019re the type that loses their keys often, take a photo of them BEFORE you lose them, then you\u2019ll have a photo of what you lost. It\u2019s easier if you text people a photo asking if they\u2019ve seen this set of keys. Works for the job and home keys.", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/LifeProTips/comments/1qyt6g7/lpt_if_youre_the_type_that_loses_their_keys_often/", "signal_type": "question" }, { "topic_name": "LPT - create a new neighbor contact immediately", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/LifeProTips/comments/1qcvz9k/lpt_create_a_new_neighbor_contact_immediately/", "signal_type": "question" }, { "topic_name": "LPT: If you feel anxious engaging with people or being assertive, remember that you're also throwing the ball into their court to take action however they can too.", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/LifeProTips/comments/1qwsgb9/lpt_if_you_feel_anxious_engaging_with_people_or/", "signal_type": "question" }, { "topic_name": "LPT: Introducing people is more than just being polite", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/LifeProTips/comments/1qyo7z5/lpt_introducing_people_is_more_than_just_being/", "signal_type": "question" }, { "topic_name": "LPT: In job interviews, try the STAR method: Situation, Task, Action, Result. Listing exact keywords from the job ad that align with qualifiers from your resume.", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/LifeProTips/comments/1qwdmtm/lpt_in_job_interviews_try_the_star_method/", "signal_type": "question" }, { "topic_name": "LPT: You can remember names easily by associating them with a character from a cartoon, tv show etc", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/LifeProTips/comments/1qy9qf7/lpt_you_can_remember_names_easily_by_associating/", "signal_type": "question" }, { "topic_name": "LPT: Don\u2019t trust your motivation level at night. Morning-you is a completely different person.", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/LifeProTips/comments/1qd113j/lpt_dont_trust_your_motivation_level_at_night/", "signal_type": "question" }, { "topic_name": "\"essential\" oils", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/antiMLM/comments/1qyhmz5/essential_oils/", "signal_type": "question" }, { "topic_name": "LPT - When someone tries to pull you into gossip at work, reply with one neutral line and a question that moves the topic back to facts.", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/LifeProTips/comments/1qw4tal/lpt_when_someone_tries_to_pull_you_into_gossip_at/", "signal_type": "question" }, { "topic_name": "LPT: When something about a person bothers you, wait 24 hours before saying anything\u2026 unless it's urgent.", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/LifeProTips/comments/1qvyi06/lpt_when_something_about_a_person_bothers_you/", "signal_type": "question" }, { "topic_name": "LPT: Many manufacturers of home installations (toilets, sinks, doors, etc) have a consumer hotline to help with minor issues for free", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/LifeProTips/comments/1qwfu29/lpt_many_manufacturers_of_home_installations/", "signal_type": "question" }, { "topic_name": "LPT: Set up a voice to notes for when you're driving.", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/LifeProTips/comments/1qxitmq/lpt_set_up_a_voice_to_notes_for_when_youre_driving/", "signal_type": "question" }, { "topic_name": "Lpt: You arent obligated to defend your past-self, even if your ego tells you otherwise", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/LifeProTips/comments/1qvk9b2/lpt_you_arent_obligated_to_defend_your_pastself/", "signal_type": "question" }, { "topic_name": "LPT Request: What are my (remote) work options?", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/LifeProTips/comments/1qx9fd0/lpt_request_what_are_my_remote_work_options/", "signal_type": "question" }, { "topic_name": "LPT: When you start a new job, ask for one excellent example and one acceptable example of the exact work you will deliver, then copy the format before you start.", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/LifeProTips/comments/1quwmjc/lpt_when_you_start_a_new_job_ask_for_one/", "signal_type": "question" }, { "topic_name": "LPT: Working more than 50 hours a week often reduces productivity instead of increasing it", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/LifeProTips/comments/1quoee2/lpt_working_more_than_50_hours_a_week_often/", "signal_type": "question" }, { "topic_name": "LPT: Keep a quick mistake log at work with three columns, what went wrong, why it happened, what I will change next time.", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/LifeProTips/comments/1qkghdk/lpt_keep_a_quick_mistake_log_at_work_with_three/", "signal_type": "question" }, { "topic_name": "LPT: If someone keeps misunderstanding you, stop rephrasing and start shortening.", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/LifeProTips/comments/1qdnsnc/lpt_if_someone_keeps_misunderstanding_you_stop/", "signal_type": "question" }, { "topic_name": "LPT: Create a will for yourself. If your parent(s) are still alive, urge them to do the same.", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/LifeProTips/comments/1quc2lr/lpt_create_a_will_for_yourself_if_your_parents/", "signal_type": "question" }, { "topic_name": "LPT: Check your pet\u2019s microchip registration. A major registry shut down, leaving many pets still unregistered a year later", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/LifeProTips/comments/1qu3xf4/lpt_check_your_pets_microchip_registration_a/", "signal_type": "question" }, { "topic_name": "LPT: Take screenshots and print your important reservations, tickets, and bookings.", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/LifeProTips/comments/1que46l/lpt_take_screenshots_and_print_your_important/", "signal_type": "question" }, { "topic_name": "LPT: Find the word you\u2019re looking for", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/LifeProTips/comments/1qtzi1d/lpt_find_the_word_youre_looking_for/", "signal_type": "question" }, { "topic_name": "LPT: Choose your emergency contact carefully.", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/LifeProTips/comments/1qtdx8n/lpt_choose_your_emergency_contact_carefully/", "signal_type": "question" }, { "topic_name": "LPT: If you attend a wedding, bring a few band-aids/plasters", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/LifeProTips/comments/1qtrq9a/lpt_if_you_attend_a_wedding_bring_a_few/", "signal_type": "question" }, { "topic_name": "LPT: When you apologize, add one future sentence. Next time I will do X.", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/LifeProTips/comments/1qt0rym/lpt_when_you_apologize_add_one_future_sentence/", "signal_type": "question" }, { "topic_name": "LPT: You don\u2019t owe anyone an immediate response even if you saw the message", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/LifeProTips/comments/1qskvse/lpt_you_dont_owe_anyone_an_immediate_response/", "signal_type": "question" }, { "topic_name": "LPT: When home feels tense, say one simple thing you need right now.", "source": "reddit", "region": "global", "score": 0.894, "url": "https://reddit.com/r/LifeProTips/comments/1qs9s6h/lpt_when_home_feels_tense_say_one_simple_thing/", "signal_type": "question" }, { "topic_name": "LPT: Put a band-aid in your wallet, guys.", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/LifeProTips/comments/1qskpf3/lpt_put_a_bandaid_in_your_wallet_guys/", "signal_type": "question" }, { "topic_name": "LPT: Break doomscrolling by skipping ahead 20 posts and working through them backwards", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/LifeProTips/comments/1qsa9qo/lpt_break_doomscrolling_by_skipping_ahead_20/", "signal_type": "question" }, { "topic_name": "LPT: Turn off your breaker in a power outage", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/LifeProTips/comments/1qs17ti/lpt_turn_off_your_breaker_in_a_power_outage/", "signal_type": "question" }, { "topic_name": "LPT: After a bad break up, do 10 things that your ex would never do with you. You'll feel better and realize how much of yourself was being held back.", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/LifeProTips/comments/1qrn7y7/lpt_after_a_bad_break_up_do_10_things_that_your/", "signal_type": "question" }, { "topic_name": "LPT: For every project, keep a simple stakeholder note: what each person cares about, how they measure success, and how they want updates.", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/LifeProTips/comments/1qc7g4t/lpt_for_every_project_keep_a_simple_stakeholder/", "signal_type": "question" }, { "topic_name": "LPT: if your heater shuts off in freezing temps, check the condensation line", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/LifeProTips/comments/1qs1bqs/lpt_if_your_heater_shuts_off_in_freezing_temps/", "signal_type": "question" }, { "topic_name": "LPT Hard drive usages", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/LifeProTips/comments/1qjwerw/lpt_hard_drive_usages/", "signal_type": "question" }, { "topic_name": "lpt: don't underestimate the power of walking for fitness and productivity", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/LifeProTips/comments/1qrb4uh/lpt_dont_underestimate_the_power_of_walking_for/", "signal_type": "question" }, { "topic_name": "LPT: If you\u2019re unsure whether to keep a piece of clothing, wear it once on a \u201cbad\u201d day", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/LifeProTips/comments/1qqwztc/lpt_if_youre_unsure_whether_to_keep_a_piece_of/", "signal_type": "question" }, { "topic_name": "LPT: If someone says \"pick a time that works for you,\" always give 2 specific options, not an open question back", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/LifeProTips/comments/1qcsddp/lpt_if_someone_says_pick_a_time_that_works_for/", "signal_type": "question" }, { "topic_name": "LPT - wear out a cat with a ceiling fan and tobacco papers", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/LifeProTips/comments/1qri9mu/lpt_wear_out_a_cat_with_a_ceiling_fan_and_tobacco/", "signal_type": "question" }, { "topic_name": "LPT: If a task feels overwhelming, you\u2019re probably trying to decide and execute at the same time. Separate those steps.", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/LifeProTips/comments/1qf55ku/lpt_if_a_task_feels_overwhelming_youre_probably/", "signal_type": "question" }, { "topic_name": "LPT: Keeping track of people\u2019s interests to maintain social connection", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/LifeProTips/comments/1qqra7j/lpt_keeping_track_of_peoples_interests_to/", "signal_type": "question" }, { "topic_name": "LPT: If you go out for work or otherwise and need to get stuff done when you get home, keep your shoes on", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/LifeProTips/comments/1qre23f/lpt_if_you_go_out_for_work_or_otherwise_and_need/", "signal_type": "question" }, { "topic_name": "LPT: Give compliments on effort, not traits.", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/LifeProTips/comments/1qq9xur/lpt_give_compliments_on_effort_not_traits/", "signal_type": "question" }, { "topic_name": "LPT: Stop trying to \"motivate\" yourself and start \"bribing\" your future self.", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/LifeProTips/comments/1qpnof9/lpt_stop_trying_to_motivate_yourself_and_start/", "signal_type": "question" }, { "topic_name": "LPT - If you get admitted to the hospital, have someone bring you your gaming system to hook up to the tv", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/LifeProTips/comments/1qrsdpz/lpt_if_you_get_admitted_to_the_hospital_have/", "signal_type": "question" }, { "topic_name": "LPT: When buying extension cords, check the wire gauge (AWG), not just the length", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/LifeProTips/comments/1qpxgos/lpt_when_buying_extension_cords_check_the_wire/", "signal_type": "question" }, { "topic_name": "LPT: if you own a pet, keep a note on your phone of all the nearby emergency vets.", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/LifeProTips/comments/1qq1e6x/lpt_if_you_own_a_pet_keep_a_note_on_your_phone_of/", "signal_type": "question" }, { "topic_name": "LPT: Wet your hand when catching a mosquito with your hands", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/LifeProTips/comments/1qprafn/lpt_wet_your_hand_when_catching_a_mosquito_with/", "signal_type": "question" }, { "topic_name": "LPT: If a job depends on you being available at all times, it\u2019s under-resourced, not \"high-performing\"!", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/LifeProTips/comments/1qp74kz/lpt_if_a_job_depends_on_you_being_available_at/", "signal_type": "question" }, { "topic_name": "LPT - Talk as little as possible on a customer service call for better success", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/LifeProTips/comments/1qorkcm/lpt_talk_as_little_as_possible_on_a_customer/", "signal_type": "question" }, { "topic_name": "LPT : Check Trees before buying a house AND plant new trees ASAP after buying", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/LifeProTips/comments/1qoehy0/lpt_check_trees_before_buying_a_house_and_plant/", "signal_type": "question" }, { "topic_name": "LPT: Call the hotel you plan to stay at and ask about any planned repairs or on-site work.", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/LifeProTips/comments/1qiq98d/lpt_call_the_hotel_you_plan_to_stay_at_and_ask/", "signal_type": "question" }, { "topic_name": "LPT: Slathering your face in Vaseline when it\u2019s very cold / high wind chill", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/LifeProTips/comments/1qocvvn/lpt_slathering_your_face_in_vaseline_when_its/", "signal_type": "question" }, { "topic_name": "LPT If you find something that makes you laugh to the point of crying, save it somewhere, to build a folder that will always make you laugh", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/LifeProTips/comments/1qemqu7/lpt_if_you_find_something_that_makes_you_laugh_to/", "signal_type": "question" }, { "topic_name": "LPT: End your day with a two line restart note.", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/LifeProTips/comments/1qoicl2/lpt_end_your_day_with_a_two_line_restart_note/", "signal_type": "question" }, { "topic_name": "LPT: Almost Free Way to Insulate Windows", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/LifeProTips/comments/1qnzuhi/lpt_almost_free_way_to_insulate_windows/", "signal_type": "question" }, { "topic_name": "LPT Request: How do you stop doomscrolling before sleep when you\u2019re mentally exhausted?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/LifeProTips/comments/1qkj055/lpt_request_how_do_you_stop_doomscrolling_before/", "signal_type": "question" }, { "topic_name": "LPT request: How do I deal with getting snubbed at work for a promotion?", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/LifeProTips/comments/1qkjhwa/lpt_request_how_do_i_deal_with_getting_snubbed_at/", "signal_type": "question" }, { "topic_name": "LPT: 5 Things I Always Keep in My Car", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/LifeProTips/comments/1qmtl4s/lpt_5_things_i_always_keep_in_my_car/", "signal_type": "question" }, { "topic_name": "LPT Request: How to get over losing a job you loved", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/LifeProTips/comments/1qlcfov/lpt_request_how_to_get_over_losing_a_job_you_loved/", "signal_type": "question" }, { "topic_name": "LPT: Create one shared family rule called Reset Time, then do a 10 minute reset together once a day.", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/LifeProTips/comments/1qmz7to/lpt_create_one_shared_family_rule_called_reset/", "signal_type": "question" }, { "topic_name": "Why do earbuds that block snoring feel like a luxury item", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/Frugal/comments/1qr9fhs/why_do_earbuds_that_block_snoring_feel_like_a/", "signal_type": "question" }, { "topic_name": "LPT: If there is a big snow storm shovel every 2-3 hours.", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/LifeProTips/comments/1qmk83e/lpt_if_there_is_a_big_snow_storm_shovel_every_23/", "signal_type": "question" }, { "topic_name": "LPT: Need to remember a name? Think of an animal that starts with the first 2 letters of the name and try to relate them to the animal", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/LifeProTips/comments/1qonhfo/lpt_need_to_remember_a_name_think_of_an_animal/", "signal_type": "question" }, { "topic_name": "LPT - Before you go to any gathering, bring one small role so you feel useful and less awkward.", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/LifeProTips/comments/1qmrsd1/lpt_before_you_go_to_any_gathering_bring_one/", "signal_type": "question" }, { "topic_name": "LPT: Make sure to keep your heating vents clear in a snowstorm", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/LifeProTips/comments/1qmseyr/lpt_make_sure_to_keep_your_heating_vents_clear_in/", "signal_type": "question" }, { "topic_name": "LPT: When you want to reconnect, send a two part text. One line of real appreciation, then one specific invite.", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/LifeProTips/comments/1qm8e6c/lpt_when_you_want_to_reconnect_send_a_two_part/", "signal_type": "question" }, { "topic_name": "LPT: if u struggle with impulse spending, wait 48 hours before buying anything over $50.", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/LifeProTips/comments/1qdehk9/lpt_if_u_struggle_with_impulse_spending_wait_48/", "signal_type": "question" }, { "topic_name": "LPT: Always set a \"nag date\" the second you ask someone for something, otherwise you will forget.", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/LifeProTips/comments/1qme0zr/lpt_always_set_a_nag_date_the_second_you_ask/", "signal_type": "question" }, { "topic_name": "LPT: Regularly clean up your bank transfer contacts list to avoid accidentally sending money to the wrong person", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/LifeProTips/comments/1qml88b/lpt_regularly_clean_up_your_bank_transfer/", "signal_type": "question" }, { "topic_name": "LPT: buy replacement parts before you need them", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/LifeProTips/comments/1qm17jt/lpt_buy_replacement_parts_before_you_need_them/", "signal_type": "question" }, { "topic_name": "LPT: Trick to remember a long list", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/LifeProTips/comments/1qm2517/lpt_trick_to_remember_a_long_list/", "signal_type": "question" }, { "topic_name": "LPT: Buy a roll of self-amalgamating tape for pipe leaks", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/LifeProTips/comments/1qm2kh5/lpt_buy_a_roll_of_selfamalgamating_tape_for_pipe/", "signal_type": "question" } ], "reddit_posts": [ { "title": "LPT: invite people over to your house!", "subreddit": "LifeProTips", "num_comments": 979, "score": 1.0, "selftext": "A few years ago, I was really missing a sense of community and felt really sad and lonely. I had acquaintances, but no one that I spent a lot of time with. \n\nI started reading a lot about the \u201cloneliness epidemic\u201d, and developed a theory that part of the cause was the lack of spaces to \u201cjust hang out\u201d with people, especially people that you don\u2019t already know well. \n\nSo I started a new thing\u2026 \n\n1) If I met someone that I thought was cool or interesting, I invited them to dinner or an activity at", "url": "https://reddit.com/r/LifeProTips/comments/1qctg49/lpt_invite_people_over_to_your_house/" }, { "title": "LPT Trick to Read Books Fast If you Have No Attention Span", "subreddit": "LifeProTips", "num_comments": 748, "score": 0.998, "selftext": "It will take me an hour to read 20 pages and it feels so frustrating that I don't pick up the book again. So I came up with a new method and it really works.\n\nHere it is: Go to a vibey cafe, library, park with your book of choice (out in public keeps me accountable to actually stick with it vs being at home). Find the audiobook for free on YouTube or Spotify (look for someone who's uploaded it as a podcast so it doesn't eat into your allotted audio book hours); it's usually not difficult to find", "url": "https://reddit.com/r/LifeProTips/comments/1qhoe6m/lpt_trick_to_read_books_fast_if_you_have_no/" }, { "title": "LPT: If you struggle falling asleep, try the cognitive shuffle technique", "subreddit": "LifeProTips", "num_comments": 5, "score": 0.996, "selftext": "Instead of counting sheep or trying to clear your mind (which never works), try the cognitive shuffle: \n \nPick a random letter. Then think of random, unrelated words that start with that letter. Visualize each one briefly before moving to the next. For example: letter B --> banana, barn, butterfly, basketball, bridge, blanket... \n \nThe key is that the words need to be unrelated and random. Your brain can't form a coherent narrative from random images, which prevents the anxious thought lo", "url": "https://reddit.com/r/LifeProTips/comments/1r2dh3s/lpt_if_you_struggle_falling_asleep_try_the/" }, { "title": "LPT: Do not add your work colleagues as your facebook friends", "subreddit": "LifeProTips", "num_comments": 600, "score": 0.994, "selftext": "This also applies to any social media platform. Keep your personal and professional information separate. It\u2019s amazing how many people don\u2019t realize this ", "url": "https://reddit.com/r/LifeProTips/comments/1r0bqkf/lpt_do_not_add_your_work_colleagues_as_your/" }, { "title": "LPT: cut and trim your nails today if you\u2019re planning on putting them in someone else\u2019s body for Valentine\u2019s Day.", "subreddit": "LifeProTips", "num_comments": 301, "score": 0.992, "selftext": "5 days is the sweet spot in time for the nails not to have grown too long and not to be too sharp from a fresh cut.\n\nYour partner will appreciate.", "url": "https://reddit.com/r/LifeProTips/comments/1r07lue/lpt_cut_and_trim_your_nails_today_if_youre/" }, { "title": "I will never be comfortable and I just have to say it outloud", "subreddit": "povertyfinance", "num_comments": 25, "score": 0.99, "selftext": "It\u2019s like several several hours past when I should be sleeping, I\u2019m absolutely delirious from both tiredness and pain, I\u2019m sorry for what I\u2019m about to write if it\u2019s not allowed in the sub, i did try to look through the rules, I will probably delete it in the morning when I have more sense, tw implied SA CSA\n\nI just have to say something, I\u2019m so so tired of not allowing myself to be upset over this, so I just have to put it somewhere, I\u2019m so so horribly upset, I hate knowing that I will never be ", "url": "https://reddit.com/r/povertyfinance/comments/1r1ro9w/i_will_never_be_comfortable_and_i_just_have_to/" }, { "title": "LPT: When your boss keeps adding projects to your \u201cto do\u201d list, but never takes anything off\u2026This simple question can quietly protect your workload level.", "subreddit": "LifeProTips", "num_comments": 212, "score": 0.99, "selftext": "When new tasks keep piling on, most people say yes and hope it all works out. That usually leads to lots of stress, missed deadlines and burnout.\n\nA better way to respond is to force prioritization ***without*** sounding resistant:\n\n**Try saying this: \u201cHappy to take this on. But which of my current priorities can I move to make room for it?\u201d**\n\nThis keeps the focus on \u201ctradeoffs\u201d and reasonable prioritization, not on complaining or resistance. And it can help reduce workplace stress.\n\nIf anyone ", "url": "https://reddit.com/r/LifeProTips/comments/1r082o2/lpt_when_your_boss_keeps_adding_projects_to_your/" }, { "title": "LPT: If someone cannot tell you what would change their mind, it is not a discussion. It is a fight. Walk away.", "subreddit": "LifeProTips", "num_comments": 312, "score": 0.99, "selftext": "When a conversation gets heated, I ask one simple question.\n\nWhat would change your mind on this?\n\nIf they can name something, even one thing, I know they are open to a real discussion. We can talk facts, trade examples, and maybe meet in the middle.\n\nIf they cannot name anything, they are not trying to learn. They are trying to win. In that moment, I stop explaining and I step away.\n\nDo not waste energy on a conversation that has no exit.", "url": "https://reddit.com/r/LifeProTips/comments/1qgeitn/lpt_if_someone_cannot_tell_you_what_would_change/" }, { "title": "LPT: Before a big plan day, send a two minute expectations text so nobody has to guess.", "subreddit": "LifeProTips", "num_comments": 54, "score": 0.988, "selftext": "A lot of stress comes from guessing what the other person expects.\n\nFix it with one simple message that clears pressure fast, like:\n\nAre we doing a gift or no gift\n\nWhat is the budget range \n\nWhat is the vibe, low key or full effort \n\nWhat time window works\n\nExample: No gift. Under $30. Casual and chill. 7 to 10.\n\nIt prevents disappointment and makes the day feel easy for both people.", "url": "https://reddit.com/r/LifeProTips/comments/1r08u4x/lpt_before_a_big_plan_day_send_a_two_minute/" }, { "title": "LPT: How to fix shirts that smell again five minutes after you put them on", "subreddit": "LifeProTips", "num_comments": 422, "score": 0.988, "selftext": "If the underarms of your shirts still smell after washing, or the smell comes back shortly after you put them on, put a little dish soap directly on the armpit area before washing.\n\nThis happens because aluminum antiperspirant builds up in the fabric over time and creates a barrier. Once that layer is there, water and laundry detergent can\u2019t fully penetrate the fibers, so all odors get trapped - not just deodorant, but sweat and bacteria too. That\u2019s why the shirt smells fine out of the dryer, th", "url": "https://reddit.com/r/LifeProTips/comments/1qfplum/lpt_how_to_fix_shirts_that_smell_again_five/" }, { "title": "LPT: Write down the reason you started, not just the goal, so you don\u2019t quit halfway", "subreddit": "LifeProTips", "num_comments": 6, "score": 0.986, "selftext": "A lot of advice focuses on setting clear goals, but I\u2019ve noticed goals are usually the first thing that stop motivating you. Finish the project, lose weight, get a new job, learn a skill. They sound great at the start, but once progress slows or life gets messy, the goal starts feeling far away and kinda hollow. That\u2019s usually the point where I stall out, procrastinate, or quietly give up without really admitting it. \n\nWhat helped more than I expected was writing down the actual reason I start", "url": "https://reddit.com/r/LifeProTips/comments/1r0f31o/lpt_write_down_the_reason_you_started_not_just/" }, { "title": "LPT: Buy bed sheets that have a directional pattern so that you\u2019re never struggling to figure out if you\u2019re putting in on correctly.", "subreddit": "LifeProTips", "num_comments": 103, "score": 0.984, "selftext": "Sometimes it takes me a couple of tries to figure out if I have the longer or shorter corner with solid colored sheets. With sheets that have a directional pattern, like stripes, it\u2019s easier to tell which corner goes where. ", "url": "https://reddit.com/r/LifeProTips/comments/1qzu2kp/lpt_buy_bed_sheets_that_have_a_directional/" }, { "title": "LPT: Keep a running journal of your work accomplishments, and ideas. Your future self will thank you.", "subreddit": "LifeProTips", "num_comments": 52, "score": 0.982, "selftext": "I\u2019ve started doing this a few years ago and it\u2019s been great. Whenever something good happens at work like finished a challenging project, got praise from a manager or a co-worker, came up with an idea, solved a tricky problem, basically made an impact at work: I write it down with the date it happened. \n\nWhy this helps: \n\n**Performance reviews** \\- Instead of trying to remember what you did all year, you have concrete examples ready to go through and select what you want to use. Makes self-evalu", "url": "https://reddit.com/r/LifeProTips/comments/1qzz06e/lpt_keep_a_running_journal_of_your_work/" }, { "title": "LPT: If something is stressing you out, write down the next physical action you can take, not the entire solution.", "subreddit": "LifeProTips", "num_comments": 15, "score": 0.978, "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.", "url": "https://reddit.com/r/LifeProTips/comments/1qz3r1w/lpt_if_something_is_stressing_you_out_write_down/" }, { "title": "LPT: When a boss asks you to do something, the first instinct is to say \u201cof course\u201d or \u201cno problem\u201d every single time. Don\u2019t say those. I found saying these allows one to reduce one's stress quite significantly.", "subreddit": "LifeProTips", "num_comments": 265, "score": 0.978, "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", "url": "https://reddit.com/r/LifeProTips/comments/1qh7y6l/lpt_when_a_boss_asks_you_to_do_something_the/" }, { "title": "LPT: When a conversation turns into a public interrogation, move it to a private channel fast.", "subreddit": "LifeProTips", "num_comments": 95, "score": 0.976, "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.", "url": "https://reddit.com/r/LifeProTips/comments/1qyr1hq/lpt_when_a_conversation_turns_into_a_public/" }, { "title": "LPT: Start your weekend with one tiny \u201canchor\u201d habit to make it feel longer", "subreddit": "LifeProTips", "num_comments": 98, "score": 0.974, "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", "url": "https://reddit.com/r/LifeProTips/comments/1qyfwe5/lpt_start_your_weekend_with_one_tiny_anchor_habit/" }, { "title": "LPT: Learn how to relax your mind.", "subreddit": "LifeProTips", "num_comments": 28, "score": 0.972, "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", "url": "https://reddit.com/r/LifeProTips/comments/1qyuc89/lpt_learn_how_to_relax_your_mind/" }, { "title": "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", "subreddit": "LifeProTips", "num_comments": 334, "score": 0.97, "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", "url": "https://reddit.com/r/LifeProTips/comments/1qycacf/lpt_when_you_just_cant_turn_off_or_wake_up_at_3am/" }, { "title": "LPT: Actively \u201cclose\u201d tiny unfinished tasks so they stop draining your attention", "subreddit": "LifeProTips", "num_comments": 12, "score": 0.968, "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", "url": "https://reddit.com/r/LifeProTips/comments/1qytpfu/lpt_actively_close_tiny_unfinished_tasks_so_they/" }, { "title": "LPT: don\u2019t respond to posts that make you angry", "subreddit": "LifeProTips", "num_comments": 89, "score": 0.966, "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. ", "url": "https://reddit.com/r/LifeProTips/comments/1qycw11/lpt_dont_respond_to_posts_that_make_you_angry/" }, { "title": "LPT When reading long documents (contracts, policies, terms), search for words like \u201cexcept\u201d, \u201cunless\u201d, and \u201chowever\u201d that\u2019s where the real conditions and risks usually hide.", "subreddit": "LifeProTips", "num_comments": 69, "score": 0.966, "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.", "url": "https://reddit.com/r/LifeProTips/comments/1qcgatr/lpt_when_reading_long_documents_contracts/" }, { "title": "LPT: Never, ever plug a space heater into a power strip or extension cord. Plug it directly into the wall outlet.", "subreddit": "LifeProTips", "num_comments": 236, "score": 0.964, "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.", "url": "https://reddit.com/r/LifeProTips/comments/1qxtftp/lpt_never_ever_plug_a_space_heater_into_a_power/" }, { "title": "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?", "subreddit": "LifeProTips", "num_comments": 674, "score": 0.962, "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?", "url": "https://reddit.com/r/LifeProTips/comments/1qxojyg/lpt_request_any_tips_for_when_you_are_with_a/" }, { "title": "LPT: Two Kittens are Easier Than One", "subreddit": "LifeProTips", "num_comments": 177, "score": 0.962, "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.", "url": "https://reddit.com/r/LifeProTips/comments/1qfjegv/lpt_two_kittens_are_easier_than_one/" }, { "title": "LPT Request: How to find real friends when you seem to overcare about people?", "subreddit": "LifeProTips", "num_comments": 26, "score": 0.96, "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.", "url": "https://reddit.com/r/LifeProTips/comments/1qy4dt3/lpt_request_how_to_find_real_friends_when_you/" }, { "title": "LPT - If you\u2019re bad with names, add extra information into their contact entry in your phone book.", "subreddit": "LifeProTips", "num_comments": 22, "score": 0.956, "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", "url": "https://reddit.com/r/LifeProTips/comments/1qy7qn9/lpt_if_youre_bad_with_names_add_extra_information/" }, { "title": "LPT: Stop storing things where they \u201cmake sense\u201d and put them where you actually look for them", "subreddit": "LifeProTips", "num_comments": 120, "score": 0.952, "selftext": "I used to lose the same few items over and over again, keys, scissors, tape, that one charger I always need. I kept moving them to places that felt logical. Drawer for tools, hook for keys, box for cables. And I kept forgetting where they were. What finally clicked for me was noticing where I \\*instinctively\\* went to look for them when they were missing. Not where they should be, but where my brain expected them to be in a rush. \n\nSo I stopped fighting that instinct. If I always looked for my", "url": "https://reddit.com/r/LifeProTips/comments/1qxgrol/lpt_stop_storing_things_where_they_make_sense_and/" }, { "title": "LPT - After someone hosts you, send a next day message that names one specific moment you enjoyed. Not a generic thanks.", "subreddit": "LifeProTips", "num_comments": 77, "score": 0.952, "selftext": "I used to send a simple, thanks for having me. It is polite, but it feels forgettable.\n\nNow I send a next day message with one specific detail. \n\nExample: \n\nThanks again for last night. I really enjoyed the part when we all sat in the kitchen and laughed about those old stories. That was a good night.\n\nIt takes 20 seconds. It makes people feel seen. And it makes it much more likely they will invite you again.\n\nA specific thank you builds real connection fast.", "url": "https://reddit.com/r/LifeProTips/comments/1qd7qth/lpt_after_someone_hosts_you_send_a_next_day/" }, { "title": "LPT: Rereading your draft over and over? Change the font color", "subreddit": "LifeProTips", "num_comments": 12, "score": 0.95, "selftext": "When you proofread your own writing multiple times, your brain starts to skim and you can easily miss typos. A simple trick is to change the font color before your final read. When the text looks different, your brain treats it like new information, which helps your eyes slow down and makes it easier to catch mistakes you might otherwise overlook", "url": "https://reddit.com/r/LifeProTips/comments/1qxoe8e/lpt_rereading_your_draft_over_and_over_change_the/" }, { "title": "LPT: Once a month, copy 10 job postings for the role you want and tally the repeated skills. Then spend the month building proof for the top 2.", "subreddit": "LifeProTips", "num_comments": 95, "score": 0.948, "selftext": "Keep it simple. Make a quick list of the skills that show up again and again. Those are the market signals. Then pick the top 2 and create proof, not just learning. A small project, a work sample, a before and after result, or a short write up.\n\nReal example: \n \nIf you want better roles in digital marketing, pull 10 listings for Paid Search and Performance Marketing. If the same two things keep repeating, like GA4 reporting and landing page testing, spend the month building one dashboard and ", "url": "https://reddit.com/r/LifeProTips/comments/1qwpjru/lpt_once_a_month_copy_10_job_postings_for_the/" }, { "title": "LPT - Two Tips For The Kitchen", "subreddit": "LifeProTips", "num_comments": 10, "score": 0.946, "selftext": "LPT, a Twofer.\n\nFirst, 90% of vegetable peelers go both ways, just like that friend in college, but more efficient.\n\n The grip is what makes it happen best.\n\n Most vegetable peelers are multidirectional. The pivot on the blade isn't just because the surfaces of vegetables are uneven, its also there so you can give your cucumber an upstroke along with that downstroke.\n\nNow let's talk about the grip, it may feel uncomfortable, like its someone else hand when you peel in the opposite direction, so", "url": "https://reddit.com/r/LifeProTips/comments/1qywcdv/lpt_two_tips_for_the_kitchen/" }, { "title": "LPT Request: how to rest 'properly?'", "subreddit": "LifeProTips", "num_comments": 63, "score": 0.944, "selftext": "Hello. I'm a college student, and I have a serious problem in life: I don't know how to rest.\n\nWhen I was in high school, I kept studying all day. And even back then, although I did rest sometimes, watching YouTube or something, I didn't feel like I'm resting well - watching youtube felt like time-wasting.\n\nAnd I could maintain that life because there were a 'clear' goals back then - the school exam that I could face 'right away.' And it made me not care about that problem. It made me 'not reali", "url": "https://reddit.com/r/LifeProTips/comments/1qx8yr0/lpt_request_how_to_rest_properly/" }, { "title": "LPT: If you\u2019re the type that loses their keys often, take a photo of them BEFORE you lose them, then you\u2019ll have a photo of what you lost. It\u2019s easier if you text people a photo asking if they\u2019ve seen this set of keys. Works for the job and home keys.", "subreddit": "LifeProTips", "num_comments": 10, "score": 0.942, "selftext": "", "url": "https://reddit.com/r/LifeProTips/comments/1qyt6g7/lpt_if_youre_the_type_that_loses_their_keys_often/" }, { "title": "LPT - create a new neighbor contact immediately", "subreddit": "LifeProTips", "num_comments": 86, "score": 0.942, "selftext": "I was always rather shy about meeting the neighbors and would often forget names quickly (just bad recall). One of the last times I moved I decided to make a huge change...\n\nAs we were moving in, neighbors popped by to say welcome, so I **pulled out my phone and added their full name, their house #, and their cellphone.** I had 5 neighbor contacts (and applicable spouses) within a couple of days.\n\nTwo months later, I hosted an \"open house\", sent a text out to everyone letting them know that th", "url": "https://reddit.com/r/LifeProTips/comments/1qcvz9k/lpt_create_a_new_neighbor_contact_immediately/" }, { "title": "LPT: If you feel anxious engaging with people or being assertive, remember that you're also throwing the ball into their court to take action however they can too.", "subreddit": "LifeProTips", "num_comments": 26, "score": 0.94, "selftext": "Sometimes we get caught up too much in what other people think of us, as if we're the main character. But your sense of empathy can help you realize that the other person is also an independent actor who's navigating interactions the same way that you are, like a multiplayer game.\n\nAsking someone out? If it's awkward, then respect the other person enough to realize that they're probably feeling as anxious about their response as you. \n\nAsking for a meeting with your boss? You're probably just a ", "url": "https://reddit.com/r/LifeProTips/comments/1qwsgb9/lpt_if_you_feel_anxious_engaging_with_people_or/" }, { "title": "LPT: Introducing people is more than just being polite", "subreddit": "LifeProTips", "num_comments": 11, "score": 0.938, "selftext": "Expanding your circle is the highest-leverage skill you can develop.\n\nKnowing more people is how you make friends, find a partner, land a job, grow a business, move your career forward, and get access to rooms you\u2019d never be invited into otherwise. Almost everything good in life flows through people.\n\nBut here\u2019s the part most people miss: it doesn\u2019t start by trying to be interesting.\n\nIt starts by getting good at introducing people to each other.\n\nBecause when you become the connector, it always", "url": "https://reddit.com/r/LifeProTips/comments/1qyo7z5/lpt_introducing_people_is_more_than_just_being/" }, { "title": "LPT: In job interviews, try the STAR method: Situation, Task, Action, Result. Listing exact keywords from the job ad that align with qualifiers from your resume.", "subreddit": "LifeProTips", "num_comments": 87, "score": 0.9339999999999999, "selftext": "As an example: \"At \\[past company\\] an example of \\[your question\\] would relate to a time where I did x, y, and z. Where I had to do x, y, and z. To do this I did x, y, and z and as a result achieve z, y, and z.\" Fill in x, y, and z with specific keywords that qualify you for the job.\n\nAlso works well in virtual interviews!\n\nGood luck!", "url": "https://reddit.com/r/LifeProTips/comments/1qwdmtm/lpt_in_job_interviews_try_the_star_method/" }, { "title": "LPT: You can remember names easily by associating them with a character from a cartoon, tv show etc", "subreddit": "LifeProTips", "num_comments": 8, "score": 0.9319999999999999, "selftext": "I run large teams, teams change every event. I like to remember at least 80 percent of names. So if your name is Luca, I think Gianluca Vialli Chelsea legend. If its Brenda I think Brenda Song from Zach and Cody. Works for most names, as long as you have an association. Met a girl called Sol, Sol a popular station in Madrid. ", "url": "https://reddit.com/r/LifeProTips/comments/1qy9qf7/lpt_you_can_remember_names_easily_by_associating/" }, { "title": "LPT: Don\u2019t trust your motivation level at night. Morning-you is a completely different person.", "subreddit": "LifeProTips", "num_comments": 59, "score": 0.9319999999999999, "selftext": "Late at night, everything feels doable. Starting a new routine, waking up early, making big plans. If something only sounds realistic at 11 PM, it probably needs to be made easier or scheduled differently. Design plans for tired, unmotivated you, not the optimistic version.", "url": "https://reddit.com/r/LifeProTips/comments/1qd113j/lpt_dont_trust_your_motivation_level_at_night/" }, { "title": "\"essential\" oils", "subreddit": "antiMLM", "num_comments": 4, "score": 0.9299999999999999, "selftext": "A former work friend sends me texts inviting me to her events. It's worded Ike \"see you there\" or \"we'll catch up when I see you at my event\". These people are carefully coached on how to make it look like I have already agreed to go. I know these things because I used to be an Amway distributor and I know the language. Just once it would have been nice to receive a friendly message from her to have lunch and catch up but now I'm not even inclined to do that because she will view me as a sales o", "url": "https://reddit.com/r/antiMLM/comments/1qyhmz5/essential_oils/" }, { "title": "LPT - When someone tries to pull you into gossip at work, reply with one neutral line and a question that moves the topic back to facts.", "subreddit": "LifeProTips", "num_comments": 126, "score": 0.928, "selftext": "Say: I was not in that conversation, so I cannot speak on it. What is the next step, and who owns it?\n\nThis keeps you out of office politics without sounding rude.\n\nIf that feels too direct, use one of these instead.\n\nOption 1: \n\nI do not know the full story. What is the next step? \n\nOption 2: \n\nI never noticed that about them. \n\nOption 3: \n\nSwitch to positive gossip. I have always liked working with them. They are reliable.", "url": "https://reddit.com/r/LifeProTips/comments/1qw4tal/lpt_when_someone_tries_to_pull_you_into_gossip_at/" }, { "title": "LPT: When something about a person bothers you, wait 24 hours before saying anything\u2026 unless it's urgent.", "subreddit": "LifeProTips", "num_comments": 61, "score": 0.926, "selftext": "Many arguments start impulsively. Giving yourself a day lets you see if the problem is still important or if it was just a spur-of-the-moment reaction. If it still bothers you after 24 hours, it's probably worth discussing it more calmly and with better words.", "url": "https://reddit.com/r/LifeProTips/comments/1qvyi06/lpt_when_something_about_a_person_bothers_you/" }, { "title": "LPT: Many manufacturers of home installations (toilets, sinks, doors, etc) have a consumer hotline to help with minor issues for free", "subreddit": "LifeProTips", "num_comments": 6, "score": 0.924, "selftext": "I don't know if anyone else knows this - maybe I'm just dumb - but many manufacturers of larger items in your home, even if they were installed by someone else/a professional, will have a hotline that can help with minor things. \n\nWe had an issue with our toilet not flushing properly, and on advice from a friend, I called the manufacturer. They have a hotline for installation questions and troubleshooting, and after 5 minutes on the phone with them, they found out that a bolt was having problems", "url": "https://reddit.com/r/LifeProTips/comments/1qwfu29/lpt_many_manufacturers_of_home_installations/" }, { "title": "LPT: Set up a voice to notes for when you're driving.", "subreddit": "LifeProTips", "num_comments": 5, "score": 0.922, "selftext": "If you have thoughts or ideas when youre driving and want to remember them later, use your phones AI to set up a voice note. I just activate the ai and say \"add *insert thought* to my driving notes\" and it does just that. Then when im home I can open my notes app and all my thoughts/ideas are there.", "url": "https://reddit.com/r/LifeProTips/comments/1qxitmq/lpt_set_up_a_voice_to_notes_for_when_youre_driving/" }, { "title": "Lpt: You arent obligated to defend your past-self, even if your ego tells you otherwise", "subreddit": "LifeProTips", "num_comments": 68, "score": 0.92, "selftext": "If your past-self made a mistake and your present-self now has different point of view or has grown: Own the mistake and learn from it, dont let your ego get in the way. It will safe you a lot of arguements, fights and might even improve your reputation.", "url": "https://reddit.com/r/LifeProTips/comments/1qvk9b2/lpt_you_arent_obligated_to_defend_your_pastself/" }, { "title": "LPT Request: What are my (remote) work options?", "subreddit": "LifeProTips", "num_comments": 5, "score": 0.918, "selftext": "Hey community,\n\nAs many others, I'm looking for some remote work opportunities. I'd appreciate your feedback and personal stories.\n\nI have a varied skillset across 3 domains:\n\n\\- Accounting: UK-qualified accountant with experience mostly in large companies + 1 startup.\n\n\\- IT: been successfully using SQL / VBA / spreadsheet coding for work in financial reconciliations and process streamlining.\n\n\\- Creative energy work: been practicing emotional and belief releases to achieve greater inner freedo", "url": "https://reddit.com/r/LifeProTips/comments/1qx9fd0/lpt_request_what_are_my_remote_work_options/" }, { "title": "LPT: When you start a new job, ask for one excellent example and one acceptable example of the exact work you will deliver, then copy the format before you start.", "subreddit": "LifeProTips", "num_comments": 115, "score": 0.916, "selftext": "In a new company, most confusion comes from not knowing what good looks like. Ask your manager or a high performing teammate for two real examples of the same deliverable you will own. \n \nOne that was considered excellent and one that was considered acceptable. \n \nUse them to match the structure, level of detail, tone, and where it gets shared. If the work is sensitive, ask for a redacted version or a simple outline screenshot. This helps you align fast without guessing what good looks like", "url": "https://reddit.com/r/LifeProTips/comments/1quwmjc/lpt_when_you_start_a_new_job_ask_for_one/" }, { "title": "LPT: Working more than 50 hours a week often reduces productivity instead of increasing it", "subreddit": "LifeProTips", "num_comments": 99, "score": 0.914, "selftext": "Studies show that output per hour drops sharply beyond 50 hours and long workweeks increase errors and burnout. Personally my body feels tired and later on I feel like finishing the work just for the sake of doing it but I\u2019m not doing it willingly as there is always a pressure to complete things before time!", "url": "https://reddit.com/r/LifeProTips/comments/1quoee2/lpt_working_more_than_50_hours_a_week_often/" }, { "title": "LPT: Keep a quick mistake log at work with three columns, what went wrong, why it happened, what I will change next time.", "subreddit": "LifeProTips", "num_comments": 61, "score": 0.914, "selftext": "I fill it out right after the task while it is fresh. \n\nI improve faster because I stop repeating the same mistake and I can spot patterns.\n\n", "url": "https://reddit.com/r/LifeProTips/comments/1qkghdk/lpt_keep_a_quick_mistake_log_at_work_with_three/" }, { "title": "LPT: If someone keeps misunderstanding you, stop rephrasing and start shortening.", "subreddit": "LifeProTips", "num_comments": 87, "score": 0.912, "selftext": "When people misunderstand us, the instinct is to explain more. Add context. Clarify intentions. Say it again in a different way. Most of the time, that only creates more confusion.\n\nI noticed this at work. The more I explained a decision, the more questions and misinterpretations followed. When I reduced it to one clear sentence, things moved forward.\n\nSame with family conversations. Long explanations turned into arguments. Short, direct statements reduced tension.\n\nMore words often mean more ro", "url": "https://reddit.com/r/LifeProTips/comments/1qdnsnc/lpt_if_someone_keeps_misunderstanding_you_stop/" }, { "title": "LPT: Create a will for yourself. If your parent(s) are still alive, urge them to do the same.", "subreddit": "LifeProTips", "num_comments": 56, "score": 0.91, "selftext": "Going through this myself at the moment, I\u2019ve learned just how important having a will is. You hear it all your life, but you don\u2019t realize how important it is until you\u2019re working through logistics after both parents pass.\n\nPeople (including my parents probably) might assume that having a will is for people with tons of money to bestow as an inheritance and real estate to distribute. Couldn\u2019t be further from the truth. Having a will allows the executor of the estate to not only carry out what s", "url": "https://reddit.com/r/LifeProTips/comments/1quc2lr/lpt_create_a_will_for_yourself_if_your_parents/" }, { "title": "LPT: Check your pet\u2019s microchip registration. A major registry shut down, leaving many pets still unregistered a year later", "subreddit": "LifeProTips", "num_comments": 41, "score": 0.908, "selftext": "Pet owners - it\u2019s been a year since Save This Life pet microchip registry shut down without notice. If your pet was registered with them, that registration is no longer active or linked to your contact information unless you re-registered your pet with another registry.\n\nI work at a shelter, and even though this briefly made the news last year, we still regularly get in lost pets where owners were unaware and thought their pet was registered, but no longer is.\n\nPlease take a minute to verify you", "url": "https://reddit.com/r/LifeProTips/comments/1qu3xf4/lpt_check_your_pets_microchip_registration_a/" }, { "title": "LPT: Take screenshots and print your important reservations, tickets, and bookings.", "subreddit": "LifeProTips", "num_comments": 23, "score": 0.906, "selftext": "Don\u2019t rely on having internet, a working app, or battery life. It can save you in airports, trains, and hotels", "url": "https://reddit.com/r/LifeProTips/comments/1que46l/lpt_take_screenshots_and_print_your_important/" }, { "title": "LPT: Find the word you\u2019re looking for", "subreddit": "LifeProTips", "num_comments": 30, "score": 0.904, "selftext": "In your head, slowly say the ABC\u2019s\n\nThe word or phrase you\u2019re thinking of will start with one of those letters obviously and the majority of the time it works for me when I reach the right letter and a light bulb goes off", "url": "https://reddit.com/r/LifeProTips/comments/1qtzi1d/lpt_find_the_word_youre_looking_for/" }, { "title": "LPT: Choose your emergency contact carefully.", "subreddit": "LifeProTips", "num_comments": 120, "score": 0.902, "selftext": "Hopefully nobody ever has to call your emergency contact. \n\nYour emergency contact should be someone who is less likely to be with you during the emergency, and someone who will be able to act swiftly. \n\nIf you\u2019re the parent who always takes the kids to activities and appointments, use the other parent for the kids emergency contact. Where children are concerned, if there is an emergency they will likely already be with an adult, and if you\u2019re the parent doing most of the ferrying, that adult wo", "url": "https://reddit.com/r/LifeProTips/comments/1qtdx8n/lpt_choose_your_emergency_contact_carefully/" }, { "title": "LPT: If you attend a wedding, bring a few band-aids/plasters", "subreddit": "LifeProTips", "num_comments": 29, "score": 0.9, "selftext": "Many people wear new shoes when they attend a wedding, and many in the wedding party will be doing a lot of walking/dancing/whatever in those kind of shoes. If you have a few band-aids/plasters in your jacket pocket and/or purse, you can help out discreetly when the inevitable blisters start causing discomfort. ", "url": "https://reddit.com/r/LifeProTips/comments/1qtrq9a/lpt_if_you_attend_a_wedding_bring_a_few/" }, { "title": "LPT: When you apologize, add one future sentence. Next time I will do X.", "subreddit": "LifeProTips", "num_comments": 38, "score": 0.898, "selftext": "A lot of apologies, like I am sorry, and then the same thing happens again.\n\nWhat helped me is adding one simple future line that shows the change.\n\nExamples:\n\nI am sorry I got defensive. Next time I will listen first then answer. \n \nI am sorry I forgot. Next time I will put it on my calendar right away.\n\nIt makes the apology feel real because it turns regret into a plan. The future sentence is what rebuilds trust.", "url": "https://reddit.com/r/LifeProTips/comments/1qt0rym/lpt_when_you_apologize_add_one_future_sentence/" }, { "title": "LPT: You don\u2019t owe anyone an immediate response even if you saw the message", "subreddit": "LifeProTips", "num_comments": 210, "score": 0.896, "selftext": "Constant availability trains people to expect instant replies. Responding on your schedule sets healthier boundaries.", "url": "https://reddit.com/r/LifeProTips/comments/1qskvse/lpt_you_dont_owe_anyone_an_immediate_response/" }, { "title": "LPT: When home feels tense, say one simple thing you need right now.", "subreddit": "LifeProTips", "num_comments": 113, "score": 0.894, "selftext": "When the vibe is off at home, I stop hinting and say one simple need in one sentence. No long talk. No blame. Just what I need right now.\n\nExamples I use:\n\nGive me ten minutes, then I can talk.\n\nCan we do a five minute reset in the kitchen together.\n\nPlease lower the volume for a bit, I am overstimulated.\n\nI need a quick hug then I am good.\n\nCan we take a quick walk and reset.\n\nA clear ask prevents mind reading and stops small tension from turning into a bigger fight.\n\nThank you.", "url": "https://reddit.com/r/LifeProTips/comments/1qs9s6h/lpt_when_home_feels_tense_say_one_simple_thing/" }, { "title": "LPT: Put a band-aid in your wallet, guys.", "subreddit": "LifeProTips", "num_comments": 64, "score": 0.892, "selftext": "Endlessly handy. I locked my bicycle to a cart corral and sliced open a knuckle by accident and it only took me the time to pull it out to stop the bleeding before I went into the store. \n\nI threw the packaging from my pocket when I got home. \n\nHave a good one and don't cut yourself! But when you do, have a band-aid handy!", "url": "https://reddit.com/r/LifeProTips/comments/1qskpf3/lpt_put_a_bandaid_in_your_wallet_guys/" }, { "title": "LPT: Break doomscrolling by skipping ahead 20 posts and working through them backwards", "subreddit": "LifeProTips", "num_comments": 43, "score": 0.89, "selftext": "The hardest part of doomscrolling is that the feed is infinite, without any natural cues to stop. The way I\u2019ve found to combat this is to quickly scroll down 20-30 posts (without looking at them), then work backwards till you reach the already-seen posts. Once you reach the top (the post where you started), you hit a natural stopping point. This is a simple task not requiring the sheer willpower of \u201cjust stopping\u201d immediately, and kills the addictive nature of not knowing what\u2019s next.\n\nThe small", "url": "https://reddit.com/r/LifeProTips/comments/1qsa9qo/lpt_break_doomscrolling_by_skipping_ahead_20/" }, { "title": "LPT: Turn off your breaker in a power outage", "subreddit": "LifeProTips", "num_comments": 114, "score": 0.888, "selftext": "We\u2019re currently going through the aftermath of an ice storm, and it reminded me of a tip.\n\nWhen crews are working on power lines, it\u2019s common for electricity to flicker and surge. Those surges can fry appliances and electronics. If you flip off your breakers while the powers out, you protect everything in your house.\n\nI usually leave one on for some lights, so I\u2019ll know when it comes back on. We were down for 4 days this time, so I opted to leave the Ring base station open so it could alert me", "url": "https://reddit.com/r/LifeProTips/comments/1qs17ti/lpt_turn_off_your_breaker_in_a_power_outage/" }, { "title": "LPT: After a bad break up, do 10 things that your ex would never do with you. You'll feel better and realize how much of yourself was being held back.", "subreddit": "LifeProTips", "num_comments": 224, "score": 0.886, "selftext": "", "url": "https://reddit.com/r/LifeProTips/comments/1qrn7y7/lpt_after_a_bad_break_up_do_10_things_that_your/" }, { "title": "LPT: For every project, keep a simple stakeholder note: what each person cares about, how they measure success, and how they want updates.", "subreddit": "LifeProTips", "num_comments": 23, "score": 0.886, "selftext": "For every project, I keep one small note for the key people involved. It saves me from avoidable conflict and last minute surprises.\n\nFor each person, I write three lines.\n\n1. What they care about most\n2. How they measure success\n3. How they want updates and how often\n\nExample: \n\nMy client cared most about sales and wanted a short weekly summary with numbers. \n\nMy designer cared most about clarity and wanted feedback in one message, not five scattered notes. \n\nMy developer cared most about scope", "url": "https://reddit.com/r/LifeProTips/comments/1qc7g4t/lpt_for_every_project_keep_a_simple_stakeholder/" }, { "title": "LPT: if your heater shuts off in freezing temps, check the condensation line", "subreddit": "LifeProTips", "num_comments": 15, "score": 0.882, "selftext": "Somewhere near the furnace, you'll have a PVC pipe coming out of the wall. Water can freeze there as it drips out. If it gets plugged, your heater will shut off as a safety feature. \n\n \nUse a hair dryer to melt the ice or chip it out and you'll be good to go!", "url": "https://reddit.com/r/LifeProTips/comments/1qs1bqs/lpt_if_your_heater_shuts_off_in_freezing_temps/" }, { "title": "LPT Hard drive usages", "subreddit": "LifeProTips", "num_comments": 181, "score": 0.882, "selftext": "Use standard hard drives (HDDs) rather than SSDs if you are storing images and videos for long-term storage, such as storing significant memories on a hard drive and keeping it in a drawer. Solid-State Drives (SSDs) are generally not advised for \"cold storage\" (unplugging a drive and leaving it in a drawer for years), even though they are much faster and more resilient than conventional Hard Disk Drives (HDDs) for everyday use.\n\nThe primary reasons include the physics of information storage and ", "url": "https://reddit.com/r/LifeProTips/comments/1qjwerw/lpt_hard_drive_usages/" }, { "title": "lpt: don't underestimate the power of walking for fitness and productivity", "subreddit": "LifeProTips", "num_comments": 45, "score": 0.878, "selftext": "if you're feeling stuck, unmotivated, or like you don't have time for exercise, try incorporating more walking into your day. you don't need fancy equipment or a gym membership, and it's one of the most low-stress ways to get moving. even just a 15-20 minute walk can clear your head, boost your mood, and improve your focus if you're trying to work or study. it\u2019s not gonna give you huge muscles, but it\u2019s underrated for overall health and mental clarity.\n\nfor example, if you work from home, take a", "url": "https://reddit.com/r/LifeProTips/comments/1qrb4uh/lpt_dont_underestimate_the_power_of_walking_for/" }, { "title": "LPT: If you\u2019re unsure whether to keep a piece of clothing, wear it once on a \u201cbad\u201d day", "subreddit": "LifeProTips", "num_comments": 109, "score": 0.876, "selftext": "If you can\u2019t decide whether to keep or get rid of a piece of clothing, wear it on a day when you\u2019re tired, busy, or in a bad mood.\n\nOn good days, almost anything feels \u201cfine.\u201d But on bad days, clothes that are uncomfortable, impractical, or don\u2019t really fit your lifestyle become obvious very quickly. You\u2019ll notice if it restricts movement, needs constant adjusting, wrinkles easily, or just annoys you.\n\nIf you actively dislike wearing it on a bad day, it\u2019s probably not worth keeping \u2014 no matter h", "url": "https://reddit.com/r/LifeProTips/comments/1qqwztc/lpt_if_youre_unsure_whether_to_keep_a_piece_of/" }, { "title": "LPT: If someone says \"pick a time that works for you,\" always give 2 specific options, not an open question back", "subreddit": "LifeProTips", "num_comments": 50, "score": 0.876, "selftext": "Bad response:\n\n\"When works for you?\"\n\n\n\nNow you're playing email ping pong forever.\n\n\n\nGood response:\n\n\"I'm free Tuesday 2pm or Wednesday 10am - which is better for you?\"\n\n\n\nGets scheduled in one email instead of five.\n\n\n\nSame applies to:\n\n Restaurant choices: \"Thai or Italian?\"\n\nMeeting formats: \"Call or Zoom?\"\n\nAnything with decisions: Give 2 options\n\n\n\nMakes you look organized and saves everyone time.", "url": "https://reddit.com/r/LifeProTips/comments/1qcsddp/lpt_if_someone_says_pick_a_time_that_works_for/" }, { "title": "LPT - wear out a cat with a ceiling fan and tobacco papers", "subreddit": "LifeProTips", "num_comments": 25, "score": 0.874, "selftext": "if you have cats and a ceiling fan and they are full of energy.. get some tobacco papers and throw them into the air to get caught by the up draught, lends to so much fun for cat mum or cat dad and a quickly worn out fur baby as they chase the papers floating around the room especially if you catch it just right", "url": "https://reddit.com/r/LifeProTips/comments/1qri9mu/lpt_wear_out_a_cat_with_a_ceiling_fan_and_tobacco/" }, { "title": "LPT: If a task feels overwhelming, you\u2019re probably trying to decide and execute at the same time. Separate those steps.", "subreddit": "LifeProTips", "num_comments": 22, "score": 0.874, "selftext": "Deciding what to do consumes far more mental energy than doing it. Make decisions first, then execute without revisiting them.", "url": "https://reddit.com/r/LifeProTips/comments/1qf55ku/lpt_if_a_task_feels_overwhelming_youre_probably/" }, { "title": "LPT: Keeping track of people\u2019s interests to maintain social connection", "subreddit": "LifeProTips", "num_comments": 31, "score": 0.872, "selftext": "I\u2019ve heard of people who have mini notebooks to note down what people mention about themselves during conversations so if they see a related resource or events and whatnot later on then they would share it with them.\n\nPersonally, I keep a mental note of a couple unique things people mention and then send them messages here and there to keep the social connection after having met. I think that contributes how I\u2019ve managed to maintain both close friendships and social friends over the years. \n\nI t", "url": "https://reddit.com/r/LifeProTips/comments/1qqra7j/lpt_keeping_track_of_peoples_interests_to/" }, { "title": "LPT: If you go out for work or otherwise and need to get stuff done when you get home, keep your shoes on", "subreddit": "LifeProTips", "num_comments": 14, "score": 0.87, "selftext": "It helps promote the continuation of \u201cproductive\u201d mode in your brain. I think we\u2019ve all been there where we get home and we\u2019re tired so we sit down and then we don\u2019t get back up. This way, you have a reminder to keep moving for a while longer, and once the shoes come off you\u2019re \u201cdone\u201d for the evening and can rest. \n\nOf course this does not apply if you are a shoe-free home. Perhaps in that case a pair of house shoes you only wear when seeking to be productive would be beneficial.", "url": "https://reddit.com/r/LifeProTips/comments/1qre23f/lpt_if_you_go_out_for_work_or_otherwise_and_need/" }, { "title": "LPT: Give compliments on effort, not traits.", "subreddit": "LifeProTips", "num_comments": 59, "score": 0.868, "selftext": "I try to praise what someone did, not what they are. Effort based compliments feel real and they encourage repeat behavior.\n\nExample 1: \n\nInstead of saying you are so smart, I say I respect how you prepared for that meeting and stayed calm under pressure.\n\nExample 2: \n \nInstead of saying you are so calm, I say I saw you stay patient when that guy got rude. That took control.\n\nExample 3: \n \nInstead of saying you are so dedicated, I say you showed up even though you were tired. That effort ma", "url": "https://reddit.com/r/LifeProTips/comments/1qq9xur/lpt_give_compliments_on_effort_not_traits/" }, { "title": "LPT: Stop trying to \"motivate\" yourself and start \"bribing\" your future self.", "subreddit": "LifeProTips", "num_comments": 77, "score": 0.862, "selftext": "Instead of saying \"I need to clean the kitchen,\" tell yourself: \"I\u2019m going to spend 5 minutes loading the dishwasher now so that 'Tomorrow Me' can wake up to a clean sink and a coffee.\" \n\nTreating your future self as a separate person you actually like makes chores feel like a gift you're giving, rather than a punishment you're enduring. \n\nIt sounds cheesy, but the psychological shift is massive.", "url": "https://reddit.com/r/LifeProTips/comments/1qpnof9/lpt_stop_trying_to_motivate_yourself_and_start/" }, { "title": "LPT - If you get admitted to the hospital, have someone bring you your gaming system to hook up to the tv", "subreddit": "LifeProTips", "num_comments": 9, "score": 0.86, "selftext": "Jan. 2nd I had a spontaneous tension pneumothorax (surprise collapsed left lung that put pressure on my heart and restricted blood flow back into it) and spent 13 days in the hospital. \n\nHaving a gaming system was much more stimulating and distracting than getting worse watching cable tv. \n\nMy kids played with me when they visited, and I spent a lot of time laughing with them.", "url": "https://reddit.com/r/LifeProTips/comments/1qrsdpz/lpt_if_you_get_admitted_to_the_hospital_have/" }, { "title": "LPT: When buying extension cords, check the wire gauge (AWG), not just the length", "subreddit": "LifeProTips", "num_comments": 30, "score": 0.858, "selftext": "Many people only look at how long an extension cord is, but the wire gauge determines how much power it can safely handle. Thinner cables overheat faster, especially with heaters or power tools. A slightly thicker cord can last longer and reduce fire risk.\n\n| AWG | \u00d8 (mm) | Area (mm\u00b2) | Max Current (A)* | Max Length (ft)** |\n|-----|--------|------------|-----------------|-----------------|\n| 4 | 5.19 | 21.2 | 70\u201395 | 150\u2013200 |\n| 6 | 4.11 | 13.3 | 55\u201375 ", "url": "https://reddit.com/r/LifeProTips/comments/1qpxgos/lpt_when_buying_extension_cords_check_the_wire/" }, { "title": "LPT: if you own a pet, keep a note on your phone of all the nearby emergency vets.", "subreddit": "LifeProTips", "num_comments": 15, "score": 0.856, "selftext": "For the last few years I\u2019ve kept a note on my iPhone with a list of emergency vets and urgent care vets in my area. It contains the name, phone, address, hours (if applicable), and any other information. \n\nI have a reminder every 6 months on my phone to update the list. \n\nMy cat just had what appeared to be a blood clot and instead of panicking trying to google search emergency vets and seeing a bunch of ai summaries and ads or sponsored results, I just opened my note and called the first vet on", "url": "https://reddit.com/r/LifeProTips/comments/1qq1e6x/lpt_if_you_own_a_pet_keep_a_note_on_your_phone_of/" }, { "title": "LPT: Wet your hand when catching a mosquito with your hands", "subreddit": "LifeProTips", "num_comments": 23, "score": 0.854, "selftext": "The water makes them stick to your hand if you even briefly touch them and stops them escaping. You can dip your fingers in a glass of water then rub on your hands as a ready source.", "url": "https://reddit.com/r/LifeProTips/comments/1qprafn/lpt_wet_your_hand_when_catching_a_mosquito_with/" }, { "title": "LPT: If a job depends on you being available at all times, it\u2019s under-resourced, not \"high-performing\"!", "subreddit": "LifeProTips", "num_comments": 84, "score": 0.852, "selftext": "Keep this in your mind, the next time you think everything relies on you, because you might not get the credits you would expect for your effort", "url": "https://reddit.com/r/LifeProTips/comments/1qp74kz/lpt_if_a_job_depends_on_you_being_available_at/" }, { "title": "LPT - Talk as little as possible on a customer service call for better success", "subreddit": "LifeProTips", "num_comments": 244, "score": 0.848, "selftext": "Source - I have been a customer service phone agent for 6 years. \n\nPeople don't realize that their long-winded, defensive monologue is just making what they want take way longer to be done. Just ask for what you need in a brief statement, and put the ball in the agent's court. I promise we don't want the call to take any longer than you do. \n\nIf you go on an extended tirade, I PROMISE you it will significantly DECREASE your chances of getting what you want. The average agent will be courteous bu", "url": "https://reddit.com/r/LifeProTips/comments/1qorkcm/lpt_talk_as_little_as_possible_on_a_customer/" }, { "title": "LPT : Check Trees before buying a house AND plant new trees ASAP after buying", "subreddit": "LifeProTips", "num_comments": 267, "score": 0.846, "selftext": "If you are buying a new house and the property has trees, have them checked out. Mature trees that are diseased will cost a lot to have removed. \u201cWeed\u201d trees like the Tree of Heaven are invasive and will cause anguish and a lot of work. Negotiate diseased and invasive tree removal in your purchase price.\n\nPlant new trees as soon as you can when you buy a house. They take a while to grow, so the sooner you plant them the sooner you will realize the benefits. Shade, beauty and increased value ", "url": "https://reddit.com/r/LifeProTips/comments/1qoehy0/lpt_check_trees_before_buying_a_house_and_plant/" }, { "title": "LPT: Call the hotel you plan to stay at and ask about any planned repairs or on-site work.", "subreddit": "LifeProTips", "num_comments": 54, "score": 0.846, "selftext": "I learned this the hard way after a few unpleasant surprises upon arrival (a closed pool with no advance notice, pier reconstruction with heavy equipment, etc.)\n\nNow I call the hotel or property ahead of time to ask about any repair or construction work planned during my stay.", "url": "https://reddit.com/r/LifeProTips/comments/1qiq98d/lpt_call_the_hotel_you_plan_to_stay_at_and_ask/" }, { "title": "LPT: Slathering your face in Vaseline when it\u2019s very cold / high wind chill", "subreddit": "LifeProTips", "num_comments": 258, "score": 0.844, "selftext": "The occlusive nature of Vaseline (or any petrolatum skin topical) acts as a barrier between the air and your skin, locking in moisture and protecting it from harsh winds. I don\u2019t feel any windburn when I do this, and my skin sometimes peels on my nose when dry, but this prevents that. I personally prefer Aquaphor over Vaseline, but it\u2019s up to personal preference! They\u2019re also both non-comedogenic, but I know some peoples\u2019 skins react differently. My mom used to do this for us when we were younge", "url": "https://reddit.com/r/LifeProTips/comments/1qocvvn/lpt_slathering_your_face_in_vaseline_when_its/" }, { "title": "LPT If you find something that makes you laugh to the point of crying, save it somewhere, to build a folder that will always make you laugh", "subreddit": "LifeProTips", "num_comments": 43, "score": 0.844, "selftext": "Save every YouTube video, meme, TikTok or anything that makes you cry laugh like never before, on your device, your own discord or any cloud storage for that matter!\n\nDon't just save the links to the pictures or the videos, download them to avoid losing them because of deletion...\n\nAfter a few months, you will have a whole place dedicated to your humor, that will make you laugh every time, furthermore, you'll eventually forget some of the stuff in it, and you'll discover it again every time you'", "url": "https://reddit.com/r/LifeProTips/comments/1qemqu7/lpt_if_you_find_something_that_makes_you_laugh_to/" }, { "title": "LPT: End your day with a two line restart note.", "subreddit": "LifeProTips", "num_comments": 7, "score": 0.842, "selftext": "Before I stop work, I write two lines.\n\nLine 1: Where I stopped.\n\nLine 2: The next tiny action.\n\nExample for self work:\n\nStopped after outlining the blog post.\n\nNext action: write the first 3 lines of the intro and add 2 headings.\n\nExample for management:\n\nStopped after reviewing the Q1 budget draft.\n\nNext action: send the two open questions to Finance and schedule a 15 minute decision call for Thursday.\n\nNext day I start in seconds instead of rereading and delaying.", "url": "https://reddit.com/r/LifeProTips/comments/1qoicl2/lpt_end_your_day_with_a_two_line_restart_note/" }, { "title": "LPT: Almost Free Way to Insulate Windows", "subreddit": "LifeProTips", "num_comments": 253, "score": 0.84, "selftext": "Don't laugh.\n\nClear Bubble Wrap will make a decent multi-pane window out of a drafty single pane. It lets virtually all the natural light in and can be done neatly. \n\nNot to mention - it is a privacy shield that lets all the light in.\n\nNot to mention the other thing - if your heat does not leave via those windows, **neither will your cash.**\n\nUse clear packing tape to join 2 or three lengths of bubble wrap - whatever it takes to make a rectangle big enough to cover the window or its enclosure. T", "url": "https://reddit.com/r/LifeProTips/comments/1qnzuhi/lpt_almost_free_way_to_insulate_windows/" }, { "title": "LPT Request: How do you stop doomscrolling before sleep when you\u2019re mentally exhausted?", "subreddit": "LifeProTips", "num_comments": 360, "score": 0.838, "selftext": "Genuinely looking for practical methods that help break this habit when you\u2019re already mentally drained.", "url": "https://reddit.com/r/LifeProTips/comments/1qkj055/lpt_request_how_do_you_stop_doomscrolling_before/" }, { "title": "LPT request: How do I deal with getting snubbed at work for a promotion?", "subreddit": "LifeProTips", "num_comments": 151, "score": 0.834, "selftext": "Hi \n\nSo I want some tips. Recently there was some changes in the place I work and as a result some of my peers got promoted. I was snubbed for it. I feel quite down for it. I am always available to support the team, always finish my work on time and always proactive with my tasks. \n\nI am kinda bummed out because I think I am a willing worker and still was overlooked. How should I deal with this at work?", "url": "https://reddit.com/r/LifeProTips/comments/1qkjhwa/lpt_request_how_do_i_deal_with_getting_snubbed_at/" }, { "title": "LPT: 5 Things I Always Keep in My Car", "subreddit": "LifeProTips", "num_comments": 363, "score": 0.83, "selftext": "Here are 5 things I always keep in my car that have come in handy more than once:\n\n1. A towel. I live where it frequently rains unexpectedly. It's great to be able to dry off once you jump in the car. Not to mention all the times I've spilled my drink on the console or myself. Having a small, clean towel tucked in a cubby in the front seat can be a godsend.\n2. A small cooler. I use this to keep takeaway hot on the drive home or to keep cold/frozen items cold after a shopping trip.\n3. An env", "url": "https://reddit.com/r/LifeProTips/comments/1qmtl4s/lpt_5_things_i_always_keep_in_my_car/" }, { "title": "LPT Request: How to get over losing a job you loved", "subreddit": "LifeProTips", "num_comments": 141, "score": 0.83, "selftext": "So, I got fired from a job I LOVED in less than six months. There was some managerial ineptitude involved, but my communication style was a concern too.\n\nMy question is, how do you move on when something you cared a lot about is taken away suddenly? I had no warning at all. As corny as it sounds, it feels a lot like dating someone I thought I'd marry and then having them break up. \n\nI'm struggling with letting it go, wishing I could change X or Y, and daydreaming about being able to go back in t", "url": "https://reddit.com/r/LifeProTips/comments/1qlcfov/lpt_request_how_to_get_over_losing_a_job_you_loved/" }, { "title": "LPT: Create one shared family rule called Reset Time, then do a 10 minute reset together once a day.", "subreddit": "LifeProTips", "num_comments": 26, "score": 0.8280000000000001, "selftext": "Set a timer for 10 minutes. Everyone puts away only obvious clutter in their own zone. \n\nDishes, trash, laundry, backpacks, etc. Stop when the timer ends. \n\nThe house stays under control without anyone feeling nagged.", "url": "https://reddit.com/r/LifeProTips/comments/1qmz7to/lpt_create_one_shared_family_rule_called_reset/" }, { "title": "Why do earbuds that block snoring feel like a luxury item", "subreddit": "Frugal", "num_comments": 185, "score": 0.8260000000000001, "selftext": "\n I\u2019m frugal about almost everything in my life, and usually I\u2019m pretty proud of that, but the moment sleep gets involved my logic completely falls apart, which is why searching for earbuds that block snoring feels weirdly uncomfortable. During the day it\u2019s easy to say \u201cit\u2019s just earbuds, don\u2019t overthink it,\u201d but at 3am, wide awake, listening to snoring and doing mental math about cost versus sanity, it suddenly stops feeling like a normal frugal decision. I\u2019ve tried the cheap fixes\u2014some kind of", "url": "https://reddit.com/r/Frugal/comments/1qr9fhs/why_do_earbuds_that_block_snoring_feel_like_a/" }, { "title": "LPT: If there is a big snow storm shovel every 2-3 hours.", "subreddit": "LifeProTips", "num_comments": 311, "score": 0.8260000000000001, "selftext": "I know a lot of us are dealing with a big snowstorm right now (January 25, 2026), so here\u2019s a quick pro tip.\n\nIf you don\u2019t have a snowblower and are relying on a shovel, try going out every 2\u20133 hours instead of waiting until the end of the day. It\u2019s much easier on your back and your heart than trying to move a foot or more of snow all at once.\n\nWhen snow sits, the bottom layer can freeze and compact, making it much heavier and harder to shovel. Doing a few shorter passes throughout the day can s", "url": "https://reddit.com/r/LifeProTips/comments/1qmk83e/lpt_if_there_is_a_big_snow_storm_shovel_every_23/" }, { "title": "LPT: Need to remember a name? Think of an animal that starts with the first 2 letters of the name and try to relate them to the animal", "subreddit": "LifeProTips", "num_comments": 14, "score": 0.8240000000000001, "selftext": "This will probably sound strange to most people, so I\u2019ll give an example. If someone\u2019s name is Alex, remember it by: Alex starts with AL, an animal that starts with AL is an alligator, so you need to think of a quality they have that is like an alligator.\n\nThis sounds convoluted but it\u2019s only a couple brain connections, and I use it to remember names often. I think this could be easily adapted to remember names of other things", "url": "https://reddit.com/r/LifeProTips/comments/1qonhfo/lpt_need_to_remember_a_name_think_of_an_animal/" }, { "title": "LPT - Before you go to any gathering, bring one small role so you feel useful and less awkward.", "subreddit": "LifeProTips", "num_comments": 67, "score": 0.8220000000000001, "selftext": "I pick one simple job before I walk in. \n\nPlates. Napkins. A small dessert. Music speaker. Anything easy.\n\nHaving a role gives me a reason to talk, helps the host, and makes the first 10 minutes way less awkward.", "url": "https://reddit.com/r/LifeProTips/comments/1qmrsd1/lpt_before_you_go_to_any_gathering_bring_one/" }, { "title": "LPT: Make sure to keep your heating vents clear in a snowstorm", "subreddit": "LifeProTips", "num_comments": 8, "score": 0.8200000000000001, "selftext": "With a good portion of the United States experiencing significant snowfall, those with combustion appliances (furnace, boilers, etc.) should make sure that your vents are clear of snow and ice. Many times these vents can be close to the ground, and with a foot or more expected (and potentially drifting snow), exhaust vents can become blocked, preventing carbon monoxide from escaping the house. Some systems (like high efficiency furnaces) can have intake pipe that is typically lower and could als", "url": "https://reddit.com/r/LifeProTips/comments/1qmseyr/lpt_make_sure_to_keep_your_heating_vents_clear_in/" }, { "title": "LPT: When you want to reconnect, send a two part text. One line of real appreciation, then one specific invite.", "subreddit": "LifeProTips", "num_comments": 51, "score": 0.8160000000000001, "selftext": "I keep it simple and direct.\n\nLine 1: one real thing I liked about them or the last time we talked. \n\nLine 2: one specific plan with a day and time.\n\nExample 1: \n\nI liked catching up with you last week. \n \nWant to grab coffee Sunday at 3.\n\nExample 2: \n\nI laughed again today thinking about that joke you made at dinner. \n \nWant to grab coffee Sunday at 3 and catch up.\n\nExample 3: \n \nI saw a song that reminded me of our old drives. \n \nWant to take a short walk Sunday around 5 and talk.\n\n", "url": "https://reddit.com/r/LifeProTips/comments/1qm8e6c/lpt_when_you_want_to_reconnect_send_a_two_part/" }, { "title": "LPT: if u struggle with impulse spending, wait 48 hours before buying anything over $50.", "subreddit": "LifeProTips", "num_comments": 64, "score": 0.8160000000000001, "selftext": "i started doing this in 2025 because my credit card was crying lol. 90% of the time, the \"need\" for the item totally disappears by the next morning. if u still want it after 2 days, go for it. but this rule alone has saved me thousands in random tech and clothes i dont actually use.", "url": "https://reddit.com/r/LifeProTips/comments/1qdehk9/lpt_if_u_struggle_with_impulse_spending_wait_48/" }, { "title": "LPT: Always set a \"nag date\" the second you ask someone for something, otherwise you will forget.", "subreddit": "LifeProTips", "num_comments": 30, "score": 0.8140000000000001, "selftext": "I used to lose track of so many tasks because I\u2019d send an email then get distracted and eventually realize three weeks later I never got a reply. \n\nThen I discovered that the fix is to assume everyone will ignore you.\n\nNow I write a note for myself the second I hit send: Sam \u2192 Quote \u2192 Ping Wednesday.\n\nI simply type out the follow up message right then too so I don't have to think about it later: Hey Sam, just bumping this to the top of your inbox.\n\nWhen Wednesday rolls around I don't have to st", "url": "https://reddit.com/r/LifeProTips/comments/1qme0zr/lpt_always_set_a_nag_date_the_second_you_ask/" }, { "title": "LPT: Regularly clean up your bank transfer contacts list to avoid accidentally sending money to the wrong person", "subreddit": "LifeProTips", "num_comments": 8, "score": 0.812, "selftext": "Every few months, go through your saved transfer contacts and delete anyone you don't regularly send money to, especially:\n- People you only paid once or twice\n- Old contacts from years ago\n- Anyone whose relationship with you has changed\n\nWhy this matters? Because when you're rushing to send a payment, it's easy to tap the wrong name, especially if multiple contacts have similar names\n\nKeep only the people you actually transfer money to regularly (rent, regular bill splits with roommates, famil", "url": "https://reddit.com/r/LifeProTips/comments/1qml88b/lpt_regularly_clean_up_your_bank_transfer/" }, { "title": "LPT: buy replacement parts before you need them", "subreddit": "LifeProTips", "num_comments": 104, "score": 0.808, "selftext": "Specifically I just learned this lesson myself and got away lucky. My house has a gas furnace and it\u2019s worked fine for the 5 years I\u2019ve had the house. The other day my furnace suddenly didn\u2019t turn on, and we in the mid-Atlantic are staring down the barrel of a terrible winter storm followed by 2 weeks of extreme cold. This had the potential for me being totally screwed. \n\nI\u2019m stubborn and I refuse to pay someone hundreds of dollars to come diagnose and fix this. Luckily I\u2019m a DIY tinkerer, and ", "url": "https://reddit.com/r/LifeProTips/comments/1qm17jt/lpt_buy_replacement_parts_before_you_need_them/" }, { "title": "LPT: Trick to remember a long list", "subreddit": "LifeProTips", "num_comments": 24, "score": 0.804, "selftext": "When I'm in the shower, it gives me space to think when I usually keep myself to busy for much thinking. Obviously, I can't write or type in the shower, so I came up with this trick to help me remember the things I'm thinking about until I can make a note of them.\n\nI will single out the things I want to remember, and assign a related word to each one.\n\nTake this list, for example: \nBuy dragonfruit at the specialty grocery store in town \nTake photo back-ups of my receipts \nSend game tips to my", "url": "https://reddit.com/r/LifeProTips/comments/1qm2517/lpt_trick_to_remember_a_long_list/" }, { "title": "LPT: Buy a roll of self-amalgamating tape for pipe leaks", "subreddit": "LifeProTips", "num_comments": 26, "score": 0.802, "selftext": "I had a burst pipe this week. I turned off the water mains and was able to lift a floorboard and locate the leak. I wasn't able to get a plumber out until the next day, so I was left without water, toilet, heating, shower, etc. If I'd had a $5 roll of self-amalgamating tape, I could have made a quick fix and saved myself a day misery. Don't wait until it's too late - do yourself a favour and buy a roll now.", "url": "https://reddit.com/r/LifeProTips/comments/1qm2kh5/lpt_buy_a_roll_of_selfamalgamating_tape_for_pipe/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 105, "cross_source_count": 1, "reddit_post_count": 105, "question_signal_count": 105, "has_question_signal": true }, { "cluster_id": 46, "topics": [ { "topic_name": "Holy ... this is the cheapest I've seen eggs in a LONG time. Limit was 6. I'm now trying to figure out what to do with 72 eggs.", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/Frugal/comments/1qkya36/holy_this_is_the_cheapest_ive_seen_eggs_in_a_long/", "signal_type": "question" }, { "topic_name": "I can finally can afford lunch without checking my bank account.", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/povertyfinance/comments/1r2bua8/i_can_finally_can_afford_lunch_without_checking/", "signal_type": "question" }, { "topic_name": "Found the best meat clearance I\u2019ve ever seen!", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/Frugal/comments/1r24u3t/found_the_best_meat_clearance_ive_ever_seen/", "signal_type": "question" }, { "topic_name": "Thankful for the food pantry", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/povertyfinance/comments/1r2dxjw/thankful_for_the_food_pantry/", "signal_type": "question" }, { "topic_name": "Cheap and filling meals for me and my bf?", "source": "reddit", "region": "global", "score": 0.992, "url": "https://reddit.com/r/Frugal/comments/1r27use/cheap_and_filling_meals_for_me_and_my_bf/", "signal_type": "question" }, { "topic_name": "roasted chickpeas are basically a cheat code for a cheap snack and i feel dumb for not knowing this soone", "source": "reddit", "region": "global", "score": 0.992, "url": "https://reddit.com/r/Frugal/comments/1qe9eo3/roasted_chickpeas_are_basically_a_cheat_code_for/", "signal_type": "question" }, { "topic_name": "My manager doesn't understand", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/povertyfinance/comments/1qf1z3o/my_manager_doesnt_understand/", "signal_type": "question" }, { "topic_name": "Sandwiches Are The Ultimate Cheat Code", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/Frugal/comments/1qnvhjn/sandwiches_are_the_ultimate_cheat_code/", "signal_type": "question" }, { "topic_name": "Here's a tip-- don't forget to put your food away before bed.", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/povertyfinance/comments/1qllad9/heres_a_tip_dont_forget_to_put_your_food_away/", "signal_type": "question" }, { "topic_name": "Ground Beef substitute for Hamburger Helper", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/Frugal/comments/1r1ikhi/ground_beef_substitute_for_hamburger_helper/", "signal_type": "question" }, { "topic_name": "What groceries have you stopped buying", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/Frugal/comments/1qf94na/what_groceries_have_you_stopped_buying/", "signal_type": "question" }, { "topic_name": "Put on 20 lbs after losing my job and it finally clicked why eating \u201chealthy\u201d is so hard when you are broke", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/povertyfinance/comments/1qdekrh/put_on_20_lbs_after_losing_my_job_and_it_finally/", "signal_type": "question" }, { "topic_name": "What can I do with a massive number of lemons", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/Frugal/comments/1qim7om/what_can_i_do_with_a_massive_number_of_lemons/", "signal_type": "question" }, { "topic_name": "Food's Cost per Gram of Protein vs. Protein Density [OC]", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/povertyfinance/comments/1r0zyjm/foods_cost_per_gram_of_protein_vs_protein_density/", "signal_type": "question" }, { "topic_name": "Easy, Vegetarian Second-Life Meals", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/Frugal/comments/1r15aaf/easy_vegetarian_secondlife_meals/", "signal_type": "question" }, { "topic_name": "If you are experiencing food insecurity, consider a job that includes meals", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/povertyfinance/comments/1qmybh3/if_you_are_experiencing_food_insecurity_consider/", "signal_type": "question" }, { "topic_name": "An FYI for those cooking at home more\u2026", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/Frugal/comments/1qgn67v/an_fyi_for_those_cooking_at_home_more/", "signal_type": "question" }, { "topic_name": "I made it a game with my kids to only spend $53 at the grocery store", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/povertyfinance/comments/1qwv7v0/i_made_it_a_game_with_my_kids_to_only_spend_53_at/", "signal_type": "question" }, { "topic_name": "Grocery List and Dinner List that saved me money", "source": "reddit", "region": "global", "score": 0.958, "url": "https://reddit.com/r/Frugal/comments/1qjvu7c/grocery_list_and_dinner_list_that_saved_me_money/", "signal_type": "question" }, { "topic_name": "What\u2019s your go-to \u201cdefault\u201d frugal meal when you don\u2019t want to think or spend?", "source": "reddit", "region": "global", "score": 0.954, "url": "https://reddit.com/r/Frugal/comments/1qmqghi/whats_your_goto_default_frugal_meal_when_you_dont/", "signal_type": "question" }, { "topic_name": "What to buy on sale after the Super Bowl? And after Valentines?", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/Frugal/comments/1qzcjzs/what_to_buy_on_sale_after_the_super_bowl_and/", "signal_type": "question" }, { "topic_name": "103 prepped meals cost $211.01 in Jan \u201825 vs $228.76 in Jan \u201826 [US]", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/povertyfinance/comments/1r06g7r/103_prepped_meals_cost_21101_in_jan_25_vs_22876/", "signal_type": "question" }, { "topic_name": "Do plain oats taste okay?", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/povertyfinance/comments/1r16h3k/do_plain_oats_taste_okay/", "signal_type": "question" }, { "topic_name": "What are your ultra frugal food hacks?", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/Frugal/comments/1qsd905/what_are_your_ultra_frugal_food_hacks/", "signal_type": "question" }, { "topic_name": "Buying Fruits for one : frozen / fresh - and where ?", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/Frugal/comments/1qztyid/buying_fruits_for_one_frozen_fresh_and_where/", "signal_type": "question" }, { "topic_name": "Tonight's Foodbank Meal: Honey Garlic Chicken, Rice, and Sweet Kale Salad", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/povertyfinance/comments/1qx7x8l/tonights_foodbank_meal_honey_garlic_chicken_rice/", "signal_type": "question" }, { "topic_name": "7 days worth of food for \u00a322.. plus LOADS of food to spare", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/Frugal/comments/1qypgv9/7_days_worth_of_food_for_22_plus_loads_of_food_to/", "signal_type": "question" }, { "topic_name": "I've been eating a lot of expired food. No issues thus far", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/Frugal/comments/1qsupfp/ive_been_eating_a_lot_of_expired_food_no_issues/", "signal_type": "question" }, { "topic_name": "$4.55/lb corned beef, $3.11/lb cheese -- this is heaven", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/Frugal/comments/1qyyg84/455lb_corned_beef_311lb_cheese_this_is_heaven/", "signal_type": "question" }, { "topic_name": "Want to eat out less but struggling with the psychology of it", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/Frugal/comments/1qghv6i/want_to_eat_out_less_but_struggling_with_the/", "signal_type": "question" }, { "topic_name": "How do you save money on food/treats ?", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/Frugal/comments/1qyn260/how_do_you_save_money_on_foodtreats/", "signal_type": "question" }, { "topic_name": "What's your best fast food app tip/hack?", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/Frugal/comments/1qypu5t/whats_your_best_fast_food_app_tiphack/", "signal_type": "question" }, { "topic_name": "According to local fancy-grocery-store prices, I have about $300 in broth in my cold room.", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/Frugal/comments/1qcyjqo/according_to_local_fancygrocerystore_prices_i/", "signal_type": "question" }, { "topic_name": "LPT: The freeze dried veggies found in ramens and instant soups can be purchased in bulk for quite cheap. They're a great and easy way to incorporate more veggies into your diet!", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/LifeProTips/comments/1qu8hxm/lpt_the_freeze_dried_veggies_found_in_ramens_and/", "signal_type": "question" }, { "topic_name": "Budget friendly meals", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/povertyfinance/comments/1r1h0qe/budget_friendly_meals/", "signal_type": "question" }, { "topic_name": "Is frozen produce really cheaper than fresh?", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/Frugal/comments/1qxzz8x/is_frozen_produce_really_cheaper_than_fresh/", "signal_type": "question" }, { "topic_name": "What are your best tips for saving on groceries by cutting back on ingredients like meat?", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/Frugal/comments/1qxlfiw/what_are_your_best_tips_for_saving_on_groceries/", "signal_type": "question" }, { "topic_name": "Families with kids, how much are you spending on groceries?", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/Frugal/comments/1qj3uod/families_with_kids_how_much_are_you_spending_on/", "signal_type": "question" }, { "topic_name": "Learning how to be creative with food saved my wallet", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/Frugal/comments/1qxblhw/learning_how_to_be_creative_with_food_saved_my/", "signal_type": "question" }, { "topic_name": "Beans, rice, eggs, and chicken shaved about $130/month off my grocery bill", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/Frugal/comments/1qwp1t3/beans_rice_eggs_and_chicken_shaved_about_130month/", "signal_type": "question" }, { "topic_name": "Making the most of a special for ground beef", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/Frugal/comments/1qx54ur/making_the_most_of_a_special_for_ground_beef/", "signal_type": "question" }, { "topic_name": "LPT: Make stale snacks fresh again", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/LifeProTips/comments/1qrtrhp/lpt_make_stale_snacks_fresh_again/", "signal_type": "question" }, { "topic_name": "Help with food hoarding when you see a good deal.", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/Frugal/comments/1qptlp4/help_with_food_hoarding_when_you_see_a_good_deal/", "signal_type": "question" }, { "topic_name": "My dogs food is hella expensive, any solutions on how I can save money??", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/Frugal/comments/1qx72kf/my_dogs_food_is_hella_expensive_any_solutions_on/", "signal_type": "question" }, { "topic_name": "Looking for more ways to save cash. Specially for food", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/Frugal/comments/1qw8sjk/looking_for_more_ways_to_save_cash_specially_for/", "signal_type": "question" }, { "topic_name": "At Home \u201cAlmost Instant\u201d Soft-Serve", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/Frugal/comments/1qetexg/at_home_almost_instant_softserve/", "signal_type": "question" }, { "topic_name": "$.67 per bowl lentil soup meal prep.", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/Frugal/comments/1qgomlc/67_per_bowl_lentil_soup_meal_prep/", "signal_type": "question" }, { "topic_name": "Shelf stable meals that I can toss in a locker", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/Frugal/comments/1qvi4ic/shelf_stable_meals_that_i_can_toss_in_a_locker/", "signal_type": "question" }, { "topic_name": "What frugal food swap sounded dumb but ended up working?", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/Frugal/comments/1qutzsz/what_frugal_food_swap_sounded_dumb_but_ended_up/", "signal_type": "question" }, { "topic_name": "Need advice from frugal parents for daily snacks for the kids", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/Frugal/comments/1qke98p/need_advice_from_frugal_parents_for_daily_snacks/", "signal_type": "question" }, { "topic_name": "Made dinner for the week for about 2.50 a meal.", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/povertyfinance/comments/1qyif0y/made_dinner_for_the_week_for_about_250_a_meal/", "signal_type": "question" }, { "topic_name": "They spends months, years, claiming that their products \u201ccut out food noise,\u201d and \u201ccurbs cravings,\u201d yet mention a storm and they're eating all the \u201csnacks\u201d they can grab.", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/antiMLM/comments/1qlrsct/they_spends_months_years_claiming_that_their/", "signal_type": "question" }, { "topic_name": "Trying to overcome the mental barrier of not eating out on days spent visiting different cities", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/Frugal/comments/1qenrfo/trying_to_overcome_the_mental_barrier_of_not/", "signal_type": "question" }, { "topic_name": "How much does your home made meals cost?", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/Frugal/comments/1qv3e5w/how_much_does_your_home_made_meals_cost/", "signal_type": "question" }, { "topic_name": "Tip: save your dog/cat treat crumbs", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/Frugal/comments/1qn1lx3/tip_save_your_dogcat_treat_crumbs/", "signal_type": "question" }, { "topic_name": "How to spend less money on groceries for your family?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/Frugal/comments/1qqgtdq/how_to_spend_less_money_on_groceries_for_your/", "signal_type": "question" }, { "topic_name": "Food pantry haul today", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/povertyfinance/comments/1qbhlf1/food_pantry_haul_today/", "signal_type": "question" }, { "topic_name": "McDonald's where you have to pay to use the bathroom even though you paid for food", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/assholedesign/comments/1ocgcrf/mcdonalds_where_you_have_to_pay_to_use_the/", "signal_type": "question" }, { "topic_name": "What are the best frugal, nutrition dense foods to donate to homeless people?", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/Frugal/comments/1qid24c/what_are_the_best_frugal_nutrition_dense_foods_to/", "signal_type": "question" }, { "topic_name": "Tonight's Foodbank Meal: Creamy mushroom chicken thighs, sour cream mashed potatoes, Caesar salad, and tiramisu", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/povertyfinance/comments/1quicq2/tonights_foodbank_meal_creamy_mushroom_chicken/", "signal_type": "question" }, { "topic_name": "What else can I do with ground meat from food bank?", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/Frugal/comments/1ql6n3w/what_else_can_i_do_with_ground_meat_from_food_bank/", "signal_type": "question" }, { "topic_name": "Cheap chicken and rice soup recipe", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/povertyfinance/comments/1qzytz3/cheap_chicken_and_rice_soup_recipe/", "signal_type": "question" }, { "topic_name": "Free Carls Jr breakfast burger!", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/povertyfinance/comments/1qzz2ua/free_carls_jr_breakfast_burger/", "signal_type": "question" }, { "topic_name": "LPT: If you want to avoid overspending at the grocery store, eat a full snack before you go like a banana or yogurt. Hunger makes your brain treat everything as \u201cessential,\u201d so you\u2019ll end up buying more than you planned.", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/LifeProTips/comments/1qm129w/lpt_if_you_want_to_avoid_overspending_at_the/", "signal_type": "question" }, { "topic_name": "What to do with overly spicy soup so I don't have to chuck it", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/Frugal/comments/1qsxfvy/what_to_do_with_overly_spicy_soup_so_i_dont_have/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Holy ... this is the cheapest I've seen eggs in a LONG time. Limit was 6. I'm now trying to figure out what to do with 72 eggs.", "subreddit": "Frugal", "num_comments": 628, "score": 1.0, "selftext": "", "url": "https://reddit.com/r/Frugal/comments/1qkya36/holy_this_is_the_cheapest_ive_seen_eggs_in_a_long/" }, { "title": "I can finally can afford lunch without checking my bank account.", "subreddit": "povertyfinance", "num_comments": 50, "score": 0.998, "selftext": "Been living on ramen and whatever I could find in my fridge for months but today I walked into this place and ordered a California burrito without even looking at the price first. That hit different ngl. Used to be the guy calculating if I had enough for gas AND food, now I'm out here getting the good stuff with carne asada, fries, cheese, guac, the whole works. This thing is absolutely massive and probably has like 2000 calories but I earned this. Started my new job three weeks ago and got my f", "url": "https://reddit.com/r/povertyfinance/comments/1r2bua8/i_can_finally_can_afford_lunch_without_checking/" }, { "title": "Found the best meat clearance I\u2019ve ever seen!", "subreddit": "Frugal", "num_comments": 127, "score": 0.998, "selftext": "Found this ground beef on clearance at a local Walmart Neighborhood Market today. I\u2019ve never seen any kind of meat this cheap, much less ground beef. The same store had an 80/20 pork/beef mix for 70 cents a pound a few weeks ago. Yes, bought a bunch to stick in the deep freeze. We\u2019ll be set on burgers and meatloaf for a while! Check the markets in nicer areas, people. ", "url": "https://reddit.com/r/Frugal/comments/1r24u3t/found_the_best_meat_clearance_ive_ever_seen/" }, { "title": "Thankful for the food pantry", "subreddit": "povertyfinance", "num_comments": 4, "score": 0.994, "selftext": "First off, you deserve to eat! Please go to your food local food bank/pantry! \n\nUsually they have more meats and veggies but im ecstatic for anything i can get! This is for a family of 5 and i can go once a month to this pantry. \n\n3 packs of muffins, 6 packs of salami and cheese, 4 chile verde burritos, 1 loaf of bread, 1 pack of garlic knots, 6 bags of chips, 1 head of cauliflower, 1 bag of red apples, 1 bottle of paprika seasoning, 1 box of gnocchi, 1 package of instant cinnamon oatmeal, 2 hal", "url": "https://reddit.com/r/povertyfinance/comments/1r2dxjw/thankful_for_the_food_pantry/" }, { "title": "Cheap and filling meals for me and my bf?", "subreddit": "Frugal", "num_comments": 164, "score": 0.992, "selftext": "Hey everyone, this is my first time posting here, and I\u2019m in need of some help with cheap food ideas for me and my picky boyfriend. \n\nWe\u2019re both 19 year old guys and with him being 6\u20195, he usually needs to eat quite a bit to feel full. He\u2019s a relatively picky eater with a REALLY simple palate. His go to meals are (and these are eating out most of the time) Cheeseburgers, chicken nuggets, fries, Mac n cheese, the occasional spaghetti with meat, and loads of Yakisoba noodles. We\u2019ve been getting by", "url": "https://reddit.com/r/Frugal/comments/1r27use/cheap_and_filling_meals_for_me_and_my_bf/" }, { "title": "roasted chickpeas are basically a cheat code for a cheap snack and i feel dumb for not knowing this soone", "subreddit": "Frugal", "num_comments": 261, "score": 0.992, "selftext": "i used to spend like $5 a bag on those \"healthy\" organic chips or protein snacks at the store. i thought i was being fit but i was just being broke lol. but i just started roasting canned chickpeas in the oven with olive oil and tajin and it costs like 80 cents per batch max. ngl they are actually better than real chips and way more filling. its basically a cheat code for a cheap snack and i feel dumb for not doing it sooner. anyone else got a \"poverty snack\" that is actually elite? i need more ", "url": "https://reddit.com/r/Frugal/comments/1qe9eo3/roasted_chickpeas_are_basically_a_cheat_code_for/" }, { "title": "My manager doesn't understand", "subreddit": "povertyfinance", "num_comments": 442, "score": 0.99, "selftext": "So today my manager recommended a burger place which has burgers for about $16 each and I straight up told him I couldn't afford that, and that im currently living off homemade bread with jelly from the food pantry. Anyways he brought it up later in the day during our one on one and just couldn't comprehend that I don't have any money for non essentials. \n\nIt's just like... my guy I've been sleeping on a mattress thats bowed in the middle for 2 years, my dishwasher broke 3 years ago and never wa", "url": "https://reddit.com/r/povertyfinance/comments/1qf1z3o/my_manager_doesnt_understand/" }, { "title": "Sandwiches Are The Ultimate Cheat Code", "subreddit": "Frugal", "num_comments": 373, "score": 0.99, "selftext": "Sandwiches are the ultimate cheat code for saving both money and time on food.\n\n* You buy a handful of basics and you\u2019re set for the entire week (bread, cheese, deli meat, tomatoes, lettuce, mayo). You can even buy breads/meats in bulk and freeze it, then thaw as needed.\n* Prep takes five minutes. Toast the bread while you slice the veggies. Making sandwiches for multiple people barely adds any extra time.\n* Cleanup is almost nonexistent: rinse the cutting board, dry it, done. Use a paper plate ", "url": "https://reddit.com/r/Frugal/comments/1qnvhjn/sandwiches_are_the_ultimate_cheat_code/" }, { "title": "Here's a tip-- don't forget to put your food away before bed.", "subreddit": "povertyfinance", "num_comments": 815, "score": 0.984, "selftext": "made a big pot of cabbage for the weeks dinner it was delicious... fell asleep waiting on it to fully cool. now it's trash and I've got to figure out something else to eat \ud83d\ude2d ", "url": "https://reddit.com/r/povertyfinance/comments/1qllad9/heres_a_tip_dont_forget_to_put_your_food_away/" }, { "title": "Ground Beef substitute for Hamburger Helper", "subreddit": "Frugal", "num_comments": 200, "score": 0.984, "selftext": "With ground beef getting extremely expensive lately, I\u2019m curious if anyone has experimented with affordable substitutes when making Hamburger Helper meals. Has ground turkey worked well, or are there other proteins that taste good and still keep costs down? I\u2019d love suggestions for specific protein swaps that pair best with different Hamburger Helper flavors, plus any other budget-friendly grocery ideas.", "url": "https://reddit.com/r/Frugal/comments/1r1ikhi/ground_beef_substitute_for_hamburger_helper/" }, { "title": "What groceries have you stopped buying", "subreddit": "Frugal", "num_comments": 1761, "score": 0.984, "selftext": "There are plenty of Reddit threads where people mention how they stopped using food delivery, stopped eating out, cancelled their streaming subscriptions, etc.\n\nSince groceries also became more expensive, I would be interested in what items have you stopped buying and what items still kept their price.\n\nFor example:\n\n* Since eggs became more than 3 times more expensive, they changed from my daily staple to a rare (once in like 2 months) purchase.\n* Cocoa powder, for self-made hot chocolate is an", "url": "https://reddit.com/r/Frugal/comments/1qf94na/what_groceries_have_you_stopped_buying/" }, { "title": "Put on 20 lbs after losing my job and it finally clicked why eating \u201chealthy\u201d is so hard when you are broke", "subreddit": "povertyfinance", "num_comments": 302, "score": 0.976, "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", "url": "https://reddit.com/r/povertyfinance/comments/1qdekrh/put_on_20_lbs_after_losing_my_job_and_it_finally/" }, { "title": "What can I do with a massive number of lemons", "subreddit": "Frugal", "num_comments": 1081, "score": 0.974, "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?", "url": "https://reddit.com/r/Frugal/comments/1qim7om/what_can_i_do_with_a_massive_number_of_lemons/" }, { "title": "Food's Cost per Gram of Protein vs. Protein Density [OC]", "subreddit": "povertyfinance", "num_comments": 123, "score": 0.97, "selftext": "", "url": "https://reddit.com/r/povertyfinance/comments/1r0zyjm/foods_cost_per_gram_of_protein_vs_protein_density/" }, { "title": "Easy, Vegetarian Second-Life Meals", "subreddit": "Frugal", "num_comments": 10, "score": 0.966, "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", "url": "https://reddit.com/r/Frugal/comments/1r15aaf/easy_vegetarian_secondlife_meals/" }, { "title": "If you are experiencing food insecurity, consider a job that includes meals", "subreddit": "povertyfinance", "num_comments": 175, "score": 0.964, "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", "url": "https://reddit.com/r/povertyfinance/comments/1qmybh3/if_you_are_experiencing_food_insecurity_consider/" }, { "title": "An FYI for those cooking at home more\u2026", "subreddit": "Frugal", "num_comments": 111, "score": 0.962, "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", "url": "https://reddit.com/r/Frugal/comments/1qgn67v/an_fyi_for_those_cooking_at_home_more/" }, { "title": "I made it a game with my kids to only spend $53 at the grocery store", "subreddit": "povertyfinance", "num_comments": 77, "score": 0.96, "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", "url": "https://reddit.com/r/povertyfinance/comments/1qwv7v0/i_made_it_a_game_with_my_kids_to_only_spend_53_at/" }, { "title": "Grocery List and Dinner List that saved me money", "subreddit": "Frugal", "num_comments": 47, "score": 0.958, "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", "url": "https://reddit.com/r/Frugal/comments/1qjvu7c/grocery_list_and_dinner_list_that_saved_me_money/" }, { "title": "What\u2019s your go-to \u201cdefault\u201d frugal meal when you don\u2019t want to think or spend?", "subreddit": "Frugal", "num_comments": 286, "score": 0.954, "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", "url": "https://reddit.com/r/Frugal/comments/1qmqghi/whats_your_goto_default_frugal_meal_when_you_dont/" }, { "title": "What to buy on sale after the Super Bowl? And after Valentines?", "subreddit": "Frugal", "num_comments": 86, "score": 0.95, "selftext": "I like to stock up on foods that I\u2019ll use when they go on sale, even if I have to get creative using them. For example, I didn\u2019t know I liked corned beef until I got an amazing deal on one after St Patrick\u2019s day. Hams go on sale after Easter, turkeys after thanksgiving, etc. Any products to keep an eye out for on sale after Super Bowl Sunday here in the States? Anything other than chocolate to look for on sale after Valentines Day?", "url": "https://reddit.com/r/Frugal/comments/1qzcjzs/what_to_buy_on_sale_after_the_super_bowl_and/" }, { "title": "103 prepped meals cost $211.01 in Jan \u201825 vs $228.76 in Jan \u201826 [US]", "subreddit": "povertyfinance", "num_comments": 2007, "score": 0.948, "selftext": "", "url": "https://reddit.com/r/povertyfinance/comments/1r06g7r/103_prepped_meals_cost_21101_in_jan_25_vs_22876/" }, { "title": "Do plain oats taste okay?", "subreddit": "povertyfinance", "num_comments": 224, "score": 0.946, "selftext": "Hello! I've been trying to eat more than once a day recently since my stomach has been hurting. I saw this deal that offers 800g of instant oatmeal for a little bit more than 1 USD in my country. \n\nThe problem is, I cannot afford milk, sugar, or any other sweeteners because I live in a campus dormitory and we are not allowed to cook it here. I saw some comments saying it could taste like cardboard without the sweeteners. \n\nNow, I'm not really used to eating oats. So, I was wondering, to those w", "url": "https://reddit.com/r/povertyfinance/comments/1r16h3k/do_plain_oats_taste_okay/" }, { "title": "What are your ultra frugal food hacks?", "subreddit": "Frugal", "num_comments": 476, "score": 0.944, "selftext": "Looking for advice on meals you\u2019ve eaten when budgets are really tight. My divorce left me in a bad spot financially, and I\u2019m currently spending a lot of money on education for my career, but until that is finished, I don\u2019t have an income other than the odd jobs I am picking up \n\nCurrently I\u2019m drinking three Fairlife protein shakes a day, plus a potato, and some chicken thighs for dinner, but I\u2019m tryin my to get as frugal as I can \n\nWhat have you found to be the most cost effective way to eat fo", "url": "https://reddit.com/r/Frugal/comments/1qsd905/what_are_your_ultra_frugal_food_hacks/" }, { "title": "Buying Fruits for one : frozen / fresh - and where ?", "subreddit": "Frugal", "num_comments": 19, "score": 0.942, "selftext": "So if i am trying to eat healthy and trying to incorporate more greens and fruits - fruits mostly since its easier to eat on the go and can be prepared fast. What/ where do i shop from such that i get the best bang for my buck. I don\u2019t like having fruits go bad so I am thinking of buying frozen ones. I have friends who has a Costco / sam\u2019s who told me the stuff are comparably cheaper than walmart or aldis for same stuff. What do y\u2019all suggest i get it from or if theres any alternatives? Any sugg", "url": "https://reddit.com/r/Frugal/comments/1qztyid/buying_fruits_for_one_frozen_fresh_and_where/" }, { "title": "Tonight's Foodbank Meal: Honey Garlic Chicken, Rice, and Sweet Kale Salad", "subreddit": "povertyfinance", "num_comments": 29, "score": 0.94, "selftext": "The chicken thighs, rice, and salad were all from the foodbank. I buy honey in those large jugs at Walmart (I think it's Pure N Simple brand) and I also get the large jars of minced garlic. I know that not everyone has honey on hand, so my recommendation is to look into making sweet and sour chicken instead (usually sugar, vinegar, ketchup, stuff that more people have in their pantries). And once you get used to cooking with what you have, you learn which ingredients you can leave out and still ", "url": "https://reddit.com/r/povertyfinance/comments/1qx7x8l/tonights_foodbank_meal_honey_garlic_chicken_rice/" }, { "title": "7 days worth of food for \u00a322.. plus LOADS of food to spare", "subreddit": "Frugal", "num_comments": 47, "score": 0.938, "selftext": "Spoilers: no meat. But it also dispells the myth that you can't eat healthy for cheap.\n\nbasically, its veg stew twice a day (1/3 tomatoes, 1/3 beans, 1/3 veg)\n\nand overnight oats for breakfast with fruit..\n\nusing farmfoods uk (very cheap frozen food store) I spent \u00a322 and made enough food for 7 days (picture shows 3 portions a day minus the one I ate)\n\nplus with a kilo of lentils and about 2kg of veg, 2kg of fruit, 1kg of oats left I could comfortably get another five days making the average por", "url": "https://reddit.com/r/Frugal/comments/1qypgv9/7_days_worth_of_food_for_22_plus_loads_of_food_to/" }, { "title": "I've been eating a lot of expired food. No issues thus far", "subreddit": "Frugal", "num_comments": 205, "score": 0.9359999999999999, "selftext": "I don't care if I get judged, food is my biggest expense and sometimes I just forget I have it. What do y'all think about eating expired food? The other day I played with fire and ate meat that should have been thrown out long ago. I was a little scared but obviously I'm fine. \n\n \nIve eaten a lot of questionable things with no issue. I wonder if there's a way my stomach is just used to it at this point.\n\n \n", "url": "https://reddit.com/r/Frugal/comments/1qsupfp/ive_been_eating_a_lot_of_expired_food_no_issues/" }, { "title": "$4.55/lb corned beef, $3.11/lb cheese -- this is heaven", "subreddit": "Frugal", "num_comments": 43, "score": 0.9339999999999999, "selftext": " So I just scored corned beef for $4.55 per pound and cheese (all varieties from mozzarella to Gouda to Swiss) in the vicinity of $3 - $4 per pound. \n\nWhere is this magical place, you ask? Restaurant Depot, which sells mostly to restaurants but also gives free \"day passes\" to individual shoppers. \n\nYou typically have to buy in bulk, which can mean a chunk of corned beef or a loaf of cheese. But there can be smaller packages, too -- such as 1.5 pounds of cheese or two pounds of frozen shrimp. \n\nD", "url": "https://reddit.com/r/Frugal/comments/1qyyg84/455lb_corned_beef_311lb_cheese_this_is_heaven/" }, { "title": "Want to eat out less but struggling with the psychology of it", "subreddit": "Frugal", "num_comments": 501, "score": 0.926, "selftext": "My husband and I are trying to be a bit more frugal and know that eating out is a problem area in our budget. Whenever we try to cut back, we run into barriers. We know HOW (meal plan, grocery shop, cook at home), but actually doing it is harder.\n\nWe are tired. We work full time, long commutes, small child and another on the way. And we\u2019re maybe a little bit sad? And a meal we don\u2019t have to plan and cook is a bit of a pick-me-up on rough days. The mental labor of regularly keeping up with meal p", "url": "https://reddit.com/r/Frugal/comments/1qghv6i/want_to_eat_out_less_but_struggling_with_the/" }, { "title": "How do you save money on food/treats ?", "subreddit": "Frugal", "num_comments": 55, "score": 0.922, "selftext": "It\u2019s the only thing I spend money on since I don\u2019t spend money on other things and it\u2019s my only joy. I\u2019m trying to save money but it\u2019s hard since I don\u2019t have anything else I enjoy.\n\nWhat are some ways I can enjoy or treat myself? There isn\u2019t much else that I look forward to \n\nHow do I treat myself when there\u2019s nothing else that I like to do besides sleeping and eating? Looking for advice, thank you in advance", "url": "https://reddit.com/r/Frugal/comments/1qyn260/how_do_you_save_money_on_foodtreats/" }, { "title": "What's your best fast food app tip/hack?", "subreddit": "Frugal", "num_comments": 15, "score": 0.92, "selftext": "What's your best hack or tip for getting the most out of fast food apps, or even grocery store rewards apps?\n\nI'm currently homeless out of my car so pre-made foods are pretty much my go-to. I have a single burner stove but propane has to be saved for when it's cold out and I need to make canned soup \ud83e\udee0\n\nI try to get extra veg or potatoes to boil and add to the canned soup, or I'll get a can of broth and add it to condensed soup for more calories. I also try to make sure any place I buy from, inc", "url": "https://reddit.com/r/Frugal/comments/1qypu5t/whats_your_best_fast_food_app_tiphack/" }, { "title": "According to local fancy-grocery-store prices, I have about $300 in broth in my cold room.", "subreddit": "Frugal", "num_comments": 83, "score": 0.912, "selftext": "", "url": "https://reddit.com/r/Frugal/comments/1qcyjqo/according_to_local_fancygrocerystore_prices_i/" }, { "title": "LPT: The freeze dried veggies found in ramens and instant soups can be purchased in bulk for quite cheap. They're a great and easy way to incorporate more veggies into your diet!", "subreddit": "LifeProTips", "num_comments": 219, "score": 0.912, "selftext": "I used to eat a lot of those instant ramen/lo mein meals and always thought the little veggie packets were great. I recently learned that you can purchase those veggies in bulk! They're shelf stable for years, super convenient, and very cheap.\n\nThere are plenty of options on Amazon, just search \"freeze dried veggie medley\". I've been using Augason farms, but they all look more or less the same. Will probably try a different brand next time to test.\n\nThey come in a huge can and are intended for s", "url": "https://reddit.com/r/LifeProTips/comments/1qu8hxm/lpt_the_freeze_dried_veggies_found_in_ramens_and/" }, { "title": "Budget friendly meals", "subreddit": "povertyfinance", "num_comments": 13, "score": 0.904, "selftext": "Hi guys I have an $80 budget for meals for the next 2 weeks. It\u2019s just me that I\u2019m feeding so I was looking for some budget friendly meal options. I\u2019m autistic so I really don\u2019t mind eating the same thing multiple days in a row. I\u2019m going to make homemade chicken Alfredo. I have enough supplies in my cart that will make 3 pots. 1 pot usually lasts me 4-5 days which is literally amazing and that\u2019s 15 days right there but I was also wondering about other meals. I\u2019m going to make hamburger helper t", "url": "https://reddit.com/r/povertyfinance/comments/1r1h0qe/budget_friendly_meals/" }, { "title": "Is frozen produce really cheaper than fresh?", "subreddit": "Frugal", "num_comments": 46, "score": 0.904, "selftext": "I eat mostly WFPB, the only animal products I use when I cook are farmer's market eggs and honey. I found out a few years ago that frozen produce can be better than fresh due to the fact that it's picked at peak ripeness and flash frozen, preserving the nutrients \u2014 on top of being much less at risk of spoiling or growing mold (in the case of berries) before use. But is it really true that the price is also cheaper than fresh produce at the grocery store? I pretty much buy all my produce at the f", "url": "https://reddit.com/r/Frugal/comments/1qxzz8x/is_frozen_produce_really_cheaper_than_fresh/" }, { "title": "What are your best tips for saving on groceries by cutting back on ingredients like meat?", "subreddit": "Frugal", "num_comments": 133, "score": 0.898, "selftext": "I really like meat but it is getting more expensive. I am wondering what ways people have cut back in meals without noticing a big difference. I can cut back meat in soups by adding more beans or extra vegetables. Meat seems to be more filling and healthier than adding more starches. I am trying to find a happy medium but still have a filling meals and great taste. I love mushrooms, green beans, zucchini and spinach.", "url": "https://reddit.com/r/Frugal/comments/1qxlfiw/what_are_your_best_tips_for_saving_on_groceries/" }, { "title": "Families with kids, how much are you spending on groceries?", "subreddit": "Frugal", "num_comments": 398, "score": 0.896, "selftext": "We're a family of 4, two toddlers. Last year, we seemed to average around $600-$700 a month on groceries which seems insane to me! \n\nI just want to know if this is normal for a small family like ours. Where are you all shopping from.\n\nWe don't eat/order out often and tend to eat the same things on rotation every week.\n\nWe mainly get our groceries from Aldi, Walmart and Costco. \n\n* ok after reading what you all are spending, it sounds like we're on the lower end of the spectrum which is wild! Shi", "url": "https://reddit.com/r/Frugal/comments/1qj3uod/families_with_kids_how_much_are_you_spending_on/" }, { "title": "Learning how to be creative with food saved my wallet", "subreddit": "Frugal", "num_comments": 9, "score": 0.892, "selftext": "Me and my partner are both disabled individuals with really limited financial ability who still like enjoying things. She has a lot of dietary restrictions, and when we started dating it became a big goal to learn how to work well with it when cooking since cooking is a hobby I enjoy. \n\nThe more I have allowed myself to ignore the idea that there are any rules about how food exists I was able to feel really free and also save a ton of money. I've leaned into cooking a lot of vegan meals since pl", "url": "https://reddit.com/r/Frugal/comments/1qxblhw/learning_how_to_be_creative_with_food_saved_my/" }, { "title": "Beans, rice, eggs, and chicken shaved about $130/month off my grocery bill", "subreddit": "Frugal", "num_comments": 133, "score": 0.89, "selftext": "So one of my new years resolution is to be more intentional with my money, and I thought, why not start with me food.\n\nI took the advice on this subreddit, and substituted my diet for an entire month to be mostly beans, rice, eggs,and chicken. Yes, I have some cheat meals, like ground beef, broccoli, corn, etc but for the most part, I stuck to the plan.\n\nI want to say that I cook almost every meal of mine already, so I\u2019m already being frugal. But eating this diet reduced my grocery by an additio", "url": "https://reddit.com/r/Frugal/comments/1qwp1t3/beans_rice_eggs_and_chicken_shaved_about_130month/" }, { "title": "Making the most of a special for ground beef", "subreddit": "Frugal", "num_comments": 8, "score": 0.882, "selftext": "Meat prices have continued to increase. Ground beef used to be inexpensive, but now it is on a par with steak. Recently, I picked up about 5 lbs as it was on sale, so I went to work to make a few meals. I split the beef into three lots. The first I turned into a meatloaf using some leftover sausage meat, breadcrumbs, egg, ketchup, and seasonings. I formed it and put it into a tinfoil container, popped on a lid, and put it into the freezer. Using the same base of beef, tomato paste, canned t", "url": "https://reddit.com/r/Frugal/comments/1qx54ur/making_the_most_of_a_special_for_ground_beef/" }, { "title": "LPT: Make stale snacks fresh again", "subreddit": "LifeProTips", "num_comments": 34, "score": 0.88, "selftext": "Left a bag of chips open? Have crackers that taste like cardboard? Put any stale snack in the oven ( on a tray not in its bag/box) at 180 F for 20 min-30min and it will taste better than when first opened :)\n\n \nEDIT: You can also add your own spices ( crackers= lightly spray with cooking oil spray + garlic/onion powder rosemary. AND for a sweeter twist on stale popcorn/animal crackers = cinnamon + cooking spray. ", "url": "https://reddit.com/r/LifeProTips/comments/1qrtrhp/lpt_make_stale_snacks_fresh_again/" }, { "title": "Help with food hoarding when you see a good deal.", "subreddit": "Frugal", "num_comments": 105, "score": 0.876, "selftext": "I grew super poor, in a fend for yourself kinda house. So I never had snacks and such. If we had name brand treats you\u2019d have to eat it or it\u2019s gone. \n\nWell this has me buying too much shit at the discount store because it\u2019s such a good deal. Like I bought sparkle waters at one store, the went to another store where topochicos were super cheapso I got another dozen cause I\u2019d never get them other wise. So here I am stocking up on stuff I\u2019d prob never buy at a grocery store because of the novelty", "url": "https://reddit.com/r/Frugal/comments/1qptlp4/help_with_food_hoarding_when_you_see_a_good_deal/" }, { "title": "My dogs food is hella expensive, any solutions on how I can save money??", "subreddit": "Frugal", "num_comments": 31, "score": 0.872, "selftext": "Hi everyone, hoping for some advice from fellow dog parents. My dog has IBS and after trying a bunch of foods, Open Farm is the only brand that works for her without stomach issues. The problem is it\u2019s really expensive and I\u2019m going through a large bag about every two weeks. I don\u2019t want to switch brands and risk flare ups, so I\u2019m wondering if anyone has tips for saving money. Are there any sites, subscriptions, cashback apps, or sales I should know about? Any advice is appreciated!", "url": "https://reddit.com/r/Frugal/comments/1qx72kf/my_dogs_food_is_hella_expensive_any_solutions_on/" }, { "title": "Looking for more ways to save cash. Specially for food", "subreddit": "Frugal", "num_comments": 83, "score": 0.864, "selftext": "What's your to go hack for High Protein Diet. \nI don't need any new clothes, home appliances. I've got perfumes that were gifted which will last for a while. \nI've stopped using the Landline internet ( as I live alone)\n\nSummer months are very hot. \nHow do I save in these months. \nI do have A/C. \n\nSo far I try to eat at my work place \nWalk a certain distance to my work place saves me a few bucks \n\n\nEating very healthy as possible,\nNo soft drinks or takeout food. No sugar in my diet. \n\nAnything e", "url": "https://reddit.com/r/Frugal/comments/1qw8sjk/looking_for_more_ways_to_save_cash_specially_for/" }, { "title": "At Home \u201cAlmost Instant\u201d Soft-Serve", "subreddit": "Frugal", "num_comments": 34, "score": 0.862, "selftext": "My son was watching Bluey and asked what condensed milk was, and so I got some and found a recipe for \u201calmost instant soft serve\u201d. I wouldn\u2019t say almost instant instant, but easy.\n\nA nice way to use up the frozen fruit in the freezer, and I\u2019m impressed that I was able to do it with my blender and the texture turned out OK. I would highly recommend this, I\u2019m sort of kicking myself I didn\u2019t discover it sooner.\n\nIt\u2019s a simple recipe. US: 1.5 lbs of frozen fruit, 3/4 cup sweetened condensed milk, va", "url": "https://reddit.com/r/Frugal/comments/1qetexg/at_home_almost_instant_softserve/" }, { "title": "$.67 per bowl lentil soup meal prep.", "subreddit": "Frugal", "num_comments": 28, "score": 0.858, "selftext": "I have been making this frugal meal prep that comes out to about $.70 per serving using local Aldi prices. most of the produce lasts 2\u20133 batches, which brings the cost down more than I initially expected.\n\nBatch makes ~8 servings (large servings)\n\nIngredients & Aldi pricing (Prices are what I pay locally)\n\nDry lentils (1 lb): $1.55 ... lasts 2 batches\nVegetable broth cubes (Knorr-style): $3.00 ... 2 cubes per batch, 3 batches per package.\nCelery (1 bunch): $1.39... lasts ~2\u20133 batches\nCarrots", "url": "https://reddit.com/r/Frugal/comments/1qgomlc/67_per_bowl_lentil_soup_meal_prep/" }, { "title": "Shelf stable meals that I can toss in a locker", "subreddit": "Frugal", "num_comments": 40, "score": 0.852, "selftext": "I need some advice as a broke university student. I commute to class and I can't really head home inbetween. Because of this I have to pack food, but there's some days where i forget to bring anything, which leads to me purchasing a meal or two. I'm considering a campus locker for $10 (rented till the semester ends) and hitting up walmart to leave some meals in there for whenever I need it. What would be some good shelf stable meals that I can leave in my locker? Of course I don't have to get th", "url": "https://reddit.com/r/Frugal/comments/1qvi4ic/shelf_stable_meals_that_i_can_toss_in_a_locker/" }, { "title": "What frugal food swap sounded dumb but ended up working?", "subreddit": "Frugal", "num_comments": 433, "score": 0.85, "selftext": "I\u2019m skeptical of a lot of \u201cjust swap X for Y\u201d food advice. It usually sounds simple, but in real life it often tastes worse, takes more time, or feels like punishment rather than saving. That said, a few swaps have genuinely surprised me and actually stuck. Curious which food swaps worked for others long term without making meals feel joyless or overly restrictive.", "url": "https://reddit.com/r/Frugal/comments/1qutzsz/what_frugal_food_swap_sounded_dumb_but_ended_up/" }, { "title": "Need advice from frugal parents for daily snacks for the kids", "subreddit": "Frugal", "num_comments": 292, "score": 0.848, "selftext": "Hi. I'm a single dad with two kids and just had to buy a new car unexpectedly. I'm looking at how to reduce food costs and could use some advice, aside from food pantries. We have one in our neighborhood, but I don't think we're quite there yet. I've used it before but make more money now and don't want to use it unless absolutely necessary to leave it for other families. \n\nWhat are some creative ideas for cheap snacks and dinners?\n\nEdit: Girls are 8 and 14, and are self described pescatarians. ", "url": "https://reddit.com/r/Frugal/comments/1qke98p/need_advice_from_frugal_parents_for_daily_snacks/" }, { "title": "Made dinner for the week for about 2.50 a meal.", "subreddit": "povertyfinance", "num_comments": 25, "score": 0.846, "selftext": "Chicken, in different sauces and vegetables. Bought 10 lbs of diced fully cooked chicken for $43, vegetables $5, sauces $2 each. Still learning to cook rice so no rice added. We'll make rice as these warm in the rice cooker but I have a 20lbs of rice I bought a while ago. Only used about 2.5 lbs of chicken. \n These are for 2 people.\n\n\nThe bake ware was a lot but it can go into the freezer, refrigerator, dishwasher, microwave and oven. \n\n\n\nIt took me about 2 hours to make. Because I cooked 5 lbs ", "url": "https://reddit.com/r/povertyfinance/comments/1qyif0y/made_dinner_for_the_week_for_about_250_a_meal/" }, { "title": "They spends months, years, claiming that their products \u201ccut out food noise,\u201d and \u201ccurbs cravings,\u201d yet mention a storm and they're eating all the \u201csnacks\u201d they can grab.", "subreddit": "antiMLM", "num_comments": 11, "score": 0.844, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qlrsct/they_spends_months_years_claiming_that_their/" }, { "title": "Trying to overcome the mental barrier of not eating out on days spent visiting different cities", "subreddit": "Frugal", "num_comments": 222, "score": 0.842, "selftext": "TLDR \n\nWe hate eating peanutbutter and jelly, tuna, or egg sandwiches. What can we pack that would be exciting to eat on a day out and about at a major city near us where food prices are nuts?\n\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\nI live about an hour away from a major city in the US. sometimes I like to take my family and go visit the city. It's exciting to see the things, do the stuff, and eat the food.\n\nHowever, due to creeping prices, especially food, this has gotten", "url": "https://reddit.com/r/Frugal/comments/1qenrfo/trying_to_overcome_the_mental_barrier_of_not/" }, { "title": "How much does your home made meals cost?", "subreddit": "Frugal", "num_comments": 70, "score": 0.84, "selftext": "I just did some mealprepping and made 12 meals of chicken risotto. I calculated the price to $2.25 per meal. Add in electricity and that goes up to $2.3 per meal. That feels really expensive. Those cheap ready meals cost $4 and are surprisingly not far off in macros either.\n\nBoth are of course cheaper than my local lunch place at $8.75, but still.\n\nAt 3 meals a day that comes out to $210 month. For a single person. Crazy. I guess there are some meal preppers here. Have you counted on how much i", "url": "https://reddit.com/r/Frugal/comments/1qv3e5w/how_much_does_your_home_made_meals_cost/" }, { "title": "Tip: save your dog/cat treat crumbs", "subreddit": "Frugal", "num_comments": 23, "score": 0.84, "selftext": "I go through a decent amount of dog treats. There are always some crumbs and tiny treat pieces left in the bags. I\u2019ve started pouring them into a jar and saving them to use, either as a food topper or mixed in with their frozen Kongs.\n\nIt saves me buying actual dog food toppers or wet food for my picky dog, and using actual treats when I make their Kongs (they\u2019d eat them regardless, but I\u2019m sure they prefer it with some treat flavor!)\n\nObviously make sure the jar they\u2019re stored in is air tight a", "url": "https://reddit.com/r/Frugal/comments/1qn1lx3/tip_save_your_dogcat_treat_crumbs/" }, { "title": "How to spend less money on groceries for your family?", "subreddit": "Frugal", "num_comments": 202, "score": 0.838, "selftext": "Hello! \n\nWe are a family of six and I make dinner 6 days a week. I shop around and go to different stores sometimes and I have found that Walmart is the cheapest and most accessible. \n\nI spend about 220 dollars a week on dinners and literally just a few frozen snacks for my children such as corn dogs, popsicles and a couple frozen pizzas. I also only get a bag of generic chips/popcorn which is 2-4 dollars a week for their end of the day snack at school. \n\nI feel as though I can\u2019t cut down any fu", "url": "https://reddit.com/r/Frugal/comments/1qqgtdq/how_to_spend_less_money_on_groceries_for_your/" }, { "title": "Food pantry haul today", "subreddit": "povertyfinance", "num_comments": 27, "score": 0.83, "selftext": "We are allowed to go once a month and this is for 5 people. ", "url": "https://reddit.com/r/povertyfinance/comments/1qbhlf1/food_pantry_haul_today/" }, { "title": "McDonald's where you have to pay to use the bathroom even though you paid for food", "subreddit": "assholedesign", "num_comments": 186, "score": 0.8260000000000001, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1ocgcrf/mcdonalds_where_you_have_to_pay_to_use_the/" }, { "title": "What are the best frugal, nutrition dense foods to donate to homeless people?", "subreddit": "Frugal", "num_comments": 124, "score": 0.8240000000000001, "selftext": "I was thinking about what the best foods are to donate to homeless people. Not necessarily just shelters, but also for individuals. Like what would be nutrition dense, but also have long shelf life, and be easy to prepare for someone who doesn\u2019t have equipment or a kitchen, and also be lightweight to carry with them if they have to move around. Ideally, they\u2019d also be frugal to help more people out.\n\nAny ideas?", "url": "https://reddit.com/r/Frugal/comments/1qid24c/what_are_the_best_frugal_nutrition_dense_foods_to/" }, { "title": "Tonight's Foodbank Meal: Creamy mushroom chicken thighs, sour cream mashed potatoes, Caesar salad, and tiramisu", "subreddit": "povertyfinance", "num_comments": 7, "score": 0.8220000000000001, "selftext": "Everything came from the foodbank except spices, flour, potatoes, and heavy cream. [This is the recipe](https://www.saltandlavender.com/creamy-mushroom-chicken/) I used and dear god was it good. The potatoes and heavy cream I could have gotten from the foodbank, but we already had them at home. The Caesar salad I had to pick through to remove some things that were turning but it wasn't too bad. And the tiramisu was actually a \"make it yourself\" kit that came in a box which I thought was pretty n", "url": "https://reddit.com/r/povertyfinance/comments/1quicq2/tonights_foodbank_meal_creamy_mushroom_chicken/" }, { "title": "What else can I do with ground meat from food bank?", "subreddit": "Frugal", "num_comments": 196, "score": 0.8200000000000001, "selftext": "There's a food bank nearby and I often get ground meat in a tube or packaged.\n\nThe only thing I know how to do is put it in a pan and stir it until the color changes. Then use it with pasta and sauce or a salad (greens, dressing, some veggies).\n\nThere has to be something else I can do with it, right? I see aisles of sauces but I don't know where to start.\n\nAny ideas, please? I like garlic, lentils, rice, other things but NOT spicy.\n\nI've made pasta, tacos, and salad but all pretty bland unless s", "url": "https://reddit.com/r/Frugal/comments/1ql6n3w/what_else_can_i_do_with_ground_meat_from_food_bank/" }, { "title": "Cheap chicken and rice soup recipe", "subreddit": "povertyfinance", "num_comments": 14, "score": 0.812, "selftext": "It cost me about $9 to make a huge pot of this chicken and rice soup that will feed me and my son about 5 dinners. I cut the chicken broth and heavy whipping cream amount in half and substituted water and increased the chicken bullion by a teaspoon. We ate it for dinner then lunch the following day and I froze the rest until next week. When I reheat it, I\u2019ll add water, a couple of baked potatoes and another half teaspoon of chicken bullion. I serve it with hard toast, which is just buttered toas", "url": "https://reddit.com/r/povertyfinance/comments/1qzytz3/cheap_chicken_and_rice_soup_recipe/" }, { "title": "Free Carls Jr breakfast burger!", "subreddit": "povertyfinance", "num_comments": 5, "score": 0.808, "selftext": "Sharing for those that may not have seen this promotion and might need a free meal today. Yes it\u2019s not healthy, but it\u2019s a free breakfast burger from Carl\u2019s Jr via the app; no purchase necessary! Not sure if you have to already be signed up for rewards or not (I would sign up for it anyways to see if it shows up if you aren\u2019t already a member), but for those who are already a member and have the app, the free burger is already there. As the picture states, it\u2019s good all day 2/9 \ud83d\ude42", "url": "https://reddit.com/r/povertyfinance/comments/1qzz2ua/free_carls_jr_breakfast_burger/" }, { "title": "LPT: If you want to avoid overspending at the grocery store, eat a full snack before you go like a banana or yogurt. Hunger makes your brain treat everything as \u201cessential,\u201d so you\u2019ll end up buying more than you planned.", "subreddit": "LifeProTips", "num_comments": 42, "score": 0.806, "selftext": "", "url": "https://reddit.com/r/LifeProTips/comments/1qm129w/lpt_if_you_want_to_avoid_overspending_at_the/" }, { "title": "What to do with overly spicy soup so I don't have to chuck it", "subreddit": "Frugal", "num_comments": 163, "score": 0.804, "selftext": "I have made a corn/ coconut/ potato soup that has ended up way spicier than my husband and I can eat. I have already tried diluting it, adding more potato, adding acid, and all the other tricks listed online. To no avail. Does anyone have suggestions for what I could do with about 2 liters of this stuff? It smells amazing and I hate wasting food.\nMaybe something in a slow cooker? Appreciate any ideas.", "url": "https://reddit.com/r/Frugal/comments/1qsxfvy/what_to_do_with_overly_spicy_soup_so_i_dont_have/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 65, "cross_source_count": 1, "reddit_post_count": 65, "question_signal_count": 65, "has_question_signal": true }, { "cluster_id": 53, "topics": [ { "topic_name": "Invested $50k in 2021 and it\u2019s now at $55k", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/personalfinance/comments/1qbt6xk/invested_50k_in_2021_and_its_now_at_55k/", "signal_type": "question" }, { "topic_name": "withdrawal strategy?", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/financialindependence/comments/1r0ke70/withdrawal_strategy/", "signal_type": "question" }, { "topic_name": "Company announced that pension contributions are being halted.", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/personalfinance/comments/1qsmd30/company_announced_that_pension_contributions_are/", "signal_type": "question" }, { "topic_name": "ACA tax credits vs Roth conversion space", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/financialindependence/comments/1qzs2ws/aca_tax_credits_vs_roth_conversion_space/", "signal_type": "question" }, { "topic_name": "Fund Retirement Account with Joint Bank Account - is ok?", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/personalfinance/comments/1r2dusk/fund_retirement_account_with_joint_bank_account/", "signal_type": "question" }, { "topic_name": "Short to Medium Term Cash - Where to Park", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/personalfinance/comments/1r21n3e/short_to_medium_term_cash_where_to_park/", "signal_type": "question" }, { "topic_name": "Wife and I didn\u2019t check 401k for 5 years. Should we stay the course with investment options?", "source": "reddit", "region": "global", "score": 0.968, "url": "https://reddit.com/r/personalfinance/comments/1qmlmw4/wife_and_i_didnt_check_401k_for_5_years_should_we/", "signal_type": "question" }, { "topic_name": "Surprise Inheritance, I was totally not prepared for.", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/personalfinance/comments/1qdg0kl/surprise_inheritance_i_was_totally_not_prepared/", "signal_type": "question" }, { "topic_name": "Considering liquidating the 401k", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/personalfinance/comments/1r183oz/considering_liquidating_the_401k/", "signal_type": "question" }, { "topic_name": "Roth 401k rollover to Roth IRA at 50 \u2013 trying to understand 5-year rules and withdrawals while living abroad", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/financialindependence/comments/1qw90o4/roth_401k_rollover_to_roth_ira_at_50_trying_to/", "signal_type": "question" }, { "topic_name": "50K Series EE Bond Windfall and 401k Contributions", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/personalfinance/comments/1r20a9h/50k_series_ee_bond_windfall_and_401k_contributions/", "signal_type": "question" }, { "topic_name": "How to invest an inheritance for maximum ROI", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/personalfinance/comments/1r28ghu/how_to_invest_an_inheritance_for_maximum_roi/", "signal_type": "question" }, { "topic_name": "I feel like I'm way behind on retirement, is it as bad as I think?", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/personalfinance/comments/1qw8ksd/i_feel_like_im_way_behind_on_retirement_is_it_as/", "signal_type": "question" }, { "topic_name": "Another 72 (t) question - Roth in an annuity", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/financialindependence/comments/1qvp1g6/another_72_t_question_roth_in_an_annuity/", "signal_type": "question" }, { "topic_name": "30k in savings what do I do", "source": "reddit", "region": "global", "score": 0.958, "url": "https://reddit.com/r/personalfinance/comments/1r200xb/30k_in_savings_what_do_i_do/", "signal_type": "question" }, { "topic_name": "72(t) - can you take a fixed amount that is less than 5% from the start?", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/financialindependence/comments/1qv7me6/72t_can_you_take_a_fixed_amount_that_is_less_than/", "signal_type": "question" }, { "topic_name": "Should I bother putting in another 4% in my 457b when i already get 11% in my 401a?", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/personalfinance/comments/1r228cb/should_i_bother_putting_in_another_4_in_my_457b/", "signal_type": "question" }, { "topic_name": "Portfolio to live off dividends with growth - Rate/Advice", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/financialindependence/comments/1qsmi9m/portfolio_to_live_off_dividends_with_growth/", "signal_type": "question" }, { "topic_name": "Should I buy a duplex and continue living with parents at 22", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/personalfinance/comments/1qehfjo/should_i_buy_a_duplex_and_continue_living_with/", "signal_type": "question" }, { "topic_name": "Probably a dumb question about IRAs", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/personalfinance/comments/1r2a96h/probably_a_dumb_question_about_iras/", "signal_type": "question" }, { "topic_name": "Maxing out 2025 IRA contributions but phased out of traditional - Any reason to not just go Roth?", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/personalfinance/comments/1r29b9w/maxing_out_2025_ira_contributions_but_phased_out/", "signal_type": "question" }, { "topic_name": "Am I missing anything?", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/personalfinance/comments/1r28o13/am_i_missing_anything/", "signal_type": "question" }, { "topic_name": "Am I missing something, or is Roth IRA massively oversold?", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/financialindependence/comments/1qpvtw9/am_i_missing_something_or_is_roth_ira_massively/", "signal_type": "question" }, { "topic_name": "Two Retirement Accounts", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/personalfinance/comments/1r28d0w/two_retirement_accounts/", "signal_type": "question" }, { "topic_name": "Parent's Old Annuities to Shorter Term RILA", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/personalfinance/comments/1r287kb/parents_old_annuities_to_shorter_term_rila/", "signal_type": "question" }, { "topic_name": "Where should ABLE accounts go in the flow chart?", "source": "reddit", "region": "global", "score": 0.894, "url": "https://reddit.com/r/financialindependence/comments/1qmspnd/where_should_able_accounts_go_in_the_flow_chart/", "signal_type": "question" }, { "topic_name": "Should I take a 401k Loan?", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/personalfinance/comments/1r26p4i/should_i_take_a_401k_loan/", "signal_type": "question" }, { "topic_name": "whats better, claim SS now at age 65 or wait until 70 and use 401k funds to cover", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/personalfinance/comments/1qxicdx/whats_better_claim_ss_now_at_age_65_or_wait_until/", "signal_type": "question" }, { "topic_name": "Retirement at 57.5 am I crazy", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/personalfinance/comments/1qrcty9/retirement_at_575_am_i_crazy/", "signal_type": "question" }, { "topic_name": "Just opened a Roth IRA!", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/personalfinance/comments/1qp4qsv/just_opened_a_roth_ira/", "signal_type": "question" }, { "topic_name": "About to review company 401k contribution. Where should I invest?", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/personalfinance/comments/1r25tv2/about_to_review_company_401k_contribution_where/", "signal_type": "question" }, { "topic_name": "Questions about IRA contribution for self-employment income", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/personalfinance/comments/1r25lh1/questions_about_ira_contribution_for/", "signal_type": "question" }, { "topic_name": "Work 401(k) plus Solo 401(k) for side gig. Am I understanding?", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/personalfinance/comments/1r25e37/work_401k_plus_solo_401k_for_side_gig_am_i/", "signal_type": "question" }, { "topic_name": "Pulling out of 401k after quitting a job", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/personalfinance/comments/1qctcp4/pulling_out_of_401k_after_quitting_a_job/", "signal_type": "question" }, { "topic_name": "Pay debt or 401(k)?", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/povertyfinance/comments/1r16lp5/pay_debt_or_401k/", "signal_type": "question" }, { "topic_name": "How much should I contribute to 401k?", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/personalfinance/comments/1qzmknu/how_much_should_i_contribute_to_401k/", "signal_type": "question" }, { "topic_name": "Contributed to Roth IRA - turns out we're not elligible after a bonus", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/personalfinance/comments/1r24ei9/contributed_to_roth_ira_turns_out_were_not/", "signal_type": "question" }, { "topic_name": "Rollover Question/Clarification", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/personalfinance/comments/1r23t5g/rollover_questionclarification/", "signal_type": "question" }, { "topic_name": "31 and feeling behind financially", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/personalfinance/comments/1qnpe94/31_and_feeling_behind_financially/", "signal_type": "question" }, { "topic_name": "Early retirement brokerage allocation", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/financialindependence/comments/1qgdng4/early_retirement_brokerage_allocation/", "signal_type": "question" }, { "topic_name": "When they say \"save 15% for retirement\" do they mean...?", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/personalfinance/comments/1qt3s89/when_they_say_save_15_for_retirement_do_they_mean/", "signal_type": "question" }, { "topic_name": "Risk with Dividend-style ETFs / Stocks on a short term horizon?", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/personalfinance/comments/1r23adv/risk_with_dividendstyle_etfs_stocks_on_a_short/", "signal_type": "question" }, { "topic_name": "Roth IRA Income Phase-Out Range - Overcontribution", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/personalfinance/comments/1r238ap/roth_ira_income_phaseout_range_overcontribution/", "signal_type": "question" }, { "topic_name": "Am I too focused on Roth?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/personalfinance/comments/1r28uvv/am_i_too_focused_on_roth/", "signal_type": "question" }, { "topic_name": "gut check regarding Roth withdrawal ordering rules with backdoor and mega-backdoor contributions.", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/financialindependence/comments/1qdqzvj/gut_check_regarding_roth_withdrawal_ordering/", "signal_type": "question" }, { "topic_name": "Open government 457 and/or Roth IRA?", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/personalfinance/comments/1r21a62/open_government_457_andor_roth_ira/", "signal_type": "question" }, { "topic_name": "First time enrolling in a 401k and I need some help.", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/personalfinance/comments/1r216of/first_time_enrolling_in_a_401k_and_i_need_some/", "signal_type": "question" }, { "topic_name": "Just Updated my 401k Contribution to 30% to near max. Did I do the right thing?", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/personalfinance/comments/1qkrxo0/just_updated_my_401k_contribution_to_30_to_near/", "signal_type": "question" }, { "topic_name": "Should I Roll Over 401k?", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/personalfinance/comments/1r1zi66/should_i_roll_over_401k/", "signal_type": "question" }, { "topic_name": "Getting 50k, I'm in my twenties and want advice on what to do with this money", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/personalfinance/comments/1qqk610/getting_50k_im_in_my_twenties_and_want_advice_on/", "signal_type": "question" }, { "topic_name": "How to think about large 401k balance as I get to retirement?", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/financialindependence/comments/1qabldx/how_to_think_about_large_401k_balance_as_i_get_to/", "signal_type": "question" }, { "topic_name": "Investing a lump sum inheritance", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/personalfinance/comments/1qbi5dm/investing_a_lump_sum_inheritance/", "signal_type": "question" }, { "topic_name": "Did I f*** up my 2025 taxes by asking for an after-tax 401k conversion to an already maxed out Roth IRA?", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/financialindependence/comments/1qb4q1z/did_i_f_up_my_2025_taxes_by_asking_for_an/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Invested $50k in 2021 and it\u2019s now at $55k", "subreddit": "personalfinance", "num_comments": 368, "score": 0.996, "selftext": "I (34M) moved a 401k into a Traditional IRA in 2021 with a local financial advisory. It was $50k at the time. I\u2019ve for the most part ignored it as that was always the advice I was given. It has now been 4 years and it sits at $54k and some change.\n\nI feel like I\u2019m losing valuable years on this money.\n\nShould I look for a new advisor? Move it to something self directed?\n\nThis edit is an update. I have started the process of moving my money to Vanguard. Thank you all for the advice. Ironically a s", "url": "https://reddit.com/r/personalfinance/comments/1qbt6xk/invested_50k_in_2021_and_its_now_at_55k/" }, { "title": "withdrawal strategy?", "subreddit": "financialindependence", "num_comments": 24, "score": 0.99, "selftext": "I'm trying to retire at the end of this year (2026) at 57. I have enough funds saved but don't know what order to draw down. I'll have $100k in a Money market, $750k in a non IRA/taxable trading acct, $600k in my 401k, $1.3M in trad IRA's, $170k in Roth's, $70k in spouses 457b. House is paid off. Thinking I should combine the 401k via rule 55 and the 457b to get to the top end of the 0% Tax bracket or about $130k/year. Then use savings to fill in when necessary and IRA contributions if I need t", "url": "https://reddit.com/r/financialindependence/comments/1r0ke70/withdrawal_strategy/" }, { "title": "Company announced that pension contributions are being halted.", "subreddit": "personalfinance", "num_comments": 285, "score": 0.986, "selftext": "I\u2019m 50 and my company just announced that going forward they are discontinuing contributions to our pension funds. The pension plan provided 16% of your current salary to you once you turn 65. I\u2019ve been there 18 years, so I\u2019ll keep the $375k already earned, but I was expecting another $580k over the next 15 years. \n\nIn lieu of the pension, they are giving us additional 2% in our 401k. They already do 4% match if we put in 5%. So now instead of the pension and 9% 401k I have 11% going into the 40", "url": "https://reddit.com/r/personalfinance/comments/1qsmd30/company_announced_that_pension_contributions_are/" }, { "title": "ACA tax credits vs Roth conversion space", "subreddit": "financialindependence", "num_comments": 49, "score": 0.986, "selftext": "Running some FIRE scenarios and discovering something interesting.\n\nDuring FIRE I can manage my AGI to $100k and receive $20k in ACA tax credits. However if I do this I am giving up $70k in 12% bracket Roth conversion space (I have $70k in itemized deductions). This $70k would otherwise be taxed at 24% during RMD age. So my $20k ACA tax credits effectively are reduced by $8k; they are effectively only worth $12k to me.\n\nIs the right calculation? Am I missing anything?\n\nEDIT: It gets even better ", "url": "https://reddit.com/r/financialindependence/comments/1qzs2ws/aca_tax_credits_vs_roth_conversion_space/" }, { "title": "Fund Retirement Account with Joint Bank Account - is ok?", "subreddit": "personalfinance", "num_comments": 7, "score": 0.98, "selftext": "Recently married and wondering if I can connect my retirement account (IRA, 401K) to a bank account that is a joint bank account. The bank account specifies a primary and secondary owner and I don\u2019t know if that distinction matters. \n\nBut in general my question is: are there any issues contributing or withdrawing money from a retirement account (IRA, 401K) via a bank account that has joint ownership? ", "url": "https://reddit.com/r/personalfinance/comments/1r2dusk/fund_retirement_account_with_joint_bank_account/" }, { "title": "Short to Medium Term Cash - Where to Park", "subreddit": "personalfinance", "num_comments": 8, "score": 0.976, "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", "url": "https://reddit.com/r/personalfinance/comments/1r21n3e/short_to_medium_term_cash_where_to_park/" }, { "title": "Wife and I didn\u2019t check 401k for 5 years. Should we stay the course with investment options?", "subreddit": "personalfinance", "num_comments": 333, "score": 0.968, "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&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", "url": "https://reddit.com/r/personalfinance/comments/1qmlmw4/wife_and_i_didnt_check_401k_for_5_years_should_we/" }, { "title": "Surprise Inheritance, I was totally not prepared for.", "subreddit": "personalfinance", "num_comments": 428, "score": 0.966, "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 ", "url": "https://reddit.com/r/personalfinance/comments/1qdg0kl/surprise_inheritance_i_was_totally_not_prepared/" }, { "title": "Considering liquidating the 401k", "subreddit": "personalfinance", "num_comments": 96, "score": 0.964, "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 ", "url": "https://reddit.com/r/personalfinance/comments/1r183oz/considering_liquidating_the_401k/" }, { "title": "Roth 401k rollover to Roth IRA at 50 \u2013 trying to understand 5-year rules and withdrawals while living abroad", "subreddit": "financialindependence", "num_comments": 7, "score": 0.964, "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", "url": "https://reddit.com/r/financialindependence/comments/1qw90o4/roth_401k_rollover_to_roth_ira_at_50_trying_to/" }, { "title": "50K Series EE Bond Windfall and 401k Contributions", "subreddit": "personalfinance", "num_comments": 4, "score": 0.962, "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", "url": "https://reddit.com/r/personalfinance/comments/1r20a9h/50k_series_ee_bond_windfall_and_401k_contributions/" }, { "title": "How to invest an inheritance for maximum ROI", "subreddit": "personalfinance", "num_comments": 3, "score": 0.96, "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.).", "url": "https://reddit.com/r/personalfinance/comments/1r28ghu/how_to_invest_an_inheritance_for_maximum_roi/" }, { "title": "I feel like I'm way behind on retirement, is it as bad as I think?", "subreddit": "personalfinance", "num_comments": 304, "score": 0.96, "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", "url": "https://reddit.com/r/personalfinance/comments/1qw8ksd/i_feel_like_im_way_behind_on_retirement_is_it_as/" }, { "title": "Another 72 (t) question - Roth in an annuity", "subreddit": "financialindependence", "num_comments": 12, "score": 0.96, "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", "url": "https://reddit.com/r/financialindependence/comments/1qvp1g6/another_72_t_question_roth_in_an_annuity/" }, { "title": "30k in savings what do I do", "subreddit": "personalfinance", "num_comments": 13, "score": 0.958, "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.", "url": "https://reddit.com/r/personalfinance/comments/1r200xb/30k_in_savings_what_do_i_do/" }, { "title": "72(t) - can you take a fixed amount that is less than 5% from the start?", "subreddit": "financialindependence", "num_comments": 33, "score": 0.956, "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", "url": "https://reddit.com/r/financialindependence/comments/1qv7me6/72t_can_you_take_a_fixed_amount_that_is_less_than/" }, { "title": "Should I bother putting in another 4% in my 457b when i already get 11% in my 401a?", "subreddit": "personalfinance", "num_comments": 26, "score": 0.9359999999999999, "selftext": "Hi all,\n\nI got a new, better job that I've been working in for a few months now, and overall it's been great. \n\nI have a 401a that's got 31k that I put in 4%, while my employer puts in 7% every biweekly paycheck, so about 600 dollars a month. I also have a 457b from previous employers that is worth about 6.8k that i can contribute to (currently not as I'm just trying to settle in to a new area / saving for a house or condo in the next 3 years). Is this really worth it? I know it's extra money in", "url": "https://reddit.com/r/personalfinance/comments/1r228cb/should_i_bother_putting_in_another_4_in_my_457b/" }, { "title": "Portfolio to live off dividends with growth - Rate/Advice", "subreddit": "financialindependence", "num_comments": 9, "score": 0.9299999999999999, "selftext": "I look to unexpectedly come into some money soon and I am looking at potentially retiring early in the next 3-5 years now that this money is here. Main reason I wont retire now is I don't know what to do with myself...\n\nMoney - 6 Million after Tax.\n\nAbout me - 40 years old - 3 kids (young), Retire in 3-5 years\n\nGoals - Live off dividends, so that if I die my wife does not have to sell stock, that money will just keep coming her way. Grow some of this so that my kids will have a good bump in life", "url": "https://reddit.com/r/financialindependence/comments/1qsmi9m/portfolio_to_live_off_dividends_with_growth/" }, { "title": "Should I buy a duplex and continue living with parents at 22", "subreddit": "personalfinance", "num_comments": 155, "score": 0.926, "selftext": "I\u2019m 22 make 120 K a year and I maxed out my 401(k). I\u2019m allowed to live with my parents as long as I want and I plan to live there until at least 25. I have 100 K in my Roth 401(k) 32K in my savings and 6k in an investment account. I wanna make my money work for me and make more money. I\u2019m just not sure what I should get into.", "url": "https://reddit.com/r/personalfinance/comments/1qehfjo/should_i_buy_a_duplex_and_continue_living_with/" }, { "title": "Probably a dumb question about IRAs", "subreddit": "personalfinance", "num_comments": 11, "score": 0.92, "selftext": "I know this is going to show my na\u00efvet\u00e9, but I have a question about IRA dividends. When my mother was in her 50s, she had multiple investments, mostly inherited or gifted, and she regularly (although I don\u2019t know how often), received dividend checks that supplemented her very modest library technician income. I only know this because she talked about it on occasion. Fast forward and I\u2019m about the age she was when I recall her telling me this, and I know that she continued receiving dividend ", "url": "https://reddit.com/r/personalfinance/comments/1r2a96h/probably_a_dumb_question_about_iras/" }, { "title": "Maxing out 2025 IRA contributions but phased out of traditional - Any reason to not just go Roth?", "subreddit": "personalfinance", "num_comments": 4, "score": 0.914, "selftext": "My wife transitioned to a new career in 2025 that doesn't offer a retirement plan. We were planning to max out a traditional IRA with some inheritance money but found that we are nearly phased out of the tax deductions because she was covered by her old employer's retirement plan for the first couple months of the year. Our MAGI is $144k and the full phase out is $146k. In the end, we can deduct about $700 (35% of $2k) of the full $7k contribution.\n\nIf we aren't getting the tax advantage on the ", "url": "https://reddit.com/r/personalfinance/comments/1r29b9w/maxing_out_2025_ira_contributions_but_phased_out/" }, { "title": "Am I missing anything?", "subreddit": "personalfinance", "num_comments": 3, "score": 0.906, "selftext": "I am a 24m working a tech job making around 50k a year. I have been fortunate enough to live at home without paying rent after college and I am currently debt free. I have had a Roth IRA with vanguard for 2-3 years but I only started maxing out my contributions last year. The rest of my money is currently in a savings account which is earning 3.5% APY. I also have a 401k and hsa through my job that I am contributing through paychecks as my job matches 3% for my 401k.\n\nI have maybe a year or less", "url": "https://reddit.com/r/personalfinance/comments/1r28o13/am_i_missing_anything/" }, { "title": "Am I missing something, or is Roth IRA massively oversold?", "subreddit": "financialindependence", "num_comments": 58, "score": 0.906, "selftext": "I\u2019m currently in the 22% federal tax bracket. From what I can tell, the core Roth argument seems to assume that everyone magically ends up in a higher tax bracket in retirement, which doesn\u2019t seem universally true.\n\nHere\u2019s my situation: \n\n\\- I expect to live more frugally in retirement (no childcare, no mortgage, minimal car payments, less mouths to feed)\n\n\\- My house will be paid off, which is currently \\~20\u201330% of my monthly expenses\n\n\\- Yes, discretionary spending may go up (travel, hobbies),", "url": "https://reddit.com/r/financialindependence/comments/1qpvtw9/am_i_missing_something_or_is_roth_ira_massively/" }, { "title": "Two Retirement Accounts", "subreddit": "personalfinance", "num_comments": 7, "score": 0.9, "selftext": "I currently have 2 retirement accounts. One from a previous job which I no longer contribute to and my current one from my current employer. Would the best option be to combine these or is it ok to just leave them be?", "url": "https://reddit.com/r/personalfinance/comments/1r28d0w/two_retirement_accounts/" }, { "title": "Parent's Old Annuities to Shorter Term RILA", "subreddit": "personalfinance", "num_comments": 2, "score": 0.898, "selftext": "Parent is in their 70s and has IRAs in older fixed index annuities with max withdraw \\~5%\u00a0a year. Maturity date is 2050 so any profits wouldn't be realized until then (at which point they'd be 90+)\n\nI'm considering moving these into RILAs (Jackson Market Link II) based on the SP500 w/20% buffer over 6 years. Free withdraw/year is at \\~10%, then could obviously renew if they like.\u00a0\n\nAm I missing something in this strategy? I understand that lifetime annuities were appealing in that it's a stable\u00a0", "url": "https://reddit.com/r/personalfinance/comments/1r287kb/parents_old_annuities_to_shorter_term_rila/" }, { "title": "Where should ABLE accounts go in the flow chart?", "subreddit": "financialindependence", "num_comments": 24, "score": 0.894, "selftext": "For 2026, those who are eligible can put in 20K. Able accounts are a different bucket than IRA or 401k. Like a Roth, contributions are after tax, and growth is untaxed. You can take the money out at any time. Contributions are not federally deductible, but are deductible in some states. The funds you can invest the money in are more limited with slightly higher expense ratios, but you can use the money for almost anything.\n\nSo where should the ABLE account be in the contribution order?", "url": "https://reddit.com/r/financialindependence/comments/1qmspnd/where_should_able_accounts_go_in_the_flow_chart/" }, { "title": "Should I take a 401k Loan?", "subreddit": "personalfinance", "num_comments": 6, "score": 0.89, "selftext": "I\u2019m 31 years old and really messed up my finances in my 20s. I paid for 80% of my college but had a hard time getting a good job out of school. I was living beyond my means and racked up around $30k in credit/personal loan. I have multiple accounts in collections and had my car repossessed and recovered twice. My credit is in the low 500s. I was careless and extremely irresponsible.\n\nI recently finally started to turn things around, I worked my way up and just got a big promotion making 85k a ye", "url": "https://reddit.com/r/personalfinance/comments/1r26p4i/should_i_take_a_401k_loan/" }, { "title": "whats better, claim SS now at age 65 or wait until 70 and use 401k funds to cover", "subreddit": "personalfinance", "num_comments": 346, "score": 0.89, "selftext": "Question, I would like to retire now at age 65. I can live on $5000.00 monthly. Wife is 63 and retired, claimed SS at 62 and gets $1500.00 monthly. We each have a 401k, mine is 550k in target date fund 2030. Hers is 275k in target date fun 2025. We have not touched them. If I retire now at age 65 I can get approx $2700 SS or at age 70 and get maybe $4100. Should I draw down one 401K and not claim SS until 70, or take SS now and use less 401k for the rest of our lives? at age 70 with both SS o", "url": "https://reddit.com/r/personalfinance/comments/1qxicdx/whats_better_claim_ss_now_at_age_65_or_wait_until/" }, { "title": "Retirement at 57.5 am I crazy", "subreddit": "personalfinance", "num_comments": 202, "score": 0.888, "selftext": "I'm retired Military, annual pension is $56,000 per year take home, I have $650,000 in my 401K and own a bar that generates about $100K gross per year which I take no money from, but pays my wife $24,000 per year. Annual household spend is $54,000 a year all in. I'm tired of the corporate grind and want to punch out before the end of 2026. Am I ready or foolish?", "url": "https://reddit.com/r/personalfinance/comments/1qrcty9/retirement_at_575_am_i_crazy/" }, { "title": "Just opened a Roth IRA!", "subreddit": "personalfinance", "num_comments": 49, "score": 0.882, "selftext": "Hi all! I recently turned 18 (less than two weeks ago), and my Economics teacher has urged all of us to open a Roth IRA as soon as we could. And so, here I am.\n\nI just opened one under Vanguard, and I put $1,000 into a 2065 target retirement fund thingy. Basically, I was wondering what my next steps should be?\n\nI make about $500 a month from my super part-time job. I was wondering how much I should put towards this target date fund monthly (or even other funds I should consider too, but not sure", "url": "https://reddit.com/r/personalfinance/comments/1qp4qsv/just_opened_a_roth_ira/" }, { "title": "About to review company 401k contribution. Where should I invest?", "subreddit": "personalfinance", "num_comments": 9, "score": 0.88, "selftext": "I'm about to receive my company's 401k contribution and I have the ability to change where it's invested. if I don't it would just go into default fund plan selected which is about 80 percent Equity/stocks and 20 percent bonds/fixed income. Should I just leave it?", "url": "https://reddit.com/r/personalfinance/comments/1r25tv2/about_to_review_company_401k_contribution_where/" }, { "title": "Questions about IRA contribution for self-employment income", "subreddit": "personalfinance", "num_comments": 5, "score": 0.878, "selftext": "Assume:\n- 10-year-old kid\n- $2000 self-employment income in 2025\n- business expense is ZERO\n- no other income in 2025\n\nSelf-employment tax:\n1. net earnings = 2000 - 0 = 2000\n2. self-employment income = [1] * 92.35% = 2000 * 0.9235 = $1,847\n3. self-employment tax = [2] * 15.3% = $1,847 * 0.153 = $283\n4. deductible portion = [3] * 50% = $283 * 0.5 = $142\n\nQuestions:\n1. Can a 10-year-old kid file a tax as a single?\n2. How much IRA can this kid contribute? $2000, $1847, anything else?\n\n\n", "url": "https://reddit.com/r/personalfinance/comments/1r25lh1/questions_about_ira_contribution_for/" }, { "title": "Work 401(k) plus Solo 401(k) for side gig. Am I understanding?", "subreddit": "personalfinance", "num_comments": 6, "score": 0.876, "selftext": "My wife currently makes **160k** per year through her W2 employer and is considering picking up a side gig which could bring in anywhere from **50k to 120k** per year as a 1099. I make about **850k** per year all as W2. With our HHI I am obviously trying to maximize our tax advantaged retirement savings options and want to make sure I am understanding the Solo 401(k) rules correctly. \n\nRight now she contributes $24,500 to her work 401(k) and gets an employer match of $8,000 for a total pre-tax c", "url": "https://reddit.com/r/personalfinance/comments/1r25e37/work_401k_plus_solo_401k_for_side_gig_am_i/" }, { "title": "Pulling out of 401k after quitting a job", "subreddit": "personalfinance", "num_comments": 135, "score": 0.87, "selftext": "So I quit a job last year, and a few months after I quit I got a letter in the mail saying withdraw my 401k, or they\u2019ll just take it back. I decided to pull it out since I had appliances to fix and other things. I had about $5000 in there, and after pulling it out, I only got $3700 due to taxes and such. \n\nNow my question is, will I be fucked on my taxes this year? Even though I had them be pulled out?", "url": "https://reddit.com/r/personalfinance/comments/1qctcp4/pulling_out_of_401k_after_quitting_a_job/" }, { "title": "Pay debt or 401(k)?", "subreddit": "povertyfinance", "num_comments": 10, "score": 0.868, "selftext": "I just started a new job (yeah me!) and have the option to contribute a 401(k). \n\nI\u2019m in my late 50s and have zero savings now. Rent, no car, and work from home. I am also an LLC for business purposes, but am a direct employee at my new job. \n\nHowever, my total debt is about 4x my annual pre-tax salary. Should I focus on debt pay down or still put a little aside?\n\nTIA! ", "url": "https://reddit.com/r/povertyfinance/comments/1r16lp5/pay_debt_or_401k/" }, { "title": "How much should I contribute to 401k?", "subreddit": "personalfinance", "num_comments": 242, "score": 0.864, "selftext": "I make 50k a year. I have rotating weeks so 36 hours 1 week and 48 hours the next. Rent will be 1000 month from the cheapest apartment i could find. 450 car payment, 147 car insurance. 40 phone bill, 25 for gas on average weekly. maybe 50-70 a week for groceries. ", "url": "https://reddit.com/r/personalfinance/comments/1qzmknu/how_much_should_i_contribute_to_401k/" }, { "title": "Contributed to Roth IRA - turns out we're not elligible after a bonus", "subreddit": "personalfinance", "num_comments": 16, "score": 0.862, "selftext": "**Edit : looks like I was incorrectly assuming our combined salaries was the value to reference when it should be MAGI, which I did not realize accounts for other contributions. Thank you to everyone who replied. I know a lot more about Backdoor Roth's now, so prepared for that possible future, and a lot more about my current Roth IRA.**\n\n\n\nHey all,\n\ndone some digging and I think the answer is \"withdraw the Roth IRA contributions\". but...here's the scenario.\n\nMy wife and I got married in March 2", "url": "https://reddit.com/r/personalfinance/comments/1r24ei9/contributed_to_roth_ira_turns_out_were_not/" }, { "title": "Rollover Question/Clarification", "subreddit": "personalfinance", "num_comments": 7, "score": 0.854, "selftext": "Hello! I've been reading this sub for a long time with great benefit and am now seeking some clarification on my next steps regarding rollovers. I set up a Roth IRA with Vanguard awhile back that is invested in VTIVX 2045 that I've been able to max out each year and am happily watching that grow. Until recently, this was my only account with Vanguard. Over the past few weeks, I decided to roll over two different 401Ks from past employers to Vanguard to keep things easy to track. \n\nAs of now, the", "url": "https://reddit.com/r/personalfinance/comments/1r23t5g/rollover_questionclarification/" }, { "title": "31 and feeling behind financially", "subreddit": "personalfinance", "num_comments": 139, "score": 0.852, "selftext": "I am 31f. I make about 35k a year working for a small company. My benefits are 2 weeks sick leave, 2 weeks PTO. I make $17/hr.\n\nI have a small emergency fund. I don't have anything in a retirement and now I don't have any health insurance (I had a plan through marketplace, but it went from $0/month to $600/month, which I can't afford so I cancelled it).\n\nAny advice? I love my job and the field I work in, although it's a bit limited (there are only 2 companies in this whole county that do this). ", "url": "https://reddit.com/r/personalfinance/comments/1qnpe94/31_and_feeling_behind_financially/" }, { "title": "Early retirement brokerage allocation", "subreddit": "financialindependence", "num_comments": 51, "score": 0.852, "selftext": "If you\u2019re relying on brokerage account to fund early retirement, are you holding bonds there to minimize volatility? How do you balance this with minimizing dividend income?", "url": "https://reddit.com/r/financialindependence/comments/1qgdng4/early_retirement_brokerage_allocation/" }, { "title": "When they say \"save 15% for retirement\" do they mean...?", "subreddit": "personalfinance", "num_comments": 100, "score": 0.848, "selftext": "... exclusive of employer contributions? For example, my employer puts 3% of my salary towards my 401k (no match). If my withholding for 401k is set to 12%, am I hitting that recommended 15%? \nI'm having trouble right now comfortably meeting that 15% guideline, but I could mentally relax a bit if I knew that 12+3% was sufficient.\n\nFollow up question: what standard of living should generally be expected when following the 15% guideline? Like is that the recommendation because it's exactly enough ", "url": "https://reddit.com/r/personalfinance/comments/1qt3s89/when_they_say_save_15_for_retirement_do_they_mean/" }, { "title": "Risk with Dividend-style ETFs / Stocks on a short term horizon?", "subreddit": "personalfinance", "num_comments": 7, "score": 0.844, "selftext": "Finalizing my household's budget this month (pending year end bonus numbers), but I expect to have a taxable income of \\~$86,000 (married/jointly for tax implications). I've got about $14,000 in 12% federal bracket remaining and $12,000 before I pay capital gains.\n\nI live in a state with income tax, so a lot of my short term savings (saving for house downpayment with horizon of months)(emergency fund)(preloading an account for 2027 IRA contributions) are in SGOV (taxed at 12% income bracket with", "url": "https://reddit.com/r/personalfinance/comments/1r23adv/risk_with_dividendstyle_etfs_stocks_on_a_short/" }, { "title": "Roth IRA Income Phase-Out Range - Overcontribution", "subreddit": "personalfinance", "num_comments": 4, "score": 0.84, "selftext": "My spouse and I are just barely in Roth IRA income phase out - 2025 MAGI is 237k (MFJ). We are already maxing out 401ks and HSAs. We each contributed the full $7000 to our Roth IRAs in August 2025. We do not have any money in traditional IRAs, so we can utilize the backdoor Roth going forward.\n\nUnfortunately, my spouse already filed our 2025 taxes without reporting the Roth IRA contributions since they didn't realize we were in the phase-out range.\n\n1. I calculated we were eligible to contribute", "url": "https://reddit.com/r/personalfinance/comments/1r238ap/roth_ira_income_phaseout_range_overcontribution/" }, { "title": "Am I too focused on Roth?", "subreddit": "personalfinance", "num_comments": 4, "score": 0.838, "selftext": "", "url": "https://reddit.com/r/personalfinance/comments/1r28uvv/am_i_too_focused_on_roth/" }, { "title": "gut check regarding Roth withdrawal ordering rules with backdoor and mega-backdoor contributions.", "subreddit": "financialindependence", "num_comments": 16, "score": 0.834, "selftext": "For sake of argument, suppose I quit my job today with the following:\n\n* $800k in traditional 401(k) - consists of my pre-tax contributions, employer contributions, and earnings\n* $200k in Roth 401(k) - consists of $100k contributions I made to after-tax, non-Roth 401k, and immediately converted to Roth using in-plan conversion, plus $100k in earnings it's made since then. (MBDR)\n* $400k in Roth IRAs - Consists of $200k in conversions from traditional IRA (a little bit each year for the past 13 ", "url": "https://reddit.com/r/financialindependence/comments/1qdqzvj/gut_check_regarding_roth_withdrawal_ordering/" }, { "title": "Open government 457 and/or Roth IRA?", "subreddit": "personalfinance", "num_comments": 16, "score": 0.83, "selftext": "Hi, I am looking at opening a retirement account this year and trying to understand what my best option is. I'm 29, single, no dependents, and work part-time for a government employer that does not offer a 401k or matching contributions or anything to part-time employees (though our union is trying to negotiate that this year) but does currently offer a 457 plan either on a pre- or post-tax basis, again no matching.\n\n \nI recently hit my initial goal for my emergency fund (3 months of expenses) ", "url": "https://reddit.com/r/personalfinance/comments/1r21a62/open_government_457_andor_roth_ira/" }, { "title": "First time enrolling in a 401k and I need some help.", "subreddit": "personalfinance", "num_comments": 6, "score": 0.8280000000000001, "selftext": "Hi everyone, I recently started a new job and this is the first time I\u2019ve been offered a 401k so I\u2019m not sure what options to choose. I\u2019m 22 and make a little less than $30k but will hopefully move up within 6 months. \n\nMy company matches 0-4% every year depending on the company\u2019s performance so my aunt recommended I do 4% and my mom is recommending 10%. So I\u2019m not sure how much I should contribute. Next, I have the option for pre-tax and/or Roth 401k. It\u2019s letting me choose how much goes into e", "url": "https://reddit.com/r/personalfinance/comments/1r216of/first_time_enrolling_in_a_401k_and_i_need_some/" }, { "title": "Just Updated my 401k Contribution to 30% to near max. Did I do the right thing?", "subreddit": "personalfinance", "num_comments": 161, "score": 0.8260000000000001, "selftext": "Hey guys, I was looking into a few things the last couple of days and just updated my contribution to 30% (then 4% match so total of 34%) from 16%. Curious to hear you guys' thoughts if I did the right thing.\n\nTo start - I'm 31 and my wife is 25.\n\n \nWe maxed our Roth IRAs for 2025 and 2026 so about 15,000-16,000 a piece right now and will max again in January. I max my HSA.\n\nWe have salaries of 70,000 each. Wife contributes 15% (then 4% match) to her 401k.\n\n \nWe have 50,000 about to mature in ", "url": "https://reddit.com/r/personalfinance/comments/1qkrxo0/just_updated_my_401k_contribution_to_30_to_near/" }, { "title": "Should I Roll Over 401k?", "subreddit": "personalfinance", "num_comments": 5, "score": 0.8200000000000001, "selftext": "As the title suggests. Recently, I (28M) moved companies and I'm trying to figure out what to do with my old 401k.\n\n \nMy previous 401k was with Fidelity and has about $150k in it. I started a fresh 401k at my new company through Merrill Lynch. Is there a benefit to having them separate vs combining them?", "url": "https://reddit.com/r/personalfinance/comments/1r1zi66/should_i_roll_over_401k/" }, { "title": "Getting 50k, I'm in my twenties and want advice on what to do with this money", "subreddit": "personalfinance", "num_comments": 121, "score": 0.8180000000000001, "selftext": "Hi everyone, I (25m) am coming into some money soon, around $50,000. I've never had this much before, and I want to get an idea of what I should do with this money. I'm a college student in my junior year, and I'm planning on going to law school. I'll need to use some of this money to pay for living expenses currently and while in law school. I already have $1000 in a CD account, and another $1000 in my savings right now. Should I put more in another CD? Or should I find someone to invest in sto", "url": "https://reddit.com/r/personalfinance/comments/1qqk610/getting_50k_im_in_my_twenties_and_want_advice_on/" }, { "title": "How to think about large 401k balance as I get to retirement?", "subreddit": "financialindependence", "num_comments": 110, "score": 0.806, "selftext": "I\u2019m trying to understand how much is too much in our 401k accounts. 40M/36F looking to retire in the next 10 years. \n\nRight now our numbers are something like \n\n$4M brokerage (of that $300k is in Roth IRA)\n$1.3M 401k\n\nAssuming we both keep contributing the max in our 401ks. How do people handle $2-3M projected in 401ks during retirement?\n\n", "url": "https://reddit.com/r/financialindependence/comments/1qabldx/how_to_think_about_large_401k_balance_as_i_get_to/" }, { "title": "Investing a lump sum inheritance", "subreddit": "personalfinance", "num_comments": 83, "score": 0.804, "selftext": "BLUF: \n\nWe inherited 2.3 million in apple stock \n\nWe don\u2019t know the cost basis but I need help on how to properly diversify this to be stable for me and my family.\n\n I have a stable job for the next 10 years guaranteed and my wife is stay at home.\n\nAny recommendations ?", "url": "https://reddit.com/r/personalfinance/comments/1qbi5dm/investing_a_lump_sum_inheritance/" }, { "title": "Did I f*** up my 2025 taxes by asking for an after-tax 401k conversion to an already maxed out Roth IRA?", "subreddit": "financialindependence", "num_comments": 14, "score": 0.802, "selftext": "TLDR: I make 125k. Maxed out Roth IRA in Q1 2025 - $7k. Already requested conversion from my 401k company to transfer AFTER-tax dollars ($5k) to ROTH IRA. Am I allowed to do this? \n\nOk, so to preface I am a 26YO old trying to apply FIRE method to my life. I make around $125k with bonuses which are usually consistent. I have been maxing out my Roth IRA since I was 20 and attempting to max out my Pretax 401k since I started working fulltime in 2021. \n\nNow, for how I f-ed up, possibly. I watched", "url": "https://reddit.com/r/financialindependence/comments/1qb4q1z/did_i_f_up_my_2025_taxes_by_asking_for_an/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 53, "cross_source_count": 1, "reddit_post_count": 53, "question_signal_count": 53, "has_question_signal": true }, { "cluster_id": 65, "topics": [ { "topic_name": "At fault driver\u2019s insurance denied liability despite evidence", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/Insurance/comments/1qj2zcq/at_fault_drivers_insurance_denied_liability/", "signal_type": "question" }, { "topic_name": "Valet crashed my car - insurer marking me at-fault due to \u2018permissive use\u2019 - is this correct?", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/Insurance/comments/1qxyken/valet_crashed_my_car_insurer_marking_me_atfault/", "signal_type": "question" }, { "topic_name": "Who\u2019s at Fault", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/Insurance/comments/1r25ugz/whos_at_fault/", "signal_type": "question" }, { "topic_name": "Got into a 3 car accident. I was at the front. Other insurances deny liability.", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/Insurance/comments/1qd0p17/got_into_a_3_car_accident_i_was_at_the_front/", "signal_type": "question" }, { "topic_name": "Why isn\u2019t accident in a rental car not showing up on LexisNexis?", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/Insurance/comments/1r2dqq5/why_isnt_accident_in_a_rental_car_not_showing_up/", "signal_type": "question" }, { "topic_name": "minor fender bender", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/Insurance/comments/1r2cf46/minor_fender_bender/", "signal_type": "question" }, { "topic_name": "My insurance paid out an obvious fraud claim and my rates are messed up now", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/Insurance/comments/1qrsqz4/my_insurance_paid_out_an_obvious_fraud_claim_and/", "signal_type": "question" }, { "topic_name": "Rear ended someone while uninsured in my mom\u2019s car SIU involved, 20-min call scheduled. Worst case scenario?", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/Insurance/comments/1r1psfr/rear_ended_someone_while_uninsured_in_my_moms_car/", "signal_type": "question" }, { "topic_name": "Witnesses accident, claim filed in my name", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/Insurance/comments/1qeqei2/witnesses_accident_claim_filed_in_my_name/", "signal_type": "question" }, { "topic_name": "Received affidavit that wants me to list my assets", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/Insurance/comments/1qj3x0z/received_affidavit_that_wants_me_to_list_my_assets/", "signal_type": "question" }, { "topic_name": "Getting sued after insurance paid other driver.", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/Insurance/comments/1qwe7my/getting_sued_after_insurance_paid_other_driver/", "signal_type": "question" }, { "topic_name": "Girlfriend stopped short of accident in front of her and driver is claiming she hit him.", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/Insurance/comments/1qk6iut/girlfriend_stopped_short_of_accident_in_front_of/", "signal_type": "question" }, { "topic_name": "Post Car Accident Help", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/Insurance/comments/1r281hz/post_car_accident_help/", "signal_type": "question" }, { "topic_name": "Husband rear ended someone today", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/Insurance/comments/1qokphg/husband_rear_ended_someone_today/", "signal_type": "question" }, { "topic_name": "Failure to maintain lane control [NC]", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/legaladvice/comments/1r29hdn/failure_to_maintain_lane_control_nc/", "signal_type": "question" }, { "topic_name": "Am I cooked?", "source": "reddit", "region": "global", "score": 0.958, "url": "https://reddit.com/r/Insurance/comments/1qtiz7q/am_i_cooked/", "signal_type": "question" }, { "topic_name": "Is it dumb to hire a lawyer for a \"not that serious\" car accident?", "source": "reddit", "region": "global", "score": 0.958, "url": "https://reddit.com/r/legaladvice/comments/1r289jg/is_it_dumb_to_hire_a_lawyer_for_a_not_that/", "signal_type": "question" }, { "topic_name": "Ice from apartment building roof fell on car", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/Insurance/comments/1r27ff1/ice_from_apartment_building_roof_fell_on_car/", "signal_type": "question" }, { "topic_name": "Hertz rental hit me and ran 3 MONTHS ago still no adjustor", "source": "reddit", "region": "global", "score": 0.954, "url": "https://reddit.com/r/Insurance/comments/1qonnji/hertz_rental_hit_me_and_ran_3_months_ago_still_no/", "signal_type": "question" }, { "topic_name": "Who is found at fault in a pile up?", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/Insurance/comments/1qykrv7/who_is_found_at_fault_in_a_pile_up/", "signal_type": "question" }, { "topic_name": "Pregnant wife passenger in accident. Received full release of all injury claims with indemnity form to sign", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/Insurance/comments/1qwwoli/pregnant_wife_passenger_in_accident_received_full/", "signal_type": "question" }, { "topic_name": "Rear Ended at 65mph", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/Insurance/comments/1r1mqf5/rear_ended_at_65mph/", "signal_type": "question" }, { "topic_name": "Rear-ended a year ago, car totaled, haven't been paid out, and now charging lot fees?", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/Insurance/comments/1qh8kpy/rearended_a_year_ago_car_totaled_havent_been_paid/", "signal_type": "question" }, { "topic_name": "Accident", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/Insurance/comments/1r1q68t/accident/", "signal_type": "question" }, { "topic_name": "Pip settlement/drunk driving case", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/Insurance/comments/1qow20y/pip_settlementdrunk_driving_case/", "signal_type": "question" }, { "topic_name": "Is there a way to get someone's address from a license plate?", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/legaladvice/comments/1r2cjd1/is_there_a_way_to_get_someones_address_from_a/", "signal_type": "question" }, { "topic_name": "2 accidents 2 days in a row", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/Insurance/comments/1r1q6xs/2_accidents_2_days_in_a_row/", "signal_type": "question" }, { "topic_name": "Hit and run, or so I thought", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/Insurance/comments/1r1q5f2/hit_and_run_or_so_i_thought/", "signal_type": "question" }, { "topic_name": "Bumped into a friend's car- should I go through car insuranc", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/Insurance/comments/1r1lkqm/bumped_into_a_friends_car_should_i_go_through_car/", "signal_type": "question" }, { "topic_name": "Other driver has gotten a lawyer.", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/Insurance/comments/1qu44zl/other_driver_has_gotten_a_lawyer/", "signal_type": "question" }, { "topic_name": "Was in a car accident back in Feb 2025. now I am getting calls from debt collectors about my glasses", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/Insurance/comments/1qh4x0w/was_in_a_car_accident_back_in_feb_2025_now_i_am/", "signal_type": "question" }, { "topic_name": "I NEED HELP!! Personal injury claim with pre-existing condition & NO LAWYER", "source": "reddit", "region": "global", "score": 0.866, "url": "https://reddit.com/r/Insurance/comments/1r1n8xc/i_need_help_personal_injury_claim_with/", "signal_type": "question" }, { "topic_name": "Is this settlement reasonable after a parked car collision?", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/Insurance/comments/1qvbgr6/is_this_settlement_reasonable_after_a_parked_car/", "signal_type": "question" }, { "topic_name": "Talk to me about NC contributory negligence", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/Insurance/comments/1qvb5tj/talk_to_me_about_nc_contributory_negligence/", "signal_type": "question" }, { "topic_name": "First accident", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/Insurance/comments/1r1gn4y/first_accident/", "signal_type": "question" }, { "topic_name": "Door dent from hell, underinsured", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/Insurance/comments/1r1gdfb/door_dent_from_hell_underinsured/", "signal_type": "question" }, { "topic_name": "Parked car hit by tow truck", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/personalfinance/comments/1qvfvk6/parked_car_hit_by_tow_truck/", "signal_type": "question" }, { "topic_name": "I Accidently hit a Parked Car and Haven't Heard From Them, Could I get in Trouble Still?", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/Insurance/comments/1r10zbx/i_accidently_hit_a_parked_car_and_havent_heard/", "signal_type": "question" }, { "topic_name": "Auto accident", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/Insurance/comments/1r1f1us/auto_accident/", "signal_type": "question" }, { "topic_name": "Chunk of ice flew off semi truck and struck my vehicle", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/legaladvice/comments/1qqg2zd/chunk_of_ice_flew_off_semi_truck_and_struck_my/", "signal_type": "question" }, { "topic_name": "Auto insurance PA I hit a car but I'm getting off easy. What's the hitch?", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/Insurance/comments/1qpiyi9/auto_insurance_pa_i_hit_a_car_but_im_getting_off/", "signal_type": "question" }, { "topic_name": "Not at fault on our policy but at fault on the other", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/Insurance/comments/1qldcmw/not_at_fault_on_our_policy_but_at_fault_on_the/", "signal_type": "question" }, { "topic_name": "Arizona Road Debris - HOV Lane Collision", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/Insurance/comments/1r1hr8i/arizona_road_debris_hov_lane_collision/", "signal_type": "question" }, { "topic_name": "Man threatening to sue because I reported his on brothers death", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/legaladvice/comments/1r0b9sn/man_threatening_to_sue_because_i_reported_his_on/", "signal_type": "question" }, { "topic_name": "Someone hit my car, gave the cops an insurance that was no longer active", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/Insurance/comments/1r0hb3f/someone_hit_my_car_gave_the_cops_an_insurance/", "signal_type": "question" } ], "reddit_posts": [ { "title": "At fault driver\u2019s insurance denied liability despite evidence", "subreddit": "Insurance", "num_comments": 74, "score": 0.95, "selftext": "I have the dash cam footage of all of this.\n\nI was on the far right lane (which is not a right turn only lane) at an intersection behind a bus. Light turned green and I was waiting for the bus to complete its right turn. Once the bus finished its turn I began to move forward. All of a sudden a car in the middle lane attempts to make a right turn, hitting my front left bumper. I immediately turned my emergency lights on but saw that the other car was driving away, I attempted to follow but my car", "url": "https://reddit.com/r/Insurance/comments/1qj2zcq/at_fault_drivers_insurance_denied_liability/" }, { "title": "Valet crashed my car - insurer marking me at-fault due to \u2018permissive use\u2019 - is this correct?", "subreddit": "Insurance", "num_comments": 147, "score": 0.996, "selftext": "State: Michigan\n\nI used valet parking at a hotel. While I was inside, the valet driver (employee of a third-party valet company contracted by the hotel) crashed my vehicle into a parked car. I was not present.\n\nThe accident was caught on security cameras and clearly shows the valet driver at fault. Police were called and filed a report documenting that the valet driver was operating the vehicle and hit a parked car.\n\nI contacted the valet company - they verbally acknowledged their driver was at ", "url": "https://reddit.com/r/Insurance/comments/1qxyken/valet_crashed_my_car_insurer_marking_me_atfault/" }, { "title": "Who\u2019s at Fault", "subreddit": "Insurance", "num_comments": 18, "score": 0.994, "selftext": "Just wondering how they decide who is at fault.\n\nMy son had an accident in an intersection. I wasn\u2019t in the car, but the damage is to the passenger side door.\n\nHe says that he went through a yellow light. I don\u2019t approve, but this is common in my city and depending on the conditions, you risk getting rear ended if you stop too quickly.\n\nShe, of course, claims that her light was green. There was a third car involved when one of the cars went into the other lane and hit it.\n\nAssuming they are both", "url": "https://reddit.com/r/Insurance/comments/1r25ugz/whos_at_fault/" }, { "title": "Got into a 3 car accident. I was at the front. Other insurances deny liability.", "subreddit": "Insurance", "num_comments": 248, "score": 0.994, "selftext": "Just like the title, I got into a 3 car accident. I was stopped at the red light. Car B behind me stopped too. And then car C hit them which pushed them to rear end my car. I have Geico. Car B also has Geico. Car C has Tesla insurance.\n\nNow, Tesla denied liability for my car. They said they didn\u2019t hit me directly. Car B which is Geico also said they wasn\u2019t at fault so they can\u2019t take responsibility for my car either.\n\nMy rear bumper is slightly damaged, just popped out but still driveable though", "url": "https://reddit.com/r/Insurance/comments/1qd0p17/got_into_a_3_car_accident_i_was_at_the_front/" }, { "title": "Why isn\u2019t accident in a rental car not showing up on LexisNexis?", "subreddit": "Insurance", "num_comments": 0, "score": 0.99, "selftext": "I was involved in 2 very minor accidents while driving a car i rented from a rental company through an Uber partnership program. I was at fault both times and since both accidents were while i was actively doing rideshare Uber paid for the other vehicles\u2019 repairs but my rental was fine and didn\u2019t need any repairs at all. I reported both accidents to the rental company but they weren\u2019t concerned and let me return the car with no issue. I think they are self-insured and I bought their full coverag", "url": "https://reddit.com/r/Insurance/comments/1r2dqq5/why_isnt_accident_in_a_rental_car_not_showing_up/" }, { "title": "minor fender bender", "subreddit": "Insurance", "num_comments": 2, "score": 0.988, "selftext": "okay so last night I was picking up a friend and as I was pulling up, there was a parked car infront of me in the middle of the road (mind u this road wasn\u2019t wide enough to be pulled off onto the side, he was literally blocking the lane) as any sane person would, I reverse in order to go around him, and in the process I accidentally backed into the person who had pulled up behind me. I immediately got out to speak to the person, but after we both got out and examined our vehicles, the other pers", "url": "https://reddit.com/r/Insurance/comments/1r2cf46/minor_fender_bender/" }, { "title": "My insurance paid out an obvious fraud claim and my rates are messed up now", "subreddit": "Insurance", "num_comments": 181, "score": 0.988, "selftext": "I was tboned in a busy intersection. That accident wasn't my fault. My instinct was to pull into a shopping center and find a safe place to park. I pulled into a parking area and realized that were no feasible spots. I was injured and the car hit directly where my child was sitting. He was screaming and crying. My Tesla panel was going nuts with signs the car wasn't ok. I thought my car was going to be disabled at any minute and I was afraid of breaking down in a place that would block a lot of ", "url": "https://reddit.com/r/Insurance/comments/1qrsqz4/my_insurance_paid_out_an_obvious_fraud_claim_and/" }, { "title": "Rear ended someone while uninsured in my mom\u2019s car SIU involved, 20-min call scheduled. Worst case scenario?", "subreddit": "Insurance", "num_comments": 48, "score": 0.986, "selftext": "I\u2019m looking for advice because I\u2019m honestly stressed about this situation. A few days ago, I rear ended another vehicle. There were no police involved and no report was made at the scene. I was driving my mom\u2019s car at the time. The vehicle is insured under her policy, but I was not listed as a driver on the policy when the accident happened. Now the other driver\u2019s insurance company (State Farm) has reached out and scheduled a 20-minute phone call with their Special Investigative Unit (SIU). From", "url": "https://reddit.com/r/Insurance/comments/1r1psfr/rear_ended_someone_while_uninsured_in_my_moms_car/" }, { "title": "Witnesses accident, claim filed in my name", "subreddit": "Insurance", "num_comments": 19, "score": 0.984, "selftext": "Hello,\n\nI\u2019m not sure if this is the right place to ask. However, StateFarm won\u2019t give me a straight answer about what\u2019s going on. \n\nSituation: I was driving down a back road around 0430, down a steep hill, and noticed a tree had fallen across the road. I slowly approached, hoping that I could just move it and be on my way. As I got closer, I noticed the tree had pulled a power line down and it was now suspended by that line. I immediately backed up 500m or so and turned on my hazards. I called t", "url": "https://reddit.com/r/Insurance/comments/1qeqei2/witnesses_accident_claim_filed_in_my_name/" }, { "title": "Received affidavit that wants me to list my assets", "subreddit": "Insurance", "num_comments": 93, "score": 0.98, "selftext": "I recently got into an accident last Tuesday and they ruled me at fault. The other party claims they have injuries and they got a lawyer. GEICO sent me a letter in the mail that had an affidavit on there that wants me to list out my monthly expenses as well as how much I bring home. There is a letter attached from the injury lawyer addressed to my insurance and it says the following ,\u201dshould you GEICO simply provide the requested information, we would be able to advise our client as such so that", "url": "https://reddit.com/r/Insurance/comments/1qj3x0z/received_affidavit_that_wants_me_to_list_my_assets/" }, { "title": "Getting sued after insurance paid other driver.", "subreddit": "Insurance", "num_comments": 58, "score": 0.976, "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 ", "url": "https://reddit.com/r/Insurance/comments/1qwe7my/getting_sued_after_insurance_paid_other_driver/" }, { "title": "Girlfriend stopped short of accident in front of her and driver is claiming she hit him.", "subreddit": "Insurance", "num_comments": 64, "score": 0.974, "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", "url": "https://reddit.com/r/Insurance/comments/1qk6iut/girlfriend_stopped_short_of_accident_in_front_of/" }, { "title": "Post Car Accident Help", "subreddit": "Insurance", "num_comments": 11, "score": 0.964, "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", "url": "https://reddit.com/r/Insurance/comments/1r281hz/post_car_accident_help/" }, { "title": "Husband rear ended someone today", "subreddit": "Insurance", "num_comments": 131, "score": 0.964, "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", "url": "https://reddit.com/r/Insurance/comments/1qokphg/husband_rear_ended_someone_today/" }, { "title": "Failure to maintain lane control [NC]", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.964, "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", "url": "https://reddit.com/r/legaladvice/comments/1r29hdn/failure_to_maintain_lane_control_nc/" }, { "title": "Am I cooked?", "subreddit": "Insurance", "num_comments": 65, "score": 0.958, "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", "url": "https://reddit.com/r/Insurance/comments/1qtiz7q/am_i_cooked/" }, { "title": "Is it dumb to hire a lawyer for a \"not that serious\" car accident?", "subreddit": "LegalAdvice", "num_comments": 2, "score": 0.958, "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", "url": "https://reddit.com/r/legaladvice/comments/1r289jg/is_it_dumb_to_hire_a_lawyer_for_a_not_that/" }, { "title": "Ice from apartment building roof fell on car", "subreddit": "Insurance", "num_comments": 33, "score": 0.956, "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. ", "url": "https://reddit.com/r/Insurance/comments/1r27ff1/ice_from_apartment_building_roof_fell_on_car/" }, { "title": "Hertz rental hit me and ran 3 MONTHS ago still no adjustor", "subreddit": "Insurance", "num_comments": 90, "score": 0.954, "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", "url": "https://reddit.com/r/Insurance/comments/1qonnji/hertz_rental_hit_me_and_ran_3_months_ago_still_no/" }, { "title": "Who is found at fault in a pile up?", "subreddit": "Insurance", "num_comments": 29, "score": 0.946, "selftext": "Ever look on the news and see a headline \"70 cars involved in deadly pile up on hwy so and so.\"\n\nIn that scenario, who would be found at fault? Is everyone found at fault? Is no one found at fault? Are the first 2 drivers that caused initial accident at fault for the whole thing? How does that work? ", "url": "https://reddit.com/r/Insurance/comments/1qykrv7/who_is_found_at_fault_in_a_pile_up/" }, { "title": "Pregnant wife passenger in accident. Received full release of all injury claims with indemnity form to sign", "subreddit": "Insurance", "num_comments": 45, "score": 0.944, "selftext": "Good afternoon and thanks for reading. \n\nMy wife and I were hit head on when we were stopped at a red light. Wife is okay for now with no current injuries, and baby was checked out and was still healthy with no complications. She is due in May. We are receiving payout for the car from the at-fault insurance (Progressive, same carrier as myself). \n\nNow my concern is that we received a Full Release Of All Injury Claims with Indemnity form to sign, which as I\u2019m reading will release the other party ", "url": "https://reddit.com/r/Insurance/comments/1qwwoli/pregnant_wife_passenger_in_accident_received_full/" }, { "title": "Rear Ended at 65mph", "subreddit": "Insurance", "num_comments": 20, "score": 0.938, "selftext": "Location: Florida\n\nBackground: Myself, wife, and 4 y/o daughter were on the freeway at a standstill. Vehicle rear ended me, at a dead stop, going 65mph (openly admitted which is over the 55mph speed limit). He hit the back left of my vehicle, setting off all the side airbags and totaling the vehicle. \n\nMiraculously, there were no immediate injuries and we were able to walk away at the time. Fast forward 2 days and pain was starting to set in. Seen at an urgent care and X-rays were taken of necks", "url": "https://reddit.com/r/Insurance/comments/1r1mqf5/rear_ended_at_65mph/" }, { "title": "Rear-ended a year ago, car totaled, haven't been paid out, and now charging lot fees?", "subreddit": "Insurance", "num_comments": 78, "score": 0.924, "selftext": "Almost a year ago I was rear-ended (I am insured with Progressive), it was a chain-reaction crash, my car was totaled. The person that hit me must have been going 45MPH, no breaks, slams into the back of me. I have been fighting their insurance Geico for almost a year to get paid out. (I have limited liability) I have bought a new vehicle, but still have not been paid out, and I already signed a document agreeing to the amount I would receive from them. The local adjuster is sending me a letter ", "url": "https://reddit.com/r/Insurance/comments/1qh8kpy/rearended_a_year_ago_car_totaled_havent_been_paid/" }, { "title": "Accident", "subreddit": "Insurance", "num_comments": 7, "score": 0.912, "selftext": "August 2023 I was in an accident at a stop light. We both blamed each other. The police came and took our statements. No one needed medical treatment and no one used an ambulance. I basically stopped driving in September. I\n\nno longer had a car to drive so I didn\u2019t renew my insurance \n\nIt\u2019s been about 30 months since the accident. Yesterday I was issued a summons because the other driver was suing me for 100,000 dollars due mostly to injuries and lost wages \n\nI called my insurance and they gave ", "url": "https://reddit.com/r/Insurance/comments/1r1q68t/accident/" }, { "title": "Pip settlement/drunk driving case", "subreddit": "Insurance", "num_comments": 43, "score": 0.912, "selftext": "Hi guys! \n\nSo, to make a long story short, I was hit by a drunk driver on the highway early this summer. He blew 3X the legal limit and was going the wrong way down the road. I was immediately transported to the hospital unconscious, diagnosed with a mild traumatic brain injury with loss of consciousness, cervical spine injury, heavy bruising/soft tissue damage, and most importantly, hearing loss bilaterally and permanently(sensorineural) (in the mild-moderate range). Now I was out of work for", "url": "https://reddit.com/r/Insurance/comments/1qow20y/pip_settlementdrunk_driving_case/" }, { "title": "Is there a way to get someone's address from a license plate?", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.906, "selftext": "so a while ago I was the victim of a hit and run, so I need any advice on how to get the person's address to take them to court. My insurance isn't doing anything to help me since I have the cheapest one I could find. I already went to the police but they were completely useless even though I had their license plate number. \n\nLocation: Los Angeles ", "url": "https://reddit.com/r/legaladvice/comments/1r2cjd1/is_there_a_way_to_get_someones_address_from_a/" }, { "title": "2 accidents 2 days in a row", "subreddit": "Insurance", "num_comments": 9, "score": 0.902, "selftext": "hey there everyone this is my first post in reddit im trying to get an idea what would be the best move right now, this weekend me (driver) and my wife were rear ended right in front of a red light, the guy accept he was at fault and we call the cops, no major issue, i called my insurance and filled a claim, now, a day after, my wife took my car and went to school, on her way somebody rear ended her, same spot, the thing is my wife is not listed in my policy, she wasnt at fault but the party at ", "url": "https://reddit.com/r/Insurance/comments/1r1q6xs/2_accidents_2_days_in_a_row/" }, { "title": "Hit and run, or so I thought", "subreddit": "Insurance", "num_comments": 2, "score": 0.9, "selftext": "I was side swiped and slid across the freeway and luckily was able to get on the side of the road. It was dark and I didn't see where the other driver was so I assumed it was a hit and run. \n\nCop asked what car was it, I said I wasn't sure maybe a navy blue box car and he asked if it was a jeep and I said I don't know and he walked away from me never confirming nor denying. So I'm still left unsure of where the driver is. \n\nI talked to my insurance and she told me they do have the other parties ", "url": "https://reddit.com/r/Insurance/comments/1r1q5f2/hit_and_run_or_so_i_thought/" }, { "title": "Bumped into a friend's car- should I go through car insuranc", "subreddit": "Insurance", "num_comments": 13, "score": 0.88, "selftext": "Hi Everyone,\n\nHoping for some direction here. Bumped into my buddies car a few weeks back and caused some minor damage to the passenger door. He went and got 2 estimates that are within a few hundred of each other (2,100 vs 1,500).\n\nI have never been in an accident before or had a claim. Would it make sense just to write a check to cover the cost of the repair or let them file a claim through my insurance? \n\nAny suggestions would be greatly appreciated!", "url": "https://reddit.com/r/Insurance/comments/1r1lkqm/bumped_into_a_friends_car_should_i_go_through_car/" }, { "title": "Other driver has gotten a lawyer.", "subreddit": "Insurance", "num_comments": 15, "score": 0.876, "selftext": "I was in a car accident about half year ago. Cars are totaled.\n\nThe police report indicates there was NO injury at the accident. I also have taken pictures of the scene. From pictures, other driver appeared ok. I have forwarded/uploaded the information to the insurance.\n\nAbout 2 weeks after accident, I was informed by my adjuster that other driver has gotten a lawyer. Then some days later, the insurance settled the property damages.\n\nFast forward 6 months later, the claim is still open and I hav", "url": "https://reddit.com/r/Insurance/comments/1qu44zl/other_driver_has_gotten_a_lawyer/" }, { "title": "Was in a car accident back in Feb 2025. now I am getting calls from debt collectors about my glasses", "subreddit": "Insurance", "num_comments": 12, "score": 0.87, "selftext": "In February 2025, I was involved in a car accident where another driver suddenly collided with my vehicle, totaling it. During the impact, my eyeglasses were damaged and required replacement. At my eye doctor's office, I provided the at-fault driver's insurance information, and they assured me it would cover the cost of the new glasses.\n\nHowever, 6-8 months later, I received a call from a debt collector claiming I owed approximately $900, stating that an unfamiliar insurance policy\u2014possibly rela", "url": "https://reddit.com/r/Insurance/comments/1qh4x0w/was_in_a_car_accident_back_in_feb_2025_now_i_am/" }, { "title": "I NEED HELP!! Personal injury claim with pre-existing condition & NO LAWYER", "subreddit": "Insurance", "num_comments": 6, "score": 0.866, "selftext": "I was rear-ended in October while at a near stop turning into my driveway at 45mph-ish. I took the ambulance to the hospital for neck/back/right thumb. I've dealt with a myriad of spine issues since my teens (I'm 45), my hands are really arthritic from an accident 12yrs ago, and everything was throbbing.\n\nFor years I've seen a pain mgmt doc monthly, I'm medicated, and over the year pre-accident I had 2 blocks of nerves ablated. I have cervical and lumbar stenosis (narrowing space around the s", "url": "https://reddit.com/r/Insurance/comments/1r1n8xc/i_need_help_personal_injury_claim_with/" }, { "title": "Is this settlement reasonable after a parked car collision?", "subreddit": "Insurance", "num_comments": 9, "score": 0.864, "selftext": "Last week, I was sitting in my parked car when another driver tried to front park and hit my car hard. The car made a loud \u201cboom\u201d noise when it was hit and I felt the impact. I have a subcompact SUV and the person who hit me has a midsize SUV. The other party confirmed their fault, so my claim is being handled through the other party\u2019s insurance.\n\nLater that day, pain started in the middle of my neck and middle of my back, both sides of my upper shoulder area, and then spread to my dominant arm.", "url": "https://reddit.com/r/Insurance/comments/1qvbgr6/is_this_settlement_reasonable_after_a_parked_car/" }, { "title": "Talk to me about NC contributory negligence", "subreddit": "Insurance", "num_comments": 5, "score": 0.86, "selftext": "So 6+ months ago I was in NC in a rental vehicle on the high-way and another vehicle merged into me. At this point I don't recall if I had space to dodge or not. In the last 2 weeks they called for a statement and I'm sure I said something indicating 1% fault. What a way to find out NC's odd regime!\n\nBut how on earth does anyone get a claim paid in NC? The only way I as a driver can not be partially at fault is if I'm parked it seems. If I am driving at an intersection, have a green light, and a", "url": "https://reddit.com/r/Insurance/comments/1qvb5tj/talk_to_me_about_nc_contributory_negligence/" }, { "title": "First accident", "subreddit": "Insurance", "num_comments": 3, "score": 0.856, "selftext": "Hello everyone i was involved in my first accident back in March of 2025. The accident occurred in las vegas and I was found at fault. With this being my first accident I i truly don't have much of an idea of whats going on in the background. My insurance agent has been as helpful as she can be and the lawyer representing me doesnt seem to want to give me any answers so im hoping to get some help here. So as stated I was involved in a accident in March pf 2025 its been a lengthy process that I t", "url": "https://reddit.com/r/Insurance/comments/1r1gn4y/first_accident/" }, { "title": "Door dent from hell, underinsured", "subreddit": "Insurance", "num_comments": 2, "score": 0.854, "selftext": "hey just looking for advice. I backed into someone's door while I was driving a rental car with no added insurance. The rental car took no damage. The other person's car has a 6 inch by 2 inch dent in the door roughly. I didn't have added insurance cause I thought I had collision on my policy that covers rentals as well, but alas its an expensive mistake. I am fine with paying for the repairs and have been actively going to get estimates, they have ranged from 1300-4700$. He wants to go with the", "url": "https://reddit.com/r/Insurance/comments/1r1gdfb/door_dent_from_hell_underinsured/" }, { "title": "Parked car hit by tow truck", "subreddit": "personalfinance", "num_comments": 33, "score": 0.846, "selftext": "So I was hit by a tow truck (contracted with triple a roadside assistance) while parked in front of my house. (Rear bumper ripped off halfway)\n\nI don't touch it and borrowed my siblings' truck in the morning to take to work. On the way, the tow company calls me and says they accept fault and want to make things right. They say they're going to take my car to get it checked out. I wasn't sure how to go about things and so I arranged for my sister to meet them at my house to give them the key so t", "url": "https://reddit.com/r/personalfinance/comments/1qvfvk6/parked_car_hit_by_tow_truck/" }, { "title": "I Accidently hit a Parked Car and Haven't Heard From Them, Could I get in Trouble Still?", "subreddit": "Insurance", "num_comments": 15, "score": 0.846, "selftext": "I live in northern California. While backing out of a driveway late at night I accidently backed into a parked car. This car was in my blind spot so I didn't really see it until the last minute. I got out and I looked over the damages and there was a small dent in their door and a little bit of my cars paint on the door, but other than that no other damages.\n\nThis car was parked along a curb and not infront of a house so I wasn't sure who the owner was. I wasn't sure if I should go door to door ", "url": "https://reddit.com/r/Insurance/comments/1r10zbx/i_accidently_hit_a_parked_car_and_havent_heard/" }, { "title": "Auto accident", "subreddit": "Insurance", "num_comments": 7, "score": 0.844, "selftext": "I was involved in an auto accident in michigan where I was rear ended. The other driver was ticketed and I was not. Im in my early 20s. I suffered a concussion, T-1 fracture and lower back disc slippage and a few other minor injuries. Due to this ive lost my car, and my job. ive hired an attorney. Realistically what's the time frame and possible settlement range I can expect. ", "url": "https://reddit.com/r/Insurance/comments/1r1f1us/auto_accident/" }, { "title": "Chunk of ice flew off semi truck and struck my vehicle", "subreddit": "LegalAdvice", "num_comments": 41, "score": 0.838, "selftext": "I was passing a semi on the highway last week and a chunk of ice flew off a trailer and went through my windshield hitting my fianc\u00e9, causing her to lose an eye. The truck and trailer were nondescript and state police and DOT have been otherwise helpful but have no leads yet. Is she pretty much reliant on waiting for the outcome of the investigation before pursuing legal action? Other than hiring a lawyer, where do we start? It\u2019s highly probable she will be unable to continue working at her curr", "url": "https://reddit.com/r/legaladvice/comments/1qqg2zd/chunk_of_ice_flew_off_semi_truck_and_struck_my/" }, { "title": "Auto insurance PA I hit a car but I'm getting off easy. What's the hitch?", "subreddit": "Insurance", "num_comments": 6, "score": 0.832, "selftext": "I was plowing snow in a driveway. I grazed the rear bumper cover of a 2025 Subaru Forester and snapped a piece off. I told the owner about it right away and that I'll make it right whatever I have to do. She was very cool about it. She later turned it into her insurance, told them it got hit by a snowplow. They're taking care of it but they didn't even ask her who did it. Will they ask her about that later? I've already told her if they do to please tell them. I figure they'd rather work with me", "url": "https://reddit.com/r/Insurance/comments/1qpiyi9/auto_insurance_pa_i_hit_a_car_but_im_getting_off/" }, { "title": "Not at fault on our policy but at fault on the other", "subreddit": "Insurance", "num_comments": 34, "score": 0.8240000000000001, "selftext": "Quick facts:\n\n\\- Wife was rear-ended by commercial truck with unlicensed driver who was cited for that and for driving recklessly.\n\n\\- Commercial policy (other driver) claimed my wife was at fault just because driver said she swerved in front of him (no evidence and not true).\n\n\\- Both policies are Progressive.\n\n\\- Our policy found us not at fault but we didn't have coverage for rental car. Adjuster on my policy said 'go get a rental and the commercial policy (other driver) will pay for it once", "url": "https://reddit.com/r/Insurance/comments/1qldcmw/not_at_fault_on_our_policy_but_at_fault_on_the/" }, { "title": "Arizona Road Debris - HOV Lane Collision", "subreddit": "Insurance", "num_comments": 22, "score": 0.8200000000000001, "selftext": "Hello everybody!\n\nI was driving in the HOV lane this afternoon and got an alert on Google Maps that there was an object in the road. This is not unusual for Arizona - I\u2019ve seen metal ladders, plastic buckets, huge construction cones, plywood, etc. in the middle of the road out here. I was keeping my eyes peeled and looking to my right in the other lanes and in front of me to see if I could find this debris. Unfortunately, there was an SUV in front of me (I was more than a car\u2019s length behind it)", "url": "https://reddit.com/r/Insurance/comments/1r1hr8i/arizona_road_debris_hov_lane_collision/" }, { "title": "Man threatening to sue because I reported his on brothers death", "subreddit": "LegalAdvice", "num_comments": 27, "score": 0.8180000000000001, "selftext": "Location: Florida, US.\n\nUDPATE: it\u2019s been 24 hours and he hasn\u2019t said anything else.\n\nIm an independent reporter for my local area. A day after new years I was told about a drunk driver had crashed into a lake in a neighborhood near my house. I was on scene for over 3 hours taking pictures and watching Fire Department and law enforcement do their thing and remove the car from the water.\n\nThe story I heard from bystanders was a man who grandparents lived in the neighborhood was partying during Ne", "url": "https://reddit.com/r/legaladvice/comments/1r0b9sn/man_threatening_to_sue_because_i_reported_his_on/" }, { "title": "Someone hit my car, gave the cops an insurance that was no longer active", "subreddit": "Insurance", "num_comments": 40, "score": 0.806, "selftext": "I was rear ended about 4 days ago. The at fault driver gave me a cracked bumper. I am on a liability plan with my mom. I got out of the car and took pictures of her license plate and the damages immediately. We were able to pull over off the road. When we both got out she said \u201cI don\u2019t have to call the police, I work in insurance\u201d. I immediately called the police and told them what happened. During the waiting period, the driver was asking me how much was my deductible. I replied that I didn\u2019t ", "url": "https://reddit.com/r/Insurance/comments/1r0hb3f/someone_hit_my_car_gave_the_cops_an_insurance/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 45, "cross_source_count": 1, "reddit_post_count": 45, "question_signal_count": 45, "has_question_signal": true }, { "cluster_id": 15, "topics": [ { "topic_name": "Neighbor\u2019s kid let herself into my house looking to play with my kids. Dog bit her.", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/legaladvice/comments/1qnlwdf/neighbors_kid_let_herself_into_my_house_looking/", "signal_type": "question" }, { "topic_name": "Neighbor wants us to pay for his dogs death after coyote attack", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/legaladvice/comments/1qohleu/neighbor_wants_us_to_pay_for_his_dogs_death_after/", "signal_type": "question" }, { "topic_name": "My friend has a squatter and wants her out", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/legaladvice/comments/1r27bka/my_friend_has_a_squatter_and_wants_her_out/", "signal_type": "question" }, { "topic_name": "Can I break my lease if my neighbor threaten to cut my head off?", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/legaladvice/comments/1r1zvrq/can_i_break_my_lease_if_my_neighbor_threaten_to/", "signal_type": "question" }, { "topic_name": "Landlord charging us $10k to renovate apartment after we moved out.", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/legaladvice/comments/1r1d76e/landlord_charging_us_10k_to_renovate_apartment/", "signal_type": "question" }, { "topic_name": "CT - if I am not on parole or probation, does my roommate's parole officer have any authority over me?", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/legaladvice/comments/1qkioiw/ct_if_i_am_not_on_parole_or_probation_does_my/", "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?", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/legaladvice/comments/1qn1jwa/someone_left_there_dog_for_me_to_watch_for_a/", "signal_type": "question" }, { "topic_name": "Amazon delivery driver claims my dog bit him, Ring footage shows otherwise.", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/legaladvice/comments/1r1ebv9/amazon_delivery_driver_claims_my_dog_bit_him_ring/", "signal_type": "question" }, { "topic_name": "Am I required to accommodate my roommate's disability?", "source": "reddit", "region": "global", "score": 0.968, "url": "https://reddit.com/r/legaladvice/comments/1qykpwf/am_i_required_to_accommodate_my_roommates/", "signal_type": "question" }, { "topic_name": "Rescue ANIMALS USA \u2014 staged animal\u2011distress videos, Vietnamese text, claims to be in Texas", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/Scams/comments/1r1m6ud/rescue_animals_usa_staged_animaldistress_videos/", "signal_type": "question" }, { "topic_name": "I sued my Landlord and won!", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/legaladvice/comments/1r1r1wd/i_sued_my_landlord_and_won/", "signal_type": "question" }, { "topic_name": "In-laws house condemned, I helped the police take their cat", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/legaladvice/comments/1r28hc6/inlaws_house_condemned_i_helped_the_police_take/", "signal_type": "question" }, { "topic_name": "I left a 1-star Google review for a contractor and now he\u2019s threatening to sue me for defamation unless I take it down. What am I supposed to do?", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/legaladvice/comments/1qh749v/i_left_a_1star_google_review_for_a_contractor_and/", "signal_type": "question" }, { "topic_name": "Ex roommate won't come get his table he left and said if I sell it he'll sue me.", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/legaladvice/comments/1r0p3m5/ex_roommate_wont_come_get_his_table_he_left_and/", "signal_type": "question" }, { "topic_name": "Neighbor regularly drives home drunk and I've had enough.", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/legaladvice/comments/1qzmvmy/neighbor_regularly_drives_home_drunk_and_ive_had/", "signal_type": "question" }, { "topic_name": "My son overheard his mother's boyfriend talking about \"getting rid of me\"", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/legaladvice/comments/1qdlgzy/my_son_overheard_his_mothers_boyfriend_talking/", "signal_type": "question" }, { "topic_name": "[Los Angeles] Property Owner demands I relocate so he can move his nephew in. Says I WILL make move-out plans or my unit will be \u2018withdrawn\u2019 from the market.", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/povertyfinance/comments/1r0rkf6/los_angeles_property_owner_demands_i_relocate_so/", "signal_type": "question" }, { "topic_name": "Neighbor threatening to sue because I did not help with a pest issue.", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/legaladvice/comments/1qc42tm/neighbor_threatening_to_sue_because_i_did_not/", "signal_type": "question" }, { "topic_name": "Pet sitter tortured our animals", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/legaladvice/comments/1qyg91u/pet_sitter_tortured_our_animals/", "signal_type": "question" }, { "topic_name": "Bus driver dropped kid off to wrong house.", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/legaladvice/comments/1qk10iu/bus_driver_dropped_kid_off_to_wrong_house/", "signal_type": "question" }, { "topic_name": "My widdowed 82 year old friend is being forced to remove a 20k$+ generator from her HOA", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/legaladvice/comments/1qe6ota/my_widdowed_82_year_old_friend_is_being_forced_to/", "signal_type": "question" }, { "topic_name": "Would chinese biological parents have the ability to keep my husband from leaving China if he went to visit?", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/legaladvice/comments/1qm3cuq/would_chinese_biological_parents_have_the_ability/", "signal_type": "question" }, { "topic_name": "My mom is sueing me for defamation", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/legaladvice/comments/1qxk39c/my_mom_is_sueing_me_for_defamation/", "signal_type": "question" }, { "topic_name": "My mom is saying the county is going to press charges against me for \u201clying\u201d, is this true and what do I do?", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/legaladvice/comments/1qdu5wd/my_mom_is_saying_the_county_is_going_to_press/", "signal_type": "question" }, { "topic_name": "(US) Child in danger call", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/Scams/comments/1qrvnf3/us_child_in_danger_call/", "signal_type": "question" }, { "topic_name": "Is my case worth pushing? Fraudulent / negligent misrepresentation", "source": "reddit", "region": "global", "score": 0.894, "url": "https://reddit.com/r/legaladvice/comments/1r2bkuh/is_my_case_worth_pushing_fraudulent_negligent/", "signal_type": "question" }, { "topic_name": "AZ Help. Process Server detained my 16 year old in the driveway to serve me paperwork, is this legal?", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/legaladvice/comments/1qr9ujg/az_help_process_server_detained_my_16_year_old_in/", "signal_type": "question" }, { "topic_name": "Update from yesterday", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/povertyfinance/comments/1r18guv/update_from_yesterday/", "signal_type": "question" }, { "topic_name": "Withholding damage deposit", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/legaladvice/comments/1r2arx9/withholding_damage_deposit/", "signal_type": "question" }, { "topic_name": "My roommate is trying to sue our property management", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/legaladvice/comments/1r2akhe/my_roommate_is_trying_to_sue_our_property/", "signal_type": "question" }, { "topic_name": "Loud apartment neighbor", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/legaladvice/comments/1r23ep6/loud_apartment_neighbor/", "signal_type": "question" }, { "topic_name": "It\u2019s been two months since move in and we still don\u2019t have a mailing address.", "source": "reddit", "region": "global", "score": 0.866, "url": "https://reddit.com/r/legaladvice/comments/1r1zsuz/its_been_two_months_since_move_in_and_we_still/", "signal_type": "question" }, { "topic_name": "Coparenting: is the parent with child allowed to go out?", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/legaladvice/comments/1qqc00k/coparenting_is_the_parent_with_child_allowed_to/", "signal_type": "question" }, { "topic_name": "Neighbors are abusing their children. I can hear it all. Anything I can do?", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/legaladvice/comments/1qwdvj0/neighbors_are_abusing_their_children_i_can_hear/", "signal_type": "question" }, { "topic_name": "Tenants rights advice for learning lease termination -CA", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/legaladvice/comments/1r27x4v/tenants_rights_advice_for_learning_lease/", "signal_type": "question" }, { "topic_name": "Sub-lease tenant claimed in court he\u2019s \u201cjust my neighbor,\u201d got restraining order, contacted my lender \u2014 need advice (CA)", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/legaladvice/comments/1qssb9h/sublease_tenant_claimed_in_court_hes_just_my/", "signal_type": "question" }, { "topic_name": "Can I sue my landlord in small claims?", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/legaladvice/comments/1r274gm/can_i_sue_my_landlord_in_small_claims/", "signal_type": "question" }, { "topic_name": "City ignored its own code to \"abate\" my Wildlife Refuge. Prosecutor dropped the case, but the City still wants me to pay for the \"service\" that destroyed 15+ year-old specimen plants.", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/legaladvice/comments/1qzdd4z/city_ignored_its_own_code_to_abate_my_wildlife/", "signal_type": "question" }, { "topic_name": "My mom is threatening to call CPS on me if I try to leave with my kids.", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/legaladvice/comments/1qxdvg3/my_mom_is_threatening_to_call_cps_on_me_if_i_try/", "signal_type": "question" }, { "topic_name": "Dog daycare neglect?", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/legaladvice/comments/1r20cjd/dog_daycare_neglect/", "signal_type": "question" }, { "topic_name": "Landlord got kicked out of her home, so she illegally locked me out and claimed I was never a tenant", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/legaladvice/comments/1r0tjlm/landlord_got_kicked_out_of_her_home_so_she/", "signal_type": "question" }, { "topic_name": "Neighbors contractors are blocking my driveway during their construction. Neighbor has an easement that allows for ingress and egress only. Should we call the Sheriff to take action? Or what\u2019s your legal advice?", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/legaladvice/comments/1qko9r3/neighbors_contractors_are_blocking_my_driveway/", "signal_type": "question" }, { "topic_name": "security deposit dispute", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/legaladvice/comments/1r26crf/security_deposit_dispute/", "signal_type": "question" }, { "topic_name": "Mold issue & landlord", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/legaladvice/comments/1r1utte/mold_issue_landlord/", "signal_type": "question" }, { "topic_name": "My roommate is moving out, don\u2019t know what I am going to do", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/povertyfinance/comments/1qzm5km/my_roommate_is_moving_out_dont_know_what_i_am/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Neighbor\u2019s kid let herself into my house looking to play with my kids. Dog bit her.", "subreddit": "LegalAdvice", "num_comments": 122, "score": 1.0, "selftext": "Location: MS\n\nMy kids play with the neighbor kids regularly. They are ages 4-7. We have a general rule that when they are playing in our back yard that they stay outside. Occasionally, the kids will just come over and open the door to my house and yell for my kids to come out and play. I tell them not to do that because we have a dog, but they are kids and never listen.\n\nToday, my kids were at one of their friend\u2019s house in another neighborhood playing in the snow. My wife was out with them. I w", "url": "https://reddit.com/r/legaladvice/comments/1qnlwdf/neighbors_kid_let_herself_into_my_house_looking/" }, { "title": "Neighbor wants us to pay for his dogs death after coyote attack", "subreddit": "LegalAdvice", "num_comments": 12, "score": 0.994, "selftext": "Location: Northern NM border to CO. USA\n\nMy family and I recently moved to a small town in the mountains for my husbands job. We bought a house that is in a neighborhood, surrounded by trees and lots of wildlife. There are signs everywhere about fines for off leash dogs and our HOA will send letters about mountain lions, coyote, bears and bob cat sightings. So living here it's expected that you keep pets inside or on a leash when outside. There are parks that have dog parks in them with 10ft hig", "url": "https://reddit.com/r/legaladvice/comments/1qohleu/neighbor_wants_us_to_pay_for_his_dogs_death_after/" }, { "title": "My friend has a squatter and wants her out", "subreddit": "LegalAdvice", "num_comments": 37, "score": 0.988, "selftext": "Location: carver county, Minnesota\n\nMy friend\u2019s mother is squatting in my friend\u2019s house and won\u2019t leave. She has set up residency (receives mail) and has refused to leave after being verbally told to go multiple times. She is causing destruction of property, creating biohazards, steals from my friend, and is generally disrupting my friend\u2019s and her family\u2019s lives and creating immense stress for my friend. They have no kind of lease or written or verbal agreement, she doesn\u2019t pay rent or pay for", "url": "https://reddit.com/r/legaladvice/comments/1r27bka/my_friend_has_a_squatter_and_wants_her_out/" }, { "title": "Can I break my lease if my neighbor threaten to cut my head off?", "subreddit": "LegalAdvice", "num_comments": 30, "score": 0.986, "selftext": "Location: Philadelphia \n\nSo my neighbor accused me of throwing chicken bones in his yard so naturally he threaten to cut my head off and throw it into the river, also spit at me and said he\u2019d stab me. And no, I did not throw chicken bones in his yard. Called the cops of course, he yelled at them too, they made a report and told me to call again if anything happens.\n\nNaturally I don\u2019t feel safe in my apartment any more, especially with my partner there alone a lot, so I contacted my building and ", "url": "https://reddit.com/r/legaladvice/comments/1r1zvrq/can_i_break_my_lease_if_my_neighbor_threaten_to/" }, { "title": "Landlord charging us $10k to renovate apartment after we moved out.", "subreddit": "LegalAdvice", "num_comments": 166, "score": 0.984, "selftext": "Location: California\n\nDecember of last year my wife, roommate and I moved out of our apartment and recently we received an invoice of $10K for repairs and renovations to the apartment. Me and my room mate had been living there for just over 10 years. Apart from replacing some of the blinds, there had been no work done to the inside of the unit. We replaced the fridge last year and the washer and dryer a few years back. We had two dogs with us, both required a non-refundable $500 deposit. \n\nBefor", "url": "https://reddit.com/r/legaladvice/comments/1r1d76e/landlord_charging_us_10k_to_renovate_apartment/" }, { "title": "CT - if I am not on parole or probation, does my roommate's parole officer have any authority over me?", "subreddit": "LegalAdvice", "num_comments": 82, "score": 0.982, "selftext": "We share a 1-family house. We each have our own bedrooms.\n\nHis P.O. has tried to intimidate me a few times for recording him when he came to the house, i just want to know what (if any) legal authority he actually has over me.\n\nHe's never actually threatened me with arrest, but he's implied that he could make my life difficult for filming. You can tell this guy has a chip on his shoulder and he's not used to being told \"no\". There's nothing he can actually do about me recording in my own living ", "url": "https://reddit.com/r/legaladvice/comments/1qkioiw/ct_if_i_am_not_on_parole_or_probation_does_my/" }, { "title": "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?", "subreddit": "LegalAdvice", "num_comments": 297, "score": 0.972, "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", "url": "https://reddit.com/r/legaladvice/comments/1qn1jwa/someone_left_there_dog_for_me_to_watch_for_a/" }, { "title": "Amazon delivery driver claims my dog bit him, Ring footage shows otherwise.", "subreddit": "LegalAdvice", "num_comments": 29, "score": 0.97, "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 ", "url": "https://reddit.com/r/legaladvice/comments/1r1ebv9/amazon_delivery_driver_claims_my_dog_bit_him_ring/" }, { "title": "Am I required to accommodate my roommate's disability?", "subreddit": "LegalAdvice", "num_comments": 176, "score": 0.968, "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", "url": "https://reddit.com/r/legaladvice/comments/1qykpwf/am_i_required_to_accommodate_my_roommates/" }, { "title": "Rescue ANIMALS USA \u2014 staged animal\u2011distress videos, Vietnamese text, claims to be in Texas", "subreddit": "Scams", "num_comments": 6, "score": 0.95, "selftext": "I came across a Facebook page called **Rescue ANIMALS USA** that posts constant videos of animals\u2014mostly kittens\u2014in extreme distress. The page claims to be based in Texas, but several things immediately raised red flags.\n\nThe environments shown in the videos don\u2019t resemble Texas at all, and much of the visible text in the footage is in **Vietnamese**, not English. The \u201crescues\u201d themselves look staged and repetitive, as if the same scenarios are being recreated over and over to generate emotional", "url": "https://reddit.com/r/Scams/comments/1r1m6ud/rescue_animals_usa_staged_animaldistress_videos/" }, { "title": "I sued my Landlord and won!", "subreddit": "LegalAdvice", "num_comments": 15, "score": 0.946, "selftext": "Location: Oregon\n\nIt took a lot of trial and error on my forms, but I sued my landlord who neglected to give me my $800 deposit back and won $1657. Twice the deposit plus filing fees. My question is, how do I write a demand letter now that I have won? I assume it should be simple and brief, but I don\u2019t know the correct lingo to use. Google shows me demand letters before tenants take their landlords to small claims court. I need some assistance with the letter that comes after I win. I also need ", "url": "https://reddit.com/r/legaladvice/comments/1r1r1wd/i_sued_my_landlord_and_won/" }, { "title": "In-laws house condemned, I helped the police take their cat", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.944, "selftext": "Location: Missouri\n\n \nShort version of the story:\u00a0\u00a0My wife\u2019s parents are hoarders and are bedridden. They were recently both taken to the hospital and while they were there, the state condemned their home. They had a cat that my wife and I were feeding for a while, but I eventually called the police after a couple weeks and reported the animal as abandoned. The cops came to remove the cat. I didn\u2019t open the door, but her parents have a small lockbox on the door with a key. I gave the cop the co", "url": "https://reddit.com/r/legaladvice/comments/1r28hc6/inlaws_house_condemned_i_helped_the_police_take/" }, { "title": "I left a 1-star Google review for a contractor and now he\u2019s threatening to sue me for defamation unless I take it down. What am I supposed to do?", "subreddit": "LegalAdvice", "num_comments": 87, "score": 0.944, "selftext": "location: Texas, USA\n\nI\u2019m 29M and hired a small home repair contractor to do some basic work (replace a few interior doors, fix a section of baseboard, patch a couple drywall spots). Nothing fancy. We agreed in writing by text on the scope and a total price, and I paid a deposit through Zelle. He showed up late the first day, did maybe 2 hours of work, left a mess, and then kept rescheduling for almost three weeks. When he finally came back, the door he installed wouldn\u2019t latch, the trim had gap", "url": "https://reddit.com/r/legaladvice/comments/1qh749v/i_left_a_1star_google_review_for_a_contractor_and/" }, { "title": "Ex roommate won't come get his table he left and said if I sell it he'll sue me.", "subreddit": "LegalAdvice", "num_comments": 117, "score": 0.94, "selftext": "Have no idea where this belongs flair wise. \n\nLocation: WV\n\nSo I had a roommate that left (he got kicked out by the landlord) last March but he left his table and chairs behind. \n\nI have told him and his relatives many times to come get the table that he left and they have told me that he doesn't want it. \n\nI recently told a relative of his that I was planning to sell the table as I inherited my great grandmothers table when she passed away recently and they relayed that information that he need", "url": "https://reddit.com/r/legaladvice/comments/1r0p3m5/ex_roommate_wont_come_get_his_table_he_left_and/" }, { "title": "Neighbor regularly drives home drunk and I've had enough.", "subreddit": "LegalAdvice", "num_comments": 76, "score": 0.9359999999999999, "selftext": "Location: California.\nMy in-laws live very close to us and do a huge amount of childcare for us. Their nextdoor neighbor (single middle-age male, works from home) regularly drives home drunk late at night, blasting music and obviously way beyond driving limits in a huge huge pickup truck. He was arrested for a DUI in his driveway last month but I guess he can keep driving because he hasn't had his court date yet? \n\nYesterday was the last straw. He drives home at 5:30pm in broad daylight complete", "url": "https://reddit.com/r/legaladvice/comments/1qzmvmy/neighbor_regularly_drives_home_drunk_and_ive_had/" }, { "title": "My son overheard his mother's boyfriend talking about \"getting rid of me\"", "subreddit": "LegalAdvice", "num_comments": 72, "score": 0.9299999999999999, "selftext": "Location: Florida\n\nMy son's mother and I have split custody. Her boyfriend hates me and has said some wild things about me that my son has overheard. This morning, my son called me after leaving their apartment to get on the bus and told me he was afraid for my life because he overheard her boyfriend stating that he knows people in the \"mafia\" and that tomorrow something bad is going to happen to me, and that my son is no longer going to have a father. He also mentioned he heard him talking abou", "url": "https://reddit.com/r/legaladvice/comments/1qdlgzy/my_son_overheard_his_mothers_boyfriend_talking/" }, { "title": "[Los Angeles] Property Owner demands I relocate so he can move his nephew in. Says I WILL make move-out plans or my unit will be \u2018withdrawn\u2019 from the market.", "subreddit": "povertyfinance", "num_comments": 72, "score": 0.928, "selftext": "I\u2019m spiraling. My property owner wants to relocate his extended family member into my current apartment unit. I\u2019ve lived here for over a year, always make rent, and have very limited housing options.\n\nThe building I live in has other tenants who likely will stay on their leases. Our lease has no provision that permits the termination of a contract for family, so this is the owners rationale.\n\nHe pretty much said:\n\n*\u201cDon\u2019t try to get cute with your LA housing laws. Make it easier on the both of u", "url": "https://reddit.com/r/povertyfinance/comments/1r0rkf6/los_angeles_property_owner_demands_i_relocate_so/" }, { "title": "Neighbor threatening to sue because I did not help with a pest issue.", "subreddit": "LegalAdvice", "num_comments": 50, "score": 0.926, "selftext": "Location: Wisconsin.\n\nI work in the pest control industry.\n\nA year ago one of my neighbors wanted to hire me for a rodent issue she's having. I told her that I do not service neighbors, nor anyone I know personally, because if she has an issue, she won't go through the proper channels. She will knock on my door and bother me while I'm off-duty. When she asked for advice, I told her the only advice I'm comfortable giving her is to look around the foundation of the property for entry points, and t", "url": "https://reddit.com/r/legaladvice/comments/1qc42tm/neighbor_threatening_to_sue_because_i_did_not/" }, { "title": "Pet sitter tortured our animals", "subreddit": "LegalAdvice", "num_comments": 63, "score": 0.922, "selftext": "location: charlottesville virginia \n\nwe just got back from vacation to find that our pet sitter had essentially tortured our animals. all of our fish are dead, we have had the tank for over 4 years and in one week they were all killed\n\nour dogs had used the bathroom on the floor multiple times and there were puddles of urine on the floor that had been there for long enough that it had dried, become sticky, and warped our floor boards\n\none of our dogs was locked outside and we dont know how long ", "url": "https://reddit.com/r/legaladvice/comments/1qyg91u/pet_sitter_tortured_our_animals/" }, { "title": "Bus driver dropped kid off to wrong house.", "subreddit": "LegalAdvice", "num_comments": 87, "score": 0.918, "selftext": "Location: Utah\n\nMy son (4 years old with possible autism, on an IEP) gets transportation to and from school though our local school district. He attends special education classes at our local elementary. Tuesday afternoon the bus driver left without him. So the school put him on the other bus the school has. Important to note we live about 5 minutes from the school. After about an hour I get a call and they say they are running late and will be there in 5 minutes. When they arrive the bus driver", "url": "https://reddit.com/r/legaladvice/comments/1qk10iu/bus_driver_dropped_kid_off_to_wrong_house/" }, { "title": "My widdowed 82 year old friend is being forced to remove a 20k$+ generator from her HOA", "subreddit": "LegalAdvice", "num_comments": 133, "score": 0.914, "selftext": "My friend is handicapped and diabetic. She recently had a generator installed on her property in case of any emergency that could mean her insulin goes bad in the fridge. It was installed behind some bushes on the side of the property where it cant be seen from the street, and it couldnt be installed anywhere else along the backside of the house due to local regulations that require a generator is not within however many feet of a crawlspace or window, etc.. The generator company is adament that", "url": "https://reddit.com/r/legaladvice/comments/1qe6ota/my_widdowed_82_year_old_friend_is_being_forced_to/" }, { "title": "Would chinese biological parents have the ability to keep my husband from leaving China if he went to visit?", "subreddit": "LegalAdvice", "num_comments": 86, "score": 0.91, "selftext": "My husband was born in China and ran away from home at the age of 6. He was put in an orphanage and adopted into an American family at the age of 12. He has met his biological family and is thinking about visiting.\n\nThey have his legal paperwork from when he was born, would they be able to keep him in China if he went to visit?\n\nLocation: Chongqing China and USA\n\n \nETA my husband is a US citizen, his parents have paperwork from when he was a Chinese citizen", "url": "https://reddit.com/r/legaladvice/comments/1qm3cuq/would_chinese_biological_parents_have_the_ability/" }, { "title": "My mom is sueing me for defamation", "subreddit": "LegalAdvice", "num_comments": 48, "score": 0.904, "selftext": "Location: New York City/LI. Age 25. Hi, my mom is sueing me for defamation. Her and I have been no contact for a while, I want nothing to do with her. I have not lived with her since I was 19, I moved out to escape her abuse. On Monday, my school posted a video on YouTube about my life story. In this video I spoke about overcoming abuse from my schizophrenic mother. There was a picture of me as a child in it with her holding me. This video was posted to inspire others, nothing malicious. Well, m", "url": "https://reddit.com/r/legaladvice/comments/1qxk39c/my_mom_is_sueing_me_for_defamation/" }, { "title": "My mom is saying the county is going to press charges against me for \u201clying\u201d, is this true and what do I do?", "subreddit": "LegalAdvice", "num_comments": 59, "score": 0.902, "selftext": "Location: Wisconsin\n\nAbout 2 summers ago my mom kicked me out and then reported me as a runaway and when the cops got me I had told them I was scared to go home because she had thrown me to the floor in the past and was scared she\u2019d do something more like hit me. this was the truth and wasn\u2019t an issue then, they just said they couldn\u2019t do anything and took me home. a few weeks ago my mom got really drunk and started shoving me and after I left she tried to end her life and so cops were called an", "url": "https://reddit.com/r/legaladvice/comments/1qdu5wd/my_mom_is_saying_the_county_is_going_to_press/" }, { "title": "(US) Child in danger call", "subreddit": "Scams", "num_comments": 26, "score": 0.898, "selftext": "So this happened a couple years ago. My little brother was in middle school. He has autism and is non verbal. He has a device that he uses to communicate sometimes. My mom was going to pick him up from school and I was home alone. \n\nSome time had passed and I was thinking \u201chmm they should both be here already\u201d. I was getting slightly worried about them not being home yet. \n\nThen I got a call from a random number. I can\u2019t remember if it had my area code or not. I heard someone crying and panickin", "url": "https://reddit.com/r/Scams/comments/1qrvnf3/us_child_in_danger_call/" }, { "title": "Is my case worth pushing? Fraudulent / negligent misrepresentation", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.894, "selftext": "Location: Denver metro, Colorado\n\nTL;DR: I have evidence I was deceived into signing a lease due to my leasing staff lying about infestations. This has severely affected my life and I want to hold the management company accountable. I have evidence that the leasing staff knowingly made false promises, as well as evidence of infestations being present way before my move in (2 weeks ago). I want to be reimbursed for damages, and the general toll this has taken on my life.\n\nMoved into an apartment", "url": "https://reddit.com/r/legaladvice/comments/1r2bkuh/is_my_case_worth_pushing_fraudulent_negligent/" }, { "title": "AZ Help. Process Server detained my 16 year old in the driveway to serve me paperwork, is this legal?", "subreddit": "LegalAdvice", "num_comments": 45, "score": 0.892, "selftext": "Location: Tucson, AZ.\n\nMy 16-year-old daughter was leaving for school, sitting in her car getting her phone plugged in, and a process server arrived and told her to lower her window. She cracked it, and he asked her questions about who she was, if I was home, etc. He demanded to see her ID, and she refused, saying she wanted to leave for school because she was late, and he told her no. He tried to force her to take the papers through her window, but again wouldn't let her leave, secured them on ", "url": "https://reddit.com/r/legaladvice/comments/1qr9ujg/az_help_process_server_detained_my_16_year_old_in/" }, { "title": "Update from yesterday", "subreddit": "povertyfinance", "num_comments": 0, "score": 0.888, "selftext": "\\#(Portland Oregon) \ud83c\uddfa\ud83c\uddf8 I wasn\u2019t able to get any funding so I\u2019m really hoping my landlord will work with me he\u2019s supposed to be here today to serve papers for court and I\u2019m really scared I\u2019m older and a widow but I\u2019m strong and I got this thank you everyone for your advice I truly appreciate all you \ud83d\ude4f\ud83d\ude4f", "url": "https://reddit.com/r/povertyfinance/comments/1r18guv/update_from_yesterday/" }, { "title": "Withholding damage deposit", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.882, "selftext": "Location: Alberta, Canada\n\nMy roommate got fired from his job and is now having to break his lease with the building. He said last week that I would get my damage deposit back after I moved out but just now has said that he's keeping it so he can pay for the lease break. I'm currently on disability leave so I really needed the money to pay for my move and next month's rent at the new building. is he legally allowed to keep it even though I never broke the lease?", "url": "https://reddit.com/r/legaladvice/comments/1r2arx9/withholding_damage_deposit/" }, { "title": "My roommate is trying to sue our property management", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.88, "selftext": "Location: MN, United states \nThis year has been a mental nightmare for me. My roommate and I live in a \u201cluxury\u201d apartment building that is managed by a notoriously money hungry and self-protective property management company. This is our second year living here and after our first year we downsized to a smaller unit. \n\nWithin a week we found roaches in this new unit. We never had them in our old unit. We had maintenance put roach traps around and whatnot but we still had them. From the beginning", "url": "https://reddit.com/r/legaladvice/comments/1r2akhe/my_roommate_is_trying_to_sue_our_property/" }, { "title": "Loud apartment neighbor", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.868, "selftext": "Location: Ohio\n\nWe rent from a big corporate landlord. We transferred units almost 2 years ago, and have been dealing with a terrible upstairs neighbor since the day we moved in. He plays video games in his bedroom directly above our bedroom every night from 11pm-2am (you can practically set a clock by it), often stomping his feet on the floor and yelling at his game in frustration or excitement. These outbursts only last a few seconds but are loud enough to wake us, and then keep us awake as th", "url": "https://reddit.com/r/legaladvice/comments/1r23ep6/loud_apartment_neighbor/" }, { "title": "It\u2019s been two months since move in and we still don\u2019t have a mailing address.", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.866, "selftext": "Location: California, US\n\n A month before move in I raised concerns with the rental company that USPS was saying the address on our lease wasn\u2019t \u201cdeliverable\u201d. They denied this, they said they talked to USPS and the said it was fine and it\u2019s never been a problem.\n\nThen they said they couldn\u2019t get us a key to our mailbox because reasons. Then they said I was right after all but everything was good now but it would take some time to get things sorted with the post office. Then they began to ignore", "url": "https://reddit.com/r/legaladvice/comments/1r1zsuz/its_been_two_months_since_move_in_and_we_still/" }, { "title": "Coparenting: is the parent with child allowed to go out?", "subreddit": "LegalAdvice", "num_comments": 27, "score": 0.852, "selftext": "Location: New York \n\nWe do not have a formal co-parenting schedule, and we do not live together. I currently live with my family, and he lives with his. Since I have been a stay-at-home mother, he has encouraged me not to work in order to avoid childcare costs, stating that he would provide financial support. However, he is now limiting my access to money for personal reasons.\n\nI have asked him to watch our child for a few hours, but he has refused, saying he does not want me to have free time. ", "url": "https://reddit.com/r/legaladvice/comments/1qqc00k/coparenting_is_the_parent_with_child_allowed_to/" }, { "title": "Neighbors are abusing their children. I can hear it all. Anything I can do?", "subreddit": "LegalAdvice", "num_comments": 59, "score": 0.846, "selftext": "Location: AZ\n\nI have no idea if this is the right place to post this so if there's a better place please let me know.\n\nI have new neighbors that live below me. It's 2 women likely in their 30's. 3 or 4 children from about 3 to 7. Then there's a man maybe 30's or 40's that's only there on the weekends. They are a very loud household. Lots of screaming and yelling but never after 9pm so it's not really a noise issue. \n\nUnfortunately they are all so loud I can hear everything. I can hear every word", "url": "https://reddit.com/r/legaladvice/comments/1qwdvj0/neighbors_are_abusing_their_children_i_can_hear/" }, { "title": "Tenants rights advice for learning lease termination -CA", "subreddit": "LegalAdvice", "num_comments": 4, "score": 0.844, "selftext": "Location: California \n\nI am currently renting a studio on a property with multiple studios. \n\nIn the last 6 months, my neighbor has been not been paying rent. She has started to harass me and the other tenants. She has violently banged on my wall, on my door and cussed at me (I have recordings). She has violently attacked one of the other tenants as well as stolen from others. We have notified the police twice, but they are useless.\n\nWe have put the landlord and property manager on notice for mo", "url": "https://reddit.com/r/legaladvice/comments/1r27x4v/tenants_rights_advice_for_learning_lease/" }, { "title": "Sub-lease tenant claimed in court he\u2019s \u201cjust my neighbor,\u201d got restraining order, contacted my lender \u2014 need advice (CA)", "subreddit": "LegalAdvice", "num_comments": 41, "score": 0.832, "selftext": "My location: San Diego California\n\nI\u2019m in California and need advice on a housing dispute that escalated into court.\n\nI am the homeowner and master tenant. I sub-leased a room in my home to someone who has lived here for about 8 years. There is no dispute that he paid rent to me over the years, though often late and with many months missed entirely. He frequently ignored my calls and messages when rent or house issues came up.\n\nKey issues:\n\n\u2022\tChronic late and missed rent payments over the years.", "url": "https://reddit.com/r/legaladvice/comments/1qssb9h/sublease_tenant_claimed_in_court_hes_just_my/" }, { "title": "Can I sue my landlord in small claims?", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.8240000000000001, "selftext": "Location: California\n\nTLDR:\n\n* Broke lease\n* property vacant for 6 months\n* continued paying monthly rent for 6 months\n* landlord did not find new tenant until final week (01/10 listing removed, 01/16 utility service in my name stopped) before lease end (01/24)\n* As of today (02/11), landlord has not provided receipts for deductions from security deposit nor refund statement for overlapping rent with new tenant\n* Do I have a case to sue in small claims for double security deposit back and/or par", "url": "https://reddit.com/r/legaladvice/comments/1r274gm/can_i_sue_my_landlord_in_small_claims/" }, { "title": "City ignored its own code to \"abate\" my Wildlife Refuge. Prosecutor dropped the case, but the City still wants me to pay for the \"service\" that destroyed 15+ year-old specimen plants.", "subreddit": "LegalAdvice", "num_comments": 28, "score": 0.8220000000000001, "selftext": "Location: Missouri \n\nI need advice on a municipal \"abatement\" nightmare.\n\nThe Background:\n\nExemption: My property is a state-law qualified wildlife refuge. NWF, who is affiliated back to the Missouri department of conservation and has been delegated permissions for oversight into private wildlife refuages, such as my multi-acre plot, and whom we are listed.\n\nCrucially, there is a specific heading in our City Code that expressly exempts wildlife refuges from the \"long grass\" provisions; It is one", "url": "https://reddit.com/r/legaladvice/comments/1qzdd4z/city_ignored_its_own_code_to_abate_my_wildlife/" }, { "title": "My mom is threatening to call CPS on me if I try to leave with my kids.", "subreddit": "LegalAdvice", "num_comments": 153, "score": 0.8200000000000001, "selftext": "I 25F live with my husband 27M (who we\u2019ll call Liam), brother 21M (who we\u2019ll call Kai), dad 48M and mom 43F. Liam and I have 3 kids, ages 5 and under.\n\nRecently, we moved. Before that, we were living in a very toxic environment. As a result of this, mine and Liam\u2019s mental health was very bad. I still haven\u2019t got mine completely back on track, but I\u2019m doing better. Liam was able to get his back on track on his own \u2014 however, I had to go to therapy and am still working through things.\n\nAfter movin", "url": "https://reddit.com/r/legaladvice/comments/1qxdvg3/my_mom_is_threatening_to_call_cps_on_me_if_i_try/" }, { "title": "Dog daycare neglect?", "subreddit": "LegalAdvice", "num_comments": 2, "score": 0.8160000000000001, "selftext": "I dropped my dog off at a boarding facility for what was supposed to be 5 days. My dog was in perfect health when I dropped him off. 3 days after my dog was dropped off, they called me and said he needs to be rushed to the vet because he has trouble walking and is lethargic since the night before. I tell them to take him. After 3 hours they are still trying to figure out who will drive him to the vet (5min drive away). They finally take him and his leg is swollen from a severe infection from a s", "url": "https://reddit.com/r/legaladvice/comments/1r20cjd/dog_daycare_neglect/" }, { "title": "Landlord got kicked out of her home, so she illegally locked me out and claimed I was never a tenant", "subreddit": "LegalAdvice", "num_comments": 25, "score": 0.8160000000000001, "selftext": "I\u2019m preparing for my first small claims court hearing in Washington, DC and I\u2019m looking for general advice on what to expect and how to present my case.\n\nI filed a claim for damages after my landlord/sublessor locked me out of the apartment without a court order and claimed I was never a tenant.\n\nLocation: Washington, DC\n\nI have:\n\n\n\n* A signed lease\n* Receipts for prorated rent and a security deposit\n* Photos of the apartment while I was living there\n* Text messages discussing rent\n* Payment rec", "url": "https://reddit.com/r/legaladvice/comments/1r0tjlm/landlord_got_kicked_out_of_her_home_so_she/" }, { "title": "Neighbors contractors are blocking my driveway during their construction. Neighbor has an easement that allows for ingress and egress only. Should we call the Sheriff to take action? Or what\u2019s your legal advice?", "subreddit": "LegalAdvice", "num_comments": 47, "score": 0.812, "selftext": "Location: Oregon, rural area. We have talked to the contractor. He told us he\u2019ll do whatever the f he needs to do. Including parking, off loading from our paved driveway that leads to their gravel drive, blocking our driveway while he does so. We have talked to the neighbor who is acting as her own General contractor. She basically is ignoring our requests and is \u201cso sorry.\u201d One of their subs already ran over our well head and caused $10K in damage. We have an attorney working on suing the neigh", "url": "https://reddit.com/r/legaladvice/comments/1qko9r3/neighbors_contractors_are_blocking_my_driveway/" }, { "title": "security deposit dispute", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.81, "selftext": "I recently moved out of an apartment complex after living there for four years. They are now claiming that I never paid my security deposit, even though I have a receipt showing the security deposit being paid. A new company took over about a month before I moved out, and their files are saying I didn\u2019t pay it. they continue to tell me that I never paid it even after showing them the receipt. any suggestions on what i should do to resolve this?\n\nlocation: utah", "url": "https://reddit.com/r/legaladvice/comments/1r26crf/security_deposit_dispute/" }, { "title": "Mold issue & landlord", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.806, "selftext": "Hey! I\u2019m a 21\\[F\\] who recently moved into my mothers apartment from unrelated matters. My mother 48\\[F\\] has lived in this apartment in the east bay in location: California since I was born in 2004. Recently as of 12/22/2025 my mom has reached out to the landlord regarding a molding issue within our walls. This has caused visible molding on the ceiling, walls, under sinks, our oven is not safe for use because it is visibly growing mold even the cabinets in our kitchen are forming mold with a fo", "url": "https://reddit.com/r/legaladvice/comments/1r1utte/mold_issue_landlord/" }, { "title": "My roommate is moving out, don\u2019t know what I am going to do", "subreddit": "povertyfinance", "num_comments": 38, "score": 0.804, "selftext": "This is kind of a long story. I moved into the place I am a little over two years ago. My roommate\u2019s mom got really sick in December and passed away last month. He\u2019s been flip flopping about where he\u2019s going to live. He finally told me last night he\u2019s moving in with his bosses dad. Supposedly because he is going to put him on the will or something. I even offered to pay more rent and he is insisting on moving and thinking he\u2019s going to save all this money.\n\nThis puts me in a horrible position. T", "url": "https://reddit.com/r/povertyfinance/comments/1qzm5km/my_roommate_is_moving_out_dont_know_what_i_am/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 45, "cross_source_count": 1, "reddit_post_count": 45, "question_signal_count": 45, "has_question_signal": true }, { "cluster_id": 74, "topics": [ { "topic_name": "\u26a0\ufe0f READ FIRST BEFORE POSTING OR COMMENTING \u26a0\ufe0f", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/CreditCards/comments/1fyjae2/read_first_before_posting_or_commenting/", "signal_type": "question" }, { "topic_name": "Do you pay credit card fees charged by merchants to hit SUBs?", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/CreditCards/comments/1r26u1q/do_you_pay_credit_card_fees_charged_by_merchants/", "signal_type": "question" }, { "topic_name": "High mortgage payment, what card to get?", "source": "reddit", "region": "global", "score": 0.978, "url": "https://reddit.com/r/CreditCards/comments/1r296n1/high_mortgage_payment_what_card_to_get/", "signal_type": "question" }, { "topic_name": "Looking for a SUB and potential card to build up future cash back rotation (if not already maxed)", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/CreditCards/comments/1r2e61n/looking_for_a_sub_and_potential_card_to_build_up/", "signal_type": "question" }, { "topic_name": "Need some recommendations on a card used for international travels", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/CreditCards/comments/1r2dt1t/need_some_recommendations_on_a_card_used_for/", "signal_type": "question" }, { "topic_name": "Relatively new to credit cards, best card for car repairs?", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/CreditCards/comments/1r2dh1y/relatively_new_to_credit_cards_best_card_for_car/", "signal_type": "question" }, { "topic_name": "New to Credit Cards. Need Advice!", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/CreditCards/comments/1r279s4/new_to_credit_cards_need_advice/", "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.", "source": "reddit", "region": "global", "score": 0.958, "url": "https://reddit.com/r/CreditCards/comments/1r26mbf/worth_getting_a_credit_card_specifically_for/", "signal_type": "question" }, { "topic_name": "Wells Fargo: Timing credit limit increase with new credit card application to minimize hard pulls?", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/CreditCards/comments/1r1zg9s/wells_fargo_timing_credit_limit_increase_with_new/", "signal_type": "question" }, { "topic_name": "I\u2019m looking for a third card", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/CreditCards/comments/1r2aqne/im_looking_for_a_third_card/", "signal_type": "question" }, { "topic_name": "Looking for a Good Card To Begin Traveling", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/CreditCards/comments/1r26wz6/looking_for_a_good_card_to_begin_traveling/", "signal_type": "question" }, { "topic_name": "Credit card recommendation help", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/CreditCards/comments/1r26gh0/credit_card_recommendation_help/", "signal_type": "question" }, { "topic_name": "The Navy Fed/Amazon set-up is a pretty powerful cash-back set-up.", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/CreditCards/comments/1r18jkz/the_navy_fedamazon_setup_is_a_pretty_powerful/", "signal_type": "question" }, { "topic_name": "Best Credit Cards for someone with a 650 credit?", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/CreditCards/comments/1r22t15/best_credit_cards_for_someone_with_a_650_credit/", "signal_type": "question" }, { "topic_name": "Is the delta credit card worth it?? (Comparing airline cc)", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/CreditCards/comments/1r21z41/is_the_delta_credit_card_worth_it_comparing/", "signal_type": "question" }, { "topic_name": "Somewhat new to credit cards... want to keep it simple ish", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/CreditCards/comments/1r20kz7/somewhat_new_to_credit_cards_want_to_keep_it/", "signal_type": "question" }, { "topic_name": "Choosing First Travel Credit Card", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/CreditCards/comments/1r1ubkp/choosing_first_travel_credit_card/", "signal_type": "question" }, { "topic_name": "Question about getting another credit card", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/CreditCards/comments/1r1ym0l/question_about_getting_another_credit_card/", "signal_type": "question" }, { "topic_name": "Is there anything better thank CSP?", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/CreditCards/comments/1qsoaib/is_there_anything_better_thank_csp/", "signal_type": "question" }, { "topic_name": "Credit card rewards for upcoming $30k purchase", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/personalfinance/comments/1qd4asf/credit_card_rewards_for_upcoming_30k_purchase/", "signal_type": "question" }, { "topic_name": "Anyone have a recommendation for my second credit card to apply for.", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/CreditCards/comments/1r1xtiu/anyone_have_a_recommendation_for_my_second_credit/", "signal_type": "question" }, { "topic_name": "what card should i get as a college student?", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/CreditCards/comments/1r1p3em/what_card_should_i_get_as_a_college_student/", "signal_type": "question" }, { "topic_name": "What should be my only credit card?", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/CreditCards/comments/1r20ok6/what_should_be_my_only_credit_card/", "signal_type": "question" }, { "topic_name": "Card Suggestions for Groceries, Gas, and Subscriptions", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/CreditCards/comments/1r1joa4/card_suggestions_for_groceries_gas_and/", "signal_type": "question" }, { "topic_name": "A Valid Reason Why Earning in So Many Different Points Currencies Is Beneficial", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/CreditCards/comments/1qxp26k/a_valid_reason_why_earning_in_so_many_different/", "signal_type": "question" }, { "topic_name": "Why do airline/hotel branded cards often have uncompetitive points earn rates?", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/CreditCards/comments/1qsrxzz/why_do_airlinehotel_branded_cards_often_have/", "signal_type": "question" }, { "topic_name": "First CC recommendation, 19, college student", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/CreditCards/comments/1r1k1hs/first_cc_recommendation_19_college_student/", "signal_type": "question" }, { "topic_name": "Unsure what card to get to put wedding payments on. Help?", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/CreditCards/comments/1r1ltjx/unsure_what_card_to_get_to_put_wedding_payments/", "signal_type": "question" }, { "topic_name": "For the love of all that\u2019s good.", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/CreditCards/comments/1qnze36/for_the_love_of_all_thats_good/", "signal_type": "question" }, { "topic_name": "Travel Card or a Cash back card as next card?", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/CreditCards/comments/1r1kycb/travel_card_or_a_cash_back_card_as_next_card/", "signal_type": "question" }, { "topic_name": "Business credit card interest rates", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/CreditCards/comments/1r1k3ix/business_credit_card_interest_rates/", "signal_type": "question" }, { "topic_name": "I realize I don't need a travel credit card", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/CreditCards/comments/1qn5dqm/i_realize_i_dont_need_a_travel_credit_card/", "signal_type": "question" }, { "topic_name": "Is applying for the Bank of America Customized Cash Rewards card (the student version!) worth the risk?", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/CreditCards/comments/1r1ios4/is_applying_for_the_bank_of_america_customized/", "signal_type": "question" }, { "topic_name": "Credit Card Recommendations for International Student in USA??", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/CreditCards/comments/1r1ig1m/credit_card_recommendations_for_international/", "signal_type": "question" }, { "topic_name": "Should I utilize signup bonuses to help pay for my trip with multiple cards?", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/CreditCards/comments/1r1m827/should_i_utilize_signup_bonuses_to_help_pay_for/", "signal_type": "question" }, { "topic_name": "Do I actually need a premium travel card? A decision flowchart", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/CreditCards/comments/1qxxgn4/do_i_actually_need_a_premium_travel_card_a/", "signal_type": "question" }, { "topic_name": "20 Years old, No credit history. Want to build credit. What card do I get?", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/CreditCards/comments/1r1grr4/20_years_old_no_credit_history_want_to_build/", "signal_type": "question" }, { "topic_name": "Small MC/Visa or Large store-specific?", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/personalfinance/comments/1r1z5dg/small_mcvisa_or_large_storespecific/", "signal_type": "question" }, { "topic_name": "3 credit cards right at 19", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/CreditCards/comments/1r1l4wk/3_credit_cards_right_at_19/", "signal_type": "question" }, { "topic_name": "Chase Sapphire Preferred Worth It?", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/CreditCards/comments/1r1e4y1/chase_sapphire_preferred_worth_it/", "signal_type": "question" }, { "topic_name": "best credit card signup bonuses 2026 or am i overthinking this", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/CreditCards/comments/1qbnl50/best_credit_card_signup_bonuses_2026_or_am_i/", "signal_type": "question" } ], "reddit_posts": [ { "title": "\u26a0\ufe0f READ FIRST BEFORE POSTING OR COMMENTING \u26a0\ufe0f", "subreddit": "CreditCards", "num_comments": 23, "score": 1.0, "selftext": "Hello and welcome to r/CreditCards[!](https://imgur.com/FbKfcoH)\n\nBefore posting or commenting in the subreddit, please [review our rules here](https://www.reddit.com/r/CreditCards/about/rules) (or below).\n\n___\n\n# Official Rules of r/CreditCards\n\n### Rule 1: Be respectful\n\nAll users are expected to engage in respectful and civil communication, and refrain from harassing or insulting others. Any form of hate speech, including but not limited to racism, sexism, homophobia, transphobia, or any dero", "url": "https://reddit.com/r/CreditCards/comments/1fyjae2/read_first_before_posting_or_commenting/" }, { "title": "Do you pay credit card fees charged by merchants to hit SUBs?", "subreddit": "CreditCards", "num_comments": 6, "score": 0.98, "selftext": "I\u2019m just wondering whether you consider it worth it to pay the fees merchants sometimes charge for using a credit card if it\u2019s going towards a sign up bonus that will obviously get you a better return in the end. We\u2019re about to have some car maintenance for almost 2k and there\u2019s a 2.7% fee to use a card but between the cards we have signed up for/plan to get soon for SUBs we\u2019ll still be getting a 12+% return on the SUB alone which mathematically makes sense but it just still feels a little wrong", "url": "https://reddit.com/r/CreditCards/comments/1r26u1q/do_you_pay_credit_card_fees_charged_by_merchants/" }, { "title": "High mortgage payment, what card to get?", "subreddit": "CreditCards", "num_comments": 2, "score": 0.978, "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", "url": "https://reddit.com/r/CreditCards/comments/1r296n1/high_mortgage_payment_what_card_to_get/" }, { "title": "Looking for a SUB and potential card to build up future cash back rotation (if not already maxed)", "subreddit": "CreditCards", "num_comments": 1, "score": 0.974, "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", "url": "https://reddit.com/r/CreditCards/comments/1r2e61n/looking_for_a_sub_and_potential_card_to_build_up/" }, { "title": "Need some recommendations on a card used for international travels", "subreddit": "CreditCards", "num_comments": 4, "score": 0.97, "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 ", "url": "https://reddit.com/r/CreditCards/comments/1r2dt1t/need_some_recommendations_on_a_card_used_for/" }, { "title": "Relatively new to credit cards, best card for car repairs?", "subreddit": "CreditCards", "num_comments": 0, "score": 0.964, "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.", "url": "https://reddit.com/r/CreditCards/comments/1r2dh1y/relatively_new_to_credit_cards_best_card_for_car/" }, { "title": "New to Credit Cards. Need Advice!", "subreddit": "CreditCards", "num_comments": 2, "score": 0.962, "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", "url": "https://reddit.com/r/CreditCards/comments/1r279s4/new_to_credit_cards_need_advice/" }, { "title": "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.", "subreddit": "CreditCards", "num_comments": 2, "score": 0.958, "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", "url": "https://reddit.com/r/CreditCards/comments/1r26mbf/worth_getting_a_credit_card_specifically_for/" }, { "title": "Wells Fargo: Timing credit limit increase with new credit card application to minimize hard pulls?", "subreddit": "CreditCards", "num_comments": 1, "score": 0.956, "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", "url": "https://reddit.com/r/CreditCards/comments/1r1zg9s/wells_fargo_timing_credit_limit_increase_with_new/" }, { "title": "I\u2019m looking for a third card", "subreddit": "CreditCards", "num_comments": 3, "score": 0.948, "selftext": "Hi, I\u2019m looking for a third credit card to add to my collection. I currently have a discover student card and a navy federal go rewards card with a 730 credit score. I\u2019m looking for a no or low annual fee card (under 100) thats just a good overall card. I\u2019ve seen the chase freedom unlimited but I wanna see other options. Thank you ", "url": "https://reddit.com/r/CreditCards/comments/1r2aqne/im_looking_for_a_third_card/" }, { "title": "Looking for a Good Card To Begin Traveling", "subreddit": "CreditCards", "num_comments": 3, "score": 0.924, "selftext": "Hello,\n\nMy fianc\u00e9 and I are looking to get a credit card together. We want to start traveling more, probably 2\u20133 trips a year and are interested in something that earns airline miles and comes with good travel benefits.\n\nWe plan to use the card for gas, groceries, entertainment, dining, and of course travel. I\u2019ve looked at a few options like the Capital One Venture, Wells Fargo Autograph Journey, and Delta SkyMiles cards, which all seem pretty good.\n\nWould love to hear your opinions or suggestio", "url": "https://reddit.com/r/CreditCards/comments/1r26wz6/looking_for_a_good_card_to_begin_traveling/" }, { "title": "Credit card recommendation help", "subreddit": "CreditCards", "num_comments": 6, "score": 0.92, "selftext": "* Current cards: (list cards, limits, opening date)\n * Citi costco visa card, 4000 limit\n* FICO Score:\u00a0*667*\n* Oldest account age: 8 years, 11 months\n* Chase 5/24 status:\u00a0*n/a*\n* Income:\u00a0*118k+*\n* Average monthly spend and categories:\n * dining 300\n * groceries: 450\n * gas: 120\n * travel: \n * other:\n* Open to Business Cards:\u00a0*no*\n* What's the purpose of your next card?\u00a0*building credit*\n* Do you have any cards you've been looking at?\u00a0*I recently got denied for chase sapphire preferre", "url": "https://reddit.com/r/CreditCards/comments/1r26gh0/credit_card_recommendation_help/" }, { "title": "The Navy Fed/Amazon set-up is a pretty powerful cash-back set-up.", "subreddit": "CreditCards", "num_comments": 62, "score": 0.914, "selftext": "Navy Fed has some interesting cards that can create a pretty powerful set-up.\n\n1. Flagship - $49AF\n\n* 3x Travel (Very wide category)\n* 2x Everything else\n* Yearly Amazon Prime credit\n* TSA pre-check, No FTF\n* Nothing amazing with travel protections but does have secondary CDW.\n\n2. More Rewards - $0AF\n\n* 3x Dining\n* 3x Grocery\n* 3x Gas and Transit\n\n3. Amazon Prime Visa - $0 AF (True zero-dollar fee with the credit from the Flagship.)\n\n* 5x Amazon and Whole Foods\n\nWith this set-up you have a $49 a", "url": "https://reddit.com/r/CreditCards/comments/1r18jkz/the_navy_fedamazon_setup_is_a_pretty_powerful/" }, { "title": "Best Credit Cards for someone with a 650 credit?", "subreddit": "CreditCards", "num_comments": 2, "score": 0.902, "selftext": "Id like to get a credit card and one preferably with 0% Apr intro rate and 0 renewal fees. Does anyone have any suggestions? I'm going on a business trio and will be spending 1k so I thought now would be a good time.", "url": "https://reddit.com/r/CreditCards/comments/1r22t15/best_credit_cards_for_someone_with_a_650_credit/" }, { "title": "Is the delta credit card worth it?? (Comparing airline cc)", "subreddit": "CreditCards", "num_comments": 4, "score": 0.898, "selftext": "Living in SLC there\u2019s not a ton of non stop flight options outside of delta. SW cc has been worth it and basically don\u2019t pay for flights. United\u2019s credit card and points are basically worthless. Despite having over 100k points that still isn\u2019t enough to cover flights. Does anyone have all 3 and can help give perspective please!", "url": "https://reddit.com/r/CreditCards/comments/1r21z41/is_the_delta_credit_card_worth_it_comparing/" }, { "title": "Somewhat new to credit cards... want to keep it simple ish", "subreddit": "CreditCards", "num_comments": 5, "score": 0.888, "selftext": "I have had credit cards in the past for the sake of building credit (my parents just gave me cards(barklay/chase) to use under my name/account), but never really thought much about \"optimizing\" a set up. Now that Im a young adult (F 24 years old, out of school, own a house), Im wanting to make my own decisions about the ideal card set up for me and my fianc\u00e9. He has cards, but for simplicity sake lets pretend we are starting over with our card choices. We both have 780+ credit scores with long l", "url": "https://reddit.com/r/CreditCards/comments/1r20kz7/somewhat_new_to_credit_cards_want_to_keep_it/" }, { "title": "Choosing First Travel Credit Card", "subreddit": "CreditCards", "num_comments": 8, "score": 0.88, "selftext": "I\u2019ve been trying to decide which travel credit card I should get. I\u2019ve been pre-approved for a few (Capital One, Chase,\u2026).\n\nMy Experian credit score is 770.\n\nThe only credit card I currently have is the Discover It card I got 2021 and have a credit limit of $14,700.\n\nI\u2019ve been leaning towards the Capital One Venture X card because the annual fee isn\u2019t too bad and I think I can hit the minimum spend for the bonus miles. I mostly spend on food, gas and Amazon purchases with other miscellaneous pur", "url": "https://reddit.com/r/CreditCards/comments/1r1ubkp/choosing_first_travel_credit_card/" }, { "title": "Question about getting another credit card", "subreddit": "CreditCards", "num_comments": 3, "score": 0.876, "selftext": "I just got a Citi custom cash card maybe 3 weeks ago can I get the Wells Fargo autograph journey or Capital One venture rewards card or is it too soon I\u2019m pre approved for both.", "url": "https://reddit.com/r/CreditCards/comments/1r1ym0l/question_about_getting_another_credit_card/" }, { "title": "Is there anything better thank CSP?", "subreddit": "CreditCards", "num_comments": 87, "score": 0.874, "selftext": "Have had CSP for about 2 years now. $10 DoorDash Credit a month & $50 credit on hotels. 3X on dining for a $95 annual fee. I can\u2019t seem to find another card that can beat this. Also has great transfer partners. Family of 4. About $75k annual income. Most spending is Dining, Groceries and clothes. Only if I could get 3X on groceries on this card! Anything that can beat this with about the same annual fee?", "url": "https://reddit.com/r/CreditCards/comments/1qsoaib/is_there_anything_better_thank_csp/" }, { "title": "Credit card rewards for upcoming $30k purchase", "subreddit": "personalfinance", "num_comments": 87, "score": 0.872, "selftext": "I have a $30k purchase coming up (IVF). I have the cash but they allow for payment with credit card with no processing fee. What credit cards offer sign up bonuses or cash back that I should consider?\n\nI currently have Capital One Quicksilver (1.5% cash back on everything) and Chase Amazon Prime (1% on everything). \n\nI see that Fidelity has one that is 2% back on everything and $150 sign up bonus. Anything better?\n\nI prefer no annual fee and since we are expecting to have a baby and don\u2019t expect", "url": "https://reddit.com/r/personalfinance/comments/1qd4asf/credit_card_rewards_for_upcoming_30k_purchase/" }, { "title": "Anyone have a recommendation for my second credit card to apply for.", "subreddit": "CreditCards", "num_comments": 5, "score": 0.872, "selftext": "I\u2019m currently looking for another credit card to apply for but I want to guarantee I\u2019ll be approved. My vantage score is at 648. I have high utilization on my other card but don\u2019t have the funds right now to pay it all down. Other than that I don\u2019t have much credit history outside of a chime secured credit card that I opened years ago. I won\u2019t be using this second card much but just want to have a few credit lines open. I\u2019m also aiming to get the highest credit limit I can get (\\~$1,000-$3,000).", "url": "https://reddit.com/r/CreditCards/comments/1r1xtiu/anyone_have_a_recommendation_for_my_second_credit/" }, { "title": "what card should i get as a college student?", "subreddit": "CreditCards", "num_comments": 9, "score": 0.87, "selftext": "im a college student and my main purchases include gasoline, restaurants/food, and electronics.\n\n i use apple pay for pretty much everything unless its not an option, so ive been looking at the apple credit card. ive heard that besides that and the apple products benefits, its not anything special. what credit cards would be good options for me? ", "url": "https://reddit.com/r/CreditCards/comments/1r1p3em/what_card_should_i_get_as_a_college_student/" }, { "title": "What should be my only credit card?", "subreddit": "CreditCards", "num_comments": 15, "score": 0.868, "selftext": "Here is how I want my credit card to be:\n\n* Better points ecosystem that would help me to get better flights with points I earn.\n* Generous sign up bonus\n* Car rental protection\n* Visa network to use it in Costco\n* grocery and dining (my biggest expenses)\n* Slightly nice perks for traveling and entertainment\n\nHere is what I don't care about:\n\n* balance transfer (I never needed that)\n* intro APR (that's a trap)\n\nI currently have these cards:\n\n* Capital One Savor One (Used to be my everything cred", "url": "https://reddit.com/r/CreditCards/comments/1r20ok6/what_should_be_my_only_credit_card/" }, { "title": "Card Suggestions for Groceries, Gas, and Subscriptions", "subreddit": "CreditCards", "num_comments": 7, "score": 0.856, "selftext": "CREDIT PROFILE\n\n \n\n\\* Current credit cards you are the primary account holder of:\n\n \\* Chase FU - 20k, 2017\n\n \\* Apple Card - 2k, 2021\n\n\\* FICO scores with source: Experian: 780\n\n\\* Oldest credit card account age: 9 yrs\n\n\\* Cards approved in the past 6 months: 4\n\n\\* Annual income $: 130k\n\n\n\nCATEGORIES\n\n\n\n\\* Ok with category-specific cards?: Yes\n\n\\* Ok with rotating category cards?: No\n\n\\* Estimate average monthly spend in the categories below.\n\n \\* Dining $: 400\n\n \\* Groceries $: 200 - ", "url": "https://reddit.com/r/CreditCards/comments/1r1joa4/card_suggestions_for_groceries_gas_and/" }, { "title": "A Valid Reason Why Earning in So Many Different Points Currencies Is Beneficial", "subreddit": "CreditCards", "num_comments": 40, "score": 0.856, "selftext": "I currently have cards earning:\n\nWells Fargo Go Far Rewards, Citi Thank You Points, Chase UR, Amex MR, & BILT\n\nI currently use whatever card nets me the most points to ensure I am getting the best redemption.\n\nThe reason I don't see a problem with this is that a lot of these have the same transfer partners, and you call pool points from your various programs.\n\nFor example. I just booked a DFW to JNB Business Class Flight on Qantas for 115,000 Asia Miles. It's 32 glorious hours in the A380. I", "url": "https://reddit.com/r/CreditCards/comments/1qxp26k/a_valid_reason_why_earning_in_so_many_different/" }, { "title": "Why do airline/hotel branded cards often have uncompetitive points earn rates?", "subreddit": "CreditCards", "num_comments": 31, "score": 0.854, "selftext": "Most of them I\u2019ve seen seem to only be useful for benefits like free checked bags, but never as a primary spending card in the way that cards like the Sapphire Preferred, AmEx Gold, Venture X, etc. can be. The only exception I can think of is the Atmos Rewards Summit with multipliers like 3x dining and foreign transactions. Why is that? Shouldn\u2019t an airline or hotel branded card have good points earn rates relative to general travel cards, in exchange for locking your earnings to their airline o", "url": "https://reddit.com/r/CreditCards/comments/1qsrxzz/why_do_airlinehotel_branded_cards_often_have/" }, { "title": "First CC recommendation, 19, college student", "subreddit": "CreditCards", "num_comments": 12, "score": 0.85, "selftext": "Hi all, ive been researching first credit cards but have been slightly overwhelmed by all the options I suppose and want information as far as recommendations. I commute from home to school daily. I purchase gas, groceries (with some help), and the occasional restaurant. I have no credit score, and sadly an authorized user is not an option. I have a job where I make around 1,000 a month. \n\nSpending habits:\n\nGas: \\~50 a week\n\nGroceries: \\~100 a week\n\nEating out: \\~ 30 a week\n\nLike I said I do hav", "url": "https://reddit.com/r/CreditCards/comments/1r1k1hs/first_cc_recommendation_19_college_student/" }, { "title": "Unsure what card to get to put wedding payments on. Help?", "subreddit": "CreditCards", "num_comments": 2, "score": 0.842, "selftext": "Current FICO 720\n\nCiti Double Cash back at 15k limit. Wells Fargo Reflect at 15k\n\nSo getting married and I want a CC to out wedding purchases on to help get travel credits for honeymoon(looking at Japan).\n\nI don\u2019t want to get a travel credit card specifically because we don\u2019t travel THAT much. Maybe a flight or three a year with hotel stays.\n\nWe eat out on the weekends and spend $130 a week on groceries. Gas isn\u2019t crazy since I work from home and she does commute, but not far. Don\u2019t put rent on", "url": "https://reddit.com/r/CreditCards/comments/1r1ltjx/unsure_what_card_to_get_to_put_wedding_payments/" }, { "title": "For the love of all that\u2019s good.", "subreddit": "CreditCards", "num_comments": 49, "score": 0.842, "selftext": "Please stop applying for the following if you are and teach others not to do the same. \n\nThese credit cards are not only predatory but will jack up your credit for a long time if you miss payments and they really don\u2019t offer any great benefits. \n\n\n\nCredit One\n\nIndigo (Card of death)\n\nMerrick Bank\n\nAny others you can think of? \n\n\n\n", "url": "https://reddit.com/r/CreditCards/comments/1qnze36/for_the_love_of_all_thats_good/" }, { "title": "Travel Card or a Cash back card as next card?", "subreddit": "CreditCards", "num_comments": 4, "score": 0.84, "selftext": "Looking for some advice on the best next step. I\u2019m planning my travel for this year and have been thinking of applying for a travel card to get the most benefit. I\u2019m also considering whether I should switch my quicksilver to a savor card or keep the quicksilver card and get an additional 2% all around cash back card like the Wells Fargo, fidelity or sofi 2% cards.\n\nSo I guess my question is about how to best round out my credit portfolio?\n\nCREDIT PROFILE\n\n\\* Current credit cards you are the prim", "url": "https://reddit.com/r/CreditCards/comments/1r1kycb/travel_card_or_a_cash_back_card_as_next_card/" }, { "title": "Business credit card interest rates", "subreddit": "CreditCards", "num_comments": 6, "score": 0.836, "selftext": "Have a legacy BOFA business CC that has worse rewards than the current cards but I have a lower legacy interest rate incase I keep a balance (rarely but it\u2019s like a line of credit). The rate is 14.7%. Does anyone know the new rates for business cards right now assuming tier 1 credit? Thx. ", "url": "https://reddit.com/r/CreditCards/comments/1r1k3ix/business_credit_card_interest_rates/" }, { "title": "I realize I don't need a travel credit card", "subreddit": "CreditCards", "num_comments": 44, "score": 0.834, "selftext": "I travel 2 \\~ 3 times a year and spend roughly $20,000. A credit card with 8x points would save me 8 - 10% if the points is redeemed at higher cpp.\n\nbut then I realize that bying booking flights / hotels earlier, I can easily save 50%, or even 66%, easily beat all the benefits any credit card could offer.\n\nand if I book with things like Costco travel, I still get 3% cashback with Costo's credit card or my BoA credit card.", "url": "https://reddit.com/r/CreditCards/comments/1qn5dqm/i_realize_i_dont_need_a_travel_credit_card/" }, { "title": "Is applying for the Bank of America Customized Cash Rewards card (the student version!) worth the risk?", "subreddit": "CreditCards", "num_comments": 13, "score": 0.8280000000000001, "selftext": "Currently a full-time college undergraduate student so I\u2019m applying for the student version.\n\nFico 8 Scores:\n\nExperian: 750 (Very Good)\n\nTransUnion: 750 (Very Good)\n\nEquifax: 750 (Very Good)\n\nVantageScore 3.0 Scores:\n\nExperian: 730 (Very Good)\n\nTransUnion: 730 (Very Good)\n\nEquifax: 730 (Very Good)\n\nStats:\n\nPayment History: 100%\n\nCredit Card Use: 1%\n\nDerogatory Marks: 0 collections; 0 records\n\nCredit Age: 0 years, 8 months\n\nTotal Accounts: 1\n\nHard Inquiries: 1\n\nMy question is, considering that th", "url": "https://reddit.com/r/CreditCards/comments/1r1ios4/is_applying_for_the_bank_of_america_customized/" }, { "title": "Credit Card Recommendations for International Student in USA??", "subreddit": "CreditCards", "num_comments": 6, "score": 0.8240000000000001, "selftext": "I am an international student in the USA who spends almost all their money on dining/groceries and international travel. I want a card that has good cash back on both categories and does not have any foreign transaction fees (and is just accepted by other countries in general). I was looking at the Discover It card because it has the highest cash back (5%) compared to other student cards, but it is for rotating categories which includes gas and I do not drive. I am also jsut unclear what rotatin", "url": "https://reddit.com/r/CreditCards/comments/1r1ig1m/credit_card_recommendations_for_international/" }, { "title": "Should I utilize signup bonuses to help pay for my trip with multiple cards?", "subreddit": "CreditCards", "num_comments": 3, "score": 0.8200000000000001, "selftext": "So, I have a trip coming up in June to Disney world in Orlando and want to use credit cards to save as much money as possible. I currently have the chase trifecta and have 130k UR points at my disposal but don\u2019t want to use any for this trip. That is because the resort I have to stay at is a Marriott and chase points aren\u2019t worth anything with Marriott. The stay is 5 nights and I saw that the no annual fee Marriott bold card had a sign up bonus of 2 free nights after spending $1000 in the first ", "url": "https://reddit.com/r/CreditCards/comments/1r1m827/should_i_utilize_signup_bonuses_to_help_pay_for/" }, { "title": "Do I actually need a premium travel card? A decision flowchart", "subreddit": "CreditCards", "num_comments": 41, "score": 0.8200000000000001, "selftext": "Hi All,\n\nIf you are like me, you see discussions like this on here all the time. \"I want to get a travel card, but I don't know where to start.\" Well, I summed up my thoughts on the subject in a convenient flowchart:\n\n[https://archive.org/details/travel-card-flowchart](https://archive.org/details/travel-card-flowchart)\n\nThis is intended to be useful, but not completely comprehensive. Don't take it too seriously, but I am curious to hear what people think.\n\nCheers!\n\nNote: This chart is only about", "url": "https://reddit.com/r/CreditCards/comments/1qxxgn4/do_i_actually_need_a_premium_travel_card_a/" }, { "title": "20 Years old, No credit history. Want to build credit. What card do I get?", "subreddit": "CreditCards", "num_comments": 6, "score": 0.8160000000000001, "selftext": "Hi. I just turned 20 and have never had a credit score. Want to build credit cause I plan on taking out a car loan around late may. I make \\~52k/year before taxes. I have a debit card with a credit Union through my dad. But they won\u2019t accept me to have a credit card until 6 months stable pay. And I don\u2019t have that yet.\n\nIf any more information is needed lmk. Thanks!", "url": "https://reddit.com/r/CreditCards/comments/1r1grr4/20_years_old_no_credit_history_want_to_build/" }, { "title": "Small MC/Visa or Large store-specific?", "subreddit": "personalfinance", "num_comments": 4, "score": 0.8140000000000001, "selftext": "So I'm in the process of paying down credit card debt, and I'm focusing on my open accounts since I've learned that bringing down open account utilization helps considerably to improve credit score.\n\nI have two accounts that are MC/Visa with roughly a combined $3,900 owed on a combined limit of roughly $4,300 (so over 91% utilization). But I also have a store-specific card that's about $7,200 owed on a $9,200 limit (~78% utilization). Will paying down one vs the other first help my credit score ", "url": "https://reddit.com/r/personalfinance/comments/1r1z5dg/small_mcvisa_or_large_storespecific/" }, { "title": "3 credit cards right at 19", "subreddit": "CreditCards", "num_comments": 11, "score": 0.812, "selftext": "Hey so I recently turned 19 and have been eyeing a credit card for some time almost a year now. In August I got my first personal credit card. Back when I was 16 I got my very first credit via parents letting me be an authorized user. Was wondering if I get my second personal credit would that be bad for me or would it affect my credit score. Currently at about 720 score", "url": "https://reddit.com/r/CreditCards/comments/1r1l4wk/3_credit_cards_right_at_19/" }, { "title": "Chase Sapphire Preferred Worth It?", "subreddit": "CreditCards", "num_comments": 19, "score": 0.806, "selftext": "I currently have five Credit Cards \n\n\\- Discover It (mainly used for featured quarterly category)\n\n\\- Apple Card (use for Apple Pay if other cards can\u2019t beat it, plus 3% at Walgreens, Nike, Apple, etc, and have the HYSA)\n\n\\- Costco Anywhere Visa (Costco purchases, gas, sometimes dining)\n\n\\- Capital One Savor (subscriptions for streaming services, sometimes dining, entertainment, groceries)\n\n\\- Southwest Priority (southwest flights, sometimes dining) \n\nThe main reason why I\u2019d like to get the Sapp", "url": "https://reddit.com/r/CreditCards/comments/1r1e4y1/chase_sapphire_preferred_worth_it/" }, { "title": "best credit card signup bonuses 2026 or am i overthinking this", "subreddit": "CreditCards", "num_comments": 64, "score": 0.802, "selftext": "looking for some real world opinions here. i\u2019ve always been a debit card person and only had one basic credit card for years. i pay it off, don\u2019t do anything fancy, but i keep hearing friends talk about how they rotate cards and get value out of it. meanwhile i feel like i\u2019m missing something or maybe just falling for hype.\n\ni\u2019m planning a couple trips next year and thought maybe this is the time to finally look into it. when i search for best credit card signup bonuses 2026 i get flooded with a", "url": "https://reddit.com/r/CreditCards/comments/1qbnl50/best_credit_card_signup_bonuses_2026_or_am_i/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 41, "cross_source_count": 1, "reddit_post_count": 41, "question_signal_count": 41, "has_question_signal": true }, { "cluster_id": 24, "topics": [ { "topic_name": "Another Kangen hun is using political events to push her master class. You shouldn\u2019t protest, you should join her mlm.", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/antiMLM/comments/1qnyvt4/another_kangen_hun_is_using_political_events_to/", "signal_type": "question" }, { "topic_name": "Local MLM hun publicly being roasted.", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/antiMLM/comments/1qxkmii/local_mlm_hun_publicly_being_roasted/", "signal_type": "question" }, { "topic_name": "Saying the quiet part out loud. People lie, and MLM huns & buns are pathological.", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/antiMLM/comments/1qw29mt/saying_the_quiet_part_out_loud_people_lie_and_mlm/", "signal_type": "question" }, { "topic_name": "I keep seeing this brand pushed in certain \u201ccommunities\u201d anyone else?", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/antiMLM/comments/1r1z6gc/i_keep_seeing_this_brand_pushed_in_certain/", "signal_type": "question" }, { "topic_name": "GUYS!!!", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/antiMLM/comments/1qmyjjg/guys/", "signal_type": "question" }, { "topic_name": "Read the subtitles in a mocking, condescending tone for full effect.", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/antiMLM/comments/1r1hbrk/read_the_subtitles_in_a_mocking_condescending/", "signal_type": "question" }, { "topic_name": "Saw this in a Bored Panda article.", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/antiMLM/comments/1qi64sz/saw_this_in_a_bored_panda_article/", "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", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/antiMLM/comments/1qko287/the_time_a_scentsy_hun_assaulted_me_because_i/", "signal_type": "question" }, { "topic_name": "Young Living huns and horses, how my horse barely made it.", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/antiMLM/comments/1qndmdq/young_living_huns_and_horses_how_my_horse_barely/", "signal_type": "question" }, { "topic_name": "Anyone remember the no glasses hun? How is she doing?", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/antiMLM/comments/1r0924l/anyone_remember_the_no_glasses_hun_how_is_she/", "signal_type": "question" }, { "topic_name": "Blind leading the blind.", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/antiMLM/comments/1qzftfb/blind_leading_the_blind/", "signal_type": "question" }, { "topic_name": "The claim, and the \u2018scriptures\u2019 to \u2018back it up.\u2019", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/antiMLM/comments/1qzn077/the_claim_and_the_scriptures_to_back_it_up/", "signal_type": "question" }, { "topic_name": "I felt that this Optivia hun peeling into a Taco Bell was\u2026 poetic", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/antiMLM/comments/1qoulgx/i_felt_that_this_optivia_hun_peeling_into_a_taco/", "signal_type": "question" }, { "topic_name": "I find the pivot from shilling Monat to red lights hilarious\ud83d\ude02", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/antiMLM/comments/1qyve7m/i_find_the_pivot_from_shilling_monat_to_red/", "signal_type": "question" }, { "topic_name": "The old sales tactic of body shaming a pregnant woman to sell weight loss supplements.", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/antiMLM/comments/1qob0f7/the_old_sales_tactic_of_body_shaming_a_pregnant/", "signal_type": "question" }, { "topic_name": "My response to a Bravenly hun in a breastfeeding support group", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/antiMLM/comments/1qxorf1/my_response_to_a_bravenly_hun_in_a_breastfeeding/", "signal_type": "question" }, { "topic_name": "One of the more vile huns I've come across.", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/antiMLM/comments/1qxx4re/one_of_the_more_vile_huns_ive_come_across/", "signal_type": "question" }, { "topic_name": "Hun claims her Bravenly product will \u201creset\u201d all of your organs, and rid your body of \u201ctoxins, chemicals, and all the nasty stuff.\u201d", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/antiMLM/comments/1qlscho/hun_claims_her_bravenly_product_will_reset_all_of/", "signal_type": "question" }, { "topic_name": "Hannah Alonzo's YL video", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/antiMLM/comments/1qd99rc/hannah_alonzos_yl_video/", "signal_type": "question" }, { "topic_name": "Monet huns making a shift\u2026", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/antiMLM/comments/1qwzh7i/monet_huns_making_a_shift/", "signal_type": "question" }, { "topic_name": "Top tier parenting", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/antiMLM/comments/1qe7ew6/top_tier_parenting/", "signal_type": "question" }, { "topic_name": "Arieyl Dying? Dozens attend their annual meeting, dozens!", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/antiMLM/comments/1qfru2a/arieyl_dying_dozens_attend_their_annual_meeting/", "signal_type": "question" }, { "topic_name": "Smells like a medical claim.", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/antiMLM/comments/1qvx3u9/smells_like_a_medical_claim/", "signal_type": "question" }, { "topic_name": "It Works is no more, and the Bravenly huns are wasting no time in trying to recruit those newly \u2018lost huns.\u2019", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/antiMLM/comments/1qnydnr/it_works_is_no_more_and_the_bravenly_huns_are/", "signal_type": "question" }, { "topic_name": "Monat hun aggravated her rosacea again with Monat skincare, blaming it on the cold weather.", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/antiMLM/comments/1qug3cm/monat_hun_aggravated_her_rosacea_again_with_monat/", "signal_type": "question" }, { "topic_name": "Ariel Hun Wins Trip To Owners mansion as top producer. She already lives there, she is the owners\u2019 daughter.", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/antiMLM/comments/1qu2icu/ariel_hun_wins_trip_to_owners_mansion_as_top/", "signal_type": "question" }, { "topic_name": "\u201cGod has me at Bravenly for his glory not my own.\u201d", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/antiMLM/comments/1qu93fo/god_has_me_at_bravenly_for_his_glory_not_my_own/", "signal_type": "question" }, { "topic_name": "Thrive and Monat uplines have given up on her.", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/antiMLM/comments/1qd4c7n/thrive_and_monat_uplines_have_given_up_on_her/", "signal_type": "question" }, { "topic_name": "Another Scentsy GoFundMe Scandal.. this time for a chicken!", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/antiMLM/comments/1qt3hf0/another_scentsy_gofundme_scandal_this_time_for_a/", "signal_type": "question" }, { "topic_name": "Hun does not respond well to unsolicited (legitimate) questions.", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/antiMLM/comments/1qd53c8/hun_does_not_respond_well_to_unsolicited/", "signal_type": "question" }, { "topic_name": "It's month end, so cue the desperate huns.", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/antiMLM/comments/1qseoxi/its_month_end_so_cue_the_desperate_huns/", "signal_type": "question" }, { "topic_name": "The world is on fire, and according to this hun, the remedy is Bravenly products.", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/antiMLM/comments/1qsfo7g/the_world_is_on_fire_and_according_to_this_hun/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Another Kangen hun is using political events to push her master class. You shouldn\u2019t protest, you should join her mlm.", "subreddit": "antiMLM", "num_comments": 54, "score": 0.928, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qnyvt4/another_kangen_hun_is_using_political_events_to/" }, { "title": "Local MLM hun publicly being roasted.", "subreddit": "antiMLM", "num_comments": 21, "score": 0.92, "selftext": "A girl I went to high school with has been doing Herbalife for years now. She\u2019s created a whole narrative about how much weight she\u2019s lost, how bullied she used to be, multiple sympathetic stories fully fabricated over the years to entice other women to buy from her or join her team. For those of us who knew her, she was always a sketchy person to get involved with.\n\nShe stopped targeting people from our home town who knew her because she had a bad reputation for theft and lying before her Herba", "url": "https://reddit.com/r/antiMLM/comments/1qxkmii/local_mlm_hun_publicly_being_roasted/" }, { "title": "Saying the quiet part out loud. People lie, and MLM huns & buns are pathological.", "subreddit": "antiMLM", "num_comments": 12, "score": 0.886, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qw29mt/saying_the_quiet_part_out_loud_people_lie_and_mlm/" }, { "title": "I keep seeing this brand pushed in certain \u201ccommunities\u201d anyone else?", "subreddit": "antiMLM", "num_comments": 400, "score": 0.998, "selftext": "I\u2019ve seen this brand pushed by a few Huns lately who seem to be on a constant pivot for the newest shill.", "url": "https://reddit.com/r/antiMLM/comments/1r1z6gc/i_keep_seeing_this_brand_pushed_in_certain/" }, { "title": "GUYS!!!", "subreddit": "antiMLM", "num_comments": 254, "score": 0.998, "selftext": "I hate this for everyone of course but especially Hannah! You can tell she is reading this off a script and HATING every second of it. https://youtu.be/jxH-jEsODzE?si=Y3WfSQTOQah7cGmC", "url": "https://reddit.com/r/antiMLM/comments/1qmyjjg/guys/" }, { "title": "Read the subtitles in a mocking, condescending tone for full effect.", "subreddit": "antiMLM", "num_comments": 30, "score": 0.988, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1r1hbrk/read_the_subtitles_in_a_mocking_condescending/" }, { "title": "Saw this in a Bored Panda article.", "subreddit": "antiMLM", "num_comments": 210, "score": 0.988, "selftext": "\n\nHow much do you want to bet this is an MLM hun. The article this screenshot is from was called \"50 Self-Centered People That Deserved To Be Roasted For Their Tone-Deaf Posts\"\n\nBut honestly, main character syndrome is probably a great way to describe most huns\n\n EDIT: \nLINK :\n https://www.boredpanda.com/entitled-main-character-syndrome-posts/?utm_source=reddit1&utm_medium=link&utm_campaign=medal\n\n", "url": "https://reddit.com/r/antiMLM/comments/1qi64sz/saw_this_in_a_bored_panda_article/" }, { "title": "The time a scentsy hun assaulted me because I have a fragrance allergy and I asked her not to use samples in the classroom", "subreddit": "antiMLM", "num_comments": 72, "score": 0.974, "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 ", "url": "https://reddit.com/r/antiMLM/comments/1qko287/the_time_a_scentsy_hun_assaulted_me_because_i/" }, { "title": "Young Living huns and horses, how my horse barely made it.", "subreddit": "antiMLM", "num_comments": 54, "score": 0.97, "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,", "url": "https://reddit.com/r/antiMLM/comments/1qndmdq/young_living_huns_and_horses_how_my_horse_barely/" }, { "title": "Anyone remember the no glasses hun? How is she doing?", "subreddit": "antiMLM", "num_comments": 6, "score": 0.962, "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? ", "url": "https://reddit.com/r/antiMLM/comments/1r0924l/anyone_remember_the_no_glasses_hun_how_is_she/" }, { "title": "Blind leading the blind.", "subreddit": "antiMLM", "num_comments": 35, "score": 0.952, "selftext": "Red is blue's upline. I had recently asked Red, \"why aren't you a millionaire yet?\" after she was bragging about network marketing being the only industry to have self made millionaires. She blocked me, of course. ", "url": "https://reddit.com/r/antiMLM/comments/1qzftfb/blind_leading_the_blind/" }, { "title": "The claim, and the \u2018scriptures\u2019 to \u2018back it up.\u2019", "subreddit": "antiMLM", "num_comments": 38, "score": 0.95, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qzn077/the_claim_and_the_scriptures_to_back_it_up/" }, { "title": "I felt that this Optivia hun peeling into a Taco Bell was\u2026 poetic", "subreddit": "antiMLM", "num_comments": 30, "score": 0.944, "selftext": "Poor thing.", "url": "https://reddit.com/r/antiMLM/comments/1qoulgx/i_felt_that_this_optivia_hun_peeling_into_a_taco/" }, { "title": "I find the pivot from shilling Monat to red lights hilarious\ud83d\ude02", "subreddit": "antiMLM", "num_comments": 33, "score": 0.94, "selftext": "\u201cHealing\u201d your eyesight \ud83d\ude02\ud83d\ude02\ud83d\ude02", "url": "https://reddit.com/r/antiMLM/comments/1qyve7m/i_find_the_pivot_from_shilling_monat_to_red/" }, { "title": "The old sales tactic of body shaming a pregnant woman to sell weight loss supplements.", "subreddit": "antiMLM", "num_comments": 20, "score": 0.9339999999999999, "selftext": "This story takes place years ago. I was pregnant for the first time, and it was a healthy pregnancy. I'm very short, so of course, I had quite the large baby bump. My husband's side of the family tends to have large babies. His great grandpa was a 13 pounder, and my husband was 8 pounds at birth despite being 3 weeks early. \n\nMy cousin-in law's wife had started selling thrive. She was incredibly pushy with us and constantly telling us to share what she put on Facebook. One day, she reached out t", "url": "https://reddit.com/r/antiMLM/comments/1qob0f7/the_old_sales_tactic_of_body_shaming_a_pregnant/" }, { "title": "My response to a Bravenly hun in a breastfeeding support group", "subreddit": "antiMLM", "num_comments": 45, "score": 0.926, "selftext": "My girl was born a couple weeks ago at 27 weeks and I\u2019m exclusively pumping for her, so this hit a sore spot with me. I\u2019ve struggled with milk supply with all three of my babies and in my experience, no supplement or herb has made a difference. ", "url": "https://reddit.com/r/antiMLM/comments/1qxorf1/my_response_to_a_bravenly_hun_in_a_breastfeeding/" }, { "title": "One of the more vile huns I've come across.", "subreddit": "antiMLM", "num_comments": 28, "score": 0.924, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qxx4re/one_of_the_more_vile_huns_ive_come_across/" }, { "title": "Hun claims her Bravenly product will \u201creset\u201d all of your organs, and rid your body of \u201ctoxins, chemicals, and all the nasty stuff.\u201d", "subreddit": "antiMLM", "num_comments": 47, "score": 0.918, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qlscho/hun_claims_her_bravenly_product_will_reset_all_of/" }, { "title": "Hannah Alonzo's YL video", "subreddit": "antiMLM", "num_comments": 16, "score": 0.91, "selftext": "Someone managed to download and reupload Hannah's Young Living video they forced her to take down:\n\nhttps://youtu.be/xCtILam0x8c?si=4kUWxP3Di5eDZcwA\n", "url": "https://reddit.com/r/antiMLM/comments/1qd99rc/hannah_alonzos_yl_video/" }, { "title": "Monet huns making a shift\u2026", "subreddit": "antiMLM", "num_comments": 33, "score": 0.906, "selftext": "What is it with Monet huns and their sudden pivot to pushing red light \u201ctherapy\u201d? ", "url": "https://reddit.com/r/antiMLM/comments/1qwzh7i/monet_huns_making_a_shift/" }, { "title": "Top tier parenting", "subreddit": "antiMLM", "num_comments": 27, "score": 0.906, "selftext": "Imagine prompting a child to ask people to help get them to Hawaii then posting the video \ud83e\udd26\u200d\u2640\ufe0f I know this hun does some questionable things but this takes the cake.", "url": "https://reddit.com/r/antiMLM/comments/1qe7ew6/top_tier_parenting/" }, { "title": "Arieyl Dying? Dozens attend their annual meeting, dozens!", "subreddit": "antiMLM", "num_comments": 19, "score": 0.9, "selftext": "Delulu hun doesn't want you to miss the energy of an empty ballroom in Orlando. \n\nI wonder how long until they close like so many MLMs before them. ", "url": "https://reddit.com/r/antiMLM/comments/1qfru2a/arieyl_dying_dozens_attend_their_annual_meeting/" }, { "title": "Smells like a medical claim.", "subreddit": "antiMLM", "num_comments": 31, "score": 0.882, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qvx3u9/smells_like_a_medical_claim/" }, { "title": "It Works is no more, and the Bravenly huns are wasting no time in trying to recruit those newly \u2018lost huns.\u2019", "subreddit": "antiMLM", "num_comments": 39, "score": 0.874, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qnydnr/it_works_is_no_more_and_the_bravenly_huns_are/" }, { "title": "Monat hun aggravated her rosacea again with Monat skincare, blaming it on the cold weather.", "subreddit": "antiMLM", "num_comments": 48, "score": 0.868, "selftext": "She was on topical metronidazole for a couple months, after finally seeing a doctor, and then when her skin cleared up she made a tiktok using Monat skincare products again. It instantly made her face red, and now a week and a half later, her skin looks terrible again. She won't admit Monat is the cause, which is super frustrating to watch.", "url": "https://reddit.com/r/antiMLM/comments/1qug3cm/monat_hun_aggravated_her_rosacea_again_with_monat/" }, { "title": "Ariel Hun Wins Trip To Owners mansion as top producer. She already lives there, she is the owners\u2019 daughter.", "subreddit": "antiMLM", "num_comments": 49, "score": 0.86, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qu2icu/ariel_hun_wins_trip_to_owners_mansion_as_top/" }, { "title": "\u201cGod has me at Bravenly for his glory not my own.\u201d", "subreddit": "antiMLM", "num_comments": 18, "score": 0.858, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qu93fo/god_has_me_at_bravenly_for_his_glory_not_my_own/" }, { "title": "Thrive and Monat uplines have given up on her.", "subreddit": "antiMLM", "num_comments": 16, "score": 0.842, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qd4c7n/thrive_and_monat_uplines_have_given_up_on_her/" }, { "title": "Another Scentsy GoFundMe Scandal.. this time for a chicken!", "subreddit": "antiMLM", "num_comments": 8, "score": 0.838, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qt3hf0/another_scentsy_gofundme_scandal_this_time_for_a/" }, { "title": "Hun does not respond well to unsolicited (legitimate) questions.", "subreddit": "antiMLM", "num_comments": 42, "score": 0.834, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qd53c8/hun_does_not_respond_well_to_unsolicited/" }, { "title": "It's month end, so cue the desperate huns.", "subreddit": "antiMLM", "num_comments": 50, "score": 0.83, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qseoxi/its_month_end_so_cue_the_desperate_huns/" }, { "title": "The world is on fire, and according to this hun, the remedy is Bravenly products.", "subreddit": "antiMLM", "num_comments": 40, "score": 0.8260000000000001, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qsfo7g/the_world_is_on_fire_and_according_to_this_hun/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 32, "cross_source_count": 1, "reddit_post_count": 32, "question_signal_count": 32, "has_question_signal": true }, { "cluster_id": 23, "topics": [ { "topic_name": "Did you know\u2026. that if you say yes to MLM, you can lose up to 99.99999% of what little joy you have left in this world?", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/antiMLM/comments/1r0dy5v/did_you_know_that_if_you_say_yes_to_mlm_you_can/", "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.", "source": "reddit", "region": "global", "score": 0.968, "url": "https://reddit.com/r/antiMLM/comments/1r0i8ni/just_when_you_think_they_got_out_theyre_pulled/", "signal_type": "question" }, { "topic_name": "MLM straight from the mailbox to the bin!", "source": "reddit", "region": "global", "score": 0.958, "url": "https://reddit.com/r/antiMLM/comments/1qzyhcu/mlm_straight_from_the_mailbox_to_the_bin/", "signal_type": "question" }, { "topic_name": "Insufferable MLM facebook friend", "source": "reddit", "region": "global", "score": 0.958, "url": "https://reddit.com/r/antiMLM/comments/1qj7daa/insufferable_mlm_facebook_friend/", "signal_type": "question" }, { "topic_name": "Are there Non Profit Organization that are considered an MLM?", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/antiMLM/comments/1r02wx9/are_there_non_profit_organization_that_are/", "signal_type": "question" }, { "topic_name": "EU marketplace directive is going to kill MLMs", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/antiMLM/comments/1qymxzz/eu_marketplace_directive_is_going_to_kill_mlms/", "signal_type": "question" }, { "topic_name": "Why do people people on MLM's call themselves \"Business Owners\"", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/antiMLM/comments/1qxmivd/why_do_people_people_on_mlms_call_themselves/", "signal_type": "question" }, { "topic_name": "Boss Suite MLM", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/antiMLM/comments/1qxtt4x/boss_suite_mlm/", "signal_type": "question" }, { "topic_name": "Your reminder that when you fail at MLM, it's your fault, or the devils, but mostly your fault.", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/antiMLM/comments/1qwmzzc/your_reminder_that_when_you_fail_at_mlm_its_your/", "signal_type": "question" }, { "topic_name": "A person I went to high school with tried to get me to join their MLM because \u201cevery business is a pyramid scheme\u201d.", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/antiMLM/comments/1qwbdaj/a_person_i_went_to_high_school_with_tried_to_get/", "signal_type": "question" }, { "topic_name": "Does working at an MLM hurt future job opportunities in sales?", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/antiMLM/comments/1qxl4fl/does_working_at_an_mlm_hurt_future_job/", "signal_type": "question" }, { "topic_name": "MLM\u2018s and coffee or apples and pears", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/antiMLM/comments/1qvwvuv/mlms_and_coffee_or_apples_and_pears/", "signal_type": "question" }, { "topic_name": "The opening salvo of an MLM recruiting session", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/antiMLM/comments/1qmuc2d/the_opening_salvo_of_an_mlm_recruiting_session/", "signal_type": "question" }, { "topic_name": "Your reminder that if you're not successful in MLM it's your fault because you\u2019re lazy.", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/antiMLM/comments/1qnl9ch/your_reminder_that_if_youre_not_successful_in_mlm/", "signal_type": "question" }, { "topic_name": "When a hotel/B&B include MLM products as an amenity", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/antiMLM/comments/1qn6ogk/when_a_hotelbb_include_mlm_products_as_an_amenity/", "signal_type": "question" }, { "topic_name": "Travel MLM?", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/antiMLM/comments/1quoco2/travel_mlm/", "signal_type": "question" }, { "topic_name": "MLM Storytime", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/antiMLM/comments/1quitrj/mlm_storytime/", "signal_type": "question" }, { "topic_name": "Extremely popular YouTuber makes anti-MLM video", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/antiMLM/comments/1qfp2ci/extremely_popular_youtuber_makes_antimlm_video/", "signal_type": "question" }, { "topic_name": "Boyfriend has applied to this job listing. Is this a MLM? Coming from someone who left a devil corp 6 months ago", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/antiMLM/comments/1qtn1vq/boyfriend_has_applied_to_this_job_listing_is_this/", "signal_type": "question" }, { "topic_name": "Another Multipure (MLM) \u201cmama\u201d trying to sell garbage to people", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/antiMLM/comments/1qu18il/another_multipure_mlm_mama_trying_to_sell_garbage/", "signal_type": "question" }, { "topic_name": "MLM scammers", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/antiMLM/comments/1qrse3o/mlm_scammers/", "signal_type": "question" }, { "topic_name": "This makes me so sad - that poor girl", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/antiMLM/comments/1qzzm2m/this_makes_me_so_sad_that_poor_girl/", "signal_type": "question" }, { "topic_name": "Birthday Battles?", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/antiMLM/comments/1qxm6n5/birthday_battles/", "signal_type": "question" }, { "topic_name": "Ignore your family", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/antiMLM/comments/1qwtq95/ignore_your_family/", "signal_type": "question" }, { "topic_name": "Life Wave", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/antiMLM/comments/1qvctis/life_wave/", "signal_type": "question" }, { "topic_name": "A spice affair?", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/antiMLM/comments/1qt931v/a_spice_affair/", "signal_type": "question" }, { "topic_name": "The Culting of America", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/antiMLM/comments/1qqwpro/the_culting_of_america/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Did you know\u2026. that if you say yes to MLM, you can lose up to 99.99999% of what little joy you have left in this world?", "subreddit": "antiMLM", "num_comments": 31, "score": 0.972, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1r0dy5v/did_you_know_that_if_you_say_yes_to_mlm_you_can/" }, { "title": "Just when you think they got out, they're pulled back in. Buddy, remember why you left MLM in the first place.", "subreddit": "antiMLM", "num_comments": 17, "score": 0.968, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1r0i8ni/just_when_you_think_they_got_out_theyre_pulled/" }, { "title": "MLM straight from the mailbox to the bin!", "subreddit": "antiMLM", "num_comments": 2, "score": 0.958, "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", "url": "https://reddit.com/r/antiMLM/comments/1qzyhcu/mlm_straight_from_the_mailbox_to_the_bin/" }, { "title": "Insufferable MLM facebook friend", "subreddit": "antiMLM", "num_comments": 76, "score": 0.958, "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!", "url": "https://reddit.com/r/antiMLM/comments/1qj7daa/insufferable_mlm_facebook_friend/" }, { "title": "Are there Non Profit Organization that are considered an MLM?", "subreddit": "antiMLM", "num_comments": 16, "score": 0.942, "selftext": "I truly believe TPUSA (Turning Point USA) is ", "url": "https://reddit.com/r/antiMLM/comments/1r02wx9/are_there_non_profit_organization_that_are/" }, { "title": "EU marketplace directive is going to kill MLMs", "subreddit": "antiMLM", "num_comments": 13, "score": 0.938, "selftext": "Good news for EU. The anti gig work directive is going to create a presumption of employment unless shown otherwise.Aimed at hitting all the fake self employment gig work like Uber. But it means MLM are going to have to prove that their \"consultants\" are genuinely in business on their own account or pay employee wages and taxes.", "url": "https://reddit.com/r/antiMLM/comments/1qymxzz/eu_marketplace_directive_is_going_to_kill_mlms/" }, { "title": "Why do people people on MLM's call themselves \"Business Owners\"", "subreddit": "antiMLM", "num_comments": 68, "score": 0.916, "selftext": "when the only thing they own are those cases of protein water stacked ceiling high in their garage. How can you \"own\" a business when you literally have no control over any aspect of the business?", "url": "https://reddit.com/r/antiMLM/comments/1qxmivd/why_do_people_people_on_mlms_call_themselves/" }, { "title": "Boss Suite MLM", "subreddit": "antiMLM", "num_comments": 2, "score": 0.91, "selftext": "Has anyone heard about this? I\u2019m seeing posts on social media about this. Claims are every 3-4 days they\u2019re making over $1200. I don\u2019t believe it. And does anyone else think it\u2019s tacky to keep bragging about how much you make? Even though it\u2019s probably not true! I can\u2019t even with these people. ", "url": "https://reddit.com/r/antiMLM/comments/1qxtt4x/boss_suite_mlm/" }, { "title": "Your reminder that when you fail at MLM, it's your fault, or the devils, but mostly your fault.", "subreddit": "antiMLM", "num_comments": 66, "score": 0.904, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qwmzzc/your_reminder_that_when_you_fail_at_mlm_its_your/" }, { "title": "A person I went to high school with tried to get me to join their MLM because \u201cevery business is a pyramid scheme\u201d.", "subreddit": "antiMLM", "num_comments": 125, "score": 0.898, "selftext": "TL;DR A person that I went to high school with attempted to recruit me into their MLM. After doing minimal research their website looks shady and so does all of their socials. Combine this with the vague statements and aggressive attitude and I smell something fishy. Looks like I\u2019ll have to miss out on the \u201cfree drip\u201d. I declined on three separate occasions. ", "url": "https://reddit.com/r/antiMLM/comments/1qwbdaj/a_person_i_went_to_high_school_with_tried_to_get/" }, { "title": "Does working at an MLM hurt future job opportunities in sales?", "subreddit": "antiMLM", "num_comments": 19, "score": 0.896, "selftext": "Someone close to me fell for an MLM trap and her experience there aligns with the sus parts like selling at&t and costco and bjs. She is very smart and capable went to a good school, but has been getting rejected and I have a feeling that mentioning at&t on her resume might be why.\n\n \nEDIT: Apologies for the confusion, I had to rush when I posted this \n\nClarification - \n\nShe didn\u2019t work for AT&T directly. She worked for a third party sales company under Smart Circle that sells AT&am", "url": "https://reddit.com/r/antiMLM/comments/1qxl4fl/does_working_at_an_mlm_hurt_future_job/" }, { "title": "MLM\u2018s and coffee or apples and pears", "subreddit": "antiMLM", "num_comments": 56, "score": 0.888, "selftext": "This comparison is so silly!!!! I can drink as much coffee as I want for the rest of my life but you can only recruit so many and when you make it to 30 levels, you would exceed the worlds population", "url": "https://reddit.com/r/antiMLM/comments/1qvwvuv/mlms_and_coffee_or_apples_and_pears/" }, { "title": "The opening salvo of an MLM recruiting session", "subreddit": "antiMLM", "num_comments": 7, "score": 0.882, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qmuc2d/the_opening_salvo_of_an_mlm_recruiting_session/" }, { "title": "Your reminder that if you're not successful in MLM it's your fault because you\u2019re lazy.", "subreddit": "antiMLM", "num_comments": 38, "score": 0.872, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qnl9ch/your_reminder_that_if_youre_not_successful_in_mlm/" }, { "title": "When a hotel/B&B include MLM products as an amenity", "subreddit": "antiMLM", "num_comments": 14, "score": 0.868, "selftext": "I was looking to book a weekend getaway for myself in late spring. Found super-nice room accommodations for a reasonable price. I looked at the room\u2019s amenities and saw this. Needlessly to say, I will not book this or any room here if they offer MLM products.", "url": "https://reddit.com/r/antiMLM/comments/1qn6ogk/when_a_hotelbb_include_mlm_products_as_an_amenity/" }, { "title": "Travel MLM?", "subreddit": "antiMLM", "num_comments": 22, "score": 0.864, "selftext": "I\u2019m curious if this is a MLM or not. An acquaintance recently retired from the Army and started a \u201cbusiness\u201d called On Another Adventure Travel. \n\nI tried Googling and didn\u2019t find anything to confirm or deny that it\u2019s a MLM but the post about remote income by booking travel, and the last sentence stating a travel advisor costs you nothing. I also didn\u2019t find a main website for her business just her on Facebook.\n\nIt seems suspect.", "url": "https://reddit.com/r/antiMLM/comments/1quoco2/travel_mlm/" }, { "title": "MLM Storytime", "subreddit": "antiMLM", "num_comments": 6, "score": 0.862, "selftext": "\nI am no longer looking for work, but MLMs are still sniffing around my LinkedIn. Today I was messaged by someone who went to my college. I thought, that's cool I would love to connect. So I opened the message, and it read \"Hey, good to be able to connect with you. I\u2019m reaching out to you because I recently gained access to a private mentorship program that teaches young professionals how to develop passive income outside of their full time commitments. I figured it wouldn\u2019t hurt to ask if you\u2019d", "url": "https://reddit.com/r/antiMLM/comments/1quitrj/mlm_storytime/" }, { "title": "Extremely popular YouTuber makes anti-MLM video", "subreddit": "antiMLM", "num_comments": 9, "score": 0.854, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qfp2ci/extremely_popular_youtuber_makes_antimlm_video/" }, { "title": "Boyfriend has applied to this job listing. Is this a MLM? Coming from someone who left a devil corp 6 months ago", "subreddit": "antiMLM", "num_comments": 37, "score": 0.848, "selftext": "So he applied to this company on Thursday and he got a call back Friday to have a over the phone interview and Tonight got a call back today to confirm the interview, and while having dinner around 8pm got a text for expectations on what to wear to the interview. I'm just posting because 6 months ago I left a devil corp and want to make sure he's not going into something similar. Has anyone worked for them or know anymore information on this company and if they're a MLM?", "url": "https://reddit.com/r/antiMLM/comments/1qtn1vq/boyfriend_has_applied_to_this_job_listing_is_this/" }, { "title": "Another Multipure (MLM) \u201cmama\u201d trying to sell garbage to people", "subreddit": "antiMLM", "num_comments": 4, "score": 0.844, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qu18il/another_multipure_mlm_mama_trying_to_sell_garbage/" }, { "title": "MLM scammers", "subreddit": "antiMLM", "num_comments": 11, "score": 0.8160000000000001, "selftext": "An acquaintance of mine has gotten sucked into her 5th or 6th MLM. This time it\u2019s the MWR travel and something called Boss Suite. She just posted a screenshot showing a cash out of $1543. Now I know there\u2019s a catch and no way is she consistently making that kind of money even though she constantly posts that she is. Each post says something like \u201ccomment moneybags (or some other phrase) and I\u2019ll send you info.\u201d And without fail one person will do that. I\u2019m sure they are then hounded to pay mon", "url": "https://reddit.com/r/antiMLM/comments/1qrse3o/mlm_scammers/" }, { "title": "This makes me so sad - that poor girl", "subreddit": "antiMLM", "num_comments": 24, "score": 0.966, "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-", "url": "https://reddit.com/r/antiMLM/comments/1qzzm2m/this_makes_me_so_sad_that_poor_girl/" }, { "title": "Birthday Battles?", "subreddit": "antiMLM", "num_comments": 3, "score": 0.908, "selftext": "Hi fam. I\u2019m at a cafe and I hear a woman talking about hosting \u2018battles\u2019? Specifically she mentioned birthday battles. I\u2019ll try to give an example what she\u2019s saying.\n\n\u2018They send you samples that you have to pay for, sometimes they reimburse you. If you have like, 2 battles a week you\u2019ll get like $20 from that. We have a team, mine is mostly moms.\n\nMy husband keeps telling me to just go work at the school, he keeps yelling at me, he says it\u2019s not worth it.\u2019\n\nIt sounds like something you do online", "url": "https://reddit.com/r/antiMLM/comments/1qxm6n5/birthday_battles/" }, { "title": "Ignore your family", "subreddit": "antiMLM", "num_comments": 11, "score": 0.9, "selftext": "The words of wisdom of the Ringana hun today is to ignore critique and just join the MLM even if you or your family is in doubt. It will bring you freedom and success and your family will have to get used to it. \n\nbesides\u2026she has two of the rare spots available this month too (she has still 1 person in her downline LOL).", "url": "https://reddit.com/r/antiMLM/comments/1qwtq95/ignore_your_family/" }, { "title": "Life Wave", "subreddit": "antiMLM", "num_comments": 16, "score": 0.874, "selftext": "Just came across this one as I have an acquintance who is chronically addicted to MLM's. What a dumpster fire of pseudo science garbage. \n\nThis is what you get for not paying attention in biology or any basic science class in middle school. You fall for bs garbage like the Alavida patch that \"lengthens telomeres in the DNA\" and \"activates epithalon peptides.\" WTF this one is so stupid it hurts my brain", "url": "https://reddit.com/r/antiMLM/comments/1qvctis/life_wave/" }, { "title": "A spice affair?", "subreddit": "antiMLM", "num_comments": 11, "score": 0.832, "selftext": "Has anyone ever heard of a company called \"A spice affair\"? This woman I dealt with recently told me she goes to markets and peddles this product. I looked at their website and I am getting MLM vibes. ", "url": "https://reddit.com/r/antiMLM/comments/1qt931v/a_spice_affair/" }, { "title": "The Culting of America", "subreddit": "antiMLM", "num_comments": 2, "score": 0.806, "selftext": "Is anyone else reading \u201cThe Culting of America\u201d by Daniella Mestyanek Young? So far she hasn\u2019t mentioned MLMs but I can\u2019t help but see them in every aspect of the cults that she\u2019s mentioned so far. I know we already identified that MLMs are retail cults a long time ago, but I thought this group might like this book. ", "url": "https://reddit.com/r/antiMLM/comments/1qqwpro/the_culting_of_america/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 27, "cross_source_count": 1, "reddit_post_count": 27, "question_signal_count": 27, "has_question_signal": true }, { "cluster_id": 21, "topics": [ { "topic_name": "Hard to justify buying new jackets when thrifted BIFL pieces like these exist", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/BuyItForLife/comments/1qn28t1/hard_to_justify_buying_new_jackets_when_thrifted/", "signal_type": "question" }, { "topic_name": "Comfy bras on a budget that will hold well for everyday use?", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/Frugal/comments/1r17wvo/comfy_bras_on_a_budget_that_will_hold_well_for/", "signal_type": "question" }, { "topic_name": "aran crafts & aran woollen mills both sell sweaters through amazon. how does the quality compare to alternative brands?", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/BuyItForLife/comments/1r236sm/aran_crafts_aran_woollen_mills_both_sell_sweaters/", "signal_type": "question" }, { "topic_name": "American Giant is garbage", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/BuyItForLife/comments/1qc2e06/american_giant_is_garbage/", "signal_type": "question" }, { "topic_name": "Redland Cotton Sheets - My Experience", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/BuyItForLife/comments/1r1dj45/redland_cotton_sheets_my_experience/", "signal_type": "question" }, { "topic_name": "Carhartt lowering standards?", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/BuyItForLife/comments/1qbqjnn/carhartt_lowering_standards/", "signal_type": "question" }, { "topic_name": "Seeking BIFL Winter Workwear Coat", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/BuyItForLife/comments/1r15r8p/seeking_bifl_winter_workwear_coat/", "signal_type": "question" }, { "topic_name": "Trying to get some faded on BIFL boxers", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/BuyItForLife/comments/1r22bri/trying_to_get_some_faded_on_bifl_boxers/", "signal_type": "question" }, { "topic_name": "The Best Kids' Clothes Right Now?", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/BuyItForLife/comments/1r1xqkh/the_best_kids_clothes_right_now/", "signal_type": "question" }, { "topic_name": "Recommendations for long durable winter jacket", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/BuyItForLife/comments/1qvpkri/recommendations_for_long_durable_winter_jacket/", "signal_type": "question" }, { "topic_name": "Briggs & Riley \"warranty\": Broken zipper costs $255 to fix", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/BuyItForLife/comments/1qgtqwo/briggs_riley_warranty_broken_zipper_costs_255_to/", "signal_type": "question" }, { "topic_name": "Duluth is certainly not BIFL", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/BuyItForLife/comments/1que6qu/duluth_is_certainly_not_bifl/", "signal_type": "question" }, { "topic_name": "What your best lightweight garden hose brand that doesnt tangle?", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/BuyItForLife/comments/1r0zdpq/what_your_best_lightweight_garden_hose_brand_that/", "signal_type": "question" }, { "topic_name": "Cozy winter layering piece, hooded Aran or something similar?", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/BuyItForLife/comments/1r0uwx1/cozy_winter_layering_piece_hooded_aran_or/", "signal_type": "question" }, { "topic_name": "Comfy bras on a budget?", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/BuyItForLife/comments/1r17sq2/comfy_bras_on_a_budget/", "signal_type": "question" }, { "topic_name": "Best linen pants and shirts for TALL women for 120+ degree weather?", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/BuyItForLife/comments/1r0cldv/best_linen_pants_and_shirts_for_tall_women_for/", "signal_type": "question" }, { "topic_name": "Looking for wool base layer shirts", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/BuyItForLife/comments/1r08xto/looking_for_wool_base_layer_shirts/", "signal_type": "question" }, { "topic_name": "Go to Michael's for shirts and sweaters.", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/Frugal/comments/1qk1ikt/go_to_michaels_for_shirts_and_sweaters/", "signal_type": "question" }, { "topic_name": "What is a cheap alternative to rockwool?", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/Frugal/comments/1qwrqx0/what_is_a_cheap_alternative_to_rockwool/", "signal_type": "question" }, { "topic_name": "THICK sweatshirts/T-shirts?", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/BuyItForLife/comments/1qzqiv4/thick_sweatshirtstshirts/", "signal_type": "question" }, { "topic_name": "Quality Plain White T-Shirts", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/BuyItForLife/comments/1qze521/quality_plain_white_tshirts/", "signal_type": "question" }, { "topic_name": "Is dense needle felted wool considered heirloom quality if properly maintained?", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1r0fu8s/is_dense_needle_felted_wool_considered_heirloom/", "signal_type": "question" }, { "topic_name": "Upgrade from basic sweaters \u2013 is an Aran worth the spend?", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1qz5a2h/upgrade_from_basic_sweaters_is_an_aran_worth_the/", "signal_type": "question" }, { "topic_name": "durable and comfortable winter poncho", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1qzkep6/durable_and_comfortable_winter_poncho/", "signal_type": "question" }, { "topic_name": "My $268 \u201cnew\u201d pair of jeans compared to my 40 year old $10 pair from the thrift store lol", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1qf53v0/my_268_new_pair_of_jeans_compared_to_my_40_year/", "signal_type": "question" }, { "topic_name": "Heavy pilling on Darn Tough after 5-7 wears", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/BuyItForLife/comments/1qyi5e8/heavy_pilling_on_darn_tough_after_57_wears/", "signal_type": "question" }, { "topic_name": "What's the most durable natural fiber tee?", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/BuyItForLife/comments/1qe9utn/whats_the_most_durable_natural_fiber_tee/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Hard to justify buying new jackets when thrifted BIFL pieces like these exist", "subreddit": "BuyItForLife", "num_comments": 66, "score": 0.984, "selftext": "Picked up the authentic Cowichan a few years ago for $50 at the thrift store (they sell for $400+)\n\nThe matching mittens were found at a pawn shop outside of Duncan BC for $25. The toque however was bought new from a cowichan trading outlet for $50.\n\nThe green wool jacket I found at the thrift store yesterday for $25CAD. Could use a bit of a cleaning but the condition of lining has me suspecting it wasn\u2019t worn much. I would imagine I\u2019d be looking at $300+ for something modern of like kind and qu", "url": "https://reddit.com/r/BuyItForLife/comments/1qn28t1/hard_to_justify_buying_new_jackets_when_thrifted/" }, { "title": "Comfy bras on a budget that will hold well for everyday use?", "subreddit": "Frugal", "num_comments": 52, "score": 0.976, "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", "url": "https://reddit.com/r/Frugal/comments/1r17wvo/comfy_bras_on_a_budget_that_will_hold_well_for/" }, { "title": "aran crafts & aran woollen mills both sell sweaters through amazon. how does the quality compare to alternative brands?", "subreddit": "BuyItForLife", "num_comments": 5, "score": 0.966, "selftext": "aran crafts & 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?", "url": "https://reddit.com/r/BuyItForLife/comments/1r236sm/aran_crafts_aran_woollen_mills_both_sell_sweaters/" }, { "title": "American Giant is garbage", "subreddit": "BuyItForLife", "num_comments": 193, "score": 0.966, "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 ", "url": "https://reddit.com/r/BuyItForLife/comments/1qc2e06/american_giant_is_garbage/" }, { "title": "Redland Cotton Sheets - My Experience", "subreddit": "BuyItForLife", "num_comments": 23, "score": 0.95, "selftext": "Redland is often brought up on this sub (10+ posts in the last year when requesting insights on high-quality sheets). I wanted to share a recent review and see if I'm not alone in my subpar experience. \n\n**The product:** King size, basic sheet set, Natural Color\n\n**The care cycle:** 1 of 2 sheet sets, used for 2 weeks, washed, on vacation for 2 weeks. Repeat Wash in a front loader, cold water, hung dry outside when possible (not in winter)\n\n**Initial thoughts:** These are THE BEST SHEETS. We tol", "url": "https://reddit.com/r/BuyItForLife/comments/1r1dj45/redland_cotton_sheets_my_experience/" }, { "title": "Carhartt lowering standards?", "subreddit": "BuyItForLife", "num_comments": 224, "score": 0.948, "selftext": "Got this hoodie a year ago and it\u2019s showing signs of accelerated wear. I\u2019ve always been gentle with it. Any idea if Carhartt is cheapening out?", "url": "https://reddit.com/r/BuyItForLife/comments/1qbqjnn/carhartt_lowering_standards/" }, { "title": "Seeking BIFL Winter Workwear Coat", "subreddit": "BuyItForLife", "num_comments": 9, "score": 0.942, "selftext": "Hello all! I am a 6'4\" guy looking for a BIFL Workwear Jacket. I am looking for something that is available in Big and Tall sizes. I want something durable that is capable of handling outdoor activities. I am an avid fisherman and often fish at night during very cold nights. I live in Virginia and with this recent ice storm we had, my current jacket did not do too well. So looking for suggestions for a BIFL workwear winter jacket/coat that would be suitable for my needs! Budget isn't a concern f", "url": "https://reddit.com/r/BuyItForLife/comments/1r15r8p/seeking_bifl_winter_workwear_coat/" }, { "title": "Trying to get some faded on BIFL boxers", "subreddit": "BuyItForLife", "num_comments": 3, "score": 0.9359999999999999, "selftext": "are there any BIFL boxers? trying to see if I can get some fades on some boxers. wear every day. 1 year 5 washes. any suggestions?", "url": "https://reddit.com/r/BuyItForLife/comments/1r22bri/trying_to_get_some_faded_on_bifl_boxers/" }, { "title": "The Best Kids' Clothes Right Now?", "subreddit": "BuyItForLife", "num_comments": 25, "score": 0.9319999999999999, "selftext": "Have any of you found clothes that really make a difference? I\u2019m looking for outfits that are soft, long-lasting, easy to wash, and give great value without being ridiculously expensive.\n\nI\u2019ve seen brands like:\n\n* Carter\u2019s\n \n* Hanna Andersson\n \n* Gap Kids\n \n* Old Navy\n \n* Zara Kids\n \n* SHEIN\n \n\nWhat are your go-to picks for kids\u2019 clothes that actually hold up and your little ones love wearing?", "url": "https://reddit.com/r/BuyItForLife/comments/1r1xqkh/the_best_kids_clothes_right_now/" }, { "title": "Recommendations for long durable winter jacket", "subreddit": "BuyItForLife", "num_comments": 498, "score": 0.924, "selftext": "Hi all,\nI\u2019m looking for a very durable winter jacket/coat that I can just throw on and that protects both my upper and lower body from harsh winter weather (wind, rain, cold, mud).\nIdeally it would be long (so I dont need to put on skipants) and feel solid. This is for everyday use in winter, not fashion first, and durability matters more than weight.\nSo far I\u2019ve looked a bit at dry-robes, but they don\u2019t seem very durable or abrasion-resistant. Any ideas?", "url": "https://reddit.com/r/BuyItForLife/comments/1qvpkri/recommendations_for_long_durable_winter_jacket/" }, { "title": "Briggs & Riley \"warranty\": Broken zipper costs $255 to fix", "subreddit": "BuyItForLife", "num_comments": 103, "score": 0.922, "selftext": "I sent in my 6 year old carry-on because of a broken zipper. The bag is in decent shape and has only been used about 25 times. I was shocked when they told me it couldn't be repaired.\n\nInstead of a replacement, they gave me two bad options. First, a partial credit. To get the same replacement model, I have to pay $220 out of pocket plus the $35 shipping I already paid (side note, why does Houston have to ship somewhere and it's $35 for a carry-on?).\n\nSecond, they offered to replace it with a \"sa", "url": "https://reddit.com/r/BuyItForLife/comments/1qgtqwo/briggs_riley_warranty_broken_zipper_costs_255_to/" }, { "title": "Duluth is certainly not BIFL", "subreddit": "BuyItForLife", "num_comments": 100, "score": 0.918, "selftext": "My zipper gave out on my jacket exactly 3 years to the day and they won't honor the No Bull guarantee. There was no excessive use either,, it wasn't a work jacket. \n\nJust my two cents. ", "url": "https://reddit.com/r/BuyItForLife/comments/1que6qu/duluth_is_certainly_not_bifl/" }, { "title": "What your best lightweight garden hose brand that doesnt tangle?", "subreddit": "BuyItForLife", "num_comments": 7, "score": 0.916, "selftext": "My old hose is getting too heavy for me to drag around and it always gets knotted up. Does anyone use thats easier to manage and makes watering the garden less of a hassle?", "url": "https://reddit.com/r/BuyItForLife/comments/1r0zdpq/what_your_best_lightweight_garden_hose_brand_that/" }, { "title": "Cozy winter layering piece, hooded Aran or something similar?", "subreddit": "BuyItForLife", "num_comments": 9, "score": 0.91, "selftext": "\u00a0London winters are damp and grey, so I'm after a proper wool layer that's warm but doesn't make me look like I'm wearing a blanket. Been eyeing hooded Aran cardigans or zip-through styles in muted tones like oatmeal, tundra, or soft blue. Want something long enough to pair with boots and jeans or over dresses for work-from-home days. Not too chunky so I can still move. Seen prices from \u00a3100-\u00a3150 ish for decent ones. Has anyone here got one they live in? How's the sizing (I'm usually UK 10-12) a", "url": "https://reddit.com/r/BuyItForLife/comments/1r0uwx1/cozy_winter_layering_piece_hooded_aran_or/" }, { "title": "Comfy bras on a budget?", "subreddit": "BuyItForLife", "num_comments": 13, "score": 0.904, "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!", "url": "https://reddit.com/r/BuyItForLife/comments/1r17sq2/comfy_bras_on_a_budget/" }, { "title": "Best linen pants and shirts for TALL women for 120+ degree weather?", "subreddit": "BuyItForLife", "num_comments": 40, "score": 0.892, "selftext": "Looking for linen button up shirts and pants that are nice for the summer. My current pants get swampy as it gets 120+ Fahrenheit on bad days (49% nylon, 40% rayon, 11% spandex). Needs to be work appropriate. Looking for long sleeve shirts and long pants. **Specifically 34\u201d inseam or longer.** I\u2019m 6\u2019 tall.\n\nLet me know if you have any recs.", "url": "https://reddit.com/r/BuyItForLife/comments/1r0cldv/best_linen_pants_and_shirts_for_tall_women_for/" }, { "title": "Looking for wool base layer shirts", "subreddit": "BuyItForLife", "num_comments": 33, "score": 0.886, "selftext": "I was getting ads for Woolx, but their products seem to be a wool-synthetic blend, and I know synthetics greatly shorten the lifespan of clothes. I\u2019ve also had ads for Nui, but haven\u2019t found many comments on their quality. ", "url": "https://reddit.com/r/BuyItForLife/comments/1r08xto/looking_for_wool_base_layer_shirts/" }, { "title": "Go to Michael's for shirts and sweaters.", "subreddit": "Frugal", "num_comments": 41, "score": 0.87, "selftext": "This has probably been posted before but WOW!! I've been wearing Gildan longsleeve shirts for about 2 weeks now and I am beyond comfortable. My fiance and I only wear plain, black shirts so it works perfectly. T shirts are $2.99 ($3.99 for larger sizes), longsleeves are $11.99 ($6.99 on sale, which they're ALWAYS on sale) and sweatshirts for $19.99 ($11.99 on sale). \n\nI just wanted to share this as it feels like we were always buying new shirts at $15 each and sweaters for $30+. This has saved u", "url": "https://reddit.com/r/Frugal/comments/1qk1ikt/go_to_michaels_for_shirts_and_sweaters/" }, { "title": "What is a cheap alternative to rockwool?", "subreddit": "Frugal", "num_comments": 21, "score": 0.868, "selftext": "I am insulating a wall against noise and wanted to use wood wool instead of rock wool, so that I do not need to worry aout breathing anything in. Is there a cheap insulation material like wood wool, that is als safe and used for accoustic dampening (inside two layers of drywall).\n\nThe wall is small, so I only nee roughly 12m\u00b2 of insulation material. We live in northern europe, if that matters.", "url": "https://reddit.com/r/Frugal/comments/1qwrqx0/what_is_a_cheap_alternative_to_rockwool/" }, { "title": "THICK sweatshirts/T-shirts?", "subreddit": "BuyItForLife", "num_comments": 82, "score": 0.854, "selftext": "Every store nowadays seems to have terribly thin fabric that feels weightless and doesn\u2019t insulate at all. As someone that gets cold very easily, is there any brand, vintage or not, that consistently sells heavyweight products? Even better if there\u2019s graphic design on them. ", "url": "https://reddit.com/r/BuyItForLife/comments/1qzqiv4/thick_sweatshirtstshirts/" }, { "title": "Quality Plain White T-Shirts", "subreddit": "BuyItForLife", "num_comments": 76, "score": 0.832, "selftext": "I bought some Hanes plain white T-Shirts / Undershirts and they work well as an undershirt or to sleep in, but they wrinkle and mis-shape easy. I\u2019m looking for something a little heavier than them, but not a heavy weight shirt that will last and hold form. What do you guys recommend?", "url": "https://reddit.com/r/BuyItForLife/comments/1qze521/quality_plain_white_tshirts/" }, { "title": "Is dense needle felted wool considered heirloom quality if properly maintained?", "subreddit": "BuyItForLife", "num_comments": 16, "score": 0.8240000000000001, "selftext": "", "url": "https://reddit.com/r/BuyItForLife/comments/1r0fu8s/is_dense_needle_felted_wool_considered_heirloom/" }, { "title": "Upgrade from basic sweaters \u2013 is an Aran worth the spend?", "subreddit": "BuyItForLife", "num_comments": 35, "score": 0.8220000000000001, "selftext": "\u00a0My wardrobe is heavy on basics and I'm looking to add one standout winter piece that works with chinos, dark jeans, or even under a blazer for smarter casual. An Aran sweater in charcoal or navy keeps coming up as timeless and warm without screaming heritage. I've seen some around $140-170 that look well made. Question is whether the quality justifies it over a good merino from elsewhere. Anyone swapped their usual layers for one and found it versatile enough for daily wear? How does it hold up", "url": "https://reddit.com/r/BuyItForLife/comments/1qz5a2h/upgrade_from_basic_sweaters_is_an_aran_worth_the/" }, { "title": "durable and comfortable winter poncho", "subreddit": "BuyItForLife", "num_comments": 3, "score": 0.8200000000000001, "selftext": "ok so this is a bit of an odd request for a poncho; i don't need it for anything as intense as hiking or camping, i want a poncho that is comparable to a BIFL winter coat.\n\nthe reason i'm after a poncho specifically is that i have pretty severe sensory processing disorder, anything with long sleeves feels too constricting to me, and most standard rain ponchos are an awful texture against my skin. does anyone know of any nice ponchos that have a soft inner lining, but will stand up to winter rain", "url": "https://reddit.com/r/BuyItForLife/comments/1qzkep6/durable_and_comfortable_winter_poncho/" }, { "title": "My $268 \u201cnew\u201d pair of jeans compared to my 40 year old $10 pair from the thrift store lol", "subreddit": "BuyItForLife", "num_comments": 129, "score": 0.8140000000000001, "selftext": "I can\u2019t believe we\u2019re living during some of the worst times for clothing right now :(\n\nI know clothes won\u2019t last \u201cforever\u201d but not even lasting a season is diabolical. I should have just spent the money on vintage Levi\u2019s instead \ud83d\ude43\n\nJust wanted to share that I seem to have found a nice quality pair of denim though (which feels rare for some reason) and it was only $10. Has a little fading but I can work with that \ud83d\ude0a", "url": "https://reddit.com/r/BuyItForLife/comments/1qf53v0/my_268_new_pair_of_jeans_compared_to_my_40_year/" }, { "title": "Heavy pilling on Darn Tough after 5-7 wears", "subreddit": "BuyItForLife", "num_comments": 106, "score": 0.802, "selftext": "I bought some Darn Tough socks recently and noticed some heavy pilling after just a few wears on multiple pairs. Washed twice and air-dried, so I don't think that's a big issue. I have one other pair of wool socks that hasn't pilled like this even after probably 30 wears. All above the heel around the Achilles tendon area.\n\nIs this a bad sign for things to come or normal early wear? \n", "url": "https://reddit.com/r/BuyItForLife/comments/1qyi5e8/heavy_pilling_on_darn_tough_after_57_wears/" }, { "title": "What's the most durable natural fiber tee?", "subreddit": "BuyItForLife", "num_comments": 138, "score": 0.802, "selftext": "polyester smells like death after one gym session and I'm done with it. cotton stuff either shrinks or falls apart after like 5 washes though. Anyone tried hemp or bamboo? do they actually hold up or is that just marketing.. don't mind paying more if it actually lasts", "url": "https://reddit.com/r/BuyItForLife/comments/1qe9utn/whats_the_most_durable_natural_fiber_tee/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 27, "cross_source_count": 1, "reddit_post_count": 27, "question_signal_count": 27, "has_question_signal": true }, { "cluster_id": 57, "topics": [ { "topic_name": "Pov-Fi is a heavily moderated subreddit! READ THE RULES BEFORE TYPING!!", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/povertyfinance/comments/1m3rug9/povfi_is_a_heavily_moderated_subreddit_read_the/", "signal_type": "question" }, { "topic_name": "Finally broke the poverty cycle thanks to my sister", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/povertyfinance/comments/1qqubfw/finally_broke_the_poverty_cycle_thanks_to_my/", "signal_type": "question" }, { "topic_name": "Everybody Is Broke", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/povertyfinance/comments/1qd2ywu/everybody_is_broke/", "signal_type": "question" }, { "topic_name": "Single people, do you just double your net worth for comparison?", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/financialindependence/comments/1r2dxj8/single_people_do_you_just_double_your_net_worth/", "signal_type": "question" }, { "topic_name": "I'm tired of out-of-touch rich people cosplaying as middle class", "source": "reddit", "region": "global", "score": 0.992, "url": "https://reddit.com/r/povertyfinance/comments/1qg424u/im_tired_of_outoftouch_rich_people_cosplaying_as/", "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.", "source": "reddit", "region": "global", "score": 0.978, "url": "https://reddit.com/r/povertyfinance/comments/1r1hpb7/i_escaped_poverty_once_through_hard_work_army/", "signal_type": "question" }, { "topic_name": "What habits or life choices make it hard to escape poverty despite working hard?", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/povertyfinance/comments/1r182d3/what_habits_or_life_choices_make_it_hard_to/", "signal_type": "question" }, { "topic_name": "Poverty finance tip that helped me", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/povertyfinance/comments/1r16w2l/poverty_finance_tip_that_helped_me/", "signal_type": "question" }, { "topic_name": "Increasingly, your quality of life in the U.S seems to be fixed at birth", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/povertyfinance/comments/1qnhv64/increasingly_your_quality_of_life_in_the_us_seems/", "signal_type": "question" }, { "topic_name": "Finally made it out of poverty but I am losing friends because of it", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/povertyfinance/comments/1r0c6gy/finally_made_it_out_of_poverty_but_i_am_losing/", "signal_type": "question" }, { "topic_name": "Anytime I hear a rich person say being poor is better makes me wanna scream", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/povertyfinance/comments/1qqmuur/anytime_i_hear_a_rich_person_say_being_poor_is/", "signal_type": "question" }, { "topic_name": "Why do so many people on reddit think a 6 figure salary is poor?", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/povertyfinance/comments/1qutumb/why_do_so_many_people_on_reddit_think_a_6_figure/", "signal_type": "question" }, { "topic_name": "I'm tired of the \"just live below your means\" grindset mindset bro advice", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/povertyfinance/comments/1qfrsff/im_tired_of_the_just_live_below_your_means/", "signal_type": "question" }, { "topic_name": "Most People don\u2019t understand what it\u2019s like to be poor", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/povertyfinance/comments/1qetztn/most_people_dont_understand_what_its_like_to_be/", "signal_type": "question" }, { "topic_name": "How the f do people afford to live right now??", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/povertyfinance/comments/1qqwzzs/how_the_f_do_people_afford_to_live_right_now/", "signal_type": "question" }, { "topic_name": "Update on the \u201cAbandoned Apartment\u201d Situation", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/povertyfinance/comments/1qtyv6g/update_on_the_abandoned_apartment_situation/", "signal_type": "question" }, { "topic_name": "I\u2019m broke because I ate out every day, paid rent, and gambled. This is my reset.", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/povertyfinance/comments/1qkemcp/im_broke_because_i_ate_out_every_day_paid_rent/", "signal_type": "question" }, { "topic_name": "What's a small way to navigate poverty that you figured out accidentally and wish more people knew about.", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/povertyfinance/comments/1qzp9aq/whats_a_small_way_to_navigate_poverty_that_you/", "signal_type": "question" }, { "topic_name": "How are people still making fun of others for living with family?", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/povertyfinance/comments/1qkkrqu/how_are_people_still_making_fun_of_others_for/", "signal_type": "question" }, { "topic_name": "How are families even surviving?", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/povertyfinance/comments/1qynf1a/how_are_families_even_surviving/", "signal_type": "question" }, { "topic_name": "What college degree or skills made you overcome poverty?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/povertyfinance/comments/1qzt60t/what_college_degree_or_skills_made_you_overcome/", "signal_type": "question" }, { "topic_name": "I just got a $20,000 raise. How should I handle this?", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/personalfinance/comments/1qs46s7/i_just_got_a_20000_raise_how_should_i_handle_this/", "signal_type": "question" }, { "topic_name": "Ive come to rant about my life", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/povertyfinance/comments/1r06szw/ive_come_to_rant_about_my_life/", "signal_type": "question" }, { "topic_name": "Do you have a college degree? What did you major in, and did you have trouble finding a decent job that paid well?", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/povertyfinance/comments/1r0a0j1/do_you_have_a_college_degree_what_did_you_major/", "signal_type": "question" }, { "topic_name": "Just dropped out of college because I couldn\u2019t keep choosing between eating or school", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/povertyfinance/comments/1qz9fcg/just_dropped_out_of_college_because_i_couldnt/", "signal_type": "question" }, { "topic_name": "I really don't think life is for me", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/povertyfinance/comments/1qlx56v/i_really_dont_think_life_is_for_me/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Pov-Fi is a heavily moderated subreddit! READ THE RULES BEFORE TYPING!!", "subreddit": "povertyfinance", "num_comments": 95, "score": 1.0, "selftext": "Two years ago I posted the following message on this subreddit due to an increase of shitty people who have not read the rules or the community guidelines:\u00a0[https://www.reddit.com/r/povertyfinance/comments/11vwilh/special\\_enforcement\\_period/](https://www.reddit.com/r/povertyfinance/comments/11vwilh/special_enforcement_period/)\n\n\n\nAfter a 6 month evaluation period, the determination was that these changes needed to become permanent. \n\n\n\nSo here is how it is going to be. Any infraction can **wi", "url": "https://reddit.com/r/povertyfinance/comments/1m3rug9/povfi_is_a_heavily_moderated_subreddit_read_the/" }, { "title": "Finally broke the poverty cycle thanks to my sister", "subreddit": "povertyfinance", "num_comments": 854, "score": 0.996, "selftext": "Never thought I'd be posting in here with good news but here we are. My sister passed last month and left me her house - completely paid off, decent neighborhood, the whole deal. For context I've been working retail for years barely scraping by while drowning in student loans and living paycheck to paycheck. Used to visit my sister every week because honestly her place was warmer than my crappy apartment and she always had food. Turns out those visits meant everything to her because she left me ", "url": "https://reddit.com/r/povertyfinance/comments/1qqubfw/finally_broke_the_poverty_cycle_thanks_to_my/" }, { "title": "Everybody Is Broke", "subreddit": "povertyfinance", "num_comments": 315, "score": 0.994, "selftext": "I work at a car rental company and my role has really opened my eyes into how bad the finances are of so many different people. Many rental cars are paid for by insurance companies for people getting their cars repaired through insurance claims. Since the rental has already been paid for we just collect a $50 deposit for incidentals and to ensure the rental is returned. \n\nEvery week there are countless people that are unable to put down a deposit. Surprisingly, there are even clean cut, professi", "url": "https://reddit.com/r/povertyfinance/comments/1qd2ywu/everybody_is_broke/" }, { "title": "Single people, do you just double your net worth for comparison?", "subreddit": "financialindependence", "num_comments": 4, "score": 0.994, "selftext": "Most of the stats, recommendations, guidelines seem to always involve \"household\", which is typically dual income these days. Like when people talk about retirement and the \"$1m milestone\". For single folks with no dependencies, do you just double your net worth so that your comparison is more accurate? My guess is it's not exactly double, since things like housing is not automatically cut in half.", "url": "https://reddit.com/r/financialindependence/comments/1r2dxj8/single_people_do_you_just_double_your_net_worth/" }, { "title": "I'm tired of out-of-touch rich people cosplaying as middle class", "subreddit": "povertyfinance", "num_comments": 543, "score": 0.992, "selftext": "On personal finance and middle class subs, it seems like everyone and their grandma makes $150,000 salary and $250,000 household income, and saves over $3,000/month\n\n \nAnd yet these posters will cry about being living paycheck to paycheck or being poor or middle class in the same sentence. Case in point, this thread\n\n[https://reddit.com/r/MiddleClassFinance/comments/1qfx7ug/who\\_here\\_actually\\_saves\\_3000\\_a\\_month/](https://reddit.com/r/MiddleClassFinance/comments/1qfx7ug/who_here_actually_sa", "url": "https://reddit.com/r/povertyfinance/comments/1qg424u/im_tired_of_outoftouch_rich_people_cosplaying_as/" }, { "title": "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.", "subreddit": "povertyfinance", "num_comments": 21, "score": 0.978, "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", "url": "https://reddit.com/r/povertyfinance/comments/1r1hpb7/i_escaped_poverty_once_through_hard_work_army/" }, { "title": "What habits or life choices make it hard to escape poverty despite working hard?", "subreddit": "povertyfinance", "num_comments": 119, "score": 0.95, "selftext": "I\u2019m asking this to learn from real-life experiences. Many people work hard and still struggle financially, and I want to understand which habits or life choices tend to hold people back.\n\nI\u2019m especially interested in honest, practical examples and lessons that others have learned over time.\n", "url": "https://reddit.com/r/povertyfinance/comments/1r182d3/what_habits_or_life_choices_make_it_hard_to/" }, { "title": "Poverty finance tip that helped me", "subreddit": "povertyfinance", "num_comments": 0, "score": 0.926, "selftext": "when money is really tight, the goal is not getting rich. It\u2019s staying stable. I started focusing on basics only: rent, food, bills. Everything else is extra.\n\nI also stopped feeling bad for not saving much. Even saving $5 counts. It\u2019s better than zero.\n\nMost important thing I learned: don\u2019t blame yourself. Being broke is often not a personal failure.", "url": "https://reddit.com/r/povertyfinance/comments/1r16w2l/poverty_finance_tip_that_helped_me/" }, { "title": "Increasingly, your quality of life in the U.S seems to be fixed at birth", "subreddit": "povertyfinance", "num_comments": 191, "score": 0.926, "selftext": "Born to rich parents in a fancy subdivision or gated community? Well, you\u2019ll have access to high quality schools, food, healthcare, water and overall quality of life\u2014shielded from objective reality completely! Your parents will get you involved in extracurricular activities which will foster social connections early on and greatly improve your well-being. You\u2019ll go through middle and high school making memories to last a lifetime. By the time you\u2019re at college, you\u2019ll have enough money from momm", "url": "https://reddit.com/r/povertyfinance/comments/1qnhv64/increasingly_your_quality_of_life_in_the_us_seems/" }, { "title": "Finally made it out of poverty but I am losing friends because of it", "subreddit": "povertyfinance", "num_comments": 242, "score": 0.924, "selftext": "I don\u2019t even know where to begin or how to express this. I have been on this sub for a very long time and have used so many of the tips and tricks that I have seen on here to help me get by.\n\nI come from an abusive family and have been out of the house since 18. I put myself through school eventually but it was a very long journey to actually finish. It was really hard to not give up and I had no help through it. Now I started three years ago at a job making about $250K and got a promotion last ", "url": "https://reddit.com/r/povertyfinance/comments/1r0c6gy/finally_made_it_out_of_poverty_but_i_am_losing/" }, { "title": "Anytime I hear a rich person say being poor is better makes me wanna scream", "subreddit": "povertyfinance", "num_comments": 141, "score": 0.918, "selftext": "got a flat tire on the road conveniently next to a belle tire. I have $264 dollars in my bank and over 6k in debt. I\u2019ll be spending about $130 on a new tire today.\n\nim currently watching tv at the tire shop and guess whats on? a showcase of wealthy unique homes state of the art.\n\nthey go from house to house showing off their wealth. nothing wrong with that. the houses are beautiful but it reminds me of when rappers and actors tell people they miss being poor. haha they must have forgot how hard", "url": "https://reddit.com/r/povertyfinance/comments/1qqmuur/anytime_i_hear_a_rich_person_say_being_poor_is/" }, { "title": "Why do so many people on reddit think a 6 figure salary is poor?", "subreddit": "povertyfinance", "num_comments": 735, "score": 0.912, "selftext": "Based on the comments in this thread it seems like everyone on this subreddit makes 6 figure incomes.\n\nhttps://reddit.com/r/povertyfinance/comments/1qqxfjx/how_do_you_land_your_6_figure_job\n\nAm i the only one who makes less than 100k a year?\n\nAnd if not, where is the last safe space for people who don't make top 20% percentile salaries?", "url": "https://reddit.com/r/povertyfinance/comments/1qutumb/why_do_so_many_people_on_reddit_think_a_6_figure/" }, { "title": "I'm tired of the \"just live below your means\" grindset mindset bro advice", "subreddit": "povertyfinance", "num_comments": 110, "score": 0.896, "selftext": "Is there a real point to be made about budgeting smarter, avoiding lifestyle creep, and spending intentionally? Absolutely.\n\nBut people act like that\u2019s the whole story, and it\u2019s not.\n\nWhen I was making good money, I saved aggressively. I built a solid emergency fund, maxed out my IRA, and invested regularly. Saving wasn\u2019t some heroic act of discipline, it was possible because the math worked.\n\nThen I lost that job and took a new one that pays less. Now saving is either impossible or painfully sl", "url": "https://reddit.com/r/povertyfinance/comments/1qfrsff/im_tired_of_the_just_live_below_your_means/" }, { "title": "Most People don\u2019t understand what it\u2019s like to be poor", "subreddit": "povertyfinance", "num_comments": 252, "score": 0.892, "selftext": "I really think that the majority of people at least in the United States, do not understand what it\u2019s like to be poor. Most people don\u2019t understand how draining it is mentally, or how much it beats you down. I get so tired of hearing responses like just get a job. I am working, but people don\u2019t understand how damn difficult it is to get a good job. Even getting a job at someplace like McDonald\u2019s is hard as hell now. +75% of jobs don\u2019t pay you enough to live. Most people don\u2019t seem to get that. \n", "url": "https://reddit.com/r/povertyfinance/comments/1qetztn/most_people_dont_understand_what_its_like_to_be/" }, { "title": "How the f do people afford to live right now??", "subreddit": "povertyfinance", "num_comments": 137, "score": 0.868, "selftext": "Edit: thank you all so much for sharing your stories, both successes and struggles. It means a lot knowing I'm not alone, even if the circumstances suck. Thank you for the advice too, I'll check out some options I know my body can handle!\n\n\nI'm so tired. I was born in the poverty trap, section 8, foodstamps, you name it, I've tried it. Never got a car and was never taught, very long story short. Now I'm 30, and been unemployed since last May. Was trying to save for driving lessons but here we ar", "url": "https://reddit.com/r/povertyfinance/comments/1qqwzzs/how_the_f_do_people_afford_to_live_right_now/" }, { "title": "Update on the \u201cAbandoned Apartment\u201d Situation", "subreddit": "povertyfinance", "num_comments": 18, "score": 0.858, "selftext": "Original post: https://www.reddit.com/r/povertyfinance/s/quUzNjJRwP\n\nSo first and foremost I\u2019d like to thank everyone that gave me useful information about 99.9% of you all that I took advice from were correct on how to handle the situation. So I delivered and recorded the process of me giving a notarized document stating I didn\u2019t abandon my apartment and told her I have an additional copy for documentation purposes while I was recording on video. She quickly gave an excuse on why that document ", "url": "https://reddit.com/r/povertyfinance/comments/1qtyv6g/update_on_the_abandoned_apartment_situation/" }, { "title": "I\u2019m broke because I ate out every day, paid rent, and gambled. This is my reset.", "subreddit": "povertyfinance", "num_comments": 120, "score": 0.85, "selftext": "I\u2019m 21 and I\u2019m broke because of my own decisions:\n\u2013 Eating out every day\n\u2013 Rent\n\u2013 Gambling instead of budgeting\n\nI\u2019m not posting for sympathy. I\u2019m posting for accountability.\n\nMy solution (starting now):\n\u2013 No eating out at all\n\u2013 Cheap groceries only\n\u2013 Rent gets paid first\n\u2013 No gambling\n\u2013 Picking up overtime whenever possible\n\nWhat I bought with my last ~$30:\n\u2013 Bread (2 loaves)\n\u2013 Peanut butter\n\u2013 Jelly\n\u2013 Chicken\n\u2013 Cereal\n\nI already have eggs, rice, milk, and water at home.\nThis food should last me", "url": "https://reddit.com/r/povertyfinance/comments/1qkemcp/im_broke_because_i_ate_out_every_day_paid_rent/" }, { "title": "What's a small way to navigate poverty that you figured out accidentally and wish more people knew about.", "subreddit": "povertyfinance", "num_comments": 88, "score": 0.848, "selftext": "Mine is figuring out when to get a 30 day supplies vs. 90 day supplies of meds on Medicaid. I'm disabled and figured this out accidentally because of my illnesses. I had a couple of meds I was getting on a 90 day supply. That was the cheapest when I was cash pay, but then they were all covered under Medicaid. My medications get refilled five days before the supply is up. I was really worried at one point that I might lose my Medicaid at some point in the future (several months away). I realized ", "url": "https://reddit.com/r/povertyfinance/comments/1qzp9aq/whats_a_small_way_to_navigate_poverty_that_you/" }, { "title": "How are people still making fun of others for living with family?", "subreddit": "povertyfinance", "num_comments": 108, "score": 0.844, "selftext": "I mean, I know it's just because they're severely disconnected from the reality of how bad and expensive things are now.\n\nBut I've heard someone make the mother's basement joke, and sure it was funny YEARS ago when a single person could reasonably live on their own. Now tho? I have a degree and can't afford to live on my own. I live with my elderly parents even tho I'm almost 30, to be able to afford an upcoming surgery and actually have a savings account for emergencies. Whenever I do move out ", "url": "https://reddit.com/r/povertyfinance/comments/1qkkrqu/how_are_people_still_making_fun_of_others_for/" }, { "title": "How are families even surviving?", "subreddit": "povertyfinance", "num_comments": 187, "score": 0.84, "selftext": "I guess you could say this post is just a vent rant but I'm interested to hear people's stories out there. \n\nim sure this question has probably been asked many times but I can't help but just express it on here and I'm sure for many people if they are in this subreddit their answer would probably be they aren't surviving. I am someone who is a single person 25 F and for me alone I have no dependents I live with one parent at home life is just totally utterly hostile financially an economically.", "url": "https://reddit.com/r/povertyfinance/comments/1qynf1a/how_are_families_even_surviving/" }, { "title": "What college degree or skills made you overcome poverty?", "subreddit": "povertyfinance", "num_comments": 258, "score": 0.838, "selftext": "They always say you need a college degree or valuable skills to increase income and get better employment opportunities so I guess I'll have to choose that route. ", "url": "https://reddit.com/r/povertyfinance/comments/1qzt60t/what_college_degree_or_skills_made_you_overcome/" }, { "title": "I just got a $20,000 raise. How should I handle this?", "subreddit": "personalfinance", "num_comments": 100, "score": 0.836, "selftext": " I hope you guys are better than /r/povertyfinance\n\nHere's some background:\n\ndo not have a lot of money. I had a bad drug addiction in my 20s that I spent tens of thousands on drugs. I made a lot of bad financial decisions and I recognize that. I have been sober since 2016.\n\nIn 2017 I got hit with epilepsy and bipolar. Lots of hospital stays, some when I didn't have insurance. Then I got cauda equina which required emergency neurosurgery.\n\nSo I'm in ch13 bankruptcy and on top of that I have abou", "url": "https://reddit.com/r/personalfinance/comments/1qs46s7/i_just_got_a_20000_raise_how_should_i_handle_this/" }, { "title": "Ive come to rant about my life", "subreddit": "povertyfinance", "num_comments": 7, "score": 0.836, "selftext": "Ive never felt soo let down as i am today. This is it. Ive officially hit a wall that feels impossible to climb. I lost my well paying job last month. I was already fighting low paychecks due to the volume at my business. Got to the point to where the restaurant i was running shut down and i was left jobless. I tried to apply for unemployment, but they run me in circles. My electricity is on 48 hr notice. Ive been waiting all week for this morning to contact churches and other groups to inquire ", "url": "https://reddit.com/r/povertyfinance/comments/1r06szw/ive_come_to_rant_about_my_life/" }, { "title": "Do you have a college degree? What did you major in, and did you have trouble finding a decent job that paid well?", "subreddit": "povertyfinance", "num_comments": 64, "score": 0.8260000000000001, "selftext": "I was wondering how many of you have a college degree, and whether or not it did anything to bring you out of poverty. I know college is super expensive to begin with, and some majors don\u2019t pay well. And even some majors that are supposed to pay well don\u2019t pay well, resulting in poverty in many cases. I know nothing is guaranteed, and the job market is godawful these days, so that\u2019s why I was curious.", "url": "https://reddit.com/r/povertyfinance/comments/1r0a0j1/do_you_have_a_college_degree_what_did_you_major/" }, { "title": "Just dropped out of college because I couldn\u2019t keep choosing between eating or school", "subreddit": "povertyfinance", "num_comments": 288, "score": 0.8160000000000001, "selftext": "I can\u2019t believe it\u2019s come to this, but my ticket out of poverty has become unattainable. Every month for the past few months my account has been hitting the negatives, every penny I earn at my full time job gone within an hour of getting paid. \n\nAfter realizing that I\u2019m literally withering away, my weight slowly creeping towards the tens, I finally made the choice to stop paying my monthly payment and drop out. What hurts is, I had A\u2019s in all of my classes, it\u2019s not like I was doing terribly. I ", "url": "https://reddit.com/r/povertyfinance/comments/1qz9fcg/just_dropped_out_of_college_because_i_couldnt/" }, { "title": "I really don't think life is for me", "subreddit": "povertyfinance", "num_comments": 69, "score": 0.8140000000000001, "selftext": "I tried a lot. I had to drop out of my college classes. I was taking journalism. I loved it so much and wanted to get into photography and eventually travel. But ai got evicted and had my car repossessed. I feel like such a huge failure at 20 and it feels like I let myself go. I can't eat a full 2 meals everyday, I have one pair of clothes now since my car was took, and it's starting to wear. I feel so ugly and ashamed. I hate myself honestly. I find myself crying a lot and not wanting to really", "url": "https://reddit.com/r/povertyfinance/comments/1qlx56v/i_really_dont_think_life_is_for_me/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 26, "cross_source_count": 1, "reddit_post_count": 26, "question_signal_count": 26, "has_question_signal": true }, { "cluster_id": 29, "topics": [ { "topic_name": "YSK: Buying the expensive option can be cheaper (overall)", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/YouShouldKnow/comments/1r2danx/ysk_buying_the_expensive_option_can_be_cheaper/", "signal_type": "curiosity" }, { "topic_name": "Monthly megathread: Discuss quick frugal ideas, frugal challenges you're starting, and share your hauls with others here!", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/Frugal/comments/1qsqcs9/monthly_megathread_discuss_quick_frugal_ideas/", "signal_type": "question" }, { "topic_name": "Why I'm \"frugal\", and people commenting \"You must be rich\"", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/Frugal/comments/1qjtjhp/why_im_frugal_and_people_commenting_you_must_be/", "signal_type": "question" }, { "topic_name": "What changes helped transition you to become frugal?", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/Frugal/comments/1r25ua0/what_changes_helped_transition_you_to_become/", "signal_type": "question" }, { "topic_name": "Target Deal with Capital 1: Get $25 when you spend $50+", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/CreditCards/comments/1r22j5v/target_deal_with_capital_1_get_25_when_you_spend/", "signal_type": "question" }, { "topic_name": "I hit my limit with these restaurant bills", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/Frugal/comments/1qe25in/i_hit_my_limit_with_these_restaurant_bills/", "signal_type": "question" }, { "topic_name": "Where I see my frugal people fall down sometimes", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/Frugal/comments/1qnp6tg/where_i_see_my_frugal_people_fall_down_sometimes/", "signal_type": "question" }, { "topic_name": "Best home ecosystem for frugal people? Amazon vs Google vs Apple", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/Frugal/comments/1r18r1i/best_home_ecosystem_for_frugal_people_amazon_vs/", "signal_type": "question" }, { "topic_name": "Frugality gambles that have paid off?", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/Frugal/comments/1qqav5t/frugality_gambles_that_have_paid_off/", "signal_type": "question" }, { "topic_name": "Reminder to request book purchases from your library", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/Frugal/comments/1qbu5k2/reminder_to_request_book_purchases_from_your/", "signal_type": "question" }, { "topic_name": "What expense shocked you when you finally noticed how often you paid for it?", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/povertyfinance/comments/1r2795q/what_expense_shocked_you_when_you_finally_noticed/", "signal_type": "question" }, { "topic_name": "When being frugal is a choice how do you", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/Frugal/comments/1qynuhy/when_being_frugal_is_a_choice_how_do_you/", "signal_type": "question" }, { "topic_name": "Is making candles worth it as a hobby or small business?", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/Frugal/comments/1qycfr9/is_making_candles_worth_it_as_a_hobby_or_small/", "signal_type": "question" }, { "topic_name": "Which simple, unexciting purchase ended up having a surprisingly big impact on your daily life?", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/BuyItForLife/comments/1qckevq/which_simple_unexciting_purchase_ended_up_having/", "signal_type": "question" }, { "topic_name": "Any frugal millionaires here? Now that you\u2019ve earned it, are you still frugal?", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/Frugal/comments/1qkxgqw/any_frugal_millionaires_here_now_that_youve/", "signal_type": "question" }, { "topic_name": "One of the biggest mistakes non-frugal folks make is turning their brain off while shopping", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/Frugal/comments/1qqgvoj/one_of_the_biggest_mistakes_nonfrugal_folks_make/", "signal_type": "question" }, { "topic_name": "Frugal question: when does paying more upfront actually save money?", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/Frugal/comments/1qft4gc/frugal_question_when_does_paying_more_upfront/", "signal_type": "question" }, { "topic_name": "Is it normal to be so frugal that you end up becoming lonely?", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/Frugal/comments/1qvtkae/is_it_normal_to_be_so_frugal_that_you_end_up/", "signal_type": "question" }, { "topic_name": "I still can't get over how $30 is considered \"affordable\" or even \"cheap\"", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/povertyfinance/comments/1ql4ksy/i_still_cant_get_over_how_30_is_considered/", "signal_type": "question" }, { "topic_name": "How frugal is your first month going on?", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/Frugal/comments/1qmbzdq/how_frugal_is_your_first_month_going_on/", "signal_type": "question" }, { "topic_name": "What\u2019s something you stopped buying and never missed?", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/Frugal/comments/1qupaav/whats_something_you_stopped_buying_and_never/", "signal_type": "question" }, { "topic_name": "I think spending more on cheap luxuries has made me spend less on expensive ones", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/povertyfinance/comments/1qtsd07/i_think_spending_more_on_cheap_luxuries_has_made/", "signal_type": "question" }, { "topic_name": "A frugal habit finally clicked for me in a really unexciting moment", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/Frugal/comments/1qrcgcc/a_frugal_habit_finally_clicked_for_me_in_a_really/", "signal_type": "question" }, { "topic_name": "Comfort is bloody expensive. Why do we pretend otherwise?", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/povertyfinance/comments/1qe6fxg/comfort_is_bloody_expensive_why_do_we_pretend/", "signal_type": "question" }, { "topic_name": "Frugal person after they became 'rich'", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/Frugal/comments/1qgu264/frugal_person_after_they_became_rich/", "signal_type": "question" }, { "topic_name": "Being frugal with back pain relief products feels different than being frugal with anything else", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/Frugal/comments/1qi02d2/being_frugal_with_back_pain_relief_products_feels/", "signal_type": "question" } ], "reddit_posts": [ { "title": "YSK: Buying the expensive option can be cheaper (overall)", "subreddit": "YouShouldKnow", "num_comments": 20, "score": 1.0, "selftext": "Why YSK: When weighing whether to buy Option A and Option B, it's typically pretty easy to choose the cheaper option.\n\nHowever, there's something called the Sam Vimes Boot theory which describes how people in poverty have to buy cheap and subpar products that need to be replaced frequently.\n\nSo your $20 pair of shoes that lasts for a week is going to end up costing you more than the $200 pair of shoes that lasts you years.\n\nI personally choose to just never cheap out when it comes to technology.", "url": "https://reddit.com/r/YouShouldKnow/comments/1r2danx/ysk_buying_the_expensive_option_can_be_cheaper/" }, { "title": "Monthly megathread: Discuss quick frugal ideas, frugal challenges you're starting, and share your hauls with others here!", "subreddit": "Frugal", "num_comments": 7, "score": 1.0, "selftext": "Hi everyone,\n\nWelcome to our monthly megathread! Please use this as a space to generate discussion and post your frugal updates, tips/tricks, or anything else!\n\n\\---\n\n**Important Links:**\n\nFull subreddit rules here: [https://www.reddit.com/r/Frugal/about/rules/](https://www.reddit.com/r/Frugal/about/rules/)\n\nOfficial subreddit Discord link here: [https://discord.gg/W6a2yvac2h/](https://discord.gg/W6a2yvac2h/)\n\n\\---\n\n**Share with us!**\n\n\u00b7 What are some unique thrift store finds you came across th", "url": "https://reddit.com/r/Frugal/comments/1qsqcs9/monthly_megathread_discuss_quick_frugal_ideas/" }, { "title": "Why I'm \"frugal\", and people commenting \"You must be rich\"", "subreddit": "Frugal", "num_comments": 381, "score": 0.994, "selftext": "\\*Inspired by comments I'm seeing on Instagram and other reddit posts, as well as what people have said about my mom and I\\*\n\nI absolutely hate it when people see ONE expensive thing with a person, like a nice watch or nice crockery or a box of caviar and immediately go, \"Oh you must be rich.\" It is so annoying.\n\nOne of the reasons I'm frugal with other things is so I can spend the money I have on things I love and bring me joy. I don't buy a new phone or laptop till teh previous one is falling ", "url": "https://reddit.com/r/Frugal/comments/1qjtjhp/why_im_frugal_and_people_commenting_you_must_be/" }, { "title": "What changes helped transition you to become frugal?", "subreddit": "Frugal", "num_comments": 34, "score": 0.99, "selftext": "I am trying to become more frugal with all my spending. I gathered more than $30k in credit card and loan debt over the last 10 years so I am slowly working on getting that fixed. \n\nSo I was used to spending on useless items like weekend trips to Marshall\u2019s, Amazon, coffee, fast food, etc. \n\nIf you were ever a shopper like this, what habits helped transition you to live a frugal lifestyle? Like right now I was scrolling through here and saw someone post a lovely photo of their home that looked s", "url": "https://reddit.com/r/Frugal/comments/1r25ua0/what_changes_helped_transition_you_to_become/" }, { "title": "Target Deal with Capital 1: Get $25 when you spend $50+", "subreddit": "CreditCards", "num_comments": 4, "score": 0.99, "selftext": "Toddler mom here and I was excited to see this C1 deal at Target until I read the fine print. I usually buy from these categories that are ALL EXCLUDED: apparel, kitchen, home decor, personal care, bath, toys, groceries, household commodities (I assume toilet paper falls here), sporting goods, books etc.\n\n***Who has used this deal and what did you buy that qualified????*** \n\n|Rewards offer ends on\u00a0February 14, 2026\u00a0at 11:59 PM PST.\u00a0Excluded items do not count toward spend threshold.\u00a0Only eligibl", "url": "https://reddit.com/r/CreditCards/comments/1r22j5v/target_deal_with_capital_1_get_25_when_you_spend/" }, { "title": "I hit my limit with these restaurant bills", "subreddit": "Frugal", "num_comments": 516, "score": 0.986, "selftext": "I have penny-pinching tendencies, though I wouldn't label myself as frugal. Some things are worth spending money on. Restaurants and vacations are the two things that I always found worth it. Or used to find worth it. My inner frugality rose to the surface because of restaurants and their price inflation.\n\nFor the first time in my life, I have started asking myself: Is this restaurant meal even worth it, at these prices? Even my favorite hole-in-the-wall breakfast joint (which I particularly ", "url": "https://reddit.com/r/Frugal/comments/1qe25in/i_hit_my_limit_with_these_restaurant_bills/" }, { "title": "Where I see my frugal people fall down sometimes", "subreddit": "Frugal", "num_comments": 68, "score": 0.976, "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", "url": "https://reddit.com/r/Frugal/comments/1qnp6tg/where_i_see_my_frugal_people_fall_down_sometimes/" }, { "title": "Best home ecosystem for frugal people? Amazon vs Google vs Apple", "subreddit": "Frugal", "num_comments": 16, "score": 0.956, "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", "url": "https://reddit.com/r/Frugal/comments/1r18r1i/best_home_ecosystem_for_frugal_people_amazon_vs/" }, { "title": "Frugality gambles that have paid off?", "subreddit": "Frugal", "num_comments": 462, "score": 0.946, "selftext": "I'm curious about purchases people have made that are the frugal option that have paid off in the long term (or even medium term).\n\nFor example - instead of buying an expensive set of Bluetooth earbuds, I chose to buy the $10 HeyDay ones from Target. Primarily because I wasn't sure I would like having non-corded headphones (I'm often slow on the tech uptake). I've had them for a while now, and am pleased that I didn't spend $50, $100, or even more on a pair of headphones.\n\nAt any rate - what are", "url": "https://reddit.com/r/Frugal/comments/1qqav5t/frugality_gambles_that_have_paid_off/" }, { "title": "Reminder to request book purchases from your library", "subreddit": "Frugal", "num_comments": 27, "score": 0.924, "selftext": "This is your reminder to request your library purchase a book! I love reading and lately I\u2019ve been trying to read more books on frugality, budgeting, conscious consumerism, etc. I couldn\u2019t find a copy of \u201cThe Art of Frugal Hedonism\u201d secondhand or at my library. I put in a request for them to purchase it, and it was approved about 2 days later!\n\nI know every library has a different budget, and I do have my fair share of requests denied, but it\u2019s always worth a shot!\n\n", "url": "https://reddit.com/r/Frugal/comments/1qbu5k2/reminder_to_request_book_purchases_from_your/" }, { "title": "What expense shocked you when you finally noticed how often you paid for it?", "subreddit": "povertyfinance", "num_comments": 22, "score": 0.918, "selftext": "I\u2019ve been paying closer attention to spending lately, and one thing surprised me \u2014 it wasn\u2019t big purchases that added up.\n\nIt was the quiet, repeat ones.\n\nSubscriptions. \nConvenience spending. \nDelivery fees. \nAuto-renewals.\n\nNone felt dramatic individually, but together they were significant.\n\nNow I\u2019m curious:\n\nWhat\u2019s an expense that caught you off guard once you noticed the pattern?", "url": "https://reddit.com/r/povertyfinance/comments/1r2795q/what_expense_shocked_you_when_you_finally_noticed/" }, { "title": "When being frugal is a choice how do you", "subreddit": "Frugal", "num_comments": 47, "score": 0.918, "selftext": "When being frugal is a choice how do you Turn off your frugalness to buy something you don\u2019t necessarily need or is more expensive than it has to be? I am fortunate enough to be frugal but I have a hard time shutting it off when I want something I know breaks the frugal way. I would being interested if anyone else experiences this and how they go about trying to break the habit ", "url": "https://reddit.com/r/Frugal/comments/1qynuhy/when_being_frugal_is_a_choice_how_do_you/" }, { "title": "Is making candles worth it as a hobby or small business?", "subreddit": "Frugal", "num_comments": 93, "score": 0.916, "selftext": "This might sound a bit funny, but I\u2019d honestly describe myself as an avid candle burner. In my house, we really love candles and we use them often, not just for special occasions like romantic dinners or birthdays. They\u2019re part of our everyday routine. I usually buy scented candles, and I\u2019ve slowly realized I\u2019m spending quite a lot on them. The good ones smell amazing, but they can get pretty pricey over time.\n\nThat\u2019s what got me thinking about making my own candles. From what I\u2019ve seen, materia", "url": "https://reddit.com/r/Frugal/comments/1qycfr9/is_making_candles_worth_it_as_a_hobby_or_small/" }, { "title": "Which simple, unexciting purchase ended up having a surprisingly big impact on your daily life?", "subreddit": "BuyItForLife", "num_comments": 614, "score": 0.914, "selftext": "", "url": "https://reddit.com/r/BuyItForLife/comments/1qckevq/which_simple_unexciting_purchase_ended_up_having/" }, { "title": "Any frugal millionaires here? Now that you\u2019ve earned it, are you still frugal?", "subreddit": "Frugal", "num_comments": 398, "score": 0.904, "selftext": "What habits did you have? What frugal things do you still do/ have that you don\u2019t have to? How old is your car, points on air travel, do you still thrift? Buy food on sale? Coupon? Buy in bulk? Did you have children, go to college, etc? So, I\u2019m trying to fill up space at this point, but what are your top three habits you can\u2019t seem to change? I\u2019m not sure why I need 300 characters. ", "url": "https://reddit.com/r/Frugal/comments/1qkxgqw/any_frugal_millionaires_here_now_that_youve/" }, { "title": "One of the biggest mistakes non-frugal folks make is turning their brain off while shopping", "subreddit": "Frugal", "num_comments": 106, "score": 0.884, "selftext": "Calculate the cost per ounce of different products. Check prices across multiple stores. Try the cheap/generic versions to see if they work fine. Read the price every time you buy something. \n\nHow hard is that appliance to keep clean? Is the company you hire once per year still getting good reviews? Does that supplement actually do anything? It sure would be nice to know before spending a bunch of money. \n\nI'm amazed by how often people buy things without a single moment of research or self refl", "url": "https://reddit.com/r/Frugal/comments/1qqgvoj/one_of_the_biggest_mistakes_nonfrugal_folks_make/" }, { "title": "Frugal question: when does paying more upfront actually save money?", "subreddit": "Frugal", "num_comments": 359, "score": 0.874, "selftext": "I\u2019m pretty frugal in most areas of my life, but I\u2019ve been rethinking one category lately: things you use every single day.\n\nI used to buy cheap pillows and replace them every year or so when they went flat or lumpy. They were usually around $20\u201330, so it never felt like a big deal, but over a few years that adds up.\n\nRecently I got a pillow from Kozi (gift, not something I would\u2019ve bought for myself tbh). It cost more upfront than what I\u2019d normally spend, which made me uncomfortable at first. Bu", "url": "https://reddit.com/r/Frugal/comments/1qft4gc/frugal_question_when_does_paying_more_upfront/" }, { "title": "Is it normal to be so frugal that you end up becoming lonely?", "subreddit": "Frugal", "num_comments": 104, "score": 0.86, "selftext": "Pandemic hit me so hard finacially that I feel that I gotta save on everything to the point where I would rather sweat hard than use a fan or A/C. After the Covid pandemic, things became normal and I even prospered a little but my severe scarcity mindset remains to the point where I dont even let me spend time with others unless it is work or training related. Now I am so lonely because I never spent time and resources building friendships. I\u2019m in pain because I am alone but my brain gives me re", "url": "https://reddit.com/r/Frugal/comments/1qvtkae/is_it_normal_to_be_so_frugal_that_you_end_up/" }, { "title": "I still can't get over how $30 is considered \"affordable\" or even \"cheap\"", "subreddit": "povertyfinance", "num_comments": 124, "score": 0.854, "selftext": "Just a little rant. I grew up poor but stable and had a very distorted view of money. I remember not being able to take music lessons in school because it would cost $80 to rent an instrument, so I thought \"If I can't have music lessons for $80, then $80 is a *lot* of money\". For me $100 may as well be $1000. \n\nUsually if something is under $30, I am more likely to consider purchasing it, it doesn't feel like a blow. But anything over $30 feels like an investment, I have to think about it, wheth", "url": "https://reddit.com/r/povertyfinance/comments/1ql4ksy/i_still_cant_get_over_how_30_is_considered/" }, { "title": "How frugal is your first month going on?", "subreddit": "Frugal", "num_comments": 125, "score": 0.854, "selftext": "My first month (in 2026) is going good.\n\nMuch less dining out. (Mostly for my teenager kid - Chipotle, Boba, McDonalds) Cooking at home. No unnecessary shopping.\n\nStopped Amazon Prime, Walmart Plus.\n\nChanged Netflix to Basic with ads plan.\n\nI go to groceries every other week on my paycheck day. Trying to buy produce only.\n\nBuying less processed food.\n\nTracking my spending with app. My spending bar is much lower than last month.\n\nMy other kid in college started working part time. That helped too", "url": "https://reddit.com/r/Frugal/comments/1qmbzdq/how_frugal_is_your_first_month_going_on/" }, { "title": "What\u2019s something you stopped buying and never missed?", "subreddit": "Frugal", "num_comments": 645, "score": 0.846, "selftext": "I was recently looking back at my monthly expenses and realized that some things I used to buy regularly were mostly driven by habit, not real need. Once I stopped purchasing them, I honestly didn\u2019t feel any difference in my day-to-day life. In fact, it made me more aware of how many \u201cdefault\u201d purchases we make without questioning them. I\u2019m curious what others decided to cut out and then realized they never actually missed.", "url": "https://reddit.com/r/Frugal/comments/1qupaav/whats_something_you_stopped_buying_and_never/" }, { "title": "I think spending more on cheap luxuries has made me spend less on expensive ones", "subreddit": "povertyfinance", "num_comments": 32, "score": 0.832, "selftext": "I've been thinking about something lately and I hope this forum is the right place to share it:\n\nI distinguish between \"cheap\" vs \"expensive\" luxuries based on how many hours of use you get per dollar. I've noticed that over the years I gradually spend less and less on expensive treats like eating out. What's weird is that I didn't \\*TRY\\* to force myself to not go out. I just started spending more on luxuries that are actually very cheap \"per hour of use\", and I lost interest in going out to ea", "url": "https://reddit.com/r/povertyfinance/comments/1qtsd07/i_think_spending_more_on_cheap_luxuries_has_made/" }, { "title": "A frugal habit finally clicked for me in a really unexciting moment", "subreddit": "Frugal", "num_comments": 16, "score": 0.8220000000000001, "selftext": "This wasn\u2019t some big win or clever hack. It happened in the most boring way possible. I was at the grocery store grabbing my usual stuff and caught myself automatically reaching for the cheaper version of something without even thinking about it. No debate, no internal argument, just habit. \nWhat made me stop was realizing that a couple years ago I would\u2019ve stood there way longer, checking prices on my phone, doing mental math, stressing over whether saving a dollar was worth it. This time I d", "url": "https://reddit.com/r/Frugal/comments/1qrcgcc/a_frugal_habit_finally_clicked_for_me_in_a_really/" }, { "title": "Comfort is bloody expensive. Why do we pretend otherwise?", "subreddit": "povertyfinance", "num_comments": 129, "score": 0.8200000000000001, "selftext": "We talk a lot about rising costs and low pay (which are real), but we rarely talk about how expensive comfort actually is. Convenience, subscriptions, eating out, upgrades, \u201ctreat yourself\u201d moments they add up fast.\n\nComfort isn\u2019t bad, but pretending it\u2019s free feels dishonest. At some point it becomes a choice, not just a circumstance.\n\nNot judging, genuinely curious how others think about where comfort ends and necessity begins.", "url": "https://reddit.com/r/povertyfinance/comments/1qe6fxg/comfort_is_bloody_expensive_why_do_we_pretend/" }, { "title": "Frugal person after they became 'rich'", "subreddit": "Frugal", "num_comments": 233, "score": 0.8180000000000001, "selftext": "Not sure if this belongs here. Question is , my frugal folks who are now rich, how have they adjusted their mindset and expenditure? I am still working on it, I try to get a coffee sometimes, go out to fancy dinners with family/friends, I still can't busy expensive clothes even though I can afford them. I am proud of being good with money and I hate waste. How are you living these days after you got lots of money?\n\nDefine rich:\n\nLet's say for the sake of this post you are so rich you have achie", "url": "https://reddit.com/r/Frugal/comments/1qgu264/frugal_person_after_they_became_rich/" }, { "title": "Being frugal with back pain relief products feels different than being frugal with anything else", "subreddit": "Frugal", "num_comments": 100, "score": 0.806, "selftext": "\nI\u2019m pretty aggressively frugal. Not in a \u201cnever spend money\u201d way, but in a \u201cI need a reason\u201d way. I track spending, delay purchases, DIY whenever it makes sense. Most of the time it works.\n\nBut back pain relief products mess with my usual logic.\nWith most things, going cheap just means lower quality or inconvenience. Bad coffee tastes bad. Cheap shoes wear out. You shrug and move on. With back pain, the cost feels delayed and harder to measure.\n\nI tried ignoring it at first. Told myself posture", "url": "https://reddit.com/r/Frugal/comments/1qi02d2/being_frugal_with_back_pain_relief_products_feels/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "curiosity", "question" ], "topic_count": 26, "cross_source_count": 1, "reddit_post_count": 26, "question_signal_count": 25, "has_question_signal": true }, { "cluster_id": 36, "topics": [ { "topic_name": "Literally $10 budget for a bed after emergency move-out. How do I make the floor bearable?", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/povertyfinance/comments/1r23qnh/literally_10_budget_for_a_bed_after_emergency/", "signal_type": "question" }, { "topic_name": "I can finally save money and budget since leaving home", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/povertyfinance/comments/1r1rfbl/i_can_finally_save_money_and_budget_since_leaving/", "signal_type": "question" }, { "topic_name": "Planning to move to another appt", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/personalfinance/comments/1r21ox2/planning_to_move_to_another_appt/", "signal_type": "question" }, { "topic_name": "What's your solution for a frugal house/home?", "source": "reddit", "region": "global", "score": 0.968, "url": "https://reddit.com/r/Frugal/comments/1r1af2p/whats_your_solution_for_a_frugal_househome/", "signal_type": "question" }, { "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", "score": 0.966, "url": "https://reddit.com/r/povertyfinance/comments/1qd8ksb/its_just_a_room_but_i_couldnt_be_happier/", "signal_type": "question" }, { "topic_name": "cant help but feel bitter my parents make over $200k and leave nothing for me.", "source": "reddit", "region": "global", "score": 0.958, "url": "https://reddit.com/r/povertyfinance/comments/1qvbufo/cant_help_but_feel_bitter_my_parents_make_over/", "signal_type": "question" }, { "topic_name": "Budgeting and move out help and questions", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/povertyfinance/comments/1r2d3uf/budgeting_and_move_out_help_and_questions/", "signal_type": "question" }, { "topic_name": "The math doesn\u2019t add up", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/povertyfinance/comments/1qnuqfx/the_math_doesnt_add_up/", "signal_type": "question" }, { "topic_name": "Considering moving states to keep a job with low finances", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/personalfinance/comments/1r2d2a6/considering_moving_states_to_keep_a_job_with_low/", "signal_type": "question" }, { "topic_name": "Should I do this long commute or retire", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/financialindependence/comments/1qsyz30/should_i_do_this_long_commute_or_retire/", "signal_type": "question" }, { "topic_name": "rent jumped $200 and my paycheck's the same. i feel like i'm just working to survive tbh", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/povertyfinance/comments/1qngdpa/rent_jumped_200_and_my_paychecks_the_same_i_feel/", "signal_type": "question" }, { "topic_name": "Homeless To $3,600 Challenge - Part 1", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/povertyfinance/comments/1r28808/homeless_to_3600_challenge_part_1/", "signal_type": "question" }, { "topic_name": "Most unhinged way to save for a house", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/Frugal/comments/1qlnoa9/most_unhinged_way_to_save_for_a_house/", "signal_type": "question" }, { "topic_name": "Is anyone else completely broke after paying rent?", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/povertyfinance/comments/1qs28dj/is_anyone_else_completely_broke_after_paying_rent/", "signal_type": "question" }, { "topic_name": "Would you take a job in an LCOL city with HCOL pay, knowing that there\u2019s only one employer that can pay at that level?", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/personalfinance/comments/1qskvh4/would_you_take_a_job_in_an_lcol_city_with_hcol/", "signal_type": "question" }, { "topic_name": "3 million nw + exploring a sabbatical", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/financialindependence/comments/1qn5rmr/3_million_nw_exploring_a_sabbatical/", "signal_type": "question" }, { "topic_name": "Is my low rent a set of golden handcuffs? Aka will it ever make financial sense to buy a home?", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/personalfinance/comments/1qi4vjn/is_my_low_rent_a_set_of_golden_handcuffs_aka_will/", "signal_type": "question" }, { "topic_name": "Everything is costing SO MUCH money that I don't have.", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/povertyfinance/comments/1r1988e/everything_is_costing_so_much_money_that_i_dont/", "signal_type": "question" }, { "topic_name": "End of my rope", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/povertyfinance/comments/1qqmsb4/end_of_my_rope/", "signal_type": "question" }, { "topic_name": "Is it even worth starting to look at houses?", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/personalfinance/comments/1qv5l2g/is_it_even_worth_starting_to_look_at_houses/", "signal_type": "question" }, { "topic_name": "Can we afford a home upgrade given our income and expenses?", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/personalfinance/comments/1r2c7ge/can_we_afford_a_home_upgrade_given_our_income_and/", "signal_type": "question" }, { "topic_name": "$939 rent on $1,500/month income\u2026feasible with walking commute + second job?", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/povertyfinance/comments/1qpd449/939_rent_on_1500month_incomefeasible_with_walking/", "signal_type": "question" }, { "topic_name": "I Have to Move Out by May 1st, Please Rate My Budget & Give Advice (Minneapolis, MN)", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/povertyfinance/comments/1qn54fz/i_have_to_move_out_by_may_1st_please_rate_my/", "signal_type": "question" }, { "topic_name": "At what % of net worth does it not make sense anymore?", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/financialindependence/comments/1qejo4c/at_what_of_net_worth_does_it_not_make_sense/", "signal_type": "question" }, { "topic_name": "Paid-off home in Texas would cost the same as renting in South Dakota. Am I missing something?", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/financialindependence/comments/1qdiox0/paidoff_home_in_texas_would_cost_the_same_as/", "signal_type": "question" }, { "topic_name": "Is renting a room still a feasible way to save money", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/Frugal/comments/1qu195r/is_renting_a_room_still_a_feasible_way_to_save/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Literally $10 budget for a bed after emergency move-out. How do I make the floor bearable?", "subreddit": "povertyfinance", "num_comments": 121, "score": 0.996, "selftext": "Hi everyone,\n\nI\u2019m in a bit of a tight spot. Long story short: I went through a really rough breakup and had to move out immediately. I managed to scrape together enough for the deposit and first month\u2019s rent on a tiny, empty studio, but it completely drained me. I can't even afford a thrift store mattress right now, and even if I could, I don't have a car to transport it. For the last three nights, I\u2019ve been sleeping on the hardwood floor with just a duvet and two pillows. I know people have sle", "url": "https://reddit.com/r/povertyfinance/comments/1r23qnh/literally_10_budget_for_a_bed_after_emergency/" }, { "title": "I can finally save money and budget since leaving home", "subreddit": "povertyfinance", "num_comments": 19, "score": 0.984, "selftext": "Ive just been crying in my share house right now because I feel so relieved. \n\nFor context, I was kicked out of home when I was 20 and didnt have any connections. I was able to find a place to live but living in Sydney Australia, it was so expensive. I only earnt $800 per fortnight and my rent was $400 a week. It was the only place accessible for me at the time so I made do for almost 2 years there, doing extra work when I can and getting onto government support. \n\nAfter spending every day study", "url": "https://reddit.com/r/povertyfinance/comments/1r1rfbl/i_can_finally_save_money_and_budget_since_leaving/" }, { "title": "Planning to move to another appt", "subreddit": "personalfinance", "num_comments": 2, "score": 0.97, "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 ", "url": "https://reddit.com/r/personalfinance/comments/1r21ox2/planning_to_move_to_another_appt/" }, { "title": "What's your solution for a frugal house/home?", "subreddit": "Frugal", "num_comments": 19, "score": 0.968, "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", "url": "https://reddit.com/r/Frugal/comments/1r1af2p/whats_your_solution_for_a_frugal_househome/" }, { "title": "It's just a room but I couldn't be happier. Definitely an upgrade from sleeping on my friends floor", "subreddit": "povertyfinance", "num_comments": 83, "score": 0.966, "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. ", "url": "https://reddit.com/r/povertyfinance/comments/1qd8ksb/its_just_a_room_but_i_couldnt_be_happier/" }, { "title": "cant help but feel bitter my parents make over $200k and leave nothing for me.", "subreddit": "povertyfinance", "num_comments": 45, "score": 0.958, "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 ", "url": "https://reddit.com/r/povertyfinance/comments/1qvbufo/cant_help_but_feel_bitter_my_parents_make_over/" }, { "title": "Budgeting and move out help and questions", "subreddit": "povertyfinance", "num_comments": 9, "score": 0.956, "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", "url": "https://reddit.com/r/povertyfinance/comments/1r2d3uf/budgeting_and_move_out_help_and_questions/" }, { "title": "The math doesn\u2019t add up", "subreddit": "povertyfinance", "num_comments": 575, "score": 0.95, "selftext": "Rent is supposed to be 30% of your income, right?\n\nSo if you make $2,600 a month your rent should be no more than $780. Already not realistic for Northern New Jersey.\n\nApartment from rent, here are my set expenses.\n\nCar insurance averages $365 a month.\n\nCell phone $80 a month.\n\nLife insurance is about $100 a month.\n\nGas currently with my commute to work is about $200.\n\nGroceries on a strict budget is $200 a month.\n\nSo.\n\nNon-negotiable expenses are at 1,050 WITHOUT RENT AND WITHOUT UTILITIES.\n\nIf", "url": "https://reddit.com/r/povertyfinance/comments/1qnuqfx/the_math_doesnt_add_up/" }, { "title": "Considering moving states to keep a job with low finances", "subreddit": "personalfinance", "num_comments": 10, "score": 0.948, "selftext": "I make $18 an hour at 34 hrs per week living at home while paying $450 monthly for car insurance and a car. I am depressed and that's likely influencing my thoughts, but if I don't relocate I'll lose my job and insurance benefits. I have an associate of arts gen ed associates degree but nothing else. Most no experience needed jobs only pay $13-15 in my area. If I'm offered a job in somewhere like St Louis or Huntsville I want to take it, but again I know that's not easily done with my lack of sa", "url": "https://reddit.com/r/personalfinance/comments/1r2d2a6/considering_moving_states_to_keep_a_job_with_low/" }, { "title": "Should I do this long commute or retire", "subreddit": "financialindependence", "num_comments": 127, "score": 0.942, "selftext": "My office location was closed down and I\u2019m being asked to relocate about 300 miles away to the headquarters which is a VCHOL and in same state. I don\u2019t want to relocate because my wife has a job here, I have a 2.5% mortgage, lower property tax, and my family and wives family are all here. I\u2019m considering flying every week and wondering if it\u2019s worth it. I have to be in the office 3 times a week, so i would fly Monday morning and come home Wednesday evening. I would need to spend around $400 a mo", "url": "https://reddit.com/r/financialindependence/comments/1qsyz30/should_i_do_this_long_commute_or_retire/" }, { "title": "rent jumped $200 and my paycheck's the same. i feel like i'm just working to survive tbh", "subreddit": "povertyfinance", "num_comments": 93, "score": 0.928, "selftext": "ngl i used to kinda laugh at the 'two jobs to survive' memes but now i'm the meme. got a notice that my rent went up $200 next month and my boss denied the raise i asked for. so i'm still making the same while somehow having to stretch my paycheck even thinner. been cutting back on basically everything, no more dumb impulse orders, workouts are just bodyweight at home, even switched to instant ramen sometimes. feels like i'm just working 40+ hours a week to pay bills and sleep. that's it.\n\nhow a", "url": "https://reddit.com/r/povertyfinance/comments/1qngdpa/rent_jumped_200_and_my_paychecks_the_same_i_feel/" }, { "title": "Homeless To $3,600 Challenge - Part 1", "subreddit": "povertyfinance", "num_comments": 0, "score": 0.92, "selftext": "Seeing if I can make the average rent in America plus a security deposit in 30 days by living in my car and working gig apps!", "url": "https://reddit.com/r/povertyfinance/comments/1r28808/homeless_to_3600_challenge_part_1/" }, { "title": "Most unhinged way to save for a house", "subreddit": "Frugal", "num_comments": 269, "score": 0.918, "selftext": "Hi everyone! My husband and I are thinking of moving states in a few years. I know it\u2019s a long way off but we are planning how. I want to save as much money as possible but I want to hear some crazy unhinged tactics that you used to save a lot of money. \n\nI\u2019m aware of the basics, eat out less, don\u2019t spend money on alcohol, cancel subscriptions and don\u2019t buy clothes unless it\u2019s needed. I just wonder if there is anything else everyone recommends. \n\nWe\u2019re not buying a 600,000 home but every penny t", "url": "https://reddit.com/r/Frugal/comments/1qlnoa9/most_unhinged_way_to_save_for_a_house/" }, { "title": "Is anyone else completely broke after paying rent?", "subreddit": "povertyfinance", "num_comments": 169, "score": 0.904, "selftext": "First of the month here again, just got paid and immediately had to give basically my whole paycheck to rent/utilities and whatever is left is going towards groceries and household essentials like paper towels, toilet paper, garbage bags, etc.\n\nI know it isn't uncommon but I'm always so envious of people who still have hundreds/thousands left over after paying bills. Must be nice, living paycheck to paycheck sucks", "url": "https://reddit.com/r/povertyfinance/comments/1qs28dj/is_anyone_else_completely_broke_after_paying_rent/" }, { "title": "Would you take a job in an LCOL city with HCOL pay, knowing that there\u2019s only one employer that can pay at that level?", "subreddit": "personalfinance", "num_comments": 208, "score": 0.896, "selftext": "We're renting in the Bay Area. Dual income with 2 kids in daycare. Combined income maxed out at $300,000. Homeownership is not realistically attainable.\n\nI just receive an offer in Indianapolis for $200,000. My wife would stay home with the children. No jobs in her field in the area. \n\nThe new job is with the only local employer that offers salary at this level. Based on quick research, we could afford a home on my salary alone.\n\nHonestly I\u2019m exhausted by the Bay Area rat race. I would love a sa", "url": "https://reddit.com/r/personalfinance/comments/1qskvh4/would_you_take_a_job_in_an_lcol_city_with_hcol/" }, { "title": "3 million nw + exploring a sabbatical", "subreddit": "financialindependence", "num_comments": 43, "score": 0.896, "selftext": "This community has been so helpful to me. I haven\u2019t posted here in 2+ years, but seek advice on a taking a sabbatical year in 2027.\n\nBetween the soaring markets and value of my 5 rental houses, our net worth crossed 3 million this month for the first time. I can\u2019t believe I\u2019m writing that. We just work in primary schools and non-profit orgs. I\u2019m mid-40s (90k salary), as is my wife (35k PT salary), and have two fun elementary school kids who just got into a top tuition-free magnet school. What a ", "url": "https://reddit.com/r/financialindependence/comments/1qn5rmr/3_million_nw_exploring_a_sabbatical/" }, { "title": "Is my low rent a set of golden handcuffs? Aka will it ever make financial sense to buy a home?", "subreddit": "personalfinance", "num_comments": 228, "score": 0.874, "selftext": "I've been wracking my brain trying to figure out some way that buying a home would make financial sense. \n\nCurrent bills associated with renting:\n\n* Rent: $1100/mo\n* Insurance: $10/mo\n\nThe cheapest houses in my area, which I love and is where my job is, are $350k for fixer-uppers. Even at a well-below-market 3% rate, no downpayment (so I don't have to calculate comparitive ROI), and no PMI, that's still $1475/month on a 30 year loan. \n\nAdd in property taxes, home insurance, repairs, and addition", "url": "https://reddit.com/r/personalfinance/comments/1qi4vjn/is_my_low_rent_a_set_of_golden_handcuffs_aka_will/" }, { "title": "Everything is costing SO MUCH money that I don't have.", "subreddit": "povertyfinance", "num_comments": 8, "score": 0.864, "selftext": "Alternate title: So begins my year of budget hell.\n\nI was renting to own for several years before finally purchasing the house I live in. I bought it from family at the end of last year and got a good deal, or so I thought. Then I found out how much more I'd be paying each month thanks to escrow, and my budget got slashed.\n\nThen I had to pay the personal property tax on my car which was hundreds of dollars, which then had an electrical problem and had to be repaired at the dealership, which cost", "url": "https://reddit.com/r/povertyfinance/comments/1r1988e/everything_is_costing_so_much_money_that_i_dont/" }, { "title": "End of my rope", "subreddit": "povertyfinance", "num_comments": 149, "score": 0.856, "selftext": "I\u2019ve been struggling so much, I have three jobs, I live with my parents so I don\u2019t much in Rent ($150) yet I barely have anything to eat and I can barely get to work with bus fare. I try and try and try to budget and save yet life just saps everything from me. My energy, my money, my happiness. People always asl me at work why I don\u2019t have a car but imagine to buy a car with a 521 credit score and 12 dollars in your account. \n\nI don\u2019t know what to do, no one full-time positions will ever hire me", "url": "https://reddit.com/r/povertyfinance/comments/1qqmsb4/end_of_my_rope/" }, { "title": "Is it even worth starting to look at houses?", "subreddit": "personalfinance", "num_comments": 164, "score": 0.85, "selftext": "My partner and I are hoping to buy a house before our lease is up in 6months. If we had to, we could continue living here but want to explore home owning.\n\nHe makes about $90k/year and pays $1450 in rent with some smaller regular bills but has credit card debt and no student loans. I make about $40k and pay our utilities, $110/month for insurance and have student debt (no credit cards) and some smaller regular bills. His credit is around 750, mine is 690. \nBetween the two of us we don't have muc", "url": "https://reddit.com/r/personalfinance/comments/1qv5l2g/is_it_even_worth_starting_to_look_at_houses/" }, { "title": "Can we afford a home upgrade given our income and expenses?", "subreddit": "personalfinance", "num_comments": 4, "score": 0.836, "selftext": "Age: Mid\u201140s\n\nMarital Status: Married\n\nChildren: None\n\nGross Income:\n\n\\~$300K household\n\n$11K/month take\u2011home (can increase to $13K/month if we pause ESPP)\n\nTake\u2011home is after maxing 401(k)s, HSA, and ESPP\n\nDebt:\n\nOnly an existing mortgage\n\nMonthly Expenses:\n\n\\~$7,000/month including current $3,000 mortgage\n\nAssets:\n\n$100K emergency fund\n\n$800K taxable investments\n\n$1.1M retirement accounts (401k, IRA, HSA)\n\nHome Purchase:\n\nConsidering a home around the $1M range\n\nEstimated payment around $5,000", "url": "https://reddit.com/r/personalfinance/comments/1r2c7ge/can_we_afford_a_home_upgrade_given_our_income_and/" }, { "title": "$939 rent on $1,500/month income\u2026feasible with walking commute + second job?", "subreddit": "povertyfinance", "num_comments": 333, "score": 0.836, "selftext": "Hi, I\u2019m 22 (F) and am currently looking to move out of my mother\u2019s house. I was hoping to stay longer as I start nursing school, but I realize that I\u2019m getting nowhere with saving money when I\u2019m the only adult out of her two adult sons actually paying bills and other household necessities. I recently found out that there\u2019s an apartment complex that\u2018s less than a 10 minute walk from my job (literally behind the building). The only issue is that the rent for a one bedroom is $939 and my monthly in", "url": "https://reddit.com/r/povertyfinance/comments/1qpd449/939_rent_on_1500month_incomefeasible_with_walking/" }, { "title": "I Have to Move Out by May 1st, Please Rate My Budget & Give Advice (Minneapolis, MN)", "subreddit": "povertyfinance", "num_comments": 113, "score": 0.8280000000000001, "selftext": "Moving away from extremely religious parents and lazy siblings who take advantage of me other wise I would nvr move out. ", "url": "https://reddit.com/r/povertyfinance/comments/1qn54fz/i_have_to_move_out_by_may_1st_please_rate_my/" }, { "title": "At what % of net worth does it not make sense anymore?", "subreddit": "financialindependence", "num_comments": 61, "score": 0.8280000000000001, "selftext": "$3.5m net worth ($3m liquid, $500k rental property equity, currently renting), currently in the $500k-$600k pay range. Unlikely pay will go above that amount. I\u2019m currently getting around $6k/mo from my rentals.\n\nSpend is around $100k/yr.\n\nCulture is pretty toxic, and hours are long. Wondering at what point it makes sense to walk away? Has anyone else done a calculation as to what take-home pay should be as a percentage of net worth?\n\nAlso - if anyone is suggesting that I downshift, it\u2019s unfortu", "url": "https://reddit.com/r/financialindependence/comments/1qejo4c/at_what_of_net_worth_does_it_not_make_sense/" }, { "title": "Paid-off home in Texas would cost the same as renting in South Dakota. Am I missing something?", "subreddit": "financialindependence", "num_comments": 63, "score": 0.8220000000000001, "selftext": "My wife and I are in our mid-20s, considering starting a family, and pursuing financial independence. We\u2019re debating whether to stay in South Dakota where we rent cheaply, or move to the Houston area (Sugar Land/Missouri City) to be closer to family.\n\nCurrent situation in South Dakota:\n\n\t\u2219\tRent + utilities: ~$1,250/month\n\t\u2219\tI work remotely\n\t\u2219\tLow cost of living has let us invest aggressively\n\nWhat we\u2019re looking at in Texas:\n\nHomes around $350k. \n\nEven if we paid cash, the monthly carrying costs ", "url": "https://reddit.com/r/financialindependence/comments/1qdiox0/paidoff_home_in_texas_would_cost_the_same_as/" }, { "title": "Is renting a room still a feasible way to save money", "subreddit": "Frugal", "num_comments": 109, "score": 0.8180000000000001, "selftext": "In old movies or fictions, there were boarding houses. Women (and sometimes their families) worked there to generate income (some even rose above their stations). And people with modest means lived there to save money. \n\nIn my time, I never saw a boarding house (unless you call the univ dorms boarding house). But I did rent a room when I attended graduate school in the 80's. Between 2000 and 2015 I also saw my colleagues renting rooms, because their jobs were eliminated and in order to stay with", "url": "https://reddit.com/r/Frugal/comments/1qu195r/is_renting_a_room_still_a_feasible_way_to_save/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 26, "cross_source_count": 1, "reddit_post_count": 26, "question_signal_count": 26, "has_question_signal": true }, { "cluster_id": 34, "topics": [ { "topic_name": "Just replaced my roof and notified my insurance.", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/Insurance/comments/1qml13b/just_replaced_my_roof_and_notified_my_insurance/", "signal_type": "question" }, { "topic_name": "State Farm and Class 3 Impact Resistant Shingle", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/Insurance/comments/1r1zhg5/state_farm_and_class_3_impact_resistant_shingle/", "signal_type": "question" }, { "topic_name": "Dropped by homeowners after large claim", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/Insurance/comments/1qpoqsg/dropped_by_homeowners_after_large_claim/", "signal_type": "question" }, { "topic_name": "Does insurance cover storm damage roof repair in Florida?", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/Insurance/comments/1qjubmm/does_insurance_cover_storm_damage_roof_repair_in/", "signal_type": "question" }, { "topic_name": "Help with home insurance claim . faucet left on, house flooded while vacant , covered or denied?", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/Insurance/comments/1qrrl6d/help_with_home_insurance_claim_faucet_left_on/", "signal_type": "question" }, { "topic_name": "Getting dropped from home owners insurance at State Farm", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/Insurance/comments/1qcq5iy/getting_dropped_from_home_owners_insurance_at/", "signal_type": "question" }, { "topic_name": "Home insurance claim", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/Insurance/comments/1r1ofaj/home_insurance_claim/", "signal_type": "question" }, { "topic_name": "Economical insurance Canada \ud83c\udde8\ud83c\udde6", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/Insurance/comments/1r1n484/economical_insurance_canada/", "signal_type": "question" }, { "topic_name": "National Flood Insurance Program has lapsed", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/Insurance/comments/1qu831u/national_flood_insurance_program_has_lapsed/", "signal_type": "question" }, { "topic_name": "Can someone explain flood insurance to me like I'm 5?", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/Insurance/comments/1qq8x6o/can_someone_explain_flood_insurance_to_me_like_im/", "signal_type": "question" }, { "topic_name": "New Mexico - Home has crack in slab, was not disclosed", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/legaladvice/comments/1r2a5gz/new_mexico_home_has_crack_in_slab_was_not/", "signal_type": "question" }, { "topic_name": "Filing a claim for slab leak", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/Insurance/comments/1r181ty/filing_a_claim_for_slab_leak/", "signal_type": "question" }, { "topic_name": "Home insurance says I need to have washing machine water valves replaced.", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/Insurance/comments/1qxpxex/home_insurance_says_i_need_to_have_washing/", "signal_type": "question" }, { "topic_name": "Earthquake insurance", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/Insurance/comments/1r1h4e4/earthquake_insurance/", "signal_type": "question" }, { "topic_name": "Insurance Check Flagged by State Farm's Bank?", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/Insurance/comments/1r1czmk/insurance_check_flagged_by_state_farms_bank/", "signal_type": "question" }, { "topic_name": "(Michigan) State Farm told us that our toddler doesn't have to be listed on our insurance. Everything else I'm reading says otherwise.", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/Insurance/comments/1qhilk5/michigan_state_farm_told_us_that_our_toddler/", "signal_type": "question" }, { "topic_name": "Umbrella premium doubling this year", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/Insurance/comments/1qc2eqa/umbrella_premium_doubling_this_year/", "signal_type": "question" }, { "topic_name": "Knirps Umbrellas - Warning about warranties", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1qm0lb4/knirps_umbrellas_warning_about_warranties/", "signal_type": "question" }, { "topic_name": "Umbrella or excess liability coverage on an existing landlord policy?", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/Insurance/comments/1r1beaa/umbrella_or_excess_liability_coverage_on_an/", "signal_type": "question" }, { "topic_name": "Need a Reality Check: Is $3,200/year for $5M Umbrella Insurance Worth It?", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/financialindependence/comments/1qbbetc/need_a_reality_check_is_3200year_for_5m_umbrella/", "signal_type": "question" }, { "topic_name": "Homeowner's claim scope/estimate question", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/Insurance/comments/1qx36cu/homeowners_claim_scopeestimate_question/", "signal_type": "question" }, { "topic_name": "Umbrella Policy Questions", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/financialindependence/comments/1qaxni6/umbrella_policy_questions/", "signal_type": "question" }, { "topic_name": "Home Insurance company says they will no longer cover roof, trying to figure out how to pay for a new one.", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/personalfinance/comments/1r0nebq/home_insurance_company_says_they_will_no_longer/", "signal_type": "question" }, { "topic_name": "Fire claim + foundation issue\u2026 does this actually make sense?", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/Insurance/comments/1qlj0fc/fire_claim_foundation_issue_does_this_actually/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Just replaced my roof and notified my insurance.", "subreddit": "Insurance", "num_comments": 46, "score": 0.97, "selftext": "They knocked my rate down by $57 per year. What a great bunch of guys.", "url": "https://reddit.com/r/Insurance/comments/1qml13b/just_replaced_my_roof_and_notified_my_insurance/" }, { "title": "State Farm and Class 3 Impact Resistant Shingle", "subreddit": "Insurance", "num_comments": 3, "score": 0.948, "selftext": "Has anyone with State Farm been offered a premium discount after telling them you got a new roof with Class 3 Impact Resistant Shingle? I am debating on telling them as I have seen where sometimes insurance companies end up raising the premium if you get a new roof.", "url": "https://reddit.com/r/Insurance/comments/1r1zhg5/state_farm_and_class_3_impact_resistant_shingle/" }, { "title": "Dropped by homeowners after large claim", "subreddit": "Insurance", "num_comments": 20, "score": 0.9299999999999999, "selftext": "Posting on behalf of family. Located in Massachusetts.\n\nThey have had the same insurance company for over 45 years and never put a claim in until last April when their basement flooded due to a burst pipe. The cleanup and restoration was significant and is still ongoing\u2026 But almost finished. \n\nThey got a letter in the mail today saying their insurance company is dropping them in two months. Not fully surprising however when they called their insurance agent, she said no other company will take t", "url": "https://reddit.com/r/Insurance/comments/1qpoqsg/dropped_by_homeowners_after_large_claim/" }, { "title": "Does insurance cover storm damage roof repair in Florida?", "subreddit": "Insurance", "num_comments": 9, "score": 0.926, "selftext": "My roof got damaged in the last storm missing shingles and a small leak. Does homeowners insurance usually cover storm roof repairs here? Any tips on filing a claim or things to watch out for? Thanks!", "url": "https://reddit.com/r/Insurance/comments/1qjubmm/does_insurance_cover_storm_damage_roof_repair_in/" }, { "title": "Help with home insurance claim . faucet left on, house flooded while vacant , covered or denied?", "subreddit": "Insurance", "num_comments": 74, "score": 0.914, "selftext": "Looking for opinions/experience with homeowners insurance .\n\nMy house was temporarily empty for 3days and being prepared for listing. A cleaning company cleaned the home during very cold weather (around 8\u00b0F).\n\nThe water downstairs was not running at the time due to freezing temperatures. At some point, a pot filler ( above the stove ) appears to have been left in the on position. When temperatures rose and water service resumed, the faucet ran and caused flooding.\n\nThe flooding was discovered t", "url": "https://reddit.com/r/Insurance/comments/1qrrl6d/help_with_home_insurance_claim_faucet_left_on/" }, { "title": "Getting dropped from home owners insurance at State Farm", "subreddit": "Insurance", "num_comments": 62, "score": 0.906, "selftext": "I was just informed that I'm being dropped from my State Farm home owners coverage because of frequency of claims. In 21 I had a water issue in the upstairs of my house, in 23 I had hail, and in 25 I had a water issue in the basement. I talked to the local office to see if they can appeal it, but I feel like I should be shopping around anyway. \n\nWill these claims follow me to my next insurance company? Any other tips I should know about getting dropped and shopping around?\n\nThanks\n\nEdit: I've ta", "url": "https://reddit.com/r/Insurance/comments/1qcq5iy/getting_dropped_from_home_owners_insurance_at/" }, { "title": "Home insurance claim", "subreddit": "Insurance", "num_comments": 0, "score": 0.892, "selftext": "Question for home insurance claim. \n\nWe had a slab leak. Insurance ended up paying out 35k that includes replacement of the whole house flooring. Even the flooring that wasn\u2019t damaged. We found a very similar match to the existing flooring. The only damaged floor was in the bedrooms so the whole rest of the house in uniform. \n\nMortgage has the insurance check which was an ACV pay out with almost no depreciation held. Only $900.\n\nI don\u2019t plan on replacing the whole house flooring as it is still v", "url": "https://reddit.com/r/Insurance/comments/1r1ofaj/home_insurance_claim/" }, { "title": "Economical insurance Canada \ud83c\udde8\ud83c\udde6", "subreddit": "Insurance", "num_comments": 0, "score": 0.886, "selftext": "Hi guys do anyone knows about Economical insurance canada? Is it a good insurance ? ", "url": "https://reddit.com/r/Insurance/comments/1r1n484/economical_insurance_canada/" }, { "title": "National Flood Insurance Program has lapsed", "subreddit": "Insurance", "num_comments": 4, "score": 0.878, "selftext": "[Congressional Reauthorization for the National Flood Insurance Program | FEMA.gov](https://www.fema.gov/flood-insurance/rules-legislation/congressional-reauthorization)", "url": "https://reddit.com/r/Insurance/comments/1qu831u/national_flood_insurance_program_has_lapsed/" }, { "title": "Can someone explain flood insurance to me like I'm 5?", "subreddit": "Insurance", "num_comments": 53, "score": 0.874, "selftext": "Ok so I understand the general idea of flood insurance but what scenario would I need it and my regular homeowners policy wouldn't cover it? \n\nMy house is paid off so no mortgage company requirement. It's about $1k per year for a maximum of 250k coverage. Seems really high to me and I know some of this is regulated by FEMA", "url": "https://reddit.com/r/Insurance/comments/1qq8x6o/can_someone_explain_flood_insurance_to_me_like_im/" }, { "title": "New Mexico - Home has crack in slab, was not disclosed", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.874, "selftext": "We bought our home in March, 2023, and it was not disclosed to us there was an active class action lawsuit against the builder, and that our home had been assessed for a crack in the cement slab foundation. It basically goes all the way across the center of our slab.\n\nWe noticed it when replacing the carpet in a downstairs bedroom. The previous owners had some kind of webbing material put over it, I assume to slow the movement.\n\nNow there's significant cracking occurring in the tile in a walkway", "url": "https://reddit.com/r/legaladvice/comments/1r2a5gz/new_mexico_home_has_crack_in_slab_was_not/" }, { "title": "Filing a claim for slab leak", "subreddit": "Insurance", "num_comments": 12, "score": 0.864, "selftext": "Had a slab leak found the other day effecting a couple rooms downstairs.\n\nSo far:\n\n6k to dig tunnel under my slab\n\n1-2k for plumber to diagnose and fix the issue / replacing copper pipes\n\n5k for water restoration company to stabilize and clean (cutting drywall, removing hardwood, tiles, etc)\n\n??k for a proper restoration\n\nI was trying to avoid making a claim or reporting to my company to avoid insurance premiums or being dropped but these costs are starting to add up.\n\nI have enough in savings t", "url": "https://reddit.com/r/Insurance/comments/1r181ty/filing_a_claim_for_slab_leak/" }, { "title": "Home insurance says I need to have washing machine water valves replaced.", "subreddit": "Insurance", "num_comments": 24, "score": 0.862, "selftext": "A few months ago, my home insurance company had me take a bunch of pictures of my house and send it to them. A few days ago I got a letter saying that I need to have a licensed plumber replace the water valves that go to my washing machine. \n\nThis seems kind of silly to me because they don\u2019t look to be in that bad of shape. How often do these kinds of valves need to be replaced?\n\nI cleaned them up a bit and sent another picture to my agent. The agent got back to me and says that just one of them", "url": "https://reddit.com/r/Insurance/comments/1qxpxex/home_insurance_says_i_need_to_have_washing/" }, { "title": "Earthquake insurance", "subreddit": "Insurance", "num_comments": 1, "score": 0.858, "selftext": "What exactly does it cover and is it worth it? \n\nCurious to hear other thoughts, located in Midwest ", "url": "https://reddit.com/r/Insurance/comments/1r1h4e4/earthquake_insurance/" }, { "title": "Insurance Check Flagged by State Farm's Bank?", "subreddit": "Insurance", "num_comments": 0, "score": 0.8280000000000001, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1r1czmk/insurance_check_flagged_by_state_farms_bank/" }, { "title": "(Michigan) State Farm told us that our toddler doesn't have to be listed on our insurance. Everything else I'm reading says otherwise.", "subreddit": "Insurance", "num_comments": 37, "score": 0.8220000000000001, "selftext": "Michigan\n\nSo, I heard about the laws that says you have to list everyone you live with. In that case, it's my toddler, parents, and brother. I called up State Farm after reading about the new laws, and they were like, no, that's only if they're driving your car. (No one else besides my husband and me drive our cars, not even once). But everything I'm seeing online feels like it's saying otherwise - that even my toddler would have to be listed. \n\nWhat should I do? I am struggling to understand th", "url": "https://reddit.com/r/Insurance/comments/1qhilk5/michigan_state_farm_told_us_that_our_toddler/" }, { "title": "Umbrella premium doubling this year", "subreddit": "Insurance", "num_comments": 33, "score": 0.8200000000000001, "selftext": "I just got my renewal for my auto, home, and umbrella policies and most are down or up a bit but the $1M umbrella went from about $400/yr to $800/yr. I called the insurance company and they said that they increased the rates for all umbrella policies because claims on those policies are way up. I have no claims on any of my policies so I'm thinking about canceling the umbrella and keeping my other limits high to cover me in most cases. Thoughts? ", "url": "https://reddit.com/r/Insurance/comments/1qc2eqa/umbrella_premium_doubling_this_year/" }, { "title": "Knirps Umbrellas - Warning about warranties", "subreddit": "BuyItForLife", "num_comments": 57, "score": 0.8180000000000001, "selftext": "A warning about Knirps umbrellas. \n\nI bought one because of the good reviews and the fact that they offer such a strong warranty - which made me believe that they must offer and stand behind high quality products.\n\nWell, that's not the case. My umbrella broke after just over a year of light use. I asked them to repair or replace it per their \"worldwide warranty\" advertised on their website (see the first photo).\n\nThey confirmed that I indeed still fell under warranty (see second photo) but since", "url": "https://reddit.com/r/BuyItForLife/comments/1qm0lb4/knirps_umbrellas_warning_about_warranties/" }, { "title": "Umbrella or excess liability coverage on an existing landlord policy?", "subreddit": "Insurance", "num_comments": 3, "score": 0.8160000000000001, "selftext": "Hi all,\n\n \nWe own an old (built before 1900) townhouse in urban Philadelphia, and were able to get a landlord policy with full replacement coverage with Safeco. It was a bit of a struggle, as most big carriers would only insure for ACV instead of RCV. We wanted to get further umbrella liability coverage for the property as well, but almost all carriers seem to require bundling. For Safeco, they would have also requested us to migrate our existing Auto to them in order to get an umbrella / exces", "url": "https://reddit.com/r/Insurance/comments/1r1beaa/umbrella_or_excess_liability_coverage_on_an/" }, { "title": "Need a Reality Check: Is $3,200/year for $5M Umbrella Insurance Worth It?", "subreddit": "financialindependence", "num_comments": 78, "score": 0.812, "selftext": "My wife and I are discussing umbrella insurance, and I'd appreciate some outside perspective.\n\nOur situation:\n\n* California residents\n* Net worth: \\~$4M\n* Son (under 21) is a licensed driver on our policy\n* Current coverage: $1M umbrella with AAA\n\n**The issue:**\n\nI want to increase our umbrella coverage to $5M to better match our net worth and protect against worst-case scenarios. AAA doesn't offer policies above their current limit, so I worked with their agent to get a quote from a specialty c", "url": "https://reddit.com/r/financialindependence/comments/1qbbetc/need_a_reality_check_is_3200year_for_5m_umbrella/" }, { "title": "Homeowner's claim scope/estimate question", "subreddit": "Insurance", "num_comments": 4, "score": 0.81, "selftext": "I am a homeowner that is currently involved in an insurance claim and am facing a dilemma regarding the payout process that I would like some input on. I will try to keep it as brief as possible, but there is some background that I need to provide so my question will make sense, so apologies for the long post. Note that the details are purposely vague and the dollar amounts are generic/relative rather than exact figures for simplicity.\n\nWe had damage to our house due to a covered event requiring", "url": "https://reddit.com/r/Insurance/comments/1qx36cu/homeowners_claim_scopeestimate_question/" }, { "title": "Umbrella Policy Questions", "subreddit": "financialindependence", "num_comments": 92, "score": 0.81, "selftext": "There were recently some posts about umbrella policies to help secure your assets as they grow. Made me nervous that I do not have one. I reached out to a broker and requested a quote for a 5mil policy. He got back to me saying he could only get 1mil since I have a 17 y/o and have 1 single speeding ticket (me, not my son). He also quoted $850 a year for the policy.\n\nBoth things seem a bit crazy from what I've read. Although I am in NY and that makes things more expensive.\n\nCan someone let m", "url": "https://reddit.com/r/financialindependence/comments/1qaxni6/umbrella_policy_questions/" }, { "title": "Home Insurance company says they will no longer cover roof, trying to figure out how to pay for a new one.", "subreddit": "personalfinance", "num_comments": 169, "score": 0.808, "selftext": "My roof was replaced last in 2001 and I was recently told by my home insurance that my rate is going to go up by $1300 annually (and potentially continue to increase each year) and they sent a letter that they may no longer be able to cover me if we don\u2019t get it replaced by mid-March. We don\u2019t really have the funds to get our roof replaced right away so I am trying to figure out what we should do and how we should afford it. My wife and I are on the mortgage together and we both have credit scor", "url": "https://reddit.com/r/personalfinance/comments/1r0nebq/home_insurance_company_says_they_will_no_longer/" }, { "title": "Fire claim + foundation issue\u2026 does this actually make sense?", "subreddit": "Insurance", "num_comments": 12, "score": 0.802, "selftext": "We had a fire at an older home (100+ years old, stone/mixed masonry foundation). Insurance (State Farm) wrote a repair estimate and sent a repair\u2011based check, which I haven\u2019t cashed.\n\nMultiple local GCs have looked at it and none are willing to attempt a repair because of the age of the house and the unknowns once things get opened up.\n\nCode enforcement inspected the property and issued a report saying:\n\n\t\u2022\tThere\u2019s evidence of fire exposure to the foundation (thermal stress).\n\n\t\u2022\tThe foundation ", "url": "https://reddit.com/r/Insurance/comments/1qlj0fc/fire_claim_foundation_issue_does_this_actually/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 24, "cross_source_count": 1, "reddit_post_count": 24, "question_signal_count": 24, "has_question_signal": true }, { "cluster_id": 41, "topics": [ { "topic_name": "Why is it so hard to just say \"NO\" to subscriptions? Dark patterns are getting out of hand.", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/darkpatterns/comments/1po9zmq/why_is_it_so_hard_to_just_say_no_to_subscriptions/", "signal_type": "question" }, { "topic_name": "Cancelling Your Subscription (Guide)", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/darkpatterns/comments/1qwznke/cancelling_your_subscription_guide/", "signal_type": "question" }, { "topic_name": "BBC News don't give you an option for 'No'", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/darkpatterns/comments/1qpe7du/bbc_news_dont_give_you_an_option_for_no/", "signal_type": "question" }, { "topic_name": "Refund options on Amazon make it look like there\u2019s only two options but there\u2019s a hidden one when you select the bottom blue text.", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/darkpatterns/comments/1pqd45y/refund_options_on_amazon_make_it_look_like_theres/", "signal_type": "question" }, { "topic_name": "Took me too much to understand the options cancelling on myquiz", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/darkpatterns/comments/1pjrb8e/took_me_too_much_to_understand_the_options/", "signal_type": "question" }, { "topic_name": "Link to unsubscribe from email expires within 3 days of email receipt", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/assholedesign/comments/1q2ex8h/link_to_unsubscribe_from_email_expires_within_3/", "signal_type": "question" }, { "topic_name": "Panera Communication Preferences", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/darkpatterns/comments/1orreb3/panera_communication_preferences/", "signal_type": "question" }, { "topic_name": "Der Standard (Austrian newspaper) newsletter registration", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/darkpatterns/comments/1oesd9a/der_standard_austrian_newspaper_newsletter/", "signal_type": "question" }, { "topic_name": "Adobe pulls this \"error\" whenever you want to cancel your subscription.", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/darkpatterns/comments/1nq4jli/adobe_pulls_this_error_whenever_you_want_to/", "signal_type": "question" }, { "topic_name": "Tracking unsubscribe links", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/darkpatterns/comments/1ncm6ny/tracking_unsubscribe_links/", "signal_type": "question" }, { "topic_name": "A real 'unsubscribe' set of options. Are you exhausted yet?", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/darkpatterns/comments/1n1vnum/a_real_unsubscribe_set_of_options_are_you/", "signal_type": "question" }, { "topic_name": "Zendesk: to unsubscribe, uncheck five boxes but also check one", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/darkpatterns/comments/1m1l0q8/zendesk_to_unsubscribe_uncheck_five_boxes_but/", "signal_type": "question" }, { "topic_name": "Gmail attachments dark pattern to waste storage space", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/darkpatterns/comments/1k6zu8k/gmail_attachments_dark_pattern_to_waste_storage/", "signal_type": "question" }, { "topic_name": "SportsDirect.com using unintuitive opt out UX so people accidentally sign up for marketing emails", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/darkpatterns/comments/1ji3u5a/sportsdirectcom_using_unintuitive_opt_out_ux_so/", "signal_type": "question" }, { "topic_name": "Am I opting in or out for marketing emails? I'm so confused Wesbank South Africa", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/darkpatterns/comments/1j4qndf/am_i_opting_in_or_out_for_marketing_emails_im_so/", "signal_type": "question" }, { "topic_name": "Whoops prevents users from scrolling down to the cancellation link by stopping the scroll before it's shown, making it seem like the page has ended.", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/darkpatterns/comments/1j44jga/whoops_prevents_users_from_scrolling_down_to_the/", "signal_type": "question" }, { "topic_name": "Cancel membership - false call-to-action + success page", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/darkpatterns/comments/1j0kztz/cancel_membership_false_calltoaction_success_page/", "signal_type": "question" }, { "topic_name": "OKCupid using negative negative for newsletter signup", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/darkpatterns/comments/1iyr72y/okcupid_using_negative_negative_for_newsletter/", "signal_type": "question" }, { "topic_name": "Blink video asking to 'confirm email address' when it's actually about marketing", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/darkpatterns/comments/1i4xy4g/blink_video_asking_to_confirm_email_address_when/", "signal_type": "question" }, { "topic_name": "Messenger's \"on/off\" for notifications doesn't give an 'indefinite' option, forcing you to turn them all off individually", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/assholedesign/comments/1o2opal/messengers_onoff_for_notifications_doesnt_give_an/", "signal_type": "question" }, { "topic_name": "RTIC - Link to unsubscribe from emails is almost the same font as the background", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/darkpatterns/comments/1i20b1s/rtic_link_to_unsubscribe_from_emails_is_almost/", "signal_type": "question" }, { "topic_name": "These top two items are not actual emails and open a browser window when clicked.", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/assholedesign/comments/1nwinme/these_top_two_items_are_not_actual_emails_and/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Why is it so hard to just say \"NO\" to subscriptions? Dark patterns are getting out of hand.", "subreddit": "darkpatterns", "num_comments": 5, "score": 0.938, "selftext": "We\u2019ve all been there: trying to cancel a service, but the \"cancel\" button is hidden in a 2pt font, or you\u2019re forced through 5 pages of \"are you sure?\" prompts. It\u2019s exhausting.\n\nI\u2019m currently researching these Dark Patterns at FGV (a Brazilian research university) to understand how these manipulative designs actually impact us. If you\u2019ve ever felt tricked by a website and have 2 minutes to spare, could you help me out by answering this survey?\n\nI need to reach a broader audience to get solid dat", "url": "https://reddit.com/r/darkpatterns/comments/1po9zmq/why_is_it_so_hard_to_just_say_no_to_subscriptions/" }, { "title": "Cancelling Your Subscription (Guide)", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.982, "selftext": "Just had to go through this, absolutely ridiculous.", "url": "https://reddit.com/r/darkpatterns/comments/1qwznke/cancelling_your_subscription_guide/" }, { "title": "BBC News don't give you an option for 'No'", "subreddit": "darkpatterns", "num_comments": 6, "score": 0.964, "selftext": "https://preview.redd.it/304nxxjuw3gg1.png?width=820&format=png&auto=webp&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.", "url": "https://reddit.com/r/darkpatterns/comments/1qpe7du/bbc_news_dont_give_you_an_option_for_no/" }, { "title": "Refund options on Amazon make it look like there\u2019s only two options but there\u2019s a hidden one when you select the bottom blue text.", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.942, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1pqd45y/refund_options_on_amazon_make_it_look_like_theres/" }, { "title": "Took me too much to understand the options cancelling on myquiz", "subreddit": "darkpatterns", "num_comments": 2, "score": 0.9359999999999999, "selftext": "I think it is even just bad if someone miss clicks, then they may mistakenly cancel", "url": "https://reddit.com/r/darkpatterns/comments/1pjrb8e/took_me_too_much_to_understand_the_options/" }, { "title": "Link to unsubscribe from email expires within 3 days of email receipt", "subreddit": "assholedesign", "num_comments": 33, "score": 0.9339999999999999, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1q2ex8h/link_to_unsubscribe_from_email_expires_within_3/" }, { "title": "Panera Communication Preferences", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.914, "selftext": "The wording of these two options combined with the on/off style toggles is confusing at best at worst, it's a way to accidentally opt into SMS messaging when you're actually trying to reduce the volume of stuff they send you! \n\n[panerabread.com communication preferences screenshot](https://preview.redd.it/qjhd24ebr10g1.png?width=1750&format=png&auto=webp&s=de19064b658c972a753ed7bfd6e52a18d75b291f)\n\n", "url": "https://reddit.com/r/darkpatterns/comments/1orreb3/panera_communication_preferences/" }, { "title": "Der Standard (Austrian newspaper) newsletter registration", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.91, "selftext": "This shows up when registering for an account with the newspaper's website. From the corner of my eye, I saw that the checkbox label said something about \"E-Mail\" and, of course, by muscle memory left it unchecked. I had already sent the the form before I noticed what the text actually says. It roughly reads:\n\n\"I forgo being informed about editorial content, news and products by Der Standard via e-mail \\[\u2026\\]\"", "url": "https://reddit.com/r/darkpatterns/comments/1oesd9a/der_standard_austrian_newspaper_newsletter/" }, { "title": "Adobe pulls this \"error\" whenever you want to cancel your subscription.", "subreddit": "darkpatterns", "num_comments": 2, "score": 0.896, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1nq4jli/adobe_pulls_this_error_whenever_you_want_to/" }, { "title": "Tracking unsubscribe links", "subreddit": "darkpatterns", "num_comments": 4, "score": 0.89, "selftext": "https://preview.redd.it/ee32z6qtr5of1.png?width=698&format=png&auto=webp&s=01fb436428c9931c95e4e02dc10b03df794f3a53\n\n", "url": "https://reddit.com/r/darkpatterns/comments/1ncm6ny/tracking_unsubscribe_links/" }, { "title": "A real 'unsubscribe' set of options. Are you exhausted yet?", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.886, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1n1vnum/a_real_unsubscribe_set_of_options_are_you/" }, { "title": "Zendesk: to unsubscribe, uncheck five boxes but also check one", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.872, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1m1l0q8/zendesk_to_unsubscribe_uncheck_five_boxes_but/" }, { "title": "Gmail attachments dark pattern to waste storage space", "subreddit": "darkpatterns", "num_comments": 6, "score": 0.85, "selftext": "When attachments are received, two buttons are available - one to download, and one to 'add to drive'. Both buttons click regions overlap each other, but the 'add to drive' button is higher in the DOM, so clicking anywhere in its click region triggers it, even if your mouse is literally over top of the download button.\n\nWorse yet, clicking the 'add to drive' button adds it to your drive immediately, no prompt, and no quick undo button. To delete the file, you have to manually go in Drive, find w", "url": "https://reddit.com/r/darkpatterns/comments/1k6zu8k/gmail_attachments_dark_pattern_to_waste_storage/" }, { "title": "SportsDirect.com using unintuitive opt out UX so people accidentally sign up for marketing emails", "subreddit": "darkpatterns", "num_comments": 2, "score": 0.846, "selftext": "https://preview.redd.it/c59wt0hbzgqe1.png?width=1356&format=png&auto=webp&s=c5160cf3f6aeedce70d7a6abd8dc4c34b8a02dc1\n\n", "url": "https://reddit.com/r/darkpatterns/comments/1ji3u5a/sportsdirectcom_using_unintuitive_opt_out_ux_so/" }, { "title": "Am I opting in or out for marketing emails? I'm so confused Wesbank South Africa", "subreddit": "darkpatterns", "num_comments": 2, "score": 0.838, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1j4qndf/am_i_opting_in_or_out_for_marketing_emails_im_so/" }, { "title": "Whoops prevents users from scrolling down to the cancellation link by stopping the scroll before it's shown, making it seem like the page has ended.", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.836, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1j44jga/whoops_prevents_users_from_scrolling_down_to_the/" }, { "title": "Cancel membership - false call-to-action + success page", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.834, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1j0kztz/cancel_membership_false_calltoaction_success_page/" }, { "title": "OKCupid using negative negative for newsletter signup", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.83, "selftext": "https://preview.redd.it/8j8wvkc2dile1.png?width=1108&format=png&auto=webp&s=13f6322d32ad6a50ea5d0dfeb7671f10ea73ef0e\n\n", "url": "https://reddit.com/r/darkpatterns/comments/1iyr72y/okcupid_using_negative_negative_for_newsletter/" }, { "title": "Blink video asking to 'confirm email address' when it's actually about marketing", "subreddit": "darkpatterns", "num_comments": 1, "score": 0.8180000000000001, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1i4xy4g/blink_video_asking_to_confirm_email_address_when/" }, { "title": "Messenger's \"on/off\" for notifications doesn't give an 'indefinite' option, forcing you to turn them all off individually", "subreddit": "assholedesign", "num_comments": 28, "score": 0.8160000000000001, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1o2opal/messengers_onoff_for_notifications_doesnt_give_an/" }, { "title": "RTIC - Link to unsubscribe from emails is almost the same font as the background", "subreddit": "darkpatterns", "num_comments": 5, "score": 0.8140000000000001, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1i20b1s/rtic_link_to_unsubscribe_from_emails_is_almost/" }, { "title": "These top two items are not actual emails and open a browser window when clicked.", "subreddit": "assholedesign", "num_comments": 101, "score": 0.804, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1nwinme/these_top_two_items_are_not_actual_emails_and/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 22, "cross_source_count": 1, "reddit_post_count": 22, "question_signal_count": 22, "has_question_signal": true }, { "cluster_id": 64, "topics": [ { "topic_name": "Is this an insurance scam?", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/Insurance/comments/1qianrc/is_this_an_insurance_scam/", "signal_type": "question" }, { "topic_name": "Read ended by an uninsured driver", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/Insurance/comments/1r2byqw/read_ended_by_an_uninsured_driver/", "signal_type": "question" }, { "topic_name": "Insurance adjuster for another driver has determined my sister is at fault for an accident she was not involved in.", "source": "reddit", "region": "global", "score": 0.992, "url": "https://reddit.com/r/Insurance/comments/1qqiamj/insurance_adjuster_for_another_driver_has/", "signal_type": "question" }, { "topic_name": "Got in an accident and", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/Insurance/comments/1r27yk7/got_in_an_accident_and/", "signal_type": "question" }, { "topic_name": "Double Car Insurance Claim", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/Insurance/comments/1qfslws/double_car_insurance_claim/", "signal_type": "question" }, { "topic_name": "Progressive forcing me to scrap my car", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/Insurance/comments/1qnk8ej/progressive_forcing_me_to_scrap_my_car/", "signal_type": "question" }, { "topic_name": "Accident with no damage to other vehicle, what's going to happen to my insurance?", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/Insurance/comments/1r23drt/accident_with_no_damage_to_other_vehicle_whats/", "signal_type": "question" }, { "topic_name": "Can other party's insurance force me to retain vehicle? Not at fault Vehicle Total Loss -", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/Insurance/comments/1qu56j3/can_other_partys_insurance_force_me_to_retain/", "signal_type": "question" }, { "topic_name": "Should I contact my own insurance for a lien waiver before signing my claim settlement offer?", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/Insurance/comments/1r22cm2/should_i_contact_my_own_insurance_for_a_lien/", "signal_type": "question" }, { "topic_name": "Can I recover transportation costs due to insurance delays?", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/Insurance/comments/1r210hm/can_i_recover_transportation_costs_due_to/", "signal_type": "question" }, { "topic_name": "Raising Premiums", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/Insurance/comments/1r28ymo/raising_premiums/", "signal_type": "question" }, { "topic_name": "Insurance not paying approved claim", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/legaladvice/comments/1r2cogd/insurance_not_paying_approved_claim/", "signal_type": "question" }, { "topic_name": "AllState is saying I owe for an auto policy that was supposed to be cancelled.", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/Insurance/comments/1qjf2ur/allstate_is_saying_i_owe_for_an_auto_policy_that/", "signal_type": "question" }, { "topic_name": "Made a mistake selecting deductibles", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/Insurance/comments/1qwc0ny/made_a_mistake_selecting_deductibles/", "signal_type": "question" }, { "topic_name": "Auto claim deductible recovery", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/Insurance/comments/1r1fgac/auto_claim_deductible_recovery/", "signal_type": "question" }, { "topic_name": "At-fault insurer won\u2019t release full payment unless I use a shop", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/Insurance/comments/1qimaff/atfault_insurer_wont_release_full_payment_unless/", "signal_type": "question" }, { "topic_name": "Can I open a car insurance policy if I don't own the car but live in the same household with the owner?", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/Insurance/comments/1qexde5/can_i_open_a_car_insurance_policy_if_i_dont_own/", "signal_type": "question" }, { "topic_name": "Cancellation for Car Insurance", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/Insurance/comments/1qof89s/cancellation_for_car_insurance/", "signal_type": "question" }, { "topic_name": "Insurance cancelled my policy for non-payment while owing me a refund - then I had an accident. Am I screwed?", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/Insurance/comments/1qo25xw/insurance_cancelled_my_policy_for_nonpayment/", "signal_type": "question" }, { "topic_name": "I was in an accident, not sure how to approach insurance", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/Insurance/comments/1r1cifi/i_was_in_an_accident_not_sure_how_to_approach/", "signal_type": "question" }, { "topic_name": "Anyone been to American Transit Insurance\u2019s Freeport office in person\u2014do they actually have staff there, and is it easier to get help than calling?", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/Insurance/comments/1r1bgmd/anyone_been_to_american_transit_insurances/", "signal_type": "question" }, { "topic_name": "Strong Evidence in Fender-Bender, But At-Fault Insurer Can\u2019t Reach Their Driver, Will They Still Pay?", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/Insurance/comments/1qo37ve/strong_evidence_in_fenderbender_but_atfault/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Is this an insurance scam?", "subreddit": "Insurance", "num_comments": 33, "score": 0.854, "selftext": "I\u2019ve been receiving voicemails from an insurance company (a small one that gets poor reviews from policyholders) stating that my vehicle has been in an accident with one of their customers. They are using my full name, and are leaving their name, number, and a claim number, asking for a call back.\n\nI\u2019ve scoured my vehicle for any damage and can\u2019t find any. I have no recollection of an accident/fender bender/scrape or even a close call.\n\nI haven\u2019t answered or called back because the calls, when t", "url": "https://reddit.com/r/Insurance/comments/1qianrc/is_this_an_insurance_scam/" }, { "title": "Read ended by an uninsured driver", "subreddit": "Insurance", "num_comments": 5, "score": 0.996, "selftext": "Hey everyone, i was rear ended a couple weeks ago, immediately put in the claim through my insurance, provided the policy number the other party had given me without realizing it was expired / they\u2019re no longer insured by that company. Both our cars were minimally damaged and we were both okay so we did not call the police or make a report. Just exchanged information and moved on since it was rush hour and we were in busy tunnel. I don\u2019t know what to do from here. ", "url": "https://reddit.com/r/Insurance/comments/1r2byqw/read_ended_by_an_uninsured_driver/" }, { "title": "Insurance adjuster for another driver has determined my sister is at fault for an accident she was not involved in.", "subreddit": "Insurance", "num_comments": 111, "score": 0.992, "selftext": "This is not my story, I\u2019m posting on behalf of my sister who would like to remain anonymous. If you have any questions I will forward them to her, I have also given her the link to this post so she can see your comments. This takes place in the state of Missouri \n\nMy sister was driving down the highway a month ago when suddenly traffic came to a dead stop from going about 60mph. She swerved to get out of the way and did not hit anything however the car behind her slammed into the back of the sto", "url": "https://reddit.com/r/Insurance/comments/1qqiamj/insurance_adjuster_for_another_driver_has/" }, { "title": "Got in an accident and", "subreddit": "Insurance", "num_comments": 6, "score": 0.96, "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", "url": "https://reddit.com/r/Insurance/comments/1r27yk7/got_in_an_accident_and/" }, { "title": "Double Car Insurance Claim", "subreddit": "Insurance", "num_comments": 43, "score": 0.96, "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 ", "url": "https://reddit.com/r/Insurance/comments/1qfslws/double_car_insurance_claim/" }, { "title": "Progressive forcing me to scrap my car", "subreddit": "Insurance", "num_comments": 46, "score": 0.952, "selftext": "I need help with dealing with an insurance company that wants to scrap my car against my will. The cars has already been repaired and released to me and few weeks later insurance called me and stated that they want the car back and they will scrap it because they made a mistake in calculations of repair value versus car value. Would you be able to help me with that?", "url": "https://reddit.com/r/Insurance/comments/1qnk8ej/progressive_forcing_me_to_scrap_my_car/" }, { "title": "Accident with no damage to other vehicle, what's going to happen to my insurance?", "subreddit": "Insurance", "num_comments": 2, "score": 0.94, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1r23drt/accident_with_no_damage_to_other_vehicle_whats/" }, { "title": "Can other party's insurance force me to retain vehicle? Not at fault Vehicle Total Loss -", "subreddit": "Insurance", "num_comments": 32, "score": 0.938, "selftext": "My car was hit by another driver, I am not at fault. The vehicle is a total loss. \n\n1- The other party's insurance is saying they only offer owner retained - they never retain the vehicle. They gave me a total loss claim that included a confirmed bid from an auction house and want me to call the auction house and manage process for that (and they reduce their payment by the auction house's amount). \n\n \nI am telling them I want no part of doing owner retained and they can manage the salvage yard", "url": "https://reddit.com/r/Insurance/comments/1qu56j3/can_other_partys_insurance_force_me_to_retain/" }, { "title": "Should I contact my own insurance for a lien waiver before signing my claim settlement offer?", "subreddit": "Insurance", "num_comments": 5, "score": 0.9359999999999999, "selftext": "Got struck be a vehicle, other driver at fault. Being offered full amount of medical bills in my settlement amount from At-Fault\u2019s insurance. Wondering if I should call my medical insurance first to inquire about what my subrogation amount may be before signing? is that advised? They accepted claims for my ER visit at the time. Total charges are below $10k and my medical paid less than $4k.", "url": "https://reddit.com/r/Insurance/comments/1r22cm2/should_i_contact_my_own_insurance_for_a_lien/" }, { "title": "Can I recover transportation costs due to insurance delays?", "subreddit": "Insurance", "num_comments": 7, "score": 0.9339999999999999, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1r210hm/can_i_recover_transportation_costs_due_to/" }, { "title": "Raising Premiums", "subreddit": "Insurance", "num_comments": 7, "score": 0.914, "selftext": "Hi,\n\nI\u2019m definitely not a lawyer, but I was hoping someone could answer this. Is it illegal for an insurance company to raise their premiums? I bought a secondary insurance plan when I financed my car that I haven\u2019t missed a single payment on, nor have I even used it and today I get a letter in the mail telling me they \u201c\u2026won\u2019t be able to honor the service contract pricing designed specifically for your vehicle.\u201d Is this a breach of contract? What are my legal options to fight this? \n\n \nThanks", "url": "https://reddit.com/r/Insurance/comments/1r28ymo/raising_premiums/" }, { "title": "Insurance not paying approved claim", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.91, "selftext": "Location: Switzerland / Massachusetts USA, where I purchased a ski pass online with insurance through Europ Assist (Location: Switzerland).\n\nI was skiing in Switzerland and got into an accident where I needed medical attention in Jan 2025. I submitted my claim and it was approved in June 13 2025 and I provided all of the required banking details to have them pay the claim. There has been a lot of back and forth, they claim technical difficulties but have been unable to provide any evidence that ", "url": "https://reddit.com/r/legaladvice/comments/1r2cogd/insurance_not_paying_approved_claim/" }, { "title": "AllState is saying I owe for an auto policy that was supposed to be cancelled.", "subreddit": "Insurance", "num_comments": 45, "score": 0.896, "selftext": "To start, I am a relatively new driver (1.5 years) and not experienced dealing with insurance.\n\nRecently I received a text for a collections agency saying I owe allstate \\~$1300. I called agency and allstate to confirm why I have this balance.\n\nAllstate say they covered me from may to nov. During may to nov, I was covered by a different local auto insurance. When I was purchasing the new policy, my insurance agent said they will reach out to allstate and cancel my policy (in may).\n\nI have gone b", "url": "https://reddit.com/r/Insurance/comments/1qjf2ur/allstate_is_saying_i_owe_for_an_auto_policy_that/" }, { "title": "Made a mistake selecting deductibles", "subreddit": "Insurance", "num_comments": 10, "score": 0.884, "selftext": "I just financed a car on Monday. They told me that I had three days to get full coverage insurance on the vehicle . I went ahead and got a plan on Monday, but selected too high of a deductible. I was unaware that I signed something saying that I would not exceed any deductible amount past 500 on comprehensive and collision. After finding said paperwork i immediately adjusted my coverage. GEICO told me that it would take 7 days to be put into effect. How bad did I mess up? Im worried about forced", "url": "https://reddit.com/r/Insurance/comments/1qwc0ny/made_a_mistake_selecting_deductibles/" }, { "title": "Auto claim deductible recovery", "subreddit": "Insurance", "num_comments": 3, "score": 0.876, "selftext": "Back in November i was in an accident where the other driver was at fault. I have dash footage, police report, etc. My insurance found her at fault and covered my damages except for a $500 deductible, which they then tried to recover. I heard back from my insurance today and they said they were \u201cunable to collect from the responsible party\u201d and their attorney will be sending me a letter to sign so they can \u201cinclude my deductible.\u201d\n\nWhat does this mean? Obviously she ghosted her insurance, which ", "url": "https://reddit.com/r/Insurance/comments/1r1fgac/auto_claim_deductible_recovery/" }, { "title": "At-fault insurer won\u2019t release full payment unless I use a shop", "subreddit": "Insurance", "num_comments": 27, "score": 0.872, "selftext": "I\u2019m dealing with a third-party auto claim (they insure the driver who hit me, this is not my insurance).\n\nImportant detail: I fully own the vehicle and hold the title in my name. There is no lienholder.\n\n**Here\u2019s what\u2019s happening:**\n\n \u2022\taccepted liability\n \n \u2022\tI took my car to one of in-network body shops\n \n \u2022\tThe shop provided an estimate\n \n \u2022\tlater claimed the estimate was \u201cnot done correctly\u201d\n \n \u2022\tInstead of properly revising it, issued only a partial payment to me", "url": "https://reddit.com/r/Insurance/comments/1qimaff/atfault_insurer_wont_release_full_payment_unless/" }, { "title": "Can I open a car insurance policy if I don't own the car but live in the same household with the owner?", "subreddit": "Insurance", "num_comments": 45, "score": 0.84, "selftext": "Ohio:\n\nTldr; \n\nI dirve my mother's car, she is threatening to take me off the car insurance policy that I pay for and I do not have the means to get another car currently. Is it possible to open a new car insurance policy on a car that I do not own? Who would be legally/financially liable if I were to get in an accident while driving her car if uninsured, me or her?\n\n\nHello, I live at home with my mother and she has not had a job since I graduated highschool. I work part time while putting mysel", "url": "https://reddit.com/r/Insurance/comments/1qexde5/can_i_open_a_car_insurance_policy_if_i_dont_own/" }, { "title": "Cancellation for Car Insurance", "subreddit": "Insurance", "num_comments": 12, "score": 0.8280000000000001, "selftext": "A month ago, I was in an accident where the third party was liable, and I claimed directly through their insurance. I notified my insurance about the incident, but I made it very clear that I did not want to make a claim (with them). My car has since been written off, and I\u2019m trying to cancel my insurance. I pay monthly, and I was expecting a cancellation fee, but my insurance is saying that I\u2019m required to pay off the outstanding balance because I \u2018have claimed on my policy\u2019. I never claimed on", "url": "https://reddit.com/r/Insurance/comments/1qof89s/cancellation_for_car_insurance/" }, { "title": "Insurance cancelled my policy for non-payment while owing me a refund - then I had an accident. Am I screwed?", "subreddit": "Insurance", "num_comments": 58, "score": 0.8260000000000001, "selftext": "I\u2019ve been with my auto insurer for 10 years - never filed a claim, never missed a payment until this. My bank account overdrafted and I missed a premium payment. I got notifications and called their automated system and paid what I thought was the missing payment. Turns out that only covered the \u201cowed amount\u201d and didn\u2019t actually reinstate my policy - I didn\u2019t realize this.\n\nA few weeks later I get in a fender bender and I\u2019m at fault. I call my insurer to file a claim and they tell me I don\u2019t hav", "url": "https://reddit.com/r/Insurance/comments/1qo25xw/insurance_cancelled_my_policy_for_nonpayment/" }, { "title": "I was in an accident, not sure how to approach insurance", "subreddit": "Insurance", "num_comments": 11, "score": 0.8240000000000001, "selftext": "I just got into an accident (in Colorado), we exchanged information, no injuries. We were both going straight, she turned in from a main road into the shopping center area and I was going straight from another direction. Neither of us had stop signs but my road was more like a parking lot and I wasn't paying great attention and hit her side. I got off the phone with geico and they are saying it's not my fault, and I got a claim letter that says the same. I have $1000 collision deductible. I'm no", "url": "https://reddit.com/r/Insurance/comments/1r1cifi/i_was_in_an_accident_not_sure_how_to_approach/" }, { "title": "Anyone been to American Transit Insurance\u2019s Freeport office in person\u2014do they actually have staff there, and is it easier to get help than calling?", "subreddit": "Insurance", "num_comments": 0, "score": 0.8180000000000001, "selftext": "Since I can\u2019t reach American Transit Insurance by phone, would it be better to go to their office in person to ask whether they will assign an attorney for my lawsuit?", "url": "https://reddit.com/r/Insurance/comments/1r1bgmd/anyone_been_to_american_transit_insurances/" }, { "title": "Strong Evidence in Fender-Bender, But At-Fault Insurer Can\u2019t Reach Their Driver, Will They Still Pay?", "subreddit": "Insurance", "num_comments": 12, "score": 0.804, "selftext": "Hey everyone,\n\nI was recently backed into by another driver in the parking ramp. The at-fault driver **is insured**. It\u2019s been 7 **days** since I reported the claim. They didn't get my insurance \n\nI have:\n\n* A neutral witness who saw immediate aftermath of the scene and the at-fault driver screaming she didn't see me when she backed into me \n* **Photos and video** of the damage and scene\n* Impact consistent with them backing into my bumper (I have a punched-in dent on front bumper and broken hea", "url": "https://reddit.com/r/Insurance/comments/1qo37ve/strong_evidence_in_fenderbender_but_atfault/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 22, "cross_source_count": 1, "reddit_post_count": 22, "question_signal_count": 22, "has_question_signal": true }, { "cluster_id": 28, "topics": [ { "topic_name": "Research article analyzing Reddit discussion about scams", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/Scams/comments/1p61v0m/research_article_analyzing_reddit_discussion/", "signal_type": "question" }, { "topic_name": "I was sent a dm request by two scammers selling fake Ai art", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/Scams/comments/1r2bx3c/i_was_sent_a_dm_request_by_two_scammers_selling/", "signal_type": "question" }, { "topic_name": "Scam posts on city subreddits claiming to need insulin with titles like \"24f trying to keep things together\"", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/Scams/comments/1qxu6qx/scam_posts_on_city_subreddits_claiming_to_need/", "signal_type": "question" }, { "topic_name": "[US] Can someone explain this \"High Ticket, Remote Sales\" Instagram Scam?", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/Scams/comments/1r1q60p/us_can_someone_explain_this_high_ticket_remote/", "signal_type": "question" }, { "topic_name": "[FI] Is this a feet pic scam?", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/Scams/comments/1r217k8/fi_is_this_a_feet_pic_scam/", "signal_type": "question" }, { "topic_name": "Art commission scam on Instagram", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/Scams/comments/1r1qdt3/art_commission_scam_on_instagram/", "signal_type": "question" }, { "topic_name": "Reddit allows promoting literal scams", "source": "reddit", "region": "global", "score": 0.894, "url": "https://reddit.com/r/assholedesign/comments/1pep2ye/reddit_allows_promoting_literal_scams/", "signal_type": "question" }, { "topic_name": "[US] I fell for an Instagram scam", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/Scams/comments/1qfuo8w/us_i_fell_for_an_instagram_scam/", "signal_type": "question" }, { "topic_name": "Scam or legit? Help!", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/Scams/comments/1r1pin8/scam_or_legit_help/", "signal_type": "question" }, { "topic_name": "[US] FL Tattoo artist scamming for tattoo models", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/Scams/comments/1r109mp/us_fl_tattoo_artist_scamming_for_tattoo_models/", "signal_type": "question" }, { "topic_name": "Found a scam website https://tryluno.shop/?country=US", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/Scams/comments/1r16f81/found_a_scam_website_httpstrylunoshopcountryus/", "signal_type": "question" }, { "topic_name": "Art scam alert from fake Sotheby's", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/Scams/comments/1r0467p/art_scam_alert_from_fake_sothebys/", "signal_type": "question" }, { "topic_name": "(US) I nearly fell for a Muse scam on TikTok", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/Scams/comments/1qx9r0e/us_i_nearly_fell_for_a_muse_scam_on_tiktok/", "signal_type": "question" }, { "topic_name": "A scam using dark pattern on multiple France famous websites (even some related to governement)", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/darkpatterns/comments/1hylaev/a_scam_using_dark_pattern_on_multiple_france/", "signal_type": "question" }, { "topic_name": "Can mods ban the scumbag bedframe company who posts here constantly?", "source": "reddit", "region": "global", "score": 0.992, "url": "https://reddit.com/r/BuyItForLife/comments/1qcyb1m/can_mods_ban_the_scumbag_bedframe_company_who/", "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", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/assholedesign/comments/1qfihvp/if_an_account_is_impersonating_someone_on/", "signal_type": "question" }, { "topic_name": "Diamond Global real or fake? https://adkdiamondglobal.mobirisesite.com/#", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/Scams/comments/1r258jy/diamond_global_real_or_fake/", "signal_type": "question" }, { "topic_name": "[EU] How do you properly vet Instagram wholesalers before placing orders?", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/Scams/comments/1r21ch0/eu_how_do_you_properly_vet_instagram_wholesalers/", "signal_type": "question" }, { "topic_name": "I know this may be a huge red flag- but should I give my email adresss ?", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/Scams/comments/1r1ddzp/i_know_this_may_be_a_huge_red_flag_but_should_i/", "signal_type": "question" }, { "topic_name": "do i trust these giant giveaways from a smaller youtuber?", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/Scams/comments/1r0nwin/do_i_trust_these_giant_giveaways_from_a_smaller/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Research article analyzing Reddit discussion about scams", "subreddit": "Scams", "num_comments": 23, "score": 0.998, "selftext": "TL;DR: We wrote an article about Reddit discussion about scams, including on r/Scams . Read it for free here: [https://dl.acm.org/doi/10.1145/3719027.3765030](https://dl.acm.org/doi/10.1145/3719027.3765030).\n\nHi everyone! I\u2019m Elijah Bouma-Sims, a PhD candidate at Carnegie Mellon University. My research focuses on understanding why people fall victim to online scams and exploring ways to prevent such crimes.\n\nI am writing to share a recent article I wrote, focused on Reddit discussion about scams", "url": "https://reddit.com/r/Scams/comments/1p61v0m/research_article_analyzing_reddit_discussion/" }, { "title": "I was sent a dm request by two scammers selling fake Ai art", "subreddit": "Scams", "num_comments": 5, "score": 0.982, "selftext": "&#x200B;\n\nI am used to these scams from discord but it has been a while since I was contacted by a scammer selling fake Ai art .\n\nI posted a transformers image on /r/transformers/ and got two in a row.\n\nSame script almost.\n\nThey start with asking how you are doing.\n\nThey then ask if you like digital art \n\nThey introduce themselves as small artists \n\nThey show you a few art samples.\n\nVery amaturish art to be honest. See fan art done better .\n\nThey ask if they can do a small commission for yo", "url": "https://reddit.com/r/Scams/comments/1r2bx3c/i_was_sent_a_dm_request_by_two_scammers_selling/" }, { "title": "Scam posts on city subreddits claiming to need insulin with titles like \"24f trying to keep things together\"", "subreddit": "Scams", "num_comments": 36, "score": 0.964, "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", "url": "https://reddit.com/r/Scams/comments/1qxu6qx/scam_posts_on_city_subreddits_claiming_to_need/" }, { "title": "[US] Can someone explain this \"High Ticket, Remote Sales\" Instagram Scam?", "subreddit": "Scams", "num_comments": 24, "score": 0.9319999999999999, "selftext": "I am sick and tired of seeing these phony \"influencers\" on Instagram promote their \"high ticket, remote sales\" course that has completely transformed their lives and granted them high six-figure per-month salaries while being able to work from anywhere in the world, like a digital nomad.\n\nIt is usually a young attractive woman in her 20s with a few hundred thousand IG followers. Seriously, what is this scam and who even is falling for this BS to begin with?", "url": "https://reddit.com/r/Scams/comments/1r1q60p/us_can_someone_explain_this_high_ticket_remote/" }, { "title": "[FI] Is this a feet pic scam?", "subreddit": "Scams", "num_comments": 13, "score": 0.91, "selftext": "Okay so I got a dm from someone with no followers or posts and a new account (\ud83d\udea9) asking for 2-3 feet pics a day for $1000 a week, which ofc seems too good to be true, plus this person has a lot of spelling errors and grammatically incorrect sentences.\n\nIn short they asked if paypal or direct bank payment is okay and if I want the money upfront or after I send the pics, and he asked if we can talk on telegram but I said I don\u2019t have it and he didn\u2019t push it any further.\n\nIs there any way I can ge", "url": "https://reddit.com/r/Scams/comments/1r217k8/fi_is_this_a_feet_pic_scam/" }, { "title": "Art commission scam on Instagram", "subreddit": "Scams", "num_comments": 6, "score": 0.9, "selftext": "This is a reupload because the original got taken down- I got a new follower yesterday. The account looked a little sketchy, having no posts, no commission prices etc, but I followed them back anyways. Not even 5 minutes later they texted me asking if I want to commission them, and when I asked for examples, they sent me images from Google and R34 \ud83d\ude2d Not that the first giveaway was the extremely inconsistent art style (some people do struggle with that but this one was REALLY obvious) and the shi", "url": "https://reddit.com/r/Scams/comments/1r1qdt3/art_commission_scam_on_instagram/" }, { "title": "Reddit allows promoting literal scams", "subreddit": "assholedesign", "num_comments": 211, "score": 0.894, "selftext": "I've seen these posts for several months now, and it seems that they're not being removed even after multiple reports. The scam is about Elon Musk's new cryptocurrency AI or algorithm depending on the post.", "url": "https://reddit.com/r/assholedesign/comments/1pep2ye/reddit_allows_promoting_literal_scams/" }, { "title": "[US] I fell for an Instagram scam", "subreddit": "Scams", "num_comments": 20, "score": 0.892, "selftext": "As the title suggests, I fell for an Instagram scam. I'm a young adult but I'm pretty off-grid, so I rarely use Instagram unless it's to look at my friend's stories. I also have gullible and naive written on my forehead so I try really hard to look out for scams, but it definitely did not work this time. They basically impersonated my old friend using really Gen-Z lingo to help them get back into their main account, so I gave them my number but instead of asking for the link, they pivoted and as", "url": "https://reddit.com/r/Scams/comments/1qfuo8w/us_i_fell_for_an_instagram_scam/" }, { "title": "Scam or legit? Help!", "subreddit": "Scams", "num_comments": 10, "score": 0.878, "selftext": "Hi,\n\nI am an artist using instagram with a small account (around 6k followers) and i just contacted supposedly by Meta to get the blue verification, which is not the same as Meta verified. The email seems legit but it did put me a bit off and usually I am a bit paranoid with these things, specially considering how small my following is.\n\nThe headline is lnstagram Verification #7852604 and the email [meta@aboutverifyportal.com](mailto:meta@aboutverifyportal.com)\n\nAt the end of the email there is", "url": "https://reddit.com/r/Scams/comments/1r1pin8/scam_or_legit_help/" }, { "title": "[US] FL Tattoo artist scamming for tattoo models", "subreddit": "Scams", "num_comments": 1, "score": 0.85, "selftext": "Hello, just wanted to bring attention to this scammer that I booked an appointment with and sent payment to. I\u2019ve already been acknowledged that I\u2019m not likely going to get my money back, as being block on instagram and probably on chime too. I just want to spread awareness to not send money over through a service without doing a FULL background. Thankfully it was only just a $100. I\u2019m not sure if it\u2019s actually them in the profile pic and their real name, but their profile seemed legit at first,", "url": "https://reddit.com/r/Scams/comments/1r109mp/us_fl_tattoo_artist_scamming_for_tattoo_models/" }, { "title": "Found a scam website https://tryluno.shop/?country=US", "subreddit": "Scams", "num_comments": 7, "score": 0.842, "selftext": "soooo I kept seeing ads on Instagram for this iPad like mp3 player called Luno and after about the 10th time I folded and went on the site. now in hindsight there were alot of red flags that I kinda ignored which yea is my bad. like the \"new years sale - ends at midnight\" that was still on in February, or the \"Luno classic\" mp3 player that was show in pictures as a INNIOASIS \ud83d\ude11 so yea I ordered the 2x option for $129.99 which included an SD card and a subscription they didnt tell me about until a", "url": "https://reddit.com/r/Scams/comments/1r16f81/found_a_scam_website_httpstrylunoshopcountryus/" }, { "title": "Art scam alert from fake Sotheby's", "subreddit": "Scams", "num_comments": 11, "score": 0.8220000000000001, "selftext": "I just got this email from \"Sotheby's\". Very flattering language. AI in the wrong hands is evil.\n\nI'm sure this would've turned into a fake-check style scam. \n\nEdit: the email came from Sothebyartauction@gmail or something like that. \n \n\"At Sotheby\u2019s, we are guided by a deep conviction in the transformative power of art and culture. It is within this vision that we continually seek out creative minds whose mastery and originality merit the global stage of our auction events.\n\nIn my role as Auct", "url": "https://reddit.com/r/Scams/comments/1r0467p/art_scam_alert_from_fake_sothebys/" }, { "title": "(US) I nearly fell for a Muse scam on TikTok", "subreddit": "Scams", "num_comments": 11, "score": 0.8140000000000001, "selftext": "(Kept the story brief to avoid making this post obnoxiously long)\n\nTHANK FUCK I googled the iffy feeling situation I was in a few hours ago and found a relevant post on this sub-reddit.\n\n\nSomeone on tiktok messaged me asking to use my pic for an art commission which I was apparently gonna get paid $300 for. (Thought that was a bit odd, but went with it) \n\nI texted with the \"client\" for a bit where their english wasn't great and they were impatient as heck.The \"client\" emailed me a check for the ", "url": "https://reddit.com/r/Scams/comments/1qx9r0e/us_i_nearly_fell_for_a_muse_scam_on_tiktok/" }, { "title": "A scam using dark pattern on multiple France famous websites (even some related to governement)", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.808, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1hylaev/a_scam_using_dark_pattern_on_multiple_france/" }, { "title": "Can mods ban the scumbag bedframe company who posts here constantly?", "subreddit": "BuyItForLife", "num_comments": 248, "score": 0.992, "selftext": "And flood the replies with the same fake bullshit? \"wE hAVe SucH WilD SeX anD It DoeSnt BreAk\". What a truly scumbag company. Is this literally the only way you can sell your 3000 bedframe? ", "url": "https://reddit.com/r/BuyItForLife/comments/1qcyb1m/can_mods_ban_the_scumbag_bedframe_company_who/" }, { "title": "If an account is impersonating someone on Instagram you can only report them as such if they have an Instagram account", "subreddit": "assholedesign", "num_comments": 51, "score": 0.97, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1qfihvp/if_an_account_is_impersonating_someone_on/" }, { "title": "Diamond Global real or fake? https://adkdiamondglobal.mobirisesite.com/#", "subreddit": "Scams", "num_comments": 5, "score": 0.9339999999999999, "selftext": "I started my first GoFundMe. I keep getting messages about how long my campaign has been up and If I can discuss better ways to reach and interact with different audiences. I\u2019m very skeptical. The person who messaged me was on TikTok and it started off as general conversation. She referred me to this website saying this company helped them and they started getting donations within 24 hours.\n\nTranscript:\n\n\\- TikTok user: If you want, I can give you their contact. They\u2019re called ADK Diamond Global", "url": "https://reddit.com/r/Scams/comments/1r258jy/diamond_global_real_or_fake/" }, { "title": "[EU] How do you properly vet Instagram wholesalers before placing orders?", "subreddit": "Scams", "num_comments": 11, "score": 0.928, "selftext": "Hi everyone,\n\nI\u2019m looking into buying from Instagram wholesalers because they\u2019re the only ones consistently carrying the style and brands I\u2019m searching for (Southpole, FUBU, Ecko, Pelle Pelle, etc.).\n\nSince many of them operate mainly through Instagram, I\u2019d like to understand how to properly evaluate sellers before placing an order \u2014 especially if I plan on buying in bulk.\n\nFor those with experience:\n\n\\- What signs tell you a seller is reliable?\n\n\\- What questions do you usually ask before sendi", "url": "https://reddit.com/r/Scams/comments/1r21ch0/eu_how_do_you_properly_vet_instagram_wholesalers/" }, { "title": "I know this may be a huge red flag- but should I give my email adresss ?", "subreddit": "Scams", "num_comments": 29, "score": 0.87, "selftext": "Not sure if this is a scam or if this is the right sub (If it's not then I sincerely apologize) , but basically : I've been trying to find this item for a while. Found this seller with 100% good ratings who was selling it for a bit more than 2600 USD which is on the lower end of prices for this item that I could find on eBay. \n\nSo I try to buy it multiple times but each time I'm denied because eBay says that \"the seller doesn't ship to my country\". \n\nI contact the seller, ask them if they can sh", "url": "https://reddit.com/r/Scams/comments/1r1ddzp/i_know_this_may_be_a_huge_red_flag_but_should_i/" }, { "title": "do i trust these giant giveaways from a smaller youtuber?", "subreddit": "Scams", "num_comments": 15, "score": 0.8140000000000001, "selftext": "I recently came across this youtuber with around 30k subs, posts huge giveaways once every 2-3 weeks (or more often) these giveaways include mac book pros, fully maxed out ipads spec wise, iphones and other expensive electronics. the description includes referral codes to different brands such as oculus referral links or \"get 5 dollars off magic spoon with is code\". when he posts a winner video, the comments are turned off making it so you cant see who won, which is strange wouldn't is be better", "url": "https://reddit.com/r/Scams/comments/1r0nwin/do_i_trust_these_giant_giveaways_from_a_smaller/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 20, "cross_source_count": 1, "reddit_post_count": 20, "question_signal_count": 20, "has_question_signal": true }, { "cluster_id": 17, "topics": [ { "topic_name": "My ex is withholding my belongings until I 'apologize for everything.' We broke up months ago and she won't let me get my stuff. Can I call the police for this?", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/legaladvice/comments/1r23a08/my_ex_is_withholding_my_belongings_until_i/", "signal_type": "question" }, { "topic_name": "Received this notice how do I proceed?", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/povertyfinance/comments/1qslxmz/received_this_notice_how_do_i_proceed/", "signal_type": "question" }, { "topic_name": "My father was taken by ice last Thursday. I am becoming a citizen tomorrow. Location: New Jersey", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/legaladvice/comments/1qvf5t0/my_father_was_taken_by_ice_last_thursday_i_am/", "signal_type": "question" }, { "topic_name": "My MIL attacked me twice and was arrested , now she\u2019s suing me for costs associated with her arrest as well as other things", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/legaladvice/comments/1r1ju07/my_mil_attacked_me_twice_and_was_arrested_now/", "signal_type": "question" }, { "topic_name": "Injunction falsely filed against me", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/legaladvice/comments/1r2934y/injunction_falsely_filed_against_me/", "signal_type": "question" }, { "topic_name": "My Boyfriend is Being Held in A Hospital Against His Will - UPDATE", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/legaladvice/comments/1qfy7zp/my_boyfriend_is_being_held_in_a_hospital_against/", "signal_type": "question" }, { "topic_name": "halp", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/legaladvice/comments/1r2dzc3/halp/", "signal_type": "question" }, { "topic_name": "Jury duty summons that is impossible for me to attend, won't grant excusal (Ohio)", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/legaladvice/comments/1qjywsh/jury_duty_summons_that_is_impossible_for_me_to/", "signal_type": "question" }, { "topic_name": "Order of Protection", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/legaladvice/comments/1r2d6tw/order_of_protection/", "signal_type": "question" }, { "topic_name": "Hung Jury - Mistrial Advice (Michigan)", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/legaladvice/comments/1r276tf/hung_jury_mistrial_advice_michigan/", "signal_type": "question" }, { "topic_name": "How is a Habeas Corpus lawsuit an option to release my wife, who has been pregnant for more than five months, has been detained by ICE for four months, and has no criminal history? How can I find a free or low-cost lawyer for this?", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/legaladvice/comments/1qc9mgi/how_is_a_habeas_corpus_lawsuit_an_option_to/", "signal_type": "question" }, { "topic_name": "NY Assault case against me with no witnesses, I wasn't there", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/legaladvice/comments/1r263ot/ny_assault_case_against_me_with_no_witnesses_i/", "signal_type": "question" }, { "topic_name": "Presumptive positive first pre trail drug screen", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/legaladvice/comments/1r2c0ew/presumptive_positive_first_pre_trail_drug_screen/", "signal_type": "question" }, { "topic_name": "Can my boyfriend\u2019s family take items legally without my consent?", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/legaladvice/comments/1qujwxj/can_my_boyfriends_family_take_items_legally/", "signal_type": "question" }, { "topic_name": "Plea Absentia Ga - probation in La", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/legaladvice/comments/1r2780p/plea_absentia_ga_probation_in_la/", "signal_type": "question" }, { "topic_name": "what to do", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/legaladvice/comments/1r277zu/what_to_do/", "signal_type": "question" }, { "topic_name": "Assaulted, awaiting hearing and D.A is providing zero case support (CA)", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/legaladvice/comments/1r275gm/assaulted_awaiting_hearing_and_da_is_providing/", "signal_type": "question" }, { "topic_name": "Need to take a drug test for probation, but I've got a shy bladder but nobody will give me the option to take a saliva/blood test, wtf do I do????", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/legaladvice/comments/1r274ft/need_to_take_a_drug_test_for_probation_but_ive/", "signal_type": "question" }, { "topic_name": "NY Family Court / Child Support Enforcement anyone dealt with an active warrant and locating the non-custodial parent?", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/legaladvice/comments/1r26kf4/ny_family_court_child_support_enforcement_anyone/", "signal_type": "question" }, { "topic_name": "Customer Has Restraining Order", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/legaladvice/comments/1qqlhkt/customer_has_restraining_order/", "signal_type": "question" } ], "reddit_posts": [ { "title": "My ex is withholding my belongings until I 'apologize for everything.' We broke up months ago and she won't let me get my stuff. Can I call the police for this?", "subreddit": "LegalAdvice", "num_comments": 51, "score": 0.996, "selftext": "Location: California\n\nMy ex girlfriend and I broke up about 4 months ago. It wasn't a great breakup but it wasn't violent or anything, we just weren't working out. When I moved out I left some stuff at her place because I was moving into a temporary situation and didn't have room for everything. We agreed I'd come get it once I got settled.\n\nWell now I have my own place and I've been asking for my stuff back for the past 6 weeks. Every time I text her she either ignores me or says I can have it ", "url": "https://reddit.com/r/legaladvice/comments/1r23a08/my_ex_is_withholding_my_belongings_until_i/" }, { "title": "Received this notice how do I proceed?", "subreddit": "povertyfinance", "num_comments": 744, "score": 0.986, "selftext": "What do I do because I clearly live here and all of my belongings are here but yet I received this notice on my door. Like she literally opened my door and seen all of my furniture and still proceeded to post it. Not to mention I just registered a new vehicle on the apartment lease not even a week ago. ", "url": "https://reddit.com/r/povertyfinance/comments/1qslxmz/received_this_notice_how_do_i_proceed/" }, { "title": "My father was taken by ice last Thursday. I am becoming a citizen tomorrow. Location: New Jersey", "subreddit": "LegalAdvice", "num_comments": 51, "score": 0.966, "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", "url": "https://reddit.com/r/legaladvice/comments/1qvf5t0/my_father_was_taken_by_ice_last_thursday_i_am/" }, { "title": "My MIL attacked me twice and was arrested , now she\u2019s suing me for costs associated with her arrest as well as other things", "subreddit": "LegalAdvice", "num_comments": 10, "score": 0.96, "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", "url": "https://reddit.com/r/legaladvice/comments/1r1ju07/my_mil_attacked_me_twice_and_was_arrested_now/" }, { "title": "Injunction falsely filed against me", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.95, "selftext": "Good afternoon all,\n\nLocation: Florida\n\nThis is a long one, resident of Florida, got officially divorced Dec. 29, ex wife filed an injunction for domestic violence against me the following day, even though I\u2019ve never done anything abusive to her and she has no proof of anything. I think she did it out of retaliation because I\u2019ve moved on, and because she heard that after the divorce was finalized I wouldn\u2019t have legal representation anymore.\n\nDecember 27, we got into an argument while I was cele", "url": "https://reddit.com/r/legaladvice/comments/1r2934y/injunction_falsely_filed_against_me/" }, { "title": "My Boyfriend is Being Held in A Hospital Against His Will - UPDATE", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.95, "selftext": "Original Post [Here](https://www.reddit.com/r/legaladvice/s/oFU65qtZ5W).\n\nLocation: Delaware\n\nMy boyfriend got discharged from the hospital this morning. I was already on my way there when I got the call that they were letting him go so I picked him up and drove him back to our home state.\n\nAccording to all documentation (that he now has access to) he was mentally competent enough to understand what they were telling him and understand the risks of him leaving. His psych eval yesterday was norma", "url": "https://reddit.com/r/legaladvice/comments/1qfy7zp/my_boyfriend_is_being_held_in_a_hospital_against/" }, { "title": "halp", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.942, "selftext": "Do NM warrants void after a year and would a 9 year old warrant for failure to appear for a vehicle theft (lowest level felony) still be active?\n\nLocation: New Mexico", "url": "https://reddit.com/r/legaladvice/comments/1r2dzc3/halp/" }, { "title": "Jury duty summons that is impossible for me to attend, won't grant excusal (Ohio)", "subreddit": "LegalAdvice", "num_comments": 40, "score": 0.938, "selftext": "Location: Ohio\n\nI got a petit jury summons in the mail. This is normal and I understand how all that works, I understand why jury duty is a thing, I don't *mind* the idea of serving jury duty. The problem is that I cannot drive. I'm autistic and live at home with no driver's license. I can't afford bussing, and I only have one family member that will be in the state at the time I've been summoned for. That family member is my mom, who works full-time and can't afford to call off work to take me ", "url": "https://reddit.com/r/legaladvice/comments/1qjywsh/jury_duty_summons_that_is_impossible_for_me_to/" }, { "title": "Order of Protection", "subreddit": "LegalAdvice", "num_comments": 3, "score": 0.926, "selftext": "Location: Tennessee Resident. I recently obtained a temporary order of protection on my boyfriend. On the order I put close joint checking account. The judge signed it. I get a notification twice a day that he's over drafting. Is the order not to be enforced until the court date?", "url": "https://reddit.com/r/legaladvice/comments/1r2d6tw/order_of_protection/" }, { "title": "Hung Jury - Mistrial Advice (Michigan)", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.92, "selftext": "Location: Michigan, USA.\n\nPosting this under a burner as I do not wish to be identified with my normal Reddit name.\n\nUnfortunately our minor daughter was a victim of home invasion (charged as 3rd degree) plus indecent exposure. The suspect was apprehended immediately, within 5(ish) minutes of the event.\n\nAfter a two day trial, mistrial declared after 1 juror would apparently not be dissuaded after nearly 10 hours of the other 11 trying to convince the one to find guilty. The single juror apparen", "url": "https://reddit.com/r/legaladvice/comments/1r276tf/hung_jury_mistrial_advice_michigan/" }, { "title": "How is a Habeas Corpus lawsuit an option to release my wife, who has been pregnant for more than five months, has been detained by ICE for four months, and has no criminal history? How can I find a free or low-cost lawyer for this?", "subreddit": "LegalAdvice", "num_comments": 58, "score": 0.906, "selftext": "Hello,\nMy wife is an asylum seeker in the United States. She entered the U.S. legally through the southern border and applied for asylum in 2024. Her immigration court case was denied in November 2025, but the decision was timely appealed and the case is currently pending on appeal.\n\nDespite the appeal, she has been detained by ICE in Nevada for more than four months.\n\nThe most serious issue is that my wife is currently pregnant (over five months).\nWhile in detention:\n\nShe has not received regul", "url": "https://reddit.com/r/legaladvice/comments/1qc9mgi/how_is_a_habeas_corpus_lawsuit_an_option_to/" }, { "title": "NY Assault case against me with no witnesses, I wasn't there", "subreddit": "LegalAdvice", "num_comments": 2, "score": 0.902, "selftext": "Location: Rural Western New York. \n\nNo criminal history at all, and Im looking at jail time for felony assault. \n\nMy wife called 911, police showed up to the house, filed report that I attacked her and then left. She sat in an ambulance out front to get checked out, didnt want to go to the hospital, and thats it. I wasn't there. Not a single person saw me or claims to have, besides my wife.\n\nI was arrested later that night taking a walk around the neighborhood. I hadn't been home all day. Can th", "url": "https://reddit.com/r/legaladvice/comments/1r263ot/ny_assault_case_against_me_with_no_witnesses_i/" }, { "title": "Presumptive positive first pre trail drug screen", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.9, "selftext": "Location: Houston\n\nSo I got a class B possession charge(first offense) was arrested on Jan 4th, first court date was Jan 12th where I got a court appointed lawyer and my bond conditions were set with random pre trail drug screening. Second court date was yesterday my lawyer wants a PTI ,prosecution wants probation .My first test was today on the 11th and I got a presumptive positive for thc and they are sending it to a lab, I immediately notified my lawyer. I have not used any substances since m", "url": "https://reddit.com/r/legaladvice/comments/1r2c0ew/presumptive_positive_first_pre_trail_drug_screen/" }, { "title": "Can my boyfriend\u2019s family take items legally without my consent?", "subreddit": "LegalAdvice", "num_comments": 24, "score": 0.842, "selftext": "Location: Washington \n\nWe\u2019ve lived together on our own far away from his family for over 3 years\nBoyfriend has passed away\nTheir family is now trying to seize items\nNo proper documentation has been shown to me over estate owner/will in his name \n\nAll I wanted was a camera and some memories we paid for together, the camera was 10k that we went in on together. \nHis mother decided to take the camera, along with the SD cards which has intimate memories and adventures we went on together \n\nWhat can I", "url": "https://reddit.com/r/legaladvice/comments/1qujwxj/can_my_boyfriends_family_take_items_legally/" }, { "title": "Plea Absentia Ga - probation in La", "subreddit": "LegalAdvice", "num_comments": 4, "score": 0.832, "selftext": "I got a DUI in 2024, first offense. Finally got a court date last year however I moved to La for a job. I have an attorney and he recommended a plea of absentia so I would not have to drive back and forth for court or probation. However, now I\u2019m being told that I would have to get an ankle monitor, do 40 hours community service, suspend my drivers license for 140 days, AA, be on probation for a year, pay a fine, and take a dui class. My probation officer assigned is in GA.. again I work in La.. ", "url": "https://reddit.com/r/legaladvice/comments/1r2780p/plea_absentia_ga_probation_in_la/" }, { "title": "what to do", "subreddit": "LegalAdvice", "num_comments": 2, "score": 0.83, "selftext": "san antonio texas\n\ni have just gone to court today and they are looking to give me pre trial diversion i am on bond right now and i have been clean from marijuana since mid december last year and was thinking if i smoke today february 11th i should be clean until march 30th my next court date to see wether they decide if i get the pre trial diversion and was wondering what should i do should i stay clean or smoke today\n\nLocation: San Antonio Texas.", "url": "https://reddit.com/r/legaladvice/comments/1r277zu/what_to_do/" }, { "title": "Assaulted, awaiting hearing and D.A is providing zero case support (CA)", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.8260000000000001, "selftext": "Location: CALIFORNIA\n\n\n\nAssaulted by an individual who was caught/ arrested. His charges are: Assault with a deadly weapon, Battery with serious injury.\n\nWent to the E.R same day with blunt force trauma / concussion and a big open bleeding gash in my head. Been following up with my primary doc and have had a serious migrane since the incident (3 weeks now) which won't go away. Getting cat scans, prescribed pain killers, seeing a neurologist soon and so on....\n\n \nInitially went to the sheriffs ", "url": "https://reddit.com/r/legaladvice/comments/1r275gm/assaulted_awaiting_hearing_and_da_is_providing/" }, { "title": "Need to take a drug test for probation, but I've got a shy bladder but nobody will give me the option to take a saliva/blood test, wtf do I do????", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.8220000000000001, "selftext": "I don't know what to do, every time I try to talk to the guy taking the test he just ignores me or tells me to shut up and I don't have a PO assigned yet since I just started probation. I'm trying to get a doctors appointment set up ASAP so that I can get a note, but according to most of the websites I've looked at I'm supposed to have the option of a breath/saliva/blood test. My lawyer says he can't advise me on this, so I've got no clue what to do.\n\nLocation: Albuquerque, New Mexico", "url": "https://reddit.com/r/legaladvice/comments/1r274ft/need_to_take_a_drug_test_for_probation_but_ive/" }, { "title": "NY Family Court / Child Support Enforcement anyone dealt with an active warrant and locating the non-custodial parent?", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.8140000000000001, "selftext": "Hi everyone. I\u2019m trying to understand what usually happens next in a child support enforcement situation. I have full custody of my child, and the non custodial parent has an active warrant issued through Family Court for failure to appear/pay support. Location: New York \n\nChild Support Enforcement has already done address searches (DMV, credit header, property records, etc.) and provided possible addresses, but I don\u2019t know how accurate they are. The court advised me to contact the Sheriff\u2019s of", "url": "https://reddit.com/r/legaladvice/comments/1r26kf4/ny_family_court_child_support_enforcement_anyone/" }, { "title": "Customer Has Restraining Order", "subreddit": "LegalAdvice", "num_comments": 25, "score": 0.808, "selftext": "Location: Minnesota \n\nI just took over ownership of a bar in a small town. We have a regular patron whose ex apparently has a restraining order against her. During a busy Saturday her ex showed up at my bar after she'd already been there for hours. He tried to make the bartender kick her out. The bartender said he could not enforce a restraining order he did not have any evidence of. The ex called the police and they came into the bar and told the ex to leave. From our understanding the cops tol", "url": "https://reddit.com/r/legaladvice/comments/1qqlhkt/customer_has_restraining_order/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 20, "cross_source_count": 1, "reddit_post_count": 20, "question_signal_count": 20, "has_question_signal": true }, { "cluster_id": 31, "topics": [ { "topic_name": "Cashed out 745,575 Chase UR points\u2026 and I feel oddly free \ud83d\ude02", "source": "reddit", "region": "global", "score": 0.992, "url": "https://reddit.com/r/CreditCards/comments/1qvy8t3/cashed_out_745575_chase_ur_points_and_i_feel/", "signal_type": "question" }, { "topic_name": "After almost 10 years, I\u2019m officially team cash back.", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/CreditCards/comments/1qntfq2/after_almost_10_years_im_officially_team_cash_back/", "signal_type": "question" }, { "topic_name": "Amex canceled my Platinum & Centurion accounts after 28 yrs w/ no explanation", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/CreditCards/comments/1qxsnt6/amex_canceled_my_platinum_centurion_accounts/", "signal_type": "question" }, { "topic_name": "Wife lost credit card, it was cancelled, now someone is trying to use it", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/personalfinance/comments/1qhz7qj/wife_lost_credit_card_it_was_cancelled_now/", "signal_type": "question" }, { "topic_name": "Chase Bank/Cards: internally banned after closed bank accounts?", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/CreditCards/comments/1r2e649/chase_bankcards_internally_banned_after_closed/", "signal_type": "question" }, { "topic_name": "So easy to close Bilt with Wells Fargo.", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/CreditCards/comments/1qgglxy/so_easy_to_close_bilt_with_wells_fargo/", "signal_type": "question" }, { "topic_name": "[US] Is this too good to be true?", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/Scams/comments/1qsyh6g/us_is_this_too_good_to_be_true/", "signal_type": "question" }, { "topic_name": "Amex approved me for a 300k Business Platinum offer, took $20k+ spend + $895 AF\u2026 then said I was \"never eligible\"", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/CreditCards/comments/1qn2iep/amex_approved_me_for_a_300k_business_platinum/", "signal_type": "question" }, { "topic_name": "Capital One Negative Changes To Lounge Access For Venture X Cardholders Now Live", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/CreditCards/comments/1qtcpj0/capital_one_negative_changes_to_lounge_access_for/", "signal_type": "question" }, { "topic_name": "Nord VPN has the WORST customer support experience if your credit card expires (and sleazy tactics)", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/darkpatterns/comments/1qm09sc/nord_vpn_has_the_worst_customer_support/", "signal_type": "question" }, { "topic_name": "Capital One & Mastercard Renegotiate Deal", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/CreditCards/comments/1qvvh3q/capital_one_mastercard_renegotiate_deal/", "signal_type": "question" }, { "topic_name": "Capital One just acquired Brex - where's everyone moving?", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/CreditCards/comments/1qke00f/capital_one_just_acquired_brex_wheres_everyone/", "signal_type": "question" }, { "topic_name": "Wells Fargo won\u2019t close my account and continues to charge me fees", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/personalfinance/comments/1qp4jt6/wells_fargo_wont_close_my_account_and_continues/", "signal_type": "question" }, { "topic_name": "Capital One Venture X Hate", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/CreditCards/comments/1qhtlpc/capital_one_venture_x_hate/", "signal_type": "question" }, { "topic_name": "DoC Repeating Rumor of New Wells Fargo $95 AF Card Launching in February", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/CreditCards/comments/1qdmo9x/doc_repeating_rumor_of_new_wells_fargo_95_af_card/", "signal_type": "question" }, { "topic_name": "SYW 5321 Visa - confirmed ability to redeem points as statement credit", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/CreditCards/comments/1r19je6/syw_5321_visa_confirmed_ability_to_redeem_points/", "signal_type": "question" }, { "topic_name": "Citi ThankYou Mastercard offer will not activate, anyone know why?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/CreditCards/comments/1r1kv8c/citi_thankyou_mastercard_offer_will_not_activate/", "signal_type": "question" }, { "topic_name": "[US]Bogus auto payments on Citi Visa card", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/Scams/comments/1r0iit6/usbogus_auto_payments_on_citi_visa_card/", "signal_type": "question" }, { "topic_name": "Chase abruptly closed my long-standing credit card account and revoked my rewards. What are my options?", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/CreditCards/comments/1qfipxq/chase_abruptly_closed_my_longstanding_credit_card/", "signal_type": "question" }, { "topic_name": "No retention offer? Could financial review have triggered it?", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/CreditCards/comments/1r1jefe/no_retention_offer_could_financial_review_have/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Cashed out 745,575 Chase UR points\u2026 and I feel oddly free \ud83d\ude02", "subreddit": "CreditCards", "num_comments": 172, "score": 0.992, "selftext": "Well\u2026 I finally did it.\n\nI just redeemed 745,575 Chase Ultimate Rewards, and it feels borderline criminal not to mention it here \ud83e\udd23\n\nI\u2019ve been sitting on these points forever with nonstop analysis paralysis. The whole \u201cwait for the perfect redemption\u201d mindset had me in denial that I\u2019d ever actually use them.\n\nReality check:\n\n\t\u2022\tI just had my second child, and my first is now 2 years old\n\n\t\u2022\tNo more lap infant for one of them\n\n\t\u2022\tWe mostly fly economy anyway\n\n\t\u2022\tI was never consistently getting mo", "url": "https://reddit.com/r/CreditCards/comments/1qvy8t3/cashed_out_745575_chase_ur_points_and_i_feel/" }, { "title": "After almost 10 years, I\u2019m officially team cash back.", "subreddit": "CreditCards", "num_comments": 129, "score": 0.986, "selftext": "Came into it at the tail end of the SPG game. Almost every chase business card twice and multiple platinums later. The rules are cooked and it\u2019s no longer worth chasing loyalty with any bank. So I\u2019ve maximized all my returns as close to 5% as I can get them.\n\nThere have been many years where I let points build up, so now I feel like it\u2019s simply not worth waiting to find a good deal on a redemption. I travel when, where and how I want and need to travel and let my money work for me.\n\nGroceries: C", "url": "https://reddit.com/r/CreditCards/comments/1qntfq2/after_almost_10_years_im_officially_team_cash_back/" }, { "title": "Amex canceled my Platinum & Centurion accounts after 28 yrs w/ no explanation", "subreddit": "CreditCards", "num_comments": 241, "score": 0.984, "selftext": "# Has anyone had their Platinum or Centurion American Express suddenly cancelled without explanation?\n\nAfter 28 years as an u/[AmericanExpress](https://x.com/AmericanExpress)\u00a0Platinum/Centurion cardholder with multiple business accounts,\u00a0[r/amex](/r/amex/)\u00a0suddenly canceled all my accounts and voided over 5.5 million Membership Rewards points. No warning. No explanation.\n\nAfter exclusively using Amex for all my personal and business transactions, being a loyal member, trusting them with my point", "url": "https://reddit.com/r/CreditCards/comments/1qxsnt6/amex_canceled_my_platinum_centurion_accounts/" }, { "title": "Wife lost credit card, it was cancelled, now someone is trying to use it", "subreddit": "personalfinance", "num_comments": 113, "score": 0.976, "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?", "url": "https://reddit.com/r/personalfinance/comments/1qhz7qj/wife_lost_credit_card_it_was_cancelled_now/" }, { "title": "Chase Bank/Cards: internally banned after closed bank accounts?", "subreddit": "CreditCards", "num_comments": 0, "score": 0.976, "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", "url": "https://reddit.com/r/CreditCards/comments/1r2e649/chase_bankcards_internally_banned_after_closed/" }, { "title": "So easy to close Bilt with Wells Fargo.", "subreddit": "CreditCards", "num_comments": 81, "score": 0.97, "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. ", "url": "https://reddit.com/r/CreditCards/comments/1qgglxy/so_easy_to_close_bilt_with_wells_fargo/" }, { "title": "[US] Is this too good to be true?", "subreddit": "Scams", "num_comments": 121, "score": 0.966, "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", "url": "https://reddit.com/r/Scams/comments/1qsyh6g/us_is_this_too_good_to_be_true/" }, { "title": "Amex approved me for a 300k Business Platinum offer, took $20k+ spend + $895 AF\u2026 then said I was \"never eligible\"", "subreddit": "CreditCards", "num_comments": 46, "score": 0.966, "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", "url": "https://reddit.com/r/CreditCards/comments/1qn2iep/amex_approved_me_for_a_300k_business_platinum/" }, { "title": "Capital One Negative Changes To Lounge Access For Venture X Cardholders Now Live", "subreddit": "CreditCards", "num_comments": 112, "score": 0.964, "selftext": "https://www.doctorofcredit.com/capital-one-announces-negative-changes-to-lounge-access-for-venture-x-cardholders/", "url": "https://reddit.com/r/CreditCards/comments/1qtcpj0/capital_one_negative_changes_to_lounge_access_for/" }, { "title": "Nord VPN has the WORST customer support experience if your credit card expires (and sleazy tactics)", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.956, "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", "url": "https://reddit.com/r/darkpatterns/comments/1qm09sc/nord_vpn_has_the_worst_customer_support/" }, { "title": "Capital One & Mastercard Renegotiate Deal", "subreddit": "CreditCards", "num_comments": 26, "score": 0.938, "selftext": "[Interesting article from DoctorOfCredit.](https://www.doctorofcredit.com/capital-one-mastercard-renegotiate-deal/) Looks like Capital One is using their newfound leverage.\n\nDuring a\u00a0[recent earnings call](https://seekingalpha.com/article/4863944-mastercard-incorporated-ma-q4-2025-earnings-call-transcript)\u00a0Mastercard CEO Michael Miebach announced that Mastercard & Capital One have renegotiated their long standing partnership.\u00a0\n\n*In the U.S. and Canada, we extended our long-standing partners", "url": "https://reddit.com/r/CreditCards/comments/1qvvh3q/capital_one_mastercard_renegotiate_deal/" }, { "title": "Capital One just acquired Brex - where's everyone moving?", "subreddit": "CreditCards", "num_comments": 55, "score": 0.924, "selftext": "Just saw the news that Capital One scooped up Brex and honestly not surprised since they've been in trouble. My business has been using them for expense management but writing's on the wall here. Already started looking at alternatives before this acquisition gets messy. Anyone else jumping ship before they go the way of Bilt? (rip)", "url": "https://reddit.com/r/CreditCards/comments/1qke00f/capital_one_just_acquired_brex_wheres_everyone/" }, { "title": "Wells Fargo won\u2019t close my account and continues to charge me fees", "subreddit": "personalfinance", "num_comments": 76, "score": 0.922, "selftext": "I did not close my Wells Fargo account before moving overseas and it has become the bane of my existence.\n\nThey continue to charge me monthly inactivity fees and increase the minimum account balance.\n\nTheir messenger portal is just a chatbot that directs to phone numbers that are chatbots that inevitably hang up on me.\n\nI cannot reach a person, there isn\u2019t even a way for me to message them. \n\nWhen I was back in the states I went to a branch and they told me I had to schedule an appointment but t", "url": "https://reddit.com/r/personalfinance/comments/1qp4jt6/wells_fargo_wont_close_my_account_and_continues/" }, { "title": "Capital One Venture X Hate", "subreddit": "CreditCards", "num_comments": 134, "score": 0.892, "selftext": "I've been noticing a ton of hate for the VX lately, especially among content creators. Multiple videos came out recently about them canceling VX cards. I know the changes announced last year are taking place soon but I have to ask, is it really that bad? \n\nI personally still think it's a pretty good card that I plan on keeping as it stands. If they raise the AF eventually that might mean another audit. \n\nBut imo until I'm in a position to justify the CSR or Amex Platinum (and I may never be) I s", "url": "https://reddit.com/r/CreditCards/comments/1qhtlpc/capital_one_venture_x_hate/" }, { "title": "DoC Repeating Rumor of New Wells Fargo $95 AF Card Launching in February", "subreddit": "CreditCards", "num_comments": 35, "score": 0.85, "selftext": "[Link here](https://www.doctorofcredit.com/rumor-wells-fargo-to-launch-a-new-card-on-2-6/)\n\nThis was rumored in a deleted post last week by another user, except to launch on the 18th. I and others dismissed it as it was so close to the AJ but it looks like they'll be vindicated. Maybe the value proposition is enhanced by assets/relationship. 2026 is shaping up to be quite a year.", "url": "https://reddit.com/r/CreditCards/comments/1qdmo9x/doc_repeating_rumor_of_new_wells_fargo_95_af_card/" }, { "title": "SYW 5321 Visa - confirmed ability to redeem points as statement credit", "subreddit": "CreditCards", "num_comments": 7, "score": 0.846, "selftext": "I just logged in to see my points balance updated with the 500,000 SUB and was happy to see that we CAN apply points as a statement credit as originally advertised but was not immediately available. I still had some points from before getting the 5321 card so those couldn\u2019t be applied as a statement credit but all points from 5321 purchases plus the SUB were able to be redeemed as a credit. I cashed out the rest of the leftover points for an Amazon GC.", "url": "https://reddit.com/r/CreditCards/comments/1r19je6/syw_5321_visa_confirmed_ability_to_redeem_points/" }, { "title": "Citi ThankYou Mastercard offer will not activate, anyone know why?", "subreddit": "CreditCards", "num_comments": 0, "score": 0.838, "selftext": "I have an email offer: **\"Earn a $75 statement credits on eligible purchases made each month of this offer\"** ($1,500+). Every time I try to activate it, it takes me to a page that says **\"We're sorry, but the offer was not activated at this time. Please try again later.\"** I tried last week and tried again today and got the \"offer not activated\" page every time. I was able to successfully activate a couple other offers last week at the same time that I tried to activate this one and can verify ", "url": "https://reddit.com/r/CreditCards/comments/1r1kv8c/citi_thankyou_mastercard_offer_will_not_activate/" }, { "title": "[US]Bogus auto payments on Citi Visa card", "subreddit": "Scams", "num_comments": 6, "score": 0.832, "selftext": "Hi folks, \n\nSo a funny thiing happened on the way to my Citi credit card statement. \n\nThere were a couple recurring payments that were old subs that I no longer use, so I called the CC company, and talked to a gentleman in India apparently who hardly understood me, nor I him. He informed me that they could not remove the autopay: in fact the only way to do so would be to have a new card reissued. So I opted for that (perhaps a mistake). \n\nHe could not get my new email down correctly so the con", "url": "https://reddit.com/r/Scams/comments/1r0iit6/usbogus_auto_payments_on_citi_visa_card/" }, { "title": "Chase abruptly closed my long-standing credit card account and revoked my rewards. What are my options?", "subreddit": "CreditCards", "num_comments": 51, "score": 0.8140000000000001, "selftext": "Looking for advice or similar experiences.\n\nIn mid-December, my husband misplaced his wallet inside our home but thought it was lost elsewhere. Unfortunately, my Chase Sapphire Preferred card (joint account, but under my name) was in his wallet. Since we assumed it was lost, we canceled all the cards and requested replacements.\n\nWe later found the wallet at home, but by then the replacement card had already been issued. When I tried to activate the new card, Chase wouldn\u2019t allow it. Shortly afte", "url": "https://reddit.com/r/CreditCards/comments/1qfipxq/chase_abruptly_closed_my_longstanding_credit_card/" }, { "title": "No retention offer? Could financial review have triggered it?", "subreddit": "CreditCards", "num_comments": 2, "score": 0.804, "selftext": "I have always gotten a retention offer from Amex even if it was just use your points to pay your annual fee. I've had my gold card now for a year. no retention offer after chatting twice. \n\nIn December I went through a financial review that basically took away the charge card ability of my cards and put credit limits on me, all under 10,000. could that have triggered this lack of retention offers? \n\nI did cancel a business platinum last month because I only got it due to large expenses for my da", "url": "https://reddit.com/r/CreditCards/comments/1r1jefe/no_retention_offer_could_financial_review_have/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 20, "cross_source_count": 1, "reddit_post_count": 20, "question_signal_count": 20, "has_question_signal": true }, { "cluster_id": 37, "topics": [ { "topic_name": "Insurance (US citizen traveling South America)", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/Insurance/comments/1r2bq79/insurance_us_citizen_traveling_south_america/", "signal_type": "question" }, { "topic_name": "Comparing homeowners vs standalone jewelry insurance", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/Insurance/comments/1qcpnen/comparing_homeowners_vs_standalone_jewelry/", "signal_type": "question" }, { "topic_name": "Shopping for insurance", "source": "reddit", "region": "global", "score": 0.978, "url": "https://reddit.com/r/Insurance/comments/1r2bho5/shopping_for_insurance/", "signal_type": "question" }, { "topic_name": "What is progressive insurance like when filing claims?", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/Insurance/comments/1r2ad23/what_is_progressive_insurance_like_when_filing/", "signal_type": "question" }, { "topic_name": "Just A Thought!", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/Insurance/comments/1r286yb/just_a_thought/", "signal_type": "question" }, { "topic_name": "Massive difference in insurance cost between agent and searching myself", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/Insurance/comments/1qdnag3/massive_difference_in_insurance_cost_between/", "signal_type": "question" }, { "topic_name": "Renters insurance, Apartmentt wants to be listed as requestor", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/Insurance/comments/1r24br2/renters_insurance_apartmentt_wants_to_be_listed/", "signal_type": "question" }, { "topic_name": "I've been paying 2 duplicate homeowners policies for 6 years.", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/Insurance/comments/1r1k2a7/ive_been_paying_2_duplicate_homeowners_policies/", "signal_type": "question" }, { "topic_name": "Experience with Home Insurance in Hawaii", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/Insurance/comments/1r1pmc4/experience_with_home_insurance_in_hawaii/", "signal_type": "question" }, { "topic_name": "Homeowners insurance...?", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/BuyItForLife/comments/1r1m48u/homeowners_insurance/", "signal_type": "question" }, { "topic_name": "What makes you switch your car insurance provider?", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/Insurance/comments/1r1ss6z/what_makes_you_switch_your_car_insurance_provider/", "signal_type": "question" }, { "topic_name": "Homeowner's insurance cancellation", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/Insurance/comments/1qvv0r1/homeowners_insurance_cancellation/", "signal_type": "question" }, { "topic_name": "Where the hell can I find PLPD insurance?", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/Insurance/comments/1r1inam/where_the_hell_can_i_find_plpd_insurance/", "signal_type": "question" }, { "topic_name": "Insurance Quote Advice", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/Insurance/comments/1r1hjdl/insurance_quote_advice/", "signal_type": "question" }, { "topic_name": "Any U.S. auto insurance companies out there who will factor in working remotely into pricing?", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/Insurance/comments/1qcuzjr/any_us_auto_insurance_companies_out_there_who/", "signal_type": "question" }, { "topic_name": "Commercial Auto Insurance - Need Help", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/Insurance/comments/1r13i6p/commercial_auto_insurance_need_help/", "signal_type": "question" }, { "topic_name": "Good Roadside Assistance companies?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/Frugal/comments/1qv1v8o/good_roadside_assistance_companies/", "signal_type": "question" }, { "topic_name": "Insurance billing questions?", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/Insurance/comments/1r1d4jd/insurance_billing_questions/", "signal_type": "question" }, { "topic_name": "Auto Insurance.. Progressive or All State?", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/Insurance/comments/1r1ccna/auto_insurance_progressive_or_all_state/", "signal_type": "question" }, { "topic_name": "Why is State Farm dropping the Defensive Driving discount?", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/Insurance/comments/1qplnjk/why_is_state_farm_dropping_the_defensive_driving/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Insurance (US citizen traveling South America)", "subreddit": "Insurance", "num_comments": 1, "score": 0.982, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1r2bq79/insurance_us_citizen_traveling_south_america/" }, { "title": "Comparing homeowners vs standalone jewelry insurance", "subreddit": "Insurance", "num_comments": 12, "score": 0.982, "selftext": "I\u2019m in the process of deciding how to insure my jewelry and I\u2019m a bit torn between adding it to my homeowners policy or getting a separate jewelry insurance policy. On paper, the homeowners rider seems simple but I keep seeing people say that separate policies offer better coverage for things like loss, travel and claims, while homeowners can be limited. For those of you who\u2019ve looked into this or already made this choice what did you end up doing and why? I\u2019d really appreciate hearing your hone", "url": "https://reddit.com/r/Insurance/comments/1qcpnen/comparing_homeowners_vs_standalone_jewelry/" }, { "title": "Shopping for insurance", "subreddit": "Insurance", "num_comments": 5, "score": 0.978, "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", "url": "https://reddit.com/r/Insurance/comments/1r2bho5/shopping_for_insurance/" }, { "title": "What is progressive insurance like when filing claims?", "subreddit": "Insurance", "num_comments": 4, "score": 0.972, "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.", "url": "https://reddit.com/r/Insurance/comments/1r2ad23/what_is_progressive_insurance_like_when_filing/" }, { "title": "Just A Thought!", "subreddit": "Insurance", "num_comments": 3, "score": 0.966, "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?", "url": "https://reddit.com/r/Insurance/comments/1r286yb/just_a_thought/" }, { "title": "Massive difference in insurance cost between agent and searching myself", "subreddit": "Insurance", "num_comments": 69, "score": 0.948, "selftext": "Hi all, I decided to look into insurance options recently because my agent (who my family has been using for over a decade) has me paying $410 a month. I drive a nice car so I expect a higher than average payment, but $410 seemed a bit high. after looking around, none of the plans I\u2019m offered are more than $300 a month. most are in the $250-$270 range. Is it possible my agent is putting something in wrong somewhere, or am I getting screwed? Is this overcharge normal for agents? Thanks!", "url": "https://reddit.com/r/Insurance/comments/1qdnag3/massive_difference_in_insurance_cost_between/" }, { "title": "Renters insurance, Apartmentt wants to be listed as requestor", "subreddit": "Insurance", "num_comments": 2, "score": 0.942, "selftext": "I'm currently in the process of moving to a new apartment. I submitted by renter's insurance listing them as the \"additional insured\". They said this was incorrect and instructed me to remove them as the \"additional insured\" and list them as \"requestor\". I contacted my insurance provider and were confused about this request. Can anyone explain why they would want this?", "url": "https://reddit.com/r/Insurance/comments/1r24br2/renters_insurance_apartmentt_wants_to_be_listed/" }, { "title": "I've been paying 2 duplicate homeowners policies for 6 years.", "subreddit": "Insurance", "num_comments": 36, "score": 0.924, "selftext": "In 2020, I switched homeowners insurance providers. The original policy was never removed from my escrow account. Today, I realized I've been paying for both policies: one through escrow, one through my credit card. Near-identical coverage on both policies, thousands of dollars in premiums. Is there any chance I could recover the premiums I paid to one of these companies? Located in New Mexico, USA and feeling incredibly stupid.", "url": "https://reddit.com/r/Insurance/comments/1r1k2a7/ive_been_paying_2_duplicate_homeowners_policies/" }, { "title": "Experience with Home Insurance in Hawaii", "subreddit": "Insurance", "num_comments": 1, "score": 0.898, "selftext": "Going to be purchasing a long-term rental property on the Big Island about 45 min south of Kona and looking for advice on insurance or which carrier would be best?\n\nDetails below, though I can provide more if needed. \n\nProperty sits in a lava zone 2. \n\nI was quote $7800 annually but would like to do more due diligence before accepting the quote. ", "url": "https://reddit.com/r/Insurance/comments/1r1pmc4/experience_with_home_insurance_in_hawaii/" }, { "title": "Homeowners insurance...?", "subreddit": "BuyItForLife", "num_comments": 13, "score": 0.898, "selftext": "My rates with Liberty are going up over 1k this year, and it has me ready to shop around. I'm wondering, who is the BIFL homeowners insurance provider? I'm assuming it's not one of the big players that advertises during the Superbowl.", "url": "https://reddit.com/r/BuyItForLife/comments/1r1m48u/homeowners_insurance/" }, { "title": "What makes you switch your car insurance provider?", "subreddit": "Insurance", "num_comments": 3, "score": 0.896, "selftext": "Is it pricing? Claims experience? Customer service?\n\nOr do most people just stay with the same insurer out of convenience?", "url": "https://reddit.com/r/Insurance/comments/1r1ss6z/what_makes_you_switch_your_car_insurance_provider/" }, { "title": "Homeowner's insurance cancellation", "subreddit": "Insurance", "num_comments": 10, "score": 0.882, "selftext": "I'm stuck in a weird situation switching homeowner's insurance. \n\n \nMy old policy is ending so I decided to shop for a new carrier. New broker found a better deal for me so I signed up and paid for it. My old broker is requesting a formal cancellation using ACORD 35. Said I would get billed if not completed. \n\nMy new broker is taking her sweet time completing it. So, I took initiative and spoke with my old insurance directly and emailed a cancellation request (with declaration). \n\nWhat are my o", "url": "https://reddit.com/r/Insurance/comments/1qvv0r1/homeowners_insurance_cancellation/" }, { "title": "Where the hell can I find PLPD insurance?", "subreddit": "Insurance", "num_comments": 2, "score": 0.87, "selftext": "Looking to buy a used car in the next 3-6 months in the range of 6-10k. Because of this low price range, I don't want to be making high insurance payments which defeat the purpose of owning a low-cost vehicle. I've scoured the internet looking for even a single website that either offers or will guide me to a PLPD insurance quote, but every time I'm redirected to Progressive, GEICO, or another major company's website offering quotes well above basic coverage. Anyone have a site? (EDIT: was not a", "url": "https://reddit.com/r/Insurance/comments/1r1inam/where_the_hell_can_i_find_plpd_insurance/" }, { "title": "Insurance Quote Advice", "subreddit": "Insurance", "num_comments": 2, "score": 0.86, "selftext": "I received two quotes from the same company as I was originally dealing with different broker, from the same company, with same property information, any idea why the coverage limit amounts are different? Is it obviously worth it to switch back to the original broker (Option 2) with higher limits? \n\nOption 1: $2011 Premium\n\nYour coverages\n\nDwelling (coverage A)\n\n$421,100\n\nOther structures (coverage B)\n\n$42,110\n\nPersonal property (coverage C)\n\n$210,550\n\nAdditional living expenses (coverage D)\n\n$8", "url": "https://reddit.com/r/Insurance/comments/1r1hjdl/insurance_quote_advice/" }, { "title": "Any U.S. auto insurance companies out there who will factor in working remotely into pricing?", "subreddit": "Insurance", "num_comments": 15, "score": 0.85, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1qcuzjr/any_us_auto_insurance_companies_out_there_who/" }, { "title": "Commercial Auto Insurance - Need Help", "subreddit": "Insurance", "num_comments": 12, "score": 0.848, "selftext": "I have a pool service business with approx 57 vehicles. We use a commercial insurance broker and it seems that CNA is the only game in town. We've had losses, some decent. Our premium has gone from about $100k in 2021 to about $300k for 2026, with the same number of vehicles. State farm has declined to quote it. Our broker is talking about a captive that we might qualify for but it hasn't happened yet.\n\nWhat are my options? I worry that CNA might just go up and up, or even worse decline to cover", "url": "https://reddit.com/r/Insurance/comments/1r13i6p/commercial_auto_insurance_need_help/" }, { "title": "Good Roadside Assistance companies?", "subreddit": "Frugal", "num_comments": 34, "score": 0.838, "selftext": "My free trial for OnStar is about to expire and it will be $53 a month. That includes being able to start the car, roadside assistance, etc. \n\nI see that my car insurance through State Farm has roadside assistance. Does anyone have experience or know if when you utilize roadside it\u2019s considered a \u201cclaim\u201d and your insurance goes up? \n\nTriple A is another company I\u2019ll be looking at but just curious what else is out there. Obviously I\u2019m not paying no $53 to remote start the car and being able to ge", "url": "https://reddit.com/r/Frugal/comments/1qv1v8o/good_roadside_assistance_companies/" }, { "title": "Insurance billing questions?", "subreddit": "Insurance", "num_comments": 0, "score": 0.83, "selftext": "I have a group private practice and have worked with 7+ (PT, OT and ST) practices so I have seen a range of billing issues. I\u2019m curious what kind of billing issues other rehab therapy practices are running into? ", "url": "https://reddit.com/r/Insurance/comments/1r1d4jd/insurance_billing_questions/" }, { "title": "Auto Insurance.. Progressive or All State?", "subreddit": "Insurance", "num_comments": 1, "score": 0.8220000000000001, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1r1ccna/auto_insurance_progressive_or_all_state/" }, { "title": "Why is State Farm dropping the Defensive Driving discount?", "subreddit": "Insurance", "num_comments": 19, "score": 0.806, "selftext": "In Texas, anyway, State Farm has moved to a new billing system, and apparently there is no longer a Defensive Driving discount offered. Why..? Are all insurance carriers going to do this..? I had a year left on my discount. T\\_T", "url": "https://reddit.com/r/Insurance/comments/1qplnjk/why_is_state_farm_dropping_the_defensive_driving/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 20, "cross_source_count": 1, "reddit_post_count": 20, "question_signal_count": 20, "has_question_signal": true }, { "cluster_id": 77, "topics": [ { "topic_name": "[US] Scammers sent me a penny to avoid email spam filters", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/Scams/comments/1qfxht9/us_scammers_sent_me_a_penny_to_avoid_email_spam/", "signal_type": "question" }, { "topic_name": "[US] Green card marriage scam that got VERY bad", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/Scams/comments/1qfcqtb/us_green_card_marriage_scam_that_got_very_bad/", "signal_type": "question" }, { "topic_name": "[us] scammed by a Reddit user of 13 years ago, tons of karma. Lesson learned.", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/Scams/comments/1r19wss/us_scammed_by_a_reddit_user_of_13_years_ago_tons/", "signal_type": "question" }, { "topic_name": "[US] I just fell for a phone scam", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/Scams/comments/1qrpc0y/us_i_just_fell_for_a_phone_scam/", "signal_type": "question" }, { "topic_name": "[US] Failed credit union scam attempt - Don't make my mistakes!", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/Scams/comments/1qnkzfp/us_failed_credit_union_scam_attempt_dont_make_my/", "signal_type": "question" }, { "topic_name": "[US] fell for punchbowl email scam", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/Scams/comments/1r1gdl2/us_fell_for_punchbowl_email_scam/", "signal_type": "question" }, { "topic_name": "[US] Scammer calling \u201cwelfare check\u201d on victim", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/Scams/comments/1r0nbov/us_scammer_calling_welfare_check_on_victim/", "signal_type": "question" }, { "topic_name": "[US]Rushmypassport is such a scam", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/Scams/comments/1r1non6/usrushmypassport_is_such_a_scam/", "signal_type": "question" }, { "topic_name": "[US] Recovery Scammer Contacting Partner After Cut Off", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/Scams/comments/1r11kbg/us_recovery_scammer_contacting_partner_after_cut/", "signal_type": "question" }, { "topic_name": "[US] What was the scam? Phone dead. Can I use yours? Fakes knowing exactly what bar she is at.", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/Scams/comments/1qf2fal/us_what_was_the_scam_phone_dead_can_i_use_yours/", "signal_type": "question" }, { "topic_name": "[US] My wife was scammed on fb marketplace", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/Scams/comments/1qumh1p/us_my_wife_was_scammed_on_fb_marketplace/", "signal_type": "question" }, { "topic_name": "[US] Unknowingly Involved in Money Mule Scam", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/Scams/comments/1qqfld3/us_unknowingly_involved_in_money_mule_scam/", "signal_type": "question" }, { "topic_name": "[US] Phishing Scam Emails From REAL Apple", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/Scams/comments/1qfhp2n/us_phishing_scam_emails_from_real_apple/", "signal_type": "question" }, { "topic_name": "Took my power back and came out on top (USA puppy scam)", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/Scams/comments/1qv6kop/took_my_power_back_and_came_out_on_top_usa_puppy/", "signal_type": "question" }, { "topic_name": "[US] Really good PayPal phishing scam, beware!", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/Scams/comments/1qpd7sj/us_really_good_paypal_phishing_scam_beware/", "signal_type": "question" }, { "topic_name": "HELP My Dad is mid scam right now!!!", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/Scams/comments/1qin2gr/help_my_dad_is_mid_scam_right_now/", "signal_type": "question" }, { "topic_name": "[US] Are Official Email Checks a real thing?", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/Scams/comments/1qdye7t/us_are_official_email_checks_a_real_thing/", "signal_type": "question" }, { "topic_name": "US Mint denied claim for misdelivered/stolen package and I'm out ~$3,000", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/legaladvice/comments/1r1fjd3/us_mint_denied_claim_for_misdeliveredstolen/", "signal_type": "question" }, { "topic_name": "[US] What happens to a Money Mule keeps all the money in the box?", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/Scams/comments/1r1lnsn/us_what_happens_to_a_money_mule_keeps_all_the/", "signal_type": "question" } ], "reddit_posts": [ { "title": "[US] Scammers sent me a penny to avoid email spam filters", "subreddit": "Scams", "num_comments": 94, "score": 0.988, "selftext": "This was a new one for me. I got an email from \"PayPal\" that somebody sent me $0.01. The full email address matched the genuine PP one. I opened a new window and logged into my PP account (no clicking any links). I have 2FA so normal login process and right there on my front page, I see the transaction that includes the note from R... J... about the mythical $499.99 payment. And the \"kindly\" \ud83d\udea8\ud83d\udea9along with a phone number for the \"PayPal Billing Team\".\n\nObviously there was no $499.99 transaction a", "url": "https://reddit.com/r/Scams/comments/1qfxht9/us_scammers_sent_me_a_penny_to_avoid_email_spam/" }, { "title": "[US] Green card marriage scam that got VERY bad", "subreddit": "Scams", "num_comments": 103, "score": 0.986, "selftext": "Met a woman on a dating app and fell in love. She claimed she didn't need a green card, but later it turned out her initial immigration plan fell through and she HAS to get married if we are to keep dating. While initially entertaining this as I was very much in love, I eventually declined which caused a dramatic shouting on her side and a breakup. I have not seen the woman since except once on the street by accident.\n\nThree months later I got arrested with false accusations of assult that supp", "url": "https://reddit.com/r/Scams/comments/1qfcqtb/us_green_card_marriage_scam_that_got_very_bad/" }, { "title": "[us] scammed by a Reddit user of 13 years ago, tons of karma. Lesson learned.", "subreddit": "Scams", "num_comments": 35, "score": 0.96, "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", "url": "https://reddit.com/r/Scams/comments/1r19wss/us_scammed_by_a_reddit_user_of_13_years_ago_tons/" }, { "title": "[US] I just fell for a phone scam", "subreddit": "Scams", "num_comments": 66, "score": 0.952, "selftext": "I'm so mad at myself. Just the other day, I was thinking how vigilant I am about scams...\n\nI have a relative who was jailed today. We were expecting her to be granted release the same day so I was waiting for a call from the jail notifying me of the judge's decision. I received a call from someone claiming to be from the Sheriff's Department who knew her name and charges. They said she was approved for release subject to paying some fines (Yes, I know how that sounds now...).\n\nThey tried to take", "url": "https://reddit.com/r/Scams/comments/1qrpc0y/us_i_just_fell_for_a_phone_scam/" }, { "title": "[US] Failed credit union scam attempt - Don't make my mistakes!", "subreddit": "Scams", "num_comments": 26, "score": 0.9319999999999999, "selftext": "I hang around in this sub a lot and I like to offer advice to others when I can. I experienced a scam attempt on Sunday demonstrating to me just how good these people can be when trying to convince you they are genuine.\n\nIn the middle of Sunday's playoff game, I received a text message from my credit union (specifically named), asking if I made a $240 purchase at a Target in Lansing, Michigan (I'm in Florida). This account's debit card had been compromised at least three times previously, so it ", "url": "https://reddit.com/r/Scams/comments/1qnkzfp/us_failed_credit_union_scam_attempt_dont_make_my/" }, { "title": "[US] fell for punchbowl email scam", "subreddit": "Scams", "num_comments": 9, "score": 0.914, "selftext": "smh my dumbass fell for an obvious phishing.\n\ngot an email from a friend that was supposedly an invite to an event; clinked on the link that even had captcha verification. upon successful verification, it brought me to what appeared to be the google login page. only after logging in and seeing an error message pop up, i realized the link had a \".ru\" on the domain.\n\nhow screwed am i? im checking on my google activity rn, and I dont see anything suspicious i changed the password and enabled 2 step", "url": "https://reddit.com/r/Scams/comments/1r1gdl2/us_fell_for_punchbowl_email_scam/" }, { "title": "[US] Scammer calling \u201cwelfare check\u201d on victim", "subreddit": "Scams", "num_comments": 11, "score": 0.882, "selftext": "So for context, my 72-year-old grandmother lives with my parents. Long story short, she got heavily involved in a stolen identity + a iPhone purchase scam. The scammer wanted her to buy two new iPhones and mail them to who knows where.\n\nWe caught on, locked down her devices, changed her passwords & logins, etc, and thought that was the end of it\u2026Then the cops showed up at our doorstep. They said they were responding to a report of a \u201cdomestic violence incident.\u201d\n\nThings were a little tense a", "url": "https://reddit.com/r/Scams/comments/1r0nbov/us_scammer_calling_welfare_check_on_victim/" }, { "title": "[US]Rushmypassport is such a scam", "subreddit": "Scams", "num_comments": 21, "score": 0.876, "selftext": "I purchased a '2-day' passport service from a private company but decided to cancel two days later after reading negative reviews. I cancelled within 72 hours and was assured a refund within 5 business days. It has now been 3 weeks, and they are stalling with 'delays.' I am extremely frustrated. Fortunately, I went to a local agency and secured my passport in 3 days for $400, so the private service is definitely not needed. I am considering reporting the transaction as fraudulent to my bank, but", "url": "https://reddit.com/r/Scams/comments/1r1non6/usrushmypassport_is_such_a_scam/" }, { "title": "[US] Recovery Scammer Contacting Partner After Cut Off", "subreddit": "Scams", "num_comments": 4, "score": 0.872, "selftext": "So, This morning my wife got a text from a scammer we'd already cut all communication from after about couple of months, and now she's worried, so i wanted to ask just so i can put her mind at ease\n\n\\- Why would they contact her? Or rather, *how* are they contacting her and would she have to change her number? \n\n\\- Would they be able to get The number of our kids or relatives? She's worried about extortion if that happens?\n\n \nThanks for reading and replying, It just has her spooked and we wante", "url": "https://reddit.com/r/Scams/comments/1r11kbg/us_recovery_scammer_contacting_partner_after_cut/" }, { "title": "[US] What was the scam? Phone dead. Can I use yours? Fakes knowing exactly what bar she is at.", "subreddit": "Scams", "num_comments": 44, "score": 0.864, "selftext": "Sitting at the bar. Lady with no credit card , no car, says phone is dead. Uses my friends phone. Tells her husband/bf I am at the bar and acts like she doesn\u2019t know exactly where she is at. Husband/bf on other end says be there in a couple hours.\n\nWe left the bar.", "url": "https://reddit.com/r/Scams/comments/1qf2fal/us_what_was_the_scam_phone_dead_can_i_use_yours/" }, { "title": "[US] My wife was scammed on fb marketplace", "subreddit": "Scams", "num_comments": 37, "score": 0.86, "selftext": "So long story short my wife did 0 research and sent this seller on fb 300$ for a deposit for a dog. Giving my wife\u2019s phone number, our apartment number along with address.(for contract for the dog).We drove 6 hours to find out this didn\u2019t exist and we knocked on some random guys door. A day later an unknown number called my wife saying it\u2019s \u201csellers name\u201d were down the road with your dog.(dog we were going to get). I love your \u201clist my wife\u2019s suv and color, I\u2019d love to go for a ride in it\u201d and h", "url": "https://reddit.com/r/Scams/comments/1qumh1p/us_my_wife_was_scammed_on_fb_marketplace/" }, { "title": "[US] Unknowingly Involved in Money Mule Scam", "subreddit": "Scams", "num_comments": 59, "score": 0.85, "selftext": "I unknowingly became involved in a money mule scam after receiving an email that appeared to come through my school, which led me to believe it was legitimate. Since I had just finished my first semester and was new to handling situations involving employment and finances, I trusted the opportunity and did not initially recognize any warning signs.\n\nI began receiving money on January 11, 2026, and the activity ended on January 28, 2026. Each time I received funds, I was instructed to transfer th", "url": "https://reddit.com/r/Scams/comments/1qqfld3/us_unknowingly_involved_in_money_mule_scam/" }, { "title": "[US] Phishing Scam Emails From REAL Apple", "subreddit": "Scams", "num_comments": 23, "score": 0.844, "selftext": "I want to warn everyone about a phishing scam targeting Apple users. I\u2019ve been getting emails claiming charges on iCloud or ApplePay. They look super convincing even with verification check marks but they\u2019re fake.\n\nI didn\u2019t click any links and checked the sender info online. When I contacted Apple Support, the rep even insisted these were my accounts during a screen share, which was confusing and could be risky for less cautious people. Eventually, I was advised to report the emails as phishing.", "url": "https://reddit.com/r/Scams/comments/1qfhp2n/us_phishing_scam_emails_from_real_apple/" }, { "title": "Took my power back and came out on top (USA puppy scam)", "subreddit": "Scams", "num_comments": 13, "score": 0.838, "selftext": "About a month ago I feel victim to a puppy scam, I shelled out $1000 for a golden retriever puppy to become a service dog. I was devastated and angry. (The dog never existed)\n\nI\u2019m happy to report a month later, I have the sweetest 6 year old standard poodle rescue who\u2019s doing amazing in her training. I have gotten half my money back and hopeful to get the rest. I have the regular police, cyber crime police, and state general attorney after this scam page. And have saved atleast one person from t", "url": "https://reddit.com/r/Scams/comments/1qv6kop/took_my_power_back_and_came_out_on_top_usa_puppy/" }, { "title": "[US] Really good PayPal phishing scam, beware!", "subreddit": "Scams", "num_comments": 11, "score": 0.832, "selftext": "I will start this by saying I am a very computer literate person, so this scam to me was absolutely wild.\n\nI woke up to find several emails from the official PayPal email regarding a new account opened with someone whose name was not mine. All the emails were from THE official PayPal service email to me. I called PayPal to report the suspicious activity in the morning when they opened, they told me it is absolutely impossible for someone to make a new account using my email. I went back to the e", "url": "https://reddit.com/r/Scams/comments/1qpd7sj/us_really_good_paypal_phishing_scam_beware/" }, { "title": "HELP My Dad is mid scam right now!!!", "subreddit": "Scams", "num_comments": 43, "score": 0.81, "selftext": "UPDATE: We caught it in time thank goodness!! Taking all sorts of crazy precautions so this doesn't happen again.\n\nMy father (84) got an email from chase saying to call him about a paypal dispute. He called the # and ended up giving them his bank account info (Satander). They said they accidentally put 25k into his account and he needs to wire them 25k tomorrow. All of his passwords are cleared out of his PC and we can't log into anything. We are trying to reset passwords for his email account a", "url": "https://reddit.com/r/Scams/comments/1qin2gr/help_my_dad_is_mid_scam_right_now/" }, { "title": "[US] Are Official Email Checks a real thing?", "subreddit": "Scams", "num_comments": 124, "score": 0.994, "selftext": "My daughter got a part time gig with a research professor in another state. He emailed her first payment today with an email check, with instructions saying that this is valid for mobile deposit. I'm thinking it's a scam.\n\nOther things that suggest it's a scam...\n\nHe paid extra so she could \"subscribe to a service for the next task\". I'm assuming the checks will fail to go through and she'll be out the subscription fee (plus the subscription service now having her financial details).\n\nThe email ", "url": "https://reddit.com/r/Scams/comments/1qdye7t/us_are_official_email_checks_a_real_thing/" }, { "title": "US Mint denied claim for misdelivered/stolen package and I'm out ~$3,000", "subreddit": "LegalAdvice", "num_comments": 34, "score": 0.974, "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", "url": "https://reddit.com/r/legaladvice/comments/1r1fjd3/us_mint_denied_claim_for_misdeliveredstolen/" }, { "title": "[US] What happens to a Money Mule keeps all the money in the box?", "subreddit": "Scams", "num_comments": 26, "score": 0.868, "selftext": "Hi I was watching some trilogy media, and I became curious\u2026 what would happen if a money mule took the money from the box, and decided to keep all of it. \n\nI assume the scammers ask for their license or something to discourage this behavior (because they know who you are) but what if you gave a fake ID etc. \n\nWhat would the scammers do to get that money or would they just assume it\u2019s lost? Would law enforcement be able to track the money mule and discover the contraband? \n\nJust thought I would a", "url": "https://reddit.com/r/Scams/comments/1r1lnsn/us_what_happens_to_a_money_mule_keeps_all_the/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 19, "cross_source_count": 1, "reddit_post_count": 19, "question_signal_count": 19, "has_question_signal": true }, { "cluster_id": 68, "topics": [ { "topic_name": "Facebook now tricks you to accidentally click on their ads. Something I've noticed past month or two", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/darkpatterns/comments/1qyvfj0/facebook_now_tricks_you_to_accidentally_click_on/", "signal_type": "question" }, { "topic_name": "We can't even pump fuel anymore without holding a digital billboard (Netherlands)", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/assholedesign/comments/1qlx7wz/we_cant_even_pump_fuel_anymore_without_holding_a/", "signal_type": "question" }, { "topic_name": "Completely covering your ONLY menu with ADS", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/assholedesign/comments/1q6cv21/completely_covering_your_only_menu_with_ads/", "signal_type": "question" }, { "topic_name": "Unskippable ads at volumes dangerous to hearing, and that's not the worst part.", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/assholedesign/comments/1q051g9/unskippable_ads_at_volumes_dangerous_to_hearing/", "signal_type": "question" }, { "topic_name": "reddit ads imitating blurred posts is mildly insidious", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/darkpatterns/comments/1nrexiv/reddit_ads_imitating_blurred_posts_is_mildly/", "signal_type": "question" }, { "topic_name": "[ios] why are my ad categories turning back on after i turn them off?- app ver: 2025.31.1", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/darkpatterns/comments/1mk7osz/ios_why_are_my_ad_categories_turning_back_on/", "signal_type": "question" }, { "topic_name": "Ad pauses to show install prompt, forcing you to watch to close it when it appears.", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/darkpatterns/comments/1ma7qil/ad_pauses_to_show_install_prompt_forcing_you_to/", "signal_type": "question" }, { "topic_name": "My car is getting advertisements now?", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/assholedesign/comments/1p1ayrr/my_car_is_getting_advertisements_now/", "signal_type": "question" }, { "topic_name": "Apparently my samsung fridge has ads now...", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/assholedesign/comments/1ow6cpu/apparently_my_samsung_fridge_has_ads_now/", "signal_type": "question" }, { "topic_name": "instagram changed it from a clearly visible \"sponsored\" to a barely noticeable \"ad\"", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/assholedesign/comments/1owpu4f/instagram_changed_it_from_a_clearly_visible/", "signal_type": "question" }, { "topic_name": "YouTube doesn't want you to see which tab is chosen", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/darkpatterns/comments/1k9bhb6/youtube_doesnt_want_you_to_see_which_tab_is_chosen/", "signal_type": "question" }, { "topic_name": "Don't like your ads? give us your private info so we can keep giving you more ads as a feature!", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/darkpatterns/comments/1jdiwnr/dont_like_your_ads_give_us_your_private_info_so/", "signal_type": "question" }, { "topic_name": "Apple Reportedly Moving Ahead With Ads in Maps App", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/assholedesign/comments/1oig4wq/apple_reportedly_moving_ahead_with_ads_in_maps_app/", "signal_type": "question" }, { "topic_name": "Volkswagen is showing you now pop-up Ads of a grocery store while covering up the car navigation", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/assholedesign/comments/1oee2iz/volkswagen_is_showing_you_now_popup_ads_of_a/", "signal_type": "question" }, { "topic_name": "Tiktok buffers after the ads", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/darkpatterns/comments/1iw3ym6/tiktok_buffers_after_the_ads/", "signal_type": "question" }, { "topic_name": "YouTube automatically playing shorts when reopening app.", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/darkpatterns/comments/1ibmm7u/youtube_automatically_playing_shorts_when/", "signal_type": "question" }, { "topic_name": "Hulu ads will replay over and over if you scrub through the video, making it impossible to comfortably scroll through content YOUVE PAID FOR.", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/assholedesign/comments/1o2nchy/hulu_ads_will_replay_over_and_over_if_you_scrub/", "signal_type": "question" }, { "topic_name": "Roku making it appear that you have no option but consenting to their \u201cBetter Smart TV Experience\u201d AKA tracking for tailored advertisements.", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/assholedesign/comments/1o03rz3/roku_making_it_appear_that_you_have_no_option_but/", "signal_type": "question" }, { "topic_name": "How are ads like this allowed ffs", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/assholedesign/comments/1nv5378/how_are_ads_like_this_allowed_ffs/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Facebook now tricks you to accidentally click on their ads. Something I've noticed past month or two", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.99, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1qyvfj0/facebook_now_tricks_you_to_accidentally_click_on/" }, { "title": "We can't even pump fuel anymore without holding a digital billboard (Netherlands)", "subreddit": "assholedesign", "num_comments": 758, "score": 0.986, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1qlx7wz/we_cant_even_pump_fuel_anymore_without_holding_a/" }, { "title": "Completely covering your ONLY menu with ADS", "subreddit": "assholedesign", "num_comments": 121, "score": 0.944, "selftext": "Was at a Walmart subway trying to order & they would legit cover their entire menu with promos. Even when the whole thing wasn't covered I would be looking at the new \"Fresh Fit\" offerings & they run an AD RIGHT OVER those sandwiches (pic 2-3) Made ordering WAY more annoying than it should be", "url": "https://reddit.com/r/assholedesign/comments/1q6cv21/completely_covering_your_only_menu_with_ads/" }, { "title": "Unskippable ads at volumes dangerous to hearing, and that's not the worst part.", "subreddit": "assholedesign", "num_comments": 33, "score": 0.928, "selftext": "Microsoft Mahjong charges money to play in fullscreen mode and the ads take up more space than the game's tiles. Now both my eyes and ears hurt. ", "url": "https://reddit.com/r/assholedesign/comments/1q051g9/unskippable_ads_at_volumes_dangerous_to_hearing/" }, { "title": "reddit ads imitating blurred posts is mildly insidious", "subreddit": "darkpatterns", "num_comments": 4, "score": 0.9, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1nrexiv/reddit_ads_imitating_blurred_posts_is_mildly/" }, { "title": "[ios] why are my ad categories turning back on after i turn them off?- app ver: 2025.31.1", "subreddit": "darkpatterns", "num_comments": 4, "score": 0.884, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1mk7osz/ios_why_are_my_ad_categories_turning_back_on/" }, { "title": "Ad pauses to show install prompt, forcing you to watch to close it when it appears.", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.878, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1ma7qil/ad_pauses_to_show_install_prompt_forcing_you_to/" }, { "title": "My car is getting advertisements now?", "subreddit": "assholedesign", "num_comments": 554, "score": 0.874, "selftext": "I just started my car and this pops up. It's a 2022 Jeep Grand Cherokee. Never buying a newer car again because of garbage like this!", "url": "https://reddit.com/r/assholedesign/comments/1p1ayrr/my_car_is_getting_advertisements_now/" }, { "title": "Apparently my samsung fridge has ads now...", "subreddit": "assholedesign", "num_comments": 7870, "score": 0.858, "selftext": "How would I disable this? Might just return it and get a normal one\n\nEdit: how to disable...for now. https://www.samsung.com/us/support/answer/ANS10007562/\n\nEDIT 2: Hello, I am the original poster of the carol AD image from a month ago. I am a male from America and my name is not Carol. The story about a Schizophrenic woman named carol was most likely inspired from the 3rd top comment on this post. Thanks!\n\ninspired Post?: https://www.reddit.com/r/LegalAdviceUK/comments/1pc7999/my_schizophrenic_", "url": "https://reddit.com/r/assholedesign/comments/1ow6cpu/apparently_my_samsung_fridge_has_ads_now/" }, { "title": "instagram changed it from a clearly visible \"sponsored\" to a barely noticeable \"ad\"", "subreddit": "assholedesign", "num_comments": 4, "score": 0.856, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1owpu4f/instagram_changed_it_from_a_clearly_visible/" }, { "title": "YouTube doesn't want you to see which tab is chosen", "subreddit": "darkpatterns", "num_comments": 8, "score": 0.854, "selftext": "Not sure whether it is malfunctioning, or they on purpose want to encourage you to stay to Home screen and watch suggested videos instead of subscription.\n\nCan you confirm this happening on your device?", "url": "https://reddit.com/r/darkpatterns/comments/1k9bhb6/youtube_doesnt_want_you_to_see_which_tab_is_chosen/" }, { "title": "Don't like your ads? give us your private info so we can keep giving you more ads as a feature!", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.844, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1jdiwnr/dont_like_your_ads_give_us_your_private_info_so/" }, { "title": "Apple Reportedly Moving Ahead With Ads in Maps App", "subreddit": "assholedesign", "num_comments": 151, "score": 0.836, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1oig4wq/apple_reportedly_moving_ahead_with_ads_in_maps_app/" }, { "title": "Volkswagen is showing you now pop-up Ads of a grocery store while covering up the car navigation", "subreddit": "assholedesign", "num_comments": 66, "score": 0.83, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1oee2iz/volkswagen_is_showing_you_now_popup_ads_of_a/" }, { "title": "Tiktok buffers after the ads", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.8280000000000001, "selftext": "This does not always happen but when the connection is weak, it's always buffering after an ad. Since you can't go to the next video, you have to watch the advertisement. I'm sure this is intentional. In other words, the last video that is downloaded to your device is always the ad. ", "url": "https://reddit.com/r/darkpatterns/comments/1iw3ym6/tiktok_buffers_after_the_ads/" }, { "title": "YouTube automatically playing shorts when reopening app.", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.8240000000000001, "selftext": "Here's a new annoying thing that YouTube is doing to generate more ad revenue for themselves. Each time I swap to another app, then swap back to YouTube it automatically begins playing shorts, even if I'm in the middle of watching a video already. Had anyone else noticed this?", "url": "https://reddit.com/r/darkpatterns/comments/1ibmm7u/youtube_automatically_playing_shorts_when/" }, { "title": "Hulu ads will replay over and over if you scrub through the video, making it impossible to comfortably scroll through content YOUVE PAID FOR.", "subreddit": "assholedesign", "num_comments": 90, "score": 0.8180000000000001, "selftext": "There are like 3-4 ad breaks per episode, so you can't scrub through the entire episode without getting 2-3 ad breaks at ONCE. It's always the same ads over and over, and you can get them OVER AND OVER limitlessly. \n\nThey did this shit on purpose, and it's been this way for like 6-7 years now. You'd think something would've changed by now, considering you can be forced to watch 8 ads because you wanted to replay a part of the video.", "url": "https://reddit.com/r/assholedesign/comments/1o2nchy/hulu_ads_will_replay_over_and_over_if_you_scrub/" }, { "title": "Roku making it appear that you have no option but consenting to their \u201cBetter Smart TV Experience\u201d AKA tracking for tailored advertisements.", "subreddit": "assholedesign", "num_comments": 47, "score": 0.81, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1o03rz3/roku_making_it_appear_that_you_have_no_option_but/" }, { "title": "How are ads like this allowed ffs", "subreddit": "assholedesign", "num_comments": 206, "score": 0.802, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1nv5378/how_are_ads_like_this_allowed_ffs/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 19, "cross_source_count": 1, "reddit_post_count": 19, "question_signal_count": 19, "has_question_signal": true }, { "cluster_id": 56, "topics": [ { "topic_name": "I got a vasectomy 8 months ago and I don't regret it", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/povertyfinance/comments/1r1f7b5/i_got_a_vasectomy_8_months_ago_and_i_dont_regret/", "signal_type": "question" }, { "topic_name": "Budgeting isnt hard staying motivated is", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/povertyfinance/comments/1r1p699/budgeting_isnt_hard_staying_motivated_is/", "signal_type": "question" }, { "topic_name": "How do you stay motivated when portfolio fluctuates by more than two months pay in a single day?", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/financialindependence/comments/1qy3nfx/how_do_you_stay_motivated_when_portfolio/", "signal_type": "question" }, { "topic_name": "Being broke but \u201cfinancially literate\u201d is a weird place to be", "source": "reddit", "region": "global", "score": 0.954, "url": "https://reddit.com/r/povertyfinance/comments/1qjrgew/being_broke_but_financially_literate_is_a_weird/", "signal_type": "question" }, { "topic_name": "I love learning and being educated!! \ud83d\ude44", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/antiMLM/comments/1r02313/i_love_learning_and_being_educated/", "signal_type": "question" }, { "topic_name": "Anyone else stuck in survival mode even after things improve", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/povertyfinance/comments/1r1bkcd/anyone_else_stuck_in_survival_mode_even_after/", "signal_type": "question" }, { "topic_name": "I\u2019m doing 'okay' on paper but still feel weirdly anxious about spending any money", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/personalfinance/comments/1qi8uyx/im_doing_okay_on_paper_but_still_feel_weirdly/", "signal_type": "question" }, { "topic_name": "22 Year Old Savings Habits", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/povertyfinance/comments/1qdx3mo/22_year_old_savings_habits/", "signal_type": "question" }, { "topic_name": "Delayed career start due to PhD, panic mode enabled", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/personalfinance/comments/1qqlfg5/delayed_career_start_due_to_phd_panic_mode_enabled/", "signal_type": "question" }, { "topic_name": "I saved my first $10k at 30yo.", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/povertyfinance/comments/1qtnwhs/i_saved_my_first_10k_at_30yo/", "signal_type": "question" }, { "topic_name": "Too addicted to saving money?", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/personalfinance/comments/1qcq62h/too_addicted_to_saving_money/", "signal_type": "question" }, { "topic_name": "Me making good financial decisions for 6 months straight", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/Frugal/comments/1qdc5p9/me_making_good_financial_decisions_for_6_months/", "signal_type": "question" }, { "topic_name": "I don\u2019t think people stopped saving because they became irresponsible. I think the system made saving impossible.", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/povertyfinance/comments/1qde5h3/i_dont_think_people_stopped_saving_because_they/", "signal_type": "question" }, { "topic_name": "What\u2019s one small habit that helped you save money without feeling miserable?", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/Frugal/comments/1qrz9js/whats_one_small_habit_that_helped_you_save_money/", "signal_type": "question" }, { "topic_name": "Engagement ring costs? (Dollar amount and % of income)", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/financialindependence/comments/1qlzy50/engagement_ring_costs_dollar_amount_and_of_income/", "signal_type": "question" }, { "topic_name": "Is saving small amounts actually helpful, or does it just feel discouraging?", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/povertyfinance/comments/1r1grkq/is_saving_small_amounts_actually_helpful_or_does/", "signal_type": "question" }, { "topic_name": "Moving the Financial Goal Posts", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/financialindependence/comments/1qiw2b2/moving_the_financial_goal_posts/", "signal_type": "question" }, { "topic_name": "Money stress affects decision-making more than people admit", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/povertyfinance/comments/1r0qgfb/money_stress_affects_decisionmaking_more_than/", "signal_type": "question" }, { "topic_name": "Money habits are hard because they are invisible", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/Frugal/comments/1qeblws/money_habits_are_hard_because_they_are_invisible/", "signal_type": "question" } ], "reddit_posts": [ { "title": "I got a vasectomy 8 months ago and I don't regret it", "subreddit": "povertyfinance", "num_comments": 165, "score": 0.986, "selftext": "My whole life I've just barely gotten by. I'm almost 40 and the most I've made in a single year is $48k (before taxes).\n\nAbout a year ago I realized that I may never have the money to be able to raise a child in a way that I could feel good about. \n\nThen I thought about the kind of world that child would stand to inherit. Costs keep increasing, while wages stagnate. Many expect record unemployment in the coming years thanks to AI. Then there's the rise of authoritarianism...\n\nI wouldn't necessar", "url": "https://reddit.com/r/povertyfinance/comments/1r1f7b5/i_got_a_vasectomy_8_months_ago_and_i_dont_regret/" }, { "title": "Budgeting isnt hard staying motivated is", "subreddit": "povertyfinance", "num_comments": 31, "score": 0.976, "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", "url": "https://reddit.com/r/povertyfinance/comments/1r1p699/budgeting_isnt_hard_staying_motivated_is/" }, { "title": "How do you stay motivated when portfolio fluctuates by more than two months pay in a single day?", "subreddit": "financialindependence", "num_comments": 36, "score": 0.97, "selftext": "Whether 2% up or 2% down, it's like, what is even the point?", "url": "https://reddit.com/r/financialindependence/comments/1qy3nfx/how_do_you_stay_motivated_when_portfolio/" }, { "title": "Being broke but \u201cfinancially literate\u201d is a weird place to be", "subreddit": "povertyfinance", "num_comments": 219, "score": 0.954, "selftext": "I know what i should do, i just dont see immediate benefits from doing it.", "url": "https://reddit.com/r/povertyfinance/comments/1qjrgew/being_broke_but_financially_literate_is_a_weird/" }, { "title": "I love learning and being educated!! \ud83d\ude44", "subreddit": "antiMLM", "num_comments": 3, "score": 0.946, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1r02313/i_love_learning_and_being_educated/" }, { "title": "Anyone else stuck in survival mode even after things improve", "subreddit": "povertyfinance", "num_comments": 16, "score": 0.944, "selftext": "I spent most of my adult life thinking financial stability was something meant for other people.\n\nRetail work, student loans, rent eating half my paycheck. My goal was never getting ahead. It was just making it to the next month without something breaking or over drafting.\n\nRecently, something happened that took away the biggest monthly pressure I have ever had. What surprised me was not the relief. It was how hard it is to stop thinking like I am still in survival mode.\n\nI still hesitate at the", "url": "https://reddit.com/r/povertyfinance/comments/1r1bkcd/anyone_else_stuck_in_survival_mode_even_after/" }, { "title": "I\u2019m doing 'okay' on paper but still feel weirdly anxious about spending any money", "subreddit": "personalfinance", "num_comments": 62, "score": 0.94, "selftext": "I\u2019m in my late 20s and for the first time in my life my finances are fine. Not amazing, not rich, but fine. I have a steady job, no credit card debt, and I\u2019ve managed to save a decent emergency fund. Nothing crazy, but enough that if something breaks, I\u2019m not panicking. \nAnd yet, I still feel stressed every time I spend money. Last night I was sitting on the couch playing on rolling riches and my bank app sent one of those weekly summaries. I looked at my balances and thought, okay, objectively", "url": "https://reddit.com/r/personalfinance/comments/1qi8uyx/im_doing_okay_on_paper_but_still_feel_weirdly/" }, { "title": "22 Year Old Savings Habits", "subreddit": "povertyfinance", "num_comments": 218, "score": 0.924, "selftext": "Hey everyone! Just turned 22 three days ago! For the past three months I've been using the cash stuffing method in an unorthodox way! (Dude here)\n\nSince losing my Culver's job in November 13th. My savings were wiped out period, I never want to be in that situation again and I want to save money! I always want to have money and never want to not have money. \n\nMy parents and I don't speak anymore due to them taking credit cards out in my name and tanking my credit (never supported me anyway, going", "url": "https://reddit.com/r/povertyfinance/comments/1qdx3mo/22_year_old_savings_habits/" }, { "title": "Delayed career start due to PhD, panic mode enabled", "subreddit": "personalfinance", "num_comments": 179, "score": 0.92, "selftext": "I just finished my PhD in biomedical sciences and will be starting as a scientist at a biotech startup in a MCOL area next month (\\~80K/year + 3% 401k contribution; not great, but startup experience will be valuable). I'm 27 and have never made enough money to really save for retirement/house/family, so that is a priority now. Rent is \\~$1500, and I have a dog (average \\~200/month), a car (paid off, insurance is $100/month), and student loans (30K total; \\~$300/month), and I keep other expenses ", "url": "https://reddit.com/r/personalfinance/comments/1qqlfg5/delayed_career_start_due_to_phd_panic_mode_enabled/" }, { "title": "I saved my first $10k at 30yo.", "subreddit": "povertyfinance", "num_comments": 66, "score": 0.916, "selftext": "I (30f) have saved my first $10k!! Growing up poor, this is huge for me. Obviously took me longer than I anticipated, and I\u2019ve achieved it before with a partner, but after leaving a toxic relationship last year and being 100% self-employed, I did it!! Just needed to tell someone because I can\u2019t tell people in my life without coming across boastful. ", "url": "https://reddit.com/r/povertyfinance/comments/1qtnwhs/i_saved_my_first_10k_at_30yo/" }, { "title": "Too addicted to saving money?", "subreddit": "personalfinance", "num_comments": 129, "score": 0.912, "selftext": "The situation: This sub truly did change my life, and after ten years of following the flow chart I am doing fine. As I pick up extra incomes whether temporary or permanent, I've floated those towards other savings goals as I kept my retirement contributions maxed out. \n\nBut I can't stop myself from chasing the next mundane goal...And it's hurting to spend $20 on myself for a new keychain tool. \n\nFor example: I made the mistake of using index funds as an emergency fund, so I spent the last year ", "url": "https://reddit.com/r/personalfinance/comments/1qcq62h/too_addicted_to_saving_money/" }, { "title": "Me making good financial decisions for 6 months straight", "subreddit": "Frugal", "num_comments": 33, "score": 0.898, "selftext": "Bank account: \ud83d\ude10\n\nStress levels: \ud83d\udcc8\n\nMotivation: \ud83d\udcc9\n\n \nEvery month it feels like my paycheck disappears as soon as it arrives. Groceries, rent, utilities, and little subscriptions add up faster than I expect. Even small daily expenses make it hard to feel any progress, and saving seems impossible.\n\nYet, I keep going. cook more at home, and track every expense. I remind myself that financial progress is not instant. Hopefully, all these small decisions will eventually add up...\n\n", "url": "https://reddit.com/r/Frugal/comments/1qdc5p9/me_making_good_financial_decisions_for_6_months/" }, { "title": "I don\u2019t think people stopped saving because they became irresponsible. I think the system made saving impossible.", "subreddit": "povertyfinance", "num_comments": 88, "score": 0.888, "selftext": "This is something I\u2019ve been thinking about lately.\n\nIn the past, most people didn\u2019t save because they were amazing with money. They saved because after paying rent, food, utilities, and other basic expenses, there was usually some money left over. Saving happened naturally once necessities were covered.\n\nThat leftover money barely exists anymore.\n\nIt feels like big companies have gotten very good at pricing things based on exactly how much people can afford. With better data, pricing algorithms,", "url": "https://reddit.com/r/povertyfinance/comments/1qde5h3/i_dont_think_people_stopped_saving_because_they/" }, { "title": "What\u2019s one small habit that helped you save money without feeling miserable?", "subreddit": "Frugal", "num_comments": 330, "score": 0.888, "selftext": "Not talking about extreme budgeting, cutting out everything enjoyable, or living on the bare minimum. I\u2019m more interested in small, realistic habits that actually stuck over time and made a noticeable difference.\n\nThings like changes in shopping behavior, subscriptions, food choices, travel habits, or daily routines. The kind of adjustments that don\u2019t make life miserable but slowly improve your finances in a sustainable way.\n\nCurious to hear what worked for people in real life, not just in theor", "url": "https://reddit.com/r/Frugal/comments/1qrz9js/whats_one_small_habit_that_helped_you_save_money/" }, { "title": "Engagement ring costs? (Dollar amount and % of income)", "subreddit": "financialindependence", "num_comments": 112, "score": 0.884, "selftext": "I\u2019m curious to see what other financially like minded folks spent on their engagement rings. Please comment how much you spent and what percent of your income that was at the time!\n\nI see an engagement ring as an important symbol of our relationship and something worthy of spending money on especially since it\u2019s a one time purchase. At the same time we both value other life goals more and my girlfriend would be pleased with almost any ring I would get. My budget for the ring is $2k and I make ar", "url": "https://reddit.com/r/financialindependence/comments/1qlzy50/engagement_ring_costs_dollar_amount_and_of_income/" }, { "title": "Is saving small amounts actually helpful, or does it just feel discouraging?", "subreddit": "povertyfinance", "num_comments": 11, "score": 0.882, "selftext": "A lot of advice says \u201csave something, even if it\u2019s small,\u201d but for people living paycheck to paycheck, that can feel pointless or even stressful.\n\nDo small savings really help psychologically or financially, or is focusing on stability and income more important first?", "url": "https://reddit.com/r/povertyfinance/comments/1r1grkq/is_saving_small_amounts_actually_helpful_or_does/" }, { "title": "Moving the Financial Goal Posts", "subreddit": "financialindependence", "num_comments": 44, "score": 0.87, "selftext": "Morning,\n\nfigured I\u2019d connect & see if anyone self-inflicts unnecessary financial stress on themselves, similar to myself. Portfolio aside, I tell myself if I reach \u201cx\u201d value, I can relax. Time passes, I surpass that goal & create a new one. Rinse & Repeat. 35M, close to a 3% FIRE rate, but continue to force myself to accumulate more. Likely a more prevalent issue than I realize, but for those financially diligent, is it ever enough?", "url": "https://reddit.com/r/financialindependence/comments/1qiw2b2/moving_the_financial_goal_posts/" }, { "title": "Money stress affects decision-making more than people admit", "subreddit": "povertyfinance", "num_comments": 9, "score": 0.858, "selftext": "", "url": "https://reddit.com/r/povertyfinance/comments/1r0qgfb/money_stress_affects_decisionmaking_more_than/" }, { "title": "Money habits are hard because they are invisible", "subreddit": "Frugal", "num_comments": 50, "score": 0.832, "selftext": "Improving finances is frustrating because progress is slow and often invisible. You might save 100\u2013200 a month, pay off small debts, or invest modestly and for months it barely feels like anything changes. Unlike fitness or learning a skill, there\u2019s no visible daily payoff, so it's easy to lose motivation not from laziness, but because the effort feels unrewarded. Even consistent actions like saving 150 a month at 5\u20137% returns or cutting minor recurring expenses can feel meaningless when living ", "url": "https://reddit.com/r/Frugal/comments/1qeblws/money_habits_are_hard_because_they_are_invisible/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 19, "cross_source_count": 1, "reddit_post_count": 19, "question_signal_count": 19, "has_question_signal": true }, { "cluster_id": 70, "topics": [ { "topic_name": "[US] SEO Strategist Hiring Scam for One Firefly", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/Scams/comments/1r2dizl/us_seo_strategist_hiring_scam_for_one_firefly/", "signal_type": "question" }, { "topic_name": "Is this job a scam? [US]", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/Scams/comments/1r2aaa5/is_this_job_a_scam_us/", "signal_type": "question" }, { "topic_name": "[US] Scam consulting job opportunities?", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/Scams/comments/1r2a0re/us_scam_consulting_job_opportunities/", "signal_type": "question" }, { "topic_name": "Job scam recruiter after applying to jobs here? https://jobs.centene.com/us/en", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/Scams/comments/1r20mt6/job_scam_recruiter_after_applying_to_jobs_here/", "signal_type": "question" }, { "topic_name": "is USA Relief Group a scam?", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/Scams/comments/1r1j31q/is_usa_relief_group_a_scam/", "signal_type": "question" }, { "topic_name": "[US] Staffing Agency Scam?", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/Scams/comments/1r15k0x/us_staffing_agency_scam/", "signal_type": "question" }, { "topic_name": "Possible Discord Scam?", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/Scams/comments/1r13i1w/possible_discord_scam/", "signal_type": "question" }, { "topic_name": "LinkedIn jobs market turns into huge scam and information theft. BE AWARE!!!", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/Scams/comments/1qcw17b/linkedin_jobs_market_turns_into_huge_scam_and/", "signal_type": "question" }, { "topic_name": "[Canada] Focus Fintrion AI Investing Scam - https://veridianfluxty.info/HD1TGn2c", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/Scams/comments/1r0h1xl/canada_focus_fintrion_ai_investing_scam/", "signal_type": "question" }, { "topic_name": "(USA) Beware of EarthCare- Rent A Tech", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/Scams/comments/1q7uu3b/usa_beware_of_earthcare_rent_a_tech/", "signal_type": "question" }, { "topic_name": "Should I tell this recruiter my SSN?", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/Scams/comments/1qh9j64/should_i_tell_this_recruiter_my_ssn/", "signal_type": "question" }, { "topic_name": "Received a \"DEA\" letter", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/Scams/comments/1qua24u/received_a_dea_letter/", "signal_type": "question" }, { "topic_name": "[CANADA] I got an offer for an interview via imessage.", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/Scams/comments/1r22j75/canada_i_got_an_offer_for_an_interview_via/", "signal_type": "question" }, { "topic_name": "Received an interview from Primerica disguised as another company", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/antiMLM/comments/1qzelsc/received_an_interview_from_primerica_disguised_as/", "signal_type": "question" }, { "topic_name": "[US] I am sus of this exchange", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/Scams/comments/1qi9jre/us_i_am_sus_of_this_exchange/", "signal_type": "question" }, { "topic_name": "(US) Definitely not a legit job offer. BEWARE!", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/Scams/comments/1r12on7/us_definitely_not_a_legit_job_offer_beware/", "signal_type": "question" }, { "topic_name": "[Canada] Canada Direct Calling to ask $40 monthly donations", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/Scams/comments/1qzycy6/canada_canada_direct_calling_to_ask_40_monthly/", "signal_type": "question" } ], "reddit_posts": [ { "title": "[US] SEO Strategist Hiring Scam for One Firefly", "subreddit": "Scams", "num_comments": 2, "score": 0.98, "selftext": "\\*I'm reposting this because my original post featured real names of the people who the scammers were impersonating.\n\nThis story might seem boring at first because, to me at least, it really seemed like I was going through a typical hiring process during 95% of my experience.\n\nI\u00a0received an email shortly after (somewhat desperately) applying for an SEO Strategist position with a company called One Firefly that is based in Florida. The LinkedIn posting was real, and the company is real.\u00a0\n\nThe ema", "url": "https://reddit.com/r/Scams/comments/1r2dizl/us_seo_strategist_hiring_scam_for_one_firefly/" }, { "title": "Is this job a scam? [US]", "subreddit": "Scams", "num_comments": 16, "score": 0.964, "selftext": "I had an interview today for a \u201cHome Improvement Sales & 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", "url": "https://reddit.com/r/Scams/comments/1r2aaa5/is_this_job_a_scam_us/" }, { "title": "[US] Scam consulting job opportunities?", "subreddit": "Scams", "num_comments": 6, "score": 0.962, "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", "url": "https://reddit.com/r/Scams/comments/1r2a0re/us_scam_consulting_job_opportunities/" }, { "title": "Job scam recruiter after applying to jobs here? https://jobs.centene.com/us/en", "subreddit": "Scams", "num_comments": 10, "score": 0.942, "selftext": "I'm pretty sure this is a scam recruiter that's contacting me through gmail, but I can't figure it out and it keeps bugging me. I applied to a data job I found on LinkedIn for a company called Centene Corporation. The LinkedIn page looks normal. I searched for the company's web site, and applied to the job directly. The web site for the job matches what is listed on the wikipedia article for the company, and they use a workday portal to manage job applications.\n\nAfter applying, I get an email a ", "url": "https://reddit.com/r/Scams/comments/1r20mt6/job_scam_recruiter_after_applying_to_jobs_here/" }, { "title": "is USA Relief Group a scam?", "subreddit": "Scams", "num_comments": 17, "score": 0.92, "selftext": "I'm pretty sure it's a scam, pls tell me if im wrong though. I saw the ad on youtube it was a video of this guy basically talking about how he was stuck in the snow storm and couldn't afford to get his kids food.\n\n If you click the video it takes you to this page where you can donate and at the bottom there's a tax id. TAX ID:\u00a035-2220327 which belongs to a mosque in texas, even though if you look at the terms of service on USA Relief Group it says they're in Delaware. I'm not sure if the mosque ", "url": "https://reddit.com/r/Scams/comments/1r1j31q/is_usa_relief_group_a_scam/" }, { "title": "[US] Staffing Agency Scam?", "subreddit": "Scams", "num_comments": 21, "score": 0.892, "selftext": "I was contacted through LinkedIn by someone apparently working for Volt (part of Innova Solutions?) for a Morgan Stanley role. I sent them my resume and I joined a Teams call with 3 people from the staffing agency. They told me multiple times that it\u2019s a contractor position (6 months temporary, opportunity for permanent) and that I would be paid through them rather than Morgan Stanley. \n\nThe red flags I\u2019ve gotten: all 3 of their names had (unverified) on Teams, they asked for my birth month and ", "url": "https://reddit.com/r/Scams/comments/1r15k0x/us_staffing_agency_scam/" }, { "title": "Possible Discord Scam?", "subreddit": "Scams", "num_comments": 27, "score": 0.886, "selftext": "I got a friend request from someone I don\u2019t believe I have encountered before. I don\u2019t share any mutual servers with them, and neither do I recognize their name (picture 1). They asked me if I am still playing CookieRun: Kingdom (which I was), so I said yes. They told me they wanted me to download Goddess Connect so I can get in-game benefits (picture 2).\n\nI then did a little bit of research on the game. Checking the reviews wasn\u2019t mostly alarming, so I checked this subreddit if anyone had exper", "url": "https://reddit.com/r/Scams/comments/1r13i1w/possible_discord_scam/" }, { "title": "LinkedIn jobs market turns into huge scam and information theft. BE AWARE!!!", "subreddit": "Scams", "num_comments": 21, "score": 0.872, "selftext": "Couple of days ago I was approached by a recruiter from crypto company that offered me pretty good job with really good compensation. I was right away chosen for technical interview that included downloading the code from bitbucket and reviewing it to see if there was any problems with it or to give them recommendations on what to improve. This project turns out to be scam. It had .vscode folder as a normal project would have but it tasks it was using curl + bash configuration to fetch some file", "url": "https://reddit.com/r/Scams/comments/1qcw17b/linkedin_jobs_market_turns_into_huge_scam_and/" }, { "title": "[Canada] Focus Fintrion AI Investing Scam - https://veridianfluxty.info/HD1TGn2c", "subreddit": "Scams", "num_comments": 13, "score": 0.812, "selftext": "I was served an Instagram ad for a super sophisticated scam.. sadly I forgot to take a screenshot before I marked it as a scam and it disappeared.\n\nIt was a photo with a CBC logo and Kevin O\u2019Leary in a hospital bed, and the headline said something like \u201ccan\u2019t believe this is how he goes out\u201d\n\nIf you click on it, it takes you to this VERY realistic fake CBC article:\n\nIt tells the fake story of Mark Thompson going on Dragon\u2019s Den with this AI investing tool, Focus Fintrion, and how Kevin O\u2019Leary s", "url": "https://reddit.com/r/Scams/comments/1r0h1xl/canada_focus_fintrion_ai_investing_scam/" }, { "title": "(USA) Beware of EarthCare- Rent A Tech", "subreddit": "Scams", "num_comments": 75, "score": 1.0, "selftext": "Our finances are tight right now and my husband has been looking for work. He came across an ad for a company called EarthCare who claims to connect handy men to clients who need work done. You basically take a couple of courses, become certified, and get connected to the people who need your services in real time.\n\nHe paid for the course after reading some fake reviews here on Reddit. The course was all AI generated and when he got to the very end he kept getting the round about on the same thi", "url": "https://reddit.com/r/Scams/comments/1q7uu3b/usa_beware_of_earthcare_rent_a_tech/" }, { "title": "Should I tell this recruiter my SSN?", "subreddit": "Scams", "num_comments": 378, "score": 0.99, "selftext": "Last week a Dexian recruiter reached out to me on LinkedIn for a contract to hire position at Wells Fargo which would help me attain my SIE, Series 7, and Series 63. I had a phone interview with the recruiter and then he scheduled me to have a Microsoft Teams interview with the senior manager of Dexian on Tuesday to see if I would be a good fit and I would hear back something by Friday. Friday comes and I get a call from the recruiter saying that they would like to move forward. I was initially ", "url": "https://reddit.com/r/Scams/comments/1qh9j64/should_i_tell_this_recruiter_my_ssn/" }, { "title": "Received a \"DEA\" letter", "subreddit": "Scams", "num_comments": 397, "score": 0.974, "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", "url": "https://reddit.com/r/Scams/comments/1qua24u/received_a_dea_letter/" }, { "title": "[CANADA] I got an offer for an interview via imessage.", "subreddit": "Scams", "num_comments": 18, "score": 0.948, "selftext": "Usually I can tell when job offers are fake. but if this one is, it\u2019s incredibly elaborate. I have applied to over a hundred companies in the last six months and I\u2019m also aware my information can be accessed on Linkedin, and that not all offers are scams\n\nI was contacted via iMessage from an American number. the read receipts are enabled, my messages are being read and replied to right away. I asked some questions about whether it\u2019s a part time position, and he said there\u2019s both part time and fu", "url": "https://reddit.com/r/Scams/comments/1r22j75/canada_i_got_an_offer_for_an_interview_via/" }, { "title": "Received an interview from Primerica disguised as another company", "subreddit": "antiMLM", "num_comments": 120, "score": 0.948, "selftext": "I applied for a remote entry level financial \"advisor\" position on indeed. Sounds legit enough right? I proceeded to do the interview and the company was under a different name but they casually mentioned how I would be an independent contractor if I moved forward with them and that their parent company pays for the licenses. Then they mentioned their parent company was Primerica. I didn't know anything about it so I was excited and asked if I got the job and they told me yes. I then began to do", "url": "https://reddit.com/r/antiMLM/comments/1qzelsc/received_an_interview_from_primerica_disguised_as/" }, { "title": "[US] I am sus of this exchange", "subreddit": "Scams", "num_comments": 48, "score": 0.938, "selftext": "Hi, I am questioning if I am getting scammed somehow. I am selling 3 dresses on FB marketplace and crossposted to Nextdoor. This person messages at 4am, asks me to message someone else by text, the replies sound robotic (husband purchasing bridesmaid gown? she's unavailable even though we didn't describe a time or location.) Her Nextdoor profile hasn't posted since 2024 and she's from a town roughly 45min-1hr from me and that includes a toll bridge. The number area code is from a different state", "url": "https://reddit.com/r/Scams/comments/1qi9jre/us_i_am_sus_of_this_exchange/" }, { "title": "(US) Definitely not a legit job offer. BEWARE!", "subreddit": "Scams", "num_comments": 25, "score": 0.908, "selftext": "I'm currently unemployed and got a text with a remote job offer from someone claiming to be from VRG Therapeutics. The position is for customer service/data entry. It paid nearly $30/hour for training (a week) and nearly $40/hour but no more than 35 hours a week.\n\nI passed the \"interview/briefing\" with flying colors, although I got a nagging feeling during the interview. I think it was the asking about loyalty a couple of times. I wondered how was the workload that they felt the need to ask this", "url": "https://reddit.com/r/Scams/comments/1r12on7/us_definitely_not_a_legit_job_offer_beware/" }, { "title": "[Canada] Canada Direct Calling to ask $40 monthly donations", "subreddit": "Scams", "num_comments": 3, "score": 0.808, "selftext": "Canada Direct asking donations phone call for Canadian Cancer Society, is this legitimate? During the conversation, I realize I possibly was talking to a bot because their replies sound scripted", "url": "https://reddit.com/r/Scams/comments/1qzycy6/canada_canada_direct_calling_to_ask_40_monthly/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 17, "cross_source_count": 1, "reddit_post_count": 17, "question_signal_count": 17, "has_question_signal": true }, { "cluster_id": 60, "topics": [ { "topic_name": "BILT 2.0 is dead on arrival", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/CreditCards/comments/1qd17pq/bilt_20_is_dead_on_arrival/", "signal_type": "question" }, { "topic_name": "You'd expect banks to lie to you, but these #Biltpartners influencers should never be trusted again.", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/CreditCards/comments/1qd5ozr/youd_expect_banks_to_lie_to_you_but_these/", "signal_type": "question" }, { "topic_name": "Bilt 2.0 launch exposed the creditcard influencer shills so much", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/CreditCards/comments/1qevmvy/bilt_20_launch_exposed_the_creditcard_influencer/", "signal_type": "question" }, { "topic_name": "Bilt 2.0 launch is so bad it makes Chase sapphire reserve look good by comparison", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/CreditCards/comments/1qd9w0o/bilt_20_launch_is_so_bad_it_makes_chase_sapphire/", "signal_type": "question" }, { "topic_name": "BILT 2.0 Card is out here are the confirmed details.", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/CreditCards/comments/1qcszvh/bilt_20_card_is_out_here_are_the_confirmed_details/", "signal_type": "question" }, { "topic_name": "Bilt 2.0 for dummies - the very simple version", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/CreditCards/comments/1qdoin7/bilt_20_for_dummies_the_very_simple_version/", "signal_type": "question" }, { "topic_name": "Bilt 2.0 is terrible but the worst is yet to come", "source": "reddit", "region": "global", "score": 0.968, "url": "https://reddit.com/r/CreditCards/comments/1qeqjcs/bilt_20_is_terrible_but_the_worst_is_yet_to_come/", "signal_type": "question" }, { "topic_name": "Bilt 2.1 is a genius move!", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/CreditCards/comments/1qeu42b/bilt_21_is_a_genius_move/", "signal_type": "question" }, { "topic_name": "35 BILT threads in 4 hours: GOAT FOTM?", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/CreditCards/comments/1qd3n4m/35_bilt_threads_in_4_hours_goat_fotm/", "signal_type": "question" }, { "topic_name": "Bilt releases more info on Bilt Cash", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/CreditCards/comments/1qjdndh/bilt_releases_more_info_on_bilt_cash/", "signal_type": "question" }, { "topic_name": "New Changes to Bilt 2.0 Credit Card", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/CreditCards/comments/1qesg50/new_changes_to_bilt_20_credit_card/", "signal_type": "question" }, { "topic_name": "Well. now we know what Bilt thinks about its customers.", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/CreditCards/comments/1qdspha/well_now_we_know_what_bilt_thinks_about_its/", "signal_type": "question" }, { "topic_name": "Help Needed: BILT 2.0 Balance Transfer", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/CreditCards/comments/1r1yuqm/help_needed_bilt_20_balance_transfer/", "signal_type": "question" }, { "topic_name": "Wells Fargo Autograph Guide for Those Moving On From BILT", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/CreditCards/comments/1qewsiq/wells_fargo_autograph_guide_for_those_moving_on/", "signal_type": "question" }, { "topic_name": "Bilt's New Point-Earning Strat: Visualized", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/CreditCards/comments/1qex7ga/bilts_new_pointearning_strat_visualized/", "signal_type": "question" }, { "topic_name": "Bilt 2.0 Cards officially launched.", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/CreditCards/comments/1qct003/bilt_20_cards_officially_launched/", "signal_type": "question" }, { "topic_name": "Bilt 2.0 denied me even after having 1.0 for over a year and half", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/CreditCards/comments/1qfjnt0/bilt_20_denied_me_even_after_having_10_for_over_a/", "signal_type": "question" } ], "reddit_posts": [ { "title": "BILT 2.0 is dead on arrival", "subreddit": "CreditCards", "num_comments": 547, "score": 1.0, "selftext": "Bilt 2.0 is officially dead on arrival for anyone who understands basic math. Bilt 1.0 is replaced by a convoluted system designed to force you into making this your primary daily driver. Under the new model, you no longer earn 1x points on rent just for having the card; instead, you have to \"unlock\" those points using Bilt Cash. Because you only earn 4% Bilt Cash on everyday spending, you are effectively forced to spend 75% of your rent amount on mundane purchases like groceries and gas just to", "url": "https://reddit.com/r/CreditCards/comments/1qd17pq/bilt_20_is_dead_on_arrival/" }, { "title": "You'd expect banks to lie to you, but these #Biltpartners influencers should never be trusted again.", "subreddit": "CreditCards", "num_comments": 322, "score": 0.998, "selftext": "**TLDR**: Just unfollow and block anyone that's a #biltpartner I spend about 50k a month on my CCs, the coordinated betrayal of trust disgusts me\n\nBilt 2.0 just dropped, and let's be crystal clear: it is mathematically dead on arrival for anyone who can do basic arithmetic. It's a convoluted mess designed to trap the mathematically illiterate into making a sub-par product their daily driver. But the actual disaster of the card isn't even the biggest issue here. The biggest issue is the wave of p", "url": "https://reddit.com/r/CreditCards/comments/1qd5ozr/youd_expect_banks_to_lie_to_you_but_these/" }, { "title": "Bilt 2.0 launch exposed the creditcard influencer shills so much", "subreddit": "CreditCards", "num_comments": 119, "score": 0.996, "selftext": "It\u2019s hilarious to see @thepointsguy, @maxmilespoints and other large point accounts getting all cute on how great the new Bilt card is just because they are paid to do so. \n\neven with today\u2019s update, and the fact that we all hate this card, the posts on my Feed are still filled with \u201cThey just added more flexibility, great\u201d , \u201cMore choices\u201d, and \u201cNo there\u2019s no transaction fee for rent points\u201d\n\nHow can you call youself pro-consumer and blatantly shill for such a subpar card? ", "url": "https://reddit.com/r/CreditCards/comments/1qevmvy/bilt_20_launch_exposed_the_creditcard_influencer/" }, { "title": "Bilt 2.0 launch is so bad it makes Chase sapphire reserve look good by comparison", "subreddit": "CreditCards", "num_comments": 120, "score": 0.99, "selftext": "I did not imagine that anyone could have a worst launch than the Chase Sapphire Reserve 2.0, but Bilt is winning that title.\n\nThe Bilt team not only made the most complicated system out there, but decided to denigrate all Redditors and call us basement dwellers (posted by Richard Kerr, Head of Travel at Bilt).\n\nI\u2019m shocked, but not shocked", "url": "https://reddit.com/r/CreditCards/comments/1qd9w0o/bilt_20_launch_is_so_bad_it_makes_chase_sapphire/" }, { "title": "BILT 2.0 Card is out here are the confirmed details.", "subreddit": "CreditCards", "num_comments": 1132, "score": 0.988, "selftext": "The website is crashing because of to many people but below is a link to an Employee at BILT with all the details. \n[https://www.reddit.com/r/biltrewards/comments/1qcstpf/introducing\\_bilt\\_card\\_20/](https://www.reddit.com/r/biltrewards/comments/1qcstpf/introducing_bilt_card_20/) \nLet the comments begin!\n\n**Bilt Palladium Card** \n$495 annual fee\n\n* 2X points on everyday spend\n* 4% back in Bilt Cash on everyday spend\n* Limited-time 50,000-point sign-up bonus plus Bilt Gold Status after qualif", "url": "https://reddit.com/r/CreditCards/comments/1qcszvh/bilt_20_card_is_out_here_are_the_confirmed_details/" }, { "title": "Bilt 2.0 for dummies - the very simple version", "subreddit": "CreditCards", "num_comments": 345, "score": 0.982, "selftext": "There are a billion posts on this, mostly by old Bilt users who are upset that the gravy train (which was losing a bunch of money, so of course the new program will be worse) came to an end. It's a complicated system, so lots of posts break down the math on how the new rewards work. I thought there might be room for one post cutting through to the end of the math and just saying what these cards actually *are*, for people just looking for the dead-simple version.\n\nThe upshot is, these are pretty", "url": "https://reddit.com/r/CreditCards/comments/1qdoin7/bilt_20_for_dummies_the_very_simple_version/" }, { "title": "Bilt 2.0 is terrible but the worst is yet to come", "subreddit": "CreditCards", "num_comments": 104, "score": 0.968, "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 ", "url": "https://reddit.com/r/CreditCards/comments/1qeqjcs/bilt_20_is_terrible_but_the_worst_is_yet_to_come/" }, { "title": "Bilt 2.1 is a genius move!", "subreddit": "CreditCards", "num_comments": 129, "score": 0.96, "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", "url": "https://reddit.com/r/CreditCards/comments/1qeu42b/bilt_21_is_a_genius_move/" }, { "title": "35 BILT threads in 4 hours: GOAT FOTM?", "subreddit": "CreditCards", "num_comments": 52, "score": 0.956, "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 ", "url": "https://reddit.com/r/CreditCards/comments/1qd3n4m/35_bilt_threads_in_4_hours_goat_fotm/" }, { "title": "Bilt releases more info on Bilt Cash", "subreddit": "CreditCards", "num_comments": 166, "score": 0.946, "selftext": "[https://www.reddit.com/r/biltrewards/comments/1qjddrq/a\\_note\\_from\\_me\\_ankur\\_jain\\_your\\_2026\\_bilt\\_cash/](https://www.reddit.com/r/biltrewards/comments/1qjddrq/a_note_from_me_ankur_jain_your_2026_bilt_cash/)", "url": "https://reddit.com/r/CreditCards/comments/1qjdndh/bilt_releases_more_info_on_bilt_cash/" }, { "title": "New Changes to Bilt 2.0 Credit Card", "subreddit": "CreditCards", "num_comments": 165, "score": 0.942, "selftext": "They just released new changes/tweaks today(16Jan2026)....\n\nThe main tweaks to Bilt 2.0 are:\n\n* You will have two options for structuring your rewards for housing each month. You can opt for the originally announced plan (4% Bilt Cash) or utilize new earning tiers based on your monthly everyday spending on a Bilt card.\n* If you choose the new tiered structure option, you can earn up to 1.25 points per dollar of housing payment, an increase from before.\n* You can switch between the two options at", "url": "https://reddit.com/r/CreditCards/comments/1qesg50/new_changes_to_bilt_20_credit_card/" }, { "title": "Well. now we know what Bilt thinks about its customers.", "subreddit": "CreditCards", "num_comments": 34, "score": 0.94, "selftext": "[https://www.reddit.com/r/biltrewards/comments/1qd45bj/kerr\\_posted\\_this\\_on\\_instagram\\_the\\_level\\_of/](https://www.reddit.com/r/biltrewards/comments/1qd45bj/kerr_posted_this_on_instagram_the_level_of/)", "url": "https://reddit.com/r/CreditCards/comments/1qdspha/well_now_we_know_what_bilt_thinks_about_its/" }, { "title": "Help Needed: BILT 2.0 Balance Transfer", "subreddit": "CreditCards", "num_comments": 8, "score": 0.938, "selftext": "Hey everyone!\n\nI recently switched to the BILT 2.0 card and requested a balance transfer. My statement balance is about $1,500, and the total is around $2,800.\n\nI noticed that my BILT 2.0 card currently has a hold with a $2,800 limit, and I can also see $2,800 due on Wells Fargo app. I\u2019m a bit confused about whether I need to pay Wells Fargo or if the payment is handled through the BILT card itself.\n\nAlso my payment is due tomorrow (Feb 12th) so I want to make sure before that so I do not accrue", "url": "https://reddit.com/r/CreditCards/comments/1r1yuqm/help_needed_bilt_20_balance_transfer/" }, { "title": "Wells Fargo Autograph Guide for Those Moving On From BILT", "subreddit": "CreditCards", "num_comments": 70, "score": 0.902, "selftext": "With BILT 1.0 winding down, I\u2019ve decided to keep my Wells Fargo Autograph open (mainly to preserve the credit line) and skip BILT 2.0 for reasons I think most of Reddit already understands.\n\nSince Autograph actually has some interesting 3x categories, I wanted to crowdsource some real-world data points on benefits that aren\u2019t super well defined by Wells Fargo.\n\nHoping this can turn into a useful reference for other BILT converts.\n\n**1. 3x on Gas Stations & Transit**\n\nWells Fargo lists this c", "url": "https://reddit.com/r/CreditCards/comments/1qewsiq/wells_fargo_autograph_guide_for_those_moving_on/" }, { "title": "Bilt's New Point-Earning Strat: Visualized", "subreddit": "CreditCards", "num_comments": 48, "score": 0.89, "selftext": "I decided to graph the overly complicated new point-earning method Ankur announced that avoids Bilt Cash.\n\n**Assumption:** Bilt Palladium (2x on everything). Bilt Blue would look the same, except 1 multiplier less. Bilt Obsidian depends on how you balance your non-rent spend so is tricky to graph. I realize that the Bilt Cash line should cap out at 75% of rent spend, but graphing this ended up being super complicated so I left it a flat line.\n\n**For comparison, Bilt Cash's earnings corresponds t", "url": "https://reddit.com/r/CreditCards/comments/1qex7ga/bilts_new_pointearning_strat_visualized/" }, { "title": "Bilt 2.0 Cards officially launched.", "subreddit": "CreditCards", "num_comments": 119, "score": 0.88, "selftext": "Seems pretty inline with the leaks: https://www.reddit.com/r/biltrewards/comments/1qcstpf/introducing_bilt_card_20/", "url": "https://reddit.com/r/CreditCards/comments/1qct003/bilt_20_cards_officially_launched/" }, { "title": "Bilt 2.0 denied me even after having 1.0 for over a year and half", "subreddit": "CreditCards", "num_comments": 44, "score": 0.858, "selftext": "I submitted my application for bilt blue card upon the announcement of the new bilt 2.0. I\u2019ve had the bilt 1.0 since July 2024. never had a problem, no late payments ever, 780 credit score. My application was flagged for manual review. A few days later I found out I was denied. I called BILT and they said they could not help me. According to the representative they do not have a reconsideration line, there\u2019s no way to contact cardless directly to inquire about further steps. I was told I could r", "url": "https://reddit.com/r/CreditCards/comments/1qfjnt0/bilt_20_denied_me_even_after_having_10_for_over_a/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 17, "cross_source_count": 1, "reddit_post_count": 17, "question_signal_count": 17, "has_question_signal": true }, { "cluster_id": 9, "topics": [ { "topic_name": "Dentist billed insurance for orthodontics I never had, insurance confirmed fraud, now office is threatening collections \u2014 what do I do?", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/personalfinance/comments/1qvehv5/dentist_billed_insurance_for_orthodontics_i_never/", "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", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/personalfinance/comments/1qd2zha/parents_paid_for_whole_life_insurance_for_me_for/", "signal_type": "question" }, { "topic_name": "Denied grievance", "source": "reddit", "region": "global", "score": 0.954, "url": "https://reddit.com/r/Insurance/comments/1r27dgo/denied_grievance/", "signal_type": "question" }, { "topic_name": "30k of dental work needed at 20.", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/Insurance/comments/1qzmtis/30k_of_dental_work_needed_at_20/", "signal_type": "question" }, { "topic_name": "Normal for a 20 year old to pay $200/month for health insurance? Feeling overwhelmed.", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/personalfinance/comments/1qhdyp1/normal_for_a_20_year_old_to_pay_200month_for/", "signal_type": "question" }, { "topic_name": "How to ensure that we have co-pay waiver off in my parents health insurance policy", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/Insurance/comments/1r1xogj/how_to_ensure_that_we_have_copay_waiver_off_in_my/", "signal_type": "question" }, { "topic_name": "Dental office confirmed they were \"in-network\". Had work done. Insurance company denies claim?", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/Insurance/comments/1r04xoq/dental_office_confirmed_they_were_innetwork_had/", "signal_type": "question" }, { "topic_name": "Anyone looking for dentists?", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/povertyfinance/comments/1r1oby2/anyone_looking_for_dentists/", "signal_type": "question" }, { "topic_name": "Mom\u2019s job requires Dad to use his insurance as primary even though her\u2019s is much better.", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/Insurance/comments/1qdq4lw/moms_job_requires_dad_to_use_his_insurance_as/", "signal_type": "question" }, { "topic_name": "Is there a legitimate reason I'm getting kicked off my parents insurance even though I'm a minor?", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/Insurance/comments/1qcmtbp/is_there_a_legitimate_reason_im_getting_kicked/", "signal_type": "question" }, { "topic_name": "America\u2019s health care system is terrible", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/Insurance/comments/1qy34pi/americas_health_care_system_is_terrible/", "signal_type": "question" }, { "topic_name": "no insurance, dental advice", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/povertyfinance/comments/1r1dih6/no_insurance_dental_advice/", "signal_type": "question" }, { "topic_name": "Car insurance at 18, no parents", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/Insurance/comments/1qptsst/car_insurance_at_18_no_parents/", "signal_type": "question" }, { "topic_name": "I am 15 years old, if i get a job, would I be able to pay insurance with it so I can get braces?", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/Insurance/comments/1qvfvfh/i_am_15_years_old_if_i_get_a_job_would_i_be_able/", "signal_type": "question" }, { "topic_name": "Portable water flosser after I just got braces? Phillips Sonicare or Waterpik?", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/BuyItForLife/comments/1r02o2j/portable_water_flosser_after_i_just_got_braces/", "signal_type": "question" }, { "topic_name": "Billed by dentist for $2,154 out of pocket, dentist submitted $1,280 to insurance, I now owe $293", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/personalfinance/comments/1qsf7ri/billed_by_dentist_for_2154_out_of_pocket_dentist/", "signal_type": "question" }, { "topic_name": "Extraction, apicoectomy, or implant", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/Frugal/comments/1qu3h4x/extraction_apicoectomy_or_implant/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Dentist billed insurance for orthodontics I never had, insurance confirmed fraud, now office is threatening collections \u2014 what do I do?", "subreddit": "personalfinance", "num_comments": 404, "score": 0.998, "selftext": "\nI\u2019m looking for advice on a situation involving a dentist, insurance fraud, and a threatened collections action.\n\nI had been seeing the same dentist for years. In 2024, he moved to a new office. The new office told me he was still in-network with my insurance.\n\nI later had an emergency tooth extraction. Before the procedure, I was told my insurance benefits were fine. After the extraction, I was suddenly told my benefits were already maxed out and that I now owed $2,000.\n\nThe office then told m", "url": "https://reddit.com/r/personalfinance/comments/1qvehv5/dentist_billed_insurance_for_orthodontics_i_never/" }, { "title": "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", "subreddit": "personalfinance", "num_comments": 431, "score": 0.956, "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? ", "url": "https://reddit.com/r/personalfinance/comments/1qd2zha/parents_paid_for_whole_life_insurance_for_me_for/" }, { "title": "Denied grievance", "subreddit": "Insurance", "num_comments": 1, "score": 0.954, "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", "url": "https://reddit.com/r/Insurance/comments/1r27dgo/denied_grievance/" }, { "title": "30k of dental work needed at 20.", "subreddit": "Insurance", "num_comments": 51, "score": 0.9359999999999999, "selftext": "i have about 9 cavities That are causing dysphasia and gingivitis. I need my wisdom teeth taken out (four), six teeth capped, and a few more taken out. I have insurance and I am told i a responsible for 30k which is absolutely not achievable. they offered payment plans but I did not qualify. what can I do? I am an unpaid (soon to be paid) family care giver full time.", "url": "https://reddit.com/r/Insurance/comments/1qzmtis/30k_of_dental_work_needed_at_20/" }, { "title": "Normal for a 20 year old to pay $200/month for health insurance? Feeling overwhelmed.", "subreddit": "personalfinance", "num_comments": 347, "score": 0.9339999999999999, "selftext": "Hey everyone, I\u2019m hoping to get some perspective because this has been stressing me out a lot.\n\nI\u2019m 20 years old, a college student in California, and I make about $50k a year working as a server. I recently enrolled in health insurance through Covered California and ended up on a Kaiser \u201cMinimum Coverage HMO\u201d plan.\n\nHere are the details of my plan:\n\n\u2022 Monthly premium: $202.78\n\n\u2022 Yearly deductible: $10,600\n\n\u2022 Out-of-pocket max: $10,600\n\n\u2022 Almost everything is 0% coinsurance AFTER deductible\n\nSo ", "url": "https://reddit.com/r/personalfinance/comments/1qhdyp1/normal_for_a_20_year_old_to_pay_200month_for/" }, { "title": "How to ensure that we have co-pay waiver off in my parents health insurance policy", "subreddit": "Insurance", "num_comments": 3, "score": 0.928, "selftext": "Hi All,\n\nI bought health insurance policy for my parents **in India**, they are senior citizens. I just want to know that i have co-pay waiver off in the policy. So that i don't need to pay 20% during the bill payments.\n\ni have care advantage policy with add-on policy name \"**Care Shield**\" and some schedule of benefits are\n\nClaim shield\n\nNCB shield\n\nInflation shield\n\ncan't see such option which mentions like **co-pay in the policy**\n\n**Please suggest**\n\n", "url": "https://reddit.com/r/Insurance/comments/1r1xogj/how_to_ensure_that_we_have_copay_waiver_off_in_my/" }, { "title": "Dental office confirmed they were \"in-network\". Had work done. Insurance company denies claim?", "subreddit": "Insurance", "num_comments": 11, "score": 0.918, "selftext": "LONG story short:\n\n\\- Ive been going to this dentist for years. Stopped going last year due to them being out of network.\n\n\\- Contacted same office in January, confirmed they are back in network.\n\n\\-Spouse and I went in for \"free\" cleanings and a treatment plan (about $600) in late January.\n\n\\- 10 days after treatment receive EOB from insurance company stating they are not paying due to dentist being out of network.\n\n \nI had an appt scheduled this week for more work. Called the office and the", "url": "https://reddit.com/r/Insurance/comments/1r04xoq/dental_office_confirmed_they_were_innetwork_had/" }, { "title": "Anyone looking for dentists?", "subreddit": "povertyfinance", "num_comments": 0, "score": 0.916, "selftext": "", "url": "https://reddit.com/r/povertyfinance/comments/1r1oby2/anyone_looking_for_dentists/" }, { "title": "Mom\u2019s job requires Dad to use his insurance as primary even though her\u2019s is much better.", "subreddit": "Insurance", "num_comments": 62, "score": 0.908, "selftext": "Is there a way to get around this? My dad has cancer and is going through treatment right now. His insurance through his job isn\u2019t good but my mom has great insurance through the hospital she works at. But her insurance states that he has to use the insurance provided by his job as primary and hers as secondary. \n\nThank you for any help. ", "url": "https://reddit.com/r/Insurance/comments/1qdq4lw/moms_job_requires_dad_to_use_his_insurance_as/" }, { "title": "Is there a legitimate reason I'm getting kicked off my parents insurance even though I'm a minor?", "subreddit": "Insurance", "num_comments": 8, "score": 0.904, "selftext": "This is the second time in the last like 6 months this has happened. Late last year I was kicked off of Medicaid for seemingly no reason. I was on my mom's plan and they just did it one day. She tried to look into it and they kicked her off too. Went without it for a month until we got a new plan with FloridaBlue. At some point during this I ran out of my diabetic medication and they did not want to pay for it. I went around a month taking my dad's higher dose pills and cutting them in half to ", "url": "https://reddit.com/r/Insurance/comments/1qcmtbp/is_there_a_legitimate_reason_im_getting_kicked/" }, { "title": "America\u2019s health care system is terrible", "subreddit": "Insurance", "num_comments": 64, "score": 0.902, "selftext": "My gf needs tooth care and she can\u2019t really afford it and neither can I. I have insurance though but like I cannot have her use it without proof of cohabitation and we don\u2019t live together. I feel terrible that she does not have the help she needs but like why is that I can\u2019t use the insurance that my job pays monthly and let someone get the care they need. Especially since I\u2019m not even going to the dentist. Won\u2019t the dentist make money still since I\u2019m not even using it like that. \n\nAm I crazy to", "url": "https://reddit.com/r/Insurance/comments/1qy34pi/americas_health_care_system_is_terrible/" }, { "title": "no insurance, dental advice", "subreddit": "povertyfinance", "num_comments": 14, "score": 0.896, "selftext": "I have no insurance, I have very poor credit, we are on a strict budget. \n\nI have had dental problems develop over the last few years due to genetics and inability to get small things fixed. \n\nThe last time I went to a dentist, they said it would be about $12,000 to do all the work that I needed to have done and there was no way for me to come up with any of it so I kind of just set it aside. \n\nBecause of that, I\u2019ve had no work done and it has all gotten worse. \n\nI am really unsure of where to s", "url": "https://reddit.com/r/povertyfinance/comments/1r1dih6/no_insurance_dental_advice/" }, { "title": "Car insurance at 18, no parents", "subreddit": "Insurance", "num_comments": 30, "score": 0.888, "selftext": "I have no parents and no adults who can help me in this situation, genuinely zero options. Im getting a car next month because uber is eating up my entire paycheck and I have to pay rent, I'm getting insurance quotes and everything is extremely expensive especially because I\u2019m a young driver and I just got my license. I took defensive driving lessons and did everything to try and lower rates. I genuinely don\u2019t know what to do, I need a car and I need insurance but there\u2019s no way I can pay this, ", "url": "https://reddit.com/r/Insurance/comments/1qptsst/car_insurance_at_18_no_parents/" }, { "title": "I am 15 years old, if i get a job, would I be able to pay insurance with it so I can get braces?", "subreddit": "Insurance", "num_comments": 31, "score": 0.88, "selftext": "Hello! I recently turned 15 years old, and while many places aren't hiring, I know a lot that hire at 16 so I'll just have to wait some more.\n\nMy dad lost his job a few years ago and is beyond working age, so he has no job. This means my family has no insurance. I'm a minor so I have some type (I think life?), but I can't get braces because of it.\n\nI was wondering if a job could help me pay for it. My dad explained that the job cuts your pay and it goes to insurance, so that's why I'm asking. I ", "url": "https://reddit.com/r/Insurance/comments/1qvfvfh/i_am_15_years_old_if_i_get_a_job_would_i_be_able/" }, { "title": "Portable water flosser after I just got braces? Phillips Sonicare or Waterpik?", "subreddit": "BuyItForLife", "num_comments": 7, "score": 0.858, "selftext": "Just got braces put on a couple weeks before I go off to uni, and already I don't feel I have the time to manually floss, my dentist recommended a water flosser. Also fairly tight on funds but want something portable that will last.\n\nThe one I see recommended online is the\u00a0Waterpik Cordless advanced 2.0, but its pretty expensive and has a small tank.\n\nI've heard Phillips mentioned before, I have one of their electric toothbrushes. And their\u00a0Sonicare Cordless 3000\u00a0is on sale at 50%+ off in the gr", "url": "https://reddit.com/r/BuyItForLife/comments/1r02o2j/portable_water_flosser_after_i_just_got_braces/" }, { "title": "Billed by dentist for $2,154 out of pocket, dentist submitted $1,280 to insurance, I now owe $293", "subreddit": "personalfinance", "num_comments": 48, "score": 0.838, "selftext": "I went to the dentist for my annual exam and cleaning and also a temporary crown placed on a tooth where I had a root canal done. When I sat down to have my x-rays taken, I was told that they take BCBS dental and the provider is in network, but they don\u2019t take my specific plan and that I would have to pay out of pocket and I would have to submit a claim myself to insurance for reimbursement. It was unfortunate but I needed to get it done and stop putting it off so I put a hefty charge of $2,154 ", "url": "https://reddit.com/r/personalfinance/comments/1qsf7ri/billed_by_dentist_for_2154_out_of_pocket_dentist/" }, { "title": "Extraction, apicoectomy, or implant", "subreddit": "Frugal", "num_comments": 19, "score": 0.808, "selftext": "I had a bad root canal on my #18 molar 5 years ago that finally bit the dust. I got it retreated by an endodontist and it went bad 3 weeks after the retreatment. I can now have an apicoectomy, extraction, extraction with implant. \n\nI want to make the best financial decision for the longevity of my oral health but realistically only have about 4-5k more to invest in my dental health this year. \n\nDo any of you have experience with this kind of situation and can offer advice? \n\nTIA ", "url": "https://reddit.com/r/Frugal/comments/1qu3h4x/extraction_apicoectomy_or_implant/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 17, "cross_source_count": 1, "reddit_post_count": 17, "question_signal_count": 17, "has_question_signal": true }, { "cluster_id": 22, "topics": [ { "topic_name": "Budget running shoe in 4E width for overpronation?", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/Frugal/comments/1r2bxk3/budget_running_shoe_in_4e_width_for_overpronation/", "signal_type": "question" }, { "topic_name": "Any tips on inexpensive court shoes", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/Frugal/comments/1r2940n/any_tips_on_inexpensive_court_shoes/", "signal_type": "question" }, { "topic_name": "Thought I had a frugal win after buying sneakers on closeout a few years ago\u2014then learned a hard lesson on hydrolysis", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/Frugal/comments/1qdqbk2/thought_i_had_a_frugal_win_after_buying_sneakers/", "signal_type": "question" }, { "topic_name": "My first BIFL outfit", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/BuyItForLife/comments/1qsw2pl/my_first_bifl_outfit/", "signal_type": "question" }, { "topic_name": "What's a good brand of all-weather boots that I can buy?", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/BuyItForLife/comments/1r25px5/whats_a_good_brand_of_allweather_boots_that_i_can/", "signal_type": "question" }, { "topic_name": "BIFL Weightlifting shoes - ASICS 727", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/BuyItForLife/comments/1r0w88y/bifl_weightlifting_shoes_asics_727/", "signal_type": "question" }, { "topic_name": "Under Armour shower slides", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/BuyItForLife/comments/1r0kon5/under_armour_shower_slides/", "signal_type": "question" }, { "topic_name": "Just ordered my glerups with the leather soles and I cannot freaking wait to try them out!", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/BuyItForLife/comments/1r0rn0l/just_ordered_my_glerups_with_the_leather_soles/", "signal_type": "question" }, { "topic_name": "Super ugly Kaufman / Sorels still going 30 years later. No leaks. Felt liners still good.", "source": "reddit", "region": "global", "score": 0.866, "url": "https://reddit.com/r/BuyItForLife/comments/1qgc14q/super_ugly_kaufman_sorels_still_going_30_years/", "signal_type": "question" }, { "topic_name": "Olukai Mea Ola Finally Bit the Dust", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/BuyItForLife/comments/1qzv9d0/olukai_mea_ola_finally_bit_the_dust/", "signal_type": "question" }, { "topic_name": "Not flashy but absolutely BIFL: Ironlace Unbreakable laces", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/BuyItForLife/comments/1qo1ywu/not_flashy_but_absolutely_bifl_ironlace/", "signal_type": "question" }, { "topic_name": "recommendations for mens food service shoes?", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/BuyItForLife/comments/1r0km3z/recommendations_for_mens_food_service_shoes/", "signal_type": "question" }, { "topic_name": "Shoes that don't do this", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/BuyItForLife/comments/1qt35ur/shoes_that_dont_do_this/", "signal_type": "question" }, { "topic_name": "What brand and style socks you recommend for moisture wicking keep me feet dry in me shoes or boots?", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/BuyItForLife/comments/1qzp9gz/what_brand_and_style_socks_you_recommend_for/", "signal_type": "question" }, { "topic_name": "Are these shoes good quality?", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/BuyItForLife/comments/1r0jsrq/are_these_shoes_good_quality/", "signal_type": "question" }, { "topic_name": "Clark's sneakers refuse to die.", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/BuyItForLife/comments/1qlyxv6/clarks_sneakers_refuse_to_die/", "signal_type": "question" }, { "topic_name": "Which work shoes/boots should I buy?", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1r02q77/which_work_shoesboots_should_i_buy/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Budget running shoe in 4E width for overpronation?", "subreddit": "Frugal", "num_comments": 16, "score": 0.994, "selftext": "I need advice on running shoes that won't break my budget. I have lots of expenses this year so I would like to spend \\~ $60 or less on a new set of running shoes.\n\nMy current running shoes (New Balance Freshform 680 in 4E width) are worn down at the outside edges and starting to cause inner knee pain. I have been told before that I overpronate and take too long a stride. I've more or less shortened my stride length (by slowing down my pace) but still favor the outside edges of my feet when I ru", "url": "https://reddit.com/r/Frugal/comments/1r2bxk3/budget_running_shoe_in_4e_width_for_overpronation/" }, { "title": "Any tips on inexpensive court shoes", "subreddit": "Frugal", "num_comments": 5, "score": 0.988, "selftext": "I don\u2019t want to pay more than $100 for good traction shoes mdr for court sports: squash, raquette ball, Pickleball. But I do want good arch support, traction, ankle stability. I\u2019m guessing the Nikes, Reboks, Addidas are out of the question, unless some can suggest a clearance site. I am not interested in used stuff such as as one might find in a goodwill store. Also best if most of the sole/heel has that raw gum colored look to it.", "url": "https://reddit.com/r/Frugal/comments/1r2940n/any_tips_on_inexpensive_court_shoes/" }, { "title": "Thought I had a frugal win after buying sneakers on closeout a few years ago\u2014then learned a hard lesson on hydrolysis", "subreddit": "Frugal", "num_comments": 127, "score": 0.98, "selftext": "Last week, my favorite New Balances had finally rendered themselves useless after five years of regular wear, so I readied myself to buy new sneakers. But I was having a very difficult time finding a pair of replacements under $90. (Due to my arch and foot width, sneakers that work for me are difficult to buy, so I stick to ol' reliables.)\n\nThen I got excited because I realized I had a new pair of New Balances in my closet that I purchased in a store closeout a few years ago! Now I didn't need t", "url": "https://reddit.com/r/Frugal/comments/1qdqbk2/thought_i_had_a_frugal_win_after_buying_sneakers/" }, { "title": "My first BIFL outfit", "subreddit": "BuyItForLife", "num_comments": 583, "score": 0.98, "selftext": "I recently got into the idea of \u201cbuy-it-for-life\u201d after my third pair of sneakers in the span of one year broke. After purchasing the Red Wing boots, I fell in love with high quality stuff, and I feel like I can justify purchasing them because this stuff can probably last me a lifetime. \n\nEverything here was purchased new after a lot of research, except for the shirt, which I thrifted for $15 US.\n\nI don\u2019t believe the socks will last a lifetime, but there\u2019s no point in me buying Darn Tough socks ", "url": "https://reddit.com/r/BuyItForLife/comments/1qsw2pl/my_first_bifl_outfit/" }, { "title": "What's a good brand of all-weather boots that I can buy?", "subreddit": "BuyItForLife", "num_comments": 12, "score": 0.948, "selftext": "I'm in the market for boots (or shoes) and I have no idea about what's good and what's bad. I have never bought casual boots, just the winter/snow ones. I generally dislike leather but if the boots are nice, I'm willing to buy a pair and try them out.\n\nPlease suggest some brands that make good all-weather (or most-weather) boots. I'm open to any and all advice. Thanks.", "url": "https://reddit.com/r/BuyItForLife/comments/1r25px5/whats_a_good_brand_of_allweather_boots_that_i_can/" }, { "title": "BIFL Weightlifting shoes - ASICS 727", "subreddit": "BuyItForLife", "num_comments": 19, "score": 0.9339999999999999, "selftext": "IMO the grail weightlifting/gym shoes\n\nMade in Japan in small batches (4x per year)\n\nFull Suede upper\n\nBlake stitched outsole with wooden heel (repairable!)\n\nSimple lacing system vs. straps for modern shoes", "url": "https://reddit.com/r/BuyItForLife/comments/1r0w88y/bifl_weightlifting_shoes_asics_727/" }, { "title": "Under Armour shower slides", "subreddit": "BuyItForLife", "num_comments": 25, "score": 0.912, "selftext": "I got these 20+ years ago, and not only have they served me four- to five-days a week since, they\u2019re in near perfect condition, and haven\u2019t let me down a single time (that is, I\u2019ve never slipped and fallen in them.) They live in my locker at the campus fitness center, and have walked the pool deck and the showers faithfully for two decades. \n\nShout-out to whatever unholy, forever chemical these are made from. May the alien archeologists who find them, know they cursed quality", "url": "https://reddit.com/r/BuyItForLife/comments/1r0kon5/under_armour_shower_slides/" }, { "title": "Just ordered my glerups with the leather soles and I cannot freaking wait to try them out!", "subreddit": "BuyItForLife", "num_comments": 16, "score": 0.906, "selftext": "I\u2019m a barefoot or socks in the house type of person and I\u2019d like to have slippers to keep my feet clean. We don\u2019t wear shoes in the apartment but it always feels dirty because of our pets despite vacuuming and mopping often. \n\nAfter much deliberation I\u2019ve decided on glerups! I tried oofos (too squishy, caused pain) and adidas shower slides (ridge between ball of foot and toes was uncomfortable). I will share an update when they come and another when I\u2019ve had them for a month or so. I can\u2019t wait", "url": "https://reddit.com/r/BuyItForLife/comments/1r0rn0l/just_ordered_my_glerups_with_the_leather_soles/" }, { "title": "Super ugly Kaufman / Sorels still going 30 years later. No leaks. Felt liners still good.", "subreddit": "BuyItForLife", "num_comments": 13, "score": 0.866, "selftext": "I bought them at a garage sale. So I don\u2019t really know how old they are. I usually get in a few long hikes with them every winter. I often use micro spikes, which I think has saved the sole. ", "url": "https://reddit.com/r/BuyItForLife/comments/1qgc14q/super_ugly_kaufman_sorels_still_going_30_years/" }, { "title": "Olukai Mea Ola Finally Bit the Dust", "subreddit": "BuyItForLife", "num_comments": 18, "score": 0.864, "selftext": "After 5 Long Years of Constant daily wear, my Olukai Mea Ola flip flops have finally broken. I used them constantly; at home and out, rain or shine, puddles not actively avoided. This is the first pair of flip flops I've ever spent more than $50 on, and it was well worth every penny. At first, they felt heavy, but I quickly got used to them. And once broken in (doesn't take very long), they felt like a dream. I've already ordered my next pair of Olukai Mea Ola Mano. With this next pair, I'll be ", "url": "https://reddit.com/r/BuyItForLife/comments/1qzv9d0/olukai_mea_ola_finally_bit_the_dust/" }, { "title": "Not flashy but absolutely BIFL: Ironlace Unbreakable laces", "subreddit": "BuyItForLife", "num_comments": 47, "score": 0.86, "selftext": "I've had this pair of laces for 5 years so far after going through of pair a month or so. I'm a welder and have put these through the ringer. Outlived 3 pairs of redwings and they are currently on my new pair of whites. Their customer service is amazing. I reached out to let them know i was still using them and was super impressed and they warrantied thel no questions asked and sent a brand new pair at no cost. I cannot recommend these enough.", "url": "https://reddit.com/r/BuyItForLife/comments/1qo1ywu/not_flashy_but_absolutely_bifl_ironlace/" }, { "title": "recommendations for mens food service shoes?", "subreddit": "BuyItForLife", "num_comments": 9, "score": 0.856, "selftext": "Hello! I'm trying to buy good shoes for my boyfriend. He has hyperhidrosis so it's important that the shoes are breathable and comfortable. We work at a small trendy restaraunt so something that is slip resistant and stylish would be nice. I might end up resorting to crocs if I can't find anything for him :'(. Please give me recommendations!", "url": "https://reddit.com/r/BuyItForLife/comments/1r0km3z/recommendations_for_mens_food_service_shoes/" }, { "title": "Shoes that don't do this", "subreddit": "BuyItForLife", "num_comments": 232, "score": 0.852, "selftext": "Hi all. \n\nI crouch a lot for work, and my shoes always break on the sides, where the foot goes from the ball of the foot to the arch. \n\nI love the look and feel of vans. But this has happened with two pairs now, and It happens with shoes that are only a few months old. \n\nCan anyone recommend shoes that hold up to this kind of movement, especially with similar look and feel?", "url": "https://reddit.com/r/BuyItForLife/comments/1qt35ur/shoes_that_dont_do_this/" }, { "title": "What brand and style socks you recommend for moisture wicking keep me feet dry in me shoes or boots?", "subreddit": "BuyItForLife", "num_comments": 35, "score": 0.846, "selftext": "Also just durable brand won\u2019t rip in 2 weeks please. ", "url": "https://reddit.com/r/BuyItForLife/comments/1qzp9gz/what_brand_and_style_socks_you_recommend_for/" }, { "title": "Are these shoes good quality?", "subreddit": "BuyItForLife", "num_comments": 29, "score": 0.83, "selftext": "I found these Rockport shoes at winners. They were reduced in price to $36 Canadian, so I assume they're a good deal for the price. But I wanted to know, what kind of life could I expect to get out of these? As far as I can tell it looks like they're stitched to the sole. Are these good quality? ", "url": "https://reddit.com/r/BuyItForLife/comments/1r0jsrq/are_these_shoes_good_quality/" }, { "title": "Clark's sneakers refuse to die.", "subreddit": "BuyItForLife", "num_comments": 105, "score": 0.83, "selftext": "These shoes refuse to die. I don't know anything about this shoe. I assume at this point that the welt is genuine. I got them at a thrift store for a few dollars a few years ago. Been wearing them daily and really abusing them ever since. Long days on my feet on hard floors working in health care, yard work, salty slush, etc. Never treated them with anything. Wiped them off a couple of times.\n\nAny advice for how to make the leather look a little less gross?\n\nEdit: bottom line, the uppers are sti", "url": "https://reddit.com/r/BuyItForLife/comments/1qlyxv6/clarks_sneakers_refuse_to_die/" }, { "title": "Which work shoes/boots should I buy?", "subreddit": "BuyItForLife", "num_comments": 27, "score": 0.8160000000000001, "selftext": "My budget is $120 ish. I work at a 12 hour fast pace factory 5 days a week night shift. I\u2019m 30 years old with a terrible posture, underweight and I don\u2019t go to the gym.", "url": "https://reddit.com/r/BuyItForLife/comments/1r02q77/which_work_shoesboots_should_i_buy/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 17, "cross_source_count": 1, "reddit_post_count": 17, "question_signal_count": 17, "has_question_signal": true }, { "cluster_id": 59, "topics": [ { "topic_name": "Microsoft Office Web hides the Office apps in a tiny tab at the bottom. The rest is for copilot", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/assholedesign/comments/1r10pi7/microsoft_office_web_hides_the_office_apps_in_a/", "signal_type": "question" }, { "topic_name": "I only wanted to download 1 of these", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/assholedesign/comments/1qgvtj9/i_only_wanted_to_download_1_of_these/", "signal_type": "question" }, { "topic_name": "You have to click 'Microsoft Authenticator' to use a third party authenticator in M365", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/darkpatterns/comments/1qup523/you_have_to_click_microsoft_authenticator_to_use/", "signal_type": "question" }, { "topic_name": "Microsoft silently kills Windows and Office phone activation and forces online activation with a Microsoft account \u2014 Windows users are now herded into an online-only portal for activation", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/assholedesign/comments/1qabkyy/microsoft_silently_kills_windows_and_office_phone/", "signal_type": "question" }, { "topic_name": "A screen to choose payment method... but the button is for Business Prime signup", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/darkpatterns/comments/1p3c38n/a_screen_to_choose_payment_method_but_the_button/", "signal_type": "question" }, { "topic_name": "Microsoft dropped the ball with the Dragon Anywhere app and therefore ruined the gold standard for medical professionals", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/assholedesign/comments/1pqem4f/microsoft_dropped_the_ball_with_the_dragon/", "signal_type": "question" }, { "topic_name": "Forced Tipping", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/darkpatterns/comments/1nzyxsv/forced_tipping/", "signal_type": "question" }, { "topic_name": "Microsoft now makes you install Copilot to read Excel/Word documents on Android, even if you already have the apps.", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/assholedesign/comments/1p0qtrp/microsoft_now_makes_you_install_copilot_to_read/", "signal_type": "question" }, { "topic_name": "you can barely see it but it's around the bottom of the screens", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/darkpatterns/comments/1kd71bi/you_can_barely_see_it_but_its_around_the_bottom/", "signal_type": "question" }, { "topic_name": "As of tomorrow, Ryanair will force users to download the mobile app just to view their boarding passes", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/assholedesign/comments/1ou4ik6/as_of_tomorrow_ryanair_will_force_users_to/", "signal_type": "question" }, { "topic_name": "Microsoft reveresed the scale to catch users instinctively clicking left for a low rating.", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/assholedesign/comments/1onsyt2/microsoft_reveresed_the_scale_to_catch_users/", "signal_type": "question" }, { "topic_name": "Australian Competition and Consumer Commission sues Microsoft for allegedly misleading millions of Australians with Microsoft 365 subscription hikes", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/assholedesign/comments/1oh6nqr/australian_competition_and_consumer_commission/", "signal_type": "question" }, { "topic_name": "Microsoft rewards opt-out page loads a button a few second later that redirects to MS 365 page instead of opting out", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/darkpatterns/comments/1i9um4e/microsoft_rewards_optout_page_loads_a_button_a/", "signal_type": "question" }, { "topic_name": "Microsoft is plugging more holes that let you use Windows 11 without an online account | The Verge", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/assholedesign/comments/1o07srt/microsoft_is_plugging_more_holes_that_let_you_use/", "signal_type": "question" }, { "topic_name": "Microsoft at it again...", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/darkpatterns/comments/1hvfj59/microsoft_at_it_again/", "signal_type": "question" }, { "topic_name": "Google Workspace", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/darkpatterns/comments/1hsolqx/google_workspace/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Microsoft Office Web hides the Office apps in a tiny tab at the bottom. The rest is for copilot", "subreddit": "assholedesign", "num_comments": 87, "score": 0.996, "selftext": "I just want to use powerpoint :(", "url": "https://reddit.com/r/assholedesign/comments/1r10pi7/microsoft_office_web_hides_the_office_apps_in_a/" }, { "title": "I only wanted to download 1 of these", "subreddit": "assholedesign", "num_comments": 88, "score": 0.976, "selftext": "Instead i got the other 2 without the software asking. Nice Adobe....", "url": "https://reddit.com/r/assholedesign/comments/1qgvtj9/i_only_wanted_to_download_1_of_these/" }, { "title": "You have to click 'Microsoft Authenticator' to use a third party authenticator in M365", "subreddit": "darkpatterns", "num_comments": 2, "score": 0.972, "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&format=png&auto=webp&s=71c457c0f14151ee043643e63a3b32c168585309\n\nThen on the following screen you can select 'different authenticator app': \n\n\nhttps://preview.redd.it/s8h7h6pwh9hg1.png?width=444&format=png&auto=webp&s=3cc26ffbadef05dac4ef12e9f2d7dba33732da5b\n\nThis confuses our use", "url": "https://reddit.com/r/darkpatterns/comments/1qup523/you_have_to_click_microsoft_authenticator_to_use/" }, { "title": "Microsoft silently kills Windows and Office phone activation and forces online activation with a Microsoft account \u2014 Windows users are now herded into an online-only portal for activation", "subreddit": "assholedesign", "num_comments": 168, "score": 0.962, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1qabkyy/microsoft_silently_kills_windows_and_office_phone/" }, { "title": "A screen to choose payment method... but the button is for Business Prime signup", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.926, "selftext": "What about the payment method? Do they want me to just click the yellow button quickly and not notice it's a signup for something extra? Does the \"No, thanks\" button still select the payment method I want (yes apparently so, but that's terrible UI).\n\nAmazon Business \ud83d\ude12\n\nAmazon Tricks", "url": "https://reddit.com/r/darkpatterns/comments/1p3c38n/a_screen_to_choose_payment_method_but_the_button/" }, { "title": "Microsoft dropped the ball with the Dragon Anywhere app and therefore ruined the gold standard for medical professionals", "subreddit": "assholedesign", "num_comments": 90, "score": 0.908, "selftext": "Microsoft bought Nuance and therefore Dragon anywhere. Since then the program got worse and worse. They abandoned this app for dictation even if the medical sector pays big money for this. Especially because it\u2019s the only Program where you can teach it medical vocabulary.\n\nIn the pictures is the end-user failure analysis that I send apple (since I downloaded from them) for them to investigate\n\n No one at Nuance or Microsoft listens or takes responsibility. It\u2019s really unbelievable. And don\u2019t eve", "url": "https://reddit.com/r/assholedesign/comments/1pqem4f/microsoft_dropped_the_ball_with_the_dragon/" }, { "title": "Forced Tipping", "subreddit": "darkpatterns", "num_comments": 7, "score": 0.906, "selftext": "This counter service restaurant pin pad pretends to force you to tip. The \"greyed out\" buttons, actually work though. They just look like they don't\n\nhttps://preview.redd.it/qcupeecysktf1.png?width=1362&format=png&auto=webp&s=fcfb6d98be83f01f04b2e8d5fc1d5e9d08313421\n\n", "url": "https://reddit.com/r/darkpatterns/comments/1nzyxsv/forced_tipping/" }, { "title": "Microsoft now makes you install Copilot to read Excel/Word documents on Android, even if you already have the apps.", "subreddit": "assholedesign", "num_comments": 47, "score": 0.868, "selftext": "Redirects to the play store when you try to open a .DOCX or .XLSX file", "url": "https://reddit.com/r/assholedesign/comments/1p0qtrp/microsoft_now_makes_you_install_copilot_to_read/" }, { "title": "you can barely see it but it's around the bottom of the screens", "subreddit": "darkpatterns", "num_comments": 6, "score": 0.856, "selftext": "if you still can't see it: \"no thanks, i don't like saving time, and i hate you.\" like????", "url": "https://reddit.com/r/darkpatterns/comments/1kd71bi/you_can_barely_see_it_but_its_around_the_bottom/" }, { "title": "As of tomorrow, Ryanair will force users to download the mobile app just to view their boarding passes", "subreddit": "assholedesign", "num_comments": 306, "score": 0.85, "selftext": "Ryanair will stop sending boarding passes by email, so if you want to access your pass (yes, just a simple QR code), you\u2019ll now have to install their app. Because apparently, that\u2019s progress.\n\nOf course, the excuse for this is \u201csaving the environment\u201d by going paperless. It has nothing to do with simply providing the QR code outside the app. They even claim this change will make flight prices cheaper.\n\nEdit: \nJust to clarify: You can still check-in throught the website, but instead of receiving", "url": "https://reddit.com/r/assholedesign/comments/1ou4ik6/as_of_tomorrow_ryanair_will_force_users_to/" }, { "title": "Microsoft reveresed the scale to catch users instinctively clicking left for a low rating.", "subreddit": "assholedesign", "num_comments": 70, "score": 0.842, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1onsyt2/microsoft_reveresed_the_scale_to_catch_users/" }, { "title": "Australian Competition and Consumer Commission sues Microsoft for allegedly misleading millions of Australians with Microsoft 365 subscription hikes", "subreddit": "assholedesign", "num_comments": 18, "score": 0.834, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1oh6nqr/australian_competition_and_consumer_commission/" }, { "title": "Microsoft rewards opt-out page loads a button a few second later that redirects to MS 365 page instead of opting out", "subreddit": "darkpatterns", "num_comments": 1, "score": 0.8220000000000001, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1i9um4e/microsoft_rewards_optout_page_loads_a_button_a/" }, { "title": "Microsoft is plugging more holes that let you use Windows 11 without an online account | The Verge", "subreddit": "assholedesign", "num_comments": 123, "score": 0.812, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1o07srt/microsoft_is_plugging_more_holes_that_let_you_use/" }, { "title": "Microsoft at it again...", "subreddit": "darkpatterns", "num_comments": 2, "score": 0.804, "selftext": "https://preview.redd.it/67c4x67u2hbe1.png?width=1251&format=png&auto=webp&s=0d7790af293bc5351a54eca8319486bc3416571c\n\nIn an obvious effort to trick users into staying with Bing and Edge, if users go to [bing.com](http://bing.com), not authenticated with a Microsoft account, and search for Google (a common behavior to download Chrome or use Google apps), the entire UX begins to impersonate Google for this specific search query. \nThe result includes a Google-like Doodle, a search bar ", "url": "https://reddit.com/r/darkpatterns/comments/1hvfj59/microsoft_at_it_again/" }, { "title": "Google Workspace", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.802, "selftext": "Exploring adding Google Workspace for a domain I manage and was surprised to see only a single option shown... nearly 3x more expensive than the cheapest option too.\n\n\\[edit\\] added screenshots I originally forgot\n\nhttps://preview.redd.it/ni427uykkzae1.png?width=2942&format=png&auto=webp&s=20f71022193f23b83fa10e436da6ca6e63e0a0f3\n\nhttps://preview.redd.it/s2e4gtykkzae1.png?width=2942&format=png&auto=webp&s=f85eada8feb392cb69e39169f00900b6bb7ca040\n\n", "url": "https://reddit.com/r/darkpatterns/comments/1hsolqx/google_workspace/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 16, "cross_source_count": 1, "reddit_post_count": 16, "question_signal_count": 16, "has_question_signal": true }, { "cluster_id": 33, "topics": [ { "topic_name": "My Grandpa in Sweden has had this soviet made bench vice for almost 55 years.", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/BuyItForLife/comments/1qrx8bl/my_grandpa_in_sweden_has_had_this_soviet_made/", "signal_type": "question" }, { "topic_name": "RCA digital clock. Classic 2000\u2019s blue led lights", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/BuyItForLife/comments/1r1iwgx/rca_digital_clock_classic_2000s_blue_led_lights/", "signal_type": "question" }, { "topic_name": "This Romanian tungsten filament lightbulb is older than the average human", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/BuyItForLife/comments/1qdpzdh/this_romanian_tungsten_filament_lightbulb_is/", "signal_type": "question" }, { "topic_name": "Wife's West German Birkenstocks", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/BuyItForLife/comments/1qnri1j/wifes_west_german_birkenstocks/", "signal_type": "question" }, { "topic_name": "20 year old Bravia still going strong without issues.", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/BuyItForLife/comments/1qpz7jk/20_year_old_bravia_still_going_strong_without/", "signal_type": "question" }, { "topic_name": "Vintage food timer my Great Great Grandmother owned is still working perfectly and is still accurate", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/BuyItForLife/comments/1qjk7xq/vintage_food_timer_my_great_great_grandmother/", "signal_type": "question" }, { "topic_name": "Bodum Melior Gooseneck Water Kettle (6 years and going strong)", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/BuyItForLife/comments/1qqelh3/bodum_melior_gooseneck_water_kettle_6_years_and/", "signal_type": "question" }, { "topic_name": "I am in my mid-40s. My mom has been using these tweezers for my entire life.", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/BuyItForLife/comments/1qtb7lw/i_am_in_my_mid40s_my_mom_has_been_using_these/", "signal_type": "question" }, { "topic_name": "Vintage stanley. Can anyone Help me date it?", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/BuyItForLife/comments/1qwdmd7/vintage_stanley_can_anyone_help_me_date_it/", "signal_type": "question" }, { "topic_name": "What\u2019s the oldest item you still use daily?", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/BuyItForLife/comments/1qzwmi5/whats_the_oldest_item_you_still_use_daily/", "signal_type": "question" }, { "topic_name": "My Waring Dial-A-Grind coffee grinder (1981) that I got on eBay for $35.", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/BuyItForLife/comments/1qtsu28/my_waring_dialagrind_coffee_grinder_1981_that_i/", "signal_type": "question" }, { "topic_name": "Almost 2 years", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/povertyfinance/comments/1r1ex5h/almost_2_years/", "signal_type": "question" }, { "topic_name": "Circa 2006 cordless Electric DeWalt drill.", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/BuyItForLife/comments/1qzpicg/circa_2006_cordless_electric_dewalt_drill/", "signal_type": "question" }, { "topic_name": "15oz Hammer Made inUSA 10? Years ago.", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/BuyItForLife/comments/1qd7olr/15oz_hammer_made_inusa_10_years_ago/", "signal_type": "question" }, { "topic_name": "30+ years old snoopy hairdryer still going strong.", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/BuyItForLife/comments/1qyg87m/30_years_old_snoopy_hairdryer_still_going_strong/", "signal_type": "question" }, { "topic_name": "Bludstones finally give up after 6 years", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1qfcor5/bludstones_finally_give_up_after_6_years/", "signal_type": "question" } ], "reddit_posts": [ { "title": "My Grandpa in Sweden has had this soviet made bench vice for almost 55 years.", "subreddit": "BuyItForLife", "num_comments": 80, "score": 0.982, "selftext": "Apparently he bought in the early 1970s second hand in northern Sweden because it was cheap. He said that the Russian were good at these rough kinds of tools. He does not know how it got to Sweden.", "url": "https://reddit.com/r/BuyItForLife/comments/1qrx8bl/my_grandpa_in_sweden_has_had_this_soviet_made/" }, { "title": "RCA digital clock. Classic 2000\u2019s blue led lights", "subreddit": "BuyItForLife", "num_comments": 14, "score": 0.974, "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 ", "url": "https://reddit.com/r/BuyItForLife/comments/1r1iwgx/rca_digital_clock_classic_2000s_blue_led_lights/" }, { "title": "This Romanian tungsten filament lightbulb is older than the average human", "subreddit": "BuyItForLife", "num_comments": 96, "score": 0.942, "selftext": "It has been in continuous use for over 35 years, before communism fell", "url": "https://reddit.com/r/BuyItForLife/comments/1qdpzdh/this_romanian_tungsten_filament_lightbulb_is/" }, { "title": "Wife's West German Birkenstocks", "subreddit": "BuyItForLife", "num_comments": 44, "score": 0.928, "selftext": "My wife is very proud of these. She bought them used from a consignment shop in Washington, DC in 2005. As you can see, they were made at least 15 years prior, though the factory stamp I suppose could have lingered for years after the wall fell. The straps did separate from the bottoms in the late aughts, but a clever Kyrgyzstani stitched them back up for her. She doesn't wear them as full time as she used to, almost daily for at least some length of time now that they're around-the-neighborhood", "url": "https://reddit.com/r/BuyItForLife/comments/1qnri1j/wifes_west_german_birkenstocks/" }, { "title": "20 year old Bravia still going strong without issues.", "subreddit": "BuyItForLife", "num_comments": 87, "score": 0.926, "selftext": "They really don't make TVs like this anymore. Nowadays you're lucky if your TV lasts more than 5 years.", "url": "https://reddit.com/r/BuyItForLife/comments/1qpz7jk/20_year_old_bravia_still_going_strong_without/" }, { "title": "Vintage food timer my Great Great Grandmother owned is still working perfectly and is still accurate", "subreddit": "BuyItForLife", "num_comments": 19, "score": 0.92, "selftext": "", "url": "https://reddit.com/r/BuyItForLife/comments/1qjk7xq/vintage_food_timer_my_great_great_grandmother/" }, { "title": "Bodum Melior Gooseneck Water Kettle (6 years and going strong)", "subreddit": "BuyItForLife", "num_comments": 92, "score": 0.892, "selftext": "I know 6 years isn't technically a long time by this group's standards, but for about $30 when I bought it 6 years ago (from Target at that) I've still had no issues. I used this at least twice a day too and love it", "url": "https://reddit.com/r/BuyItForLife/comments/1qqelh3/bodum_melior_gooseneck_water_kettle_6_years_and/" }, { "title": "I am in my mid-40s. My mom has been using these tweezers for my entire life.", "subreddit": "BuyItForLife", "num_comments": 25, "score": 0.89, "selftext": "In the late 70s/early 80s my mom worked in a factory that made car parts. I think that may be where she acquired these tweezers. She uses them for everything from cosmetic purposes, to pulling fish bones, to precision repairs.", "url": "https://reddit.com/r/BuyItForLife/comments/1qtb7lw/i_am_in_my_mid40s_my_mom_has_been_using_these/" }, { "title": "Vintage stanley. Can anyone Help me date it?", "subreddit": "BuyItForLife", "num_comments": 41, "score": 0.884, "selftext": "I recieved this from a neighbor, and the only stamp I can see on the bottom says 4B. can anyone give me a date of manufacture on this thing? im assuming it's from the 50's or 60's", "url": "https://reddit.com/r/BuyItForLife/comments/1qwdmd7/vintage_stanley_can_anyone_help_me_date_it/" }, { "title": "What\u2019s the oldest item you still use daily?", "subreddit": "BuyItForLife", "num_comments": 204, "score": 0.882, "selftext": "There is this chef\u2019s knife I\u2019ve had for years. It\u2019s been through countless meals, moves, and kitchens, but with regular sharpening it still performs like new. Honestly, it\u2019s the one tool I\u2019d replace last if everything else in my kitchen disappeared.\n\nHow about you?", "url": "https://reddit.com/r/BuyItForLife/comments/1qzwmi5/whats_the_oldest_item_you_still_use_daily/" }, { "title": "My Waring Dial-A-Grind coffee grinder (1981) that I got on eBay for $35.", "subreddit": "BuyItForLife", "num_comments": 89, "score": 0.876, "selftext": "I emailed Waring with the model number and they told me it's from 1981. Made in Japan. It was originally $30 ($107 in 2026) from the Jafco department store, a Seattle based department store that was open from 1957 to 1986. The grinder was in great condition and I love that the original owner kept the box. I've been using it every day for about a year. Excellent grinder. ", "url": "https://reddit.com/r/BuyItForLife/comments/1qtsu28/my_waring_dialagrind_coffee_grinder_1981_that_i/" }, { "title": "Almost 2 years", "subreddit": "povertyfinance", "num_comments": 3, "score": 0.874, "selftext": "As the title says, it almost 2 years and i still have untreated decayed teeth, two of them, everytime i tell my parents dad just keeps buying pills to \"cure\" my teeth, mom does the same she tells dad to bring pills or search in his drawer to get som, dad even bought anesthesia, and told me to dip cotton in it and put it on the teeth and the pain will go, i once went with mother to a local Health center and the doctor told me that she can't fill the tooth and it's still good and no need to extrac", "url": "https://reddit.com/r/povertyfinance/comments/1r1ex5h/almost_2_years/" }, { "title": "Circa 2006 cordless Electric DeWalt drill.", "subreddit": "BuyItForLife", "num_comments": 57, "score": 0.874, "selftext": "I used to work for a shop that had a 10 year retirement policy for all their hand held electric tools. In 2016 they retired this drill and I took it home. Daily use until then and then it became my at home, weekend tool until just this week. Around 20 years is not bad. ", "url": "https://reddit.com/r/BuyItForLife/comments/1qzpicg/circa_2006_cordless_electric_dewalt_drill/" }, { "title": "15oz Hammer Made inUSA 10? Years ago.", "subreddit": "BuyItForLife", "num_comments": 66, "score": 0.854, "selftext": "Love it \n", "url": "https://reddit.com/r/BuyItForLife/comments/1qd7olr/15oz_hammer_made_inusa_10_years_ago/" }, { "title": "30+ years old snoopy hairdryer still going strong.", "subreddit": "BuyItForLife", "num_comments": 79, "score": 0.84, "selftext": "I was gifted it new when I was 7 and haven't needed to buy a hairdryer since. \nHad to replace the plug a few years ago, otherwise has run brilliantly since I got it. \n", "url": "https://reddit.com/r/BuyItForLife/comments/1qyg87m/30_years_old_snoopy_hairdryer_still_going_strong/" }, { "title": "Bludstones finally give up after 6 years", "subreddit": "BuyItForLife", "num_comments": 143, "score": 0.8260000000000001, "selftext": "Obviously not BIFL, but I consider 6 years to be a decent amount, especially for daily use in three seasons.\n\nI accidentally punctured them with a metal shard, so I had to add a patch. They were still water resistant until the new hole appeared on the bend and the soles finally cracked.", "url": "https://reddit.com/r/BuyItForLife/comments/1qfcor5/bludstones_finally_give_up_after_6_years/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 16, "cross_source_count": 1, "reddit_post_count": 16, "question_signal_count": 16, "has_question_signal": true }, { "cluster_id": 72, "topics": [ { "topic_name": "[United States]Random text scam from a \u201cfriend\u201d.", "source": "reddit", "region": "global", "score": 0.986, "url": "https://reddit.com/r/Scams/comments/1r28478/united_statesrandom_text_scam_from_a_friend/", "signal_type": "question" }, { "topic_name": "Workplace scam call claiming to be from Fire Dept", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/Scams/comments/1qshq5v/workplace_scam_call_claiming_to_be_from_fire_dept/", "signal_type": "question" }, { "topic_name": "Scammer posing as UK police asked if \u201cTrezor\u201d meant anything to me (high-effort call)", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/Scams/comments/1qypjqw/scammer_posing_as_uk_police_asked_if_trezor_meant/", "signal_type": "question" }, { "topic_name": "[US] Stalker or scammer? Getting strange voicemails and it\u2019s making me nervous", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/Scams/comments/1r0t7qj/us_stalker_or_scammer_getting_strange_voicemails/", "signal_type": "question" }, { "topic_name": "Police department scam", "source": "reddit", "region": "global", "score": 0.854, "url": "https://reddit.com/r/Scams/comments/1r1d8es/police_department_scam/", "signal_type": "question" }, { "topic_name": "[EU] Two text messages from Trezor and Binance not sure if they are a scam or a reason for concern", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/Scams/comments/1r03bl6/eu_two_text_messages_from_trezor_and_binance_not/", "signal_type": "question" }, { "topic_name": "My Friend Has An Imposter.", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/Scams/comments/1r26pce/my_friend_has_an_imposter/", "signal_type": "question" }, { "topic_name": "I keep getting texts like this", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/Scams/comments/1r2978j/i_keep_getting_texts_like_this/", "signal_type": "question" }, { "topic_name": "[US] suspicious threats made in phone call from Summit", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/Scams/comments/1r2bxg2/us_suspicious_threats_made_in_phone_call_from/", "signal_type": "question" }, { "topic_name": "[US] friend receiving assassination threats from two separate numbers", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/Scams/comments/1qyjra8/us_friend_receiving_assassination_threats_from/", "signal_type": "question" }, { "topic_name": "Question", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/legaladvice/comments/1r2dcwy/question/", "signal_type": "question" }, { "topic_name": "[RO] a call from someone who claims to be with IGI office", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/Scams/comments/1r1igur/ro_a_call_from_someone_who_claims_to_be_with_igi/", "signal_type": "question" }, { "topic_name": "Received a super creepy phone call, don\u2019t know what to make of it.", "source": "reddit", "region": "global", "score": 0.866, "url": "https://reddit.com/r/Scams/comments/1qjj0zx/received_a_super_creepy_phone_call_dont_know_what/", "signal_type": "question" }, { "topic_name": "Got call from US customs and border protection", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/Scams/comments/1qo532l/got_call_from_us_customs_and_border_protection/", "signal_type": "question" }, { "topic_name": "Ringana Undercover Doku (deutsch)", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/antiMLM/comments/1qr0su5/ringana_undercover_doku_deutsch/", "signal_type": "question" } ], "reddit_posts": [ { "title": "[United States]Random text scam from a \u201cfriend\u201d.", "subreddit": "Scams", "num_comments": 9, "score": 0.986, "selftext": "I\u2019ve been getting texts from a series of different numbers that say:\n\n\u201cWant to go to a bbq? Or \u201cHey it\u2019s been a while, what are you up to!\u201d Or \u201cI think you left something at my place last time you were here\u201d.\n\nPhishing anyone? \n\nFunny part is they feign familiarity like a friend with the goal of getting you to text back and ask who it is. \n\nPersonally, I think it\u2019s a weak attempt, but still annoying. \n\nAnyone dealt with this? ", "url": "https://reddit.com/r/Scams/comments/1r28478/united_statesrandom_text_scam_from_a_friend/" }, { "title": "Workplace scam call claiming to be from Fire Dept", "subreddit": "Scams", "num_comments": 25, "score": 0.896, "selftext": "Received a scam call the other day at work. First red flag was the caller id showed a strange international number. Caller states he is calling from the Fire Dept and they need to come out and check our fire extinguishers and smoke detectors. (Funny thing is we are located literally across the street from the Fire Dept) Ok sure fine. He ask for the managers name, which I did provide. Then he goes on and says there is a FedEx delivery arriving and I need to write down the tracking number. I asked", "url": "https://reddit.com/r/Scams/comments/1qshq5v/workplace_scam_call_claiming_to_be_from_fire_dept/" }, { "title": "Scammer posing as UK police asked if \u201cTrezor\u201d meant anything to me (high-effort call)", "subreddit": "Scams", "num_comments": 60, "score": 0.87, "selftext": "I received a long unsolicited phone call from someone claiming to be \u201cDetective Baxter\u201d from the UK Metropolitan Police, allegedly working in conjunction with the NYPD.\n\nThey claimed a terrorist suspect had been arrested and was found with a file containing personal data from ~500 people, including mine, and that a fake ID existed in my name. They said they had my name, phone number, an old address, and partial bank/credit card information, and repeatedly asked me to \u201cconfirm\u201d details and whethe", "url": "https://reddit.com/r/Scams/comments/1qypjqw/scammer_posing_as_uk_police_asked_if_trezor_meant/" }, { "title": "[US] Stalker or scammer? Getting strange voicemails and it\u2019s making me nervous", "subreddit": "Scams", "num_comments": 9, "score": 0.86, "selftext": "I received a string of weird texts one day this past August from a number with my area code. They were very scammy, weird punctuation and some random stock like photos. Pretending to be a boyfriend from like elementary school. I think they knew my first name. I blocked the number immediately, but my read receipts were on. I didn\u2019t realize that blocked numbers can still leave voicemails, and I just saw that the same number has been leaving me voicemails since August! I had like one per month of t", "url": "https://reddit.com/r/Scams/comments/1r0t7qj/us_stalker_or_scammer_getting_strange_voicemails/" }, { "title": "Police department scam", "subreddit": "Scams", "num_comments": 12, "score": 0.854, "selftext": "Hi my buddy called me scared with something he did, said he messaged an escort saying hello and heard nothing back. Then the next day he got a call from the police department of another city saying hello messaged a missing underage girl. The detective tried to get him to say he did something with the girl. He said we will issue you a warrant or you can come into the police station. Anyone heard of this. He called the same exact number and it did lead to the police station but they said they didn", "url": "https://reddit.com/r/Scams/comments/1r1d8es/police_department_scam/" }, { "title": "[EU] Two text messages from Trezor and Binance not sure if they are a scam or a reason for concern", "subreddit": "Scams", "num_comments": 8, "score": 0.81, "selftext": "My wife received those two messages in the span of two weeks from Trezor and Binance supposedly. We have never used crypto wallets or anything of the sorts. Googling those phone numbers doesn\u2019t show anything in particular. Is this a reason for concern or do we just ignore it? They are coming from the \"phone numbers code\" or whatever you call it whenever you get legit notifications and such (1202 in this case but it might be just our country\u2019s).\n\nThe messages are the following: \n\nCode: xxx xxx. U", "url": "https://reddit.com/r/Scams/comments/1r03bl6/eu_two_text_messages_from_trezor_and_binance_not/" }, { "title": "My Friend Has An Imposter.", "subreddit": "Scams", "num_comments": 8, "score": 0.994, "selftext": "Okay so i just got a text from my best friend saying thats someone is using her name and number to \u201cprank\u201d text her old friends from back home\u2026people she hasn\u2019t talked to in years due to college and just general moving on. She still has their numbers in her current phone and hasn\u2019t changed her number in goodness knows how long\n\nThe strange part is the messages are coming from her current number under her contact that her friends have her under but she isn\u2019t doing it. The person is also claiming ", "url": "https://reddit.com/r/Scams/comments/1r26pce/my_friend_has_an_imposter/" }, { "title": "I keep getting texts like this", "subreddit": "Scams", "num_comments": 15, "score": 0.988, "selftext": "3rd time I have gotten some sort of threat scam. I got the cartel scam and now these. It says\n\nThis communication serves as a formal notification regarding your breach of agreement and failure to appear for the scheduled engagement with our service personnel. Your negligence has resulted in substantial operational deficits, lost revenue, and unrecoverable logistical expenses.\n\nOur organization operates under strict compliance protocols. Consequently, a penalty for liquidated damages has been as", "url": "https://reddit.com/r/Scams/comments/1r2978j/i_keep_getting_texts_like_this/" }, { "title": "[US] suspicious threats made in phone call from Summit", "subreddit": "Scams", "num_comments": 15, "score": 0.984, "selftext": "\"This message is intended for you, BLANK, case number BLANK.\u00a0 This is BLANK Burke contacting you regarding a formal order of location that was submitted to my office this morning.\u00a0 I need to verify your current address for a deliverance of this order.\u00a0 BLANK, you have an imminent complaint that has been filed against you. At this point, you have one final opportunity to contact the resolution firm handling this matter to discuss it immediately before further proceedings are initiated. Now they c", "url": "https://reddit.com/r/Scams/comments/1r2bxg2/us_suspicious_threats_made_in_phone_call_from/" }, { "title": "[US] friend receiving assassination threats from two separate numbers", "subreddit": "Scams", "num_comments": 63, "score": 0.944, "selftext": "a friend of mine first received lengthy messages claiming that the person had been paid to assassinate her by a coworker. the person demands thousands of dollars from her in return for her safety, and a \u201ctape\u201d of evidence against the person that originally requested the assassination? (first five slides) \n\n\u201cI want you to read this message carefully, and keep the secret with you till further notice,you have no needs or knowing who 1am, where l am from till i make out a space for us to see,l have ", "url": "https://reddit.com/r/Scams/comments/1qyjra8/us_friend_receiving_assassination_threats_from/" }, { "title": "Question", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.928, "selftext": "If you have a civil injunction on someone and they text you from a text now app number but you have screenshots of previous messages between the number and another mutual person where they are responding to their name being said in the text is that enough proof for a violation of the civil injunction? Location: Louisiana ", "url": "https://reddit.com/r/legaladvice/comments/1r2dcwy/question/" }, { "title": "[RO] a call from someone who claims to be with IGI office", "subreddit": "Scams", "num_comments": 4, "score": 0.922, "selftext": "Good evening, I had a call from someone who claimed to be working in the IGI office and he had my full name and where I lived and what is my citizenship, he asked me to come to a public coffe shop near the IGI to discuss \u201cmy staying in Romania\u201d he told me that there is nothing to be worried about just a casual discussion, he called from a normal Romanian number not an office number or anything, can you please help me because I got so scared knowing this type of information is accessible to some ", "url": "https://reddit.com/r/Scams/comments/1r1igur/ro_a_call_from_someone_who_claims_to_be_with_igi/" }, { "title": "Received a super creepy phone call, don\u2019t know what to make of it.", "subreddit": "Scams", "num_comments": 32, "score": 0.866, "selftext": "So I was texting this girl I am planning on seeing tonight and she said she\u2019d let me know when she was done with her studying thing and heading home. I followed up about an hour later and asked how it was going. Minutes later I received a call from No Caller ID and it was a girl i didn\u2019t quite recognize but it was a possible familiar voice. She said \u201cHey just wanted to let you know i just left the house and i\u2019ll be there in 30 minutes.\u201d and i said, \u201cWhat?\u201d becuase i was incredible suspicious esp", "url": "https://reddit.com/r/Scams/comments/1qjj0zx/received_a_super_creepy_phone_call_dont_know_what/" }, { "title": "Got call from US customs and border protection", "subreddit": "Scams", "num_comments": 70, "score": 0.804, "selftext": "An official from U.S. Customs and Border Protection told me over the phone that someone in China possesses 19 U.S. passports, including one of mine. I don't know this person, and I need to cooperate with the investigation. During the call, the official transferred me to the Guangzhou Public Security Bureau in China, where I was asked to clarify the situation and have a case opened. They also wanted me to return to China to file a police report. Is this true?", "url": "https://reddit.com/r/Scams/comments/1qo532l/got_call_from_us_customs_and_border_protection/" }, { "title": "Ringana Undercover Doku (deutsch)", "subreddit": "antiMLM", "num_comments": 4, "score": 0.804, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qr0su5/ringana_undercover_doku_deutsch/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 15, "cross_source_count": 1, "reddit_post_count": 15, "question_signal_count": 15, "has_question_signal": true }, { "cluster_id": 30, "topics": [ { "topic_name": "\"Buy Nice or Buy Twice\" is real. I finally stopped buying $20 charging cables and my wallet is actually happier.", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/Frugal/comments/1qp7rtw/buy_nice_or_buy_twice_is_real_i_finally_stopped/", "signal_type": "question" }, { "topic_name": "I bought one of these 10 years ago for 299! Commercial is best!", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/BuyItForLife/comments/1r14yen/i_bought_one_of_these_10_years_ago_for_299/", "signal_type": "question" }, { "topic_name": "Stopped being \"brand loyal\" and saved a ton of money", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/Frugal/comments/1qr9uog/stopped_being_brand_loyal_and_saved_a_ton_of_money/", "signal_type": "question" }, { "topic_name": "Batteries for laptops, smartphones, and household goods", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/BuyItForLife/comments/1r16rv7/batteries_for_laptops_smartphones_and_household/", "signal_type": "question" }, { "topic_name": "What was a very expensive item you bought which was really useful?", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/BuyItForLife/comments/1qstrya/what_was_a_very_expensive_item_you_bought_which/", "signal_type": "question" }, { "topic_name": "Cond\u00e9 Nasty and Wired Magazine are Maggots", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/darkpatterns/comments/1nxafq5/cond\u00e9_nasty_and_wired_magazine_are_maggots/", "signal_type": "question" }, { "topic_name": "I finally caved and got a new can opener.", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/BuyItForLife/comments/1qqoi3y/i_finally_caved_and_got_a_new_can_opener/", "signal_type": "question" }, { "topic_name": "What are things you will never buy second-hand even though it is much cheaper then to buy a new one?", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/Frugal/comments/1qpcher/what_are_things_you_will_never_buy_secondhand/", "signal_type": "question" }, { "topic_name": "What\u2019s something you stopped buying cheaply because replacing it kept costing more?", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/Frugal/comments/1qiewbb/whats_something_you_stopped_buying_cheaply/", "signal_type": "question" }, { "topic_name": "Brand name TP \"forever roll\" - good deal?", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/Frugal/comments/1qx4zui/brand_name_tp_forever_roll_good_deal/", "signal_type": "question" }, { "topic_name": "Flip the script - what shouldn\u2019t be bought for life?", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/BuyItForLife/comments/1qtjtc3/flip_the_script_what_shouldnt_be_bought_for_life/", "signal_type": "question" }, { "topic_name": "Secondhand shopping tip: read OLD reviews", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/Frugal/comments/1qvpyh8/secondhand_shopping_tip_read_old_reviews/", "signal_type": "question" }, { "topic_name": "How do I talk myself out of buying a $400 pair of sunglasses that I\u2019ve been wanting for a while", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/Frugal/comments/1qx372f/how_do_i_talk_myself_out_of_buying_a_400_pair_of/", "signal_type": "question" }, { "topic_name": "What is a small ticket item that you bought from another country and became a game changer? Which country?", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/BuyItForLife/comments/1qti5xc/what_is_a_small_ticket_item_that_you_bought_from/", "signal_type": "question" }, { "topic_name": "A USB-C Charger that can charge a laptop and other devices without weighing like a brick", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/BuyItForLife/comments/1qzvmol/a_usbc_charger_that_can_charge_a_laptop_and_other/", "signal_type": "question" } ], "reddit_posts": [ { "title": "\"Buy Nice or Buy Twice\" is real. I finally stopped buying $20 charging cables and my wallet is actually happier.", "subreddit": "Frugal", "num_comments": 300, "score": 0.988, "selftext": "I used to be the guy who bought the 3-pack of generic phone chargers from the gas station for $10. They would break in 3 weeks, fray at the ends, or just stop working.\n\nI finally spent $25 on a single, high-quality braided cable with a warranty 2 years ago. It still looks brand new.\n\nI did the math: I spent roughly $60 a year on trash cables versus $25 once. Being \"cheap\" is actually expensive.", "url": "https://reddit.com/r/Frugal/comments/1qp7rtw/buy_nice_or_buy_twice_is_real_i_finally_stopped/" }, { "title": "I bought one of these 10 years ago for 299! Commercial is best!", "subreddit": "BuyItForLife", "num_comments": 148, "score": 0.98, "selftext": "", "url": "https://reddit.com/r/BuyItForLife/comments/1r14yen/i_bought_one_of_these_10_years_ago_for_299/" }, { "title": "Stopped being \"brand loyal\" and saved a ton of money", "subreddit": "Frugal", "num_comments": 165, "score": 0.9339999999999999, "selftext": "I used to have certain things I would only buy brand names of, and they got so expensive, I decided to try some of the generics and store brands. Some are just as good, some aren't, so I still buy a couple of name brands, but mostly not. \n\nSome name brands I still buy are Fritos and Cheetos (store brands tend to taste bad, sometimes like chemicals), Green Giant frozen corn, and Nature's Own bread. The store brands just aren't the same.\n\nI also tried making my own items, and some are just as good", "url": "https://reddit.com/r/Frugal/comments/1qr9uog/stopped_being_brand_loyal_and_saved_a_ton_of_money/" }, { "title": "Batteries for laptops, smartphones, and household goods", "subreddit": "BuyItForLife", "num_comments": 7, "score": 0.922, "selftext": "Bonus if you know of good car batteries and batteries for EVs.\n\n \nBatteries are the one of the primary (if not *the* primary) obstacle in the lifetime of electronic products.\n\n \nI would like to be able to keep the same laptop and iPhone forever (or as close as I can get to forever).\n\nI also like cordless vacuums but I know that they are less sustainable than regular \"wired\" vacuums.\n\n \nTIA!", "url": "https://reddit.com/r/BuyItForLife/comments/1r16rv7/batteries_for_laptops_smartphones_and_household/" }, { "title": "What was a very expensive item you bought which was really useful?", "subreddit": "BuyItForLife", "num_comments": 755, "score": 0.908, "selftext": "We always get the question about cheap items that changed your life. What about the other end of the spectrum: what was a really expensive item that was not just for status (looking at you, Rolex), but was really useful (\"transformed your life\")? \n\nI had a MacBook Air for almost 10 years. The critter was really expensive, coming out of university, but it served me well for all those years. Replaced it with a standard PC for a few years, which was never the same. \n\nLast week I invested in a dec", "url": "https://reddit.com/r/BuyItForLife/comments/1qstrya/what_was_a_very_expensive_item_you_bought_which/" }, { "title": "Cond\u00e9 Nasty and Wired Magazine are Maggots", "subreddit": "darkpatterns", "num_comments": 4, "score": 0.904, "selftext": "I have been a print/digital subscriber to Wired magazine for 13 years. My subscription was coming up for renewal and I phoned them about pricing. They were going to renew my subscription at an extremely high price without my permission and they were very nasty about it. Fortunately, my financial information was on PayPal so I went into my account and stopped Conde Naste from being able to access my financial info for renewal. I feel sorry for subscribers who gave them their credit card informati", "url": "https://reddit.com/r/darkpatterns/comments/1nxafq5/cond\u00e9_nasty_and_wired_magazine_are_maggots/" }, { "title": "I finally caved and got a new can opener.", "subreddit": "BuyItForLife", "num_comments": 76, "score": 0.898, "selftext": "So I buy most things that I need secondhand or at a deep discount because I\u2019m cheap. After buying several can openers at thrift stores and at discount stores that didn\u2019t work worth a damn, I finally caved and decided I would buy a nicer one brand new. I did a little research and a lot of people recommended swing away. I wanted one with the crank for my arthritis. I still got this out of the used section on Amazon, so it was probably a return. For some reason, I thought this was one with a foldin", "url": "https://reddit.com/r/BuyItForLife/comments/1qqoi3y/i_finally_caved_and_got_a_new_can_opener/" }, { "title": "What are things you will never buy second-hand even though it is much cheaper then to buy a new one?", "subreddit": "Frugal", "num_comments": 518, "score": 0.886, "selftext": "I am interested to hear other frugal people. What are things you will never buy second-hand even though it is much cheaper then to buy a new one? \n\nI personally never buy expensive electronic, such as phones, PCs etc, direct from people - if it break in one month after, I have nowhere to go. However I do buy cheap electronic (under 100 Euros). For example I plan to buy a screen for my PC and a printer. ", "url": "https://reddit.com/r/Frugal/comments/1qpcher/what_are_things_you_will_never_buy_secondhand/" }, { "title": "What\u2019s something you stopped buying cheaply because replacing it kept costing more?", "subreddit": "Frugal", "num_comments": 203, "score": 0.88, "selftext": "I recently broke my third garlic press in the past year lol. It finally made the \u201cbuy it nice or buy it twice\u201d saying click for me.\n\nEvery time I bought one, I told myself the cheap one was fine. And it was\u2026 until it wasn\u2019t. Bent handle, cracked hinge, garlic stuck everywhere. Then back to the store again.\n\nWhen I added it up, I realized I\u2019d already spent more replacing cheap versions than I would have on one solid tool that actually lasts. Same story with a few other things around the house.\n\nC", "url": "https://reddit.com/r/Frugal/comments/1qiewbb/whats_something_you_stopped_buying_cheaply/" }, { "title": "Brand name TP \"forever roll\" - good deal?", "subreddit": "Frugal", "num_comments": 40, "score": 0.876, "selftext": "Has anyone done the math recently on the Charmin \"Forever Roll\"? Is it any cheaper per unit than, say, the nicer Aldi or other store brand toilet paper? It's been marketed as a frugal option, but my instinct is that it's still more expensive. \n\nI searched the sub for posts on this but couldn't find any less than 7 years old. And a lot happened in the uh toilet paper economy between now and then! Remember trying to buy toilet paper in March 2020? \n\nAnyway, thanks! ", "url": "https://reddit.com/r/Frugal/comments/1qx4zui/brand_name_tp_forever_roll_good_deal/" }, { "title": "Flip the script - what shouldn\u2019t be bought for life?", "subreddit": "BuyItForLife", "num_comments": 618, "score": 0.874, "selftext": "While we all can agree quality, enduring purchases are inherently worthwhile, what is your go-to list of items that should be routinely replaced or upgraded? Maybe something that people might overlook and neglect to upgrade overtime but then be pleasantly surprised when they do? For me, I would start with running shoes - it not only feels better, but it\u2019s safer medically for injury prevention and improves your performance as well. ", "url": "https://reddit.com/r/BuyItForLife/comments/1qtjtc3/flip_the_script_what_shouldnt_be_bought_for_life/" }, { "title": "Secondhand shopping tip: read OLD reviews", "subreddit": "Frugal", "num_comments": 27, "score": 0.862, "selftext": "Hi, I wanted to share an approach I use when shopping secondhand. I like reading Wirecutter reviews/ \"best of\" lists. For example, my trusty snow boots my mom bought me in middle school are now wearing out, so I need snow boots. I pulled up the Wirecutter snow boots reviews, and noticed that many of the boot models mentioned were new and not really available secondhand, only at full price $230+. But the article also mentioned that they had reviewed boots in previous years that are now discontinu", "url": "https://reddit.com/r/Frugal/comments/1qvpyh8/secondhand_shopping_tip_read_old_reviews/" }, { "title": "How do I talk myself out of buying a $400 pair of sunglasses that I\u2019ve been wanting for a while", "subreddit": "Frugal", "num_comments": 67, "score": 0.856, "selftext": "My brain is hyper fixated on purchasing a pair of gentle monster sunglasses that are retailing for $400. Do I really need them? No, I could definitely live without it, but I just can\u2019t help myself to stop fixating or wanting them.\n\nI have a lot of expenses that I need to take care of monthly like my dogs special veterinary diet my phone bill, my car insurance and I also need to go to the dentist for a dental cleaning.\n\nI think buying the sunglasses will make me feel really good about myself ever", "url": "https://reddit.com/r/Frugal/comments/1qx372f/how_do_i_talk_myself_out_of_buying_a_400_pair_of/" }, { "title": "What is a small ticket item that you bought from another country and became a game changer? Which country?", "subreddit": "BuyItForLife", "num_comments": 124, "score": 0.808, "selftext": "I got a spoon of sorts from the Netherlands that allows me to scrape the walls of my sauce containers, and shampoo bottles (a different one). I am now getting about 5% more from every bottle in my home!", "url": "https://reddit.com/r/BuyItForLife/comments/1qti5xc/what_is_a_small_ticket_item_that_you_bought_from/" }, { "title": "A USB-C Charger that can charge a laptop and other devices without weighing like a brick", "subreddit": "BuyItForLife", "num_comments": 15, "score": 0.806, "selftext": "", "url": "https://reddit.com/r/BuyItForLife/comments/1qzvmol/a_usbc_charger_that_can_charge_a_laptop_and_other/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 15, "cross_source_count": 1, "reddit_post_count": 15, "question_signal_count": 15, "has_question_signal": true }, { "cluster_id": 35, "topics": [ { "topic_name": "Hamilton Beach mixer from great grandmother", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/BuyItForLife/comments/1qk4x7i/hamilton_beach_mixer_from_great_grandmother/", "signal_type": "question" }, { "topic_name": "Every Christmas since 1998/99 my wife\u2019s aunt has bought her a couple new pieces of Villeroy & Boch\u2026 we use it every day.", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/BuyItForLife/comments/1qgvc0m/every_christmas_since_199899_my_wifes_aunt_has/", "signal_type": "question" }, { "topic_name": "American home shield replacing my professional line Viking double oven with a run of the mill kitchen aid.", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/legaladvice/comments/1qlc63j/american_home_shield_replacing_my_professional/", "signal_type": "question" }, { "topic_name": "I inherited a full Revere Ware set.", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/BuyItForLife/comments/1qwxmgh/i_inherited_a_full_revere_ware_set/", "signal_type": "question" }, { "topic_name": "Scored myself an Oster Regency Kitchen Center for 26 bucks at thrift. Works perfectly.", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/BuyItForLife/comments/1qj7mxz/scored_myself_an_oster_regency_kitchen_center_for/", "signal_type": "question" }, { "topic_name": "Dinnerware recommendation. Looking at Made In.", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/BuyItForLife/comments/1r0suit/dinnerware_recommendation_looking_at_made_in/", "signal_type": "question" }, { "topic_name": "My BuyItForLife sandwich maker", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/BuyItForLife/comments/1qnedc8/my_buyitforlife_sandwich_maker/", "signal_type": "question" }, { "topic_name": "What happened to glass jars on blenders?", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/BuyItForLife/comments/1qpb5oy/what_happened_to_glass_jars_on_blenders/", "signal_type": "question" }, { "topic_name": "Just bought a new cast iron pan from Lodge", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/BuyItForLife/comments/1qpfe0l/just_bought_a_new_cast_iron_pan_from_lodge/", "signal_type": "question" }, { "topic_name": "De Buyer frying pan. First time with carbon steel. Picture as stock, after 1 seasoning and 2 seasonings.", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/BuyItForLife/comments/1qwrkqg/de_buyer_frying_pan_first_time_with_carbon_steel/", "signal_type": "question" }, { "topic_name": "Different Moccamaster KBGV Brew basket, and water basin lids: My In-Law's new Moccamaster has different plastic lids compared to my ~3 year old one of the same model. New, cheaper feeling lids not shown on product pages.", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/BuyItForLife/comments/1qzko59/different_moccamaster_kbgv_brew_basket_and_water/", "signal_type": "question" }, { "topic_name": "Hestan Nanobond Cookware", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/BuyItForLife/comments/1qzh69i/hestan_nanobond_cookware/", "signal_type": "question" }, { "topic_name": "Food mixer I inherited from my mum circa 1970\u2019s", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/BuyItForLife/comments/1qfz6h3/food_mixer_i_inherited_from_my_mum_circa_1970s/", "signal_type": "question" }, { "topic_name": "My new BIFL flatware", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1qokoij/my_new_bifl_flatware/", "signal_type": "question" }, { "topic_name": "A true BIFL - Tang Pitcher", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1qyfag8/a_true_bifl_tang_pitcher/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Hamilton Beach mixer from great grandmother", "subreddit": "BuyItForLife", "num_comments": 71, "score": 0.976, "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", "url": "https://reddit.com/r/BuyItForLife/comments/1qk4x7i/hamilton_beach_mixer_from_great_grandmother/" }, { "title": "Every Christmas since 1998/99 my wife\u2019s aunt has bought her a couple new pieces of Villeroy & Boch\u2026 we use it every day.", "subreddit": "BuyItForLife", "num_comments": 69, "score": 0.964, "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 & Boch?", "url": "https://reddit.com/r/BuyItForLife/comments/1qgvc0m/every_christmas_since_199899_my_wifes_aunt_has/" }, { "title": "American home shield replacing my professional line Viking double oven with a run of the mill kitchen aid.", "subreddit": "LegalAdvice", "num_comments": 62, "score": 0.962, "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", "url": "https://reddit.com/r/legaladvice/comments/1qlc63j/american_home_shield_replacing_my_professional/" }, { "title": "I inherited a full Revere Ware set.", "subreddit": "BuyItForLife", "num_comments": 111, "score": 0.962, "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. ", "url": "https://reddit.com/r/BuyItForLife/comments/1qwxmgh/i_inherited_a_full_revere_ware_set/" }, { "title": "Scored myself an Oster Regency Kitchen Center for 26 bucks at thrift. Works perfectly.", "subreddit": "BuyItForLife", "num_comments": 34, "score": 0.95, "selftext": "Info: -1970's\\~ Oster Regency Kitchen Center. \n\\-Purchased 2026 fully functional. \n \nApologies for using an image from online. Currently removing the UV stain on it with some hydrocream and sunlight which is why I havnt taken a photo. \n \nI got this from a mission thrift store for $26 bucks! From what ive heard these last for generations of use and im super pumped! I even remember my grandma using one of these. I imagine with routine maintenance this will survive me.", "url": "https://reddit.com/r/BuyItForLife/comments/1qj7mxz/scored_myself_an_oster_regency_kitchen_center_for/" }, { "title": "Dinnerware recommendation. Looking at Made In.", "subreddit": "BuyItForLife", "num_comments": 46, "score": 0.908, "selftext": "Hello,\n\nOver the past 5-10 years I\u2019ve spent way too much money trying to find quality dinnerware. \n\nMy latest purchase (AFTER my stoneware purchase that cracked just looking at them), which was very expensive, was a set of Le Creuset dinner plates (luckily I just bought the dinner plates) and while they haven\u2019t chipped or cracked, the amount of scratches from simple, everyday use is obscene. I cannot fathom what they will look like if I use a steak knife. \n\nHas anyone purchased Made In dinnerwar", "url": "https://reddit.com/r/BuyItForLife/comments/1r0suit/dinnerware_recommendation_looking_at_made_in/" }, { "title": "My BuyItForLife sandwich maker", "subreddit": "BuyItForLife", "num_comments": 46, "score": 0.906, "selftext": "Made of cast iron. Original one comes with long handles. Not very stove stop friendly. So made some customization.", "url": "https://reddit.com/r/BuyItForLife/comments/1qnedc8/my_buyitforlife_sandwich_maker/" }, { "title": "What happened to glass jars on blenders?", "subreddit": "BuyItForLife", "num_comments": 237, "score": 0.904, "selftext": "I just picked up a Vitamix A3500 to replace my failed Breville Ikon (no parts available) and was surprised that the jars are plastic. \n\nThese are not cheap devices, why are the jars not glass? (and why does an SS jar cost $250!!)", "url": "https://reddit.com/r/BuyItForLife/comments/1qpb5oy/what_happened_to_glass_jars_on_blenders/" }, { "title": "Just bought a new cast iron pan from Lodge", "subreddit": "BuyItForLife", "num_comments": 112, "score": 0.858, "selftext": "Never thought I\u2019m gonna invest for a long term use kitchenware, but I think I made a mistake by buying the 12\u201d pan. Took me a long time to heat it and I use the induction cooker, or is it normal for this pan to take a long time to get hot? ", "url": "https://reddit.com/r/BuyItForLife/comments/1qpfe0l/just_bought_a_new_cast_iron_pan_from_lodge/" }, { "title": "De Buyer frying pan. First time with carbon steel. Picture as stock, after 1 seasoning and 2 seasonings.", "subreddit": "BuyItForLife", "num_comments": 65, "score": 0.856, "selftext": "Pan made in France. Seasoning guide from Prudent Reviews on Youtube. Worked like a charm even for a newbie like myself. Now it's time to cook!", "url": "https://reddit.com/r/BuyItForLife/comments/1qwrkqg/de_buyer_frying_pan_first_time_with_carbon_steel/" }, { "title": "Different Moccamaster KBGV Brew basket, and water basin lids: My In-Law's new Moccamaster has different plastic lids compared to my ~3 year old one of the same model. New, cheaper feeling lids not shown on product pages.", "subreddit": "BuyItForLife", "num_comments": 19, "score": 0.852, "selftext": "As described these new lids, which I can see on other people's posts of their new machines as well, look and feel cheaper than the old ones that in comparison feel thicker, sturdier, and visually are more attractive. These new lids are not shown in any of the product pages, do not show up on the replacement parts page for the KGBV.\n\nI am pretty disappointed by this change. These are not cheap machines, and most of us buy them figuring we are getting great quality through the entire machine. Chea", "url": "https://reddit.com/r/BuyItForLife/comments/1qzko59/different_moccamaster_kbgv_brew_basket_and_water/" }, { "title": "Hestan Nanobond Cookware", "subreddit": "BuyItForLife", "num_comments": 17, "score": 0.85, "selftext": "I have been cooking in Hestan Nanobond pretty much daily since 2020. They have truly sealed rims, so they can be thrown in the dishwasher without a care in the world. I have burnt stuff into them, cooked countless meals in them, and moved with them... and only periodicly used Hestan's Nanobond cleaner or Barkeeper's Friend (BKF) or Soft Scrub or Bon Ami to polish them up.\n\nYes, they are very expensive luxury cookware but I do find the sealed rims, flat rivets, and Nanobond surface worth it to me", "url": "https://reddit.com/r/BuyItForLife/comments/1qzh69i/hestan_nanobond_cookware/" }, { "title": "Food mixer I inherited from my mum circa 1970\u2019s", "subreddit": "BuyItForLife", "num_comments": 6, "score": 0.85, "selftext": "I\u2019ve had this mixer for 15 years, used for countless cakes. Today, after an almost 60 year run, I\u2019m retiring it. You will be missed \ud83e\udd72", "url": "https://reddit.com/r/BuyItForLife/comments/1qfz6h3/food_mixer_i_inherited_from_my_mum_circa_1970s/" }, { "title": "My new BIFL flatware", "subreddit": "BuyItForLife", "num_comments": 119, "score": 0.8240000000000001, "selftext": "I did tons of research online on what flatware to get and seems like a lot of well known brands has gone downhills in quality with inferior stainless steel prone to rusting like Liberty Tabletop or are now much lighter weight compared to the old ones prone to bending like Oneida. Here's what I decided.\n\n\\- Robert Welch Kingham forks and spoons. There some rumors that there kitchen knives has gone downhills and chips easily but nothing about there flatware going down in quality.\n\n\\- Studio Nova P", "url": "https://reddit.com/r/BuyItForLife/comments/1qokoij/my_new_bifl_flatware/" }, { "title": "A true BIFL - Tang Pitcher", "subreddit": "BuyItForLife", "num_comments": 29, "score": 0.8140000000000001, "selftext": "Bought by my grandparents and used for my dad when he was a kid. Now we use it to store iced coffee. Thick wall glass - love this thing!", "url": "https://reddit.com/r/BuyItForLife/comments/1qyfag8/a_true_bifl_tang_pitcher/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 15, "cross_source_count": 1, "reddit_post_count": 15, "question_signal_count": 15, "has_question_signal": true }, { "cluster_id": 14, "topics": [ { "topic_name": "[Request] Mobile island and wooden cutting board", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/BuyItForLife/comments/1r232mc/request_mobile_island_and_wooden_cutting_board/", "signal_type": "question" }, { "topic_name": "These desks are common and BIFL", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/BuyItForLife/comments/1r1eask/these_desks_are_common_and_bifl/", "signal_type": "question" }, { "topic_name": "Furniture recommendations", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/BuyItForLife/comments/1r255bc/furniture_recommendations/", "signal_type": "question" }, { "topic_name": "Decorated my walls for less than $30!", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/Frugal/comments/1r0hikd/decorated_my_walls_for_less_than_30/", "signal_type": "question" }, { "topic_name": "Looking for really cheap bath towels", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/Frugal/comments/1r1pve5/looking_for_really_cheap_bath_towels/", "signal_type": "question" }, { "topic_name": "Looking for a personal table that can be put away quickly.", "source": "reddit", "region": "global", "score": 0.958, "url": "https://reddit.com/r/BuyItForLife/comments/1r1mxku/looking_for_a_personal_table_that_can_be_put_away/", "signal_type": "question" }, { "topic_name": "A titanium spork for your work or school bag", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/BuyItForLife/comments/1qkwm5t/a_titanium_spork_for_your_work_or_school_bag/", "signal_type": "question" }, { "topic_name": "Do I really need to drop big money on an office chair just to get the best?", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/BuyItForLife/comments/1r0vikr/do_i_really_need_to_drop_big_money_on_an_office/", "signal_type": "question" }, { "topic_name": "How do people evaluate quality with high end handmade home d\u00e9cor?", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/BuyItForLife/comments/1r114nm/how_do_people_evaluate_quality_with_high_end/", "signal_type": "question" }, { "topic_name": "Seems like I need to get another Embody\u2026", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/BuyItForLife/comments/1qddzfj/seems_like_i_need_to_get_another_embody/", "signal_type": "question" }, { "topic_name": "Vintage White sewing machine", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/BuyItForLife/comments/1qctntb/vintage_white_sewing_machine/", "signal_type": "question" }, { "topic_name": "best work desk for herman miller areon chair?", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/BuyItForLife/comments/1r0nfzi/best_work_desk_for_herman_miller_areon_chair/", "signal_type": "question" }, { "topic_name": "Best Gaming Chairs That Actually Last?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/BuyItForLife/comments/1qi6xf7/best_gaming_chairs_that_actually_last/", "signal_type": "question" }, { "topic_name": "Color Printer for use with Glossy paper", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/BuyItForLife/comments/1r0cg8g/color_printer_for_use_with_glossy_paper/", "signal_type": "question" } ], "reddit_posts": [ { "title": "[Request] Mobile island and wooden cutting board", "subreddit": "BuyItForLife", "num_comments": 2, "score": 0.984, "selftext": "Counter space is very limited, I'm looking for a mobile island (cart) along with a wooden cutting board (to purchase separately, of course) [like this](https://butcherblockco.com/product/chrisandchris-stadium-chef-series-11615), any ideas how to narrow the search? The cart itself is quite niche besides those from Amazon which all seem kind of a joke.\n\n* Mobile cart/island: The majority of the frame should be stainless steel and with little unnecessary nooks and nooks and crannies for easy pat d", "url": "https://reddit.com/r/BuyItForLife/comments/1r232mc/request_mobile_island_and_wooden_cutting_board/" }, { "title": "These desks are common and BIFL", "subreddit": "BuyItForLife", "num_comments": 41, "score": 0.976, "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).", "url": "https://reddit.com/r/BuyItForLife/comments/1r1eask/these_desks_are_common_and_bifl/" }, { "title": "Furniture recommendations", "subreddit": "BuyItForLife", "num_comments": 6, "score": 0.972, "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", "url": "https://reddit.com/r/BuyItForLife/comments/1r255bc/furniture_recommendations/" }, { "title": "Decorated my walls for less than $30!", "subreddit": "Frugal", "num_comments": 47, "score": 0.97, "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 $29.99 after applying a small gift card and promo codes. My walls are now (mostly) covered ", "url": "https://reddit.com/r/Frugal/comments/1r0hikd/decorated_my_walls_for_less_than_30/" }, { "title": "Looking for really cheap bath towels", "subreddit": "Frugal", "num_comments": 20, "score": 0.962, "selftext": "I have 4 bath towels to my name and I'm trying to find more but my income is limited. I don't want to buy anything expensive, even if it's really high quality. I'm looking for towels or sets of towels that are 2$ 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.", "url": "https://reddit.com/r/Frugal/comments/1r1pve5/looking_for_really_cheap_bath_towels/" }, { "title": "Looking for a personal table that can be put away quickly.", "subreddit": "BuyItForLife", "num_comments": 16, "score": 0.958, "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&gad_campaignid=10697534794&gbraid=0AAAAAD27g7wGz5cqCg7fPkHim-mwUjof9&gclid=Cj0KCQiA7rDMBhCjARIsAGDBuEDvjqHlQeecHtOk-rvwuubfQNK9", "url": "https://reddit.com/r/BuyItForLife/comments/1r1mxku/looking_for_a_personal_table_that_can_be_put_away/" }, { "title": "A titanium spork for your work or school bag", "subreddit": "BuyItForLife", "num_comments": 218, "score": 0.9299999999999999, "selftext": "As someone who always forgets to grab a spoon or fork before leaving for work I switched over to having a dedicated spork made from titanium in my bag. \n\nThey weigh next to nothing and I've had mine in my bag for years now.", "url": "https://reddit.com/r/BuyItForLife/comments/1qkwm5t/a_titanium_spork_for_your_work_or_school_bag/" }, { "title": "Do I really need to drop big money on an office chair just to get the best?", "subreddit": "BuyItForLife", "num_comments": 96, "score": 0.926, "selftext": "Hi I'm seriously thinking about getting a real ergo chair. I'm a freelancer WFH so I'm basically glued to my desk most days. Lately I've been noticing that my back starts to hurt if I sit for too long. My current chair is cheap and I never buy a high-end chair before. I still keep hesitating on spending a lot on it. Should I invest a better one?\n\nHere're what I'm looking for in a chair:\n\nSomething lets me sit in different positions\n\nI'd really like to have a headrest\n\nAdjustable armrests\n\nI've b", "url": "https://reddit.com/r/BuyItForLife/comments/1r0vikr/do_i_really_need_to_drop_big_money_on_an_office/" }, { "title": "How do people evaluate quality with high end handmade home d\u00e9cor?", "subreddit": "BuyItForLife", "num_comments": 8, "score": 0.902, "selftext": "There\u2019s a noticeable gap in how people talk about mass-produced home d\u00e9cor versus\r\nhandmade pieces, especially when it comes to rugs and textiles. With factory products,\r\ncomparisons are usually straightforward price, materials, reviews, and return policies.\r\nHandmade items are different. Two pieces can look similar on paper yet feel very different in\r\nperson, and that makes evaluation less obvious.\n\r\nA lot of boutique sites focus on storytelling and visuals, but that doesn\u2019t always translate in", "url": "https://reddit.com/r/BuyItForLife/comments/1r114nm/how_do_people_evaluate_quality_with_high_end/" }, { "title": "Seems like I need to get another Embody\u2026", "subreddit": "BuyItForLife", "num_comments": 34, "score": 0.872, "selftext": "A picture of my awesome Cat sitting on my Herman Miller x Logitech Embody Chair", "url": "https://reddit.com/r/BuyItForLife/comments/1qddzfj/seems_like_i_need_to_get_another_embody/" }, { "title": "Vintage White sewing machine", "subreddit": "BuyItForLife", "num_comments": 13, "score": 0.864, "selftext": "Saw this on market place comes in original table and accessories. Problem is I\u2019m new to sewing - I don\u2019t know what I\u2019m doing at all - we are in a temp\n\nRental and don\u2019t know where we are moving next. Looks to be in great shape from pics \u2026 and its $150 could offer less \u2026 \n\nThoughts ? Not sure I should be taking on a habit like this at this moment but I wanna learn!", "url": "https://reddit.com/r/BuyItForLife/comments/1qctntb/vintage_white_sewing_machine/" }, { "title": "best work desk for herman miller areon chair?", "subreddit": "BuyItForLife", "num_comments": 7, "score": 0.862, "selftext": "i have the aaron chair would any desk work or it has to be herman miller? if not, can you recommend me one?", "url": "https://reddit.com/r/BuyItForLife/comments/1r0nfzi/best_work_desk_for_herman_miller_areon_chair/" }, { "title": "Best Gaming Chairs That Actually Last?", "subreddit": "BuyItForLife", "num_comments": 175, "score": 0.838, "selftext": "Looking for the best gaming chair that actually lasts and doesn\u2019t fall apart after a couple of years. I want to invest in something that\u2019s a good gaming chair and built to stand up to long use not another cheap seat that sags or breaks.\n\nWhat do you think is the best chair for video gaming if you\u2019re thinking BIFL? I\u2019ve seen tons of gaming chairs pop up everywhere, but most seem like gimmicks or cheap materials that won\u2019t hold up.\n\nWhich of the best gaming chair brands are actually worth trusting", "url": "https://reddit.com/r/BuyItForLife/comments/1qi6xf7/best_gaming_chairs_that_actually_last/" }, { "title": "Color Printer for use with Glossy paper", "subreddit": "BuyItForLife", "num_comments": 5, "score": 0.834, "selftext": "I'm looking for a printer that I can use to print covers for Video Games like for the Nintendo DS, so that I can recreate the cases.\n\nThe printer must be able to print COLOR on GLOSSY paper.\nI've seen a lot of recommendations for Brother LaserJet printers but all of the ones I have seen are monochrome.\nI will be using it for monochrome, traditional letter paper, sometimes. \n\nI want this thing to last me more than our Epson office printer that lasted 6 months. \n\nEdit: Since it seems to be a talki", "url": "https://reddit.com/r/BuyItForLife/comments/1r0cg8g/color_printer_for_use_with_glossy_paper/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 14, "cross_source_count": 1, "reddit_post_count": 14, "question_signal_count": 14, "has_question_signal": true }, { "cluster_id": 27, "topics": [ { "topic_name": "Can someone explain self employment taxes like I\u2019m 5???", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/personalfinance/comments/1r2ds7f/can_someone_explain_self_employment_taxes_like_im/", "signal_type": "question" }, { "topic_name": "Can I file for a composite 1099 tax?", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/personalfinance/comments/1r25sr6/can_i_file_for_a_composite_1099_tax/", "signal_type": "question" }, { "topic_name": "Which tax software to use if I want to file jointly for federal but have to file separately for states?", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/personalfinance/comments/1r2bu2f/which_tax_software_to_use_if_i_want_to_file/", "signal_type": "question" }, { "topic_name": "Why such a big difference between two Tax companies?", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/personalfinance/comments/1qo6qgz/why_such_a_big_difference_between_two_tax/", "signal_type": "question" }, { "topic_name": "LPT keep your pay stub handy for taxes this year", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/LifeProTips/comments/1qw9bau/lpt_keep_your_pay_stub_handy_for_taxes_this_year/", "signal_type": "question" }, { "topic_name": "it\u2019s official, I no longer owe the IRS", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/povertyfinance/comments/1qkqxmy/its_official_i_no_longer_owe_the_irs/", "signal_type": "question" }, { "topic_name": "Filed tax before Roth IRA contribution", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/personalfinance/comments/1r27tzr/filed_tax_before_roth_ira_contribution/", "signal_type": "question" }, { "topic_name": "I already filed taxes as Married Filing Separately, but realized we should have filed jointly. How should I amend my return", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/personalfinance/comments/1qze6w2/i_already_filed_taxes_as_married_filing/", "signal_type": "question" }, { "topic_name": "Should I start doing my own taxes this year?", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/personalfinance/comments/1r23nfu/should_i_start_doing_my_own_taxes_this_year/", "signal_type": "question" }, { "topic_name": "Online business girl math \ud83d\udc85", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/antiMLM/comments/1qtmg5e/online_business_girl_math/", "signal_type": "question" }, { "topic_name": "Free Tax software Worked Great for me", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/Frugal/comments/1qu5cb3/free_tax_software_worked_great_for_me/", "signal_type": "question" }, { "topic_name": "Tax Filing Software Megathread: A comprehensive list of tax filing resources", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/personalfinance/comments/1qfcm9n/tax_filing_software_megathread_a_comprehensive/", "signal_type": "question" }, { "topic_name": "This website looks like it is from the early 2000's, but if you can bare with it, OLT.com is legit free Federal taxes and 9.99 for state. My uncle worked for the IRS and recommended it to me years ago.", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/Frugal/comments/1qu2ato/this_website_looks_like_it_is_from_the_early/", "signal_type": "question" }, { "topic_name": "Job moving us from W2 to 1099, but I'm still not really sure what that means for us", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/personalfinance/comments/1qc6hxj/job_moving_us_from_w2_to_1099_but_im_still_not/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Can someone explain self employment taxes like I\u2019m 5???", "subreddit": "personalfinance", "num_comments": 3, "score": 0.956, "selftext": "", "url": "https://reddit.com/r/personalfinance/comments/1r2ds7f/can_someone_explain_self_employment_taxes_like_im/" }, { "title": "Can I file for a composite 1099 tax?", "subreddit": "personalfinance", "num_comments": 2, "score": 0.9339999999999999, "selftext": "My brokerage says the form wont be ready on or after 2/13 but I already see a composite 1099 available. Can I just use that and file it now?", "url": "https://reddit.com/r/personalfinance/comments/1r25sr6/can_i_file_for_a_composite_1099_tax/" }, { "title": "Which tax software to use if I want to file jointly for federal but have to file separately for states?", "subreddit": "personalfinance", "num_comments": 6, "score": 0.9319999999999999, "selftext": "I and my spouse lived and worked in different states in 2025. Both our states require us to file separately in such case. However, I would like to file the federal jointly. Unfortunately, freetaxusa doesn\u2019t support joint federal filing and then separate state filing. What other options do I have? Thanks!", "url": "https://reddit.com/r/personalfinance/comments/1r2bu2f/which_tax_software_to_use_if_i_want_to_file/" }, { "title": "Why such a big difference between two Tax companies?", "subreddit": "personalfinance", "num_comments": 240, "score": 0.9299999999999999, "selftext": "I have been using TurboTax for 14 straight years, until I decided to look up and compare it\nto FreeTaxUSA just today because its been highly recommended everywhere i look.\n\nTo my surprised, my estimated federal refund is about $1500 more with FreeTaxUSA than TurboTax?\n\nI compared every data I could between the two including the W-2\u2019s, EIC, Additional Child Tax Credits, etc.\n\nI haven\u2019t fully filed my taxes yet on any of the two Tax companies, I just got to a point where I input and uploaded any i", "url": "https://reddit.com/r/personalfinance/comments/1qo6qgz/why_such_a_big_difference_between_two_tax/" }, { "title": "LPT keep your pay stub handy for taxes this year", "subreddit": "LifeProTips", "num_comments": 116, "score": 0.9299999999999999, "selftext": "Part of the Big Beautiful Bill they passed is deductions for overtime. I don't remember doing this last year. \n\nIf it's not in Box 14 on your W-2, you should see it on your paycheck under overtime pay, and look for the YTD (year to date) column on the last paycheck you got of 2025", "url": "https://reddit.com/r/LifeProTips/comments/1qw9bau/lpt_keep_your_pay_stub_handy_for_taxes_this_year/" }, { "title": "it\u2019s official, I no longer owe the IRS", "subreddit": "povertyfinance", "num_comments": 63, "score": 0.902, "selftext": "sorry if this doesn\u2019t apply. But I don\u2019t qualify for the debt free sub. Last year I started getting out of debt. In total I had over 23K including IRS back taxes. As of today, I no longer owe the IRS! I made them my bitch! ", "url": "https://reddit.com/r/povertyfinance/comments/1qkqxmy/its_official_i_no_longer_owe_the_irs/" }, { "title": "Filed tax before Roth IRA contribution", "subreddit": "personalfinance", "num_comments": 12, "score": 0.896, "selftext": "I already filed our (MFJ) tax with freetaxUSA and got email confirmation that our return has been accepted. I reported that we contributed maximum $14,000 in Roth IRA for my spouse and I for 2025 tax year. The thing is we only contributed $7,000 for my spouse Roth IRA. I plan to contribute $7,000 to mine before April 15th. Will I have any issue with the tax man? We are well under the phase out threshold.", "url": "https://reddit.com/r/personalfinance/comments/1r27tzr/filed_tax_before_roth_ira_contribution/" }, { "title": "I already filed taxes as Married Filing Separately, but realized we should have filed jointly. How should I amend my return", "subreddit": "personalfinance", "num_comments": 39, "score": 0.878, "selftext": "I got married early last year and figured it would be easier to file our taxes separately, but didn't realize my spouse's 1098-T would be rejected for \"married filing separately\" (this makes no sense to me what so ever). My taxes were already filed and accepted. Should I have my spouse do theirs as Jointly while I file a 1040-X or just submit one amended tax return", "url": "https://reddit.com/r/personalfinance/comments/1qze6w2/i_already_filed_taxes_as_married_filing/" }, { "title": "Should I start doing my own taxes this year?", "subreddit": "personalfinance", "num_comments": 8, "score": 0.852, "selftext": "Wife and I both have a W2. Wife and I both have separate businesses on the side. Vacation planning and candle making. Each has an LLC. My wife also has a small 1099 for coaching gymnastics. We track expenses ourselves.\n\nI\u2019ve gotten so used to just uploading my documents to the CPA and then doing nothing, but this year I feel like I need to reconsider as we are doing our best Dave Ramsey impression and saving $750 would be great.\n\nFrom what I understand, free tax USA should work for us? I don\u2019t b", "url": "https://reddit.com/r/personalfinance/comments/1r23nfu/should_i_start_doing_my_own_taxes_this_year/" }, { "title": "Online business girl math \ud83d\udc85", "subreddit": "antiMLM", "num_comments": 49, "score": 0.846, "selftext": "I swear none of these huns actually understand how tax write offs work. ", "url": "https://reddit.com/r/antiMLM/comments/1qtmg5e/online_business_girl_math/" }, { "title": "Free Tax software Worked Great for me", "subreddit": "Frugal", "num_comments": 46, "score": 0.8280000000000001, "selftext": "I used freetaxusa and it worked great. I even had several 1099-int\u2019s and a 1099-R, besides my w2.\n\nIt walked me through many suggestions as a senior to cut my taxes; suggested that I could cut my bill in half by making an IRA deposit, so I claimed it and I\u2019ll do it by 4/15.\n\nI was also able to set up my debit payment for April free of charge.\n\nMy state doesn\u2019t have income taxes but I think this is where they get you. I think it was $15 for state returns (correct this if you used it), but it\u2019s fr", "url": "https://reddit.com/r/Frugal/comments/1qu5cb3/free_tax_software_worked_great_for_me/" }, { "title": "Tax Filing Software Megathread: A comprehensive list of tax filing resources", "subreddit": "personalfinance", "num_comments": 202, "score": 0.8240000000000001, "selftext": "Please use this thread to discuss various methods of filing taxes. This can include:\n\n* Tax Software Recommendations (give detail as to *why!*) \n* Tax Software Experiences \n* Other Tax Filing Tools \n* Experiences with Filing Manually\n* Past Experiences using CPAs or other professionals \n* Tax Filing Tips, Tricks, and Helpful Hints\n\nIf you have any specific questions, or need personalized help with taxes that don't belong here, feel free to [start a new discussion](http://old.reddit.com/r/per", "url": "https://reddit.com/r/personalfinance/comments/1qfcm9n/tax_filing_software_megathread_a_comprehensive/" }, { "title": "This website looks like it is from the early 2000's, but if you can bare with it, OLT.com is legit free Federal taxes and 9.99 for state. My uncle worked for the IRS and recommended it to me years ago.", "subreddit": "Frugal", "num_comments": 57, "score": 0.8240000000000001, "selftext": "My uncle, who had worked for the IRS, turned me onto this website a few years ago for filing taxes. It looks out-dated, I know, but it takes you through the tax process in a very straight forward manner for free. They do charge 9.99 for state, but it is worth it and I have never been charged more than the 9.99 in my four years of filing with them. I just got mine done in about 20 minutes because it saves your info for the next year and felt like I needed to let everyone know about this. Save you", "url": "https://reddit.com/r/Frugal/comments/1qu2ato/this_website_looks_like_it_is_from_the_early/" }, { "title": "Job moving us from W2 to 1099, but I'm still not really sure what that means for us", "subreddit": "personalfinance", "num_comments": 84, "score": 0.8200000000000001, "selftext": "Hello! I work as a part timer at an after school program and just this week got a text talking about how we're transitioning from a \"W-2 payroll structure to a 1099 independent contractor model\".\n\nNot too long before this we got texts saying we're going from $x/hour to $y per session we teach the kids.\n\nIg my questions are if they can just do this without us signing anything? Am I being misclassified? And if I'm not, is there a good tool out there to figuring out how much taxes to set aside e", "url": "https://reddit.com/r/personalfinance/comments/1qc6hxj/job_moving_us_from_w2_to_1099_but_im_still_not/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 14, "cross_source_count": 1, "reddit_post_count": 14, "question_signal_count": 14, "has_question_signal": true }, { "cluster_id": 63, "topics": [ { "topic_name": "Is my grandma dealing with a scam?", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/Scams/comments/1qtlzmv/is_my_grandma_dealing_with_a_scam/", "signal_type": "question" }, { "topic_name": "[us] life's over mom got scammed for 200k and she's in 70k debt", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/Scams/comments/1qgut06/us_lifes_over_mom_got_scammed_for_200k_and_shes/", "signal_type": "question" }, { "topic_name": "[EU] My grandparents got scammed out of everything", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/Scams/comments/1qx6pkx/eu_my_grandparents_got_scammed_out_of_everything/", "signal_type": "question" }, { "topic_name": "My sister got scammed $10k", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/Scams/comments/1qo4w48/my_sister_got_scammed_10k/", "signal_type": "question" }, { "topic_name": "[US] My papaw is being scammed and I don\u2019t know what to do", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/Scams/comments/1r1ojae/us_my_papaw_is_being_scammed_and_i_dont_know_what/", "signal_type": "question" }, { "topic_name": "Uncle Scammed - $400K total", "source": "reddit", "region": "global", "score": 0.894, "url": "https://reddit.com/r/Scams/comments/1qnz4u7/uncle_scammed_400k_total/", "signal_type": "question" }, { "topic_name": "I GOT SCAMMED $20,000 by my friend and I don't know what to do", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/legaladvice/comments/1qhlkao/i_got_scammed_20000_by_my_friend_and_i_dont_know/", "signal_type": "question" }, { "topic_name": "[U. S.] Possible church inheritance scam?", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/Scams/comments/1qdp2nn/u_s_possible_church_inheritance_scam/", "signal_type": "question" }, { "topic_name": "[US] elderly father fell for financial scam", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/Scams/comments/1r0a3yo/us_elderly_father_fell_for_financial_scam/", "signal_type": "question" }, { "topic_name": "Granma almost got sucked into a YoungLiving scam", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/antiMLM/comments/1qrz6av/granma_almost_got_sucked_into_a_youngliving_scam/", "signal_type": "question" }, { "topic_name": "My elderly mom got scammed", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/Scams/comments/1qz8emr/my_elderly_mom_got_scammed/", "signal_type": "question" }, { "topic_name": "Potential Whole sale real estate scam with my brother.", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/Scams/comments/1qzmf6z/potential_whole_sale_real_estate_scam_with_my/", "signal_type": "question" }, { "topic_name": "Boss rescinds gift to avoid taxes", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/legaladvice/comments/1qz653x/boss_rescinds_gift_to_avoid_taxes/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Is my grandma dealing with a scam?", "subreddit": "Scams", "num_comments": 157, "score": 0.982, "selftext": "Some guy is trying to get her to pay $300 so he can help her withdraw. I\u2019m trying to figure out if this is worth messing with or if I can withdraw it myself lol.\n\nAccount is still under verification but as far as I\u2019m concerned this is the legit blockchain app so I\u2019m not sure.\n\nI\u2019m rolling with a scam and will most likely stop wasting my time. I\u2019ve tried to check to see if it\u2019s a honey pot but I don\u2019t know much about this shit. I\u2019m a 21 yo HVAC apprentice lol.\n\nThanks.\n\nPost character limit not r", "url": "https://reddit.com/r/Scams/comments/1qtlzmv/is_my_grandma_dealing_with_a_scam/" }, { "title": "[us] life's over mom got scammed for 200k and she's in 70k debt", "subreddit": "Scams", "num_comments": 97, "score": 0.976, "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", "url": "https://reddit.com/r/Scams/comments/1qgut06/us_lifes_over_mom_got_scammed_for_200k_and_shes/" }, { "title": "[EU] My grandparents got scammed out of everything", "subreddit": "Scams", "num_comments": 136, "score": 0.962, "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", "url": "https://reddit.com/r/Scams/comments/1qx6pkx/eu_my_grandparents_got_scammed_out_of_everything/" }, { "title": "My sister got scammed $10k", "subreddit": "Scams", "num_comments": 34, "score": 0.914, "selftext": "I need advice on how to help her. Her logic has completely gone out the window and she is thinking she can still get the money back. She is vulnerable because of mental illness. \n\nShe was scammed $5k from a job online promising her $15k is she puts in another 2k. The job was to push a button and complete \"bundles\". It was advertising so her pushing the button would create advertising or something. She had to put in her own money upfront to do these bundles and the last bundle locked her money in", "url": "https://reddit.com/r/Scams/comments/1qo4w48/my_sister_got_scammed_10k/" }, { "title": "[US] My papaw is being scammed and I don\u2019t know what to do", "subreddit": "Scams", "num_comments": 16, "score": 0.902, "selftext": "For context my mema died in 2024 and since then my papaw hasnt been the same since. They were best friends and it totally broke him.\n\nIn early 2025 he met a lady on Facebook claiming that she lost her husband as well. And they quickly started talking. She\u2019s a young lady maybe a few years younger than my mom. At first, it was just talking and then they later got romantic. It made me my mom very uncomfortable, but we couldn\u2019t talk him out of it.\n\nFast forward to now she\u2019s using him for money. I\u2019ve", "url": "https://reddit.com/r/Scams/comments/1r1ojae/us_my_papaw_is_being_scammed_and_i_dont_know_what/" }, { "title": "Uncle Scammed - $400K total", "subreddit": "Scams", "num_comments": 60, "score": 0.894, "selftext": "So just learning the details. My elderly uncle fell for a crypto style scam. It's the usual variety of a lure of a friendship/romance scam followed up by a \"crypto investment\" one. I think they call it Pig Butchering according to the feds.\n\nHe's already reported it but I'm very bewildered by one supposed part of the scam where he sent $100K to pay \"taxes\" and release the million in his fake portfolio. He apprently sent a cashiers check to a specific name. I searched the address and name on Spoke", "url": "https://reddit.com/r/Scams/comments/1qnz4u7/uncle_scammed_400k_total/" }, { "title": "I GOT SCAMMED $20,000 by my friend and I don't know what to do", "subreddit": "LegalAdvice", "num_comments": 249, "score": 0.884, "selftext": "Location: So my childhood friend lives in Seattle and I am in LA. He reached out to me the day after I got out of the hospital and gained my trust. He soon after suggested I invest in his truck business. I used my saved up money to invest $20,000 total in that business. The money was wired to an account he provided. He signed a contract that I created through docu-sign with his personal email promising even if the business fails, he would pay back the $20,000 before the set date. However, after", "url": "https://reddit.com/r/legaladvice/comments/1qhlkao/i_got_scammed_20000_by_my_friend_and_i_dont_know/" }, { "title": "[U. S.] Possible church inheritance scam?", "subreddit": "Scams", "num_comments": 73, "score": 0.842, "selftext": "Hey, scam detectors:\n\nI am a pastor of a church. One of our members (who is also a member of another church) passed away in November. \n\nOur church received an email from a financial institution saying that the deceased has remembered us in his will. (not uncommon at all)\n\nThey said they needed a contact person for this and to get some information from us. We usually get the treasurer to do this. but my scam senses were tingling. \n\nWhen people remember us in their will, we usually get a letter fr", "url": "https://reddit.com/r/Scams/comments/1qdp2nn/u_s_possible_church_inheritance_scam/" }, { "title": "[US] elderly father fell for financial scam", "subreddit": "Scams", "num_comments": 14, "score": 0.84, "selftext": "my elderly dad, who were actually in the process of getting tested for early stages of dementia, fell for some kind of financial online scam.\n\nhe originally gave approx $20k to \u201cinvest\u201d, and then ended up giving them another $40k while attempting to recover his money. he also sent pictures of his passport and social security. in addition, he received some vaguely threatening texts about if he were to contact authorities, it would end badly for him.\n\nobviously i know the money can\u2019t be recovered,", "url": "https://reddit.com/r/Scams/comments/1r0a3yo/us_elderly_father_fell_for_financial_scam/" }, { "title": "Granma almost got sucked into a YoungLiving scam", "subreddit": "antiMLM", "num_comments": 16, "score": 0.8200000000000001, "selftext": "I happened to be visiting my grandma yesterday at her store. A customer came in, a lady about her age and the conversation got onto the aches and pains that come with being 80. \nThis asks my grandma about essential oils and my ears perked right up. I was standing near the other end of the counter (It's a very long, straight counter with the register and other things in the center. They were standing at the checkout spot on the left and I was on the empty space near the right end where grandma ", "url": "https://reddit.com/r/antiMLM/comments/1qrz6av/granma_almost_got_sucked_into_a_youngliving_scam/" }, { "title": "My elderly mom got scammed", "subreddit": "Scams", "num_comments": 47, "score": 0.8160000000000001, "selftext": "She was trying to order some coffee online. She somehow ended up at \"deathwishcofe.com\". \n\nShe attempted to order coffee as it was listed as a big sale. Each checkout attempt failed so she kept trying different cards.\n\nShe realized the mistake after she called black rifle coffee support phone number. How she got from death wish to black rifle, I do not understand but they advised her that it was a fake website and she cancelled her cards quickly before damage was done.\n\nHowever, a few days later", "url": "https://reddit.com/r/Scams/comments/1qz8emr/my_elderly_mom_got_scammed/" }, { "title": "Potential Whole sale real estate scam with my brother.", "subreddit": "Scams", "num_comments": 12, "score": 0.802, "selftext": "[US] My brother, someone\u2019s who not the best with finances in general, came around asking family for $1400. A week after he said something nonchalant about getting into whole sale real estate\u2026When asked what for, he was kind of hazy with the details. Basically all i got was the classic \u201cIts a sure thing to profit\u201d \u201cYou give them the money and sign a contract and if they don\u2019t profit you get your $1400 back\u201d and \u201cits a group buy in\u201d. Try his hand in whole sale real estate\u201d Can anyone tell me what ", "url": "https://reddit.com/r/Scams/comments/1qzmf6z/potential_whole_sale_real_estate_scam_with_my/" }, { "title": "Boss rescinds gift to avoid taxes", "subreddit": "LegalAdvice", "num_comments": 200, "score": 0.9, "selftext": "I worked for a small company for about 40 years. The boss closed the business and took his equity. He gifted me $145K wired from his personal bank account to me. In this way, we both avoided paying taxes through the gift tax exclusion. this transaction occurred in 2024. Now, I received a 1099NEC for $150K dated 2025. How can he do this? So now it seems that I have to pay tax on that money, it no longer being a gift, but wages. This doesn't seem legal. First, the amount is wrong, and the payment ", "url": "https://reddit.com/r/legaladvice/comments/1qz653x/boss_rescinds_gift_to_avoid_taxes/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 13, "cross_source_count": 1, "reddit_post_count": 13, "question_signal_count": 13, "has_question_signal": true }, { "cluster_id": 25, "topics": [ { "topic_name": "AirBnB Host is Requesting 50K in Damages for an Accident? [USA]", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/legaladvice/comments/1qjcr44/airbnb_host_is_requesting_50k_in_damages_for_an/", "signal_type": "question" }, { "topic_name": "Hot water tank leaked and ruined the floor, and they are holding me liable", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/Insurance/comments/1qpvs6j/hot_water_tank_leaked_and_ruined_the_floor_and/", "signal_type": "question" }, { "topic_name": "15 years of water issues what legal recourse, if any, do I have here?", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/legaladvice/comments/1r2d4zk/15_years_of_water_issues_what_legal_recourse_if/", "signal_type": "question" }, { "topic_name": "Fire From My Property Caused Minor Damage To Neighbor's Well Pump - Replace, Quote, Insurance, Pound Sand?", "source": "reddit", "region": "global", "score": 0.904, "url": "https://reddit.com/r/Insurance/comments/1r1m171/fire_from_my_property_caused_minor_damage_to/", "signal_type": "question" }, { "topic_name": "A co worker threw scalding hot water at my nephew.", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/legaladvice/comments/1qyxo48/a_co_worker_threw_scalding_hot_water_at_my_nephew/", "signal_type": "question" }, { "topic_name": "My manager is trying to make us pay for a grease fire that none of us caused", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/legaladvice/comments/1qxy2hz/my_manager_is_trying_to_make_us_pay_for_a_grease/", "signal_type": "question" }, { "topic_name": "WA State - Landlord wants me to pay for damages because I didnt \"push for a maintenance request enough\".", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/legaladvice/comments/1qk2hps/wa_state_landlord_wants_me_to_pay_for_damages/", "signal_type": "question" }, { "topic_name": "A the water authority in Mercersburg, Pennsylvania is now denying the local Fire Department use of the fire hydrants to put out fires. They told the Fire Chief to let the buildings burn. Wouldn't that make the town uninsurable or cause MASSIVE rate hikes at the minimum?", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/Insurance/comments/1qv9uds/a_the_water_authority_in_mercersburg_pennsylvania/", "signal_type": "question" }, { "topic_name": "Tenant water damage", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/legaladvice/comments/1r280vl/tenant_water_damage/", "signal_type": "question" }, { "topic_name": "LPT: If you find a water stain on your ceiling or a leak under your sink, report it immediately. Ignoring it for even a week can cause your insurance claim to be denied.", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/LifeProTips/comments/1qnhkut/lpt_if_you_find_a_water_stain_on_your_ceiling_or/", "signal_type": "question" }, { "topic_name": "Is this normal?", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/Insurance/comments/1r1e69d/is_this_normal/", "signal_type": "question" }, { "topic_name": "Do I owe my city and neighbor a new plumbing line? If so, how do I fund it?", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/povertyfinance/comments/1r0tbyk/do_i_owe_my_city_and_neighbor_a_new_plumbing_line/", "signal_type": "question" }, { "topic_name": "The city of Kirkland,WA approved a contractor to put a storm drain catch basin on my fenced yard.", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/legaladvice/comments/1qjipml/the_city_of_kirklandwa_approved_a_contractor_to/", "signal_type": "question" } ], "reddit_posts": [ { "title": "AirBnB Host is Requesting 50K in Damages for an Accident? [USA]", "subreddit": "LegalAdvice", "num_comments": 210, "score": 0.988, "selftext": "Hi everyone! I am new to this sub and to reddit in general, so I apologize for any mistakes here. \n\nLocation: Nevada, USA\n\nI stayed at an AirBnB a couple weeks ago. The shower handle broke off and began spewing water at like 2AM, and I immediately contacted the host for assistance and called the fire department to shut off the water. I did everything possible to dry the water from the floor, but there was definitely damage. \n\nThe host didn\u2019t respond to me until 8AM the next morning despite multi", "url": "https://reddit.com/r/legaladvice/comments/1qjcr44/airbnb_host_is_requesting_50k_in_damages_for_an/" }, { "title": "Hot water tank leaked and ruined the floor, and they are holding me liable", "subreddit": "Insurance", "num_comments": 75, "score": 0.9319999999999999, "selftext": "My hot water tank is not inside my townhouse, it is outside in an adjacent room. The pump valve failed and leaked water all over the floor, and as soon as I noticed the water I reported it. Now the landlord is saying I am liable for the damage to the floor that has to be completely replaced, and telling me to file a liability claim with my renters insurance. Their quote for replacing the floor is $5,400. Is this standard procedure? Is it fair to hold me liable for the floor being damaged in a wa", "url": "https://reddit.com/r/Insurance/comments/1qpvs6j/hot_water_tank_leaked_and_ruined_the_floor_and/" }, { "title": "15 years of water issues what legal recourse, if any, do I have here?", "subreddit": "LegalAdvice", "num_comments": 4, "score": 0.924, "selftext": "Location: Breckenridge, CO \nI have been renting in the same commercial space in Breckenridge CO for 30 years. the first 15 we're fine. In 2012 the landlord allowed (but claimed in a written statement he was unaware that the plumber had cut a hole in my wall;he also however stated that he had cleared the penetration with a manager; even though that was not true) a plumber to come in without notice and put a 4 inch pipe in the middle of a mural on our wall and said it wasn't a big deal that Mural ", "url": "https://reddit.com/r/legaladvice/comments/1r2d4zk/15_years_of_water_issues_what_legal_recourse_if/" }, { "title": "Fire From My Property Caused Minor Damage To Neighbor's Well Pump - Replace, Quote, Insurance, Pound Sand?", "subreddit": "Insurance", "num_comments": 6, "score": 0.904, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1r1m171/fire_from_my_property_caused_minor_damage_to/" }, { "title": "A co worker threw scalding hot water at my nephew.", "subreddit": "LegalAdvice", "num_comments": 22, "score": 0.882, "selftext": "Location: Statesville NC - Today my nephew who is 16 informed me he was at the ER. As a coworker tossed 200 degree water on him. He works at a restaurant chain owned by a multibillion dollar company. He advises me, this isn\u2019t the first time this person has done this. That the assailant has been told by leadership not to do it before. Though he did admit that he has thrown ice at him prior when he has done it. Should we look at getting legal for this? Should we just take what the company ", "url": "https://reddit.com/r/legaladvice/comments/1qyxo48/a_co_worker_threw_scalding_hot_water_at_my_nephew/" }, { "title": "My manager is trying to make us pay for a grease fire that none of us caused", "subreddit": "LegalAdvice", "num_comments": 123, "score": 0.864, "selftext": "Location: Georgia, USA\n\nBasically what the title says but they were originally gonna make us pay more to help out the employee who caused it with the promise that we\u2019d be paid back. (Nobody signed it) Now the person who caused it has quit and we got this message today\u2026 \n\n\u201cHey team big announcement regarding the grease fire in December. I've listened to everyone's concerns about the original contract and we have come to a final conclusion with a new contract being drafted. In summary: total owed ", "url": "https://reddit.com/r/legaladvice/comments/1qxy2hz/my_manager_is_trying_to_make_us_pay_for_a_grease/" }, { "title": "WA State - Landlord wants me to pay for damages because I didnt \"push for a maintenance request enough\".", "subreddit": "LegalAdvice", "num_comments": 33, "score": 0.862, "selftext": "Location: WA State \n\nA few months ago I put in a maintenance request for my bathroom. The caulking between the shower stall and floor laminate was cracking and created a space between that water was getting into. I took what measures I could, keeping the area dry and using my bath mat. \n\nThere didn't appear to be any damage at the time, but I put in the request right away because I knew it could be a problem in the future. I noted in the request that I was concerned about future water damage. A ", "url": "https://reddit.com/r/legaladvice/comments/1qk2hps/wa_state_landlord_wants_me_to_pay_for_damages/" }, { "title": "A the water authority in Mercersburg, Pennsylvania is now denying the local Fire Department use of the fire hydrants to put out fires. They told the Fire Chief to let the buildings burn. Wouldn't that make the town uninsurable or cause MASSIVE rate hikes at the minimum?", "subreddit": "Insurance", "num_comments": 6, "score": 0.846, "selftext": "Link to the original post.\n\nhttps://www.reddit.com/r/mildlyinfuriating/comments/1qv7ofq/a_nearby_fire_department_is_being_told_they/", "url": "https://reddit.com/r/Insurance/comments/1qv9uds/a_the_water_authority_in_mercersburg_pennsylvania/" }, { "title": "Tenant water damage", "subreddit": "LegalAdvice", "num_comments": 3, "score": 0.846, "selftext": "Location: Pittsburgh, PA \n \nTenant lease expired, they were moving out. Snow storm hitting. Tenant asked for a little extra time to move out. Granted verbally. 9 days later a pipe burst cauing lots of damage. The gas was on but the tenant had physically turned the heat off at the thermostat. The tenant still appears to have a couch, end table, lamp, a large box with some fluffy thing in it, and mixer in the unit. Two bycicles, a grill, and a motorcycle on the premises with a license pla", "url": "https://reddit.com/r/legaladvice/comments/1r280vl/tenant_water_damage/" }, { "title": "LPT: If you find a water stain on your ceiling or a leak under your sink, report it immediately. Ignoring it for even a week can cause your insurance claim to be denied.", "subreddit": "LifeProTips", "num_comments": 85, "score": 0.836, "selftext": "Most homeowners assume their insurance covers \"water damage.\" It doesn't.\n\n\n\nStandard policies cover \"Sudden and Accidental\" discharge of water (like a burst pipe or a washing machine hose snapping).\n\n\n\nThey explicitly exclude damage caused by \"seepage, leakage, or maintenance issues\" that occur over a period of time (usually defined as 14 days or more).\n\n\n\nThe Trap:\n\nIf you see a small stain on the ceiling and think, \"I'll deal with that next month,\" you are walking into a denial.\n\n\\- If the ad", "url": "https://reddit.com/r/LifeProTips/comments/1qnhkut/lpt_if_you_find_a_water_stain_on_your_ceiling_or/" }, { "title": "Is this normal?", "subreddit": "Insurance", "num_comments": 8, "score": 0.834, "selftext": "Moved to a house in September last year. Sewer line has roots in it. I purchased underground utility coverage for $10k limit per occurance.\n\nThey send out the claims to a 3rd party company. that company says they will provide me with $2500 in coverage because the lines are 50+ years old.\n\nIs this normal? I purchased that coverage of 10k for a reason. Why am I not getting my full amount covered by my insurance? ", "url": "https://reddit.com/r/Insurance/comments/1r1e69d/is_this_normal/" }, { "title": "Do I owe my city and neighbor a new plumbing line? If so, how do I fund it?", "subreddit": "povertyfinance", "num_comments": 3, "score": 0.832, "selftext": "", "url": "https://reddit.com/r/povertyfinance/comments/1r0tbyk/do_i_owe_my_city_and_neighbor_a_new_plumbing_line/" }, { "title": "The city of Kirkland,WA approved a contractor to put a storm drain catch basin on my fenced yard.", "subreddit": "LegalAdvice", "num_comments": 45, "score": 0.802, "selftext": "I live in a small house built in 1961 in Kirkland, WA (King County). \nMy front neighbor across the street lost her husband and sold her land to a developer short after. \nThe developer got a contractor and put the old house down and is now building a new house at least 3 times bigger. \n \nThere's little to no green area left around the mega house so the contractor is connecting the rain spouts to the storm drain that passes in front of my house. He got the city of Kirkland to approve his proje", "url": "https://reddit.com/r/legaladvice/comments/1qjipml/the_city_of_kirklandwa_approved_a_contractor_to/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 13, "cross_source_count": 1, "reddit_post_count": 13, "question_signal_count": 13, "has_question_signal": true }, { "cluster_id": 48, "topics": [ { "topic_name": "Thank you /r/scams for teaching me about pig butchering. I almost fell for one off Tinder.", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/Scams/comments/1qeaamr/thank_you_rscams_for_teaching_me_about_pig/", "signal_type": "question" }, { "topic_name": "Pig Butchering Scams in Indian Matrimony Sites- Awareness", "source": "reddit", "region": "global", "score": 0.992, "url": "https://reddit.com/r/Scams/comments/1r1xkha/pig_butchering_scams_in_indian_matrimony_sites/", "signal_type": "question" }, { "topic_name": "Romance Scams - Showing us who our family members really are", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/Scams/comments/1qml304/romance_scams_showing_us_who_our_family_members/", "signal_type": "question" }, { "topic_name": "[IN] Almost fell for a WhatsApp job scam \u2013 sharing so others don\u2019t get trapped", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/Scams/comments/1r1pye5/in_almost_fell_for_a_whatsapp_job_scam_sharing_so/", "signal_type": "question" }, { "topic_name": "[Ma] What is this Scam\u2019s motive?", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/Scams/comments/1r1y2rn/ma_what_is_this_scams_motive/", "signal_type": "question" }, { "topic_name": "(CAN) Scammers in dating apps?", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/Scams/comments/1r0rgqd/can_scammers_in_dating_apps/", "signal_type": "question" }, { "topic_name": "After the Scam: benefits drawbacks of reporting the scam - and to whom?", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/Scams/comments/1r0lizi/after_the_scam_benefits_drawbacks_of_reporting/", "signal_type": "question" }, { "topic_name": "A possible tool to help you break someone out of a romance scam", "source": "reddit", "region": "global", "score": 0.8260000000000001, "url": "https://reddit.com/r/Scams/comments/1qcvqr4/a_possible_tool_to_help_you_break_someone_out_of/", "signal_type": "question" }, { "topic_name": "Pig butcher scammer (uk)", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/Scams/comments/1qeqy58/pig_butcher_scammer_uk/", "signal_type": "question" }, { "topic_name": "Interrogation of Kandise Sheahen who killed her grandmother with Q Science products", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/antiMLM/comments/1r29bkl/interrogation_of_kandise_sheahen_who_killed_her/", "signal_type": "question" }, { "topic_name": "Almost recruited by Amway", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/antiMLM/comments/1qpua7c/almost_recruited_by_amway/", "signal_type": "question" }, { "topic_name": "Should I string out Amway and BWW and waste their time?", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/antiMLM/comments/1ql52li/should_i_string_out_amway_and_bww_and_waste_their/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Thank you /r/scams for teaching me about pig butchering. I almost fell for one off Tinder.", "subreddit": "Scams", "num_comments": 135, "score": 0.998, "selftext": "I met a lady on a dating app. She wanted to move to Whatsapp after a while. I didn't think anything of it. \n\nWe talked for a while, shared values. Seemed like a good time over all! We were in agreement with what our values were. \n\nUnfortunately, she was in singapore right now, so we were just chatting. Her timing seemed to line up with how she was texting at those times. \n\nI grew a little wary once she started talking about her investments, and her goal for going from $400k USD to $1m USD. Odd, ", "url": "https://reddit.com/r/Scams/comments/1qeaamr/thank_you_rscams_for_teaching_me_about_pig/" }, { "title": "Pig Butchering Scams in Indian Matrimony Sites- Awareness", "subreddit": "Scams", "num_comments": 13, "score": 0.992, "selftext": "Before 2 years a girl from UK accepted my interest in a matrimonial app and we had started talking. All the contact was on WhatsApp messages only. She was talking normally at first, then she was talking about cryptocurrency, trading and stuff.\n\nShe was sending Good morning everyday with some motivational quote, always asking how my day was and everything. A girl doing this was pretty new to me. Previously I was trying to get into a relationship with my colleague and was doing this stuff. Sending", "url": "https://reddit.com/r/Scams/comments/1r1xkha/pig_butchering_scams_in_indian_matrimony_sites/" }, { "title": "Romance Scams - Showing us who our family members really are", "subreddit": "Scams", "num_comments": 91, "score": 0.98, "selftext": "I\u2019ve been dealing with a family member caught up in a romance scam. I\u2019ve given up at this point and cut contact. It got me thinking though, these romance scammers are showing us who our family members really are, and it\u2019s not pretty.\n\n\\- Willing to do ANYTHING for their \u201cpartner\u201d and NO ONE is off limits\n\n\\- Greed: Lusting after a fictitious Swiss bank account that their \u201cpartner\u201d supposedly has\n\n\\- Putting a \u201cpartner\u201d above their family and own well being.\n\nNo one is holding a gun to their head", "url": "https://reddit.com/r/Scams/comments/1qml304/romance_scams_showing_us_who_our_family_members/" }, { "title": "[IN] Almost fell for a WhatsApp job scam \u2013 sharing so others don\u2019t get trapped", "subreddit": "Scams", "num_comments": 5, "score": 0.972, "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", "url": "https://reddit.com/r/Scams/comments/1r1pye5/in_almost_fell_for_a_whatsapp_job_scam_sharing_so/" }, { "title": "[Ma] What is this Scam\u2019s motive?", "subreddit": "Scams", "num_comments": 62, "score": 0.898, "selftext": "I met a guy on a dating app and we been talking for a while. This guy claims to be super wealthy with always lots of lifestyle stories and very Hot pictures, claims to be of very high social class etc.. Something deep inside of me always knew he was faking his life. Anw, he\u2019s been calling me daily for 2 last months and we did build a connection- regardless of his fake persona I actually enjoyed talking to him a lot. \n\n\n\nAlongside our online discussions we were talking about business idea and we ", "url": "https://reddit.com/r/Scams/comments/1r1y2rn/ma_what_is_this_scams_motive/" }, { "title": "(CAN) Scammers in dating apps?", "subreddit": "Scams", "num_comments": 14, "score": 0.846, "selftext": "So I was on Blk dating the other day and I had matched with this Filipino woman, we matched immediately when we start talking. I had a weird feeling. My spider sense was tingling. But the first day we were talking it was very casual and nothing too serious. The second day I was talking to her, she casually brings up that she does some trading. I thought oh OK that\u2019s cool. I said I\u2019ve traded too on wealth simple, and I ask her if she\u2019d had some success. She begins to tell me that she can help me ", "url": "https://reddit.com/r/Scams/comments/1r0rgqd/can_scammers_in_dating_apps/" }, { "title": "After the Scam: benefits drawbacks of reporting the scam - and to whom?", "subreddit": "Scams", "num_comments": 7, "score": 0.83, "selftext": "Writing for a friend who was a victim of pig butchering via a Dating app. Should they report it to police or fbi and to the dating app? They thought they were investing in crypto, are the losses tax deductible? ", "url": "https://reddit.com/r/Scams/comments/1r0lizi/after_the_scam_benefits_drawbacks_of_reporting/" }, { "title": "A possible tool to help you break someone out of a romance scam", "subreddit": "Scams", "num_comments": 40, "score": 0.8260000000000001, "selftext": "With it being so incredibly hard to get someone to see that they're involved in a romance scam, we can use every tool we can get. The problem with most of them is that scammers always seem to have something they can say to counter them. Well, I wonder if maybe I've found one that might work, if you could talk the victim into trying it.\n\nHere goes. What would happen if you could get the victim to say to the scammer something like, \"Elon (or whatever fake name the scammer is using), this has been ", "url": "https://reddit.com/r/Scams/comments/1qcvqr4/a_possible_tool_to_help_you_break_someone_out_of/" }, { "title": "Pig butcher scammer (uk)", "subreddit": "Scams", "num_comments": 17, "score": 0.808, "selftext": "Hi I\u2019m new to this reddit page but just wanted to speak of my (current) experience with a pig butcherer. To give a little context, she messaged me out of the blue on WhatsApp in December with the whole wrong number shtick, I gave it no thought.\n\nFrom there we kept speaking and she explained how she came to London from Malaysia for her work in the fashion industry and how her hobbies were meditation, yoga and CRYPTO! And that her uncle works for some company in Washington DC and helps her with cr", "url": "https://reddit.com/r/Scams/comments/1qeqy58/pig_butcher_scammer_uk/" }, { "title": "Interrogation of Kandise Sheahen who killed her grandmother with Q Science products", "subreddit": "antiMLM", "num_comments": 2, "score": 0.994, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1r29bkl/interrogation_of_kandise_sheahen_who_killed_her/" }, { "title": "Almost recruited by Amway", "subreddit": "antiMLM", "num_comments": 37, "score": 0.896, "selftext": "Met this woman in Target late last year. I\u2019m gonna call her S. I said I liked her hair and she was quick to exchange numbers. Shortly after, she\u2019s texting me, asking if I would like to go out for coffee. Plans fell through and I don\u2019t talk to her for a month and change. One day she random texts me asking if I want to have coffee again. I say yes, we meet for coffee, she mentions her and her husband\u2018s business. Her husband\u2019s name is J.\n\nThe word mentorship is thrown around a lot. Husband and I ar", "url": "https://reddit.com/r/antiMLM/comments/1qpua7c/almost_recruited_by_amway/" }, { "title": "Should I string out Amway and BWW and waste their time?", "subreddit": "antiMLM", "num_comments": 36, "score": 0.812, "selftext": "Got hit up and got told about Rob and (I forgot his wife's name), pretty sure fictional characters. I took a screenshot and drew this triangle off the bat and smiled through a zoom meeting.\n\nShould I continue to waste their time, knowing they ain't gonna get me.", "url": "https://reddit.com/r/antiMLM/comments/1ql52li/should_i_string_out_amway_and_bww_and_waste_their/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 12, "cross_source_count": 1, "reddit_post_count": 12, "question_signal_count": 12, "has_question_signal": true }, { "cluster_id": 62, "topics": [ { "topic_name": "[US] My MIL has lost over $250k to romance scams. We just discovered she stole ~$150k from her sister.", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/Scams/comments/1qm9x9e/us_my_mil_has_lost_over_250k_to_romance_scams_we/", "signal_type": "question" }, { "topic_name": "Man admits to torturing woman, 19, to death; her brother and their MLM coach facing murder charge", "source": "reddit", "region": "global", "score": 0.97, "url": "https://reddit.com/r/antiMLM/comments/1r0p6ay/man_admits_to_torturing_woman_19_to_death_her/", "signal_type": "question" }, { "topic_name": "[US] My mom is deeply involved in a celebrity scam", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/Scams/comments/1qr4tz0/us_my_mom_is_deeply_involved_in_a_celebrity_scam/", "signal_type": "question" }, { "topic_name": "Sandra Bullock Romance Scam - My Poor Dad", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/Scams/comments/1qi4m4w/sandra_bullock_romance_scam_my_poor_dad/", "signal_type": "question" }, { "topic_name": "USA Tenant is being romance scammed and refuses believe it", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/Scams/comments/1qqas83/usa_tenant_is_being_romance_scammed_and_refuses/", "signal_type": "question" }, { "topic_name": "Oil rig scammers. What\u2019s the outcome if their victim is poor?", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/Scams/comments/1qbkrm1/oil_rig_scammers_whats_the_outcome_if_their/", "signal_type": "question" }, { "topic_name": "(US) My mom and her scammer", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/Scams/comments/1ql0fi7/us_my_mom_and_her_scammer/", "signal_type": "question" }, { "topic_name": "[USA] Did you manage to save your family member from a romance scam?", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/Scams/comments/1qnlm2u/usa_did_you_manage_to_save_your_family_member/", "signal_type": "question" }, { "topic_name": "My mother is being romanced scammed by CeeDee Lamb impersonators.", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/Scams/comments/1qu8838/my_mother_is_being_romanced_scammed_by_ceedee/", "signal_type": "question" }, { "topic_name": "[US] My mother (60f) fell for a fake remote job and a false unemployment claim was filed under her name.", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/Scams/comments/1r1jdhl/us_my_mother_60f_fell_for_a_fake_remote_job_and_a/", "signal_type": "question" }, { "topic_name": "My mother in law thinks she has contact with the prince of Dubai", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/Scams/comments/1qj3f8t/my_mother_in_law_thinks_she_has_contact_with_the/", "signal_type": "question" }, { "topic_name": "[US] Christian Mingle girl wants my brothers roommate to meet her in Kenya. Red flags here?", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/Scams/comments/1qglmva/us_christian_mingle_girl_wants_my_brothers/", "signal_type": "question" } ], "reddit_posts": [ { "title": "[US] My MIL has lost over $250k to romance scams. We just discovered she stole ~$150k from her sister.", "subreddit": "Scams", "num_comments": 169, "score": 0.984, "selftext": "I need advice on a situation that has spiraled from standard scam victimhood into serious elder financial abuse.\n\nThe Background - My mother-in-law (MIL) has been a constant romance scam victim for the last 8 years. Over that time, she has given away at least $250k of her own money along with tens of thousands she borrowed from others before we know she was involved in these scams. It\u2019s the standard script: oil rig workers, rich businessmen trapped overseas, missing-in-action soldiers, etc.\n\n* W", "url": "https://reddit.com/r/Scams/comments/1qm9x9e/us_my_mil_has_lost_over_250k_to_romance_scams_we/" }, { "title": "Man admits to torturing woman, 19, to death; her brother and their MLM coach facing murder charge", "subreddit": "antiMLM", "num_comments": 4, "score": 0.97, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1r0p6ay/man_admits_to_torturing_woman_19_to_death_her/" }, { "title": "[US] My mom is deeply involved in a celebrity scam", "subreddit": "Scams", "num_comments": 118, "score": 0.95, "selftext": "My mom \\[66\\] behavior has changed over two years for the worst. She called me two years ago and told me that she is talking to Chris Brown. She said she met up with him and his manager at a hotel. It was so weird. I kept questioning her and she would get defensive.\n\nThere\u2019s so much so I will make it quick. Anyway she told me about arguments and how his management takes most of his money. I said DO NOT GIVE THIS SCAMMER ANYTHING. She said she already told him no\u2026 anyway she said drop the convo a", "url": "https://reddit.com/r/Scams/comments/1qr4tz0/us_my_mom_is_deeply_involved_in_a_celebrity_scam/" }, { "title": "Sandra Bullock Romance Scam - My Poor Dad", "subreddit": "Scams", "num_comments": 165, "score": 0.948, "selftext": "My elderly father was contacted via Facebook by people who \u201cwork\u201d for Sandra Bullock and asked him if he would fight scammers on her behalf. 2 years later, he\u2019s done such a good job that he\u2019s now talking and texting with \u201cSandra Bullock\u201d. As far as I know, he hasn\u2019t given her any money, but I can\u2019t help feeling like this is pig butchering. \n\nDoes anyone know more about this type of scam? Does anyone have success getting their parents to see the light? \n\nHe gets angry when I gently bring up that ", "url": "https://reddit.com/r/Scams/comments/1qi4m4w/sandra_bullock_romance_scam_my_poor_dad/" }, { "title": "USA Tenant is being romance scammed and refuses believe it", "subreddit": "Scams", "num_comments": 93, "score": 0.926, "selftext": "Asking for advice. One of my tenants is involved in a romance/valentine scam. She met \"him\" on Facebook Dating almost a year ago. They have never met in person or video chatted, she calls him her boyfriend. He has a house in FL and says he is going to move to AZ or Canada soon. He is from Germany and a contractor so travels a lot. \n\nAnyways onto the scam... She has been receiving checks and wires for him. She is depositing these funds into her personal bank account and sending then funds out to ", "url": "https://reddit.com/r/Scams/comments/1qqas83/usa_tenant_is_being_romance_scammed_and_refuses/" }, { "title": "Oil rig scammers. What\u2019s the outcome if their victim is poor?", "subreddit": "Scams", "num_comments": 92, "score": 0.91, "selftext": "I am certain my elderly neighbour is being scammed. But she is a pensioner on a fixed income.\n\nShe met this \u201cman\u201d during online scrabble and chat daily. They have had video calls and he is from Louisiana and on an oil rig in the Baltic.\n\nThey are \u201cengaged\u201d and he was supposed to come to Australia for 3 months to see her. But suddenly had a bad accident and sent her hospital pictures which she insists is accurate and real compared to her video calls.\n\nApparently this accident he was air lifted b", "url": "https://reddit.com/r/Scams/comments/1qbkrm1/oil_rig_scammers_whats_the_outcome_if_their/" }, { "title": "(US) My mom and her scammer", "subreddit": "Scams", "num_comments": 34, "score": 0.884, "selftext": "Two years ago, my mom decided to put herself back on the market. She hadn\u2019t been on a date or romantically spoken to someone in 17 1/2 years. I was all for it and I helped her make her profile as well as take pictures for her profile. She was getting a bunch of hits, but eventually settled on this one guy who went by the name Minthuane. \n\nHe advertise himself as a over 6 foot white male that has parents from Thailand. The way that he portrayed himself to her was very alarming to me. But was even", "url": "https://reddit.com/r/Scams/comments/1ql0fi7/us_my_mom_and_her_scammer/" }, { "title": "[USA] Did you manage to save your family member from a romance scam?", "subreddit": "Scams", "num_comments": 50, "score": 0.878, "selftext": "My mother (59) is deeply addicted to a romance scam. There have been a lot of things leading up to this that I believe are the reason she fell so hard. (Health, cognitive issues, loneliness, no money, no retirement, can't hold a job/get hired, a very hard life) She has given thousands of what little money had from unemployment and well meaning family members to trying to keep her housed.\n\nI moved her in with me and my husband after she was facing homelessness in another state. This is only a tem", "url": "https://reddit.com/r/Scams/comments/1qnlm2u/usa_did_you_manage_to_save_your_family_member/" }, { "title": "My mother is being romanced scammed by CeeDee Lamb impersonators.", "subreddit": "Scams", "num_comments": 46, "score": 0.8180000000000001, "selftext": "My mother has been talking to who she believes to be Ceedee Lamb of the Dallas Cowboys for over a year now. \n\n \nShe's sent gift cards and I was able to recover her money once when she confessed what she did. I went through her phone with her permission and blocked everything. A month or so later, she was right back at it. They contact her through Facebook and Messenger and she's been lured to Telegram, Zangi, Whatsapp and Google Chat too. \n\n\n\nI've warned her and spoken to her multiple times abo", "url": "https://reddit.com/r/Scams/comments/1qu8838/my_mother_is_being_romanced_scammed_by_ceedee/" }, { "title": "[US] My mother (60f) fell for a fake remote job and a false unemployment claim was filed under her name.", "subreddit": "Scams", "num_comments": 13, "score": 0.916, "selftext": "I feel very guilty for not seeing the red flags sooner. I live with her and my father. She has been out of work for over a year and was very vulnerable to this remote work scam, especially because she has done legitimate remote IT work before. The other day I found out that they wanted her to send them Apple gift cards, and managed to convince her it was fraudulent. She did send them one gift card before I learned about it, but I'm just glad this didn't go any further on that front. She has not ", "url": "https://reddit.com/r/Scams/comments/1r1jdhl/us_my_mother_60f_fell_for_a_fake_remote_job_and_a/" }, { "title": "My mother in law thinks she has contact with the prince of Dubai", "subreddit": "Scams", "num_comments": 54, "score": 0.874, "selftext": "My mother-in-law genuinely believes she has been in personal contact with the \u201creal\u201d Prince of Dubai for almost 10 years.\n\nAccording to her, he contacted her first on social media and they have been communicating ever since. Over the years she has shared very personal details with him: who she is, her family situation, problems in her marriage, details about her children and grandchildren.\n\nOver time, he has also started referring to her children and grandchildren as his own family. He tells her", "url": "https://reddit.com/r/Scams/comments/1qj3f8t/my_mother_in_law_thinks_she_has_contact_with_the/" }, { "title": "[US] Christian Mingle girl wants my brothers roommate to meet her in Kenya. Red flags here?", "subreddit": "Scams", "num_comments": 120, "score": 0.856, "selftext": "My brother\u2018s roommate has been talking to a girl on Christian mingle for a couple of months. My brother claims that he\u2019s also FaceTimed with her and she seems pretty legit. She wants the roommate to go out and visit her in Kenya now. My brother wants to come along. I\u2019m really worried about this. \n\nSure it\u2019s possible for people to meet overseas on dating apps and actually have a relationship, but this also just seems like a very common scam. \n\nApparently she hasn\u2019t asked for any money, but I\u2019m af", "url": "https://reddit.com/r/Scams/comments/1qglmva/us_christian_mingle_girl_wants_my_brothers/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 12, "cross_source_count": 1, "reddit_post_count": 12, "question_signal_count": 12, "has_question_signal": true }, { "cluster_id": 44, "topics": [ { "topic_name": "30-Day Challenge #2: Check your percentages! (February, 2026)", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/personalfinance/comments/1qsxubd/30day_challenge_2_check_your_percentages_february/", "signal_type": "question" }, { "topic_name": "Daily FI discussion thread - Wednesday, February 11, 2026", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/financialindependence/comments/1r1tdn9/daily_fi_discussion_thread_wednesday_february_11/", "signal_type": "question" }, { "topic_name": "Weekday Help and Victory Thread for the week of February 09, 2026", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/personalfinance/comments/1r01acq/weekday_help_and_victory_thread_for_the_week_of/", "signal_type": "question" }, { "topic_name": "2025 Year in Review & 2026 Goal Post", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/financialindependence/comments/1pqr7f2/2025_year_in_review_2026_goal_post/", "signal_type": "question" }, { "topic_name": "Weekly Self-Promotion Thread - Wednesday, February 11, 2026", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/financialindependence/comments/1r1tw0x/weekly_selfpromotion_thread_wednesday_february_11/", "signal_type": "question" }, { "topic_name": "Daily FI discussion thread - Monday, February 09, 2026", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/financialindependence/comments/1r00aw8/daily_fi_discussion_thread_monday_february_09_2026/", "signal_type": "question" }, { "topic_name": "2025 Update (Late) Age 36 Couple + 2 Kids $1.95M Invested", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/financialindependence/comments/1qvyals/2025_update_late_age_36_couple_2_kids_195m/", "signal_type": "question" }, { "topic_name": "Daily FI discussion thread - Saturday, January 31, 2026", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/financialindependence/comments/1qrygl7/daily_fi_discussion_thread_saturday_january_31/", "signal_type": "question" }, { "topic_name": "Daily FI discussion thread - Friday, January 30, 2026", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/financialindependence/comments/1qr1e3m/daily_fi_discussion_thread_friday_january_30_2026/", "signal_type": "question" }, { "topic_name": "Daily FI discussion thread - Thursday, January 29, 2026", "source": "reddit", "region": "global", "score": 0.92, "url": "https://reddit.com/r/financialindependence/comments/1qq4knv/daily_fi_discussion_thread_thursday_january_29/", "signal_type": "question" }, { "topic_name": "Pulled the trigger! (Plus, crowdsourcing asset allocation thoughts)", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/financialindependence/comments/1qj1ctk/pulled_the_trigger_plus_crowdsourcing_asset/", "signal_type": "question" }, { "topic_name": "Update (Closing in on FIRE but want to hedge against economy suffering due to my business being luxury focused)", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/financialindependence/comments/1qicqe6/update_closing_in_on_fire_but_want_to_hedge/", "signal_type": "question" } ], "reddit_posts": [ { "title": "30-Day Challenge #2: Check your percentages! (February, 2026)", "subreddit": "personalfinance", "num_comments": 1, "score": 1.0, "selftext": "> *Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.* &#8212;[someone](https://www.snopes.com/quotes/einstein/interest.asp)\n\n# 30-day challenges\n\nWe are pleased to continue our 30-day challenge series. Past challenges can be found [here](https://www.reddit.com/r/personalfinance/wiki/30daychallenges).\n\nThis month's 30-day challenge is to **Check your percentages!** There are two different challenges this month depending on", "url": "https://reddit.com/r/personalfinance/comments/1qsxubd/30day_challenge_2_check_your_percentages_february/" }, { "title": "Daily FI discussion thread - Wednesday, February 11, 2026", "subreddit": "financialindependence", "num_comments": 235, "score": 1.0, "selftext": "Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!\n\nHave a look at the\u00a0[FAQ](https://www.reddit.com/r/financialindependence/wiki/faq)\u00a0for this subreddit before posting to see if your question is frequently asked.\n\nSince this post does tend to get busy", "url": "https://reddit.com/r/financialindependence/comments/1r1tdn9/daily_fi_discussion_thread_wednesday_february_11/" }, { "title": "Weekday Help and Victory Thread for the week of February 09, 2026", "subreddit": "personalfinance", "num_comments": 20, "score": 0.998, "selftext": "### If you need help, please check the [PF Wiki](https://www.reddit.com/r/personalfinance/wiki/index) to see if your question might be answered there.\n\nThis thread is for personal finance questions, discussions, and sharing your success stories:\n\n1. *Please make a top-level comment if you want to ask a question! Also, please don't downvote \"moronic\" questions!* If you have not received your answer within 24 hours, please feel free to [start a discussion](http://old.reddit.com/r/personalfinance/s", "url": "https://reddit.com/r/personalfinance/comments/1r01acq/weekday_help_and_victory_thread_for_the_week_of/" }, { "title": "2025 Year in Review & 2026 Goal Post", "subreddit": "financialindependence", "num_comments": 217, "score": 0.998, "selftext": "As 2025 draws to a close, many of us are doing our final checks of our spreadsheets/Monarch/Personal Capital/pivot tables/abacus calculations/I still miss Mint etc. and reflecting.\n\n\nPlease use this thread to report anything you want - whether it be a massive success, reaching a mini-milestone, actually accomplishing your goals from last year, or even just doing nothing while time does the work for you (for those of us in the 'boring middle' part). We want to hear about all that 2025 did for you", "url": "https://reddit.com/r/financialindependence/comments/1pqr7f2/2025_year_in_review_2026_goal_post/" }, { "title": "Weekly Self-Promotion Thread - Wednesday, February 11, 2026", "subreddit": "financialindependence", "num_comments": 14, "score": 0.996, "selftext": "Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in\u00a0[/r/financialindependence](https://www.reddit.com/r/financialindependence), and these posts are removed through moderation. This is a thread where those rules\u00a0*do not*\u00a0apply.\u00a0**However**, please do not post referral links in this thread.\n\nUse this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to l", "url": "https://reddit.com/r/financialindependence/comments/1r1tw0x/weekly_selfpromotion_thread_wednesday_february_11/" }, { "title": "Daily FI discussion thread - Monday, February 09, 2026", "subreddit": "financialindependence", "num_comments": 318, "score": 0.988, "selftext": "Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!\n\nHave a look at the\u00a0[FAQ](https://www.reddit.com/r/financialindependence/wiki/faq)\u00a0for this subreddit before posting to see if your question is frequently asked.\n\nSince this post does tend to get busy", "url": "https://reddit.com/r/financialindependence/comments/1r00aw8/daily_fi_discussion_thread_monday_february_09_2026/" }, { "title": "2025 Update (Late) Age 36 Couple + 2 Kids $1.95M Invested", "subreddit": "financialindependence", "num_comments": 36, "score": 0.966, "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**|**", "url": "https://reddit.com/r/financialindependence/comments/1qvyals/2025_update_late_age_36_couple_2_kids_195m/" }, { "title": "Daily FI discussion thread - Saturday, January 31, 2026", "subreddit": "financialindependence", "num_comments": 222, "score": 0.928, "selftext": "Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!\n\nHave a look at the\u00a0[FAQ](https://www.reddit.com/r/financialindependence/wiki/faq)\u00a0for this subreddit before posting to see if your question is frequently asked.\n\nSince this post does tend to get busy", "url": "https://reddit.com/r/financialindependence/comments/1qrygl7/daily_fi_discussion_thread_saturday_january_31/" }, { "title": "Daily FI discussion thread - Friday, January 30, 2026", "subreddit": "financialindependence", "num_comments": 395, "score": 0.922, "selftext": "Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!\n\nHave a look at the\u00a0[FAQ](https://www.reddit.com/r/financialindependence/wiki/faq)\u00a0for this subreddit before posting to see if your question is frequently asked.\n\nSince this post does tend to get busy", "url": "https://reddit.com/r/financialindependence/comments/1qr1e3m/daily_fi_discussion_thread_friday_january_30_2026/" }, { "title": "Daily FI discussion thread - Thursday, January 29, 2026", "subreddit": "financialindependence", "num_comments": 358, "score": 0.92, "selftext": "Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!\n\nHave a look at the\u00a0[FAQ](https://www.reddit.com/r/financialindependence/wiki/faq)\u00a0for this subreddit before posting to see if your question is frequently asked.\n\nSince this post does tend to get busy", "url": "https://reddit.com/r/financialindependence/comments/1qq4knv/daily_fi_discussion_thread_thursday_january_29/" }, { "title": "Pulled the trigger! (Plus, crowdsourcing asset allocation thoughts)", "subreddit": "financialindependence", "num_comments": 33, "score": 0.874, "selftext": "Just before our 40th birthdays, my wife and I have hit our target, and we officially gave notice to our jobs of our intent to retire at the end of May! Between this subreddit, JL Collins, and the ChooseFI podcast, a wish that seemed unlikely 12 years ago is now a reality, and 2 years sooner than our original plan we scoped out 8 years ago.\n\nWe're planning to move to France this summer, and I feel pretty confident in our annual expense budget of \\~100K (unless the USD/EUR goes to complete shit). ", "url": "https://reddit.com/r/financialindependence/comments/1qj1ctk/pulled_the_trigger_plus_crowdsourcing_asset/" }, { "title": "Update (Closing in on FIRE but want to hedge against economy suffering due to my business being luxury focused)", "subreddit": "financialindependence", "num_comments": 13, "score": 0.864, "selftext": "Hey all- Posted this about 2.5 years ago and just thought about it the other day. Figured i would provide an update and evaluate my decisions and the outcomes as my business goes through it's slow season.\n\n \nOriginal post and context here - [https://www.reddit.com/r/financialindependence/comments/165hwiw/closing\\_in\\_on\\_fire\\_but\\_want\\_to\\_hedge\\_against/](https://www.reddit.com/r/financialindependence/comments/165hwiw/closing_in_on_fire_but_want_to_hedge_against/)\n\n \nSince this post, my b", "url": "https://reddit.com/r/financialindependence/comments/1qicqe6/update_closing_in_on_fire_but_want_to_hedge/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 12, "cross_source_count": 1, "reddit_post_count": 12, "question_signal_count": 12, "has_question_signal": true }, { "cluster_id": 18, "topics": [ { "topic_name": "I cover my ex-wife's mortgage, she pays it back. Can this hurt me?", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/personalfinance/comments/1qnr9n1/i_cover_my_exwifes_mortgage_she_pays_it_back_can/", "signal_type": "question" }, { "topic_name": "I just found out we don't own the house we have lived in for 15 years. What now?", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/legaladvice/comments/1qu0vyv/i_just_found_out_we_dont_own_the_house_we_have/", "signal_type": "question" }, { "topic_name": "How to remove yourself from property you own with compensation???", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/legaladvice/comments/1r2ctlg/how_to_remove_yourself_from_property_you_own_with/", "signal_type": "question" }, { "topic_name": "Soon-to-be ex-wife won\u2019t let me keep the house, even if I buy out her equity.", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/legaladvice/comments/1qi4h02/soontobe_exwife_wont_let_me_keep_the_house_even/", "signal_type": "question" }, { "topic_name": "Will bankruptcy affect my inheritance?", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/legaladvice/comments/1r2cwcv/will_bankruptcy_affect_my_inheritance/", "signal_type": "question" }, { "topic_name": "I want to file my sister as a dependent", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/personalfinance/comments/1qptowf/i_want_to_file_my_sister_as_a_dependent/", "signal_type": "question" }, { "topic_name": "What to do with this $10K?", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/legaladvice/comments/1r2522x/what_to_do_with_this_10k/", "signal_type": "question" }, { "topic_name": "My sister is attempting to oust me out of a shared property so her boyfriend can move in. what can i do to prevent it/protect my financial interests?", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/legaladvice/comments/1qzqtcm/my_sister_is_attempting_to_oust_me_out_of_a/", "signal_type": "question" }, { "topic_name": "Inherited real estate - disclaim, mortgage underwater? (California)", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/legaladvice/comments/1r29k2x/inherited_real_estate_disclaim_mortgage/", "signal_type": "question" }, { "topic_name": "Girlfriend and I bought a house, what should I do after we break up?", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/legaladvice/comments/1qtpuzu/girlfriend_and_i_bought_a_house_what_should_i_do/", "signal_type": "question" }, { "topic_name": "Do I get my return if I\u2019m a dependent?", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/personalfinance/comments/1qnvdec/do_i_get_my_return_if_im_a_dependent/", "signal_type": "question" }, { "topic_name": "Divorced and broke. Sell my house or keep it?", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/personalfinance/comments/1qdvrqu/divorced_and_broke_sell_my_house_or_keep_it/", "signal_type": "question" } ], "reddit_posts": [ { "title": "I cover my ex-wife's mortgage, she pays it back. Can this hurt me?", "subreddit": "personalfinance", "num_comments": 333, "score": 1.0, "selftext": "My ex-wife and I had a very amicable divorce. She is a stay-at-home mom, but she does a couple different jobs. Unfortunately, none of these jobs are ones that offer direct deposit, which is a requirement for the mortgage we had on the house. The work is seasonal (substitute teaching being one of them), and she's very good about budgeting so she has enough money to cover when school is out.\n\nThis is frustrating because she's able to afford it. However, to make things easier, I continue depositing", "url": "https://reddit.com/r/personalfinance/comments/1qnr9n1/i_cover_my_exwifes_mortgage_she_pays_it_back_can/" }, { "title": "I just found out we don't own the house we have lived in for 15 years. What now?", "subreddit": "LegalAdvice", "num_comments": 83, "score": 0.996, "selftext": "Location: Ontario\n\nI live with my mom and my stepdad. They bought this house around 15 years ago and have been paying property taxes, doing renovations, paying bills, and all the things a home owner would. The property has 2 parcels of land; the back property and the front property with the house on it.\n\nRecently we were thinking about selling this and my sister's house and buying a large property where we could all live together, like a multigenerational property (my mom and stepdad, me and my ", "url": "https://reddit.com/r/legaladvice/comments/1qu0vyv/i_just_found_out_we_dont_own_the_house_we_have/" }, { "title": "How to remove yourself from property you own with compensation???", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.962, "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", "url": "https://reddit.com/r/legaladvice/comments/1r2ctlg/how_to_remove_yourself_from_property_you_own_with/" }, { "title": "Soon-to-be ex-wife won\u2019t let me keep the house, even if I buy out her equity.", "subreddit": "LegalAdvice", "num_comments": 77, "score": 0.952, "selftext": "Location: Indiana, USA\n\nMy wife (28F) and I (31M) have been married for five years. We have a two-year-old daughter together, and we purchased a house less than two years ago.\n\nAfter our daughter was born, my wife became a SAHM for a year before returning to work in July 2025. We send our daughter to daycare at my mom\u2019s house, and we pay her $1,000 a month to take care of her.\n\nMy wife hated being a SAHM mainly because we were living paycheck to paycheck on my single income. She didn\u2019t want me t", "url": "https://reddit.com/r/legaladvice/comments/1qi4h02/soontobe_exwife_wont_let_me_keep_the_house_even/" }, { "title": "Will bankruptcy affect my inheritance?", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.918, "selftext": "Location: Washington state. \n\nI've been considering filing for bankruptcy, but I have a $30,000 check coming from an inheritance. If I file for bankruptcy before or after cashing the check, would that be considered fraud? I'm unsure about the process and haven't consulted a lawyer yet.", "url": "https://reddit.com/r/legaladvice/comments/1r2cwcv/will_bankruptcy_affect_my_inheritance/" }, { "title": "I want to file my sister as a dependent", "subreddit": "personalfinance", "num_comments": 35, "score": 0.902, "selftext": "My sister has lived with me the past two years. I have paid for everything\u2026including school, lunch money, phone bill, housing, etc. I tried to sue my mother SAPCR but it was not successful since my mother is always gone and always on the move. In the end, I was informed I would have to hire a PI, which I don\u2019t have the funds for. I am 26 and have been taking care of my now 16 year old sister. \n\nI have been doing this on my own without any funds for her parents for the last 2 years. I would like ", "url": "https://reddit.com/r/personalfinance/comments/1qptowf/i_want_to_file_my_sister_as_a_dependent/" }, { "title": "What to do with this $10K?", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.884, "selftext": "Location: I live in Pennsylvania. Decedent lived in New Jersey.\n\nMy life partner (we were not married) died a decade ago. I was executor and, after three years, the estate was settled. Except for $10K that's still in the checking account I set up for the estate. It was supposed to go to a named beneficiary, but they died before the estate was settled. I tried to give it to their estate, but no one would step up to handle their estate, and they had no assets to probate, so there was no person or ", "url": "https://reddit.com/r/legaladvice/comments/1r2522x/what_to_do_with_this_10k/" }, { "title": "My sister is attempting to oust me out of a shared property so her boyfriend can move in. what can i do to prevent it/protect my financial interests?", "subreddit": "LegalAdvice", "num_comments": 11, "score": 0.878, "selftext": "location: california, usa \n\nBackground: My mother passed away in late 2021, her home was put into a trust where me (22f), my brother (26m) and my sister (32f) are the beneficiaries and our grandmother is the executor of her will. \n\nIn 2023, after the house was rented for a while my family worked with a lawyer and made a lease for my brother and sister to move in (and my nephew-sisters kid). They had a lease up until the end of 2025. Included in the lease was payments and rules that stated that n", "url": "https://reddit.com/r/legaladvice/comments/1qzqtcm/my_sister_is_attempting_to_oust_me_out_of_a/" }, { "title": "Inherited real estate - disclaim, mortgage underwater? (California)", "subreddit": "LegalAdvice", "num_comments": 2, "score": 0.864, "selftext": "My Mom passed and owns a house in very poor condition where my siblings live. I'm not sure they can afford the mortgage payments, but I'm also not sure if it's underwater. I live out of state and have been paying for now. The mortgage has been sold since she passed and any paperwork the former lender required has gone into a black hole. They haven't asked for anything else, probably since they're getting paid. \n \nDue to the lack of assets and value of the house, I hired a probate referee to p", "url": "https://reddit.com/r/legaladvice/comments/1r29k2x/inherited_real_estate_disclaim_mortgage/" }, { "title": "Girlfriend and I bought a house, what should I do after we break up?", "subreddit": "LegalAdvice", "num_comments": 45, "score": 0.86, "selftext": "Location: California \nAbout 10 years ago my girlfriend and I bought a house together. We were never married and we couldn't qualify for a traditional loan. Her parents are rich, real estate investors, so they essentially loaned us the cash for a foreclosure which we purchased from the bank with the intent on fixing it up, for about $300k. It was in very rough shape. \nBoth she and I's names are on all the legal documents and it was purchased in our name. \nHer mother set us up to pay a 20 ye", "url": "https://reddit.com/r/legaladvice/comments/1qtpuzu/girlfriend_and_i_bought_a_house_what_should_i_do/" }, { "title": "Do I get my return if I\u2019m a dependent?", "subreddit": "personalfinance", "num_comments": 115, "score": 0.8160000000000001, "selftext": "My mom put me(19) as her dependent on her taxes (she\u2019s in crippling debt and refuses to work, I on the other hand work full time) she\u2019s telling me I need to file under her or else I\u2019ll get her audited. My big concern is my refund. I had heard that if I file under her I wouldn\u2019t get my refund as it would go to whatever she owes. Am I going to get it? ", "url": "https://reddit.com/r/personalfinance/comments/1qnvdec/do_i_get_my_return_if_im_a_dependent/" }, { "title": "Divorced and broke. Sell my house or keep it?", "subreddit": "personalfinance", "num_comments": 138, "score": 0.8140000000000001, "selftext": "I have to get my ex husbands name off my mortgage or else he will take me to court for being in contempt of our divorce agreement. My parents were loaning me the money to pay off the mortgage. But we had a terrible disagreement about how my mom treated my son. Now I am preparing the house to sell it. I will not be able to buy a house in my town and rentals are hard to come by, but I need to stay here for my son\u2019s school. I also have nothing. No savings, no investments, no college money for my ki", "url": "https://reddit.com/r/personalfinance/comments/1qdvrqu/divorced_and_broke_sell_my_house_or_keep_it/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 12, "cross_source_count": 1, "reddit_post_count": 12, "question_signal_count": 12, "has_question_signal": true }, { "cluster_id": 5, "topics": [ { "topic_name": "Dark patterns in Klarna\u2019s refund experience", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/darkpatterns/comments/1qj2kmq/dark_patterns_in_klarnas_refund_experience/", "signal_type": "question" }, { "topic_name": "Evaluating dark patterns in social media (short survey)", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/darkpatterns/comments/1peefw5/evaluating_dark_patterns_in_social_media_short/", "signal_type": "question" }, { "topic_name": "Dark Patterns in Game Dev", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/darkpatterns/comments/1oagmw1/dark_patterns_in_game_dev/", "signal_type": "question" }, { "topic_name": "[Survey] Law and Ethics \u2013 Dark Patterns - A Short Survey", "source": "reddit", "region": "global", "score": 0.894, "url": "https://reddit.com/r/darkpatterns/comments/1nq6u58/survey_law_and_ethics_dark_patterns_a_short_survey/", "signal_type": "question" }, { "topic_name": "Possible new EU law on dark patterns", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/darkpatterns/comments/1m2fw8p/possible_new_eu_law_on_dark_patterns/", "signal_type": "question" }, { "topic_name": "What are some dark patterns showing up in AI/LLMs at this point?", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/darkpatterns/comments/1m1l8v2/what_are_some_dark_patterns_showing_up_in_aillms/", "signal_type": "question" }, { "topic_name": "Dark Patterns in Mobile Games", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/darkpatterns/comments/1ltecjt/dark_patterns_in_mobile_games/", "signal_type": "question" }, { "topic_name": "Not sure if incompetence or dark pattern", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/darkpatterns/comments/1qcyj4s/not_sure_if_incompetence_or_dark_pattern/", "signal_type": "question" }, { "topic_name": "Deutsche Bank Dark Pattern Like Redesign", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/darkpatterns/comments/1ne6kto/deutsche_bank_dark_pattern_like_redesign/", "signal_type": "question" }, { "topic_name": "Dark UX", "source": "reddit", "region": "global", "score": 0.866, "url": "https://reddit.com/r/darkpatterns/comments/1lsyswr/dark_ux/", "signal_type": "question" }, { "topic_name": "Uber Eats Triple Dark Pattern combo", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/darkpatterns/comments/1hyl7q3/uber_eats_triple_dark_pattern_combo/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Dark patterns in Klarna\u2019s refund experience", "subreddit": "darkpatterns", "num_comments": 1, "score": 0.952, "selftext": "I recently received a refund from Airbnb that was processed through Klarna, and the experience felt like a small masterclass in how to design it in the darkest way possible. \n\nI was presented with a \"choice\" of how the money should be returned, where the default option, and the one it was far too easy to confirm by pressing OK, was to have the amount transferred to my Klarna balance.\n\nDespite the wording being incredibly misleading, I eventually realized that I had to click the button labeled \"N", "url": "https://reddit.com/r/darkpatterns/comments/1qj2kmq/dark_patterns_in_klarnas_refund_experience/" }, { "title": "Evaluating dark patterns in social media (short survey)", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.9319999999999999, "selftext": "I\u2019m running a small research survey on dark patterns in social media apps. The goal is to collect examples and evaluations of different patterns and then turn this into a practical checklist of \u201cwhat not to do\u201d + safer alternative design ideas for designers and developers.\n\nSurvey link: [https://docs.google.com/forms/d/e/1FAIpQLSf88ez\\_JOtRYtZPCAUm2QyjhwhKc37zUDSJUkNVLlxu2vqOxQ/viewform?usp=header](https://docs.google.com/forms/d/e/1FAIpQLSf88ez_JOtRYtZPCAUm2QyjhwhKc37zUDSJUkNVLlxu2vqOxQ/viewfor", "url": "https://reddit.com/r/darkpatterns/comments/1peefw5/evaluating_dark_patterns_in_social_media_short/" }, { "title": "Dark Patterns in Game Dev", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.908, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1oagmw1/dark_patterns_in_game_dev/" }, { "title": "[Survey] Law and Ethics \u2013 Dark Patterns - A Short Survey", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.894, "selftext": "Hello there! \nI am currently conducting a survey regarding Dark Patterns for a school project. If you are willing and don't mind, please fill it out. \nIt doesn't matter where you live, since this isn't a right or wrong survey, but rather a survey to see what people think\n\n \nMany thanks!\n\n[https://docs.google.com/forms/d/e/1FAIpQLSeDXIGRXybDRwHNP7oL4jqpZqx8aJ1yHh9\\_\\_hUN8KVLZ06N3Q/viewform?usp=dialog](https://docs.google.com/forms/d/e/1FAIpQLSeDXIGRXybDRwHNP7oL4jqpZqx8aJ1yHh9__hUN8KVLZ06N3Q/vi", "url": "https://reddit.com/r/darkpatterns/comments/1nq6u58/survey_law_and_ethics_dark_patterns_a_short_survey/" }, { "title": "Possible new EU law on dark patterns", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.876, "selftext": "The European Commission just launched an open public consultation on a future law called the Digital Fairness Act (due in late 2026), which could prohibit dark patterns, addictive design, other problematic features (e.g. loot boxes in video games), introduce an easy click-to-cancel rule for ending subscriptions and a right to a human interlocutor when AI chatbots are used for customer service etc. Citizens can express their support by answering the consultation questionnaire.", "url": "https://reddit.com/r/darkpatterns/comments/1m2fw8p/possible_new_eu_law_on_dark_patterns/" }, { "title": "What are some dark patterns showing up in AI/LLMs at this point?", "subreddit": "darkpatterns", "num_comments": 10, "score": 0.874, "selftext": "I've been thinking about the [enshittification](https://thecognitivepsychologist.substack.com/p/enshittification-what-is-it-and-why-is-it-coming-for-artificial-intelligence) that's inevitably coming for AI and what it will look like. Is it going to be embedded ads? Preferential linking? Or maybe explaining a topic the way the highest-bidder source wants it explained? \n\nWill AI move to an engagement-based design like social media has? \n\nWhat dark patterns have you started noticing or been worryin", "url": "https://reddit.com/r/darkpatterns/comments/1m1l8v2/what_are_some_dark_patterns_showing_up_in_aillms/" }, { "title": "Dark Patterns in Mobile Games", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.868, "selftext": "Hello! I\u2019m currently exploring user susceptibility to dark patterns in mobile games for my master\u2019s dissertation. Before launching the main study, I\u2019m conducting a user validity phase where I\u2019d love to get feedback on my adapted version of the System Darkness Scale (SDS), originally designed for e-commerce, now expanded for mobile gaming. It\u2019s attached below as an image.\n\nI\u2019d really appreciate it if you could take a look and let me know whether the prompts are clear, unambiguous, and relatable t", "url": "https://reddit.com/r/darkpatterns/comments/1ltecjt/dark_patterns_in_mobile_games/" }, { "title": "Not sure if incompetence or dark pattern", "subreddit": "darkpatterns", "num_comments": 2, "score": 0.95, "selftext": "We want to block all traffic on our enterprise network that involves cryptocurrencies and block chain mining.\n\nOur environment uses Virtual Machines.\n\nWhy the fuck did the inventor of Bitcoin decide to run bitcoin traffic on the same port number as VMWare?", "url": "https://reddit.com/r/darkpatterns/comments/1qcyj4s/not_sure_if_incompetence_or_dark_pattern/" }, { "title": "Deutsche Bank Dark Pattern Like Redesign", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.892, "selftext": "* CSV/PDF export harder to find than before redesign\n* Must set period manually both for start/end date, when modal opens, both are empty at first (skipped showing the empty modal at 2.5)\n* No shortcut for the obvious \"give me all dates I can get from today on backwards\"\n* No shortcuts for the obvious \"all of previous year\"/\"all of the year before last\"/\"all of the current year so far\"\n* Have to set start/end date again if doing both CSV and PDF export\n* If a start/end date filter is set on the ", "url": "https://reddit.com/r/darkpatterns/comments/1ne6kto/deutsche_bank_dark_pattern_like_redesign/" }, { "title": "Dark UX", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.866, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1lsyswr/dark_ux/" }, { "title": "Uber Eats Triple Dark Pattern combo", "subreddit": "darkpatterns", "num_comments": 5, "score": 0.81, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1hyl7q3/uber_eats_triple_dark_pattern_combo/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 11, "cross_source_count": 1, "reddit_post_count": 11, "question_signal_count": 11, "has_question_signal": true }, { "cluster_id": 32, "topics": [ { "topic_name": "Hudson\u2019s Bay Point Blanket- brushing scam?", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/Scams/comments/1r0fe6u/hudsons_bay_point_blanket_brushing_scam/", "signal_type": "question" }, { "topic_name": "Need help with Ebay tracking scam", "source": "reddit", "region": "global", "score": 0.894, "url": "https://reddit.com/r/Scams/comments/1r0urqi/need_help_with_ebay_tracking_scam/", "signal_type": "question" }, { "topic_name": "Anybody know why a scammer would use my card/bestbuy account to purchase an iPad, but have it shipped to my own address?", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/Scams/comments/1qol9ye/anybody_know_why_a_scammer_would_use_my/", "signal_type": "question" }, { "topic_name": "[US] Instacart Scam? Items added to order, then removed, order not delivered", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/Scams/comments/1qkdmb3/us_instacart_scam_items_added_to_order_then/", "signal_type": "question" }, { "topic_name": "Zapto scamming with fake Rs.100 discount", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/darkpatterns/comments/1l5ifmg/zapto_scamming_with_fake_rs100_discount/", "signal_type": "question" }, { "topic_name": "I'm getting scammed with a Dji Pocket 3 on eBay", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/Scams/comments/1r0tj9u/im_getting_scammed_with_a_dji_pocket_3_on_ebay/", "signal_type": "question" }, { "topic_name": "[US] Somebody created an Ebay account with my name, address, email and listed something for sale. What's the scam?", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/Scams/comments/1qqo1g2/us_somebody_created_an_ebay_account_with_my_name/", "signal_type": "question" }, { "topic_name": "[US] Just got a random package in the mail with a single spoon.", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/Scams/comments/1r1n20b/us_just_got_a_random_package_in_the_mail_with_a/", "signal_type": "question" }, { "topic_name": "Ups fictitious packages?", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/Scams/comments/1r1d5u9/ups_fictitious_packages/", "signal_type": "question" }, { "topic_name": "Amazon is sending fake delivery notifications - this needs to stop", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/assholedesign/comments/1p6ed3p/amazon_is_sending_fake_delivery_notifications/", "signal_type": "question" }, { "topic_name": "Is this $50 64gb RAM kit a scam?? #carterpcs #tech #ram", "source": "youtube", "region": "US", "score": 0.852, "url": "https://youtube.com/watch?v=ozOnuvSYp2I", "signal_type": "video_demand" } ], "reddit_posts": [ { "title": "Hudson\u2019s Bay Point Blanket- brushing scam?", "subreddit": "Scams", "num_comments": 58, "score": 0.906, "selftext": "We received an unexpected delivery of a seemingly authentic 6-point 100% wool HBC blanket. We don\u2019t recognize the return address or sender and didn\u2019t order this. It clearly didn\u2019t come directly from HBC based on the way it was packed (in a staples brand moving box filled with Russian-language newspaper ads from London, ON). I\u2019ve attached pictures of everything. \n\nWe\u2019re wondering if this is part of a brushing scam, since these blankets go for several thousand CAD. We aren\u2019t sure the blanket is re", "url": "https://reddit.com/r/Scams/comments/1r0fe6u/hudsons_bay_point_blanket_brushing_scam/" }, { "title": "Need help with Ebay tracking scam", "subreddit": "Scams", "num_comments": 18, "score": 0.894, "selftext": "I believe I fell for the tracking scam that I\u2019ve read about online. Tracking number says it was delivered but I never received the item. I contacted the seller about it and requested a refund. I\u2019ve opened the case for INR and now the seller is constantly asking me to close the case so they could issue the refund. I know I shouldn\u2019t close the case but now seller is saying he\u2019ll wait until the case processing deadline?\n\nI\u2019m new to buying from Ebay so I\u2019m not exactly sure on how I should approach t", "url": "https://reddit.com/r/Scams/comments/1r0urqi/need_help_with_ebay_tracking_scam/" }, { "title": "Anybody know why a scammer would use my card/bestbuy account to purchase an iPad, but have it shipped to my own address?", "subreddit": "Scams", "num_comments": 34, "score": 0.88, "selftext": "I\u2019m confused and unsure what to think.\n\nThis morning I was bombarded with texts and emails with verification codes and welcome messages to services I do not use.\n\nAmong all these was a purchase confirmation from Best Buy for an iPad that was fraudulently purchased by the attacker, only they left my shipping address so they\u2019re obviously not getting the iPad.\n\nWhat\u2019s the scam here? Am I missing something or is it purely just to take my money away from me?\n\nI\u2019ll note that I haven\u2019t made anybody ang", "url": "https://reddit.com/r/Scams/comments/1qol9ye/anybody_know_why_a_scammer_would_use_my/" }, { "title": "[US] Instacart Scam? Items added to order, then removed, order not delivered", "subreddit": "Scams", "num_comments": 10, "score": 0.868, "selftext": "I had a very odd Instacart experience today that I can\u2019t quite make heads or tails of. I ordered some groceries for delivery. I took a peek when the app said the shopper had started and immediately noticed that my tub of cream cheese had been increased from 1 to 5 and I immediately messaged her (first screenshot). She said it was a glitch and would show normally soon. After her response I noticed that several other items had their quantities increased by 3-5. \n\nThen I noticed that a $50 thing of", "url": "https://reddit.com/r/Scams/comments/1qkdmb3/us_instacart_scam_items_added_to_order_then/" }, { "title": "Zapto scamming with fake Rs.100 discount", "subreddit": "darkpatterns", "num_comments": 1, "score": 0.86, "selftext": "Ordered a weight lifting belt from Zepto.\nIt gave me an option to apply Rs.100 discount on the purchase. \nInitially Rs.20 was added for delivery.Once I applied the 100 Rs discount it rolled back to the initial amount instead of 100 Rs less.\n\n", "url": "https://reddit.com/r/darkpatterns/comments/1l5ifmg/zapto_scamming_with_fake_rs100_discount/" }, { "title": "I'm getting scammed with a Dji Pocket 3 on eBay", "subreddit": "Scams", "num_comments": 15, "score": 0.834, "selftext": "I saw a DJI Pocket 3 being sold for $235 on eBay which is an amazing price. I saw that the seller is brand new, but I thought eBay has a good money-back guarantee, so I bought it. Shortly after, the eBay account is deleted. So I know it was a scam, but I thought I would wait till it was supposed to arrive to file a complaint. Multiple days after the expected delivery, I reported the item as never arriving to eBay. A couple of days later, all of a sudden the tracking is updated which shows it del", "url": "https://reddit.com/r/Scams/comments/1r0tj9u/im_getting_scammed_with_a_dji_pocket_3_on_ebay/" }, { "title": "[US] Somebody created an Ebay account with my name, address, email and listed something for sale. What's the scam?", "subreddit": "Scams", "num_comments": 14, "score": 0.8220000000000001, "selftext": "Tdlr; Somebody created an Ebay account today that had my name, address, and email on it. They listed a ring for sale. What's the scam?\n\nMore information:\n\nI don't have an ebay account, but received an email about \"my\" account this morning. I got a few emails in a 10 minute period welcoming me to my ebay account, how to get started selling, activating a 2-step verification, and my new listing was up (a stock photo ring).\n\nI didn't click on the email. Instead, I went to the ebay website myself and", "url": "https://reddit.com/r/Scams/comments/1qqo1g2/us_somebody_created_an_ebay_account_with_my_name/" }, { "title": "[US] Just got a random package in the mail with a single spoon.", "subreddit": "Scams", "num_comments": 5, "score": 0.918, "selftext": "Haven't opened it yet and I plan on bringing it to the post office tomorrow. Anybody know what kind of scam this is? I haven't ordered anything expensive to my house, nor have I gotten any messages about a package arriving.", "url": "https://reddit.com/r/Scams/comments/1r1n20b/us_just_got_a_random_package_in_the_mail_with_a/" }, { "title": "Ups fictitious packages?", "subreddit": "Scams", "num_comments": 5, "score": 0.884, "selftext": "Late Sunday night I bought a 3d printer of ebay (2k).\n\nThe seller has no reviews. \n\n10 minutes after payment a label was created. around 9pm PST\n\nYesterday I get 2 emails from ebay - item has shipped and your item has been refunded. \n\nToday I get an email from ebay - out for delivery\n\nI checked the UPS tracking and it says delivered. UPS never came (I have cameras)\n\nwhat the heck is going on? Can someone fake a UPS shipment?\n\nI got my refund -$100 (bought allstate protection plan) \n\nHas this ev", "url": "https://reddit.com/r/Scams/comments/1r1d5u9/ups_fictitious_packages/" }, { "title": "Amazon is sending fake delivery notifications - this needs to stop", "subreddit": "assholedesign", "num_comments": 162, "score": 0.878, "selftext": "just received a notification from Amazon claiming \"Your package is currently being delivered \ud83d\udce6\" when I haven't ordered anything in weeks. When I clicked on it, it just opened the Amazon home screen with no order information whatsoever.\n\nThis is either a serious bug in their system or a manipulative dark pattern to get people to open the app. Either way, it's completely unacceptable. These notifications are supposed to be for actual deliveries, not whatever this is.\n\nHas anyone else been getting ", "url": "https://reddit.com/r/assholedesign/comments/1p6ed3p/amazon_is_sending_fake_delivery_notifications/" } ], "sources": [ "reddit", "youtube" ], "regions": [ "global", "US" ], "signal_types": [ "question", "video_demand" ], "topic_count": 11, "cross_source_count": 2, "reddit_post_count": 10, "question_signal_count": 10, "has_question_signal": true }, { "cluster_id": 19, "topics": [ { "topic_name": "How do I have my father placed in a nursing home when doctors refuse to sign off on it?", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/legaladvice/comments/1r1zlwa/how_do_i_have_my_father_placed_in_a_nursing_home/", "signal_type": "question" }, { "topic_name": "50 Starting over Retirement Help", "source": "reddit", "region": "global", "score": 0.992, "url": "https://reddit.com/r/personalfinance/comments/1r2c5jj/50_starting_over_retirement_help/", "signal_type": "question" }, { "topic_name": "My brother passed away, but my mom co-signed for a vehicle", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/personalfinance/comments/1r2935f/my_brother_passed_away_but_my_mom_cosigned_for_a/", "signal_type": "question" }, { "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", "score": 0.972, "url": "https://reddit.com/r/personalfinance/comments/1qt826g/my_dad_passed_away_in_july_of_2025_and_i_kept/", "signal_type": "question" }, { "topic_name": "Mom with dementia, on hospice; needs assisted living; how to pay for it", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/personalfinance/comments/1ql34c8/mom_with_dementia_on_hospice_needs_assisted/", "signal_type": "question" }, { "topic_name": "Transfer on Death Deed not filed before death", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/legaladvice/comments/1r2dpxj/transfer_on_death_deed_not_filed_before_death/", "signal_type": "question" }, { "topic_name": "Dad newly disabled and will begin receiving SSI. How can I help manage his finances?", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/personalfinance/comments/1r2968b/dad_newly_disabled_and_will_begin_receiving_ssi/", "signal_type": "question" }, { "topic_name": "Dad, Private Broker, Passed Away. How to Handle His Book of Business", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/legaladvice/comments/1r2b6oy/dad_private_broker_passed_away_how_to_handle_his/", "signal_type": "question" }, { "topic_name": "Death of estranged parent-help me please", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/personalfinance/comments/1r0mcv7/death_of_estranged_parenthelp_me_please/", "signal_type": "question" }, { "topic_name": "Gentle reminder that telling someone \"apply for disability\" when they are facing immediate financial crisis is not helpful on its own.", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/povertyfinance/comments/1qjvg5r/gentle_reminder_that_telling_someone_apply_for/", "signal_type": "question" }, { "topic_name": "My mother is receiving a less then expected settlement and I would like to help her manage it smartly as she is historically bad with money.", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/personalfinance/comments/1r1gk07/my_mother_is_receiving_a_less_then_expected/", "signal_type": "question" } ], "reddit_posts": [ { "title": "How do I have my father placed in a nursing home when doctors refuse to sign off on it?", "subreddit": "LegalAdvice", "num_comments": 103, "score": 0.994, "selftext": "My elderly father is living in my home and expecting me to care for him. He cannot do anything for himself as he has spent most of his life with women who do everything for him. He needs someone to get him out of bed, move him from room to room, clean him up after he uses the bathroom/catheter insertion, etc.. \n\nHe\u2019s incapable of caring for himself but tells his doctors there is someone to care for him and I refuse to be it as I\u2019m not qualified or should have to. Note he did less than bare minim", "url": "https://reddit.com/r/legaladvice/comments/1r1zlwa/how_do_i_have_my_father_placed_in_a_nursing_home/" }, { "title": "50 Starting over Retirement Help", "subreddit": "personalfinance", "num_comments": 7, "score": 0.992, "selftext": "I was a single mom with a child who had special needs. I was not able to work for 18 years as a result of him needing constant care. He is now in a facility. His father left when he was 1 and we divorced. So there will be no ssa benefits from his earnings for me to tap into. \n\nI started working and have about 5 years of employment. When I look at my ssa statement for retirement it shows $1000 when I retire. I have been able to save 55k in my retirement accounts 401k/Roth and am set with a", "url": "https://reddit.com/r/personalfinance/comments/1r2c5jj/50_starting_over_retirement_help/" }, { "title": "My brother passed away, but my mom co-signed for a vehicle", "subreddit": "personalfinance", "num_comments": 9, "score": 0.982, "selftext": "I'm looking for advice for my mother, who co-signed for a vehicle for my brother. I knew this was going to end badly and told my mother not to co-sign for him, but she insisted to do it. He was a recovering drug addict and ended up relapsing and passed away. He didn't make any payments and wrecked it a couple of weeks into having the vehicle. My parents ended up surrendering the vehicle to the lender. The lender put it up for auction, and now my mother has to repay the auto loan, minus the amoun", "url": "https://reddit.com/r/personalfinance/comments/1r2935f/my_brother_passed_away_but_my_mom_cosigned_for_a/" }, { "title": "My dad passed away in July of 2025 and I kept getting his medical bills. What do I do?", "subreddit": "personalfinance", "num_comments": 286, "score": 0.972, "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 ", "url": "https://reddit.com/r/personalfinance/comments/1qt826g/my_dad_passed_away_in_july_of_2025_and_i_kept/" }, { "title": "Mom with dementia, on hospice; needs assisted living; how to pay for it", "subreddit": "personalfinance", "num_comments": 311, "score": 0.944, "selftext": "Situation: My mother is currently on palliative care in an area hospital for kidney failure and metastatic cancer, and also has dementia. We need to move her into hospice and into a memory care facility **immediately**.\n\nHer assets:\n\n* $20k in liquid savings\n* $11k in IRA\n* $2591/mo in Social Security income\n* Four life insurance policies with cash values of $18.3k, $3942, and two more small policies with unknown values\n* A home (paid off) with a Zillow estimate of $339k\n* A car with an approx. ", "url": "https://reddit.com/r/personalfinance/comments/1ql34c8/mom_with_dementia_on_hospice_needs_assisted/" }, { "title": "Transfer on Death Deed not filed before death", "subreddit": "LegalAdvice", "num_comments": 1, "score": 0.938, "selftext": "Location: Oklahoma\n\nMy mom passed last week and has a will. I am her only heir. She has a signed a notarized Transfer on Death Deed for the house but she never filed it with the county. Is this now void? Will I need to probate her will?\n\nAlso, I want to keep the house. I currently live in it and there is a lien on the house that I am consigned to, but she is the sole person on the deed. The only other asset she has is a car. If I want to keep the house, how do I pay for the probate? Should I tak", "url": "https://reddit.com/r/legaladvice/comments/1r2dpxj/transfer_on_death_deed_not_filed_before_death/" }, { "title": "Dad newly disabled and will begin receiving SSI. How can I help manage his finances?", "subreddit": "personalfinance", "num_comments": 4, "score": 0.91, "selftext": "My dad had an accident a few months ago and is subsequently disabled. He's of reasonably sound mind and still independent with most things, so I'd like for him to have agency over his finances, just with a bit of help from me.\n\nI made a joint account with my bank (cap1) for his employment income, but it's looking like SSI may complicate things a bit. I'd like to keep an account for him with my bank so it's easy for me to check up on it when needed without intermingling our finances too much.\n\nAn", "url": "https://reddit.com/r/personalfinance/comments/1r2968b/dad_newly_disabled_and_will_begin_receiving_ssi/" }, { "title": "Dad, Private Broker, Passed Away. How to Handle His Book of Business", "subreddit": "LegalAdvice", "num_comments": 2, "score": 0.886, "selftext": "1. Do I need a lawyer?\n\n2. What kind of lawyer do I need?\n\n\n\nContext:\n\nDad was a private broker who just abruptly passed away. A man he split some business with in the last few years has started trying to collect dad\u2019s book of business and the potential clients he was working before passing. The man and mom have stated dad would let him have his business if anything happened to dad but nothing is in writing (no will). Am I wrong to think the man should at least pay for the book of business? Are ", "url": "https://reddit.com/r/legaladvice/comments/1r2b6oy/dad_private_broker_passed_away_how_to_handle_his/" }, { "title": "Death of estranged parent-help me please", "subreddit": "personalfinance", "num_comments": 61, "score": 0.88, "selftext": "My mother recently passed and had no end of life plans set in place. Unfortunately, she was estranged from everyone in the family besides the random check in once a year with my brother. He is on the spectrum and not able to handle the administrative side of her death. That being said, I have taken care of everything since she died. My brother and I had her cremated and interred above my father\u2019s grave. I was able to locate where she lived to have her few possessions sent to me. Somehow there wa", "url": "https://reddit.com/r/personalfinance/comments/1r0mcv7/death_of_estranged_parenthelp_me_please/" }, { "title": "Gentle reminder that telling someone \"apply for disability\" when they are facing immediate financial crisis is not helpful on its own.", "subreddit": "povertyfinance", "num_comments": 78, "score": 0.876, "selftext": "Outside of work-provided disability insurance, disability (SSI/SSDI) is not something you just apply for and get in a week or a month. Most people who apply are denied the first go around, and that denial can take over a year to even process. With the SSA being gutted, it takes even longer than it used to--I'm only on step 2, and it has been 2 years since I applied. I had short term disability and it has long since run out. \n\nIt's fine to recommend applying for disability to someone. A lot of th", "url": "https://reddit.com/r/povertyfinance/comments/1qjvg5r/gentle_reminder_that_telling_someone_apply_for/" }, { "title": "My mother is receiving a less then expected settlement and I would like to help her manage it smartly as she is historically bad with money.", "subreddit": "personalfinance", "num_comments": 12, "score": 0.806, "selftext": "My family lives in Florida and I live in N.C.\n\nBack in 2020 my dad was in a motorcycle accident with a state owned construction vehicle. My sister was severely injured and he was in a coma and lost his leg.\n\nWhen he sued the state the courts sided with him for around 3m in damages. But apparently there is some law in Florida that if the state owes you a certain amount of money it actually becomes a bill you have to lobby for to be passed by the state congress.\n\nUnfortunately while we had a lobby", "url": "https://reddit.com/r/personalfinance/comments/1r1gk07/my_mother_is_receiving_a_less_then_expected/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 11, "cross_source_count": 1, "reddit_post_count": 11, "question_signal_count": 11, "has_question_signal": true }, { "cluster_id": 43, "topics": [ { "topic_name": "Found a 1960s Osterizer blender and it destroys my ninja", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/BuyItForLife/comments/1qdnes8/found_a_1960s_osterizer_blender_and_it_destroys/", "signal_type": "question" }, { "topic_name": "Which dehumidifier to get for a Physiotherapy Room?", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/BuyItForLife/comments/1r0xb81/which_dehumidifier_to_get_for_a_physiotherapy_room/", "signal_type": "question" }, { "topic_name": "Best Smart Ceiling Fan? Looking for Recommendations", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/BuyItForLife/comments/1r18w0q/best_smart_ceiling_fan_looking_for_recommendations/", "signal_type": "question" }, { "topic_name": "Whats your personal BIFL Espresso Machine?", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/BuyItForLife/comments/1r06dt2/whats_your_personal_bifl_espresso_machine/", "signal_type": "question" }, { "topic_name": "Whats your BIFL Blender vintage or modern?", "source": "reddit", "region": "global", "score": 0.866, "url": "https://reddit.com/r/BuyItForLife/comments/1r07pto/whats_your_bifl_blender_vintage_or_modern/", "signal_type": "question" }, { "topic_name": "[Request] Immersion blender with attachments? Food processor", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/BuyItForLife/comments/1r0bdis/request_immersion_blender_with_attachments_food/", "signal_type": "question" }, { "topic_name": "Opinions about the Ninja Sizzle Pro", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/BuyItForLife/comments/1r01ton/opinions_about_the_ninja_sizzle_pro/", "signal_type": "question" }, { "topic_name": "Air Purifiers are a rabbit hole", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1qz0isu/air_purifiers_are_a_rabbit_hole/", "signal_type": "question" }, { "topic_name": "BIFl: Datavac Air Duster", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/BuyItForLife/comments/1qeiv05/bifl_datavac_air_duster/", "signal_type": "question" }, { "topic_name": "Elica Leone vs Victory Range Hoods. My 2-Kitchen Renovation Take (Noise, Power, Value)", "source": "reddit", "region": "global", "score": 0.808, "url": "https://reddit.com/r/BuyItForLife/comments/1qyx20n/elica_leone_vs_victory_range_hoods_my_2kitchen/", "signal_type": "question" }, { "topic_name": "Over the range microwave", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/BuyItForLife/comments/1qzi3yf/over_the_range_microwave/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Found a 1960s Osterizer blender and it destroys my ninja", "subreddit": "BuyItForLife", "num_comments": 156, "score": 0.9339999999999999, "selftext": "I paid $8 for this thing and it blends better than my $150 ninja that died after 2 years. all metal gears, glass jar, simple design with like 3 buttons the motor sounds like a jet engine but it pulverizes everything. Ice, frozen fruit, whatever. Meanwhile my ninja would overheat and shut off if I made more than one smoothie. I looked into buying another vintage one as a backup but couldnt view all the pictures properly so its hard to judge condition. I ended up just taking care of the one I have", "url": "https://reddit.com/r/BuyItForLife/comments/1qdnes8/found_a_1960s_osterizer_blender_and_it_destroys/" }, { "title": "Which dehumidifier to get for a Physiotherapy Room?", "subreddit": "BuyItForLife", "num_comments": 1, "score": 0.89, "selftext": "Hi all, \n\nI'd like some suggestions for a new dehumidifier in the European market for a Physiotherapy room. \n\nI'm eyeing the Wood's AD20 (which is made in Sweden) and it also has an Active ION HEPA filter for air purifying. (https://woods.se/en/products/dehumidifiers/ad20/)\n\nOr maybe the cheaper Juro Pro dehumidifier (https://www.juropro.gr/products/afygrantires/eco-ii-23l-rc) which also has an ionizer. I don't know if this Juro Pro model is to be trusted, especially for it's HEPA filter. Could ", "url": "https://reddit.com/r/BuyItForLife/comments/1r0xb81/which_dehumidifier_to_get_for_a_physiotherapy_room/" }, { "title": "Best Smart Ceiling Fan? Looking for Recommendations", "subreddit": "BuyItForLife", "num_comments": 10, "score": 0.884, "selftext": "Looking to buy a smart ceiling fan and yeah\u2026 the choices are crazy. Every brand says they\u2019re the best, so I trust Reddit more than ads.\n\nWhat are you guys using? \nNeed something quiet, strong airflow, easy app/Alexa control, and reliable.\n\nIf you\u2019ve got one, drop the model, pros, cons, anything. Real talk only. Appreciate it!! ", "url": "https://reddit.com/r/BuyItForLife/comments/1r18w0q/best_smart_ceiling_fan_looking_for_recommendations/" }, { "title": "Whats your personal BIFL Espresso Machine?", "subreddit": "BuyItForLife", "num_comments": 61, "score": 0.872, "selftext": "I myself have been going between a mix of analog and digital stuff, and with espresso machines the only thing I can think of thats BIFL is the Flair. What are your personal BIFL espresso machines whether its analog or digital!", "url": "https://reddit.com/r/BuyItForLife/comments/1r06dt2/whats_your_personal_bifl_espresso_machine/" }, { "title": "Whats your BIFL Blender vintage or modern?", "subreddit": "BuyItForLife", "num_comments": 8, "score": 0.866, "selftext": "Ive been using Ninja products for a while and I know my grandparents have been using a Vitamix. I hear that Vitamix has been a go to for most. Ninja hasnt been bad for me either but I will say one thing I cant stand is the plastic pitcher. What are yalls BIFL and do you have a glass pitcher?", "url": "https://reddit.com/r/BuyItForLife/comments/1r07pto/whats_your_bifl_blender_vintage_or_modern/" }, { "title": "[Request] Immersion blender with attachments? Food processor", "subreddit": "BuyItForLife", "num_comments": 2, "score": 0.848, "selftext": "Quick search and it seems ATK and some users don't recommend immersion blenders that come with attachments. I'm not sure if this is because most people have e.g. food processors, whisks, etc. that these attachments are redundant or if the attachments don't do as good of a job in general. If they work well, I might not consider getting these tools they are replacing for my new home.\n\nIf not, then I would just be better off getting the immersion blender standalone (perhaps more options are availab", "url": "https://reddit.com/r/BuyItForLife/comments/1r0bdis/request_immersion_blender_with_attachments_food/" }, { "title": "Opinions about the Ninja Sizzle Pro", "subreddit": "BuyItForLife", "num_comments": 2, "score": 0.836, "selftext": "I am looking for an electrical indoor grill and hear a lot about the Ninja Sizzle Pro (xl). Because of a Ninja vs Vitamix trauma caused by this sub, I am sceptical though and wanted to know whether there are again better alternatives or if this thing is reliable enough. ", "url": "https://reddit.com/r/BuyItForLife/comments/1r01ton/opinions_about_the_ninja_sizzle_pro/" }, { "title": "Air Purifiers are a rabbit hole", "subreddit": "BuyItForLife", "num_comments": 72, "score": 0.8180000000000001, "selftext": "Hi I\u2019m looking for a good air purifier, I don\u2019t know very much but I like to do my research and find what\u2019s good for my money. Im not even entirely sure what I\u2019m looking for. So far I\u2019ve looked at\n\n\\- WINIX 5520\n\n\\- Levoit Vital 200S\n\n\\- Xiaomi 4 Compact\n\n\\- Kenmore PM1005\n\nShould I look for something else? I know air purifiers seem fairy simple, but this rabbit hole keeps getting deeper. I have a small bedroom and kitchen it\u2019s not that big, but I plan on moving into a house this year\n\nLol so if", "url": "https://reddit.com/r/BuyItForLife/comments/1qz0isu/air_purifiers_are_a_rabbit_hole/" }, { "title": "BIFl: Datavac Air Duster", "subreddit": "BuyItForLife", "num_comments": 73, "score": 0.812, "selftext": "Metrovac is the company - Datavac is their IT/Computer department. They also have other heavy duty ones.\n\nHad this since 2012 and has easily saved me thousands of dollars instead of buying canned air.\n\nCorrection Edit: You can easily pinch the foam filter on the bottom and run it under to sink to clean and air dry before installation (MetroVac Customer Service) ", "url": "https://reddit.com/r/BuyItForLife/comments/1qeiv05/bifl_datavac_air_duster/" }, { "title": "Elica Leone vs Victory Range Hoods. My 2-Kitchen Renovation Take (Noise, Power, Value)", "subreddit": "BuyItForLife", "num_comments": 7, "score": 0.808, "selftext": "I\u2019ve gone through two kitchen renovations, and for me the range hood is one of the most important components. I cook a lot of high smoke food steaks and Asian stir fry and I can\u2019t stand lingering food smells in the house, so strong ventilation was a must.\n\nFor both kitchens, I prioritized a 6-inch (with optional 8-inch) vent diameter to allow for maximum airflow, along with 600+ CFM and baffle-style filters, all while staying under a $1.5k budget.\n\nDuring my first renovation, after a lot of rese", "url": "https://reddit.com/r/BuyItForLife/comments/1qyx20n/elica_leone_vs_victory_range_hoods_my_2kitchen/" }, { "title": "Over the range microwave", "subreddit": "BuyItForLife", "num_comments": 5, "score": 0.804, "selftext": "Any recommendations on an over the range microwave that is BIFL (or close to) that is quiet? ", "url": "https://reddit.com/r/BuyItForLife/comments/1qzi3yf/over_the_range_microwave/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 11, "cross_source_count": 1, "reddit_post_count": 11, "question_signal_count": 11, "has_question_signal": true }, { "cluster_id": 16, "topics": [ { "topic_name": "Can I fund a new 529 and immediately use it to pay student loans?", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/personalfinance/comments/1r2an81/can_i_fund_a_new_529_and_immediately_use_it_to/", "signal_type": "question" }, { "topic_name": "Student loan fraud", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/legaladvice/comments/1r1yiif/student_loan_fraud/", "signal_type": "question" }, { "topic_name": "Parent with no retirement savings at 58 years old", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/personalfinance/comments/1qbuzzy/parent_with_no_retirement_savings_at_58_years_old/", "signal_type": "question" }, { "topic_name": "School in DC hiding behind foreign partner to deny degree despite medical crisis. Need negotiation advice", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/legaladvice/comments/1r2duu5/school_in_dc_hiding_behind_foreign_partner_to/", "signal_type": "question" }, { "topic_name": "Surprise NY 529 plan but I\u2019m done with school - what to do with it?", "source": "reddit", "region": "global", "score": 0.906, "url": "https://reddit.com/r/personalfinance/comments/1qkarly/surprise_ny_529_plan_but_im_done_with_school_what/", "signal_type": "question" }, { "topic_name": "Daughter is going to be kicked out of SUNY Albany if I don\u2019t come up with $7500 in a week. I feel like a fuckin failure!", "source": "reddit", "region": "global", "score": 0.898, "url": "https://reddit.com/r/povertyfinance/comments/1ql31rc/daughter_is_going_to_be_kicked_out_of_suny_albany/", "signal_type": "question" }, { "topic_name": "My college is paid for. What do I do with my 529 plan?", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/personalfinance/comments/1qtrl0k/my_college_is_paid_for_what_do_i_do_with_my_529/", "signal_type": "question" }, { "topic_name": "Sanity Check: College Kid and Credit Cards", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/personalfinance/comments/1qg96i5/sanity_check_college_kid_and_credit_cards/", "signal_type": "question" }, { "topic_name": "Need help creating plan for best friend (single mom of 5 kids)", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/povertyfinance/comments/1r16xuv/need_help_creating_plan_for_best_friend_single/", "signal_type": "question" }, { "topic_name": "Mom took out student loans in my name. What Actions to take?", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/legaladvice/comments/1r0gtxk/mom_took_out_student_loans_in_my_name_what/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Can I fund a new 529 and immediately use it to pay student loans?", "subreddit": "personalfinance", "num_comments": 38, "score": 0.996, "selftext": "Turns out grandparents had funded a 529 for my older child which we never used. That child will not be going to grad school and is done with college. Younger child is also done with college but has about $5K in student loans. I would like to use the money to pay off the loans. Older child is fine with that and does not care.\n\nGrandparents, are fine with it too although they never set up a 529 for younger child (they stopped contributing to 529s many years ago before this child was even born). Th", "url": "https://reddit.com/r/personalfinance/comments/1r2an81/can_i_fund_a_new_529_and_immediately_use_it_to/" }, { "title": "Student loan fraud", "subreddit": "LegalAdvice", "num_comments": 7, "score": 0.982, "selftext": "Location: Ohio \n\nMy sister had a 7k student loan taken out in her name. She already has her degree and has no intention of going back to school, this was clearly fraudulent. The federal loan was through Aidvantage for St Thomas University for an online MBA program. She filed a police report, Froze her credit, and filled out the fraud paperwork for the loan company. The company \u201cinvestigated\u201d it and says it\u2019s not fraudulent and wont give her any more information. She asked how the loan was taken ", "url": "https://reddit.com/r/legaladvice/comments/1r1yiif/student_loan_fraud/" }, { "title": "Parent with no retirement savings at 58 years old", "subreddit": "personalfinance", "num_comments": 314, "score": 0.98, "selftext": "My mom does not have any retirement savings at 58 years old. She has a physically demanding job as a special education assistant at an elementary school, and several health problems that make the job very difficult for her. I don't believe she will be able to work much longer. Here are our financial snapshots:\n\nI (23F) am making $94k/yr as a software engineer. I am maxing out my HSA, Roth IRA, and putting 10% into a 401k (including employer match). I am an only child.\n\nMy mom makes around $28k/y", "url": "https://reddit.com/r/personalfinance/comments/1qbuzzy/parent_with_no_retirement_savings_at_58_years_old/" }, { "title": "School in DC hiding behind foreign partner to deny degree despite medical crisis. Need negotiation advice", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.94, "selftext": "I was enrolled in a dual J.D. program (D.C. school / Australia). I have finished all U.S. credit requirements. Because of a severe medical crisis and documented administrative negligence by my D.C. school, I missed my very last exams abroad.\n\nNow, the D.C. school is hiding behind the foreign school's refusal to allow me to sit for those final exams. They claim they cannot confer my degree because the two degrees are linked but they are also refusing to let me re-enroll in D.C. as a standard J.D.", "url": "https://reddit.com/r/legaladvice/comments/1r2duu5/school_in_dc_hiding_behind_foreign_partner_to/" }, { "title": "Surprise NY 529 plan but I\u2019m done with school - what to do with it?", "subreddit": "personalfinance", "num_comments": 122, "score": 0.906, "selftext": "My mother passed away 14 years ago when I was only 1 semester from being done with college. I learned this week that she apparently owned a New York 529 plan with me as its beneficiary. (In case you\u2019re from Wyoming, a 529 plan is a tax-advantaged savings plan specifically for educational expenses.) For some reason that boggles the mind, the ownership of the 529 account was transferred to her executor. The executor promptly forgot all about it for 14 years until recently. In the meanwhile the bal", "url": "https://reddit.com/r/personalfinance/comments/1qkarly/surprise_ny_529_plan_but_im_done_with_school_what/" }, { "title": "Daughter is going to be kicked out of SUNY Albany if I don\u2019t come up with $7500 in a week. I feel like a fuckin failure!", "subreddit": "povertyfinance", "num_comments": 259, "score": 0.898, "selftext": "She\u2019s a freshman there and we are ny residents. Grades weren\u2019t great so she didn\u2019t get much in terms of scholarships. Got accepted for the excelsior scholarship but that only paid \\~$2000. Classes already started and she\u2019s so let down. Any help on what I can do???", "url": "https://reddit.com/r/povertyfinance/comments/1ql31rc/daughter_is_going_to_be_kicked_out_of_suny_albany/" }, { "title": "My college is paid for. What do I do with my 529 plan?", "subreddit": "personalfinance", "num_comments": 135, "score": 0.868, "selftext": "My 529 plan has around 11.5k in it. My college is paid for (not REALLY a scholarship\u2026 technically a trade school, but the state paid for it completely, books and all, and i had no use for my 529.) I\u2019m an LPN for reference and my college (BSN) will be paid for entirely books included by the hospital i work for (signed a contract with them and I do enjoy working there so no worries that I will leave.) \n\nHere\u2019s the issue: I really need a new vehicle. My car is 11 years old, low mileage but having ", "url": "https://reddit.com/r/personalfinance/comments/1qtrl0k/my_college_is_paid_for_what_do_i_do_with_my_529/" }, { "title": "Sanity Check: College Kid and Credit Cards", "subreddit": "personalfinance", "num_comments": 127, "score": 0.858, "selftext": "I wanted to run this situation by you, the professionals.\n\nMy daughter is prelaw and is going into her senior year of college. She does not work, she is focused on her GPA and LSAT scores. Because she has no income I have deflected the credit cards attempts to sign her up. She\u2019s aware of this and is onboard. Am I taking the right approach in this? The only reason I have not talked with her about opening credit cards is because she has no real income. We have covered most other areas of personal ", "url": "https://reddit.com/r/personalfinance/comments/1qg96i5/sanity_check_college_kid_and_credit_cards/" }, { "title": "Need help creating plan for best friend (single mom of 5 kids)", "subreddit": "povertyfinance", "num_comments": 9, "score": 0.84, "selftext": "My best friend is in dire straits and I have no idea how to help her get on track. She is a single mom to 5 kids (9, 8, 6, 4 and 3) who got out of a DV relationship two years ago. She does not receive child support from the father, he is currently upwards of $50k in arrears. All the kids except the youngest are in school or headstart and get out at 2 which makes it hard for her to find a job. The older kids can go to the boys and girls club but that still leaves the 4 and 3 year old without care", "url": "https://reddit.com/r/povertyfinance/comments/1r16xuv/need_help_creating_plan_for_best_friend_single/" }, { "title": "Mom took out student loans in my name. What Actions to take?", "subreddit": "LegalAdvice", "num_comments": 61, "score": 0.836, "selftext": "I went to university really young, at age 15. I was on scholarship and my state (Louisiana) had a program called TOPS that paid 100% of tuition. So I had no need for student loans at all.\n\nI remember her talking to me about them, saying she'd pay them I think (at one point). But I didn't really even understand what a student loan was, so I just said okay.\n\nI'm 28 years old now, and I had some life difficulties. I had to get back into school two years ago to finish. Found out about the student lo", "url": "https://reddit.com/r/legaladvice/comments/1r0gtxk/mom_took_out_student_loans_in_my_name_what/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 10, "cross_source_count": 1, "reddit_post_count": 10, "question_signal_count": 10, "has_question_signal": true }, { "cluster_id": 13, "topics": [ { "topic_name": "Breaking through the shame of selling shampoo to your mom.", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/antiMLM/comments/1r1nbty/breaking_through_the_shame_of_selling_shampoo_to/", "signal_type": "question" }, { "topic_name": "17 months later", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/antiMLM/comments/1qhtnyn/17_months_later/", "signal_type": "question" }, { "topic_name": "A Melaleuca Hun proudly showing off her SEVERELY healthy hair using only Melaleuca products.", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/antiMLM/comments/1qxbbf1/a_melaleuca_hun_proudly_showing_off_her_severely/", "signal_type": "question" }, { "topic_name": "Sign me up babe", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/antiMLM/comments/1qgrz2x/sign_me_up_babe/", "signal_type": "question" }, { "topic_name": "I, too, haven\u2019t cut my hair since the last time", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/antiMLM/comments/1qx6sag/i_too_havent_cut_my_hair_since_the_last_time/", "signal_type": "question" }, { "topic_name": "Ok hun", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/antiMLM/comments/1qw5lbl/ok_hun/", "signal_type": "question" }, { "topic_name": "Immediate reduction in hair breakage?", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/antiMLM/comments/1qwg2sv/immediate_reduction_in_hair_breakage/", "signal_type": "question" }, { "topic_name": "Magic collagen", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/antiMLM/comments/1qu78e1/magic_collagen/", "signal_type": "question" }, { "topic_name": "Was told by my barber that we should ideally cut our hair (men) around every two weeks. Was he trying to oversell - if so, how often is \u2018ideal\u2019, how often do you go?", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/Frugal/comments/1qg65m7/was_told_by_my_barber_that_we_should_ideally_cut/", "signal_type": "question" }, { "topic_name": "Frugal hair care tip: use your regular conditioner as a leave-in.", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/Frugal/comments/1qtanpa/frugal_hair_care_tip_use_your_regular_conditioner/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Breaking through the shame of selling shampoo to your mom.", "subreddit": "antiMLM", "num_comments": 7, "score": 0.99, "selftext": "Not sure how you 'go first' by joining this grifter's downline. But I guess we are not educated to ask questions. ", "url": "https://reddit.com/r/antiMLM/comments/1r1nbty/breaking_through_the_shame_of_selling_shampoo_to/" }, { "title": "17 months later", "subreddit": "antiMLM", "num_comments": 41, "score": 0.9299999999999999, "selftext": "After 17 long months this huns hair has not only not gotten any longer, it\u2019s also not gotten any thicker or healthier. Heck I\u2019m going to go out on a limb here & go as far as to say it\u2019s actually looking worse. Poor hun. Time to stop sipping the Monat cool aid.", "url": "https://reddit.com/r/antiMLM/comments/1qhtnyn/17_months_later/" }, { "title": "A Melaleuca Hun proudly showing off her SEVERELY healthy hair using only Melaleuca products.", "subreddit": "antiMLM", "num_comments": 205, "score": 0.922, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qxbbf1/a_melaleuca_hun_proudly_showing_off_her_severely/" }, { "title": "Sign me up babe", "subreddit": "antiMLM", "num_comments": 30, "score": 0.916, "selftext": "You too can achieve split ends galore & the widest hair part of your life if you just switch to our \u201cclean, low-tox, European standard compliant products\u201d hun. Just DM \u201cgullible\u201d & I\u2019ll send you some info on how to become a boss babe like me!", "url": "https://reddit.com/r/antiMLM/comments/1qgrz2x/sign_me_up_babe/" }, { "title": "I, too, haven\u2019t cut my hair since the last time", "subreddit": "antiMLM", "num_comments": 57, "score": 0.912, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qx6sag/i_too_havent_cut_my_hair_since_the_last_time/" }, { "title": "Ok hun", "subreddit": "antiMLM", "num_comments": 32, "score": 0.892, "selftext": "This hun fully believes by using Monat products she\u2019ll achieve hair growth goal of past her \u201cboobies\u201d (her word not mine) by her wedding day in mid May. A good 25-30cm (roughly 10\u201d) growth in the next 3 months \ud83e\udd14 Time for a reality check hun.", "url": "https://reddit.com/r/antiMLM/comments/1qw5lbl/ok_hun/" }, { "title": "Immediate reduction in hair breakage?", "subreddit": "antiMLM", "num_comments": 7, "score": 0.89, "selftext": "Come on people, don\u2019t fall for this nonsense about the Monat IR Clinical scalp serum. NOTHING immediately reduces hair breakage. Just another example of the uneducated, fake claims by an uneducated, fake hun. ", "url": "https://reddit.com/r/antiMLM/comments/1qwg2sv/immediate_reduction_in_hair_breakage/" }, { "title": "Magic collagen", "subreddit": "antiMLM", "num_comments": 13, "score": 0.85, "selftext": "I'm sorry, are they claiming that two months on this suppliment thickened the *entire length* of a fellow hun's hair, not just new growth? Because that's what the video they posted looks like.", "url": "https://reddit.com/r/antiMLM/comments/1qu78e1/magic_collagen/" }, { "title": "Was told by my barber that we should ideally cut our hair (men) around every two weeks. Was he trying to oversell - if so, how often is \u2018ideal\u2019, how often do you go?", "subreddit": "Frugal", "num_comments": 325, "score": 0.8140000000000001, "selftext": "Last week I was told by my barber that we (men) should ideally cut our hair every two weeks to look presentable.\n\nI have short Asian hair which starts to flair out (usually on the two weekish mark) on the sides regardless of how much gel or wax I use to flatten it out. I usually get a skin fade which can set me back $40 aud.\n\nNormally I would go every three-four weeks which by then would like a bear out of hibernation.\n\nSo my question is - how often do you get your haircut? How much do you pay?", "url": "https://reddit.com/r/Frugal/comments/1qg65m7/was_told_by_my_barber_that_we_should_ideally_cut/" }, { "title": "Frugal hair care tip: use your regular conditioner as a leave-in.", "subreddit": "Frugal", "num_comments": 76, "score": 0.802, "selftext": "I\u2019ve been doing this for years with my long curly hair and it works so well. I typically use Pantene shampoo and conditioner. After showering, when my hair is damp I rake about a pump\u2019s worth of conditioner through my hair and brush it to distribute more evenly. Finger comb, then air dry and voila! Healthy, nourished, frizz free hair without spending money on a ton of product.\n\nEdit: this tip was meant for those who already use a leave-in conditioner and have thicker/coarse/curly hair. Of course", "url": "https://reddit.com/r/Frugal/comments/1qtanpa/frugal_hair_care_tip_use_your_regular_conditioner/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 10, "cross_source_count": 1, "reddit_post_count": 10, "question_signal_count": 10, "has_question_signal": true }, { "cluster_id": 69, "topics": [ { "topic_name": "Chase Sapphire Reserve Approval and New Rules for Bonus Eligibility (January 22, 2026)", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/CreditCards/comments/1qk1o2l/chase_sapphire_reserve_approval_and_new_rules_for/", "signal_type": "question" }, { "topic_name": "Chase Changing Rules Around Signup Bonus Eligibility For Sapphire Reserve & Sapphire Preferred", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/CreditCards/comments/1qekttk/chase_changing_rules_around_signup_bonus/", "signal_type": "question" }, { "topic_name": "Chase 5/24 is Still Very Much Alive", "source": "reddit", "region": "global", "score": 0.954, "url": "https://reddit.com/r/CreditCards/comments/1qbx08r/chase_524_is_still_very_much_alive/", "signal_type": "question" }, { "topic_name": "CSR Downgrade/Upgrade Question", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/CreditCards/comments/1r27fpi/csr_downgradeupgrade_question/", "signal_type": "question" }, { "topic_name": "What would make the Chase Sapphire Preferred exciting again?", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/CreditCards/comments/1qyq9gn/what_would_make_the_chase_sapphire_preferred/", "signal_type": "question" }, { "topic_name": "So far disappointed with the 5321 CC.", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/CreditCards/comments/1r2ccju/so_far_disappointed_with_the_5321_cc/", "signal_type": "question" }, { "topic_name": "Citi refused to honor in-flight AA 80k offer even with proof. I'd avoid", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/CreditCards/comments/1qqwpio/citi_refused_to_honor_inflight_aa_80k_offer_even/", "signal_type": "question" }, { "topic_name": "Citi strata premier & travel protection", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/CreditCards/comments/1r1v7re/citi_strata_premier_travel_protection/", "signal_type": "question" }, { "topic_name": "Confirmed: CSP 1 sub/lifetime", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/CreditCards/comments/1qkslxs/confirmed_csp_1_sublifetime/", "signal_type": "question" }, { "topic_name": "The Citi Strata Premier looks so nice in person, the images on the Citi site really undersell it", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/CreditCards/comments/1qyjo0o/the_citi_strata_premier_looks_so_nice_in_person/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Chase Sapphire Reserve Approval and New Rules for Bonus Eligibility (January 22, 2026)", "subreddit": "CreditCards", "num_comments": 212, "score": 0.972, "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", "url": "https://reddit.com/r/CreditCards/comments/1qk1o2l/chase_sapphire_reserve_approval_and_new_rules_for/" }, { "title": "Chase Changing Rules Around Signup Bonus Eligibility For Sapphire Reserve & Sapphire Preferred", "subreddit": "CreditCards", "num_comments": 107, "score": 0.962, "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 ", "url": "https://reddit.com/r/CreditCards/comments/1qekttk/chase_changing_rules_around_signup_bonus/" }, { "title": "Chase 5/24 is Still Very Much Alive", "subreddit": "CreditCards", "num_comments": 46, "score": 0.954, "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", "url": "https://reddit.com/r/CreditCards/comments/1qbx08r/chase_524_is_still_very_much_alive/" }, { "title": "CSR Downgrade/Upgrade Question", "subreddit": "CreditCards", "num_comments": 1, "score": 0.9319999999999999, "selftext": "In June of 2025, I upgraded one of my Freedom cards to the Chase Sapphire Reserve before the refresh. Chase is now allowing people who have not gotten the CSR bonus the ability to get one. Can I use up all the benefits before the annual fee hits, downgrade the card, and re-apply for the CSR to get the bonus AND still get all those benefits back again??? Just wanted clarification on this. I did get the Sapphire Preferred bonus back in late 2024 and just want to make sure what I want to do is poss", "url": "https://reddit.com/r/CreditCards/comments/1r27fpi/csr_downgradeupgrade_question/" }, { "title": "What would make the Chase Sapphire Preferred exciting again?", "subreddit": "CreditCards", "num_comments": 81, "score": 0.9319999999999999, "selftext": "Last refresh I could see is in 2021. Since then, the Citi Strata Premier, Wells Fargo Autograph, etc. have emerged with competitive, if not superior, multipliers. \n\nFor me, changing the 3x online grocery to just 3x grocery is a good start.", "url": "https://reddit.com/r/CreditCards/comments/1qyq9gn/what_would_make_the_chase_sapphire_preferred/" }, { "title": "So far disappointed with the 5321 CC.", "subreddit": "CreditCards", "num_comments": 3, "score": 0.918, "selftext": "\n\nNot talking about the new Citi Thankyou card which was the former SYW.\n\n\n\nIm taking about tbe 5321 which I thought would continue the tradition....\n\nI was hoping it would continue with the great target offers like spend $500 on gas and get $200 back...but im seeing nothing. Anyway my rant.", "url": "https://reddit.com/r/CreditCards/comments/1r2ccju/so_far_disappointed_with_the_5321_cc/" }, { "title": "Citi refused to honor in-flight AA 80k offer even with proof. I'd avoid", "subreddit": "CreditCards", "num_comments": 12, "score": 0.908, "selftext": "Posting this to see if anyone else has dealt with something similar.\n\nOn 12/14 I was on an AA flight and got one of those inflight credit card flyers for the Citi AAdvantage Platinum Select. The offer on the brochure was 80k miles after $1,000 spend in the first month. I applied based on that.\n\nAfter I was approved my account showed a completely different offer: 40,000 miles after $2,000 spend.\n\nI met the original $1,000 spend pretty quickly, then called Citi when I realized the offer didn\u2019t mat", "url": "https://reddit.com/r/CreditCards/comments/1qqwpio/citi_refused_to_honor_inflight_aa_80k_offer_even/" }, { "title": "Citi strata premier & travel protection", "subreddit": "CreditCards", "num_comments": 5, "score": 0.886, "selftext": "I have common carrier trip cancellation & trip interruption for flights with Citi strata premier CC, MASTERCARD. I often book one way tickets to and from my destination-instead of round trip. Sometimes Its a lot cheaper to arrive a a different airport & then leaving to go back home from another airport. With this being said, would I still be covered for protection if I booked two one way tickets? The original departure would be the same airport as the back home airport. \n\nFor example. Pu", "url": "https://reddit.com/r/CreditCards/comments/1r1v7re/citi_strata_premier_travel_protection/" }, { "title": "Confirmed: CSP 1 sub/lifetime", "subreddit": "CreditCards", "num_comments": 42, "score": 0.86, "selftext": "Applied for the Chase Sapphire Preferred just now online. Was told not eligible for new card member offer /sign up bonus, so I withdrew app. I opened and received bonus for CSP in 2021, PCed to CSR 2022, cancelled CSR 2024. 5/24 (many data points of Chase approving sapphire cards even when 5/24 since the refresh).", "url": "https://reddit.com/r/CreditCards/comments/1qkslxs/confirmed_csp_1_sublifetime/" }, { "title": "The Citi Strata Premier looks so nice in person, the images on the Citi site really undersell it", "subreddit": "CreditCards", "num_comments": 13, "score": 0.812, "selftext": "Like night and day. I thought this would be the ugliest card I own but that continues to be the Citi ThankYou card. \n\nThe outer edge of the strata cards looks so bland on the site but it is actually a much more lively silver in person, and the card has some small raised areas on the background shape. The dark Grey background is actually a more metallic color as well. Just a very nice looking card.", "url": "https://reddit.com/r/CreditCards/comments/1qyjo0o/the_citi_strata_premier_looks_so_nice_in_person/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 10, "cross_source_count": 1, "reddit_post_count": 10, "question_signal_count": 10, "has_question_signal": true }, { "cluster_id": 55, "topics": [ { "topic_name": "What's your advice for college students?", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/Frugal/comments/1r1iitg/whats_your_advice_for_college_students/", "signal_type": "question" }, { "topic_name": "If I\u2019m young is it really that easy?", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/personalfinance/comments/1r0et3h/if_im_young_is_it_really_that_easy/", "signal_type": "question" }, { "topic_name": "Can I pull the trigger to be SAHD? $3.7M, $190k current spend", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/financialindependence/comments/1qvpkbb/can_i_pull_the_trigger_to_be_sahd_37m_190k/", "signal_type": "question" }, { "topic_name": "empty nest single mom (42) feeling overwhelmed about finances \u2014 where do I start?", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/personalfinance/comments/1qy2x61/empty_nest_single_mom_42_feeling_overwhelmed/", "signal_type": "question" }, { "topic_name": "Any advice?", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/povertyfinance/comments/1r21oq8/any_advice/", "signal_type": "question" }, { "topic_name": "Is it realistic to earn $10\u201315/week online as a student?", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/povertyfinance/comments/1r1wuo1/is_it_realistic_to_earn_1015week_online_as_a/", "signal_type": "question" }, { "topic_name": "is it worth to do a certificate and work before i go back to school?", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/povertyfinance/comments/1r1b8vp/is_it_worth_to_do_a_certificate_and_work_before_i/", "signal_type": "question" }, { "topic_name": "24 with $35k saved: Am I crazy to leave my parents' basement in this market?", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/personalfinance/comments/1qn7clx/24_with_35k_saved_am_i_crazy_to_leave_my_parents/", "signal_type": "question" }, { "topic_name": "Need advice to earn money as a student", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/povertyfinance/comments/1r10yyy/need_advice_to_earn_money_as_a_student/", "signal_type": "question" }, { "topic_name": "Should I take a career break?", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/financialindependence/comments/1qbfapl/should_i_take_a_career_break/", "signal_type": "question" } ], "reddit_posts": [ { "title": "What's your advice for college students?", "subreddit": "Frugal", "num_comments": 5, "score": 0.964, "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 ", "url": "https://reddit.com/r/Frugal/comments/1r1iitg/whats_your_advice_for_college_students/" }, { "title": "If I\u2019m young is it really that easy?", "subreddit": "personalfinance", "num_comments": 499, "score": 0.962, "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", "url": "https://reddit.com/r/personalfinance/comments/1r0et3h/if_im_young_is_it_really_that_easy/" }, { "title": "Can I pull the trigger to be SAHD? $3.7M, $190k current spend", "subreddit": "financialindependence", "num_comments": 71, "score": 0.952, "selftext": "I'd like a sanity check on whether I can pull the trigger (throwaway for obvious reasons). My plan is to become a SAHD once the eldest begins Kindergarten (August). I HATE my job, the SAHD aspect is more to justify to my wife than myself - although, I think it will take a lot of load off of both of us since we both have stressful jobs.\n\n\n\n**Personal**: M (43), F (40), two kids aged 4 and 2\n\n\n\n**Assets**:\n\n \nPost tax investment: $2.4M\n\n \nPost tax bonds: $200k\n\n \nPre tax investments: 1.6M\n\n \n*", "url": "https://reddit.com/r/financialindependence/comments/1qvpkbb/can_i_pull_the_trigger_to_be_sahd_37m_190k/" }, { "title": "empty nest single mom (42) feeling overwhelmed about finances \u2014 where do I start?", "subreddit": "personalfinance", "num_comments": 179, "score": 0.948, "selftext": "I am a 42-year-old single midwest mom and my only child left for college last fall. The empty-nest reality is hitting harder than I expected, especially financially.\n\nI\u2019ve been in survival mode for a long time and now that this chapter is changing, I\u2019m realizing how behind I feel with money. I have credit card debt, not much saved, and a lot of anxiety around even looking at the numbers. I work and pay my bills, but I don\u2019t have a real plan and I\u2019m overwhelmed about where to begin. Cashed in wha", "url": "https://reddit.com/r/personalfinance/comments/1qy2x61/empty_nest_single_mom_42_feeling_overwhelmed/" }, { "title": "Any advice?", "subreddit": "povertyfinance", "num_comments": 2, "score": 0.942, "selftext": "I have a strong support system thankfully (from my parents)\n\nBut I\u2019m looking to see how to save more and where to start \n\nI am 18 and getting my ba in business undecided but I keep on easing money\n\nAnd I even considered joining the Air Force bc I want to be disciplined\n\nBut I want to stay in school, so first how can I start saving more? I have 4 k in money market account and a few hindered in a savings ", "url": "https://reddit.com/r/povertyfinance/comments/1r21oq8/any_advice/" }, { "title": "Is it realistic to earn $10\u201315/week online as a student?", "subreddit": "povertyfinance", "num_comments": 0, "score": 0.9359999999999999, "selftext": "Hi everyone, I\u2019m 21M living in Iran and studying microbiology. Recently I became really interested in data science and bioinformatics.\nI don\u2019t have financial support from my family, so I need to earn some money while studying. A regular part-time job is very hard for me because my classes are usually from 8am to 5pm, and most jobs here start in the evening and would leave me with no time to study.\nSo I\u2019m trying to get into freelancing and online work.\nDo you think it\u2019s realistic to earn around $", "url": "https://reddit.com/r/povertyfinance/comments/1r1wuo1/is_it_realistic_to_earn_1015week_online_as_a/" }, { "title": "is it worth to do a certificate and work before i go back to school?", "subreddit": "povertyfinance", "num_comments": 0, "score": 0.884, "selftext": "i'm a recent high school graduate, and am currently in a gap year. i spent the first half of my gap year preparing my portfolio for an animation school. then, my mom got laid off and i had to quit the art studio i was attending so i cld use the tuition fee to help pay bills instead. i've since postponed (more likely put a halt in) my application - my mom getting laid off is one thing, but also because animation industry is unstable and i don't know if i can handle that. that said, we were lucky ", "url": "https://reddit.com/r/povertyfinance/comments/1r1b8vp/is_it_worth_to_do_a_certificate_and_work_before_i/" }, { "title": "24 with $35k saved: Am I crazy to leave my parents' basement in this market?", "subreddit": "personalfinance", "num_comments": 205, "score": 0.844, "selftext": "Hi All,\n\nI\u2019m 24 currently living in my parents' basement. I work full-time, make decent money, and I\u2019ve reached the point where I want more privacy and a fresh start. I want to \"grow up\" and have my own place, but with how expensive everything is right now, I\u2019m struggling to decide if moving out is a smart move or a financial mistake.\n\nSome important information\n\n* **Savings:**\u00a0$35k (reserved for a down payment, closing costs, furniture, etc. I am not sure how I want to use this money since I do", "url": "https://reddit.com/r/personalfinance/comments/1qn7clx/24_with_35k_saved_am_i_crazy_to_leave_my_parents/" }, { "title": "Need advice to earn money as a student", "subreddit": "povertyfinance", "num_comments": 11, "score": 0.844, "selftext": "&#x200B;\n\nI\u2019m a student and I need to become financially independent within 1\u20132 months. I\u2019ll be moving out of a hostel into my own apartment, and initially I\u2019ll need to earn around 200$ per month to manage expenses. My parents will cover half the rent for few months, but I still need steady income.\n\nI\u2019ve tried YouTube and Instagram before but I did not work out that much. I have \\~1k followers, but the page had no clear niche, got copyright strikes, and nothing is working now, so I\u2019ve archiv", "url": "https://reddit.com/r/povertyfinance/comments/1r10yyy/need_advice_to_earn_money_as_a_student/" }, { "title": "Should I take a career break?", "subreddit": "financialindependence", "num_comments": 67, "score": 0.8140000000000001, "selftext": "Hey Reddit, me M(31) and my wife F(32) are planning to leave our corporate jobs in tech in a few months to travel around the world for about a year. This is something we've talked about for a while and we're both very excited about, it's also important to us that we do it soon before having kids. Even though I know I won't regret it, I still have doubts about leaving my job because I really enjoy it, l've built up a great team, and get paid well. I've worked really hard since starting my career ", "url": "https://reddit.com/r/financialindependence/comments/1qbfapl/should_i_take_a_career_break/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 10, "cross_source_count": 1, "reddit_post_count": 10, "question_signal_count": 10, "has_question_signal": true }, { "cluster_id": 58, "topics": [ { "topic_name": "Spotify Moves Features we already had to a new 'Platinum Premium' Subscription", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/assholedesign/comments/1q8g00l/spotify_moves_features_we_already_had_to_a_new/", "signal_type": "question" }, { "topic_name": "My \"$13/month\" MoviePass subscription actually costs $23 to watch a single 2D movie...", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/assholedesign/comments/1q7kydb/my_13month_moviepass_subscription_actually_costs/", "signal_type": "question" }, { "topic_name": "You must download our app for pricing", "source": "reddit", "region": "global", "score": 0.918, "url": "https://reddit.com/r/assholedesign/comments/1px37tr/you_must_download_our_app_for_pricing/", "signal_type": "question" }, { "topic_name": "Phone App Required for Purchase?", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/askcarsales/comments/1qdwzbp/phone_app_required_for_purchase/", "signal_type": "question" }, { "topic_name": "Is a YT premium membership worth it or is it a waste of money?", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/Frugal/comments/1qevpgd/is_a_yt_premium_membership_worth_it_or_is_it_a/", "signal_type": "question" }, { "topic_name": "Duolingo trial transitions to paid subscription without warning.", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/darkpatterns/comments/1k7g37r/duolingo_trial_transitions_to_paid_subscription/", "signal_type": "question" }, { "topic_name": "LPT Always check app publishers website for cheaper subscription options", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/LifeProTips/comments/1qq095v/lpt_always_check_app_publishers_website_for/", "signal_type": "question" }, { "topic_name": "Free Trial Option Makes The App 30% More Expensive Per Week", "source": "reddit", "region": "global", "score": 0.8280000000000001, "url": "https://reddit.com/r/assholedesign/comments/1oe1wqj/free_trial_option_makes_the_app_30_more_expensive/", "signal_type": "question" }, { "topic_name": "TIL that you have to have a Nintendo Switch Online membership to purchase AND to redeem Game Vouchers.", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/assholedesign/comments/1o15wcf/til_that_you_have_to_have_a_nintendo_switch/", "signal_type": "question" }, { "topic_name": "Does the buddy budgeting app have a lifetime subscription?", "source": "reddit", "region": "global", "score": 0.802, "url": "https://reddit.com/r/personalfinance/comments/1r290cg/does_the_buddy_budgeting_app_have_a_lifetime/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Spotify Moves Features we already had to a new 'Platinum Premium' Subscription", "subreddit": "assholedesign", "num_comments": 185, "score": 0.952, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1q8g00l/spotify_moves_features_we_already_had_to_a_new/" }, { "title": "My \"$13/month\" MoviePass subscription actually costs $23 to watch a single 2D movie...", "subreddit": "assholedesign", "num_comments": 83, "score": 0.948, "selftext": "Remember the glory days of MoviePass? $10 for unlimited movies? Well, they are back, and their new system is horrible, designed to force you into microtransactions to use the service at all.\n\nHere is the actual \"Asshole Design\" workflow I just went through:\n\n1. **The Bait:** I bought the $13 \"Basic\" plan. This gives you 34 credits.\n2. **The Trap:** I found a standard movie listed for exactly 34 credits. Perfect right?\n3. **The Switch:** At checkout, they hit me with a surprise 7-credit \"online s", "url": "https://reddit.com/r/assholedesign/comments/1q7kydb/my_13month_moviepass_subscription_actually_costs/" }, { "title": "You must download our app for pricing", "subreddit": "assholedesign", "num_comments": 58, "score": 0.918, "selftext": "This is a new one for me - download the app to see pricing. Umm, no thanks. ", "url": "https://reddit.com/r/assholedesign/comments/1px37tr/you_must_download_our_app_for_pricing/" }, { "title": "Phone App Required for Purchase?", "subreddit": "askcarsales", "num_comments": 21, "score": 0.914, "selftext": "Hello! I'm intending to replace a vehicle in the near future but am unwilling to install a phone app for telemetry on the car. I also understand that salespeople and dealerships have incentives for getting customers to install the apps. I don't want to be a jerk about it and cost a salesperson money.\n\nIs it possible to buy a new car (probably a Toyota) without installing the manufacturer's app? Is paying extra to offset whatever bonus would come from an app install a possibility?\n\nDoes the r", "url": "https://reddit.com/r/askcarsales/comments/1qdwzbp/phone_app_required_for_purchase/" }, { "title": "Is a YT premium membership worth it or is it a waste of money?", "subreddit": "Frugal", "num_comments": 409, "score": 0.908, "selftext": "EDIT: Thank you for the many answers within minutes! I'm overwhelmed, but reading them all!\n\nEDIT 2: Ok, I'm getting Youtube premium. Thanks for all the tips re adblocks and all, but I do not have the mental capacity for that rn. Thank you for everyone who told me it's not a waste of money if it makes my life better (somehow I struggle with spending money on improving my life). Thank you to everyone who took time out of their day to comment!\n\nEDIT 3: I have a genetic illness, I am severely disab", "url": "https://reddit.com/r/Frugal/comments/1qevpgd/is_a_yt_premium_membership_worth_it_or_is_it_a/" }, { "title": "Duolingo trial transitions to paid subscription without warning.", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.852, "selftext": "This showcases a deceptive pattern of making false claims to remind the user when the trial ends ( they promise a 2-day heads up ), but they don't notify the user of anything.", "url": "https://reddit.com/r/darkpatterns/comments/1k7g37r/duolingo_trial_transitions_to_paid_subscription/" }, { "title": "LPT Always check app publishers website for cheaper subscription options", "subreddit": "LifeProTips", "num_comments": 7, "score": 0.85, "selftext": "All appstores take a huge cut and many developers offer a much cheaper plan directly from their websites. NEVER buy immediately from appstores as they are most likely overcharging you to offset appstore fees. Apple users are main targets because Apple knows you'll pay. The savings are huge 30%+.\n\n", "url": "https://reddit.com/r/LifeProTips/comments/1qq095v/lpt_always_check_app_publishers_website_for/" }, { "title": "Free Trial Option Makes The App 30% More Expensive Per Week", "subreddit": "assholedesign", "num_comments": 5, "score": 0.8280000000000001, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1oe1wqj/free_trial_option_makes_the_app_30_more_expensive/" }, { "title": "TIL that you have to have a Nintendo Switch Online membership to purchase AND to redeem Game Vouchers.", "subreddit": "assholedesign", "num_comments": 129, "score": 0.8140000000000001, "selftext": "Title. What are your opinions on this?\n\nI personally think it's a bit scummy as I owned a Nintendo Switch Online Membership at the time of purchasing the Vouchers but didn't plan to renew it again by the time I actually wanted to use them but I will have to get another membership now so as not to waste the \u00a380 vouchers.\n\nDefinitely worth considering before buying these.", "url": "https://reddit.com/r/assholedesign/comments/1o15wcf/til_that_you_have_to_have_a_nintendo_switch/" }, { "title": "Does the buddy budgeting app have a lifetime subscription?", "subreddit": "personalfinance", "num_comments": 5, "score": 0.802, "selftext": "I was wondering if they offer a lifetime subscription option or if it's only monthly or yearly. Also if you use Buddy, do you think it's worth it long term? And if so, why or why not?", "url": "https://reddit.com/r/personalfinance/comments/1r290cg/does_the_buddy_budgeting_app_have_a_lifetime/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 10, "cross_source_count": 1, "reddit_post_count": 10, "question_signal_count": 10, "has_question_signal": true }, { "cluster_id": 73, "topics": [ { "topic_name": "AMEX Gold is it worth it for my situation?", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/CreditCards/comments/1r2b0rv/amex_gold_is_it_worth_it_for_my_situation/", "signal_type": "question" }, { "topic_name": "Venture or Venture X for Japan Trip", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/CreditCards/comments/1r2ax55/venture_or_venture_x_for_japan_trip/", "signal_type": "question" }, { "topic_name": "Savor or C1 Venture X, which card should I apply for first?", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/CreditCards/comments/1r28ecy/savor_or_c1_venture_x_which_card_should_i_apply/", "signal_type": "question" }, { "topic_name": "Do I downgrade the CSP or AMEX Gold after year 1?", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/CreditCards/comments/1r268o5/do_i_downgrade_the_csp_or_amex_gold_after_year_1/", "signal_type": "question" }, { "topic_name": "Venture X over Amex Gold??", "source": "reddit", "region": "global", "score": 0.866, "url": "https://reddit.com/r/CreditCards/comments/1r1mjkn/venture_x_over_amex_gold/", "signal_type": "question" }, { "topic_name": "Alternatives to AMEX Gold?", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/CreditCards/comments/1qs5erc/alternatives_to_amex_gold/", "signal_type": "question" }, { "topic_name": "Is it time to throw in the towel and just use one flat 2% cash back card on everything?", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/CreditCards/comments/1r0rvl6/is_it_time_to_throw_in_the_towel_and_just_use_one/", "signal_type": "question" }, { "topic_name": "Being Realistic About The Amex Platinum vs Other High End Travel Cards", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/CreditCards/comments/1qwopik/being_realistic_about_the_amex_platinum_vs_other/", "signal_type": "question" }, { "topic_name": "Don't forget The Rakuten Credit Card can earn UNLIMTED 10X BILT points or Amex points on Rakuten Dining.", "source": "reddit", "region": "global", "score": 0.84, "url": "https://reddit.com/r/CreditCards/comments/1ql79tb/dont_forget_the_rakuten_credit_card_can_earn/", "signal_type": "question" }, { "topic_name": "AMEX Blue Cash Preferred Good for me?", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/CreditCards/comments/1r1m16g/amex_blue_cash_preferred_good_for_me/", "signal_type": "question" } ], "reddit_posts": [ { "title": "AMEX Gold is it worth it for my situation?", "subreddit": "CreditCards", "num_comments": 6, "score": 0.952, "selftext": "First time poster, long time lurker. Many assistance for the cards I have now from this sub and value this subs feedback. \n\nTrying to gauge if AMEX Gold is worth it for me\u2026. Very conflicted. I have a 100k point offer now. \n\nBut here is my current layout. \n\nBCP\n\n\\- streaming (YouTube tv, Spotify, Hulu Disney espn bundle credit, Netflix) - pays for annual fee alone \n\n\\- 6% back on groceries .. cap 6k hurts. \n\n\\-3% back on transit - uber/ ezpass \n\n\\-1% everyday purchases- main card \n\nCostco - mainl", "url": "https://reddit.com/r/CreditCards/comments/1r2b0rv/amex_gold_is_it_worth_it_for_my_situation/" }, { "title": "Venture or Venture X for Japan Trip", "subreddit": "CreditCards", "num_comments": 8, "score": 0.95, "selftext": "I currently have the savor card (only cc) and its been a year of owning so I got a CLI to 3700 from 700. I wanted to plan a trip to Japan but was wondering if the Venture SUB now would be worth it then downgrading or going straight for the venture x would be worth it.\n\nWould there be issues with trying to get the vx down the road? Also would the CSP be a better option? Would I even be approved for the cards?\n\nCred Score: 730\n\n", "url": "https://reddit.com/r/CreditCards/comments/1r2ax55/venture_or_venture_x_for_japan_trip/" }, { "title": "Savor or C1 Venture X, which card should I apply for first?", "subreddit": "CreditCards", "num_comments": 4, "score": 0.9359999999999999, "selftext": "I have pre-applied for both cards and have been approved. My only question is which card do I apply for first? Main purchases are restaurants and groceries but will be flying this year \\~3x. Not sure which card I should get first as I understand I will have to wait some time to apply for another card. Appreciate any advice. ", "url": "https://reddit.com/r/CreditCards/comments/1r28ecy/savor_or_c1_venture_x_which_card_should_i_apply/" }, { "title": "Do I downgrade the CSP or AMEX Gold after year 1?", "subreddit": "CreditCards", "num_comments": 9, "score": 0.916, "selftext": "Hi all, I\u2019m coming up on year 2 for both my Gold and CSP. I got the SUBs, and I see no purpose in keeping both as they kinda do the same thing. I have no problem using the Amex credits so the higher AF is no issue. I know Amex doesn\u2019t really have a reliable $0 AF fee card to downgrade to, but Chase does (flex/CFU) so I need to downgrade to something and sock drawer so I can keep the points alive. \n\nI don\u2019t travel much, nor have I really much before, but I plan to soon in the coming years as I en", "url": "https://reddit.com/r/CreditCards/comments/1r268o5/do_i_downgrade_the_csp_or_amex_gold_after_year_1/" }, { "title": "Venture X over Amex Gold??", "subreddit": "CreditCards", "num_comments": 10, "score": 0.866, "selftext": "I have had the Amex Gold since 2023 and honestly, I have not really been finding myself using the benefits enough to offset the annual fee. I was looking into the Venture X card and the $300 travel credit already makes it worth it since I travel internationally 1-2x/year. I do have the Chase trifecta as well, and Amex BCE. Thoughts?", "url": "https://reddit.com/r/CreditCards/comments/1r1mjkn/venture_x_over_amex_gold/" }, { "title": "Alternatives to AMEX Gold?", "subreddit": "CreditCards", "num_comments": 82, "score": 0.852, "selftext": "Long time AMEX Gold user and feel as if the yearly fee (now $325) keeps increasing, and my points keep decreasing in value (65 cents on the dollar for travel through AMEX Travel).\n\nI like the 4x on dining & groceries, the customer service, and the \u201cunlimited spending/no limit\u201d. Only perk that I use is the $10/mo in uber.\n\nI spend anywhere from $2,000-$10,000/mo and pay off in full every month. Charge cards don\u2019t scare me, not looking to carry a balance.\n\nIt just doesn\u2019t feel worth the sque", "url": "https://reddit.com/r/CreditCards/comments/1qs5erc/alternatives_to_amex_gold/" }, { "title": "Is it time to throw in the towel and just use one flat 2% cash back card on everything?", "subreddit": "CreditCards", "num_comments": 59, "score": 0.848, "selftext": "I have 200k Amex points that I hope to use for a trip to Thailand or Taiwan, but no telling when that will be. Maybe November or next January, but who knows. I\u2019m also juggling the CSP, CFF, Amazon Prime Visa, and Savor. Starting to think I should just use points for cash back rather than transfer them out.\n\nI recently picked up the Fidelity Rewards Visa and am enjoying the simplicity. And more importantly, getting my finances in order and investing in my future. That being said, I get in my own ", "url": "https://reddit.com/r/CreditCards/comments/1r0rvl6/is_it_time_to_throw_in_the_towel_and_just_use_one/" }, { "title": "Being Realistic About The Amex Platinum vs Other High End Travel Cards", "subreddit": "CreditCards", "num_comments": 64, "score": 0.848, "selftext": "To most of you I\u2019m sure this is obvious but I hope this helps any new comers to the CC game.\n\nI\u2019ve been a Platinum Card holder since 2019 and I\u2019m most likely canceling it this year, especially after getting the Venture X.\n\nThere was a time in my life when carrying the platinum card made sense and paid for its annual fee 10 times over. I was traveling for work basically once a month and I was allowed to put all expenses on my personal credit cards. I was absolutely raking in the points. Hotels an", "url": "https://reddit.com/r/CreditCards/comments/1qwopik/being_realistic_about_the_amex_platinum_vs_other/" }, { "title": "Don't forget The Rakuten Credit Card can earn UNLIMTED 10X BILT points or Amex points on Rakuten Dining.", "subreddit": "CreditCards", "num_comments": 40, "score": 0.84, "selftext": "Before BILT changes the Rakuten conversion rates for Silver & below, now would be a great time to apply for the Rakuten Credit Card. Then, after May 15th, you can switch to Amex MR (if you have an MR card):\n\nThe Rewards earning rates are:\n\n\u25cf Extra 4% Cash Back on eligible Rakuten purchases (online & in-store), up to $7,000 in a calendar year, 1% Cash Back on eligible Rakuten purchases after the $7,000 cap\n\n\u25cf Extra 5% Cash Back on eligible Rakuten Dining Program purchases for a total of 1", "url": "https://reddit.com/r/CreditCards/comments/1ql79tb/dont_forget_the_rakuten_credit_card_can_earn/" }, { "title": "AMEX Blue Cash Preferred Good for me?", "subreddit": "CreditCards", "num_comments": 4, "score": 0.8180000000000001, "selftext": "Currently have a Savor 3% cashback on groceries and a Costco membership (can't use savor) to get better deals.\n\nWould it be better to cancel Costco, get the blue cash preferred for 6% cash back on groceries? It's $95 AF after 1st year. I would likely use the $120 Disney Plus credit too, so AF isn't a big deal.", "url": "https://reddit.com/r/CreditCards/comments/1r1m16g/amex_blue_cash_preferred_good_for_me/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 10, "cross_source_count": 1, "reddit_post_count": 10, "question_signal_count": 10, "has_question_signal": true }, { "cluster_id": 51, "topics": [ { "topic_name": "Ideas to increase spouse\u2019s credit score", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/personalfinance/comments/1r2bqxs/ideas_to_increase_spouses_credit_score/", "signal_type": "question" }, { "topic_name": "Got an Ad for a debt consolidation and what a scam I hope no one falls for it", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/povertyfinance/comments/1qqrvln/got_an_ad_for_a_debt_consolidation_and_what_a/", "signal_type": "question" }, { "topic_name": "Delinquent status and consumer report dispute. Really need advice", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/CreditCards/comments/1r20a2m/delinquent_status_and_consumer_report_dispute/", "signal_type": "question" }, { "topic_name": "I finally paid off my credit card!", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/povertyfinance/comments/1qivgt4/i_finally_paid_off_my_credit_card/", "signal_type": "question" }, { "topic_name": "Should I settle my debt or pay in full?", "source": "reddit", "region": "global", "score": 0.894, "url": "https://reddit.com/r/personalfinance/comments/1r27nze/should_i_settle_my_debt_or_pay_in_full/", "signal_type": "question" }, { "topic_name": "6 times of paying off CC debt and getting back into CC debt again", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/personalfinance/comments/1qt2o8o/6_times_of_paying_off_cc_debt_and_getting_back/", "signal_type": "question" }, { "topic_name": "Credit usage question", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/personalfinance/comments/1r23ha6/credit_usage_question/", "signal_type": "question" }, { "topic_name": "My debt fell off\u2026 how did this happen?", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/personalfinance/comments/1r1zcbf/my_debt_fell_off_how_did_this_happen/", "signal_type": "question" }, { "topic_name": "Raise credit to get a debt consolidation loan.", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/personalfinance/comments/1r1z5wc/raise_credit_to_get_a_debt_consolidation_loan/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Ideas to increase spouse\u2019s credit score", "subreddit": "personalfinance", "num_comments": 9, "score": 0.972, "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.", "url": "https://reddit.com/r/personalfinance/comments/1r2bqxs/ideas_to_increase_spouses_credit_score/" }, { "title": "Got an Ad for a debt consolidation and what a scam I hope no one falls for it", "subreddit": "povertyfinance", "num_comments": 44, "score": 0.8240000000000001, "selftext": "Take 57 years to pay off $9k of debt lmao ", "url": "https://reddit.com/r/povertyfinance/comments/1qqrvln/got_an_ad_for_a_debt_consolidation_and_what_a/" }, { "title": "Delinquent status and consumer report dispute. Really need advice", "subreddit": "CreditCards", "num_comments": 6, "score": 0.946, "selftext": "I have had a perfect payment history my whole life. 800 credit score and everything is great. I just recently switched over to a USAA credit card and transfered all of my balances to this new credit card. I immediately set up autopay. \n\nI noticed late last night that my account showed as delinquent. the balance transfers took place in early January and the autopay was set up at the same time. So naturally I was confused. \n\nthis morning I am being informed that, despite the autopay being set up, ", "url": "https://reddit.com/r/CreditCards/comments/1r20a2m/delinquent_status_and_consumer_report_dispute/" }, { "title": "I finally paid off my credit card!", "subreddit": "povertyfinance", "num_comments": 37, "score": 0.9339999999999999, "selftext": "Back in August I started really working to pay down my credit card debt. I was sick of the stress of making minimum payments and still not seeing the balance go down. Card was maxed out above the $8,000 limit with an additional \\~$400 in interest, and my credit score was in the mid 500s.\n\nToday, I finally hit a zero balance, and a credit score over 700! Hooray!", "url": "https://reddit.com/r/povertyfinance/comments/1qivgt4/i_finally_paid_off_my_credit_card/" }, { "title": "Should I settle my debt or pay in full?", "subreddit": "personalfinance", "num_comments": 5, "score": 0.894, "selftext": "I tanked my credit when I was younger and I\u2019m trying to rebuild it. A majority of my debt is from a $5,500 credit card that is in collections. I have another account with the same creditor that is in good standing and I have 3 small credit cards in good standing as well. I currently have a 640 FICO 8 score. The creditor is offering to settle for 20%. ", "url": "https://reddit.com/r/personalfinance/comments/1r27nze/should_i_settle_my_debt_or_pay_in_full/" }, { "title": "6 times of paying off CC debt and getting back into CC debt again", "subreddit": "personalfinance", "num_comments": 184, "score": 0.884, "selftext": "hello\n\nI\u2019m a 30YO who has her first CC when I was 23 and I maxed it out at 12K with a 24% interest. Took me 1.5 years to finally pay it off and never used it again. After I learned about balance transfers I never paid interests again because would balance transfer all my debts before the interest would accumulate but doing this kept me in a loop of maxing out 1 card and rolling over and going hard on paying it off (paying close to $1000 a month a times) and other times using my savings (done thi", "url": "https://reddit.com/r/personalfinance/comments/1qt2o8o/6_times_of_paying_off_cc_debt_and_getting_back/" }, { "title": "Credit usage question", "subreddit": "personalfinance", "num_comments": 6, "score": 0.848, "selftext": "Hey guys I am currently working on consolidating my debt and have been rejected from a balance transfer recently. I checked my credit report and I have a 670 (went down from 770 a year ago) because of credit utilization is at 96%. Under this debt it is showing my mom\u2019s car loan I co-signed on a couple of years ago. I spoke with my mom and she is okay with taking me off the loan and got the bank to approve it if I decide to get taken off the loan. Will getting taken off this loan improve my curre", "url": "https://reddit.com/r/personalfinance/comments/1r23ha6/credit_usage_question/" }, { "title": "My debt fell off\u2026 how did this happen?", "subreddit": "personalfinance", "num_comments": 6, "score": 0.8180000000000001, "selftext": "So back in my university days I maxed out 3 credit cards and had a bunch of unpaid bills so my credit score had been in the 400s for a long time\u2026 fast forward to a few months ago I got a pre approval notification from my bank for a credit card \ud83d\ude33. So i decided to check my credit score and report and to my surprise my score is almost 700 and none of my old credit cards or unpaid bills appear on my report \ud83d\ude33. How possible is this?????", "url": "https://reddit.com/r/personalfinance/comments/1r1zcbf/my_debt_fell_off_how_did_this_happen/" }, { "title": "Raise credit to get a debt consolidation loan.", "subreddit": "personalfinance", "num_comments": 6, "score": 0.8160000000000001, "selftext": "Hello all.\n\nI am looking to improve my credit score to get a debt consolidation loan of around 8K or so.\n\nMy credit is not good it is around 580.\n\nThe reason why it is so low is because I have six credit cards which are all maxed out. I know a huge problem.\n\nThe good news is next week I will be receiving a bonus from work.\n\nWhat would be the better plan to get up to where I can get a debt consolidation loan?:\n\nA: I could pay off my three highest limit credit cards. The 3 lower limit ones would r", "url": "https://reddit.com/r/personalfinance/comments/1r1z5wc/raise_credit_to_get_a_debt_consolidation_loan/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 9, "cross_source_count": 1, "reddit_post_count": 9, "question_signal_count": 9, "has_question_signal": true }, { "cluster_id": 76, "topics": [ { "topic_name": "Sophisticated scam attempt (canada).", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/Scams/comments/1r0mi2g/sophisticated_scam_attempt_canada/", "signal_type": "question" }, { "topic_name": "[US] Xfnity Scam: Almost Bullet Proof", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/Scams/comments/1r0snv7/us_xfnity_scam_almost_bullet_proof/", "signal_type": "question" }, { "topic_name": "[NL] MT5Research.com is probably a scam", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/Scams/comments/1r133mp/nl_mt5researchcom_is_probably_a_scam/", "signal_type": "question" }, { "topic_name": "[US] misaddressed data breach notification from https://www.njcrib.com/", "source": "reddit", "region": "global", "score": 0.978, "url": "https://reddit.com/r/Scams/comments/1r2dilh/us_misaddressed_data_breach_notification_from/", "signal_type": "question" }, { "topic_name": "[US] Weird insulting spam emails?", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/Scams/comments/1r1z9cv/us_weird_insulting_spam_emails/", "signal_type": "question" }, { "topic_name": "[US] So I almost got phished today. And honestly? It was really well done. accounts.google.com", "source": "reddit", "region": "global", "score": 0.968, "url": "https://reddit.com/r/Scams/comments/1qm7vbg/us_so_i_almost_got_phished_today_and_honestly_it/", "signal_type": "question" }, { "topic_name": "Apple Fraud \"fake\" number appears in Google Search Results", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/Scams/comments/1qv3y6x/apple_fraud_fake_number_appears_in_google_search/", "signal_type": "question" }, { "topic_name": "Hiya, was just wondering if this is nothing to be worried about. I got an unusual sign in activity email last week", "source": "reddit", "region": "global", "score": 0.8180000000000001, "url": "https://reddit.com/r/Scams/comments/1r091vv/hiya_was_just_wondering_if_this_is_nothing_to_be/", "signal_type": "question" }, { "topic_name": "[US] Recived this email today while i was asleep taking a nap, and woke up to this email claiming to be from a court", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/Scams/comments/1quea3r/us_recived_this_email_today_while_i_was_asleep/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Sophisticated scam attempt (canada).", "subreddit": "Scams", "num_comments": 39, "score": 0.896, "selftext": "Today, I got a call claiming to be from Tangerine Bank (Canada). They told me there was a transaction attempt in BC and someone had added a phone number to my account. I panicked\u2014did they really get into my bank? The guy said yes and added they\u2019d block my card, send a new one, and I\u2019d only be able to make in-person transactions. Then he asked if I\u2019d had issues with Netflix or email. That\u2019s when I realized they likely caused those attempts to sound credible. He had my address, phone number, date ", "url": "https://reddit.com/r/Scams/comments/1r0mi2g/sophisticated_scam_attempt_canada/" }, { "title": "[US] Xfnity Scam: Almost Bullet Proof", "subreddit": "Scams", "num_comments": 13, "score": 0.89, "selftext": "I recieved a scam call from Xfinity. Everything checked out:\n\n* Caller ID showed correct xfinity phone number\n* They knew my name\n* They knew my account number\n* They knew my address\n* They knew my cell number\n\nWhat tipped me off it was a scam?\n\n* They called me to tell me they detected firewall was down and malware made it into my system. Xfinity would never call about firewall or malware.\n* And most importantly, I don't have Xfinity service anymore because I ditched them a year ago.\n * They", "url": "https://reddit.com/r/Scams/comments/1r0snv7/us_xfnity_scam_almost_bullet_proof/" }, { "title": "[NL] MT5Research.com is probably a scam", "subreddit": "Scams", "num_comments": 15, "score": 0.858, "selftext": "I was just called on my mobile phone by a gentleman with a Dutch mobile number who told me he had been trying to reach me for two weeks because my opportunity to regain access to my account was expiring in two weeks. If I only completed my account information with my address details and uploaded a copy of my ID, my coins which I supposedly still had on an old MetaTrader (I think he said) account would be added to my account on their site and I could exchange and withdraw them.\n\nThis has all the ", "url": "https://reddit.com/r/Scams/comments/1r133mp/nl_mt5researchcom_is_probably_a_scam/" }, { "title": "[US] misaddressed data breach notification from https://www.njcrib.com/", "subreddit": "Scams", "num_comments": 4, "score": 0.978, "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&format=png&auto=webp&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", "url": "https://reddit.com/r/Scams/comments/1r2dilh/us_misaddressed_data_breach_notification_from/" }, { "title": "[US] Weird insulting spam emails?", "subreddit": "Scams", "num_comments": 19, "score": 0.974, "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?", "url": "https://reddit.com/r/Scams/comments/1r1z9cv/us_weird_insulting_spam_emails/" }, { "title": "[US] So I almost got phished today. And honestly? It was really well done. accounts.google.com", "subreddit": "Scams", "num_comments": 42, "score": 0.968, "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. ", "url": "https://reddit.com/r/Scams/comments/1qm7vbg/us_so_i_almost_got_phished_today_and_honestly_it/" }, { "title": "Apple Fraud \"fake\" number appears in Google Search Results", "subreddit": "Scams", "num_comments": 27, "score": 0.946, "selftext": "People searching for Apple Fraud contact information should know that this legitimate looking number (see highlighted number in screenshot) appears in Google search results. I (like an idiot) called them to ask some questions about my elderly mother's recent fraud activity an could tell by how they answered that it definitely wasn't Apple and hung up. I then called Apple Customer support and they confirmed it is a fraudulent number. Whomever answers the phone will ask for information to access ", "url": "https://reddit.com/r/Scams/comments/1qv3y6x/apple_fraud_fake_number_appears_in_google_search/" }, { "title": "Hiya, was just wondering if this is nothing to be worried about. I got an unusual sign in activity email last week", "subreddit": "Scams", "num_comments": 12, "score": 0.8180000000000001, "selftext": "Basically got one saying unusual sign in activity from a Venezuelan IP address thought it was just a scam and moved on but I got 3 more this afternoon from Argentina and 2 other countries I forgot about I\u2019ve blocked the sender and deleted the emails I haven\u2019t clicked any links and I can\u2019t recall even having a Microsoft account with my iCloud account and I\u2019m vary wary about what I use my iCloud for, is it just spam scam emails and when I look up unusual sign in activity scam the images are essent", "url": "https://reddit.com/r/Scams/comments/1r091vv/hiya_was_just_wondering_if_this_is_nothing_to_be/" }, { "title": "[US] Recived this email today while i was asleep taking a nap, and woke up to this email claiming to be from a court", "subreddit": "Scams", "num_comments": 66, "score": 0.812, "selftext": "I just woke up from my nap, to find this email claiming to be a court summons. Though I am suspicious of it being a scam. I haven't received an email scam in a long time.\n\nHere are the email details i received below everything is word for word: \n\n\"OFFICIAL COURT NOTICE\nUnited States District Court - Action Required\n[Official Court Notification,\nNotice Date: Monday, February 2, 2026 Time:\n2:41 PM EST\nCase Number: #USDC-2026-63829-CV\nTo the Defendant:\nPursuant to Rule 4 of the Federal Rules of\nCiv", "url": "https://reddit.com/r/Scams/comments/1quea3r/us_recived_this_email_today_while_i_was_asleep/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 9, "cross_source_count": 1, "reddit_post_count": 9, "question_signal_count": 9, "has_question_signal": true }, { "cluster_id": 39, "topics": [ { "topic_name": "How can I get out this hole?", "source": "reddit", "region": "global", "score": 0.99, "url": "https://reddit.com/r/personalfinance/comments/1r232qj/how_can_i_get_out_this_hole/", "signal_type": "question" }, { "topic_name": "$2000 in debt after a really tough year. I don't know what else to do.", "source": "reddit", "region": "global", "score": 0.954, "url": "https://reddit.com/r/povertyfinance/comments/1r1y0vw/2000_in_debt_after_a_really_tough_year_i_dont/", "signal_type": "question" }, { "topic_name": "need guidance to find 4,000 to avoid money judgement.", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/povertyfinance/comments/1r294zv/need_guidance_to_find_4000_to_avoid_money/", "signal_type": "question" }, { "topic_name": "Need advice", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/povertyfinance/comments/1r1fbfx/need_advice/", "signal_type": "question" }, { "topic_name": "I\u2019m in debt, tried everything to get out of it, I even tried finding a sugar daddy I\u2019m a widowed mum If anyone has an idea how I can get out of this let me know I\u2019ve had debt collectors around many times, I just don\u2019t know what to do.if anyone would like to help that would be appreciated", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/povertyfinance/comments/1r1kd5k/im_in_debt_tried_everything_to_get_out_of_it_i/", "signal_type": "question" }, { "topic_name": "$2,000 in overdraft fees in one year", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/povertyfinance/comments/1qznopr/2000_in_overdraft_fees_in_one_year/", "signal_type": "question" }, { "topic_name": "Really struggling. Could use advice.", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/povertyfinance/comments/1qzvq53/really_struggling_could_use_advice/", "signal_type": "question" }, { "topic_name": "What should I do to overcome this problem", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/personalfinance/comments/1r1xxxn/what_should_i_do_to_overcome_this_problem/", "signal_type": "question" }, { "topic_name": "Need help with steps to leave Americor and pay remaining debts on my own.", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/povertyfinance/comments/1r0ndz1/need_help_with_steps_to_leave_americor_and_pay/", "signal_type": "question" } ], "reddit_posts": [ { "title": "How can I get out this hole?", "subreddit": "personalfinance", "num_comments": 19, "score": 0.99, "selftext": "Hello! 31 male, made a career change going from \\~$60k a year to <$40k a year until I\u2019m able to move up the ranks at my new job. I have $35k of debt between credit cards and loans for extreme vehicle repairs (because I cannot afford another vehicle). I do own the car, but that\u2019s because I have a loan to consolidate that, another loan I received 6 years ago, and $10k of credit card debt to bring a high 30% interest and $900 worth of payments a month down to 19% interest and $675 monthly paymen", "url": "https://reddit.com/r/personalfinance/comments/1r232qj/how_can_i_get_out_this_hole/" }, { "title": "$2000 in debt after a really tough year. I don't know what else to do.", "subreddit": "povertyfinance", "num_comments": 7, "score": 0.954, "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", "url": "https://reddit.com/r/povertyfinance/comments/1r1y0vw/2000_in_debt_after_a_really_tough_year_i_dont/" }, { "title": "need guidance to find 4,000 to avoid money judgement.", "subreddit": "povertyfinance", "num_comments": 27, "score": 0.9299999999999999, "selftext": "Im looking for assistance to help me with a 4,000 loan to pay off the remainder of my money judgment. my deadline is this friday february 14th. ive tried to get help from friends, family members, even advances but i have no leads and am freaking out and feeling hopeless. i dont want this to affect me or my guarantors for the future of their credit. i lost my job a few months ago and this put me in an unfortunate situation, im getting back on my feet now and working but my paycheck has been delay", "url": "https://reddit.com/r/povertyfinance/comments/1r294zv/need_guidance_to_find_4000_to_avoid_money/" }, { "title": "Need advice", "subreddit": "povertyfinance", "num_comments": 6, "score": 0.876, "selftext": "I currently have some debt racked up and thankfully it\u2019s not anything too insane. I have about 4k in debt. I\u2019m unfortunately a student who is working part-time so I can\u2019t work as much as I\u2019d like to pay these cards off and I can\u2019t just keep paying the minimum on these cards bc the interest just keeps setting me back from paying these cards. I want to consolidate my debt and atp I\u2019m so desperate to get all this stuff paid that I don\u2019t mind high interest rates and paying the extra fees I just need", "url": "https://reddit.com/r/povertyfinance/comments/1r1fbfx/need_advice/" }, { "title": "I\u2019m in debt, tried everything to get out of it, I even tried finding a sugar daddy I\u2019m a widowed mum If anyone has an idea how I can get out of this let me know I\u2019ve had debt collectors around many times, I just don\u2019t know what to do.if anyone would like to help that would be appreciated", "subreddit": "povertyfinance", "num_comments": 5, "score": 0.852, "selftext": "Full time widowed mum in debt", "url": "https://reddit.com/r/povertyfinance/comments/1r1kd5k/im_in_debt_tried_everything_to_get_out_of_it_i/" }, { "title": "$2,000 in overdraft fees in one year", "subreddit": "povertyfinance", "num_comments": 172, "score": 0.83, "selftext": "I am so tired. Since Jan 2025 I have paid over 2,000 in overdraft fees. No options with my bank other than permanently closing the account. \n\nThe cycle just never stops. I feel trapped. I can barely get my account to date due to overdraft fees. Last month I had $200 left in profit but $180 in overdraft fees. It left me with $20, which didn't cover a credit card charge, causing me to get another overdraft fee. MAKE IT STOP. \n\nI understand customers should be held accountable for this, but $2,000 ", "url": "https://reddit.com/r/povertyfinance/comments/1qznopr/2000_in_overdraft_fees_in_one_year/" }, { "title": "Really struggling. Could use advice.", "subreddit": "povertyfinance", "num_comments": 92, "score": 0.8140000000000001, "selftext": "Hello everyone.\n\nI feel as if my life is over and there\u2019s no way out. I have 18k in cc debt. I recently took a promotion to be a store manager which caused me to move to the west coast away from my family. I\u2019m out here all alone. I am a single 31 year old female & I I live alone with two cats. I work 45-50 hours a week. I make 82k a year before taxes so my checks are $2200 every two weeks.\n\nI feel incredibly depressed and stressed over paying the cc debt off. I had an addiction to kratom or ", "url": "https://reddit.com/r/povertyfinance/comments/1qzvq53/really_struggling_could_use_advice/" }, { "title": "What should I do to overcome this problem", "subreddit": "personalfinance", "num_comments": 7, "score": 0.81, "selftext": "I have over 300,000 pesos debt ($6,000)\n\nI lost my business and I can\u2019t have job because of all my debts are on due date and they want file a cases against to me if I will not pay them.\n\nWhat should I do ?\n\nBecause this problem almost 3 months I can\u2019t sleep properly", "url": "https://reddit.com/r/personalfinance/comments/1r1xxxn/what_should_i_do_to_overcome_this_problem/" }, { "title": "Need help with steps to leave Americor and pay remaining debts on my own.", "subreddit": "povertyfinance", "num_comments": 0, "score": 0.806, "selftext": "", "url": "https://reddit.com/r/povertyfinance/comments/1r0ndz1/need_help_with_steps_to_leave_americor_and_pay/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 9, "cross_source_count": 1, "reddit_post_count": 9, "question_signal_count": 9, "has_question_signal": true }, { "cluster_id": 50, "topics": [ { "topic_name": "Can someone here explain how this balance transfer would work?", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/povertyfinance/comments/1r2cbkh/can_someone_here_explain_how_this_balance/", "signal_type": "question" }, { "topic_name": "(uk) Advice on making the most of 0% interest balance transfer?", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/personalfinance/comments/1r2cx0h/uk_advice_on_making_the_most_of_0_interest/", "signal_type": "question" }, { "topic_name": "Store Cards with Terrible APR", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/CreditCards/comments/1r27bih/store_cards_with_terrible_apr/", "signal_type": "question" }, { "topic_name": "Can I do a zero balance transfer to an institution I already have a relationship with but for a new card?", "source": "reddit", "region": "global", "score": 0.894, "url": "https://reddit.com/r/CreditCards/comments/1r1vyns/can_i_do_a_zero_balance_transfer_to_an/", "signal_type": "question" }, { "topic_name": "Credit Card Upgrade with a balance?", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/CreditCards/comments/1r219et/credit_card_upgrade_with_a_balance/", "signal_type": "question" }, { "topic_name": "Chase Credit: If I pay more than the ISB, does the excess go toward new purchases or active POT plans?", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/personalfinance/comments/1r1zre5/chase_credit_if_i_pay_more_than_the_isb_does_the/", "signal_type": "question" }, { "topic_name": "Popeyes doesn\u2019t let you use your entire gift card balance", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/assholedesign/comments/1oql35o/popeyes_doesnt_let_you_use_your_entire_gift_card/", "signal_type": "question" }, { "topic_name": "Does my Statement Balance include what I already paid off?`", "source": "reddit", "region": "global", "score": 0.832, "url": "https://reddit.com/r/CreditCards/comments/1r1dnph/does_my_statement_balance_include_what_i_already/", "signal_type": "question" }, { "topic_name": "Question about paying the Full balance monthly", "source": "reddit", "region": "global", "score": 0.8140000000000001, "url": "https://reddit.com/r/CreditCards/comments/1r1g8yn/question_about_paying_the_full_balance_monthly/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Can someone here explain how this balance transfer would work?", "subreddit": "povertyfinance", "num_comments": 12, "score": 0.982, "selftext": "Hello friends!\n\nI\u2019ve got about $5,500 in credit card debt.\n\nI\u2019m unsure what the \u201c3% of each transfer completed within the first 4 months of account opening\u201d means. I plan on just doing two transfers from two cards that I owe money on. Would that mean I\u2019m just paying $165 to transfer that money to the 0% card?\n\nAlso, I have 2 Citi cards already. Will I still be able to get another card to use for the balance transfer?\n\nThanks in advance!", "url": "https://reddit.com/r/povertyfinance/comments/1r2cbkh/can_someone_here_explain_how_this_balance/" }, { "title": "(uk) Advice on making the most of 0% interest balance transfer?", "subreddit": "personalfinance", "num_comments": 4, "score": 0.946, "selftext": "I am going to give as much information as I can but please feel free to question anything.\n\nso I got a Barclay card with 0% interest for 36 months on balance transfers with a credit limit of \u00a310,000. I thought that the 36 month 0% interest applied to everything on the Barclay card but it is just the balance transfer.\n\nI did a balance transfer from my NatWest credit card of \u00a35500 as the one year promotional offer of 0% runs out next month. So now I have credit limit again of \u00a36000 on my Natwest.\n", "url": "https://reddit.com/r/personalfinance/comments/1r2cx0h/uk_advice_on_making_the_most_of_0_interest/" }, { "title": "Store Cards with Terrible APR", "subreddit": "CreditCards", "num_comments": 8, "score": 0.9299999999999999, "selftext": "If I need to make one large purchase and the store offers a 0% interest to spread payments out over 12 months, that seems great; the APR afterwards is like 34.99 - 39.99% which sounds terrible, so was thinking what the pros and cons of getting it, buying, then canceling after 12 months would be. Help analyzing would be appreciated! Thank you for your time!", "url": "https://reddit.com/r/CreditCards/comments/1r27bih/store_cards_with_terrible_apr/" }, { "title": "Can I do a zero balance transfer to an institution I already have a relationship with but for a new card?", "subreddit": "CreditCards", "num_comments": 4, "score": 0.894, "selftext": "I was going to open a new card with an institution I already have a relationship with but transfer a balance from a different institution, will this qualify?\n\nHow can I verify if so? Thanks!", "url": "https://reddit.com/r/CreditCards/comments/1r1vyns/can_i_do_a_zero_balance_transfer_to_an/" }, { "title": "Credit Card Upgrade with a balance?", "subreddit": "CreditCards", "num_comments": 4, "score": 0.89, "selftext": "Credit Karma keeps suggesting I upgrade my first ever card I applied for that I still have from years back, admittedly it does suck but I have a balance of 2 grand left on it that I\u2019m slowing paying down, my question is, is this even beneficial? Sure the balance transfer intro is 0% APR but am I guaranteed a higher credit line to bolster my credit score a few points more while giving me breathing room from interest or should I just keep the card and pay it off. I just have never really heard of ", "url": "https://reddit.com/r/CreditCards/comments/1r219et/credit_card_upgrade_with_a_balance/" }, { "title": "Chase Credit: If I pay more than the ISB, does the excess go toward new purchases or active POT plans?", "subreddit": "personalfinance", "num_comments": 4, "score": 0.882, "selftext": "I have a few Pay Over Time plans, and I always pay the Interest Savings Balance.\n\nI would like to make an additional payment this month if it will go toward new purchases. But I suspect it will go toward the active POT plans to increase the chances of accruing interest on this month\u2019s new purchases next month.\n\nDoes anyone know? Thanks!", "url": "https://reddit.com/r/personalfinance/comments/1r1zre5/chase_credit_if_i_pay_more_than_the_isb_does_the/" }, { "title": "Popeyes doesn\u2019t let you use your entire gift card balance", "subreddit": "assholedesign", "num_comments": 240, "score": 0.848, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1oql35o/popeyes_doesnt_let_you_use_your_entire_gift_card/" }, { "title": "Does my Statement Balance include what I already paid off?`", "subreddit": "CreditCards", "num_comments": 5, "score": 0.832, "selftext": "I have 5k in credit limit.\n\nI just made a 2k purchase.\n\nI have a 3k purchase coming up in the same month\n\nIf I COMPLETELY pay off the 2k, will i still reach my limit?\n\nI don't want credit companies to see I'm using ALL my limit, so can I just pay it all off immediately so it's not on my statement??", "url": "https://reddit.com/r/CreditCards/comments/1r1dnph/does_my_statement_balance_include_what_i_already/" }, { "title": "Question about paying the Full balance monthly", "subreddit": "CreditCards", "num_comments": 2, "score": 0.8140000000000001, "selftext": "Ok, so I've reached the stage where I can, and do pay the full balance on my cards every month.\nThey're all set on auto pay, so I shouldn't worry about it.\nAnd yet...\nMy main card is a discover, the due date was the 7th, and they didn't take a payment. It said no payment due. I think this is because I paid a large chunk of it earlier in the billing cycle?\nShould I just let the auto pay do it's thing on the due date?\nNext, my other cards always show a balance after the payment is made, assuming ", "url": "https://reddit.com/r/CreditCards/comments/1r1g8yn/question_about_paying_the_full_balance_monthly/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 9, "cross_source_count": 1, "reddit_post_count": 9, "question_signal_count": 9, "has_question_signal": true }, { "cluster_id": 6, "topics": [ { "topic_name": "Have you used AI to evaluate your FIRE plans?", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/financialindependence/comments/1r0fuk2/have_you_used_ai_to_evaluate_your_fire_plans/", "signal_type": "question" }, { "topic_name": "The AI Overview experience is a fever dream", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/darkpatterns/comments/1qwlp53/the_ai_overview_experience_is_a_fever_dream/", "signal_type": "question" }, { "topic_name": "AI is more evil than I ever could have guessed...", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/antiMLM/comments/1qzzhwd/ai_is_more_evil_than_i_ever_could_have_guessed/", "signal_type": "question" }, { "topic_name": "Cursiv \u00fcber Insta ... Achtung!", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/Scams/comments/1r25lfw/cursiv_\u00fcber_insta_achtung/", "signal_type": "question" }, { "topic_name": "LLM Conversational Language", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/darkpatterns/comments/1p22u5t/llm_conversational_language/", "signal_type": "question" }, { "topic_name": "What in the AI slop is this nonsense?", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/antiMLM/comments/1qgbkfw/what_in_the_ai_slop_is_this_nonsense/", "signal_type": "question" }, { "topic_name": "Google has automatically opted its users into having all emails scanned by and used to train AI. Can be opted out very meticulously.", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/assholedesign/comments/1p37ro2/google_has_automatically_opted_its_users_into/", "signal_type": "question" }, { "topic_name": "Middle School Students created AI explicit images of me.", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/legaladvice/comments/1r0mtp8/middle_school_students_created_ai_explicit_images/", "signal_type": "question" }, { "topic_name": "Paid $2K for an \u201cAI security layer\u201d and it flagged my own model as a threat and locked me out.", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/assholedesign/comments/1oqlg04/paid_2k_for_an_ai_security_layer_and_it_flagged/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Have you used AI to evaluate your FIRE plans?", "subreddit": "financialindependence", "num_comments": 39, "score": 0.982, "selftext": "Came across this NYTimes article about folks using AI to evaluate their retirement planning and was wondering if this community has made any use of AI in their FIRE planning. \n\nFull Disclosure: I have not done anything with AI for my FIRE plans but would love to know if you have and how.\n\nHope this makes sense, and here is the article: [https://www.nytimes.com/2026/02/08/business/retirement-planning-ai-chatbots.html](https://www.nytimes.com/2026/02/08/business/retirement-planning-ai-chatbots.", "url": "https://reddit.com/r/financialindependence/comments/1r0fuk2/have_you_used_ai_to_evaluate_your_fire_plans/" }, { "title": "The AI Overview experience is a fever dream", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.976, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1qwlp53/the_ai_overview_experience_is_a_fever_dream/" }, { "title": "AI is more evil than I ever could have guessed...", "subreddit": "antiMLM", "num_comments": 10, "score": 0.956, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qzzhwd/ai_is_more_evil_than_i_ever_could_have_guessed/" }, { "title": "Cursiv \u00fcber Insta ... Achtung!", "subreddit": "Scams", "num_comments": 4, "score": 0.926, "selftext": "Ich habe \u00fcber Insta nur f\u00fcr einen AI Testlehrgang im Oktober 2025 gebucht, dieser war eine einmalige Zahlung, explizit kein Abo. Die haben mir gleichzeitig ein AI-Tool (\"Notion\") verkauft, ohne meine Zusstimmung. Ich habe reklamiert und der Betrag war sofort erstattet. F\u00fcr mich war die Sache erledigt. Zwei Monate (!) sp\u00e4ter ziehen die 47,59\u20ac und einen Monat sp\u00e4ter nochmal 47,59\u20ac \u00fcber mein Paypal account. Ich habe bei Paypal reklamiert, heute kam die Antwort und es wurde gegen mich entschieden. ", "url": "https://reddit.com/r/Scams/comments/1r25lfw/cursiv_\u00fcber_insta_achtung/" }, { "title": "LLM Conversational Language", "subreddit": "darkpatterns", "num_comments": 3, "score": 0.924, "selftext": "LLMs (ChatGPT) using conversational language is definitely a dark pattern that is keeping people addicted to AI now. \n\nI'm not sure why this isn't being talked about more. It's even more dangerous than the dark patterns social media uses to keep glued to the stream. ", "url": "https://reddit.com/r/darkpatterns/comments/1p22u5t/llm_conversational_language/" }, { "title": "What in the AI slop is this nonsense?", "subreddit": "antiMLM", "num_comments": 32, "score": 0.892, "selftext": "", "url": "https://reddit.com/r/antiMLM/comments/1qgbkfw/what_in_the_ai_slop_is_this_nonsense/" }, { "title": "Google has automatically opted its users into having all emails scanned by and used to train AI. Can be opted out very meticulously.", "subreddit": "assholedesign", "num_comments": 191, "score": 0.876, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1p37ro2/google_has_automatically_opted_its_users_into/" }, { "title": "Middle School Students created AI explicit images of me.", "subreddit": "LegalAdvice", "num_comments": 63, "score": 0.872, "selftext": "Location: AR, USA. Long story short, i teach at a middle school. 2 of my male students took an image of me and created\u2026 well, AI p\\*rn. They shared it amongst other students, and when caught, they only got 4 days of suspension. Where do i go from here? Is there anything I CAN do? This has been overwhelming, and I feel like I have no support. I\u2019m also a new teacher, so I\u2019ve been stressing out so much about how this will affect my professional image that I haven\u2019t been able to sleep or much. I fee", "url": "https://reddit.com/r/legaladvice/comments/1r0mtp8/middle_school_students_created_ai_explicit_images/" }, { "title": "Paid $2K for an \u201cAI security layer\u201d and it flagged my own model as a threat and locked me out.", "subreddit": "assholedesign", "num_comments": 48, "score": 0.846, "selftext": "I run a small AI project for a client- nothing wild, just a model that summarizes internal reports. A friend recommended this tool called Virtue AI to \u201csecure\u201d it from data poisoning and leaks. Their pitch sounded great: it monitors your model, blocks suspicious inputs, keeps your data safe, blah blah.\n\nFirstly, the Setup took forever. It's Documentation was so vague and half the API endpoints weren\u2019t even explained. But after two days, I finally got it integrated.\n\nWithin hours, it started flag", "url": "https://reddit.com/r/assholedesign/comments/1oqlg04/paid_2k_for_an_ai_security_layer_and_it_flagged/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 9, "cross_source_count": 1, "reddit_post_count": 9, "question_signal_count": 9, "has_question_signal": true }, { "cluster_id": 11, "topics": [ { "topic_name": "Suspended without pay for missing a meeting on day off with 30 minutes notice.", "source": "reddit", "region": "global", "score": 0.98, "url": "https://reddit.com/r/legaladvice/comments/1r2c9lq/suspended_without_pay_for_missing_a_meeting_on/", "signal_type": "question" }, { "topic_name": "Manager contacted metlife and told them im faking being disabled", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/legaladvice/comments/1qepp9j/manager_contacted_metlife_and_told_them_im_faking/", "signal_type": "question" }, { "topic_name": "Employer is \u201cinterpreting\u201d that i voluntarily resigned.", "source": "reddit", "region": "global", "score": 0.928, "url": "https://reddit.com/r/legaladvice/comments/1qm042h/employer_is_interpreting_that_i_voluntarily/", "signal_type": "question" }, { "topic_name": "Would this non-compete be enforceable if I was laid off, and how strict is it to prevent my employment at other local firms in my industry?", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/legaladvice/comments/1r2cvso/would_this_noncompete_be_enforceable_if_i_was/", "signal_type": "question" }, { "topic_name": "Employment Issue: Possible discrimination?", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/legaladvice/comments/1r2coyr/employment_issue_possible_discrimination/", "signal_type": "question" }, { "topic_name": "Laid off effective immediately but am still asked to come in to work. (no severance)", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/legaladvice/comments/1qc8qqj/laid_off_effective_immediately_but_am_still_asked/", "signal_type": "question" }, { "topic_name": "The company that laid me off has not paid me severance per our agreement", "source": "reddit", "region": "global", "score": 0.876, "url": "https://reddit.com/r/legaladvice/comments/1r24593/the_company_that_laid_me_off_has_not_paid_me/", "signal_type": "question" }, { "topic_name": "I got fired for forming a union", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/legaladvice/comments/1r1oq12/i_got_fired_for_forming_a_union/", "signal_type": "question" }, { "topic_name": "Even tho it\u2019s tough - be thankful to have what you do.", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/povertyfinance/comments/1qczllx/even_tho_its_tough_be_thankful_to_have_what_you_do/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Suspended without pay for missing a meeting on day off with 30 minutes notice.", "subreddit": "LegalAdvice", "num_comments": 5, "score": 0.98, "selftext": "Location: Indiana and North Carolina.\n\nLooking for some clarity on a weird situation with an employer. A full-time, salaried employee (E) works remotely in Indiana for a startup business located in North Carolina.\n\nBoss runs the company by the seat of his pants. Rules are made on the fly and hours are extremely flexible to his individual needs. The employees are all scheduled for 4 day work weeks, which is heavily pushed during the hiring process, but the reality is an expectation of 24/7 availa", "url": "https://reddit.com/r/legaladvice/comments/1r2c9lq/suspended_without_pay_for_missing_a_meeting_on/" }, { "title": "Manager contacted metlife and told them im faking being disabled", "subreddit": "LegalAdvice", "num_comments": 50, "score": 0.974, "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", "url": "https://reddit.com/r/legaladvice/comments/1qepp9j/manager_contacted_metlife_and_told_them_im_faking/" }, { "title": "Employer is \u201cinterpreting\u201d that i voluntarily resigned.", "subreddit": "LegalAdvice", "num_comments": 212, "score": 0.928, "selftext": "Location: Illinois.\n\nThe other day i got to work and after being there 20 minutes a coworker was slamming stuff and then got close to me and started yelling at me. She told ME \u201cto keep slamming things\u201d and asked if i \u201cwanted to slam her\u201d and to \u201cjust do it\u201d. I felt uncomfortable and unsafe. I think it was a pretty hostile environment and felt harassed so i clocked out and went to my car. I texted my manager and explained the whole situation and told her \u201ci cant work with that\u201d (should of worded ", "url": "https://reddit.com/r/legaladvice/comments/1qm042h/employer_is_interpreting_that_i_voluntarily/" }, { "title": "Would this non-compete be enforceable if I was laid off, and how strict is it to prevent my employment at other local firms in my industry?", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.916, "selftext": "Location: New Jersey / Pennsylvania \n\nI was let go from my previous employer a little over a month ago. I have been interviewing with other firms in the industry, and have two offers pending, however a non-compete question has come up. The two organizations I am waiting on offers for are approximately 24 miles from my previous company's office, however I was a remote employee. A link to the non-compete is below.\n\nsome background: i was employed there for about 18 months. In those 18 months, my p", "url": "https://reddit.com/r/legaladvice/comments/1r2cvso/would_this_noncompete_be_enforceable_if_i_was/" }, { "title": "Employment Issue: Possible discrimination?", "subreddit": "LegalAdvice", "num_comments": 2, "score": 0.912, "selftext": "Location: Nevada \n\nI\u2019ve been at xyz company for 4 years. They hired a counterpart for me, and that person and I have been equal in title but not in pay. I make almost double what he makes. \n\nThere has been a restructuring so that the department is now hierarchical. Big boss at the top, followed by counterpart, and I\u2019m being positioned as a third. \n\nI have more education and experience than my counterpart. \n\nDo I have a possible case for sex or race discrimination? Even though I make more money, ", "url": "https://reddit.com/r/legaladvice/comments/1r2coyr/employment_issue_possible_discrimination/" }, { "title": "Laid off effective immediately but am still asked to come in to work. (no severance)", "subreddit": "LegalAdvice", "num_comments": 168, "score": 0.908, "selftext": "Location: VA\nI was laid off last week from my employer after three months of the place of business being open (med spa). They told me that they were closing down this establishment until further notice. I was an hourly and commission employee. I performed services for commission and got paid hourly for other tasks. If you\u2019ve worked in the beauty industry, hopefully this makes sense. I was the only full-time employee while everyone else was \u201con call\u201c so they didn\u2019t get laid off, as they only come", "url": "https://reddit.com/r/legaladvice/comments/1qc8qqj/laid_off_effective_immediately_but_am_still_asked/" }, { "title": "The company that laid me off has not paid me severance per our agreement", "subreddit": "LegalAdvice", "num_comments": 12, "score": 0.876, "selftext": "Location: Idaho\n\nHi all, I unfortunately got laid off from my place of work back in January. After I was laid off, the company sent me an agreement document to sign with several rules I must follow in order to receive my severance pay. One of the stipulations in the agreement states \"the severance shall be mailed or directly deposited into Employee's bank account within fifteen (15) business days following the date of receipt of a fully executed agreement from employee\"\n\nI signed and sent the do", "url": "https://reddit.com/r/legaladvice/comments/1r24593/the_company_that_laid_me_off_has_not_paid_me/" }, { "title": "I got fired for forming a union", "subreddit": "LegalAdvice", "num_comments": 14, "score": 0.834, "selftext": "Location: WA state \n\nBack in October, I was let go from my job. I was told my position was eliminated and then they offered me a lower position at a site that is too far away from my location. I had an arranged hybrid position to accommodate my son\u2019s daycare schedule and this \u201coffer\u201d was explicitly stated to be 5 days a week. They were also hiring for that same position at the location I worked at. \n\nAt the time, I had suspicions it was due to my activity in attempting to form a union. Which I w", "url": "https://reddit.com/r/legaladvice/comments/1r1oq12/i_got_fired_for_forming_a_union/" }, { "title": "Even tho it\u2019s tough - be thankful to have what you do.", "subreddit": "povertyfinance", "num_comments": 33, "score": 0.806, "selftext": "I spent two years at my former employer working six days a week. I missed six days total this year 2 were bereavement and was fired over a single customer complaint claiming I lied.\n\nIt was an old school, small family business. Nine employees. Six of them shared the same name. Let\u2019s say it\u2019s Steve. The Steve who founded the company is still working there in his 80s.\n\nOn December 18th, Steve called me. After two years and two months with no verbal warnings. No write ups. No prior issues on record", "url": "https://reddit.com/r/povertyfinance/comments/1qczllx/even_tho_its_tough_be_thankful_to_have_what_you_do/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 9, "cross_source_count": 1, "reddit_post_count": 9, "question_signal_count": 9, "has_question_signal": true }, { "cluster_id": 10, "topics": [ { "topic_name": "Restaurant rescinded CC/Debit surcharge after complain", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/CreditCards/comments/1r2bpws/restaurant_rescinded_ccdebit_surcharge_after/", "signal_type": "question" }, { "topic_name": "Enterprise? Yeah, I don\u2019t think so.", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/Scams/comments/1qqm7jt/enterprise_yeah_i_dont_think_so/", "signal_type": "question" }, { "topic_name": "Excellent experience chargeback with capital one", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/CreditCards/comments/1r22w1j/excellent_experience_chargeback_with_capital_one/", "signal_type": "question" }, { "topic_name": "Using credit cards instead of debit card.", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/personalfinance/comments/1qwzzub/using_credit_cards_instead_of_debit_card/", "signal_type": "question" }, { "topic_name": "My bank charged me a $10 convenience fee for each loan payment I had to make using a separate account\u2019s debit card.", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/povertyfinance/comments/1qpiddo/my_bank_charged_me_a_10_convenience_fee_for_each/", "signal_type": "question" }, { "topic_name": "If you\u2019re dining out with a large-ish group and split the bill evenly, how do you make sure the bill is correct/not extra charges by mistake?", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/Frugal/comments/1qyoz84/if_youre_dining_out_with_a_largeish_group_and/", "signal_type": "question" }, { "topic_name": "It doesn\u2019t hurt to ask!! Reverse fees.", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/povertyfinance/comments/1r0aj6m/it_doesnt_hurt_to_ask_reverse_fees/", "signal_type": "question" }, { "topic_name": "Ridiculous fees to transfer from Venmo", "source": "reddit", "region": "global", "score": 0.85, "url": "https://reddit.com/r/povertyfinance/comments/1r1gz0t/ridiculous_fees_to_transfer_from_venmo/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Restaurant rescinded CC/Debit surcharge after complain", "subreddit": "CreditCards", "num_comments": 21, "score": 0.998, "selftext": "A restaurant we visit every week began charging a Cash and Non-Cash (3% markup) price. I took my debit card the next week and was charged the Non-Cash price. I reported them to MC/Visa and this week there was no credit/debit surcharge or separate prices. I wonder if they got their hand slapped. I love it since Chase Q1 is 5% back on restaurants!", "url": "https://reddit.com/r/CreditCards/comments/1r2bpws/restaurant_rescinded_ccdebit_surcharge_after/" }, { "title": "Enterprise? Yeah, I don\u2019t think so.", "subreddit": "Scams", "num_comments": 55, "score": 0.996, "selftext": "Was at Walmart the other day, I work at another store next door but I had on my blue lanyard. As I was walking down the aisle, an older lady looking at the gift cards asked me if I worked there. I let her know I didn\u2019t but still offered to help her. She had her phone on speaker and the guy (thick foreign accent) was asking about a specific reloadable bank card. I can\u2019t remember the brand now but told her I didnt see what she was looking for. She told the guy on the phone this and he switched to ", "url": "https://reddit.com/r/Scams/comments/1qqm7jt/enterprise_yeah_i_dont_think_so/" }, { "title": "Excellent experience chargeback with capital one", "subreddit": "CreditCards", "num_comments": 0, "score": 0.988, "selftext": "Used my Capital One Spark Business card for a \\~$7k furniture purchase. The store went bankrupt about 4 months later and I never got the order.\n\nFiled a chargeback, submitted receipts and documentation, and Capital One handled everything. Took about 2 months to resolve, but they ultimately ruled in my favor and credited the full amount.\n\nHonestly impressed \u2014 situations like vendor bankruptcy are out of your control, and it was a huge relief not being stuck eating the loss.", "url": "https://reddit.com/r/CreditCards/comments/1r22w1j/excellent_experience_chargeback_with_capital_one/" }, { "title": "Using credit cards instead of debit card.", "subreddit": "personalfinance", "num_comments": 533, "score": 0.974, "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. ", "url": "https://reddit.com/r/personalfinance/comments/1qwzzub/using_credit_cards_instead_of_debit_card/" }, { "title": "My bank charged me a $10 convenience fee for each loan payment I had to make using a separate account\u2019s debit card.", "subreddit": "povertyfinance", "num_comments": 129, "score": 0.942, "selftext": "Like, I had to do that because I didn\u2019t have any money in that bank account. So they scalp me for another $20. So infuriating. ", "url": "https://reddit.com/r/povertyfinance/comments/1qpiddo/my_bank_charged_me_a_10_convenience_fee_for_each/" }, { "title": "If you\u2019re dining out with a large-ish group and split the bill evenly, how do you make sure the bill is correct/not extra charges by mistake?", "subreddit": "Frugal", "num_comments": 80, "score": 0.926, "selftext": "I mean, unless you pass the bill around the table and everyone takes a pen and crosses off their order, how would you know if something was on the bill by mistake? Does that make sense? By chance I \\*did\\* catch an erroneous charge so now I\u2019m wondering if it happens more often than I realize. \n\nHow do you usually handle group bills? Do you split evenly, request separate checks, everyone puts in for what they order (I often find in this last way people don\u2019t put in enough for their sales tax/forg", "url": "https://reddit.com/r/Frugal/comments/1qyoz84/if_youre_dining_out_with_a_largeish_group_and/" }, { "title": "It doesn\u2019t hurt to ask!! Reverse fees.", "subreddit": "povertyfinance", "num_comments": 6, "score": 0.862, "selftext": "I was charged an annual fee of $95 on a chase card that I\u2019m only 2-3 months from paying off. I was on the phone for less than two minutes and all I said was \u201cI\u2019m working really hard to have this paid off in the next few months, and this set me back, is there any way this can be reversed?\u201d He was so nice and refunded it immediately!\n\nIt obviously helps to be in good standing payment wise. Always be polite and professional!! Credit debt is so stressful, but some quick calls and short and sweet que", "url": "https://reddit.com/r/povertyfinance/comments/1r0aj6m/it_doesnt_hurt_to_ask_reverse_fees/" }, { "title": "Ridiculous fees to transfer from Venmo", "subreddit": "povertyfinance", "num_comments": 10, "score": 0.85, "selftext": "I was overdrafted by $-290, I needed an emergency transfer from Venmo. It charged me $5 to transfer instantly.\n\nIt is absolutely criminal that we have to pay to access our OWN money!\n\nThe only thing I am reminded of is that it truly is expensive to be poor.", "url": "https://reddit.com/r/povertyfinance/comments/1r1gz0t/ridiculous_fees_to_transfer_from_venmo/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 8, "cross_source_count": 1, "reddit_post_count": 8, "question_signal_count": 8, "has_question_signal": true }, { "cluster_id": 40, "topics": [ { "topic_name": "Paypal applying dynamic FX conversion", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/darkpatterns/comments/1r1vopd/paypal_applying_dynamic_fx_conversion/", "signal_type": "question" }, { "topic_name": "What Robinhood Said Tuesday About The Gold Card", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/CreditCards/comments/1r1n37j/what_robinhood_said_tuesday_about_the_gold_card/", "signal_type": "question" }, { "topic_name": "Rug Pulled by Robinhood Credit Card: 3% reduced to 1% Cash Back", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/CreditCards/comments/1qmap0k/rug_pulled_by_robinhood_credit_card_3_reduced_to/", "signal_type": "question" }, { "topic_name": "Robinhood Gold Card approved, no inquiry applied on file?", "source": "reddit", "region": "global", "score": 0.984, "url": "https://reddit.com/r/CreditCards/comments/1r2b03b/robinhood_gold_card_approved_no_inquiry_applied/", "signal_type": "question" }, { "topic_name": "Been on the Robinhood Credit Card waitlist forever \u2014 Gold member with Premier-level assets. Anyone else?", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/CreditCards/comments/1r29byt/been_on_the_robinhood_credit_card_waitlist/", "signal_type": "question" }, { "topic_name": "Seemingly Blacklisted by Bank of America", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/CreditCards/comments/1r1wzov/seemingly_blacklisted_by_bank_of_america/", "signal_type": "question" }, { "topic_name": "Data point, Ebay purchases not eligible for Robinhood Gold card points now", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/CreditCards/comments/1qpm5e7/data_point_ebay_purchases_not_eligible_for/", "signal_type": "question" }, { "topic_name": "FYI anyone with your physical robinhood card can add it to their apple pay without any verification needed", "source": "reddit", "region": "global", "score": 0.87, "url": "https://reddit.com/r/CreditCards/comments/1qq0b4k/fyi_anyone_with_your_physical_robinhood_card_can/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Paypal applying dynamic FX conversion", "subreddit": "darkpatterns", "num_comments": 0, "score": 0.996, "selftext": "Situation: You want to pay something in eBay in a foreign currency because you know your card provides better FX rates. \nYou select \"pay in foreign currency\" in eBay, then select paypal payment. Most people would think \"ok, I will pay in the foreign currency\" right? RIGHT?!?\n\nThink twice. Paypal will bend you over if you have \"automatic payments\" active, have no account balance and a payment card or account set up. Why? because now cards and accounts have a default currency. You forget to chang", "url": "https://reddit.com/r/darkpatterns/comments/1r1vopd/paypal_applying_dynamic_fx_conversion/" }, { "title": "What Robinhood Said Tuesday About The Gold Card", "subreddit": "CreditCards", "num_comments": 60, "score": 0.994, "selftext": "Today, Robinhood reported its quarterly financial results. The company mentioned its plans for the Robinhood Card. Here are some of the details from today's report.\n\n* \"We plan to more than double the amount of customers with Gold Cards this year to over one million by the end of the year\" \n* \"Scaling and validating the economics of the Gold\" is listed as one of three company priorities.\n* \"The Robinhood Gold Card is currently rolling out via a waitlist.\"\n* The company made $24 million in credit", "url": "https://reddit.com/r/CreditCards/comments/1r1n37j/what_robinhood_said_tuesday_about_the_gold_card/" }, { "title": "Rug Pulled by Robinhood Credit Card: 3% reduced to 1% Cash Back", "subreddit": "CreditCards", "num_comments": 171, "score": 0.994, "selftext": "I'm writing this as a warning to others who are either using Robinhood Credit Card or are eager to get off the waitlist. My first six months using the credit card was amazing, great UI, 3% cash back on every purchase, no issues whatsoever.\n\nI just checked my card statement today and discovered that since mid-December, my rewards have been capped at 1%. I received a policy update over the new years about some transactions being reduced from 3% to 1% such as gift card purchases which makes sense. ", "url": "https://reddit.com/r/CreditCards/comments/1qmap0k/rug_pulled_by_robinhood_credit_card_3_reduced_to/" }, { "title": "Robinhood Gold Card approved, no inquiry applied on file?", "subreddit": "CreditCards", "num_comments": 7, "score": 0.984, "selftext": "Hey all, as the title says, I\u2019m finally off the waitlist for the gold card and got an email saying I can apply. Was approved for 10k limit with a 780 credit score. I\u2019ve seen people saying you can unfreeze your credit and once you accept the card and confirm shipping address, freeze your credit once again and it won\u2019t ding your credit report. I haven\u2019t gotten any notification that my credit was pulled and I would like to see if anyone can confirm this as well? I will report back in a month from n", "url": "https://reddit.com/r/CreditCards/comments/1r2b03b/robinhood_gold_card_approved_no_inquiry_applied/" }, { "title": "Been on the Robinhood Credit Card waitlist forever \u2014 Gold member with Premier-level assets. Anyone else?", "subreddit": "CreditCards", "num_comments": 3, "score": 0.942, "selftext": "I\u2019ve been on the Robinhood Credit Card waitlist for a really long time now and I\u2019m starting to get a bit confused about how the rollout works.\n\nFor context:\n\n* I\u2019m a Robinhood Gold member\n* I have a brokerage account\n* I also contribute to both Traditional and Roth IRAs on the platform\n* My total assets are well above the Premier requirement\n\nI\u2019ve been actively using Robinhood for investing and long-term retirement contributions, so I was pretty excited about the credit card, specially since it ", "url": "https://reddit.com/r/CreditCards/comments/1r29byt/been_on_the_robinhood_credit_card_waitlist/" }, { "title": "Seemingly Blacklisted by Bank of America", "subreddit": "CreditCards", "num_comments": 22, "score": 0.94, "selftext": "Edit: Just to clarify, the scores posted are from the MyFico app.\n\nI have been a Bank of America banking customer for 26 years, and decided to apply for their credit card 6 months ago with a 720 credit score. Denied. I waited 3 months, and my score increased to 752. Denied again. 3 more months, 774 score, denied again. I wrote reconsideration letters each time, and I was denied again each time. Here are the reasons they gave:\n\n-Too many recent inquiries (There's 3, and they're all BOA)\n\n-Ag", "url": "https://reddit.com/r/CreditCards/comments/1r1wzov/seemingly_blacklisted_by_bank_of_america/" }, { "title": "Data point, Ebay purchases not eligible for Robinhood Gold card points now", "subreddit": "CreditCards", "num_comments": 41, "score": 0.916, "selftext": "Think this is related to the change most recently about the Gold Card not being eligible for certain transactions that was sent out about week and a half ago.\n\nI may a small Ebay purchase for $14 (pair of sunglasses) and says 0 points and not eligible.\n\nAttached is image\n\nhttps://ibb.co/7NZDRj6m", "url": "https://reddit.com/r/CreditCards/comments/1qpm5e7/data_point_ebay_purchases_not_eligible_for/" }, { "title": "FYI anyone with your physical robinhood card can add it to their apple pay without any verification needed", "subreddit": "CreditCards", "num_comments": 34, "score": 0.87, "selftext": "My wife doesn't like playing the credit card rewards game and just pays for everything with apple pay. I often add my cards to her apple pay to help hit sign on bonuses, etc. With every other bank I've done this with I've gotten some sort of verification requirement, be it a push notification or a text code. Today I added my robinhood gold card to her apple pay, and no verification was needed at all. I didn't even get an email to let me know my card was added to a new apple pay account.\n\nJust a ", "url": "https://reddit.com/r/CreditCards/comments/1qq0b4k/fyi_anyone_with_your_physical_robinhood_card_can/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 8, "cross_source_count": 1, "reddit_post_count": 8, "question_signal_count": 8, "has_question_signal": true }, { "cluster_id": 8, "topics": [ { "topic_name": "HSA in Optum is charging me ridiculous fees, and they suck. Optum Financial-> Fidelity? But forcing me to liquidate!.", "source": "reddit", "region": "global", "score": 0.994, "url": "https://reddit.com/r/personalfinance/comments/1r22uum/hsa_in_optum_is_charging_me_ridiculous_fees_and/", "signal_type": "question" }, { "topic_name": "Stupid Amount in HYSA", "source": "reddit", "region": "global", "score": 0.964, "url": "https://reddit.com/r/personalfinance/comments/1qqhcmg/stupid_amount_in_hysa/", "signal_type": "question" }, { "topic_name": "6.875% interest rate, extra principle, refi, invest?", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/personalfinance/comments/1r27izi/6875_interest_rate_extra_principle_refi_invest/", "signal_type": "question" }, { "topic_name": "What to do about cash savings", "source": "reddit", "region": "global", "score": 0.95, "url": "https://reddit.com/r/personalfinance/comments/1r2dcp1/what_to_do_about_cash_savings/", "signal_type": "question" }, { "topic_name": "Best and most reliable HYSA?", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/personalfinance/comments/1r1ezz9/best_and_most_reliable_hysa/", "signal_type": "question" }, { "topic_name": "Did I misread Capital One $1500 HYSA sign up offer?", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/personalfinance/comments/1qo5i0e/did_i_misread_capital_one_1500_hysa_sign_up_offer/", "signal_type": "question" }, { "topic_name": "Are HYSAs as easy as I think they are?", "source": "reddit", "region": "global", "score": 0.866, "url": "https://reddit.com/r/personalfinance/comments/1r0qoe0/are_hysas_as_easy_as_i_think_they_are/", "signal_type": "question" }, { "topic_name": "Investing into a HYSA", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/povertyfinance/comments/1r14fbg/investing_into_a_hysa/", "signal_type": "question" } ], "reddit_posts": [ { "title": "HSA in Optum is charging me ridiculous fees, and they suck. Optum Financial-> Fidelity? But forcing me to liquidate!.", "subreddit": "personalfinance", "num_comments": 79, "score": 0.994, "selftext": "HSA in Optum is charging me ridiculous fees, and they suck. Optum Financial-> Fidelity? But forcing me to liquidate!.\n\nOptum Financial is the biggest joke there is.\n\nI am in California.\n\nwas forced to use Optum thru my employer. They are quite idiotic when I ask them about the fees they charge (monthly + 'Service Record Keeping fees') and all of their staff really need to be fired.\n\nAnyway- I need to do a in-kind transfer, but Optum says their policy is to LIQUIDATE the entire portfolio (and ", "url": "https://reddit.com/r/personalfinance/comments/1r22uum/hsa_in_optum_is_charging_me_ridiculous_fees_and/" }, { "title": "Stupid Amount in HYSA", "subreddit": "personalfinance", "num_comments": 202, "score": 0.964, "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", "url": "https://reddit.com/r/personalfinance/comments/1qqhcmg/stupid_amount_in_hysa/" }, { "title": "6.875% interest rate, extra principle, refi, invest?", "subreddit": "personalfinance", "num_comments": 14, "score": 0.952, "selftext": "While saving to buy this house (july 25) we put our money into an HYSA and missed out on some huge stock gains from 21 -25, oh well, hindsight and all. But now that we are in and rates look like they are trending down im trying to figure out where to put the extra 2k or so a month we have. \n\nWe dont think we will stay in this house longer than 5 years. With that in mind would you:\n\nTry and refi now, we could afford to switch to a 15 year but will obviously have some costs added to the loan. Curr", "url": "https://reddit.com/r/personalfinance/comments/1r27izi/6875_interest_rate_extra_principle_refi_invest/" }, { "title": "What to do about cash savings", "subreddit": "personalfinance", "num_comments": 5, "score": 0.95, "selftext": "Half of my assets are in a HYSA with an APY that has ranged 3.35%-4% the last few years. Low 6 figures. \n\nI\u2019m realizing I could be getting better gains in the stock market. Obviously, that comes with risks that you don\u2019t have in a HYSA. \n\nShould I slowly transfer money into ETFs (say $10k a month until I\u2019ve maxed out what I\u2019m comfortable removing from savings) or all at once?", "url": "https://reddit.com/r/personalfinance/comments/1r2dcp1/what_to_do_about_cash_savings/" }, { "title": "Best and most reliable HYSA?", "subreddit": "personalfinance", "num_comments": 80, "score": 0.916, "selftext": "Basically what the title says, looking to move my savings out of USAA since they offer an insanely low APY. I\u2019ve had my eyes on AMEX since I already have a credit card with them and have had nothing but good experiences, any thoughts?\n\nEdit: I\u2019ll still have my checking with USAA so I\u2019m really looking for something that\u2019ll have seamless transfers to and from the banks with immediate access (or minimal delay) to funds", "url": "https://reddit.com/r/personalfinance/comments/1r1ezz9/best_and_most_reliable_hysa/" }, { "title": "Did I misread Capital One $1500 HYSA sign up offer?", "subreddit": "personalfinance", "num_comments": 104, "score": 0.908, "selftext": "I have a capital one credit and saw a link that said I was eligible to receive a $1500 bonus if I signed up for their HYSA, deposited $20k in funds with 15 or 21 days, and held it for an additional 45 or so days. However, I keep on seeing people posting that you need to deposit $100k to get the $1500. I\u2019m now thinking I misread the terms, unless I received some targeted offer. But after doing some searching on Reddit and other sites I cannot seem to find anyone else who got this offer. Didn\u2019t sc", "url": "https://reddit.com/r/personalfinance/comments/1qo5i0e/did_i_misread_capital_one_1500_hysa_sign_up_offer/" }, { "title": "Are HYSAs as easy as I think they are?", "subreddit": "personalfinance", "num_comments": 324, "score": 0.866, "selftext": "I had money sitting in a normal bank account for years and it made all of $.10 a month. I moved half of it to a HYSA and it made $1k in a year. It blew my mind how my money made money by just sitting there? But I\u2019m afraid I\u2019m missing something.\n\nMy folks have so much more money than I do. They asked me to help gather their tax documents and they received an interest form for insurance, where they made $27 for the year. I asked why they don\u2019t put it in a HYSA and they just didn\u2019t believe it was w", "url": "https://reddit.com/r/personalfinance/comments/1r0qoe0/are_hysas_as_easy_as_i_think_they_are/" }, { "title": "Investing into a HYSA", "subreddit": "povertyfinance", "num_comments": 5, "score": 0.846, "selftext": "", "url": "https://reddit.com/r/povertyfinance/comments/1r14fbg/investing_into_a_hysa/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 8, "cross_source_count": 1, "reddit_post_count": 8, "question_signal_count": 8, "has_question_signal": true }, { "cluster_id": 61, "topics": [ { "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\".", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/CreditCards/comments/1qd5y1j/psa_bilt_20_hidden_change_rentmortgage_payments/", "signal_type": "question" }, { "topic_name": "Bilt Palladium | ~3.33%+ on all spend | Capped at 75% of Rent", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/CreditCards/comments/1qcvpdw/bilt_palladium_333_on_all_spend_capped_at_75_of/", "signal_type": "question" }, { "topic_name": "BOFA CCR replaced BILT for rent", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/CreditCards/comments/1qz23az/bofa_ccr_replaced_bilt_for_rent/", "signal_type": "question" }, { "topic_name": "It Seems You Can Cash Out BILT Cash (Kind of)", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/CreditCards/comments/1qyz0or/it_seems_you_can_cash_out_bilt_cash_kind_of/", "signal_type": "question" }, { "topic_name": "The new rent card after Bilt 2.0?", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/CreditCards/comments/1qpf18y/the_new_rent_card_after_bilt_20/", "signal_type": "question" }, { "topic_name": "CONFIRMED - Hotel Credit Can Be Combined with BILT Cash!", "source": "reddit", "region": "global", "score": 0.8240000000000001, "url": "https://reddit.com/r/CreditCards/comments/1qjeu0g/confirmed_hotel_credit_can_be_combined_with_bilt/", "signal_type": "question" }, { "topic_name": "Why does Bilt want us to use their portal to pay rent?", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/CreditCards/comments/1qe30wv/why_does_bilt_want_us_to_use_their_portal_to_pay/", "signal_type": "question" }, { "topic_name": "Bilt 2.0 \u201cFee-Free\u201d Rent/Mortgage Payments", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/CreditCards/comments/1qcx7xw/bilt_20_feefree_rentmortgage_payments/", "signal_type": "question" } ], "reddit_posts": [ { "title": "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\".", "subreddit": "CreditCards", "num_comments": 103, "score": 0.976, "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", "url": "https://reddit.com/r/CreditCards/comments/1qd5y1j/psa_bilt_20_hidden_change_rentmortgage_payments/" }, { "title": "Bilt Palladium | ~3.33%+ on all spend | Capped at 75% of Rent", "subreddit": "CreditCards", "num_comments": 197, "score": 0.926, "selftext": "I know losing free points on rent sucks, but there's a chance that Bilt 2.0 may still work for some people. In fact, it already beats a lot of competition if you can make rent payments or mortgage with it.\n\nBilt Cash is **3:1** when used for rent payments, this sets the floor redemption value:\n\n* The Bilt Palladium is a **3.33% on everyday spending**, capped at 75% of rent/mortgage, not too shabby. \n\n* Obsidian is ~**4.33** on dining or grocery\n\n* Even the $0 AF card is **~2.33%** on spend.\n\n* B", "url": "https://reddit.com/r/CreditCards/comments/1qcvpdw/bilt_palladium_333_on_all_spend_capped_at_75_of/" }, { "title": "BOFA CCR replaced BILT for rent", "subreddit": "CreditCards", "num_comments": 63, "score": 0.878, "selftext": "Apparently BoA\u2019s includes \u201creal estate and manager - rentals\u201d as a travel category. If you rent and your landlord has a portal, you will likely get 3% back! Now most portals charge 3%, so you\u2019ll be able to float rent at the minimum. The current SUB offers 6% for one year, which gives you 3% back plus more (3.75% - 4.5% - 5.25% ) if you have $20k/$50k/$100k with BoA or Meril Edge.\n\nThe downside is $2,500 limit per quarter. However, you can apply for both the CCR and the Susan G. Komen CCR around ", "url": "https://reddit.com/r/CreditCards/comments/1qz23az/bofa_ccr_replaced_bilt_for_rent/" }, { "title": "It Seems You Can Cash Out BILT Cash (Kind of)", "subreddit": "CreditCards", "num_comments": 26, "score": 0.872, "selftext": "So, it is most likely not worth the effort, but there is a way to liquidate up to $120 of BILT cash annually via Walgreens. *This only applies to those physically in California*\n\n1. Use BILT cash for $10 Walgreens Gift Card\n2. Go to Walgreens and spend a dollar or less\n3. Request for the money left to be redeemed for cash\n\n-----\n\nEffective April 1, 2026 you can skip step 2 since the maximum cash out is now $14.99 & below. \n\n1. Use BILT cash for $10 Walgreens Gift Card\n2. Cash out Walgreens G", "url": "https://reddit.com/r/CreditCards/comments/1qyz0or/it_seems_you_can_cash_out_bilt_cash_kind_of/" }, { "title": "The new rent card after Bilt 2.0?", "subreddit": "CreditCards", "num_comments": 78, "score": 0.844, "selftext": "Anyone else looking for a new rent card after Bilt 2.0? There are a few debit cards that have 1% cash back, but is there anything better or are we out of luck now that Bilt 2.0 is here?", "url": "https://reddit.com/r/CreditCards/comments/1qpf18y/the_new_rent_card_after_bilt_20/" }, { "title": "CONFIRMED - Hotel Credit Can Be Combined with BILT Cash!", "subreddit": "CreditCards", "num_comments": 91, "score": 0.8240000000000001, "selftext": "According to the chat agent:\n\n\"You can combine your Bilt Travel Hotel Credit with Bilt Cash for eligible hotel bookings in the Bilt Travel Portal, as long as your stay is at least 2 nights. When you book, Bilt Cash will be applied first, and then your hotel credit will be used for the remaining amount.\"\n\nThis confirms the Palladium AF can be entirely offset with 2 $250 hotel bookings a year. Or if you keep Gold status, 2 $300 hotel bookings a year. 2 Night minimum still required.", "url": "https://reddit.com/r/CreditCards/comments/1qjeu0g/confirmed_hotel_credit_can_be_combined_with_bilt/" }, { "title": "Why does Bilt want us to use their portal to pay rent?", "subreddit": "CreditCards", "num_comments": 27, "score": 0.806, "selftext": "The original value prop of the Bilt card was clear, even if it didn't work out. The pitch Bilt made to banks was that by allowing people to pay rent on the credit card, people would miss payments and have to pay 26%+ interest on their entire rent. Obviously instead WF just subsidized everyone's rent for 3 years, but there was a coherent value pitch for Wells Fargo and for the user, with Bilt raking in money as the middleman.\n\nIn the new system you cannot use your Bilt card to pay rent. Everythin", "url": "https://reddit.com/r/CreditCards/comments/1qe30wv/why_does_bilt_want_us_to_use_their_portal_to_pay/" }, { "title": "Bilt 2.0 \u201cFee-Free\u201d Rent/Mortgage Payments", "subreddit": "CreditCards", "num_comments": 43, "score": 0.804, "selftext": "Can we all agree that 1) claiming Bilt Cash has any monetary value, and 2) having to redeem Bilt Cash to earn points on Rent/Mortgage, means that paying Rent/Mortgage is NOT \u201cwithout a transaction fee\u201d? A fee by any other name\u2026", "url": "https://reddit.com/r/CreditCards/comments/1qcx7xw/bilt_20_feefree_rentmortgage_payments/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 8, "cross_source_count": 1, "reddit_post_count": 8, "question_signal_count": 8, "has_question_signal": true }, { "cluster_id": 26, "topics": [ { "topic_name": "Final payment... $14.25 on a $96,200 loan. I'm literally shaking right now.", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/povertyfinance/comments/1qw4c1d/final_payment_1425_on_a_96200_loan_im_literally/", "signal_type": "question" }, { "topic_name": "What personal loan rate am I looking for?", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/povertyfinance/comments/1r2dntb/what_personal_loan_rate_am_i_looking_for/", "signal_type": "question" }, { "topic_name": "Personal loan question", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/personalfinance/comments/1r2c0fz/personal_loan_question/", "signal_type": "question" }, { "topic_name": "What\u2019s the refinance rate you can get now?", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/financialindependence/comments/1qpx254/whats_the_refinance_rate_you_can_get_now/", "signal_type": "question" }, { "topic_name": "Trying to Decide Between Refinancing My Mortgage or Waiting for Rates", "source": "reddit", "region": "global", "score": 0.912, "url": "https://reddit.com/r/personalfinance/comments/1r2977z/trying_to_decide_between_refinancing_my_mortgage/", "signal_type": "question" }, { "topic_name": "What\u2019s your rule for lending money to friends or family?", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/financialindependence/comments/1qndi6c/whats_your_rule_for_lending_money_to_friends_or/", "signal_type": "question" }, { "topic_name": "Is a HELOC a good idea?", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/personalfinance/comments/1r25awm/is_a_heloc_a_good_idea/", "signal_type": "question" }, { "topic_name": "ELI5. How does Japan borrow (bonds) from its own citizens ?", "source": "reddit", "region": "global", "score": 0.804, "url": "https://reddit.com/r/personalfinance/comments/1r29ib8/eli5_how_does_japan_borrow_bonds_from_its_own/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Final payment... $14.25 on a $96,200 loan. I'm literally shaking right now.", "subreddit": "povertyfinance", "num_comments": 140, "score": 0.972, "selftext": "", "url": "https://reddit.com/r/povertyfinance/comments/1qw4c1d/final_payment_1425_on_a_96200_loan_im_literally/" }, { "title": "What personal loan rate am I looking for?", "subreddit": "povertyfinance", "num_comments": 0, "score": 0.96, "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", "url": "https://reddit.com/r/povertyfinance/comments/1r2dntb/what_personal_loan_rate_am_i_looking_for/" }, { "title": "Personal loan question", "subreddit": "personalfinance", "num_comments": 12, "score": 0.938, "selftext": "Help me to know repercussions. I\u2019ve currently got a personal loan through company xyz (obviously it\u2019s an actual bank, but I\u2019m not naming names), and have just inquired about increasing the amount to consolidate credit card debt between my spouse and my credit cards. Company xyz won\u2019t directly pay credit balances from xyz or company abc, but these are the debts we are wanting to pay. They will directly deposit into our checking account for us to disperse, the company doesn\u2019t insist upon paying o", "url": "https://reddit.com/r/personalfinance/comments/1r2c0fz/personal_loan_question/" }, { "title": "What\u2019s the refinance rate you can get now?", "subreddit": "financialindependence", "num_comments": 0, "score": 0.914, "selftext": " I currently have 4.99% 10 year-fixed. Any shot of a no fee, no cost refinance at 4.5%? Can anyone recently refinanced share your rate?", "url": "https://reddit.com/r/financialindependence/comments/1qpx254/whats_the_refinance_rate_you_can_get_now/" }, { "title": "Trying to Decide Between Refinancing My Mortgage or Waiting for Rates", "subreddit": "personalfinance", "num_comments": 5, "score": 0.912, "selftext": "Hi everyone, I wanted to get some feedback on my mortgage refinance situation.\n\nI bought my home in Dec 2023 for $435k, putting 5% down, and currently have a 7.75% 30-year fixed mortgage. I have no PMI right now, and my monthly payment (including escrow, insurance, principal, interest, etc.) is about $3,515.\n\nI spoke with my lender about refinancing. Here\u2019s what they offered:\n\n30-Year Fixed Refinance:\n\nNew rate: 6.125%\n\nPMI: $125/month (required because my down payment is <20%)\n\nClosing costs", "url": "https://reddit.com/r/personalfinance/comments/1r2977z/trying_to_decide_between_refinancing_my_mortgage/" }, { "title": "What\u2019s your rule for lending money to friends or family?", "subreddit": "financialindependence", "num_comments": 244, "score": 0.9, "selftext": "I\u2019ve learned this can get complicated fast, so I try to be careful because you can it can lead to wrangles. For me, I don\u2019t lend beyond what I\u2019ve already budgeted for or can afford to lose without stress. It helps me avoid resentment and protect relationships.\n\nI\u2019m curious how others handle it like do you set clear limits, treat it like a gift, or avoid lending altogether?", "url": "https://reddit.com/r/financialindependence/comments/1qndi6c/whats_your_rule_for_lending_money_to_friends_or/" }, { "title": "Is a HELOC a good idea?", "subreddit": "personalfinance", "num_comments": 2, "score": 0.874, "selftext": "Hey y\u2019all! I\u2019m new at all this so please bare with me. I have about 15k in personal loan debt (thanks divorce) with APRs ranging from 14% to 22% (also have a vehicle loan that I owe 29k on with an 11% APR but I probably won\u2019t mess with that). I owe about 129k on my home and have estimated equity of about 131k. I currently have a 3.5% interest rate on my mortgage so I definitely don\u2019t want to mess that up. My credit score right now is around 671 (per Credit Karma). I\u2019d like to do something to pay", "url": "https://reddit.com/r/personalfinance/comments/1r25awm/is_a_heloc_a_good_idea/" }, { "title": "ELI5. How does Japan borrow (bonds) from its own citizens ?", "subreddit": "personalfinance", "num_comments": 14, "score": 0.804, "selftext": "I mean, does the country just issue debt within its market? ", "url": "https://reddit.com/r/personalfinance/comments/1r29ib8/eli5_how_does_japan_borrow_bonds_from_its_own/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 8, "cross_source_count": 1, "reddit_post_count": 8, "question_signal_count": 8, "has_question_signal": true }, { "cluster_id": 20, "topics": [ { "topic_name": "Looking for the best carry-on luggage that\u2019ll survive the chaos of travel!", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/BuyItForLife/comments/1r1fyna/looking_for_the_best_carryon_luggage_thatll/", "signal_type": "question" }, { "topic_name": "After 15+ years, my Swiss Gear Wenger backpack is still going strong", "source": "reddit", "region": "global", "score": 0.952, "url": "https://reddit.com/r/BuyItForLife/comments/1r11mh3/after_15_years_my_swiss_gear_wenger_backpack_is/", "signal_type": "question" }, { "topic_name": "Finally bit the Briggs and Riley bullet", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/BuyItForLife/comments/1r2cjkz/finally_bit_the_briggs_and_riley_bullet/", "signal_type": "question" }, { "topic_name": "2 years and 150+ flights with Marlondo's Executive Briefcase", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/BuyItForLife/comments/1qqpd91/2_years_and_150_flights_with_marlondos_executive/", "signal_type": "question" }, { "topic_name": "Looking for a totepack (backpack/tote bag hybrid) for work/every day and travel", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/BuyItForLife/comments/1r0wbgn/looking_for_a_totepack_backpacktote_bag_hybrid/", "signal_type": "question" }, { "topic_name": "21\" Travelpro Maxlite 5 softside - tapered and smaller than my old samsonite but fit the same stuff\u2026what am I missing?", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/BuyItForLife/comments/1r0zks7/21_travelpro_maxlite_5_softside_tapered_and/", "signal_type": "question" }, { "topic_name": "Commissioned someone to do me a leather briefcase better than Saddleback Leather\u2019s, and they did", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/BuyItForLife/comments/1qvqgud/commissioned_someone_to_do_me_a_leather_briefcase/", "signal_type": "question" }, { "topic_name": "This Will Leather Goods bag has been all over the world last 15 years and still going strong !", "source": "reddit", "region": "global", "score": 0.81, "url": "https://reddit.com/r/BuyItForLife/comments/1qyhy02/this_will_leather_goods_bag_has_been_all_over_the/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Looking for the best carry-on luggage that\u2019ll survive the chaos of travel!", "subreddit": "BuyItForLife", "num_comments": 76, "score": 0.96, "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 ", "url": "https://reddit.com/r/BuyItForLife/comments/1r1fyna/looking_for_the_best_carryon_luggage_thatll/" }, { "title": "After 15+ years, my Swiss Gear Wenger backpack is still going strong", "subreddit": "BuyItForLife", "num_comments": 35, "score": 0.952, "selftext": "I bought this Swiss Gear Wenger bag back in 2010, and it\u2019s been my daily carry ever since. Over 15+ years, it\u2019s been through all my travels, daily chaos, and everything in between, and it\u2019s still fully functional. I genuinely love this bag.\n\nJust came back from a trip and\u2026 yep, it\u2019s damn dirty \ud83d\ude05.\n\nNow I\u2019m thinking about getting a new one. Part of me wants to get the same bag again because I know it works perfectly, but I\u2019m also tempted to try something new.\n\nFor those who\u2019ve gone through this di", "url": "https://reddit.com/r/BuyItForLife/comments/1r11mh3/after_15_years_my_swiss_gear_wenger_backpack_is/" }, { "title": "Finally bit the Briggs and Riley bullet", "subreddit": "BuyItForLife", "num_comments": 10, "score": 0.944, "selftext": "After reading thousands of luggage posts and having Delta destroy my 3rd checked bag in 6 months, I found myself on a trip with the need to buy a bag to get back home. I went to Dillard\u2019s and actually talked them down about 20%. Here\u2019s to hoping Delta doesn\u2019t make me try out the lifetime warranty.", "url": "https://reddit.com/r/BuyItForLife/comments/1r2cjkz/finally_bit_the_briggs_and_riley_bullet/" }, { "title": "2 years and 150+ flights with Marlondo's Executive Briefcase", "subreddit": "BuyItForLife", "num_comments": 123, "score": 0.944, "selftext": "It's now been 2 years since I bought this executive briefcase from Marlondo Leather Company. I've taken it to work with me nearly every single weekday and brought it aboard over 150 planes as my personal item. This is the 16\" version in tobacco veg-tan.\n\nIt's been a worthy companion to me. It fits perfectly under the seat of every airplane I've brought it on from CRJs to 777s. The tightest fit is some aisle seats on 737-700, -800, and -900, but it's still fine if you position the top handle ", "url": "https://reddit.com/r/BuyItForLife/comments/1qqpd91/2_years_and_150_flights_with_marlondos_executive/" }, { "title": "Looking for a totepack (backpack/tote bag hybrid) for work/every day and travel", "subreddit": "BuyItForLife", "num_comments": 13, "score": 0.888, "selftext": "Basically, what it says in the title - I\u2019m looking for a bag that can be used both as a backpack and a tote bag. It should be big enough to hold a laptop, or at the very least an iPad, and I\u2019d like to be able to use it as carry on when backpacking (so I can carry it as a tote when I\u2019ve got my travel backpack on, and then a back pack during the day).\n\nIn terms of aesthetic I\u2019m leaning towards something plain black, but I can accessorize with pins and stuff like that. I want it to be \u2018professiona", "url": "https://reddit.com/r/BuyItForLife/comments/1r0wbgn/looking_for_a_totepack_backpacktote_bag_hybrid/" }, { "title": "21\" Travelpro Maxlite 5 softside - tapered and smaller than my old samsonite but fit the same stuff\u2026what am I missing?", "subreddit": "BuyItForLife", "num_comments": 5, "score": 0.868, "selftext": "Hello. Got the 21\" Maxlite 5 softside to replace an old Samsonite carryon. Did a quick test pack comparison, and I was surprised to fit everything from the samsonite into the smaller, tapered travelpro. The tp is 3 lbs lighter than the sam...very cool. I feel like I'm missing something in my comparison. Feels like there should be a 23\" maxlite that would provide much more room, or should I be looking elsewhere?", "url": "https://reddit.com/r/BuyItForLife/comments/1r0zks7/21_travelpro_maxlite_5_softside_tapered_and/" }, { "title": "Commissioned someone to do me a leather briefcase better than Saddleback Leather\u2019s, and they did", "subreddit": "BuyItForLife", "num_comments": 32, "score": 0.844, "selftext": "", "url": "https://reddit.com/r/BuyItForLife/comments/1qvqgud/commissioned_someone_to_do_me_a_leather_briefcase/" }, { "title": "This Will Leather Goods bag has been all over the world last 15 years and still going strong !", "subreddit": "BuyItForLife", "num_comments": 18, "score": 0.81, "selftext": "Went through 3 other brands that lasted couple years each until I popped for this one and it looks like it will last a lifetime. Lifetime warranty. When the spring in the clasp broke they were going to send me an entirely new bag, but only had the dark brown at that time. I opted for them to just send the clasp which I took to a local cobbler who swapped it out probono. Tipped him $20. ", "url": "https://reddit.com/r/BuyItForLife/comments/1qyhy02/this_will_leather_goods_bag_has_been_all_over_the/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 8, "cross_source_count": 1, "reddit_post_count": 8, "question_signal_count": 8, "has_question_signal": true }, { "cluster_id": 66, "topics": [ { "topic_name": "Can't decline scam calls\u2014possible dark pattern?", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/darkpatterns/comments/1k1h0zq/cant_decline_scam_callspossible_dark_pattern/", "signal_type": "question" }, { "topic_name": "[IN] Why is there a sudden surge of unknown calls on my number?", "source": "reddit", "region": "global", "score": 0.954, "url": "https://reddit.com/r/Scams/comments/1r214ps/in_why_is_there_a_sudden_surge_of_unknown_calls/", "signal_type": "question" }, { "topic_name": "Bereal asking me every second time to access my contacts on the phone", "source": "reddit", "region": "global", "score": 0.946, "url": "https://reddit.com/r/assholedesign/comments/1q7idhk/bereal_asking_me_every_second_time_to_access_my/", "signal_type": "question" }, { "topic_name": "FBI agent wants to talk to me", "source": "reddit", "region": "global", "score": 0.896, "url": "https://reddit.com/r/legaladvice/comments/1qq25gm/fbi_agent_wants_to_talk_to_me/", "signal_type": "question" }, { "topic_name": "The amount of spam calls and texts I receive in one day", "source": "reddit", "region": "global", "score": 0.848, "url": "https://reddit.com/r/Scams/comments/1r0mstt/the_amount_of_spam_calls_and_texts_i_receive_in/", "signal_type": "question" }, { "topic_name": "LPT: If you\u2019re an iPhone user, turn on \u201cAsk Reason For Calling\u201d in settings.", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/LifeProTips/comments/1qnjm0v/lpt_if_youre_an_iphone_user_turn_on_ask_reason/", "signal_type": "question" }, { "topic_name": "\u201cYou\u2019ve been approved for a loan of [$50,000-$70,000]\u201d - how do i get these degenerate scumbags to leave me alone.", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/Scams/comments/1qo22an/youve_been_approved_for_a_loan_of_5000070000_how/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Can't decline scam calls\u2014possible dark pattern?", "subreddit": "darkpatterns", "num_comments": 7, "score": 0.848, "selftext": "Today I received a call labeled \"potential spam\" via Wi-Fi calling on my Pixel Pro (fully updated). Oddly, while my phone was locked, I had no option to decline the call\u2014only answer. Curious (and annoyed), I called back afterward and confirmed it was clearly an AI-driven scam (fake police support).\n\nHere's what's troubling: When I checked settings, my Phone app notifications were completely disabled\u2014and locked. Critical toggles like \"Incoming calls,\" \"Missed calls,\" and \"Pop on screen\" were gray", "url": "https://reddit.com/r/darkpatterns/comments/1k1h0zq/cant_decline_scam_callspossible_dark_pattern/" }, { "title": "[IN] Why is there a sudden surge of unknown calls on my number?", "subreddit": "Scams", "num_comments": 8, "score": 0.954, "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", "url": "https://reddit.com/r/Scams/comments/1r214ps/in_why_is_there_a_sudden_surge_of_unknown_calls/" }, { "title": "Bereal asking me every second time to access my contacts on the phone", "subreddit": "assholedesign", "num_comments": 10, "score": 0.946, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1q7idhk/bereal_asking_me_every_second_time_to_access_my/" }, { "title": "FBI agent wants to talk to me", "subreddit": "LegalAdvice", "num_comments": 91, "score": 0.896, "selftext": "Yesterday I missed a phone call, thought it might be work related and they would leave a voicemail, there wasn\u2019t one left. Today the same number called while I was at work (my personal number does get given out at work) & I answered and it was an fbi agent looking to speak with me. said it \u201cwasn\u2019t pressing\u201d but he would really like to talk with me. I told him when I could probably be available and he said we could meet at my house, the office, or the police station, mentioned a police office", "url": "https://reddit.com/r/legaladvice/comments/1qq25gm/fbi_agent_wants_to_talk_to_me/" }, { "title": "The amount of spam calls and texts I receive in one day", "subreddit": "Scams", "num_comments": 4, "score": 0.848, "selftext": "For some context, I am on the do not call registry. However, these scam calls and texts got \"permission\" to call me, because a ~50 year old disabled women recently confused her TextNow number for my phone number, and signed up for a legitimate shit ton of spams online. Now I get nonstop scam calls. No idea how to even stop this many calls especially since my number is signed up to receive most of them. Also, all of those calls are scammed, even the named ones as they're just spoofing ", "url": "https://reddit.com/r/Scams/comments/1r0mstt/the_amount_of_spam_calls_and_texts_i_receive_in/" }, { "title": "LPT: If you\u2019re an iPhone user, turn on \u201cAsk Reason For Calling\u201d in settings.", "subreddit": "LifeProTips", "num_comments": 594, "score": 0.838, "selftext": "This feature saved my life by preventing me from having a mental breakdown due to the amount of spam calls I received daily.\n\nThanks to this feature, your phone doesn\u2019t ring when you get spam calls and instead the person calling is screened and has to state their name and purpose of calling and you can then take the call if you accept.\n\nHow-to:\n\nSettings > Apps > Phone > Screen Unknown Callers and you can select \"Ask Reason for Calling\"", "url": "https://reddit.com/r/LifeProTips/comments/1qnjm0v/lpt_if_youre_an_iphone_user_turn_on_ask_reason/" }, { "title": "\u201cYou\u2019ve been approved for a loan of [$50,000-$70,000]\u201d - how do i get these degenerate scumbags to leave me alone.", "subreddit": "Scams", "num_comments": 75, "score": 0.8200000000000001, "selftext": "I sent them to voicemail over and over and over. When that didn\u2019t work, I pressed 9 to be added to the do not call list more times than i can count. Ive picked up the phone & talked to an agent. Ive pretended to be a vulnerable elderly person to maybe trigger what tiny shred of their conscience is left. Ive told them to \\[redacted\\] themselves. I\u2019ve told them that I am literally making an actionable threat and encouraged them to call the FBI. And they still. Keep. Calling. How do i make it s", "url": "https://reddit.com/r/Scams/comments/1qo22an/youve_been_approved_for_a_loan_of_5000070000_how/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 7, "cross_source_count": 1, "reddit_post_count": 7, "question_signal_count": 7, "has_question_signal": true }, { "cluster_id": 12, "topics": [ { "topic_name": "Working in payroll is depressing", "source": "reddit", "region": "global", "score": 0.978, "url": "https://reddit.com/r/povertyfinance/comments/1qgt1ur/working_in_payroll_is_depressing/", "signal_type": "question" }, { "topic_name": "Paycheck", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/povertyfinance/comments/1qqhnc3/paycheck/", "signal_type": "question" }, { "topic_name": "Illinois salary exempt laws", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/legaladvice/comments/1r2acvz/illinois_salary_exempt_laws/", "signal_type": "question" }, { "topic_name": "I\u2019m having issues collecting my pay", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/askcarsales/comments/1qqooie/im_having_issues_collecting_my_pay/", "signal_type": "question" }, { "topic_name": "HR unlawfully deducted $2,400 from my paycheck and is refusing to fix it", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/legaladvice/comments/1qi91y6/hr_unlawfully_deducted_2400_from_my_paycheck_and/", "signal_type": "question" }, { "topic_name": "Is my employer allowed to change my pay after the work is already done", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/legaladvice/comments/1qwro0p/is_my_employer_allowed_to_change_my_pay_after_the/", "signal_type": "question" }, { "topic_name": "Job has been paying me incorrectly since May 2025. Spoke with payroll and will be receiving backpay. Things to keep in mind?", "source": "reddit", "region": "global", "score": 0.856, "url": "https://reddit.com/r/personalfinance/comments/1qbubhz/job_has_been_paying_me_incorrectly_since_may_2025/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Working in payroll is depressing", "subreddit": "povertyfinance", "num_comments": 302, "score": 0.978, "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", "url": "https://reddit.com/r/povertyfinance/comments/1qgt1ur/working_in_payroll_is_depressing/" }, { "title": "Paycheck", "subreddit": "povertyfinance", "num_comments": 348, "score": 0.908, "selftext": "i just really need help breaking these down! my employer is in the midst of multiple lawsuits over wages, and i just make sure everything is right, i can\u2019t live off of the amounts they are paying me. one week i made 930.53 they let me have 491 of that. this week i made 688 they let me have 355 of that. I also don\u2019t know what \u201cOlther pay\u201d is. thanks to everyone in advance!", "url": "https://reddit.com/r/povertyfinance/comments/1qqhnc3/paycheck/" }, { "title": "Illinois salary exempt laws", "subreddit": "LegalAdvice", "num_comments": 0, "score": 0.878, "selftext": "Location: illinois \n\nI live in central Illinois and am a salary exempt worker.\n\nMy title is assistant warehouse manager for a wholesale/route delivery company. My hours were stated as 4-10s when I took the roll and was given a list of daily tasks.\n\nWhen I took the position I was told I wouldn\u2019t cover routes and would only train people to deliver and do routes.\n\nMy job has mainly been delivering ever sense I took the position. Even tho that\u2019s not listed as one of my daily duties. \u201cUnless it\u2019s a n", "url": "https://reddit.com/r/legaladvice/comments/1r2acvz/illinois_salary_exempt_laws/" }, { "title": "I\u2019m having issues collecting my pay", "subreddit": "askcarsales", "num_comments": 16, "score": 0.872, "selftext": "The company I work for doesn\u2019t want to pay me money I am owed from last year. I get a monthly draw and based on the performance of the company each individual month, I am due commission based on a sliding scale. If the company doesn\u2019t surpass a certain minimum gross profit, I get no commission. For the months we pass that threshold, those commissions then get paid at the end of the year.\n\nWhen I asked for my check, I was informed that the company performed poorly 60-70 percent of the year and it", "url": "https://reddit.com/r/askcarsales/comments/1qqooie/im_having_issues_collecting_my_pay/" }, { "title": "HR unlawfully deducted $2,400 from my paycheck and is refusing to fix it", "subreddit": "LegalAdvice", "num_comments": 94, "score": 0.868, "selftext": "Location: San Diego, CA\n\nFor context, I am an RN and I work 12 hour shifts at a hospital.\n\nIn November, I was notified that there were discrepancies in my time card and that I was receiving 0.5hr of incidental overtime for 63 shifts. This is because I hadn\u2019t realized that I was supposed to clock out for my unpaid 30min lunches (it is a different timekeeping system than any hospital I have ever worked at). I admitted the mistake to my direct manager and agreed to fix it. \n\nIn December I met with ", "url": "https://reddit.com/r/legaladvice/comments/1qi91y6/hr_unlawfully_deducted_2400_from_my_paycheck_and/" }, { "title": "Is my employer allowed to change my pay after the work is already done", "subreddit": "LegalAdvice", "num_comments": 34, "score": 0.858, "selftext": "Location: New York \nI\u2019m trying to figure out if this is actually legal or just shady and I don\u2019t know where to start.\n\nI work hourly and my schedule sometimes changes week to week. Last pay period I picked up extra hours because we were short staffed. Nothing crazy, just staying late a few days. At the time I was told those hours would be paid at my normal rate.\n\nI checked my paycheck this week while I was sitting around playing on myprize and noticed the total was lower than I expected. I went", "url": "https://reddit.com/r/legaladvice/comments/1qwro0p/is_my_employer_allowed_to_change_my_pay_after_the/" }, { "title": "Job has been paying me incorrectly since May 2025. Spoke with payroll and will be receiving backpay. Things to keep in mind?", "subreddit": "personalfinance", "num_comments": 27, "score": 0.856, "selftext": "I started a new job in May of 2025 with an annual salary of $103,000. My checks should have been coming out to a gross pay of $3,961 and instead I've been receiving $3,169. We caught this over the weekend when my husband and I were reviewing our finances for the year. I spoke with payroll this morning and she confirmed the error. Their best guess is human error caused the numbers to get transposed. She said she would be sending me a breakdown of everything I'm owed by the end of the day. Tomorro", "url": "https://reddit.com/r/personalfinance/comments/1qbubhz/job_has_been_paying_me_incorrectly_since_may_2025/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 7, "cross_source_count": 1, "reddit_post_count": 7, "question_signal_count": 7, "has_question_signal": true }, { "cluster_id": 71, "topics": [ { "topic_name": "CHASE UNITED CARD - From Explorer to Quest Cars", "source": "reddit", "region": "global", "score": 0.966, "url": "https://reddit.com/r/CreditCards/comments/1r2dh91/chase_united_card_from_explorer_to_quest_cars/", "signal_type": "question" }, { "topic_name": "Disney Visa cards - Help me choose", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/CreditCards/comments/1r2521a/disney_visa_cards_help_me_choose/", "signal_type": "question" }, { "topic_name": "Citi app sucks compared to Chase", "source": "reddit", "region": "global", "score": 0.882, "url": "https://reddit.com/r/CreditCards/comments/1qikkf6/citi_app_sucks_compared_to_chase/", "signal_type": "question" }, { "topic_name": "Looking for Travel Card Recs", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/CreditCards/comments/1r1ytzw/looking_for_travel_card_recs/", "signal_type": "question" }, { "topic_name": "Fidelity/Elan just added differentiating card numbers and more for authorized users.", "source": "reddit", "region": "global", "score": 0.862, "url": "https://reddit.com/r/CreditCards/comments/1qu6ac6/fidelityelan_just_added_differentiating_card/", "signal_type": "question" }, { "topic_name": "I honestly don't get it. Please help me understand.", "source": "reddit", "region": "global", "score": 0.8220000000000001, "url": "https://reddit.com/r/CreditCards/comments/1qmza0v/i_honestly_dont_get_it_please_help_me_understand/", "signal_type": "question" }, { "topic_name": "Citi / AAdvantage Platinum Select World Elite MasterCard \u2013 80,000 Miles With $1,000 Spend", "source": "reddit", "region": "global", "score": 0.8160000000000001, "url": "https://reddit.com/r/CreditCards/comments/1qgcors/citi_aadvantage_platinum_select_world_elite/", "signal_type": "question" } ], "reddit_posts": [ { "title": "CHASE UNITED CARD - From Explorer to Quest Cars", "subreddit": "CreditCards", "num_comments": 1, "score": 0.966, "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", "url": "https://reddit.com/r/CreditCards/comments/1r2dh91/chase_united_card_from_explorer_to_quest_cars/" }, { "title": "Disney Visa cards - Help me choose", "subreddit": "CreditCards", "num_comments": 6, "score": 0.91, "selftext": "Please check my math here. Yes I am aware other cards have better value.\n\nI am trying to get a Disney card before our upcoming Treasure cruise for a week. Cruise is already booked using Chase Sapphire Reserve. The goal of getting this card is purely to maximize onboard credits and cashback using SUB promotion. We have excellent credit, pay off our balances in full every month, and have no plans to rack up debt. We have no plans to go to WDW, Disneyland, don't care about Hulu/Disney+ credits etc.", "url": "https://reddit.com/r/CreditCards/comments/1r2521a/disney_visa_cards_help_me_choose/" }, { "title": "Citi app sucks compared to Chase", "subreddit": "CreditCards", "num_comments": 85, "score": 0.882, "selftext": "Rant Coming-\n\nCiti app sucks compared to Chase and this makes me not want any of their credit cards. Chase shows how many points each transaction has earned and shows how many points are pending. Citi waits for the statement to cut to show how many points have been earned but just a total amount and does not show how many each transaction has earned. They need to be more transparent regarding points earned", "url": "https://reddit.com/r/CreditCards/comments/1qikkf6/citi_app_sucks_compared_to_chase/" }, { "title": "Looking for Travel Card Recs", "subreddit": "CreditCards", "num_comments": 5, "score": 0.878, "selftext": "CREDIT PROFILE\n\n \n\n\\* Current credit cards you are the primary account holder of:\n\n \\* Discover it, $4,000, 11/2022\n\n \\* Chase Freedom Unlimited, $13,500, 5/2024\n\n \\* Chase Sapphire Preferred, $25,800, 10/2024\n\n \\* Chase Freedom Flex, $20,000, 1/2026\n\n\\* FICO scores with source: Experian 781, Transunion 782, Equifax 788\n\n\\* Oldest credit card account age: 3, 4 later this year\n\n\\* Cards approved in the past 6 months: 1\n\n\\* Cards approved in the past 12 months: 1\n\n\\* Cards approved in the", "url": "https://reddit.com/r/CreditCards/comments/1r1ytzw/looking_for_travel_card_recs/" }, { "title": "Fidelity/Elan just added differentiating card numbers and more for authorized users.", "subreddit": "CreditCards", "num_comments": 4, "score": 0.862, "selftext": "[https://www.fidelity.com/spend-save/help-center/credit-card/authorized-users](https://www.fidelity.com/spend-save/help-center/credit-card/authorized-users)\n\nPrimary and authorized users will now have different card numbers allowing for activity tracking, spending limits, card level controls and more.", "url": "https://reddit.com/r/CreditCards/comments/1qu6ac6/fidelityelan_just_added_differentiating_card/" }, { "title": "I honestly don't get it. Please help me understand.", "subreddit": "CreditCards", "num_comments": 54, "score": 0.8220000000000001, "selftext": "I'm about a year into the whole credit card game, so I haven't fully jumped into any particular ecosystem. I can't, however, wrap my head around why Chase is regarded as one of the best (if not the top) points systems out there. As I understand it, they have no dedicated gas/EV redemption, two of their major cards have the same online grocery (I shop in person) and drug store points, and their rotating categories make me scratch my head. I think their 4Q2025 categories included Old Navy (or G", "url": "https://reddit.com/r/CreditCards/comments/1qmza0v/i_honestly_dont_get_it_please_help_me_understand/" }, { "title": "Citi / AAdvantage Platinum Select World Elite MasterCard \u2013 80,000 Miles With $1,000 Spend", "subreddit": "CreditCards", "num_comments": 44, "score": 0.8160000000000001, "selftext": "Inflight offer valid until March 2026 - I used code 000000\n\n[https://www.citi.com/credit-cards/inflight-info](https://www.citi.com/credit-cards/inflight-info)\n\n**Approved CL - $12,400**\n\n**FICO score - 790**\n\nI mainly applied for this card since I live close to an AA hub and usually check-in bags when traveling. The earlier boarding helps as well. The first year has the annual fee waived off as well.\n\nThe earning structure is not great, so this will mostly be a sock drawer card unless it's for s", "url": "https://reddit.com/r/CreditCards/comments/1qgcors/citi_aadvantage_platinum_select_world_elite/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 7, "cross_source_count": 1, "reddit_post_count": 7, "question_signal_count": 7, "has_question_signal": true }, { "cluster_id": 1, "topics": [ { "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?", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/Frugal/comments/1qih2or/is_it_cheaper_to_lower_the_thermostat_when_im/", "signal_type": "question" }, { "topic_name": "Does keeping your appt. cold drive up neighbor\u2019s energy bills?", "source": "reddit", "region": "global", "score": 0.9299999999999999, "url": "https://reddit.com/r/Frugal/comments/1qg00q2/does_keeping_your_appt_cold_drive_up_neighbors/", "signal_type": "question" }, { "topic_name": "No Heat in Minnesota Winter for 2 weeks, pipes burst, I moved out and now my landlord is coming after me for the remainder of my lease balance.", "source": "reddit", "region": "global", "score": 0.89, "url": "https://reddit.com/r/legaladvice/comments/1qv29tc/no_heat_in_minnesota_winter_for_2_weeks_pipes/", "signal_type": "question" }, { "topic_name": "Space heater vs central heating for basement, which is cheaper?", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/Frugal/comments/1qxnnlu/space_heater_vs_central_heating_for_basement/", "signal_type": "question" }, { "topic_name": "Power bill keeps going up\u2014will lowering thermostat from 63 to 60F make a significant difference?", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/Frugal/comments/1qhrrlx/power_bill_keeps_going_upwill_lowering_thermostat/", "signal_type": "question" }, { "topic_name": "Heated Blankets are a Home Heating Game Changer", "source": "reddit", "region": "global", "score": 0.844, "url": "https://reddit.com/r/Frugal/comments/1qucupf/heated_blankets_are_a_home_heating_game_changer/", "signal_type": "question" }, { "topic_name": "Electric space heater vs. turning gas central air heater up", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/Frugal/comments/1qug7lg/electric_space_heater_vs_turning_gas_central_air/", "signal_type": "question" } ], "reddit_posts": [ { "title": "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?", "subreddit": "Frugal", "num_comments": 200, "score": 0.956, "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?", "url": "https://reddit.com/r/Frugal/comments/1qih2or/is_it_cheaper_to_lower_the_thermostat_when_im/" }, { "title": "Does keeping your appt. cold drive up neighbor\u2019s energy bills?", "subreddit": "Frugal", "num_comments": 111, "score": 0.9299999999999999, "selftext": "For a while, I kept my heating off, which kept the appt. around 63*F (when outside is around 30-45 degrees). I live on the second floor out of three, with an apartment beside me. Then, it occurred to me that my neighbors might be paying to heat my place, lol, so I walked it back and started heating the place at around 67 degrees.\n\nMy partner claims I\u2019m overthinking it (as I do with a lot of things), so I\u2019m double checking here. I personally would be very fine with keeping the place chilly and bu", "url": "https://reddit.com/r/Frugal/comments/1qg00q2/does_keeping_your_appt_cold_drive_up_neighbors/" }, { "title": "No Heat in Minnesota Winter for 2 weeks, pipes burst, I moved out and now my landlord is coming after me for the remainder of my lease balance.", "subreddit": "LegalAdvice", "num_comments": 46, "score": 0.89, "selftext": "Location: Minneapols, MN, USA\n\nHello all,\n\nI need advice. I live in Minneapolis, MN and rented from an independent landlord. On 1/14/2026, when it was approximately -20\u00b0F here in MN, the heat went out for my entire 18 unit building. No temp heat was provided to anyone.\n\nI reported this to the landlord over text, email and calls every day until he accused me of harassing him and \"ratting him out the the city\" and called me a \"crazy bitch\".\n\nI did indeed report this to the city on 1/20, as did sev", "url": "https://reddit.com/r/legaladvice/comments/1qv29tc/no_heat_in_minnesota_winter_for_2_weeks_pipes/" }, { "title": "Space heater vs central heating for basement, which is cheaper?", "subreddit": "Frugal", "num_comments": 13, "score": 0.884, "selftext": "Our home has a finished basement which we don't use that often. We really only use one room frequently down there. The house is well insulated and so is the basement. I have a heat pump with gas back up. \n\nI keep the basement temperature set at 60 and it hardly ever heats down there, however it is chilly to be down there. The temp needs to be about 68-70 to actually feel comfortable. Would it be cheaper to run a space heater while we are using the room, or just turn the heat up?\n\nOur electric bi", "url": "https://reddit.com/r/Frugal/comments/1qxnnlu/space_heater_vs_central_heating_for_basement/" }, { "title": "Power bill keeps going up\u2014will lowering thermostat from 63 to 60F make a significant difference?", "subreddit": "Frugal", "num_comments": 191, "score": 0.846, "selftext": "Electricity rates have increased (FU data centers, you AHs) \u2014 but my income has not. Trying to keep my electric bill as low as possible, at least close to last year\u2019s. I don\u2019t mind bundling up + blankets inside, and I have dogs that are more than happy to pull their load. Will I notice a significant difference lowering my thermostat like this? (2100 ft sq, house built in 2020, great quality builder, unused rooms doors kept closed)\n\nEDIT\u2014 I am overwhelmed", "url": "https://reddit.com/r/Frugal/comments/1qhrrlx/power_bill_keeps_going_upwill_lowering_thermostat/" }, { "title": "Heated Blankets are a Home Heating Game Changer", "subreddit": "Frugal", "num_comments": 294, "score": 0.844, "selftext": "I don\u2019t know how I waited so long to get one! I have turned down my heat more than 5 degrees and I\u2019m still warm and cozy on the couch or in bed and when I\u2019m walking around doing chores the colder temp doesn\u2019t bother me. I got my first utility bill after switching and the blanket has already paid for itself twice over. \n\nDon\u2019t sleep (pun intended) or the \u201cwarm yourself not the room\u201d hype. It\u2019s real. It works. My toes are so happy and I\u2019m getting my mom one for Mother\u2019s Day. All the wool sweaters", "url": "https://reddit.com/r/Frugal/comments/1qucupf/heated_blankets_are_a_home_heating_game_changer/" }, { "title": "Electric space heater vs. turning gas central air heater up", "subreddit": "Frugal", "num_comments": 14, "score": 0.806, "selftext": "I live in a small 3 bedroom house, with one badroom in the basement. We leave the thermostat at 70F and the upstairs is fine with that during the winter, but the basement only gets up to 64F with that set up. \n\nWould running a 1500W space heater in the basement bedroom to bring it up to at least 68F 8 hours a day (it doesn't need to be on constantly to keep that temperature, maybe 50-60% of the time) be more or less expensive than turning the thermostat up another 4 degrees to 74F to try and get", "url": "https://reddit.com/r/Frugal/comments/1qug7lg/electric_space_heater_vs_turning_gas_central_air/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 7, "cross_source_count": 1, "reddit_post_count": 7, "question_signal_count": 7, "has_question_signal": true }, { "cluster_id": 47, "topics": [ { "topic_name": "LPT Request. What\u2019s your simplest top tip for saving money monthly?", "source": "reddit", "region": "global", "score": 0.954, "url": "https://reddit.com/r/LifeProTips/comments/1qxn8mm/lpt_request_whats_your_simplest_top_tip_for/", "signal_type": "question" }, { "topic_name": "Advice-Starting from $0, first time able to save ever", "source": "reddit", "region": "global", "score": 0.94, "url": "https://reddit.com/r/povertyfinance/comments/1r21bp1/advicestarting_from_0_first_time_able_to_save_ever/", "signal_type": "question" }, { "topic_name": "What are the steps to managing your own finance?", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/personalfinance/comments/1r2b3jg/what_are_the_steps_to_managing_your_own_finance/", "signal_type": "question" }, { "topic_name": "B.Com student in Bangalore + CFA Level 1 prep how to network in finance & get referrals?", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/povertyfinance/comments/1r218ci/bcom_student_in_bangalore_cfa_level_1_prep_how_to/", "signal_type": "question" }, { "topic_name": "I need to save 3k in 3 months, give me all your tips please!", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/Frugal/comments/1qo5u1u/i_need_to_save_3k_in_3_months_give_me_all_your/", "signal_type": "question" }, { "topic_name": "What should I be prioritizing?", "source": "reddit", "region": "global", "score": 0.86, "url": "https://reddit.com/r/personalfinance/comments/1r24d77/what_should_i_be_prioritizing/", "signal_type": "question" }, { "topic_name": "22 | Just started earning | Planning aggressive SIPs for 15-20+ year horizon", "source": "reddit", "region": "global", "score": 0.812, "url": "https://reddit.com/r/personalfinance/comments/1r1y5lc/22_just_started_earning_planning_aggressive_sips/", "signal_type": "question" } ], "reddit_posts": [ { "title": "LPT Request. What\u2019s your simplest top tip for saving money monthly?", "subreddit": "LifeProTips", "num_comments": 481, "score": 0.954, "selftext": "", "url": "https://reddit.com/r/LifeProTips/comments/1qxn8mm/lpt_request_whats_your_simplest_top_tip_for/" }, { "title": "Advice-Starting from $0, first time able to save ever", "subreddit": "povertyfinance", "num_comments": 16, "score": 0.94, "selftext": "hi all\n\nI'm hopeful in a month if I can limit all my spending this month, that I'll be able to start being ahead of everything and can start saving. \n\nwhat are some good ways for someone to invest their money? I do not have established credit, and don't have a bank account. I use dailypay (which is able to be used LIKE a bank) and plan on trying to get off that as soon as possible. I will open a bank account once I have a little bit of money saved.\n\nI'm 27 and feel like I will never get to go sh", "url": "https://reddit.com/r/povertyfinance/comments/1r21bp1/advicestarting_from_0_first_time_able_to_save_ever/" }, { "title": "What are the steps to managing your own finance?", "subreddit": "personalfinance", "num_comments": 5, "score": 0.924, "selftext": "I\u2019m f 18 student living at home, wanting to get into managing my own money and accounts. But I don\u2019t know where to start or how anything works. Where could I learn the basics that are required?\n\nUnfortunately, asking my family is not an option.", "url": "https://reddit.com/r/personalfinance/comments/1r2b3jg/what_are_the_steps_to_managing_your_own_finance/" }, { "title": "B.Com student in Bangalore + CFA Level 1 prep how to network in finance & get referrals?", "subreddit": "povertyfinance", "num_comments": 1, "score": 0.91, "selftext": "Hi everyone! I\u2019m an 18-year-old B.Com student from Bangalore, currently preparing for CFA Level 1 alongside college.\n\nI\u2019m really interested in building a career in finance (investment, equity research, corporate finance, etc.) and I keep hearing that networking + referrals play a huge role in landing good internships and jobs.\n\nFor those already in finance or who cleared CFA levels:\n\n\u2022 How did you start networking as a student?\n\n\u2022 Where did I meet professionals \n\n\u2022 How do you politely ask for re", "url": "https://reddit.com/r/povertyfinance/comments/1r218ci/bcom_student_in_bangalore_cfa_level_1_prep_how_to/" }, { "title": "I need to save 3k in 3 months, give me all your tips please!", "subreddit": "Frugal", "num_comments": 179, "score": 0.9, "selftext": "Like the title says I need to save $3,000 in 3 months for a surgery (love American healthcare). I make about $3,400 a month, $1,500 goes to bills and another $200 on student loans. I live in a big city so everything feels expensive and I feel like i spend min. $20 whenever I step outside. I don\u2019t have a great savings (I know I suck) as I\u2019m not really great with money as I just spend it all :/ Please help me with any tips or advise I would greatly appreciate it! ", "url": "https://reddit.com/r/Frugal/comments/1qo5u1u/i_need_to_save_3k_in_3_months_give_me_all_your/" }, { "title": "What should I be prioritizing?", "subreddit": "personalfinance", "num_comments": 4, "score": 0.86, "selftext": "Hi All! Just looking for some advice on what I (25F) should be prioritizing financially based on my current standings and future plans, because I truly have NO idea which area(s) I am doing well in and which ones I could do better in. The main thing that really throws a wrench into everything is that I plan on attending PA school in about 12-18 months, where I probably won't be able to work at all for at least 2 years. I have at least $1k a month that I can afford to put towards something until ", "url": "https://reddit.com/r/personalfinance/comments/1r24d77/what_should_i_be_prioritizing/" }, { "title": "22 | Just started earning | Planning aggressive SIPs for 15-20+ year horizon", "subreddit": "personalfinance", "num_comments": 1, "score": 0.812, "selftext": "\u200bHi everyone,\n\n\u200bI am 22 years old and have recently started my first job. I am looking to start my investment journey via SIPs immediately.\n\n\u200bMy Profile:\n\u200bAge: 22M \nLocation: India\n\u200bRisk Appetite: High (Given my age and long investment horizon).\n\u200bInvestment Horizon: 15-20+ years. I do not intend to touch this corpus in the short or medium term.\n\u200bGoal: Long-term wealth creation / Financial Independence.\n\u200bCurrent Plan:\nI am looking to build an aggressive equity portfolio since I have time on my si", "url": "https://reddit.com/r/personalfinance/comments/1r1y5lc/22_just_started_earning_planning_aggressive_sips/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 7, "cross_source_count": 1, "reddit_post_count": 7, "question_signal_count": 7, "has_question_signal": true }, { "cluster_id": 2, "topics": [ { "topic_name": "LPT: Save your old phones for international travel.", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/LifeProTips/comments/1r20c5b/lpt_save_your_old_phones_for_international_travel/", "signal_type": "question" }, { "topic_name": "LPT To disable biometric data on your Iphone so police can\u2019t get into it hold down the power and volume buttons simultaneously for 2 seconds", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/LifeProTips/comments/1qeufi3/lpt_to_disable_biometric_data_on_your_iphone_so/", "signal_type": "question" }, { "topic_name": "LPT - Getting your amateur radio (ham radio) operator license is cheap, and the radio doesn't rely on internet or cell towers", "source": "reddit", "region": "global", "score": 0.922, "url": "https://reddit.com/r/LifeProTips/comments/1qeqfsz/lpt_getting_your_amateur_radio_ham_radio_operator/", "signal_type": "question" }, { "topic_name": "LPT: Your iPhone screen can get half as bright as the lowest brightness setting.", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/LifeProTips/comments/1qbd3xg/lpt_your_iphone_screen_can_get_half_as_bright_as/", "signal_type": "question" }, { "topic_name": "LPT- When cancelling cable/phone services tell them you're leaving the country.", "source": "reddit", "region": "global", "score": 0.884, "url": "https://reddit.com/r/LifeProTips/comments/1qrtnxx/lpt_when_cancelling_cablephone_services_tell_them/", "signal_type": "question" }, { "topic_name": "LPT Get a port out pin from your big wireless carrier and they'll instantly give you a discount for fear of leaving them.", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/LifeProTips/comments/1qpw8le/lpt_get_a_port_out_pin_from_your_big_wireless/", "signal_type": "question" } ], "reddit_posts": [ { "title": "LPT: Save your old phones for international travel.", "subreddit": "LifeProTips", "num_comments": 137, "score": 0.998, "selftext": "In some countries, there is always some risk of having anything stolen from you - pickpocketing, walk/bike-by snatch, etc. I\u2019ve had my phone stolen twice, once each by those methods when I was a teenager and naive to the world of common sense. I would recommend that either you only take your old phone on trips so that if it\u2019s stolen, you have your main one at home waiting for you. Or perhaps bring both and keep your main phone locked in the safe with your other valuables like passport. Obviously", "url": "https://reddit.com/r/LifeProTips/comments/1r20c5b/lpt_save_your_old_phones_for_international_travel/" }, { "title": "LPT To disable biometric data on your Iphone so police can\u2019t get into it hold down the power and volume buttons simultaneously for 2 seconds", "subreddit": "LifeProTips", "num_comments": 470, "score": 0.974, "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", "url": "https://reddit.com/r/LifeProTips/comments/1qeufi3/lpt_to_disable_biometric_data_on_your_iphone_so/" }, { "title": "LPT - Getting your amateur radio (ham radio) operator license is cheap, and the radio doesn't rely on internet or cell towers", "subreddit": "LifeProTips", "num_comments": 220, "score": 0.922, "selftext": "With more and more threats to every day freedoms, and as shown in Iran blacking out the internet, or with outages like Verizon (USA), Rogers (Canada), taking out entire networks across nations, we need alternate means of contact across 100s of miles. \n\nHam radios require a relatively easy to get license to operate, and the radios themselves can be picked up on Amazon for as low as $50. ", "url": "https://reddit.com/r/LifeProTips/comments/1qeqfsz/lpt_getting_your_amateur_radio_ham_radio_operator/" }, { "title": "LPT: Your iPhone screen can get half as bright as the lowest brightness setting.", "subreddit": "LifeProTips", "num_comments": 338, "score": 0.91, "selftext": "Settings \u2014> Accessibility \u2014> Display & Text Size \u2014> Reduce White Point.\n\nIt\u2019s great for headaches or movie theaters.\n\nEdit: You shouldn\u2019t use your phone in theaters. But if you\u2019re going to anyway, this setting will make everyone hate you slightly less.", "url": "https://reddit.com/r/LifeProTips/comments/1qbd3xg/lpt_your_iphone_screen_can_get_half_as_bright_as/" }, { "title": "LPT- When cancelling cable/phone services tell them you're leaving the country.", "subreddit": "LifeProTips", "num_comments": 100, "score": 0.884, "selftext": "I cancelled AT&T recently. These companies typically require you to call them when cancelling. Then they proceed with multiple \"promotional\" offers, call transfers, etc... \n\nSolution: When you get someone on the phone just tell them you need to cancel and that you're leaving the country. Bonus: They may try to transfer service to the new owner of your home. Simply tell them it was an anonymous buyer. This will save you so much time. Took me 5 minutes. ", "url": "https://reddit.com/r/LifeProTips/comments/1qrtnxx/lpt_when_cancelling_cablephone_services_tell_them/" }, { "title": "LPT Get a port out pin from your big wireless carrier and they'll instantly give you a discount for fear of leaving them.", "subreddit": "LifeProTips", "num_comments": 260, "score": 0.864, "selftext": "I went to change cell phone carriers from Verizon to another company today. If you want to keep your existing phone number, you have to login to your account, go to security, and click \"request port out PIN number\". You need to give this PIN number to your new carrier in order for the phone number to be moved over.\n\nThe only reason anyone would ever request this PIN is to change cell phone carriers. Thus, as soon as I asked for the code I got an email saying \"Thanks for being a loyal customer. H", "url": "https://reddit.com/r/LifeProTips/comments/1qpw8le/lpt_get_a_port_out_pin_from_your_big_wireless/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 6, "cross_source_count": 1, "reddit_post_count": 6, "question_signal_count": 6, "has_question_signal": true }, { "cluster_id": 52, "topics": [ { "topic_name": "HSA confusion with taxes and reporting", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/personalfinance/comments/1r2bosc/hsa_confusion_with_taxes_and_reporting/", "signal_type": "question" }, { "topic_name": "LPT: HSA's are basically retirement accounts in disguise", "source": "reddit", "region": "global", "score": 0.948, "url": "https://reddit.com/r/LifeProTips/comments/1qj8hjt/lpt_hsas_are_basically_retirement_accounts_in/", "signal_type": "question" }, { "topic_name": "HSA is more special than Trad IRA or Roth. I am using mine as retirement savings", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/personalfinance/comments/1qsy0jh/hsa_is_more_special_than_trad_ira_or_roth_i_am/", "signal_type": "question" }, { "topic_name": "What to do with limited investment vehicles through employer?", "source": "reddit", "region": "global", "score": 0.846, "url": "https://reddit.com/r/personalfinance/comments/1r23cgs/what_to_do_with_limited_investment_vehicles/", "signal_type": "question" }, { "topic_name": "Roth IRA vs HYSA, and how do I balance those with other necessary spending?", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/personalfinance/comments/1r2394m/roth_ira_vs_hysa_and_how_do_i_balance_those_with/", "signal_type": "question" }, { "topic_name": "HSA triple tax advantage - am I missing something?", "source": "reddit", "region": "global", "score": 0.838, "url": "https://reddit.com/r/financialindependence/comments/1qepri5/hsa_triple_tax_advantage_am_i_missing_something/", "signal_type": "question" } ], "reddit_posts": [ { "title": "HSA confusion with taxes and reporting", "subreddit": "personalfinance", "num_comments": 5, "score": 0.988, "selftext": "Hi!\n\nMy workplace contributes to my HSA every pay period when I have a HDHP. I finally swapped over to the HDHP starting January 1st, this year.\n\nMy December 23rd paycheck shows a contribution, but it didn't show up in my account until January 10th (my next paycheck). It also means my W2 for 2025 shows a HSA contribution, but I didn't have a HDHP.\n\n \nI feel like this is incorrect? I want to file my taxes but I'm worried that I'll get in trouble for employer HSA contributions that A) were on a 2", "url": "https://reddit.com/r/personalfinance/comments/1r2bosc/hsa_confusion_with_taxes_and_reporting/" }, { "title": "LPT: HSA's are basically retirement accounts in disguise", "subreddit": "LifeProTips", "num_comments": 567, "score": 0.948, "selftext": "If you're eligible to contribute to a HSA, DO IT. The funds are usually investable (your plan may have a minimum balance required to stay in cash), and after age 65, you can withdraw for non-medical purposes. ", "url": "https://reddit.com/r/LifeProTips/comments/1qj8hjt/lpt_hsas_are_basically_retirement_accounts_in/" }, { "title": "HSA is more special than Trad IRA or Roth. I am using mine as retirement savings", "subreddit": "personalfinance", "num_comments": 241, "score": 0.892, "selftext": "I only fund my 401k the minimum amount needed to get the full company match, and then every other dollar goes to maxxing out my HSA (if I can afford it).\n\nUnlike the trad or roth, the HSA is both tax deductible going in and tax free coming out when used for qualified medical expense. Double tax free.\n\nThe catch is that my HSA allows investing into mutual funds. Some HSAs at banks only allow passbook savings. I have a goal of 50k in the HSA by the time I'm 65, and then pull the money out tax free", "url": "https://reddit.com/r/personalfinance/comments/1qsy0jh/hsa_is_more_special_than_trad_ira_or_roth_i_am/" }, { "title": "What to do with limited investment vehicles through employer?", "subreddit": "personalfinance", "num_comments": 9, "score": 0.846, "selftext": "I recently accepted a contract-to-hire role, and the contracting company doesn't offer anything except for a HDHP + pre-payroll HSA contributions for investing/reducing taxable income. The contract is 6 months, and then I would be hired on at the prime company with what I think is pretty decent 401k match(employer matches 5% when contributing 6%); I would be switching to the prime at the end of August. \n \nMy current financial situation:\n\n* Only debt I have is $178k left on my mortgage.\n* Rec", "url": "https://reddit.com/r/personalfinance/comments/1r23cgs/what_to_do_with_limited_investment_vehicles/" }, { "title": "Roth IRA vs HYSA, and how do I balance those with other necessary spending?", "subreddit": "personalfinance", "num_comments": 14, "score": 0.842, "selftext": "I am about to turn 25, and I just opened my first HYSA (I went with Ally) and want to also look into opening a Roth IRA. I know the best time would\u2019ve been years ago, but second best time is now.\n\nI work at a firm where half of the year is spent in full time, and the other half is part time. Full time I take home about 2,900 a month and part time I took home about 1,950 (but I foresee that increasing in the coming months). each month I have about 1,750 dollars worth of necessary spending (rent, ", "url": "https://reddit.com/r/personalfinance/comments/1r2394m/roth_ira_vs_hysa_and_how_do_i_balance_those_with/" }, { "title": "HSA triple tax advantage - am I missing something?", "subreddit": "financialindependence", "num_comments": 66, "score": 0.838, "selftext": "So, I'm reaching the age where I'm starting to max out my deductible, and so far I've been claiming it against my HSA. I started playing with the thought of paying for things out of pocket and keeping the receipts, but I'm not sure if I'm missing something.\n\nIn a scenario where I have a $1000 bill to pay - I have an option of paying it out of pocket with my after-tax money and keeping my HSA invested, or paying it from the HSA and investing my after-tax money (let's assume I have that discipline", "url": "https://reddit.com/r/financialindependence/comments/1qepri5/hsa_triple_tax_advantage_am_i_missing_something/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 6, "cross_source_count": 1, "reddit_post_count": 6, "question_signal_count": 6, "has_question_signal": true }, { "cluster_id": 45, "topics": [ { "topic_name": "I spend $200 a month at my work snack area.. how do I stop", "source": "reddit", "region": "global", "score": 0.988, "url": "https://reddit.com/r/personalfinance/comments/1qnxmy8/i_spend_200_a_month_at_my_work_snack_area_how_do/", "signal_type": "question" }, { "topic_name": "What are some stay at home valentines ideas", "source": "reddit", "region": "global", "score": 0.9319999999999999, "url": "https://reddit.com/r/Frugal/comments/1qyzkgq/what_are_some_stay_at_home_valentines_ideas/", "signal_type": "question" }, { "topic_name": "Need a night out? Here\u2019s a list of all the meal deals at chain, sit-down restaurants for cheap", "source": "reddit", "region": "global", "score": 0.886, "url": "https://reddit.com/r/povertyfinance/comments/1qc7twi/need_a_night_out_heres_a_list_of_all_the_meal/", "signal_type": "question" }, { "topic_name": "What are your frugal hosting tips??", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/Frugal/comments/1qx08kq/what_are_your_frugal_hosting_tips/", "signal_type": "question" }, { "topic_name": "I'm trying to have a positive attitude", "source": "reddit", "region": "global", "score": 0.836, "url": "https://reddit.com/r/Frugal/comments/1qutpi8/im_trying_to_have_a_positive_attitude/", "signal_type": "question" }, { "topic_name": "I need help with keeping in-budget on my monthly food shop", "source": "reddit", "region": "global", "score": 0.834, "url": "https://reddit.com/r/Frugal/comments/1quxj8r/i_need_help_with_keeping_inbudget_on_my_monthly/", "signal_type": "question" } ], "reddit_posts": [ { "title": "I spend $200 a month at my work snack area.. how do I stop", "subreddit": "personalfinance", "num_comments": 649, "score": 0.988, "selftext": "basically I have A LOT of downtime at work. it's uncontrollable and it's up to my bosses discretion on how much downtime we get which Is usually 5-7 hours out of a 10 hour day. most of the downtime is spent in the work cafeteria/snack area with sodas and overpriced junk foods\n\nI looked at my bank statement and calculated my monthly spending that I spend almost $200 a month just at the cafe/snack area. even when I pack my lunch I'm still snacking. how do I stop. just self control? ", "url": "https://reddit.com/r/personalfinance/comments/1qnxmy8/i_spend_200_a_month_at_my_work_snack_area_how_do/" }, { "title": "What are some stay at home valentines ideas", "subreddit": "Frugal", "num_comments": 53, "score": 0.9319999999999999, "selftext": "My partner and I are trying to save some money. We are late 20s and live far from anything we can go out to do. We cannot really leave the house to do an outdoorsie activity either. \n\nWhat are some things we can do at home? We have some boardgames, craft stuff, tv, some games on the switch, and a couple tei player games on the pc...\n\nWe don't have a bath, access to buy much (though I am doing a grocery trip in a few days with limited budget), any alcohol at all, or much space. I'm VERY passionat", "url": "https://reddit.com/r/Frugal/comments/1qyzkgq/what_are_some_stay_at_home_valentines_ideas/" }, { "title": "Need a night out? Here\u2019s a list of all the meal deals at chain, sit-down restaurants for cheap", "subreddit": "povertyfinance", "num_comments": 99, "score": 0.886, "selftext": "\n\nMy husband and I love eating out but with rising food costs, it's getting tough to do, so for our sanity (and hopefully yours) I've put together everywhere with meal deals (at sit down places) that help keep eating out costs low. Let me know if I miss any - what are your favorite deals?\n\nA few general tips:\n\n1.\t\u2060This is likely not be an exhaustive list.\n2.\t\u2060\"Good\" meal deals in my opinion are about $15 or less per person. This may not be the same for everyone.\n3.\t\u2060Happy hours are not included ", "url": "https://reddit.com/r/povertyfinance/comments/1qc7twi/need_a_night_out_heres_a_list_of_all_the_meal/" }, { "title": "What are your frugal hosting tips??", "subreddit": "Frugal", "num_comments": 38, "score": 0.878, "selftext": "I am hosting a little galentines get together with my friends, and I have already made it potluck style where everyone is asked to bring a snack of some sort, but I did say I would provide dinner. I am thinking tacos or pasta because its easy and cheap, but do you guys have any other food tips to stay low budget? Or other hosting tips in general to make sure people have a good time but your dollar isn't too too affected? \n\nAlso, I've already got decor and I might buy a cheap thrifted table cloth", "url": "https://reddit.com/r/Frugal/comments/1qx08kq/what_are_your_frugal_hosting_tips/" }, { "title": "I'm trying to have a positive attitude", "subreddit": "Frugal", "num_comments": 39, "score": 0.836, "selftext": "My husband has a very seasonal, effective job. With that being said, he is heading into what could be almost a full month without any jobs. We have plenty of food atm, but I'm struggling with finding creative recipes using the same cuts of meats over and over (we have a Costco membership and got bulk chicken thighs and wings and ground beef before he was out of work) I have a lot of potatoes and ricd too. I guess my question is how can I use these in other recipes other than roasting. I'm starti", "url": "https://reddit.com/r/Frugal/comments/1qutpi8/im_trying_to_have_a_positive_attitude/" }, { "title": "I need help with keeping in-budget on my monthly food shop", "subreddit": "Frugal", "num_comments": 38, "score": 0.834, "selftext": "hi there, \n\nim pretty new to this subreddit, and also new to adulting, and due to some unfortunate circumstances that I am currently in a position where I cannot change my living situation, I can only afford to spend between \u00a330 and \u00a350 per month (yes, I mean month not week) on my food shop as bills wipe out the rest of what I receive. i am based in the UK, and can\u2019t walk very far so I cannot utilise resources like Aldi or Lidl because in my area Aldi and Lidl don\u2019t do delivery services. I\u2019ve cu", "url": "https://reddit.com/r/Frugal/comments/1quxj8r/i_need_help_with_keeping_inbudget_on_my_monthly/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 6, "cross_source_count": 1, "reddit_post_count": 6, "question_signal_count": 6, "has_question_signal": true }, { "cluster_id": 54, "topics": [ { "topic_name": "Is a baby highchair worth buying? honest advice please", "source": "reddit", "region": "global", "score": 0.982, "url": "https://reddit.com/r/Frugal/comments/1r1ebpy/is_a_baby_highchair_worth_buying_honest_advice/", "signal_type": "question" }, { "topic_name": "Looking for confirmation on my retirement plan", "source": "reddit", "region": "global", "score": 0.976, "url": "https://reddit.com/r/financialindependence/comments/1qyxnr8/looking_for_confirmation_on_my_retirement_plan/", "signal_type": "question" }, { "topic_name": "VeriFI my plan", "source": "reddit", "region": "global", "score": 0.9359999999999999, "url": "https://reddit.com/r/financialindependence/comments/1qtgef7/verifi_my_plan/", "signal_type": "question" }, { "topic_name": "Need Advice- WWYD? Hit FI, Struggling to Quit Work", "source": "reddit", "region": "global", "score": 0.926, "url": "https://reddit.com/r/financialindependence/comments/1qrnoud/need_advice_wwyd_hit_fi_struggling_to_quit_work/", "signal_type": "question" }, { "topic_name": "Can someone review my details and help me understand if my assessment is correct re: different ages?", "source": "reddit", "region": "global", "score": 0.902, "url": "https://reddit.com/r/financialindependence/comments/1qoxgcl/can_someone_review_my_details_and_help_me/", "signal_type": "question" }, { "topic_name": "Is this FI plan legit and is this enough saved for FI in VHCOL?", "source": "reddit", "region": "global", "score": 0.878, "url": "https://reddit.com/r/financialindependence/comments/1ql93uv/is_this_fi_plan_legit_and_is_this_enough_saved/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Is a baby highchair worth buying? honest advice please", "subreddit": "Frugal", "num_comments": 173, "score": 0.982, "selftext": "I\u2019m a stay at home mom who left her job to take care of my baby. It was my choice but now my husband is the only one earning so we\u2019ve had to cut back on a lot. We even canceled our Netflix subscription so yeah we\u2019re being that careful with money. \nI did try working from home and had my mom help with babysitting but my baby just never really adjusted and would cry most of the time. It didn\u2019t feel right for either of us so I decided to step away from work. No regrets honestly but now we really th", "url": "https://reddit.com/r/Frugal/comments/1r1ebpy/is_a_baby_highchair_worth_buying_honest_advice/" }, { "title": "Looking for confirmation on my retirement plan", "subreddit": "financialindependence", "num_comments": 17, "score": 0.976, "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*", "url": "https://reddit.com/r/financialindependence/comments/1qyxnr8/looking_for_confirmation_on_my_retirement_plan/" }, { "title": "VeriFI my plan", "subreddit": "financialindependence", "num_comments": 18, "score": 0.9359999999999999, "selftext": "Throwaway account. Looking for feedback. \u00a0Trying to see if I\u2019m on track to FI and any potential considerations.\n\n\\> Late thirties, married, no kids. Still not sure if we are having a kid, but one max. \n\\> Wife is not interesting in FI/RE. We make a similar salary and split expenses \n\\> Live in MCOL area\n\nBelow are my finances only (not counting wife): \n\\> $2.3M all stock index funds. Targeting $2.6M \n\\> Puts me at $6500-8650/mo target budget (3-4% rule)\n\n\\> House is $500K, ", "url": "https://reddit.com/r/financialindependence/comments/1qtgef7/verifi_my_plan/" }, { "title": "Need Advice- WWYD? Hit FI, Struggling to Quit Work", "subreddit": "financialindependence", "num_comments": 64, "score": 0.926, "selftext": "Wife and I are both 42. We have 3 kids (tweens).\n\nRecently achieved FI. $2.8M in liquid assets to support $100K annual expenses.\n\nHave an additional $200k in 529's for kids. Four more years until the first finishes HS.\n\nNo debt, paid off house and cars. Live in HCOL area.\n\nBoth are in stressful, demanding jobs (leadership in retail and supply chain) with combined annual income of $275K. \n\nWe have worked hard, saved hard, lived frugally, and are not flashy/material people.\n\nWe enjoy simple inexpe", "url": "https://reddit.com/r/financialindependence/comments/1qrnoud/need_advice_wwyd_hit_fi_struggling_to_quit_work/" }, { "title": "Can someone review my details and help me understand if my assessment is correct re: different ages?", "subreddit": "financialindependence", "num_comments": 16, "score": 0.902, "selftext": "Looking for input and advice. Or, maybe confirmation that I\u2019ve assessed things correctly or that I\u2019ve gotten it all wrong.\n\nA few variables that complicate things for my brain when it comes to considering my situation are:\n\n- I am 40, and my husband is 60, so with this large an age gap, I am thinking about some things very early.\n\n- I am a dual US/CAN citizen with work experience in both countries; my husband is a US citizen with work experience in the US only.\n\n**Primary Goal**: Determine when ", "url": "https://reddit.com/r/financialindependence/comments/1qoxgcl/can_someone_review_my_details_and_help_me/" }, { "title": "Is this FI plan legit and is this enough saved for FI in VHCOL?", "subreddit": "financialindependence", "num_comments": 34, "score": 0.878, "selftext": "Hi everyone,\n\nI\u2019m a 41-year-old Senior PM in Big Tech living in the Bay Area. My wife (37) works in academia but will soon move to industry. We have a high HHI ($700k gross) but we also carry significant debt ($2M+ once the ADU we are planning is built) and have a baby planned in 2027.\n\nGiven the uncertainity in the job market, my goal is to progressively reduce reliance on an income on the way to full FI. We\u2019ve engineered a \"Strategic Pivot\" for age 45 that allows us to downshift while building", "url": "https://reddit.com/r/financialindependence/comments/1ql93uv/is_this_fi_plan_legit_and_is_this_enough_saved/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 6, "cross_source_count": 1, "reddit_post_count": 6, "question_signal_count": 6, "has_question_signal": true }, { "cluster_id": 49, "topics": [ { "topic_name": "It feels as \u201cright\u201d as I\u2019d hoped.", "source": "reddit", "region": "global", "score": 0.972, "url": "https://reddit.com/r/financialindependence/comments/1qwwqa9/it_feels_as_right_as_id_hoped/", "signal_type": "question" }, { "topic_name": "What mini milestones have you celebrated during your FIRE journey?", "source": "reddit", "region": "global", "score": 0.916, "url": "https://reddit.com/r/financialindependence/comments/1qpceem/what_mini_milestones_have_you_celebrated_during/", "signal_type": "question" }, { "topic_name": "Temp Check: 2026 Sabbatical / Thru-hike", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/financialindependence/comments/1qoy4rf/temp_check_2026_sabbatical_thruhike/", "signal_type": "question" }, { "topic_name": "I see a lot of people who ditched FIRE due to it affecting their life negatively and I don\u2019t understand?", "source": "reddit", "region": "global", "score": 0.88, "url": "https://reddit.com/r/financialindependence/comments/1qls3yc/i_see_a_lot_of_people_who_ditched_fire_due_to_it/", "signal_type": "question" }, { "topic_name": "Semi-FIRE, Barista-FIRE, sabbatical?", "source": "reddit", "region": "global", "score": 0.866, "url": "https://reddit.com/r/financialindependence/comments/1qi5z3c/semifire_baristafire_sabbatical/", "signal_type": "question" }, { "topic_name": "[21M] French IT Student - Targeting FIRE by 35. Inheritance + Canada Move Strategy. Need Advice.", "source": "reddit", "region": "global", "score": 0.858, "url": "https://reddit.com/r/financialindependence/comments/1qiv4sc/21m_french_it_student_targeting_fire_by_35/", "signal_type": "question" } ], "reddit_posts": [ { "title": "It feels as \u201cright\u201d as I\u2019d hoped.", "subreddit": "financialindependence", "num_comments": 44, "score": 0.972, "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/", "url": "https://reddit.com/r/financialindependence/comments/1qwwqa9/it_feels_as_right_as_id_hoped/" }, { "title": "What mini milestones have you celebrated during your FIRE journey?", "subreddit": "financialindependence", "num_comments": 90, "score": 0.916, "selftext": "Since the boring middle can sometimes be boring, do you have any mini milestones that you achieved that have made the journey more fun? \n\nInspiration for this post: A few days ago I realized based on my current net worth and a standard 4% withdrawal rate, my annual income would exceed my first \"big boy\" salary out of college of $47,500. Don't plan on pulling the trigger anytime soon, but it was a cool moment to pause and reflect on how far I've come since then (especially since I ended up gettin", "url": "https://reddit.com/r/financialindependence/comments/1qpceem/what_mini_milestones_have_you_celebrated_during/" }, { "title": "Temp Check: 2026 Sabbatical / Thru-hike", "subreddit": "financialindependence", "num_comments": 56, "score": 0.91, "selftext": "Made a similar post over on r/fire but wanted to get this sub\u2018s thoughts as well (although \u2014 kind of seems that the audience of both subs overlaps by about 90%)\n\nStats:\n\n* 27 years old\n* $103k income + 12% variable comp\n* Sales ops / revenue ops in manufacturing, supporting the data center industry\n* $400k net worth - $300k investments/retirement, $100k CD / HYSA\n* FIRE goal $2.8M at 3.5% SWR, as soon as I can get there. Realistically 45+.\n\nI hate my job. I am the only sales ops guy supporting a", "url": "https://reddit.com/r/financialindependence/comments/1qoy4rf/temp_check_2026_sabbatical_thruhike/" }, { "title": "I see a lot of people who ditched FIRE due to it affecting their life negatively and I don\u2019t understand?", "subreddit": "financialindependence", "num_comments": 26, "score": 0.88, "selftext": "They talk about missing birthdays, not enjoying life, not visiting family etc so they end up ditching FIRE.\n\nIt makes no sense to me. You can still save, still go to birthdays, still celebrate holidays and see your parents.\n\nI don\u2019t care about blowing money on expensive clothes/cars etc. I still travel. I have fun. And I\u2019m perfectly fine? Spending money on useless things makes me UNHAPPY. Traveling makes me happy. \n\nEven if I enjoyed blowing money on expensive clothes/cars or whatever - I still ", "url": "https://reddit.com/r/financialindependence/comments/1qls3yc/i_see_a_lot_of_people_who_ditched_fire_due_to_it/" }, { "title": "Semi-FIRE, Barista-FIRE, sabbatical?", "subreddit": "financialindependence", "num_comments": 73, "score": 0.866, "selftext": "Long, so long... \n\nSetting: laid off from corporate in 2024. DOGEd from federal government in 2025. Lightly traumatized, depressed, actively avoidant. Applied to one job, which I got. Working at my lifelong favorite market. Initially it was to get out of the apartment for a few hours but switched to full time for excellent health care. \n\nThe job is fine except for the very low wage. If it was paying me $60/hr, I'd be happy as a clam. Instead I'm likely going to top out at about 28 to 30k this ye", "url": "https://reddit.com/r/financialindependence/comments/1qi5z3c/semifire_baristafire_sabbatical/" }, { "title": "[21M] French IT Student - Targeting FIRE by 35. Inheritance + Canada Move Strategy. Need Advice.", "subreddit": "financialindependence", "num_comments": 10, "score": 0.858, "selftext": "Hello everyone,\n\nI\u2019ve been lurking here for a while and I love reading your stories. It has really made me question my own path. I\u2019ve realized that I want to pursue FIRE, but not at the cost of \"not living.\" I\u2019m not into extreme frugality; I just refuse the traditional \"study, 9-to-5, 25-year mortgage, retire at 67\" script.\n\nMy Background: I'm a 21-year-old Master's student in IT (currently in a sandwich course/apprenticeship). I live with my parents, have no debt, and I\u2019m a \"selective\" spender\u2014", "url": "https://reddit.com/r/financialindependence/comments/1qiv4sc/21m_french_it_student_targeting_fire_by_35/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 6, "cross_source_count": 1, "reddit_post_count": 6, "question_signal_count": 6, "has_question_signal": true }, { "cluster_id": 67, "topics": [ { "topic_name": "Tiktok has a fake, bigger uninstall button", "source": "reddit", "region": "global", "score": 0.96, "url": "https://reddit.com/r/darkpatterns/comments/1qn30rp/tiktok_has_a_fake_bigger_uninstall_button/", "signal_type": "question" }, { "topic_name": "Adfly-like site: I need to install unrelated app to see my link", "source": "reddit", "region": "global", "score": 0.942, "url": "https://reddit.com/r/assholedesign/comments/1q5mxnj/adflylike_site_i_need_to_install_unrelated_app_to/", "signal_type": "question" }, { "topic_name": "No Duolingo, you may not put an ad for your subscription on my lock screen", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/assholedesign/comments/1pz3fbk/no_duolingo_you_may_not_put_an_ad_for_your/", "signal_type": "question" }, { "topic_name": "Tiktok ad has a fake popup that takes you to the app store when you press X or decline", "source": "reddit", "region": "global", "score": 0.864, "url": "https://reddit.com/r/assholedesign/comments/1oynm0h/tiktok_ad_has_a_fake_popup_that_takes_you_to_the/", "signal_type": "question" }, { "topic_name": "Not only does Reddit repeatedly force you to New Reddit from old, which then tries to force the app on you, it now features post-redirect shaming when you inevitably swipe away the App Store before it can load.", "source": "reddit", "region": "global", "score": 0.842, "url": "https://reddit.com/r/darkpatterns/comments/1j5a7hx/not_only_does_reddit_repeatedly_force_you_to_new/", "signal_type": "question" }, { "topic_name": "Mobile ads now require me to check out the app on the play store just to be able to skip", "source": "reddit", "region": "global", "score": 0.806, "url": "https://reddit.com/r/assholedesign/comments/1nwtrba/mobile_ads_now_require_me_to_check_out_the_app_on/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Tiktok has a fake, bigger uninstall button", "subreddit": "darkpatterns", "num_comments": 24, "score": 0.96, "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", "url": "https://reddit.com/r/darkpatterns/comments/1qn30rp/tiktok_has_a_fake_bigger_uninstall_button/" }, { "title": "Adfly-like site: I need to install unrelated app to see my link", "subreddit": "assholedesign", "num_comments": 18, "score": 0.942, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1q5mxnj/adflylike_site_i_need_to_install_unrelated_app_to/" }, { "title": "No Duolingo, you may not put an ad for your subscription on my lock screen", "subreddit": "assholedesign", "num_comments": 128, "score": 0.924, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1pz3fbk/no_duolingo_you_may_not_put_an_ad_for_your/" }, { "title": "Tiktok ad has a fake popup that takes you to the app store when you press X or decline", "subreddit": "assholedesign", "num_comments": 43, "score": 0.864, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1oynm0h/tiktok_ad_has_a_fake_popup_that_takes_you_to_the/" }, { "title": "Not only does Reddit repeatedly force you to New Reddit from old, which then tries to force the app on you, it now features post-redirect shaming when you inevitably swipe away the App Store before it can load.", "subreddit": "darkpatterns", "num_comments": 4, "score": 0.842, "selftext": "", "url": "https://reddit.com/r/darkpatterns/comments/1j5a7hx/not_only_does_reddit_repeatedly_force_you_to_new/" }, { "title": "Mobile ads now require me to check out the app on the play store just to be able to skip", "subreddit": "assholedesign", "num_comments": 133, "score": 0.806, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/1nwtrba/mobile_ads_now_require_me_to_check_out_the_app_on/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 6, "cross_source_count": 1, "reddit_post_count": 6, "question_signal_count": 6, "has_question_signal": true }, { "cluster_id": 42, "topics": [ { "topic_name": "Vacuum cleaners for *pets* - I analyzed 1k+ posts to find the top ones on Reddit in the past year (Feb 2025-2026)", "source": "reddit", "region": "global", "score": 0.956, "url": "https://reddit.com/r/BuyItForLife/comments/1r142yr/vacuum_cleaners_for_pets_i_analyzed_1k_posts_to/", "signal_type": "question" }, { "topic_name": "Kirby Vacuums are my personal favorite", "source": "reddit", "region": "global", "score": 0.954, "url": "https://reddit.com/r/BuyItForLife/comments/1r1497r/kirby_vacuums_are_my_personal_favorite/", "signal_type": "question" }, { "topic_name": "Miele vaccuums? Guard S1", "source": "reddit", "region": "global", "score": 0.924, "url": "https://reddit.com/r/BuyItForLife/comments/1r13f46/miele_vaccuums_guard_s1/", "signal_type": "question" }, { "topic_name": "Why does no one on YouTube talking about Miele vacuums?", "source": "reddit", "region": "global", "score": 0.914, "url": "https://reddit.com/r/BuyItForLife/comments/1r08azr/why_does_no_one_on_youtube_talking_about_miele/", "signal_type": "question" }, { "topic_name": "Just bought this Kirby (2002/3) for $20", "source": "reddit", "region": "global", "score": 0.91, "url": "https://reddit.com/r/BuyItForLife/comments/1qo1g89/just_bought_this_kirby_20023_for_20/", "signal_type": "question" }, { "topic_name": "What\u2019s the last thing you replaced that made you realize older versions were built better?", "source": "reddit", "region": "global", "score": 0.8200000000000001, "url": "https://reddit.com/r/BuyItForLife/comments/1qv3ucm/whats_the_last_thing_you_replaced_that_made_you/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Vacuum cleaners for *pets* - I analyzed 1k+ posts to find the top ones on Reddit in the past year (Feb 2025-2026)", "subreddit": "BuyItForLife", "num_comments": 43, "score": 0.956, "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", "url": "https://reddit.com/r/BuyItForLife/comments/1r142yr/vacuum_cleaners_for_pets_i_analyzed_1k_posts_to/" }, { "title": "Kirby Vacuums are my personal favorite", "subreddit": "BuyItForLife", "num_comments": 47, "score": 0.954, "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, ", "url": "https://reddit.com/r/BuyItForLife/comments/1r1497r/kirby_vacuums_are_my_personal_favorite/" }, { "title": "Miele vaccuums? Guard S1", "subreddit": "BuyItForLife", "num_comments": 12, "score": 0.924, "selftext": "Hi, so we have 2 Dysons, both which need some level of repair or part replacement. I've held off because each of which will cost at least $150. And to be honest I just don't know if they're worth it.\n\nMiele has a really good sale going on right now and I feel like I've seen them mentioned around here.\n\nWe have a fair bit of carpet, a dog, and 2 rambunctious boys. So I want some that will have great auctions and also be good for furniture.\n\nIs the Mielle Guard S1 a good one? Are other models bett", "url": "https://reddit.com/r/BuyItForLife/comments/1r13f46/miele_vaccuums_guard_s1/" }, { "title": "Why does no one on YouTube talking about Miele vacuums?", "subreddit": "BuyItForLife", "num_comments": 165, "score": 0.914, "selftext": "This is how I heard about Miele the first time: back in 2017, I came across the [vacuum repair guy AMA](https://www.reddit.com/r/IAmA/comments/7gmsoe/iama_reddits_own_vacuum_repair_tech_with_a_very/) where I learned about how fantastic Miele is and how important it is to buy a bagged corded vacuum. I read OP's comments, explanations, and answers and I believed everything he was saying about vacuums. Keep in mind, this was back in 2017 when astroturfing/guerrilla marketing and bots wasn't a huge ", "url": "https://reddit.com/r/BuyItForLife/comments/1r08azr/why_does_no_one_on_youtube_talking_about_miele/" }, { "title": "Just bought this Kirby (2002/3) for $20", "subreddit": "BuyItForLife", "num_comments": 49, "score": 0.91, "selftext": "Purchased this Kirby Ultimate G last week for $20. Just picked it up from having it serviced.", "url": "https://reddit.com/r/BuyItForLife/comments/1qo1g89/just_bought_this_kirby_20023_for_20/" }, { "title": "What\u2019s the last thing you replaced that made you realize older versions were built better?", "subreddit": "BuyItForLife", "num_comments": 264, "score": 0.8200000000000001, "selftext": "I replaced a vacuum expecting an upgrade and instead got something lighter, noisier, and worse. It worked, but it felt cheaper.\n\nWhat replacement disappointed you?", "url": "https://reddit.com/r/BuyItForLife/comments/1qv3ucm/whats_the_last_thing_you_replaced_that_made_you/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 6, "cross_source_count": 1, "reddit_post_count": 6, "question_signal_count": 6, "has_question_signal": true }, { "cluster_id": 7, "topics": [ { "topic_name": "Updated Rules & Common Topics", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/assholedesign/comments/1midcp5/updated_rules_common_topics/", "signal_type": "question" }, { "topic_name": "Read before commenting: Off-topic and anecdotal comments are not allowed and subject you to a permanent ban", "source": "reddit", "region": "global", "score": 1.0, "url": "https://reddit.com/r/legaladvice/comments/1jc4909/read_before_commenting_offtopic_and_anecdotal/", "signal_type": "question" }, { "topic_name": "[Meta] An updated flow chart, to help cut down on the number of Rule 1 breaking posts in the sub. Be sure to read the list of common topics listed under Rule 4, as well!", "source": "reddit", "region": "global", "score": 0.998, "url": "https://reddit.com/r/assholedesign/comments/lnymf2/meta_an_updated_flow_chart_to_help_cut_down_on/", "signal_type": "question" }, { "topic_name": "[META] Welcome back, this specific wording on Rule 6.", "source": "reddit", "region": "global", "score": 0.974, "url": "https://reddit.com/r/assholedesign/comments/1qgryor/meta_welcome_back_this_specific_wording_on_rule_6/", "signal_type": "question" }, { "topic_name": "[Meta] Remove the \"unfortunately\" from the post removal message", "source": "reddit", "region": "global", "score": 0.888, "url": "https://reddit.com/r/assholedesign/comments/1pb45fx/meta_remove_the_unfortunately_from_the_post/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Updated Rules & Common Topics", "subreddit": "assholedesign", "num_comments": 26, "score": 1.0, "selftext": "We've made a few tweaks to the rules and wiki here at r/assholedesign to help everyone stay on the same page with what the sub is all about. We've also updated the Common Topics list to call out the posts we see most often and get removed almost every time. The goal is to avoid surprises from mod actions on submissions and make it clearer why a post is being removed. \n\nWe will continue to refine the rules and topic on these lists as the content of the sub changes. We ask that you report any post", "url": "https://reddit.com/r/assholedesign/comments/1midcp5/updated_rules_common_topics/" }, { "title": "Read before commenting: Off-topic and anecdotal comments are not allowed and subject you to a permanent ban", "subreddit": "LegalAdvice", "num_comments": 0, "score": 1.0, "selftext": "Greetings from the mods!\n\nWe've had a flood of off-topic comments recently. We're posting this to remind everyone that off-topic and anecdotal comments are not allowed. An off-topic comment may subject you to a permanent ban. \n\n**The Rule:**\n\n[Commenting Rule 1:](https://www.reddit.com/r/legaladvice/wiki/index#wiki_general_rules) Comments should contain a legal answer or a strongly related non-legal answer. If it is not legal advice, do not post. Period. You will be banned.\n\n**What is \"off-to", "url": "https://reddit.com/r/legaladvice/comments/1jc4909/read_before_commenting_offtopic_and_anecdotal/" }, { "title": "[Meta] An updated flow chart, to help cut down on the number of Rule 1 breaking posts in the sub. Be sure to read the list of common topics listed under Rule 4, as well!", "subreddit": "assholedesign", "num_comments": 104, "score": 0.998, "selftext": "", "url": "https://reddit.com/r/assholedesign/comments/lnymf2/meta_an_updated_flow_chart_to_help_cut_down_on/" }, { "title": "[META] Welcome back, this specific wording on Rule 6.", "subreddit": "assholedesign", "num_comments": 41, "score": 0.974, "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", "url": "https://reddit.com/r/assholedesign/comments/1qgryor/meta_welcome_back_this_specific_wording_on_rule_6/" }, { "title": "[Meta] Remove the \"unfortunately\" from the post removal message", "subreddit": "assholedesign", "num_comments": 30, "score": 0.888, "selftext": "This is the pettiest of pet peeves, but I think that the word \"Unfortunately\" should be removed from the post removal message sent by the Mod Team's account. Using the term \"unfortunately\" makes rule-breaking posts seem more acceptable. Getting a rule-breaking post removed isn't unfortunate.\n\nInstead, the message should just start with \"Your submission has been removed for the following reason:\".", "url": "https://reddit.com/r/assholedesign/comments/1pb45fx/meta_remove_the_unfortunately_from_the_post/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 5, "cross_source_count": 1, "reddit_post_count": 5, "question_signal_count": 5, "has_question_signal": true }, { "cluster_id": 75, "topics": [ { "topic_name": "Genuine Question for Optimizers", "source": "reddit", "region": "global", "score": 0.996, "url": "https://reddit.com/r/CreditCards/comments/1r23rh7/genuine_question_for_optimizers/", "signal_type": "question" }, { "topic_name": "My 5x-4x-3x-2x setup. Anything i should do better?", "source": "reddit", "region": "global", "score": 0.944, "url": "https://reddit.com/r/CreditCards/comments/1r29gu5/my_5x4x3x2x_setup_anything_i_should_do_better/", "signal_type": "question" }, { "topic_name": "Rate my Credit Card Setup! Suggestions welcomed.", "source": "reddit", "region": "global", "score": 0.9, "url": "https://reddit.com/r/CreditCards/comments/1r22o13/rate_my_credit_card_setup_suggestions_welcomed/", "signal_type": "question" }, { "topic_name": "Rakuten vs. BILT Dining vs. AA Dining \u2013 What Would You Do?", "source": "reddit", "region": "global", "score": 0.892, "url": "https://reddit.com/r/CreditCards/comments/1r1lw7r/rakuten_vs_bilt_dining_vs_aa_dining_what_would/", "signal_type": "question" }, { "topic_name": "My Personal Ultimate Credit Card Combo", "source": "reddit", "region": "global", "score": 0.874, "url": "https://reddit.com/r/CreditCards/comments/1r1mdrg/my_personal_ultimate_credit_card_combo/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Genuine Question for Optimizers", "subreddit": "CreditCards", "num_comments": 23, "score": 0.996, "selftext": "I\u2019ve seen a lot of posts here where someone will lay out their set up on how to optimize every spending category, and it\u2019s like 25 cards with 14 different issuers. Some do cash back, some do miles, some do both. \n\nMy question (mainly for the points and cash+points people) is how do you use the cash back and points you earn? I understand there is overlap when it comes to transfer partners, but with so many different card issuers, there are bound to be cards that earn points that can only be used ", "url": "https://reddit.com/r/CreditCards/comments/1r23rh7/genuine_question_for_optimizers/" }, { "title": "My 5x-4x-3x-2x setup. Anything i should do better?", "subreddit": "CreditCards", "num_comments": 17, "score": 0.944, "selftext": "My main categories for spend are travel and dining. A lot of it is international, so US-only rewards wouldn't work (like Amex), and also don't like having a cap on spending for rewards. So i only consider unlimited rewards cards.\n\nBack in the Day i had the USBAR which was 4.5% on almost everything and unlimited. But that card died unfortunately.\n\n\\--\n\nMy new setup is this one:\n\nVenture X: 2% on everything, unlimited priority pass, and the travel credits and annual bonus mean the card is almost f", "url": "https://reddit.com/r/CreditCards/comments/1r29gu5/my_5x4x3x2x_setup_anything_i_should_do_better/" }, { "title": "Rate my Credit Card Setup! Suggestions welcomed.", "subreddit": "CreditCards", "num_comments": 8, "score": 0.9, "selftext": "Open to suggestions on how to improve my CC setup: \n\n**1**. **BofA Customized Cash**: 5.25x dining. I have BofA Preferred Rewards\n\n**2. BofA Premium Rewards Elite**: taking a break from this card for spending with the Bilt Palladium card for now. But it is $550 a year but I travel a lot and really value Priority Pass restaurants and have gifted my mom, aunt, and wife Priority Pass too. $300 airline incidental credit that I just buy United Travel Bank and Lifestyle $150 on Uber. \n\n**3. Citi Custo", "url": "https://reddit.com/r/CreditCards/comments/1r22o13/rate_my_credit_card_setup_suggestions_welcomed/" }, { "title": "Rakuten vs. BILT Dining vs. AA Dining \u2013 What Would You Do?", "subreddit": "CreditCards", "num_comments": 38, "score": 0.892, "selftext": "Hi All, i'm trying to figure out which dining program actually makes the most sense for me.\n\nCurrent cards: \nAmex trifecta (Gold, Plat, BBP), CSP, and WF Autograph (Bilt 1.0 era).\n\nRight now I mainly use Rakuten for online shopping, but I honestly don\u2019t feel like I get much out of their dining side. Could just be that I don\u2019t go to many of the restaurants in their network, or the tracking hasn\u2019t been perfect (had to request missing points last time).\n\nI used to use BILT Dining, but really only ", "url": "https://reddit.com/r/CreditCards/comments/1r1lw7r/rakuten_vs_bilt_dining_vs_aa_dining_what_would/" }, { "title": "My Personal Ultimate Credit Card Combo", "subreddit": "CreditCards", "num_comments": 24, "score": 0.874, "selftext": "**Daily Driver (Property taxes, auto/home insurance)**\n\n\\- BOA Premium Rewards 2.6% (w/ platinum honors)\n\n**Dining/Restaurants**\n\n\\- Citi Custom Cash 5%\n\n\\- Chase Freedom (during cash back months) 5%\n\n\\- Discover (during cash back months) 5%\n\n**Grocery**\n\n\\- Citi Custom Cash 5% (p2's card)\n\n**Gas**\n\n\\- Costco Citi 5% (4% non-Costco stations)\n\n**Utilities**\n\n\\- US Bank Cash+ 5% (phone, home internet)\n\n**Travel**\n\n\\- Capital One VentureX ($300 credit first)\n\n\\- Chase Sapphire Preferred (1.25x poin", "url": "https://reddit.com/r/CreditCards/comments/1r1mdrg/my_personal_ultimate_credit_card_combo/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 5, "cross_source_count": 1, "reddit_post_count": 5, "question_signal_count": 5, "has_question_signal": true }, { "cluster_id": 38, "topics": [ { "topic_name": "Massive rental debt. Have kids. Poor. Lost", "source": "reddit", "region": "global", "score": 0.968, "url": "https://reddit.com/r/povertyfinance/comments/1r18jtz/massive_rental_debt_have_kids_poor_lost/", "signal_type": "question" }, { "topic_name": "Bad credit w/ inheritance", "source": "reddit", "region": "global", "score": 0.938, "url": "https://reddit.com/r/personalfinance/comments/1qyt0ex/bad_credit_w_inheritance/", "signal_type": "question" }, { "topic_name": "Desperately seeking advice", "source": "reddit", "region": "global", "score": 0.9339999999999999, "url": "https://reddit.com/r/povertyfinance/comments/1r1wg3e/desperately_seeking_advice/", "signal_type": "question" }, { "topic_name": "Struggling with bills looking for a ways to make extra money", "source": "reddit", "region": "global", "score": 0.872, "url": "https://reddit.com/r/povertyfinance/comments/1r1ep94/struggling_with_bills_looking_for_a_ways_to_make/", "signal_type": "question" }, { "topic_name": "32, stuck at $22/hr, maxed out credit cards and behind on rent \u2014 how do I rebuild?", "source": "reddit", "region": "global", "score": 0.83, "url": "https://reddit.com/r/personalfinance/comments/1qugeaq/32_stuck_at_22hr_maxed_out_credit_cards_and/", "signal_type": "question" } ], "reddit_posts": [ { "title": "Massive rental debt. Have kids. Poor. Lost", "subreddit": "povertyfinance", "num_comments": 70, "score": 0.968, "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", "url": "https://reddit.com/r/povertyfinance/comments/1r18jtz/massive_rental_debt_have_kids_poor_lost/" }, { "title": "Bad credit w/ inheritance", "subreddit": "personalfinance", "num_comments": 217, "score": 0.938, "selftext": "I (38 f) have poor credit. I have been very poor my entire life and spent quite some time homeless. I was never making enough to build credit or even be approved for a credit card, and then I became disabled and I have haven't worked in 3 years because of that. \n\nMy lovely gramma passed away a year ago and left me a large inheritance and Trust. I had no idea she was this wealthy. Wealthy people say they \"live comfortably\"- at least my gramma did. I guess that's how she always got us kids the mor", "url": "https://reddit.com/r/personalfinance/comments/1qyt0ex/bad_credit_w_inheritance/" }, { "title": "Desperately seeking advice", "subreddit": "povertyfinance", "num_comments": 11, "score": 0.9339999999999999, "selftext": "Hi I am a 24y female and was once very healthy. Suddenly I was hit with the most debilitating symptoms that caused me to not be able to go into work (substitute teacher). I have heavy student loans on me and while federal loans are at $0 due to income. My private student loan is over 750 a month. On top of that I have credit card debt from just trying to make it by. I have applied for numerous jobs that seemed doable for someone who needs to be seated a lot. Unfortunately no call backs/interview", "url": "https://reddit.com/r/povertyfinance/comments/1r1wg3e/desperately_seeking_advice/" }, { "title": "Struggling with bills looking for a ways to make extra money", "subreddit": "povertyfinance", "num_comments": 4, "score": 0.872, "selftext": "I'm really stressed right now. I'm really struggling to make ends meet and rent is due very soon. I've cut back on everything l can, but I'm short and feeling the pressure of the deadline coming up", "url": "https://reddit.com/r/povertyfinance/comments/1r1ep94/struggling_with_bills_looking_for_a_ways_to_make/" }, { "title": "32, stuck at $22/hr, maxed out credit cards and behind on rent \u2014 how do I rebuild?", "subreddit": "personalfinance", "num_comments": 38, "score": 0.83, "selftext": "I\u2019m 32, move to United States when I was 19. I was always working hard, always had a job, unfortunately I never got a degree in my home country, and never had a chance to go to study here, so I never made more than I make now ($22 per hour). I was unemployed for month and a half, since I lost my job, and I just started training at the new place.\n\nDue to hardship and economical conditions in last 6 months (I\u2019ve been between jobs, left 1 due to hostile environment. Got let go from another one beca", "url": "https://reddit.com/r/personalfinance/comments/1qugeaq/32_stuck_at_22hr_maxed_out_credit_cards_and/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 5, "cross_source_count": 1, "reddit_post_count": 5, "question_signal_count": 5, "has_question_signal": true }, { "cluster_id": 0, "topics": [ { "topic_name": "How do I get an operational role in insurance?", "source": "reddit", "region": "global", "score": 0.968, "url": "https://reddit.com/r/Insurance/comments/1r28yas/how_do_i_get_an_operational_role_in_insurance/", "signal_type": "question" }, { "topic_name": "I\u2019m an experienced agent with Health & Life license. \ud83e\udd78 Was laid off due to RIWF and am thinking about being an agent during this year\u2019s AEP. I\u2019m 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!", "source": "reddit", "region": "global", "score": 0.962, "url": "https://reddit.com/r/Insurance/comments/1r27zlj/im_an_experienced_agent_with_health_life_license/", "signal_type": "question" }, { "topic_name": "What\u2019s a great 30-60-90 day plan for an Underwriting Assistant.", "source": "reddit", "region": "global", "score": 0.908, "url": "https://reddit.com/r/Insurance/comments/1r1jub4/whats_a_great_306090_day_plan_for_an_underwriting/", "signal_type": "question" }, { "topic_name": "Career Advise. Underwriting vs Broking", "source": "reddit", "region": "global", "score": 0.868, "url": "https://reddit.com/r/Insurance/comments/1r1ij3u/career_advise_underwriting_vs_broking/", "signal_type": "question" }, { "topic_name": "Starting an Independent FE Agency \u2014 IMO & Lead Recommendations?", "source": "reddit", "region": "global", "score": 0.852, "url": "https://reddit.com/r/Insurance/comments/1r1g9pw/starting_an_independent_fe_agency_imo_lead/", "signal_type": "question" } ], "reddit_posts": [ { "title": "How do I get an operational role in insurance?", "subreddit": "Insurance", "num_comments": 7, "score": 0.968, "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", "url": "https://reddit.com/r/Insurance/comments/1r28yas/how_do_i_get_an_operational_role_in_insurance/" }, { "title": "I\u2019m an experienced agent with Health & Life license. \ud83e\udd78 Was laid off due to RIWF and am thinking about being an agent during this year\u2019s AEP. I\u2019m 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!", "subreddit": "Insurance", "num_comments": 0, "score": 0.962, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1r27zlj/im_an_experienced_agent_with_health_life_license/" }, { "title": "What\u2019s a great 30-60-90 day plan for an Underwriting Assistant.", "subreddit": "Insurance", "num_comments": 1, "score": 0.908, "selftext": "I am a top contender for a UA role for specialty insurance/complex casualty insurance at a prestigious company. This will be a new experience for me, even with my meager 2.5 years in retail excess casualty. May I please have suggestions for what I ought to have as reasonable and meaningful goals for a 30-60-90 day plan? ", "url": "https://reddit.com/r/Insurance/comments/1r1jub4/whats_a_great_306090_day_plan_for_an_underwriting/" }, { "title": "Career Advise. Underwriting vs Broking", "subreddit": "Insurance", "num_comments": 1, "score": 0.868, "selftext": "Hi everyone, looking for some career advice from people working in insurance or broking.\n\nI currently work in an insurance support role and have previous experience in underwriting support. I\u2019m now trying to decide my next career move and feeling quite confused about which path to take.\n\nI\u2019m considering moving into an Underwriting Assistant role, but I\u2019m unsure about long-term opportunities. Would moving into underwriting support limit my chances of joining broking companies like Marsh or Aon la", "url": "https://reddit.com/r/Insurance/comments/1r1ij3u/career_advise_underwriting_vs_broking/" }, { "title": "Starting an Independent FE Agency \u2014 IMO & Lead Recommendations?", "subreddit": "Insurance", "num_comments": 0, "score": 0.852, "selftext": "", "url": "https://reddit.com/r/Insurance/comments/1r1g9pw/starting_an_independent_fe_agency_imo_lead/" } ], "sources": [ "reddit" ], "regions": [ "global" ], "signal_types": [ "question" ], "topic_count": 5, "cross_source_count": 1, "reddit_post_count": 5, "question_signal_count": 5, "has_question_signal": true } ], "timestamp": "2026-02-13T17:30:38.397715+00:00" }