The more technology and communication progress, the more scams are thriving. It has become easier for scammers to reach potential victims and carry out their schemes. From phishing emails to fake online stores, there are countless ways that scammers can take advantage of people who are not cautious.
However, while it is always important to be wary of scams, it is also important to not jump to conclusions and assume that everything that seems too good to be true is a scam. It is important to do research and be cautious in order to avoid scams and find legitimate opportunities that you wouldn't want to miss out on. Lots of people these days assume that everything online is basically a scam, which is why this Redditor wanted to know: "What do people think is a scam but they just don't understand?" and people gave some great answers on this topic that might give you some really important insights.
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Socialized Healthcare, apparently. "but I'm not sick and I don't wann apay for other people and never use it" blah blah blah. You could fall flat on your face and second and need 500 bucks worth of stitches and painkillers. You can get run over at no fault of your own. You can have a fricking aneurysm. Getting regular checkups is even gonna bring your premiums down, the insurance would rather pay 50-100 for a yearly dental checkup than 15k in prosthetics because all your teeth rotted out because you didn't see anyone in 10 years. Why is the concept of socialism so scary to some Americans? What's so bad about it? Being able to rely on the community? If I get sick, I don't bankrupt myself. If I lose my job, I won't lose my home and can still live a frugal, but dignified life. I would rather live a life with a lot of security and all the same options than a life with 0 security but "mah freedomz". Medical debt bankruptcy is not freedom.
yes the rest of the world is sitting and watching you guys like it's a reality show.
And we'd honestly love for the sh*tshow to stop. My sister has two autoimmune disorders and hasn't had insurance for years. She had the chance to get it this year but the premiums were so high it wasn't worth it. I'd love to have national healthcare!
Load More Replies...I'm baffled by the "I don't wanna pay for someone else's medical bills," truly. Like, what do they think their insurance premiums are for?
And it‘s the same with their car and house insurances. But that‘s apparently „different“
Load More Replies...The people who want it to keep it as it is focus on “YOUR TAXES WILL RISE” without telling you that you would pay less overall. Even with the NHS being decimated by the Tories, it’s better than paying hundreds of pounds a month for insurance then having to pay thousands before anyone will see you because profits.
So, I live in a universal health country (Spain). Here, people is paying taxes for public health for decades. And I never (never in my life) heard someone saying "I'm paying for other people's sickness". All we are covered from birth to death, and we are afraid of sickness, of course, but not by its financial side. The same for public universities.
I live in the US and I simply do not understand why conservatives are so against universal healthcare. Well, I do understand—it’s about profit, but….this is healthcare, and it’s not something anyone should have to pay for or go into poverty for. It’s maddening.
You can't just blame conservatives. Democrats have had full control of the house, senate and presidency for the last 2 years but not a peep about universal Healthcare. This would have been the time to do it. My guess is a lot of health insurance lobbyists have been lining a lot of pockets.
Load More Replies...A nationalized health system costs less to because you aren't pissing away money on inflated admin costs.
People say they don’t want socialized healthcare but don’t you dare take away Medicare. Like um, sir what do you think Medicare actually is ?
Medicare is no bargain. You must supplement it with an expensive private plan and it has a MUCH higher rate of rejection of claims than do private insurance companies.
Load More Replies...If you listen to old-time radio shows e.g. 1940s, 1950s ( there's lots of websites for them), they often include PSAs about helping the community so the community can help you. Give a hand up to the little guy, even help less fortunate people in other countries. Would sound like 'socialism' (eek!) to a lot of Americans today. What happened to those sentiments?
Greed, it's the foundation of our laws. All for me and none for you, and those at the top will do anything, including trying to overthrow an election to ensure you will always have nothing. Want a solid example? In the US, the police are only responsible for protecting assets, not citizens.
Load More Replies...Healthcare should NOT be a for-profit business. US lawmakers don't address medical debt because it's not something they personally will ever have to worry about. What happened to people becoming medical professionals in order to help others? Now they do it for the money. It doesn't matter if Bob Smith gets cancer and loses everything, as long as Dr Jones can buy his 7th Porsche. This country makes me sick and I can't wait to leave after I retire.
::John Mulaney voice:: And we were like, "We know, but hey!"
Load More Replies...Prof. Robert Kerton, Former President of the American Council on Consumer Interests, gave us some important tips for noticing scams: "The most brilliant warning light flashes when the unexpected phone or online contact explains why you must not contact anyone about the issue. You are about to be scammed. That warning light 'Do not contact anyone' means you are at serious risk. Don’t hang around, hang up.
Often the caller has a tried-and-true way to frighten you into submission. A different strategy is a promise to get rich quick. Don’t ask questions: disconnect. Your questions are predictable. Scammers have effective tactics - based on their experience - designed to get you to provide cash, or access to your bank account. If you are habitually polite, say 'No thank you' and hang up."
Vaccines and vaccination.
Not me, but those who are anti vaccination really have no understanding of virology, immunology, epidemiology or how to assess relative risk. They probably fall into many of the other things that they “think is a scam but they don’t understand.”
I have met people who had little to no education and knew how vaccines work(not everything scientifically but how they can prevent sickness). And then there are people with higher education denying the efficacy of vaccines(some of them work in the field of medicine). It's unbelievable!
Having qualifications doesn't always equal smart. It can just mean having a good memory. Some people are great at remembering facts and spitting them out in an examination setting only, not really getting the greater significance of what they remember. Certainly not applying them to real life.
Load More Replies...But why should I have a polio or smallpox or measles vaccine….I don’t see anyone walking around with this stuff ! Um, sir…that’s because we have vaccines !
Not only does it inject a microchip in your kids, it also turns them gay. I thought everybody knew that. You people have to Google Qanon more! Stay informed!
What’s so hypocritical about anti-vaxxers is that they already have their own immunity to the major and childhood diseases for no other reason than because THEIR parents had THEM vaccinated!
Vaccines don't cause autism, but even if they did what would be worse; an autistic child or a dead one?
Very well. Without it, the rates of serious infection would be much higher. It's not a 100% guarantee you won't get COVID - it was never meant to be. Hence the line in the post about not understanding epidemiology and relative risk.
Load More Replies...Knowing how they work doesn't automatically mean you believe they work or don't have side effects that are being held back. Wish people would be less naive in believing science and ask more questions
Groomed cult members and the political party that benefits when things go bad.
They are working on a vaccine to cure stupidity, but they will be too dumb to take it.
Everyone keeps telling me the Nigerian prince that’s been messaging me for the last week and a half is a scammer but they just don’t understand our love.
Dr Phil had a lady one time that fell for the Nigerian Prince scam. She gave him thousands! Dr Phil just could not convince her that it wasn’t legit.
They say these scammers use love spells to bond there "clients" I don't believe in sorcery but after watching that lady's interview I started questioning my disbelief 🤔😥
Load More Replies...There is (or at least was) a website of a guy who played the Nigerian scammers back. He kept them talking with promises of money, and got several of them to send him photos of themselves holding ridiculous signs. It's been a long time since I was on the site, but it was beyond hilarious.
Lol. Yeah, I remember that. He was hilarious. The best one I can remember was him getting the scammer to carve a 1:1scale replica of a Commodore 64 (an 80s computer, for those too young to remember).
Load More Replies...Lol those emails always remind me of the opening scene of Dirty Rotten Scoundrels
After I send air fare to my Nigerian princess, we will live comfortably off of her royal inheritance
This isn't funny. Too many people fall for those scams to no real fault of their own.
We asked Redditor Balisto2222 (Twitch) what they think is a scam and why people think things that are not scams are: "From my understanding, a scam is an electronic or analog bait to fool people into trusting the baiter with valuables (information, money or whatever). People are either unfamiliar with the meaning of 'scam' or get suspicious too quickly."
Taxes for the rich!
Especially all those right wing Christian nationalists. Oh, and anti-abortionists too. It took "em 50 years to do it , but they are managing to control your life so you have to live according to THEIR beliefs. I call them the Christian Taliban because there's really no difference. They would also love to have religious police to force you into church. Gotta make myself stop now!
Load More Replies...Oh you mean like when the panama papers got released and nearly everyone worth more than 5 million commits tax evasion? Oh and until now nothing happened at all?
Well the reporter who broke the story *was* blown to pieces in front of her son, so I guess *something* happened. /s In her son's words "I looked down and there were my mother's body parts all around me."
Load More Replies...The wealthy old farts keep talking about the “good old days” back in the fifties, so let’s bring those days back. Specifically, let’s bring back the 90% tax on the wealthy that was in place when Eisenhower was President.
And wage disparity was separated by double-digit percentages, not tripple.
Load More Replies...But the rich do pay the majority of the taxes?? Furthermore, rich people create more jobs which means more revenue for people. I understand the whole “I’m not rich therefore I’m a victim” mentality, but when you compare it to reality it’s just stupid.
Did you see the news on Trump’s tax returns last week? Any salaried American paid far more than him the years he paid $750.00 or nothing in taxes. The rich would love you to think they pay more taxes than you. But the reality is they have tax lawyers and accountants to find every possible loop hole and often pay sweet FA.
Load More Replies...People that say this nonsense are poorly educated people that have no money management education. Once you start making middle class income u see who's actually getting taxed to death.
Stop blaming the poor. The middle class has been dying for years.
Load More Replies...Fun facts, in the u.s.; the top 1% of income earners pay 39% of all federal income taxes and more taxes than the botton 90% combined, the top 50% of earners pay 97% of all federal taxes. I guess the rich are being taxed.
The richest claim the most “tax breaks” & income adjustments and appear to have less income and therefore pay less taxes, like say, $750. While claiming to be a billionaire. As for making more jobs, they tend to make more low paying jobs. Jobs with no benefits because they only hire part time employees. Let’s not forget driving companies out of business because they utilize their services then declare bankruptcy so they don’t have to pay bills or taxes.
Load More Replies...Churches pay taxes in the US; someone has been brainwashed. The separation of church and state simply means the church can't run the government, NOT that church is exempt. Go to church and find out how good life can be.
Shoes for Industry. Shoes for the Dead. Taxing the rich and religious organization are a communist ploy to destroy our country/s
Therapy. People just can’t fathom that just talking to someone who is not involved directly in your life can really help with processing and resolving a problem. You only get out of it what you put in.
I didn't realise how damaged I was until I had therapy, I thought I was just a stupid and worthless person. It helped me understand the causes of my hidden but self destructive tendencies. If in doubt please try it!!
Or did the therapy convince you that you are damaged? Let's face it, the therapist doesn't get paid if he doesn't create reasons for you to continue returning to them.
Load More Replies...I have been trying to get my sister to go to therapy for ages. She doesn't know how to deal with stress and creates more stress and I am afraid it will kill her b/c she is so highly strung and has high blood pressure. She makes herself physically sick with stress and worrying. She does have some seriously stressful things in her life right now and doesn't handle stress when times are good.
A person who loves you will be of more help than someone who is paid to care for you. Churches have a high success rate over shrinks.
I disagree that therapy is beneficial for everyone. For myself and other socially anxious people. The thought of talking to a stranger at all never mind about very personal subjects fills me with dread. I also tend to show demand characteristics when in such situations, that is I say whatever the I think the person wants me to say (regular GP appointments are a disaster for the same reason). I have tried it and never went back after two sessions as it made my anxiety worse to the point of getting no sleep due to running over the session 100 times in my mind and berating myself for talking pish.
While talk therapy might not be for you, you might enjoy group and single sessions on behavioral therapy. Basically, they teach you coping skills to deal with triggers for your anxiety disorder and possible panic attacks.
Load More Replies...Therapy was a huge waste of money for me and did not help at all. What really sucks is the doctor said I was required to see a therapist for anxiety in top of medication while my insurance covered none of it. It was either eat or go to therapy and I couldn't afford both.
Well I doubt any theraphy one isn't really willing to do would help much, as it's about getting help to help oneself. If a person doesn't want to help themselves, there isn't anything anyone else can do, until they change their mind.
Load More Replies...I have known several folks who thrive in life by going to therapy. Personally my lowest friends don't get me and have yet to find a therapist who understood me either. So I talk to my pets and the winds. However the biggest problem with that option is not hearing constructive opinions or reflective answers as to why I have death dreams before people or pets die.
Well my mum says I don't need therapy so we good apparently=|
They also gave some advice for not falling for scams: "THINK. BEFORE. DOING. It's the most effective way to not fall for scams or even receive scams in the first place. Mainly consider: 1) is there anything suspicious about the 'scam'? (ex. any private information you need to enter, do you have to do something on an external medium like a website or download, etc.) 2) Where does the "scam" come from? (Do you know the issuer, is the issuer's account/contact information legit, how long has it been active, etc.) 3) Is the motive of the bait itself suspicious in any way (too good to be true, simply unnecessary or excessive, etc.).
To prevent potential scams or any harmful threats towards you, simply don't give away any contact information, whether on the internet or literally publicly. Sure, you may be contacted randomly by scammers at any point, but this would prevent any scam directly directed to you."
I know I'm late to the party on this comment. But in America the sad answer is this is how people are stating to look at unions. People saying "I don't wanna pay union dues every month" even though my dues cost me less then 2 hours of work a month and my wage is more then double what I would be making non union and that doesn't count the benefits that aren't even supplied to non union guys in this trade.
I've posted about this before, but I'll repeat it again: People who hate unions don't realize that the 40 hour work week, which used to be 12 hours a day ,6 days a week, workman's comp, paid vacations and holidays, Retirement, and a lot more, are all benefits fought for by unions which then gradually passed on to most businesses, to the benefit of everybody, but try telling that to a republican, they don't want to hear about that Communist bulls**t.
Need a new pic, that's not a union meeting, that's a prayer circle...
My union dues are more than 2 hours a month. And I work 12 hour shifts. 21 years with the uaw, and my insurance and whatnot was better when hired in, than is now. Does whoever wrote this have working experience?
Your union is doing you a disservice then. On average Union workers are better protected than non-union workers. Unfortunately, the fact that it's on average means some unions are worse than others.
Load More Replies...My monthly union dues are literally one hour of pay, and I have SO many benefits and protections thanks to our union!
I've worked for several unionized companies. The pay is great but the attitude is poor. "What are you up to today?" "Oh, as little as possible." I don't think I ever pass a road crew where even half of the people are actually working, the rest standing around.
Join the union, wait a few months, if it’s not working and the leaders of it won’t listen to you then leave it.
I'm a union carpenter and my working dues are $1 per hour and sitting dues are $30 a month. If I were a non union carpenter I'd be lucky I'd I was only making $10 per hour less than I do now. I have great benefits, get discounts at a lot of places, retirement and more... everyone should unionize
For a depressing amount of the UK: the EU.
It's always refreshing to find out that the US doesn't have a monopoly on uninformed people who don't know how to think, you know, like Trumpers.
The uninformed are everywhere sadly. Think about it - average IQ is 90 to 110 and that's not smart (I know its not a great measure). Too many people were sold a load of lies and wanted to believe things would be better. They are, of course, still waiting. Some are still sure it was the right thing to do even though it isn't better. Can't help some people.
Load More Replies...What’s frustrating is that we had the best deal in the EU compared to the other countries with our rebates and opt outs. All gone and we are much poorer for it. Brexit was pushed by people like Reece-Mogg as he would have had to start paying taxes. What was laughable was Farage moaning about how the eu was treating the uk fishing industry. He was our f*****g rep on the fisheries commission. He never bothered showing up to the meetings.
Well.. The funny thing is the opposite was indeed a scam: the Uk being part of the EU was kind of a con for all the other members. The country was pretty much a parasite, benefiting a lot from the open market but with dozens of singular exemptions and far less restraints. Not saying that the EU is better off after the brexit, but it is definitely saner without a member undermining it from the inside while playing the victim.
Generally speaking the majority of the Brexiteers were over 60 and right wing. Not many young people turned out to vote believing wrongly that it was something that didn't effect them. Everyone I knew was shocked when the vote came back as leave but they didn't turn out to vote. Now they're complaining their pals having to leave to go back to EU, the price of food is sky high and you can't travel freely to mainland Europe. Mind you all the leave voters aren't happy either because they stupidly thought the navy would start machine gunning refugees in the English Channel or some such. Because of course all the UK's problems come from a handful of poor displaced people risking their life in a boat.
"YOU NEED US MORE THAN WE NEED YOU! YOU NEED US MORE THAN WE NEED YOU! YOU NEED... ... ... help us" - James Acaster
Nice to see Americans aren't the only idiots. Brexit was probably our version of laughing at the USA. We got to laugh at the c**p show going on in the UK. 😂
Some people just like to be bullied by our own politicians, not the foreign sort.
My estimation is that a lot of Brits voted 'exit' as a 'protest vote' against 'those bloody bureaucrats in Brussels', and relied on everyone else to vote 'remain'. Then they could say 'well, don't blame me, i voted to leave'. Unfortunately, too many of them had the same idea.
That’s putting in politely: Most Brits voted Brexit because they are simply scared of people with Brown Skin.
Load More Replies...The Redditor also shared if they think scams will become more prominent: "Obviously as technology and insights about human behavior evolve there will be more and more scams that work in favor of the issuer utilizing those insights and technologies."
Declining pay rises because they think they'll pay more in tax and their take home will be less than before the pay rise.
EDIT: The amount of comments claiming it has happened to them is really disturbing. Learn how your taxes work people .
This one is undoubtedly an error from the OP who doesn’t understand how personal finance work for a lot of low wage workers. Taxes are not the only parameter. A pay rise might induce the loss of social supports, or the change of category for some benefits. Earning 10% more but losing your housing arrangement (rent control, public subsidies) for example may not be worth it.
While that might be a consideration, the people who put forward this reasoning tend not to be minimum wage, social support users. The ones making this argument are the ones just below a change in tax bracket. The "theory" goes - I'm paying 20% now, if I get a pay rise I'll be paying 40% - completely failing to understand that it's not 40% of the new salary, but 40% of the above the threshold.
Load More Replies...In the UK we have several "cliff edge" benefits such as child benefit, where earning one penny over the limit can lose you thousands in benefits, but this is never the case for taxes.
I don't know about every country, however i known this can happen. If that pay rise will change your tax bracket for example. Or it can be a situation of you lose some benefits because you will be paid 1 euro/dollar more than the max allowed for that benefit.
Most countries I've lived in it's bracketed. So for example you might pay 15% on the first $35k, then if you earn over that you will pay 20% on the rest. So if you went from $34k to $38k you would only pay the extra tax on $3k. (disclaimer - I have pulled those figures out of my a**e because every country had different tax rates and thresholds). It might affect benefits though.
Load More Replies...Depends on what they want me to do for the raise. There are jobs they would like me to do which I actively avoid. My sanity is worth more than what they would pay me.
My most recent increase in pay resulted in my no longer qualifying for a range of benefits which meant that I’m a little worse off than I was before. I dont earn less because of tax but because of my new pre tax income I no longer qualify for discounted energy, car registration and medication etc, the additional costs outweigh my pay increase. That said, I don’t think this will be my last pay increase so I deal short term pain for long term gain.
When my pay goes up but my take-home goes down (earning about minimum wage years ago) is a real let-down realizing someone else is getting my raise! Sad.
Its not about taxes. If you are low wage and on some safety nets, there are overlapping rules for what you qualify for based on income. I.e. foodstamps has an upper limit. If you're close to the limit, a small raise can take away foodstamp coverage BUT not be enough to make up the difference. So, pay goes up but you have less money. My family has been through this, so yea it happens.
My husband swears that's what happened to him last year. I've tried to explain it a dozen times, but he's convinced. I'm waiting to see what our taxes are this year hoping it'll help clear thing up for him.
My dad and online banking. You can check your balance, make transfers and even set up standing orders. "But my account will get hacked" is his response every single time.
My wife is the same. I try to explain that you can check your balance at any time and spot if something is wrong much quicker than Iif you rely on paper statements.
And if someone hack the bank, you probably will get the money back from the bank. For them not to get bad publicity. But keep your login info to your self!
Load More Replies...My solution is to stay broke. If anyone hacked my account they'd either be mad at the wasted time or start a go fund me thing for me.
Mine used to tell me not to open an email I wasn't expecting, even from my contacts. Not sure how businesses and the bank would let me know I'd get an email from them, but sure enough, he'd always send me a text to let me know he'd sent me an email.
My employer says this too, I work in customer services so if I followed the rules I wouldn't open any customer emails.
Load More Replies...The scam is not in the online banking, it's on the email that look almost identical to the one from the online banking
Mine too! He freaks out over the stupidest stuff because he's sure he's going to get scammed if he does anything online/on his phone. And then he leaves his car unlocked or his spare house key in a completely obvious place. Ridiculous.
In fairness, it might be the case that those less tech literate might be at a higher risk of tech based scams and identify theft.
Yet physical branches close because 'online banking' but try and call someone when you need to? Banking is the scam. Life is a scam. America designed the template.
Same as not using cash. People only think about the immediate don't they.
Load More Replies...My friend is the same way. Pays everything by personal checks and sends them through the mail. She can't grasp the fact that all of her personal information and account numbers are all stored in computers and processed electronically. I swear she thinks there is a little old lady with a rubber stamp that says "PAID" and the bill is put into a filing cabinet!
Ugh, my parent's oppose online banking not for fear of hacking, but because they "don't want to do the bank clerk's job and pay for it". On the other hand they constantly bicker about the bank closing down another branch office instead of switching provider. They may have a point, but I'm just tired of constantly listening to their rants. They're not gonna beat the system by being old people yelling at clouds.
They also shared some of the more popular scams they've noticed: "Probably did, likely forgot, if I'm being honest. At least, as I have been actively moderating on Discord for the past 1.5 years, I'll list off a couple examples of more subtle scams there, put as many as you wish in the article:
- Discord Nitro scam: someone from your friend list DMs you a gifted subscription to Discord Nitro, the link leading to a fake site that steals your login info once input and then uses your account to scam other people on your own friend list.
- Playtesting scam: Someone sends you a file or a link to a file, asking you politely to playtest the supposed game that, when run, hijacks your account, steals your information and uses all to further scam others.
- Steam report scam: by far the most popular scam lately, works by someone DMing you a fake screenshot of your account apparently scamming them, then telling you that they mass reported your account on Steam, if you believe them and continue talking the scammer leads you to another account of a supposed Steam moderator who sends you a link that gives them access to all your data if clicked.
- Cryptocurrency scam: widely popular on the internet and exists on Discord as well. Some account DMs you that you won some cryptocurrency and leads you to some external website or Discord server with an external verification process that hijacks your account and information."
Travel Insurance.
It was great when they arranged all travel from overseas apartment to our house when child broke their ankle on an internship. Paid all of the our out of pocket expenses, including our deductibles/copays until child was functioning.
edit—we’re American
Who doesn't take our holiday insurance? Like who leaves their own country to a foreign one without the guarantee that should anything happen (from lost luggage to broken leg to death) the costs are all covered? I went on a cruise in the summer and bad weather meant we couldn't dock in one port so it turned into a sea day (no big deal) and insurance meant we all got £150 compensation in my party for the trouble. You see so many people every year posting go fund me's because they or a loved one are stuck in a foreign country (or their body is) with an injury and a massive hospital bill and no way of getting home. All when they could have paid like £10 (so long as they have no medical issues but if they do then all the more reason to get insurance!!) for insurance and peace of mind. I will never understand the logic of not taking it out!
I agree, people should factor it into the cost of the trip (especially if you're young and healthy so insurance isn't too expensive).
Load More Replies...Never travel without travel insurance. Never let your kids travel without it, even if you pay for it yourself. One medical incident can quickly become a lifetime debt. Just the cost of getting to somewhere with decent medical care could be crippling, without insurance.
This one actually depends, honestly. If you already have a credit card, check your terms and conditions. Most credit cards actually provide travel insurance so in this case it would be a scam. Same for rental car insurance. If you already have car insurance, chances are it covers your rentals as well.
I had never even heard of it until getting involved with my british husband. (american here)
You cannot get in to the US without travel insurance particularly health insurance. You won’t get in.
I usually buy it even flying locally, it's usually fairly cheap, forgot one time when my sister and I were visiting family on a sudden illness and kind of was distracted. Of course flying back the connection was cancelled and no other options do to weather (high wind and dust due to construction at connecting airport or something), was pretty upset. Lucky I thought to check my credit card since it was a airline points one. And the concierge service on it had some kind of auto travel insurance. Got compensated for our food, and hotel and made the next day just fine. $300.00 or so. Not sure if actual insurance would have compensated for lost time too, but what we got was pretty good considering no other options and airlines don't help like they used to. So just a reminder to also check with your CC company you used to pay
I work in the Property and Casualty Insurance industry, never considered Travel Insurance a scam. There are so many random variables in life that can happen and really mess your trip up. A major accident, tour operator goes belly up, lost luggage (had that happen to us once, didn't buy the insurance as it was a quick two hour flight for a relatives funeral and the luggage was back at our house the next day, if this was a week or two across the country or different country, yeah, I would have purchased the insurance). And its not that expensive, particularly if you know what coverage your credit card offers automatically, so you can make informed decisions on what coverage you need. On top of that, I also register with the State Department when travelling out of the country, that way if stuff hits the fan all of sudden they can inform me the nearest consulate I can evacuate from.
I know people who don’t buy travel insurance because they purchase their flights and accommodation via their credit card (which has its own insurance for purchases) and they visit countries with reciprocal health care.
Modern medicine. Like Cleetus, we just want you to not spread COVID, it isn't gonna make you gay.
Maybe Cleetus is scared from becoming gay just because Cleetus already has gay feelings but tries to hide them, but that's a different topic.
The real scam is how can one company make a medicine and sell it for 80p for 24 capsules but another make exactly the same medicine and sell it for 4 times the price, especially to hospitals.
The same company can sell it for 80 p in Britain but $18000 in the US.
Load More Replies...If not mistaken it is the uneducated hillbilly from the cartoon series The Simpsons (at least that's his name in the German dubbed version).
Load More Replies...If the worst thing that could happen is that you 'turn gay', I'll accept that.
Wouldn't be surprised if the anti-gay movement consists of people who are afraid of coming out of the closet. Like preachers who preach against the sins they have already committed,
Veterinary care.
People don't understand that I can't just dispense certain medications without seeing the patient first. Some of these medications could cause fatalities or worsen the situation if used/prescribed wrong!
Idk about elsewhere but here in the US, veterinary care costs have gotten so high that people simply can no longer afford to take a pet in. There’s a big shaming that happens and not a lot of helping. Vets that quote several hundred under what they end up charging make it that much worse. It should not cost $1000 with a result of oh he has a tummy ache here is 14 omeprazole for another $20. (Based on a true story) Edit: The number of animals being dumped in my area has gone up a lot since inflation and veterinary care prices went up.
Why are the same drugs for animals that humans also take 90% less in price?
My dog needs 7 eye drops a day for life. I pay $50 a bottle. My Dad had the same drops after cataract surgery. He paid $9. That's a f*******g scam.
Does your dad have insurance? If so, what would he have paid without insurance? Also, your vet can call meds into a normal pharmacy if that's how you want to do it
Load More Replies...I love my pets vet. He isn't cheap but he is honest, straight forward, and good. The advances in veterinary care for all animals is wonderful.
I have to admit, growing up in the 60s and 70s we had a much different attitude to pets. Yes, you would get them their shots and take care of them. However, if they were going to require care that would break the bank you would find other ways to take care of them. We didn't have "fur babies" or use them as a replacement for actual children. Not saying it was better or worse, just different ways of looking at animals.
difference between a vet and an MD? MD is only trained to treat one species...
In the US, universal healthcare 😞
In the US, decency towards fellow human beings.
Load More Replies...Listen, the majority of people in the US actually WANT this, but there’s a small and very loud red minority who cheat their way into political office, jump right into the back pocket of corporations—-including the monster that is private healthcare—-and always vote down, or at least water down, any legislation for a national health system. Obamacare was supposed to have that option, but republicans wouldn’t vote for it until that option was removed and the rest watered down to a shadow of its original, intended form. F*****g frustrating for the majority.
What makes that whole US - universal healthcare thing such a travesty is that they have literally the perfect economy to do it. They wouldn't even have to raise taxes... just take it out of their Military budget (they wouldn't feel a thing) and EVERYONE in the US, including Puerto Rico, US Virgin Islands, US Minor Outlying Islands, Guam, American Samoa and Northern Mariana Islands would have free healthcare. Especially the veterans!
I'm sorry...I AM for single payer but, it ain't free. I would be willing to take the 40% tax bite to get it. In the US, we do NOT trust government because we see corporations take advantage of us. Ironically, government has more restrictions on it's reach than corporate has.
Load More Replies...I never understood how universal healthcare is "too much socialism" for muricans but heavy tax progression they have is completely ok... I can't even think of anything more socialist than progressive taxes
I tell Trumpers that when Canadians hear how much I pay for healthcare, they usually laugh in my face. Right wingers tell me that you can always find a Canadian health clinic by looking for all the bodies stacked up outside, because socialized medicine is so bad.
The USA is so f****d up right now that I see very little hope for the government pulling their heads out of their asses and moving in this obviously better and more responsible direction.
NASA, physics and anything about the earth being round
The flat earth is the scam. Those people profit of the gullible and some of them know the earth isn't flat and still do it.
Sometime I have speculated they would need medication and therapy. But money-shenanigans and greed probably more correct.
Load More Replies...If the Earth is round, then why doesn't all the water pool at the bottom of southern hemisphere. Gotcha round Earthers.
I saw a depiction that looked like the Ice Wall from Game of Thrones holding the water in place. 😂
Load More Replies...Unfortunately people just want attention and to them any attention is good attention.
Can someone please explain to me how air travel works in a flat earther's mind?Where are the edges? How can you get to any country from the west and the east? Daylight and seasonal cycles? I mean apart from the obvious ignorance of proof it's just not logical!
You see in my other comment the way most flerfers think earth looks like. The really large distances here are between south america, south africa and australia. Most of the flights between this areas will land on the northern hemisphere, as their isn't much travel between these areas directly. Flerfers see this as proof of flat earth. Also you can see that you get nowhere near the edges. The sun is only a few km from the earths surface, and goes in circles above the equatorial line. Seasonal circles are usually completely misunderstood by the flerfers. There are dozens of videos of them failing at understanding seasons. I conclude that there aren't people stupid enough to believe in flat earth that are capable of understanding how seasons are supposed to work. If they would have a grasp at understanding fundamental physics, they wouldn't be flerfers in the first place. If you have further questions ask away, I love talking about those dimwits :D
Load More Replies...From an actual discussion: "So the Earth is flat?" "YES!" "So what shape is it?" "It's flat" "Yes, but what SHAPE is it? Is it square? A rectangle? Hexagon? Disc?" "Er, it's a disc!" "So what's on the other side of the disc?" "What?" "So what's on the other side of the disc?" "Er . . ." The answer is, of course, four giant elephants riding on the bag of a turtle - the Great A'Tuin.
If the earth was really flat, wouldn't all the Chinese people fall off?
We had a gal in the telco who was retiring under a surplus - meaning they would pay her so much for each year she worked, in addition to her pension. She turned the money down because she didn’t want her taxes to be too high. I didn’t know her and heard about it after she left. The Union guys tried to explain it but she just would not listen. I don’t know if she thought it was a scam but she didn’t trust the IRS
It's pretty obvious that she's learned about the Deep State, probably from Qanon.
I think it’s about tax brackets. Many think that if you get into a higher tax bracket, your whole income would be taxed at a higher rate. You would lose money. That’s not how it works.
You go and find a good, professional tax advisor. They can ensure that you pay the minimal amount of tax that you need to, and not more. It can save you heaps!
Load More Replies...Combination of a lack of both math and tax literacy! Like folks who think their saving money by having a mortgage deduction...
Me: How much tax do I owe? IRS: We know, but we're not telling you, and if you DARE make a mistake then fines and jail. Thanks.
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The repair industry. I worked in home repair, small engine repair and computer repair shops years ago. A lot of people expected us to just fix things for free. Others would take it as an insult when we would quote prices or ask to be paid for a job. Send a bill and some people would ask why or what is this. Ask us why we were ripping them off even though the bill was itemized and the price was discussed before hand. It was a horrible industry to work in because of they way people are.
Have a friend who does this on the side. Sets up peoples smart tv’s, computers, stereo s for Bluetooth. They freak out when he explains he doesn’t do it for free. If you want someone to spend hours helping you do something that you can’t do yourself, you compensate them. Why do people think they should get stuff for free ?
I'd include anyone doing craft or artwork on the side. My sister has a small business creating art glass that she sells on Etsy and through a couple of local gift shops. She also works part time elsewhere. She takes commissions, but very regularly gets people complaining that she should be giving them a discount or making it for free because its a hobby and she enjoys doing it. Asking people to pay for her time, skill, the use of materials, the cost of firing a kiln etc is perfectly reasonable, but customers seem to think its a rip off (and what she makes isn't expensive, we're talking £5 for a coaster, £5 for lampwork glass beads, £15 for a tealight screen, but they think she should gift it to them)
One of my friends has a side business making various craft things and other items like Lego brick inspired money boxes. We have bought a few things from her and always paid full price as we want her to succeed and the best way to do that is to purchase her wares at full price.
Load More Replies...Dealing with some members of the public can be a real pain in the a** at times.
Yup. Doesn't matter if a 5 min fix. Shops still have overhead and licenses to pay for. Be lucky it was just a 5 min fix.
They forget that it's only a 5 minute fix because of my 20+ years experience finding and fixing problems. You pay for the expertise.
Load More Replies...THIS! I run estate sales for a living and was a dealer/reseller of vintage and antiques for years. I know a lot about all sorts of old stuff. People always want my help with garage sales and pricing etc. Now, I don't mind if a friend buys some cool old thing and asks me what it is or if it's valuable, but when people just expect me to do what I do for free for a whole day or send me a list of stuff, it pisses me off. It took me years to gain all this knowledge and how to find information quickly and I make anywhere from $25-85 an hour for my expertise depending on various factors. Like I don't expect my mechanic friend to fix my car for free but am comfortable asking him a question or two to diagnose an issue or asking advice. I don't mind helping for free to an extent but not if it becomes real work.
Common one as a domestic electrician. Go to do requested job and get, 'While your here, could you just ....', then don't want to pay for extra work.
If you paid once for something, you don't want to pay again for it. The next big problem is, that repairing often costs the same as if you buy it new and won't last as long as a new item. If you don't reapir expensive stuff like a bicycle or a car people don't understand the prices or are just too poor to buy the new thing.
Yea, that's basically the case for any kind of contractor or sole proprietor. People expect you to do it for free because your friends/family, for the experience, for the publicity, because it's for their kids and their a single parent, because "it's not that hard, I could do it myself. I just thought you liked to do it., etc.
My dad and step mom once freaked the f**k out because the census was at our door. They said, "she doesnt have a marked car. It's a scam" she had a badge and clipboard. Then my psycho step mom proceeded to get mad at me for opening the door. For the census.
I did our census form online. UK though. Not sure how other countries do theirs
US you can do it online, you could also fill it out and mail it (they send it) but people who do not reply go on a list and they send people down there to help fill it out
Load More Replies...I'd never heard about "The Census" before, so for anyone wondering the same: The Census Bureau is the federal government's largest statistical agency. We are dedicated to providing current facts and figures about America's people, places, and economy. Federal law protects the confidentiality of all the information the Census Bureau collects.
"Hi, do you have a minute to talk about our lord and saviour? Also, how many of you live here? Your ages? Do you all work? As what? What are your individual incomes? What is your race? Do you identify as heterosexual or are you a part of the LGBTQ+ community? And now those annoying questions are out of the way, let's get back to God."
Well, let's face it, gathering data by going door to door in stead of maintaining a proper administration with enough incentive for people to let their municipality know where they live and if children were born or people passed, really isn't fitting for 2022 now, is it?
Not nearly as efficient as Zuckerberg, Musk, etc..
Load More Replies...I have yet to see 2020 data in an almanac. They still refer to 2010 data. Did we lose a decade?
In The UK census information isn't on general release for 100 years. We've only recently gained access to the 1921 census.
Load More Replies...I was a census worker. Yes, we use our own cars, but there is a banner displayed in the rear window. We wore badges with our photo and used a smartphone with limited access to submit answers. I would say 80% of the people I was supposed to interview were the ones who did not want to be found. I quit before the end because they kept sending me to a part if the next city over where I feared for my older middleaged female life. Hear about shootings on those streets regularly.
The supplemental census forms asks for a lot of personal financial information. The purpose of the census is to count people for congressional apportionment not to collect info on my financial or personal life. I'm not one of the aluminum foil hat crowd but I despise giving out information to people who don't need to know.
It does a lot more than just determine congressional apportionment and the financial information they request is broad. It also helps determine how many people in your area are living below the poverty line, at the poverty line, above it, etc., which affects programs that are offered in your neighborhood. The data is not identifiable on an individual bases and is used for many, many things you depend on but don't realize they are based on census data. This information is used to determine a lot of Yes, you are part of the aluminum hat crowd.
Load More Replies...Wearing a mask
I got Covid less than a month after the government removed the mask mandate (South Africa).
I hope you're doing better now and I hope Roxie manages to remember how to do basic stuff with just two brain cells!
Load More Replies...Unless it's a n95 or equivalent, your mask is minimally effective for preventing you from getting it, other viruses its more effective. If you mean about preventing you from spreading, Medical masks are about 70% effective, and cloth, depending on the materials, it between 5% and 80%. So when it comes to masks, it depends what masks and what your goal is.
Yes but as someone who wears a mask I think this is just a symptom and we'll lose the war if we won't talk about the causes which are diverse and need to be discussed with those people who refuse to wear a mask. I know the ditches are really deep but we need to build bridges.
Pet insurance. Everyone freaks out because you have to pay for the services up front and then the insurance pays you back. Everyone I've talked to won't get it because "they won't pay me back!" Or "If I have to pay up front anyway, what's the point?" Look, when Fido gets cancer and needs chemo...you're going to be thrilled you will be getting that $6k back (or whatever it is). We have a Boxer, and they are known for cancer. My first one actually did die of cancer. So, every year we have to pay for a physical and cancer screening. It's pricy, about $600 bucks. However, I get that money back every single time. Plus I have the reassurance that, if she gets sick, I'm covered. I highly recommend pet insurance.
Again, not that people think it is a scam…people just can’t afford it anymore with inflation. I don’t know anyone that has $6k to drop at any given moment so pet insurance really doesn’t help them…
I'm probably going to get all sorts of hate for this, but if you are the sort of person who wouldn't put your animal through lengthy, painful and invasive treatments then paying pet insurance is paying for all the people that will. There are people who will spend tens of thousands of pounds having joint replacements all round on a horribly inbred dog that will be in pain for the rest of its life rather than admit that it has terribly poor quality of life. If this commenter is getting back more than their premiums *every year* then all the other premium payers are literally paying their bills. Put the equivalent money to the premiums aside in a savings account for when you need it, and don't buy an animal that is overbred to the point where its health will suffer. If boxers are so genetically messed up as to routinely get cancer, then why the heck are you supporting their breeding?
$600/year = $50/month... what's your phone bill cost? What's your internet bill? How much do you spend on pet food/month? What's your house/condo/apartment insurance cost?? It's really not that pricey when you want a pet, take a look at the general health issues they -could- experience and do the math.
You just answered your own question. With all the other necessary bills being so much money, that leaves little to no room for pet insurance.
Load More Replies...Bought By Many/Many Pets... you pay a higher price to start but the premiums NEVER go up. Five years ago £30 a month was a lot, today it is not (comparing prices to other insurers). I have two dogs and my oldest was insured with another company, before I had heard of Many Pets and his premiums are painful, especially now he is classified as a senior dog.
I'm lucky, my work's insurance includes pets for like $1.50 a week. So I got it for my cats. Haven't had to use it yet, but it's there.
The point of pet medical insurance for most people is the same as human medical insurance, so they don't have to pay large costs upfront. It doesn't really matter if it's some sort of refund situation when you don't have the money upfront to pay it to begin with. Rebates are cool but benefit the already wealthy.
I highly recommend not getting inbred pets that are prone to problems.
The actual scam is the price of any medical situation in the US for animals or humans which makes insurance a necessity unless you're wealthy because the costs are often arbitrarily decided upon.
Making two purchases. Everyone I know thinks they're going to pay more tax if they make two purchases, rather than two items in a single purchase. It boggles my mind that they dont understand when I try to explain that "14% of $20, twice, is the same as 14% of $40"
Include the tax in the price on the ticket USA. That would be a good start
It would, but since each county sets it's sales tax customers get upset the "national price" for large companies are different depending on location. Giving one "retail price" then adding the tax later gives the illusion of lower prices to consumers.
Load More Replies...This sounds a bit like the people who feel that they're getting short-changed if they're given 1/3 rather than 1/4.
A strange misconception indeed. And one that can be whiped out in one blow : require every business to show the price with taxes or vat included.
There are over 10,000 taxing jurisdictions in the US. On a single transaction you may pay state, county, and city sales tax. Los Angeles for example 6% state, 3.5% County and special district. Travel 30 miles to the east to Orange County it is 6% state, 1.75% County for 7.75%. The merchant collects and remits this money to the various taxing agencies. Once a government starts getting money the only thing they want from you is more money.
But they want to rewrite education to fit their lack of it......
Including the tax in the price of an item is a terrible idea. How would you ever know how much you're paying in taxes or if it was calculated correctly?
By reading the receipt - by law you have to put the amount of taxes on the receipt. (Sweden/EU)
Load More Replies...sales tax drives me mad. I run estate sales(as I have mentioned) and we collect sales tax. People argue it all the time, saying "but we don't have to pay sales tax at a garage sale!" or that they should have to pay it b/c the items were taxed when the original owner bought them. I have to explain that we are a real business, registered with the state, so when we sell anything, we have to collect it and pay it every 30 days to the state. Professionally run estate sales are not the same as running your own garage sale.
Some members of my family think internet providers are scammers because they pay for 400mbps download and think they will get 400mbps download on each device even if someone is watching Netflix or downloading at the same time on another computer.
I was unhappy with the speed that I had versus what I was paying for, ended up getting a new modem and router, now I get the speed that I am paying for.
Not to mention that mbps is usually the connection rate, not the download rate. Divide it by 8 and you will get your rough download rate.
Download speed depends on more than the actual speed at the router, which is what is advertised. I get about a third of that speed if I use my laptop wireless a room or two away from the router. My laptop WiFi circuitry is over ten years old and may not be able to receive or transmit at the same speed as the router. The only time I get the advertised speed is when I am connected to the router by an ethernet cable directly. And nothing else in the house is also using the WiFi.
400mbps? I have 1gbps. On a bad day I get about 700mbps. On a good day I get full speed.
The air in bag of chips.
It’s not air. It’s a gas to stop them going stale. But some companies but too much in and leave very little crisp content.
They are sold by weight. The gas doesn't just stop them from going stale, it protects the contents from breakage. You're not getting ripped off if your 30g bag has 30g of crisps in it, no matter how much extra space they give them.
Load More Replies...First Complaint: All the chips (crisps) are crushed, just a bag of dust, what a ripoff!! Second Complaint: All the chips are fine, but it's mostly a bag of air, what a ripoff!! Just no winning...
It's Nitrogen. Air in the bag would make them go stale faster, potentially before sale. Specifically the 20.8% Oxygen in air.
Those people must like lots of crumbs, the air is a cushion to stop the chips being ctushed
Sold by weight. The "air" is generally stuff that preserves chips. A pound of feathers weigh as much as a pound of bricks
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The stock market. Lots of people over worry about the short term, withdraw once it dips and never put back in. Never realizing the magic is in the long term
I once read about a scientist who gave a chimpanzee a textmarker and a list of stocks. Every venture the monkey highlighted, the scientist invested in. In overall he made more profit than most of the professional traders in one year (about 15%)
Load More Replies...I'd have better luck at casino pulling on the one armed bandit, than stocks
Nowadays people tend to play it like it's the biggest casino in the country.
Recall Jon Stewart's interview with Jim Cramer. If you have never seen it...Google it...classic.
Load More Replies...Yes and no. If you have the luxury of spare money that you can lock away for decades and not worry if it all disappears, then fine. My grandparents left me 60k in their will when I was 5. It was invested in stocks by a so called professional investment firm who supposedly managed it. I inherited it at 25 by which time it was worth 15k. Even in a basic savings account it’d at least have kept its value.
The stock market is like Vegas... except the odds are in your favor. Play consistently and evenly and you'll eventually come out ahead. Far, far ahead.
The stock market is smoke and mirrors, dependent almost entirely on the whims of men. Futures? What a joke. Yes, I invest, but not a ton.
There was a time when my parents thought buying stuff online and paying with a credit card it's a scam, took me a while to convince them that if you know which sites are good to order from and which are bad, you can actually avoid scams.
Quite a bit of insurance, actually. I work for a legitimate online retailer and we go out of our way to make all customer issues right. Yet, on the rare occurrence a customer disputes a purchase from us with the card issuer, even if we have evidence against their dispute or that we resolved it the customer wins the charge back around 75% of the time.
Load More Replies...If you know which sites are not scam, then it's not scam. You don't say! (I know it's not the point, but it still made me laugh :D)
Nope.. my dad is SURE that if he pays for something online, his accounts will be hacked.
Credit card points. Literally free money if you have an ounce of discipline.
I live off my credit cards, earn 3% cash back on every purchase and pay the balance off before the bill is due, credit can be a gift or a curse, just gotta know how to manipulate it
Same. I get airline miles on one card and cash back on the other. Free travel and spending money. I pay the card off in full in every two weeks.
Load More Replies...No kidding. I ALWAYS use my points to pay down balance. Never use your points on product.
It's only kind of free. That money comes from increased rates on either other card holders or the vendors. Which is why we used to get cash discounts in some places. Now they are all the same cost, no cash discount so it's the better for you to use a card and pay off. Except of course the higher rates affect probably poorer people who hit a rough patch and get stuck with a balance they can't pay off. ...of course of every one could and did pay off their balance every month the points would either be reduced or just reflect on stores raising prices of product to cover increased fees for processing... Just kind of a loop now, cards cause higher prices, and the only way to get back some of it is to use your card.
Free money - I have a credit card for a department store. We use this for almost all the things we buy almost everything using this card. At the end of the month we way off the balance, and once a quarter we receive gift vouchers to use in the shop. This equates to 'free money to me as the vouchers can be used in a shop we use frequently.
Load More Replies...In the UK, student loans. Most know they are incredibly favourable, but I still see some talking about how bad they are. There is a minimum wage bracket to pay them back, you are only charged a percentage of the amount over the bracket you earn. For example if it were 10%, and bracket was £200, and you earn £220, you only pay £2. And the entire loan gets written off after 30 years. Yes some people pay £300+ a month, but that's when they are earning over £100,000 a year. If their earnings stop or go down, so do the payments.
Mmm, I'm on the fence about this one, it depends on which plan you're on. Yes the repayments are low but the interest can be relatively high (the interest rate on my brothers student loan is more than twice the interest rate on my mortgage) but given that most people have no other choice if they want to go to university (and most universities charge the highest rate fees) its a bit of a monopoly. I'm almost 40 and it's only recently that the balance on my loan has started to go down even though I've been paying back for almost 15 years because the interest has been more than the payments. Also there are a number of different plans with different rules depending on when you graduated, mine will be written off when I get to 65, 44 years after I graduated, not 30.
I started Uni the very first year student loans were instituted in the UK. My brother, a year ahead of me went to Uni for free as we were poor enough to qualify for assistance and smart enough to be awarded it. He graduated owing nothing and I graduated with a £30k debt. Due to rent and cost of living plus a decade long wage freeze in my sector I still haven't paid it back. Meanwhile bro is onto his 3rd house and debt free. Mine won't be written off until I'm 65 whereas people who graduated 10 years after me will have their debt forgiven aged 40.
Load More Replies...There are very few professions in the UK where you will actually pay back your student loans, therefore, even if you inherit a castle, it's rarely worth paying them back upfront.
One of my walking buddies (UK) got a student load when she retired. Her pension means she's always below the limit for paying back. As she put it she paid income tax all her life. She pays income tax on her pension so she got a free (and first) degree because she'll never have to pay it back.
Paying for an education is a scam in itself so yeah, student loans are also a scam. Knowledge should be free and encouraged for the betterment of the planet and humanity but humanity sucks so pay money or be dumb.
But you're paying 6% interest when the base rate has been 0.5% for years! No one goes 30 years without triggering a payment. Then, no, it never gets written off. Student loans in the UK are a rip-off.
Ummm.. I disagree. Degrees invariably lead to better income. It IS an investment. But the current (US) system is predatory. My kid's are 12% or higher, no way should they be paying more than a mortgage rate on a non-dischargeable loan.
Load More Replies...Berea college. It's the only college in America that guarantees 0$ in tuition for every accepted student. When people hear that, they immediately think it's some kind of scam.
If it’s someone’s first time hearing of it I can’t blame them, it does sound too good to be real.
TUITION is free - that is all that is free. Let's not go crazy. Tuition is the smallest portion of a typical USA education. Where they get you is fees, books, food, and place to sleep.
Absolutely not a scam. Although I did find it via a browser pop-up back in the day so there's that. But OP is right - I paid $0 in tuition for my double major degrees in the 4 years I was there.
Wow! I have never heard of Berea College. I had to Google it. Looks legit.
5G
But the 5G chip injected with covid vaccine really works people! My home Internet rocks now.
I got glass fiber in a tooth simultaneously, I have perfect reception.
Load More Replies...The only scam around 5G is lack of infrastructure and availability.
In the UK they promised 5G would give you better signal and faster downloads. In reality it provided neither. Download speeds are just as dependent on the connection to the file owner as they are to your phone and 5G has a much weaker signal meaning without many more masts there was poorer signal.
Load More Replies...5G is no more harmful than 4G. Some context: I work in IT, and one of the technologies my company is promoting is 5G and edge computing. I work with subject matter experts (SMEs), and have written articles about 5G and edge computing. In a nutshell, 5G--without the infrastructure to support it--is only 4G. Very few places have the infrastructure. When you see 5G LTE, you're really just getting 4G.
Depends on what kind of scam you mean. If you mean it gives you cancer, well not much more than 4G would. But the speed claims are mostly bogus. There are different bands of what can legally be called 5G. The lower ones are no faster (and sometimes slower) than your existing 4G. But the high speed terahertz band is what gives the amazing claimed gigabit speeds, but that is almost non-existent. And the signal is so weak, and poor at penetrating your walls, that they'll need a cell antenna on every light pole. So don't get too worked up about getting those super fast speeds, especially in your car.,
It's not a scam. It's so insanely faster than 4G that I freaked out when the store only had 4G phones when my 5G broke. Luckily, the T-Mobile across the street had 5Gs.
A whole lot of people In my town think it's going to take over control...idiots it's the internet not a new species or alien
Can't comment, I'm isolating because of the Covid and other diseases I've caught from it ;o)
Airline / Hotel / Credit Card rewards. They take a lot of time and a 100% commitment to never, ever carrying a balance, but you can definitely earn a lot of rewards even without playing the churning games. The Flyertalk.com community is amazing for anyone wanting to get started.
Credit cards in general are not inherently bad. Honestly, I've been on both sides. When I was underemployed, things just kept coming up and I couldn't keep up, even though I tried. Now I primarily use a card through my credit union, always pay off the balance and cash out $25 for every 2500 points multiple times a year.
Buying a beginning band instrument, then buying a step-up instrument within a couple of years
You can sell the beginners instrument when stepping up. Who knows, until trying, if it will work out, if the person will be any good.
Same for cameras. Buy a cheap or used one first. Learn on it and then work your way up.
Load More Replies...My first electric guitar cost me £150ish. Sold it a couple of years later and put the £70 I got for it towards a £500 guitar which I still have I bought the second guitar in 1998.
Buying one to learn on also means you don't end up knackering or damaging a more expensive one while you learn in some instances. Can't see the harm myself.
Load More Replies...I can only speak for electric guitars, but we live in the golden age of affordable gear. Cheap instruments were often nearly unplayable a few decades ago, but nowadays you can buy a decent instrument for 200 euro or even less. That being said, the factory setup of cheap instruments often is hit or miss. You can often improve your beginners instrument greatly if you not only learn your first chords, but also learn the basics of setup: intonation, action, lubricating the points of friction with pencil graphite, restringing in a way that improves tuning stability,...
Should I get another guitar it won’t have a Floyd Rose on it. That thing is an a**e to change the strings on and I keep messing it up. Fixed bridge for me next time. But setting one up is a great skill to have. There are some great cheap guitars these days that really do punch above their weight.
Load More Replies...Idk, I played the flute and then the piccolo all through school (@8 years)and my Gemeinhardt flute and piccolo were fine for parades, concerts, solos, performances at Disney World, etc. I was a middling musician who knew I wasn't going to play except recreationally once I graduated high school. Taking care of it and having it serviced kept it playing at the level I needed. Maybe I'm naive but there wasn't a need to upgrade.
Same! Although I would love to play on a really expensive instrument just to hear the difference. But for what little I play now, my original flute is perfectly fine!
Load More Replies...I do this with ukuleles. I started with a cheapie, and have upgraded 4 times. Each time I upgrade, I give my uke to someone starting out, hoping they will love it too!
Buy a mid-range instrument. My basses are not the top of the line, but neither are they the bottom. A lot of major bassists use the brand I do. (Schecter)
A bed that costs 2 grand. F*****g life changing.
Nuclear power, people are generally concerned about the pollution it causes when in reality the radioactive waste from a nuclear power plant has a relatively low impact on the environment, especially when compared to the fallout of more resource heavy nuclear weapons
Yes, I know all the arguments and am not anti but it is naive to act like the waste isn't an issue. It is the longevity of the waste and the amount of water required to deal with it. I know a load of people will deny it is much but with radioactive material you don't need much to be harmful and burying it in the planet is not a good answer. Better than fossil fuel doesn't mean it is problem free.
Nuclear waste management is a carefully planned thing. It's not just buried. Think of it like a very long tunnel. New waste goes in one end and slowly fills the tunnel. By the time gets pushed to the other end it comes out as non nuclear metal that can be used. It is a very long term plan, but works.
Load More Replies...If it weren't for nuclear weapons we'd all have thorium reactors by now.
Slightly off-topic, but it put a smile on my face to see a picture of our Antwerp nuclear power plant and on the other side of the river, one of our big containerterminals. Both my town-pride and job-pride are tickled right now.
Believe it or not, you can actually blame much of this on the Simpsons. Too many people get their 'information' for tv shows (just like how juries often have trouble because too many people think CSI is real). Because Homer works in a Nuclear power plant, and the plant is shown to be a horrifying disaster run by incompetents, that is what people think of.
People fret about how nuclear power might kill people, while coal-fired and gas-fired plants are poisoning the people and the planet right now, every day.
Nuclear pollution cannot be stored in a controlled way.
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Harbor freight tools. Sure they are cheap and probably poorly made, but for $100 I got a power washer. Do you know how much joy a power washer can bring someone?
Neighbor is washing his car with a hose looking like a fool.
Power washers are awesome. Cleaned the path to the front door with one. It brightened the front up. Cleaned the side alleyway of the house and found we had different coloured slabs. Red, yellow and green
Been there : such a pleasant surprise they were coloured instead of different shades of grey.
Load More Replies...My power washer came from the curb. Someone was throwing it out, apparently because the soap sucking hose doesn't work. One day I may open it up to see if that can be fixed.
So long as you are using the tools purchased there knowing you will need replacement sooner than if you spent premium $
if that $20 = 1/4" - 1 1/4" wrench set gets me off the side of the road one time - it was worth the money.
Load More Replies...lol, OP is really proud of their power washer!! thanks for the deal, harbor freight!
Perhaps not 'proud of, but rather 'pleased with'?
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Higher pay rates for union trade labor.
If a worker has ANY benefits or worthwhile rewards AT ALL in their job, no matter how meagre they might be, it's because a union fought for them, even if they're not part of that union or that union is not allowed in their workplace
That's what history books teach. Not practical today tho. 21 years with the uaw here, still a member
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Insurance. It's weird to pay for something that you hope not to use.
Oh god yes. We had a leak from our bathroom to our kitchen. Everything had to be ripped out, de moulded, replaced. It took 4 months and we had to move out into temp accommodation for that time. Everything was covered by the building insurance apart from some private work we had done at the same time. Also my wife and I have mortgage life cover so that if one of us dies, the other gets enough money to clear the mortgage and have a couple of hundred thousand in the pocket.
Yep, it's like betting - Me: I bet you $1500 that I'm gonna die this year - if I win you owe my family $250k - if I lose I'll pay you $1600 next year for the same bet. Insurance company: We'll take that bet.
I buy insurance before food. The crime levels and bad driving in our country are so high you can't take a chance
I had a home warranty once when I was a homeowner. Paid my monthly $81. Got my entire HVAC system replaced &6000, hot water heater $800, my roof replaced after the great storm in Phoenix bac in October 2009, and a dishwasher $300, and a few other things over the years. My home warranty saved my a$$ many times.
CareCredit. People always think vet offices tell you to apply to “our credit cards” so you can pay your bill because we don’t offer payment plans. It is not just for vet hospitals but any medical service. You get 6 months 0% interest for whatever amount you are approved for and it is an outside company. Vet hospitals don’t usually offer payment plans bc people don’t pay and then they get sent to collections. We can’t afford to not have income. Ask anyone who works at a clinic and I bet you they are getting by paycheck yo paycheck. Even DVMs aren’t making much considering they graduate with just as much student loans as an MD.
CareCredit wasn’t that bad of an idea when I needed to get hearing aids. It helped out a lot.
I used this for a potentially life threatening dental abcess. Yes, the interest is usurious if you don't pay it off in 6 or 12 months, but you have time to scrape it up.
My gripe to the T... after 6 months, the interest rates are ginormous.
Load More Replies...We used to have it, and it was great then. Then they raised rates, and since neither my vet nor my dentist accept it anymore, it's a moot point.
unrelated: I love the doggo on the flyer! IT'S WEARING A FLOWER COSTUME.
Paying to publish. Roughly 3-5% of thousands of people a year who search for agents when trying to get a book published from a traditional publisher are accepted. When musicians try to create an album, they have to usually pay to use a studio, have someone market it for them, and edit the song. Why is publishing seen as any different? Everyone expects to be paid for their book, when in reality, you have to pay someone to even take a glance at it, let alone give you any worth while feedback.
No this is complete nonsense. Vanity publishing is just that: for vanity. If all you want is to hold a copy of a professionally bound book with your name on to look good on a shelf or give as gifts, knock yourself out. But that's all it is. Vanity publishing has zero to do with being a writer. No one who is legit will ever ask for money - there are tons of sharks who charge money for feedback but no publisher or agent will ever charge. You can also self-publish (you may choose to spend money on things like cover art and marketing, but the actual process of self publishing is free). I earn a
I earn a living as a writer and have never spent a penny, except for purchasing a laptop and money travelling to meet agents and publishers (plus obviously the cost of my time). It's a very very demanding industry and the brutal reality is that most people who want to be writers are either just not talented enough, or lack the necessary work ethic and discipline. Obviously there are serious barriers to that mean very talented and hard working writers from minority or working class backgrounds don't get a look in. We need to fix that. But vanity publishing is nothing to do with that. Also I don't get the comparison to music, it obviously costs money to create a demo. Writing a novel is free except for the need to purchase a computer.
Load More Replies...How many times in this industry have people sent in their work to get "worth-while feedback" only to hear that their work is rubbish that no one would publish, only to have that same work go on to become best sellers? I'll get you started: The Jungle Book. Harry Potter and the Philosopher’s Stone. Life of Pi. Twilight. Frankenstein.... feel free to add more.
What makes the eventual best seller "... rubbish that no one would publish" upon first submission is not the story line but the condition the manuscript is in. It hasn't been worked on enough; it needed several more cycles of editing, re-writing, shortening. Stephen King wrote a book about writing. In it he talks about still getting his manuscripts thrown back at him as rubbish, though he is a very established writer, because the manuscript "hasn't lost enough weight" yet. He writes that with every re-reading the manuscript has to lose at least 30% of its pages. And too many dear-to-his-heart curlicues and favorite phrases are left in that would make the book junk. What self-publishers don't have is the benefit of an excellent editor who rips their book to shreds - to the degree it ought to be.
Load More Replies...My mom with any online retailer she always goes on a huge rant when i want to buy something online about how "Those websites will steal your bank info and take your money" i know there are sketchy websites that do that but I only use ones that i KNOW are trustworthy like "Amazon, Target, Walmart, BestBuy, i don't trust eBay not for the site but for the people on it you could buy a new controller and get a bootleg i don't use eBay and wish it's not about my information it's about the product some things are just advertised as really good but turn out to be really cheap but my mom always rants about my information being stolen when all i want is to buy a PS5 on target 🤣
So, you open a second account, with a debit card of its own, with your bank. You transfer a little money into that account (easy, quick with online banking). Use that for online purchases. Even if your 'details' get stolen and the account is drained you lose, what?, a couple of hundred bucks, tops? They can't get at your main account.
Use PayPal. You are covered for goods purchased on and off eBay. PayPal Buyer Protection covers you for items that you have bought in the event that you do not receive your item, or the item is significantly not as described.
Selling the Eiffel Tower. But on a serious note. Higher tax brackets and thinking they save money by not doing overtime
Brooklyn Bridge is sold out? Thank the lord you can still get non-fungible tokens (NFTs) of it at a discount.
I've got Ocean-front property in Arizona......Just add Water !
Load More Replies...Costco employees when they try to get you to buy the higher higher membership when youre checking out. It actually saves you money and pay for itself if you get enough of the 2% back.
Was doing work outside a Costco. Needed one of their employees to move their car. Went in to get the car moved. Was stopped at the entrance and refused entry because I didn't have a membership card. Explained the situation, told them all we need is that one car moved. They didn't have their phone with me and wouldn't leave or help me. Had the car towed to get the work finished as per contract. Was the manager's car. Freaked on us, then freaked on door person. Costco: Do the right thing.
Wine. I work as a sommelier. Outside of the wine industry, on reddit, and other places.. you constantly hear people talk about the study where the "experts" are fooled by cheap wine, etc. Most of these "studies" are done at universities, with inexpensive wines.. and people who are not really experts. In general, more expensive wines are a lot better.. but are also a lot rarer. There are of course exceptions 'cheap wines' which are fantastic. These are rarer, because as a wine gets a reputation for being good, the demand increases. With the famous/rare wines, there is more competition for them. Chateau Lafite, for example, can only produce so much wine --the buyers at first were only the French (and the British and other Europeans), when the Americans started buying it and there was more demand the price had to climb, when the Chinese started buying it the price could only go up. Lafite cannot just produce more Lafite. So the price for a wine like this has to climb exponentially with the increased demand, and the globalisation of wealth. In particular we have the conspicuous consumption of 'European' goods, Chanel can make more handbags, but Lafite cannot produce more Lafite. Then we have the problem of wine in restaurants being a different price to what you see at the supermarket. Depending on the location, (or in America) the State, you might have very different taxes/laws between bottleshops and restaurants, and the wine may legally need to come from different suppliers. Restaurants tend to not be able to buy in as large of a bulk, etc. Further with a restaurant the extra cost is that the wine is "guaranteed", if it is corked/off.. the restaurant will provide a new bottle. The waiter/somm will be trained (to at least some degree) and know what wines they have and help you pick one that goes with what you are eating. With this you get glass service, decanting, etc. All of this equals a higher cost at a restaurant than a bottleshop. It is not a "scam", but it is a bit like eating a steak at a restaurant and going 'oh, I can buy meat at the butcher for less'.. of course you can!
« I work as a sommelier » but I repeatedly misspelled one of the most famous wines in the world.. 🤨 Chateau Lafitte with 2 t’s or Chateau Lafite-Rothschild with the 2 words.
Why does the price go up if more people want it? Isn't that just gouging?
Pfft. What about the study where they put red food colouring in white wine and the 'experts' acted like it was red wine? I'm not saying wine in general is a scam, but the so-called 'experts' only go by the name and/or price, not by the actual taste of the wine. The taste is determined by the price/name. (Much like Pepsi vs Coke.)
You do realize that the difference between red and white wines are not only the color? Even a modest amateur can recognize it from a single blind sip. Stop perpetuating urban myths such as these “experts” who would be huge idiots.
Load More Replies...Endless bread at the steakhouse. They get you with the free bread.
You're getting the same amount of steak, just take it home.
The stock market
Twice? The stock market is like Vegas... except the odds are in your favor. Play consistently and evenly and you'll eventually come out ahead. Far, far ahead.
So long as you know it's rigged for the traders benefit (Jon Stewart v Jim Cramer)
totally a scam but if you stick with it you end up like elon musk.
Imprinting on checks at the cash register. So much faster than writing it out.
Contactless! I pay using my smart watch these days.
Load More Replies...I hate when people waited for the Total Before they even STARTED filling it out Ya know--Payee/Date/Sign ?
In some cases, DLC for games.
I play a fair amount of fighting games, and its a bit annoying when people see a game with alot of DLC and immediately assume the game is trying to scam them.
When a developer is supporting a game, of course they're gonna want to add more characters to it. Its one of the easiest ways the drum up hype, mix up the gameplay, and bring some more variety to the game. If a game is supported *for awhile*, then of course, its gonna get alot of DLC. This mostly bothers me with BBTAG cause characters are sold in packs of 3 that cost as much as single characters in other games. "Wow, look! this game has half the roster as DLC!" yeah, characters are re-used assets so they were released in bulk after launch.
There definitely are fighters that tried to scam people with DLC (Dead or Alive 6, SFxT, MvC:I, Marvel 3. Capcom's pretty bad for this in general) but it bothers me when people associate 'alot of DLC' with 'they're scamming us.'
Throw around a lot of abbreviations and you loose a part of your audience. So, what have I just read?
DLC = downloadable content, e.g. paying more money to get extra characters and levels for the computer game you already bought. Some games companies encourage exta purchases by making the game very difficult to play without them, or sell downloadable content that is rubbish and not worth the money, the poster is saying not all extra content you can buy is a scam and having a lot of extra content available isn't always the sign of a scam.
Load More Replies...OK, "downloadable content" then. Always explain your TLAs (Three Letter Acronyms)
Load More Replies...USPS
USPS is the single biggest impediment to buying from the US in e.g. e-Bay. The USPS overseas shipping charges are atrocious. I just want it sent to me, not to buy it business class seat.
Yes! Buy a thing for $10, pay $60 shipping charges. Decide not to buy the thing.
Load More Replies...Trust me, you do NOT want them to go away. Sounds like the retirement system accounting they have is the scam (not an employee)
USPS can suck it. Somehow, my package coming from Arnold to St. Louis (probably less than 30 miles) took them three days.
School
I’m on the fence. Well I DEFINITELY think education is important, in most places school is very on size fits all. If I had got the proper support for my autism and adhd I could have skipped a grade, but instead I just wound up being really bored, all because “someone with autism and adhd can’t be that smart”
Ok, let me clarify a few things for people not in the system in the US. Teachers are constrained by the curriculum set in place by their states and localities. Some things are flexible, some not. There are a LOT of things we would like to include, and quite a few we could exclude. Parents who do not support teachers, and systems who hold teachers 100% accountable for ALL mistakes are what drives qualified teachers out. There are many places where the pay does not equal the amount of education required, and the workload is not justifiable with that same pay. It becomes a scam when it's all about test scores and checking off boxes.
And if we talk about Jesus, it's a BETTER school..especially with YOUR tax money, whether you follow that faith or not. THAT is the scam.
My ex told me bitcoin was a scam in 2013
But mining it uses a sh*tton of power, so it's contributing to destroying the environment.
it's ok, all you have to do is build a time machine and go back to 2013!
Buying software/plugins/music. It can seem very expensive for something that you cant hold in your hands.
Invigaron-- a business opportunity as rare as the albani berries themselves.
Investing in $GME
All shorts have to cover (they have not) and Gamestop is revolutionizing their business model and team! Extremely bright future ahead!
Edit 1: They have also cleared all their long term debt and have much cash on hand which is a great thing!
Edit 2: Unfortunately, the media has painted Gamestop as a "poor investment choice", *contrary* to all the fundamentally good things about this company. The data also strongly suggests that the institutional players who are betting against Gamestop are not abiding to the regulations.
Protection plans IF purchasing notoriously fragile "[planned obsolescence](https://en.m.wikipedia.org/wiki/Planned_obsolescence)" sorts of tech products, like inkjet printers or headphones/earbuds.
I don't often do it, but did for my induction stove range because it was newer tech for residential. A badly designed control panel above the oven vent meant moisture would go behind the control panel and make it think it was overheating and shut off the top cooking area. I paid for a longer plan too, like 4 years and they had to come out every 6 months to fix the issue. I might have been able to push for a free replacement after a while but it wasn't spelled out. But the plan definitely paid for itself. Would get the plan again but not that stove (stupid Samsung design)
Hope that does not include extended auto dealer warranties. Autos today WAY too complex to not get one.
Worked at Staples when I was younger, we were pushed heavily to sell the protection plans because they were the most profitable. They were almost 100 percent pure profit for the store, and very rarely paid out when people needed them.
I love how all of the posts toward the bottom get progressively vaguer! XD
I had a woman ring me to tell me that I'd won first prize in a major competition. She was surprised that I immediately accepted the call as genuine. Normally, the people she rings think it's a scam. It isn't. Prize was worth about $10,000.
I'm convinced the "pay more in taxes" thing is actually because they don't understand the difference between exempt and non-exempt. They *think* they're getting less money because they're being taxed more, but in reality, they just stopped getting all the extra hours and overtime, and that's the real reason why their promotion and pay increase is actually netting them less money.
I love how all of the posts toward the bottom get progressively vaguer! XD
I had a woman ring me to tell me that I'd won first prize in a major competition. She was surprised that I immediately accepted the call as genuine. Normally, the people she rings think it's a scam. It isn't. Prize was worth about $10,000.
I'm convinced the "pay more in taxes" thing is actually because they don't understand the difference between exempt and non-exempt. They *think* they're getting less money because they're being taxed more, but in reality, they just stopped getting all the extra hours and overtime, and that's the real reason why their promotion and pay increase is actually netting them less money.
