30 Examples Of “100% Scams” Which People Nevertheless Aren’t Aware Of, As Shared By Members Of This Online Group
Animals have such a wonderful thing as a conditioned reflex - a mechanism for remembering positive or negative (mostly) conditions in certain situations. Birds remember not to fly into fields where there is a scarecrow, a cat understands where its tray is, a dog knows perfectly well who feeds it and who walks with it... You can give endless examples, but there is one exception in the world of living beings. Yes, that's right - people.
In fact, our consciousness is both a great blessing and a great source of various problems. After all, no matter what conditioned reflex a person develops, we can always overcome it if we really want something. And often we play havoc with ourselves, stepping on the same rake over and over again.
We convince ourselves that this time we will definitely win at the casino, that we are used to unloved and not very well-paid jobs, that the charismatic and spectacular politician will keep all of their numerous and generous campaign promises... We believe again and again, we are wrong again and again - but very rarely do we draw the right conclusions from our own mistakes.
Recently, a true viral thread appeared in the AskReddit community, the topic starter of which asked people just one question: "What's 100% a scam but we accepted it in our society?" As of today, there are already exactly 35K upvotes and more than 34.1K of a wide variety of comments, from really serious and vital ones to jokes as well, but still fully answering the original question.
Bored Panda has compiled for you this selection of the most popular, sometimes unexpected, sometimes instructive and anyway incredibly interesting viewpoints from the original thread, so please feel free to scroll to the very end of it, upvote the ideas you support most and of course add your own - and who knows, maybe this list could become really helpful for someone.
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That health insurance doesn’t cover your eyes or teeth
Let me tell you about health insurance. I work *for* a hospital. When I get sick I go to our hospital. I am insured through our hospital. I spend two hours in *our* ER and come out with $3K in bills. Insurance is a scam.
I, too, work for a hospital. I concur; it is a scam.
Load More Replies...Wait until you require a medicine that has no generic equivalent and your portion of the cost is thousands of dollars!
the two things I'd really like to use and take care of till the day I die...
Well in Germany I am lucky that insurance covers it, but only the cheapest one
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America’s tipping culture. The fact that businesses have put the burden on consumers to pay their employees livable wages is a joke
Tipping needs to be eliminated. Why should customers make up the difference in the company employees' wages? And tips usually end up being more than what the company is paying their employee. Biggest scam ever!
You can tip voluntarily, where you have recourse if your service is poor, or your dinner price goes up at least 30%, and you have no recourse for bad service. So you want crappy service for more money? Stupid!
Load More Replies...Jesus Christ how many times is bored panda going to write about this? And for the record it’s not just the United States that has a tipping culture. It’s actually much worse in Mexico. All of you Non native North Americans let it go already! Our culture is different than yours! Shocking I know!
If tipping was eliminated, the restaurants would have to pay the waiters more, and the price of your meal would go up. You're gonna pay either way. The restaurant owners and the waiters have to make a living, just like you do.
I agree, but almost everywhere else, the price includes everything. I think that's the main point here. If prices have to go up from 20$ to 25$, perfect, but you know that includes food, salaries, supplies... Right now in the USA you have a weird method were you're lead to believe something costs 20$ but then you have service charges, taxes, tips... It's crazy I want to know how much I'm going to pay beforehand, I agree (or not...) with that price, and I know I'm not dealing later with waiters that expected me to tip 25% and are angry because I "only" tipped 18% (I just saw a TikTok today about a waitress so furious because she was undertipped with a 18% tip...)
Load More Replies...Boomer here. Over the years I've watched the system change the expectation that 10% was generous. Then 10-15%. Then 15-20%. Now sometimes I see 20-25%. The justification when there is one is something like, "but costs of living have gone up". Well.... so have the cost of meals. A 15% tip on a meal is a lot more $$ than it used to be years ago. Pay your workers a livable wage and let me tip for good service the way I used to do years ago.
I remember seeing an Adam ruins everything episode on this and that it started back during the great depression, and sadly never went away.
It's spilled over into Canada as well... however employees still get paid livable wages. I have a friend who waitressed at a popular restaurant. Once she'd received her teaching degree, it took 5-6 years before she earned as much as a teach as she was as a waitress (after tips).
And then you're a bad person if you don't tip, and not the employer who isn't paying their employees a livable salary. More than that, it's an excuse for people to treat you poorly if you don't tip. It's crazy, because you don't tip in all but only service. why not teachers? or nurses? garbage collectors?
Get rid of tipping, and your meal goes up 30-50%, and your service goes to hell. 20% will go to the server, but you think owners will stop there? They will tack another 10% on to help pay for busser, hostesses, and bartenders. Then they will attach another 10% for themselves. And then another 5% for the charge to process credit cards. Like it or not, good servers make $25 to $50 an hour, and it is justified. 90% of the people out there COULD NOT do the job, period. Until you have worked a 7-8 hour shift with no break and not even 5 minutes to sit down, all while carrying heavy loads(and also balancing rim full martinis, often up and down stairs,) you have no clue how difficult the job is. No one would do it for $15 dollars an hour.
Tipping has gone crazy!! Tipping should only be used as a reward for good service. Think of it as a car, would you pay the same amount for a luxury car vs an old junkie car (excellent service vs bad service)? I once went to a donut shop where one person bagged the donut I request, passed it to the next person to ring me up, either barely spoke, then had to click a button for a pre-calculated tip; hole interaction took two minutes which effectively cost more than I make in two minutes.
For profit prisons
This should never have been allowed to happen. It creates an incentive to incarcerate people, to keep the prisons profitable. It’s all about money, and the people don’t matter, except as a means to profit off their misery—-which ain’t the f*****g point of prison.
Verizon, Victoria secrets, alot of companies use prisons as a source of labor. Paying the inmates pennies for doing so. Alot of people also think being an inmate in prison is free. IT'S NOT! You have to pay for medicine, phone calls, basic hygiene products. Yeah, they'll supply you a tiny amount of soap, toothpaste and shampoo once a month if you don't have any money if you fill out a request form, but it's not nearly enough. You also have to pay, at least I did, pay for them 'housing' and feeding' you. Half of any money given to you for commissary goes to the jail, and I also had to pay the remainder when I got out. I know it's different from profit prisons, which are disgusting, but still. I don't think alot of people realize this.
Load More Replies...An absolute abomination. Brought to you by the Republican Party.
For profit nursing homes. America does not want to care for its elderly.
This is ridiculous. In my state (U.S.), our juvenile detention centers are for profit.
Who then lobby their congressmen and judges to fill those beds and by lobby i mean special incentives like envelopes full of cash. There are many counties where practically no small crimes go to court, all plee deal accepted with time to be served in for profit prisons, by public defenders explicitly against the plaintiffs wishes or brainwashing the plaintiff to believe they have no other option and will suffer much harsher penalties if they dare to go to trial.
Load More Replies...Anytime something is made for profit, the company will do anything to make as much money as possible, including cutting expenses, you know , like less food, cheaper food, lower the heating, anything that maximizes shareholder value. There are a million examples of that being done, and that will unquestionably happen in this case too.
American prisons are for profit ? What ?! That's crazy ! It sounds like human trafficking to me.
On the other hand ... my Mom taught gardening to a group of inmates so they could raise at least some of their own food (and, incidentally, decrease the burden on taxpayers). Thereafter, those same fellows became model prisoners: working in the garden was a privelege. Going to prison shouldn't necessarily be a free ride to a university degree (although I agree education is never a bad thing) and three guaranteed meals a day (when so many are homeless and struggling).
This, a thousand times. Prison are sort of a "forced" hotel. They make money on occupancy. Would an hotel do their very best to make sure no guests ever want to come back? Yet that's what prisons should do. Private prisons are actually expected to work against their profit motive, which is absurd. How this ever became a thing, how no one stopped for a second to say "This makes no sense" is beyond me.
For profit any public service (prisons, healthcare...). Greed is the only reason here in the US (my country). Otherwise, I can't understand the reasoning. We are only a few hundred years old. If we want great healthcare, an effective prison system...why don't we follow the lead of countries (older and with much more experience) that have systems that are working? Unfortunately, our system is set up from the beginning to fail us - 2 party system, no term limits - all it has managed to do is create little kings and queens that do nothing but hold onto power by amassing wealth and catering to their buddies/benefactors.
Subscription services for f*****g everything
Yessssssss! Let me just enjoy something with a one time payment.
Once we can eat things online then it's all over...
Load More Replies...I hate this so much. I play Xbox and you need Xbox live gold to even talk to friends or start a party and you pay $9.99 a month. $14.99 a month for Game Pass Ultimate. Please let us enjoy something without paying a damn subscription.
Gamepass is worth it though, there's a ton of free games. And if you have it you don't need xbox live anymore, since it's included. Tip: if you spend about 2 minutes doing the Microsoft Rewards daily task stuff, you can redeem the points towards gamepass subscriptions (or other gift cards and stuff). I earn enough points from that to get a free 3 month gamepass subscription every 4-ish months or so, which means I actually only have to pay for about 3 months per year 👍
Load More Replies...Microsoft Office. You used to buy it and install it now it's a subscription service
YES. MS Office 97 served my casual needs for years. I switched to Office 2003 pro when it was given to me for free (I worked in IT). It also served me for years. For compatibility with windows 10 I was forced to purchase Office home and student 2019. It was not subscription thankfully but I expect the day will come when for some BS reason I am forced to upgrade again. Meanwhile I would like to purchase Photoshop for casual use but I don't want a subscription so am considering one of the PS knock offs.
BMW wants you to subscribe to "options" already installed as standard (therefore cheaper to manufacture). Heated seats? $$$ per month! Air-conditioning? $$$ per month, even the months you don't even use it.
A second Yessssss. Sometimes you want to just check out a site to see what it offers.
Paying hundred of dollars per month for health insurance and then insurance not paying for anything until you’ve hit your deductible (usually thousands of dollars per year) and then after hitting your deductible insurance only paying for a certain percentage of your care until the end of the year until your deductible resets and you pay out of pocket all over again until you hit the deductible and even after hitting the deductible your insurance is fighting tooth and nail not to cover anything.
Americans have crappy expensive healthcare cause rich people suck and nobody wants to pay extra taxes to ensure healthcare for everyone.
Load More Replies...Primarily in America where we keep re-electing politicians who block every government program that helps people. But there seems to be plenty of extra money for the military.
even in the military when the economy went to c**p... we did not know when we were going to get paid .. we got half pay and then wondered
Load More Replies...Going thru this right now, my husband needs a medical device that retails for $1000. This is just a replacement for the one he has that is 20 years old. The insurance says you need to go to the Dr pay the co pay fort him to say yes you need it, oh wait now we want a test pay the co pay for that. Ok you are approved BUT you have a $ 500 deductible you have to pay first , THEN you rent this device for a year for us to see if you are actually going to use it. Even though you have one for over 25 years. So by putting it through my insurance I am paying more than retail Oh also we will deduct 380 a month from your check for the pleasure of having our health insurnace
Companies used to pay worker's insurance up until about the late 60s or mid 70s. When companies negotiated Union contracts, the cost of insurance wasn't a factor at all, the company simply covered insurance. Once the insurance companies started raising their prices to make even more profits, the workers had to suddenly pay a small amount for the insurance. Well, we all know how that turned out. Thanks again Republicans
We can't afford insurance being self employed. My husband needs some scan next week that averages $6K. You'd think at least it could be a little cheaper with 0 insurance, but the for profit health system here in the US doesn't give a s**t if any of us live or die. I hate it here
my husband and i have been self employed for 40+ yrs. Insurance killed us. we had a $7500.00 deductible EACH! then 80/20, to walk into a hospital would cost us 10grand out of pocket...insane! i have had 2 knee replacements and a minor bout of cancer..needless to say, we have no retirement funds left...sad to say but, turning 65 was a godsend! medicare kicked in and we can now get some medical care reasonably. trust me, we do not,nor have ever, just ran to the dr. cause we sneezed....we would do our once a yr. ckup and have been very lucky healthwise...both in our mid 70's and still work ( painter/ decorators.)....could be sooo much worse...yes...health ins. in the U.S.A sux and i don't see how it could ever be corrected.
Load More Replies...Welcome to capitalism where money is much more important than people
Due to my income I am currently on state medical and grateful for it. But prior to that I was paying $250 / month for an umbrella policy with a $5,000 deductible. Then they inform me the rate is going up to $550 / month and the deductible raised to $7,5000. I had been with them for several years and never had a claim.
The price of printer ink.
It's almost cheaper where i live to buy a new printer with two new inks in it than it is to buy the 2 new inks on their own for the same printer
Unfortunately the cartridges that come with a new printer are much smaller than the replacement ones you can buy. And if course there are non-branded cartridges too, and they come in XL sizes for not much more than the normal size price. Still a scam though.
Load More Replies...In this time and age do we need to print? I've been doing fine without a printer for a long time now. Got tired of buying ink. It seems to evaporate all by itself.
The cheapest printer here is $250 and it comes with ink...the replacement ink is $250.
Most people do not actually need a color printer. Buy a laser printer. powdered toner is cheaper per page and does not dry out. Also HP printers are POS these days. I made that jump about six years ago and so glad I did. Color lasers are available too for much less than they used to cost.. Continuous ink (inkjet style) printers are also becoming a thing where you buy a bottle of ink and refill the hopper. Not as common yet but they are out there. It is all a designed marketing scam. Kodak polaroid cameras and the film, razor blade handles and the cartridges, ink jet printers and the ink cartridges. All are sold cheap to get you hooked on the supplies. All of this is out there as public information if you search on it. Not just "conspiracy theories". It is just a (greedy) marketing practice.
Yep. Just throw the whole thing out and buy a new one—same price, if not cheaper.
I signed up for HP's "Instant Ink" program - if you only print a very little bit, it's a good deal, it's free for under 10 pages a month (might be 15, can't remember). If you go over that number, it's like 1.99 for every 10 pages over, so I think my total bill last year was around 5.97. They monitor the ink level in the printer and when it gets to around 30%, send new cartridges automatically. Obviously if you do a lot of printing, it's not viable, but when you typically only print a document or two a month, it works out pretty well. I've gotten three refills since I signed up and the total bill hasn't tallied up to a single pair of cartridges over nearly four years.
My only comfort at this point is that I use my printer so rarely that I know I won't run out anytime soon.
And the fact that dries out so quickly. Or that there are 4 or 5 cartidges per printer.
Convenience fees on electronic payments
Convenience fees are ALL a scam - yes, looking at you TicketMaster. You can NOT buy tickets unless you go through TicketMaster, it is not a convenience, it is extortion.
Well, those fees certainly seem to be convenient for them 😤
Load More Replies...If it's a credit card, then it's because the credit card companies charge a fee for processing payments, and the retailer doesn't want to absorb the cost. Usually you only see this at smaller (non-chain) stores or gas stations, unless you're referring to something else?
When you walk up to the place (business, government agency, ...) and pay in person, you don't have to pay the fee. But if you "conveniently" pay from your couch, making your live so much easier, they try to stick you with that b******t. As if the business doesn't save a TON of money if you do it online instead of bothering someone that they have to pay to do it with you. Massive rager for me.
Load More Replies...My local DMV. You used to pay a $5 add on if you renewed our tabs at one of the local third party places. Okay, reasonable, they have to make a living. You could avoid the $5 up charge if you went to the courthouse and paid direct. Which I usually did. Then they changed it so you pay the 5 bucks regardless. F U local government. And you pay more if you pay online and let a computer do it instead of tying up a real person at a counter.
We started getting some of those charges here too recently....they want everyone to join online banking to make it easier...then charge more.
Never pay convenience fees. Make it decidedly inconvenient for those that try to charge them
Now it's WHICH card you use. My husband's bank is a "visa" bank I was told when I tried to pay his loan note with my "mastercard" debit card. They said it would be a huge (like 15 dollars) fee if I paid it with a "mastercard". I was at the bank at the time, not online. However, I could pay the note with no fee using a check from the same account. A CHECK! Go figure. I paid with a checkbook I've been toting around in my wallet for 10 years and never needed to use before.
My hometown years ago introduced option to pay for parking via SMS. Except it was few cents more that from meter. The reasoning was absurd - it's a "convenience" fee for people. Like not to carry stupid coins in pocket or looking for stupid machine.
That it’s considered normal to spend tens of thousands of dollars on a wedding/ring/bachelor party
Too much money wasted just for everyone else to party. I've seem too much loans and debt. Just get legally married and have a small get together. Much more intimate and you actually get to hang out. In a wedding you never actually get to hang out with friends.
My fiance ring and mine cost a total of $40 and were customized. We both agreed to forego the expensive c**p on the market in favor of an etsy store. The ones we got were quality and beautiful. The jewelry market really is a racket, just like clothes you're paying for the label.
Our engagement rings we're 10€ each. A matching pair of bronze rings, bought at medivial reenactment festival. Perfect fit for us and our lifestyle at the time. We upgraded to 25€ silver rings for our 10th anniversary.
My whole wedding, I'm talking dress rings venue photos the whole nine cost less then just her ring from my brothers wedding and mine blew theirs out of the water
It is fairly well documented that diamonds being 'rare' and 'valuable' is an artificial construct of the diamond marketing industry. And more recently they have figured out how to make larger diamonds artificially that are difficult to distinguish from natural mined diamonds and in some cases are superior. Don't buy her a rock that is going to get her killed on the subway.
my hubby and I eloped, we bought cheap but pretty rings that totaled $15 for both. Almost 8 years later and we are still in love and couldn't be happier being together. Skip all the c**p, save your money and live your life.... weddings and expensive jewelry is a SCAM!!!!!!!
Mum "influencers" using their kids as bait to advertise products. Absolutely despicable.
Influencer culture on the whole...more like influenza....amirite.
Yep. 100% correct. Influencers are partially the reason I don’t use social media.
Load More Replies...In my country various "influencers" have received stiff penalties for this. Charges are Child Labor! Under the age of 12, children are only allowed to "work" 6x in total, and no more than 1h at a time. 10 posts with their kid? Huge fines
I don't follow these but back in the day I would have gladly told people that Huggies were better diapers than Pampers (and did). I'm not sure if that is still true. Back then though you were much more likely to get a nasty blow out with Pampers. I guess I'm saying I wouldn't mind pitching a product if I truly believed it was better. But selling random s**t solely because I was paid to? Nope.
A fee to pay your bill.
The IRS will charge you a $10 convenience fee for paying your bill online.
Load More Replies...You think that is bad??!.... I live in a town called bishop auckland, there is an ATM that CHARGES you over £1.50 to take your own money 💷 out!?? WTF!!? 😳
With respect, if you have this you probably have c**p credit. Loans with penalties for early payment are legal but not the norm except for folks who can not qualify for better deals. That said - READ THE CONTRACT. I have a relative who is currently planning on returning a computer to one of the rent to own places because he did not thoroughly read the contract. Bottom line is he would owe about another 2K to pay it off and he has told them I'm not going to pay you 3K for a computer I know is only about an $800 computer.. What they did was "legal" but it was not ethical.
Even worse, a fee to pay someone (software maker, accountant, tax service) to prepare your taxes in which you have to pay anyway, because filing taxes are one of the most complicated things you will ever have to do unless you take the easy route and the EZ form, in which case you're likely paying even more in taxes for doing so.
Credit card companies charge a fee for processing payments. Most merchants just increase all their prices by around 3% to account for this, but the ones that don't will charge a fee if you aren't paying cash.
Zak- I've tried explaining that to people and it never works. It's not a difficult concept, they just never thought about how it works. ( I can't fault them- I didn't for years and I worked in restaurants, so...) It wasn't always spelled out in black and white, it must be a new cost added on for no reason except so someone somewhere can most definitely screw them over somehow. And they wouldn't be wrong most o the time these days, imo
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Ticketmaster
LiveNation is just as bad if not worse. I've had worse charges and policies with them.
Load More Replies...The people who own Ticketmaster should be lined up against a wall & shot. Actually, that covers just about every corporation in existence. Corporate greed is degrading the quality of life everywhere, and they own the politicians, so forget about help from that quarter.
Just saw on the news that the government is finally going after Ticketmaster after the whole Taylor Swift fiasco
Easy to fix, stop going to events where you can only get tickets through them. Oh, wait, that's what the rich want. They don't want to be rubbing shoulders with the rubes.
Not as accepted as it was but the idea that alcohol is safer than other illegal or recently legalized substances
I live in a state in the US where. recreational marajuana is now legal and someone was lamenting the volume of new dispensaries that keep opening. It's not even close to the same amount of bars around here. Where people are served alcohol and then drive home. But that's acceptable because it's been around forever. Wish we actually had marajuana bars around here. Instead it has to be purchased and put in a special bag and then transported home in a trunk or locked glove box. Not saying I want high drivers. But a chill place to hang out and munch on baked goods would be so much more preferable to a night with drunken fighting, barfing, harrassment, groping, and DUIs which is what goes on every weekend in the bars in my state.
I always say that I'd much rather live next to a pothead than a raging drunk.
Load More Replies...If it was up to me, I'd legalize weed and ban alcohol. I come from a country where alcohol is HEAVILY hard-wired into the culture, so I kinda know what I'm talking about.
I'd allow everything and anything, under the condition that every ingredient is labeled, there is no goo in it whatsoever, and safe consume equipment has, mandatorily, to be part of the package if injections may be used. From a standpoint of "right to your own body", no prohibition is covered by any moral high ground or whatnot, from a "harm reduction" standpoint that, be it right, wrong or totally off ethics anyway, if the decision to consume is done, there should not be harm attached that isn't necessary. Drugs themselves are hust highly potent alterers of minds and states, and as such, are neither bad nor good. Then, if any situation and danger that just follows the desire to appear strong and law and orderish, or is a result of legal status is removed, we could really see which difference between a drunkard and a junkie is to be attributed to it being street drugs or to the active agent itself. Would sure open a lot of eyes, but not everyone might enjoy.
Load More Replies...in america you can legally buy a gun before you can legally drink. let that sink in.
I get random drug tests at work. I can come to work the day after I have an absolute bender. Hung over as hell and be just fine to finish my shift. If I smoke a joint two weeks prior to the drug test on my vacation.. it's automatic firing and blackballed from my industry.
A few weeks ago I discovered during a meeting that alcohol was allowed during rotation as long as you didn't drink on shift or drank to the point of intoxication. I asked about Marijuana products and after the speech I got about how there was no smoking on board the boat no matter what (and I know passengers and crew smoke cigarettes in places where they think they're being sneaky), they said weed products were just too dangerous. Being stoned makes me wanna lie down and watch cartoons! Drinking makes me make stupid decisions!
The implication here is marijuana and I don't know anyone saying alcohol is safer. Alcohol IS safer than stuff that can easily kill you in one go. (OD on fentanyl for example) but of course it can kill you in high doses or over time. Marijuana has bad side effects for a few folks but in general you can't OD on it and it is much safer than alcohol.
Five day work week
Damn yes. An associate I was meeting today said I looked really tired. IT WAS ONLY 9 A.M.
Load More Replies...A recent study among 33 companies who switched to a 4 day work week actually showed IMPROVED results/profits. https://www.cnbc.com/2022/12/09/us-4-day-workweek-trial-results-no-one-is-going-back-to-normal.html
I will admit. I haven't read the study. But part of it seems fishy to me that they make it a 32 hour work week. In a lot of places, you need to be 40 to be considered full time. Any less than that, not legally required to be given health benefits (Canada at least)
Load More Replies...People used to work 12 hours a day, six days a week. Unions changed all that.
As long as it is a shorter total number of hours a week. A 40 hour four day work week was tried at one of my places of work. They discovered people get zero work done past the 8 1/2 hour point. They all sort of have glazed look and no ability to focus after that point.
Justice System.
Crimes are punished unequally. Whether it's because of how laws are written, socioeconomic background, judicial discretion, DA's refusing to prosecute, or ect.
A Black woman in Texas is currently serving 5 years imprisonment for voting "illegally." She was only following the (erroneous) information from the state registrar. A white woman, who happens to be married to a Republican politician, was recently found to have fraudulently voted over 30 times in the same election. She's not in jail, nor will she ever be.
The Golden Rule - whoever has the most gold gets to write the rules.
The exact reason I am in law school. I read Just Mercy by Bryan Stevenson and now I want to help if I can
In the US...... remember the whole world isn't as bad as the States
Saw a special about the public defense office being so overwhelmed that their defense lawyers can only spend an average of FOUR MINUTES per case....
The right (or refused right) to repair. Absolute b******t that i cant fix my own s**t.
This is absolutely BS. like you can't tell me it costs more to manufacture a car with heated seats and then every car you make rolls off the lot with those heated seats and you unlock them via an app payment or something. How does that even make sense. And camera that are already installed being locked...that only makes sense if you are paying for server space. You should still have local storage options like a hard drive you can personally access. The day I pay for a subscription like that please kill me.
Load More Replies...Yes. A small step in the right direction - recently read John Deere had to allow repairs outside of official JD repair centers. Related - forced payment for hardware you already own. BMW actually has subscriptions to use things built into your BMW care like seat heaters. I mean.. W>>T>>>>F>>>?
John Deere, and many many others too. Capitalist greed at it's finest.
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Unpaid lunches that extend your work day.
Not the employer's fault. Required by law.(USA). An 8 hour work day has to have two breaks and a 30 minute (at least) lunch break.
Sure except when my dad was still working he worked 9-5 including his lunch break and I work 9-5:30.
Load More Replies...In the US, OSHA rules require a company to give you at least a 30 min lunch. I used to have a hard-nosed HR person that REQUIRED us to take that time, unpaid! My boss didn't care, and said I could work through and put in hours as 8 1/2, but take off after 8 hours. I was working part time so usually in the US, no benefits.
Not every state has a break mandate, Florida being one of them. You can be fired for taking a bathroom break.
Load More Replies...THIS! I had to fight like he!! to get my work to schedule 8hr shifts, not 9. "But you're required to take a break" - yes, I will. After I'm done working. Your don't get to dictate how or where or when I spend my time when you're not paying me. Just no.
if it's required by law, your employers hands are tied. and most laws have wording that says break must be taken before the last hour of shift to avoid enoloyees moving it to the end and going home 'early'.
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College bookstores
The editions, my goodness...every year. I bought a 4th edition last year for $5 of eBay and it was 100$ cheaper than the 6th edition...the main difference? The new one was printed in color. Lol
But then you get assignments from the book and the editions have different questions, or the same questions in a different order, and you're screwed.
Load More Replies...Not fair, the bookstores are not at fault, they sell lot's of stuff on campus not just textbooks. It's only the textbook/author system that's ripping us all off. And the Professors who insist that the newest version is the only acceptable version of the texts. Much less a bookstore issue than the American Educational Complex. If in doubt, compare the public secondary school textbooks (7th - 12th grade) with in many districts still use 10 year old (or older) books, vs the college system where 5 minute old printings are out of dat per the Universities.
Actually, professors write books about the subjects they teach, and then make having that book a requirement, so they can make some money off sales. Their books can't count on a mass market, being usually limited to the people taking the professor's course, so they are way more expensive to manufacture
Load More Replies...Double down on this scam is articles that have done comparisons and found only a few words or paragraphs changed between the "old" edition and the "new" edition. In other words, it appeared they made a few superficial changes solely for the sake of being able to say, "You have to purchase the new edition".
Or they charge $1 less for used than the new, or refuse to buy back because the edition isn't being used any more, only to have my roommate walk in the next dall with the exact same thing. Both real examples. Glad I didn't toss it. He took it back during the full refund period, and I sold him mine for half what he paid. It was the most I ever got back from a textbook, too.
How about enjoying a course so much you want to keep the text, then you move and it's lost. You can't replace it due to distance and revisions. Arrggh!
Load More Replies...Omg! Yes! I had to buy a 3" thick book for an intro to law book for $94 that we used about 1/20th of for thr class. Edition updated before next semester so couldn't even sell it when I didn't need it anymore. Another was only $15 but was marked $9.99. We were given the list of needed material just days before class started so the school book store was our only option. This was in the late 90s so ordering online and getting right away wasn't a thing
This quarter I paid $500 for textbooks for 4 classes. Last quarter I paid the same amount for 3 books. I remember the first time I went to college...books were included in tuition (I'm only 50)
Your books were included your first time around? Not much younger than you and books were separate
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TurboTax. They lobby the government to make it difficult to do taxes without their software. I lived in the UK and it took literally 15 min to do taxes on bad government software
You can do them for free in the US as well. On a lousy government website. It's just not as popular or widely known.
You can also do them for free (for simple returns covering 90% of returns) on turbotax etc. It was the political compromise between spending tax money to create a good electronic government owned system or let the private industry have it. In order for the private companies to be allowed to offer the service, they have to do it for free. Of course the private systems try to convince you that "your" return is abnormally complex and therefore need to buy extra help from them.
Load More Replies...I pay because it is a convenience thing. I hate doing taxes anyway so $50 is worth it to me
Same! Been using them for years and love them. Much better investment than a personal accountant. But I'm a freelancer with multiple side gigs, several w2's, royalty payments etc. etc. If I only had one job, I'd a paper version by myself for free.
Load More Replies...The tax preparation industry stops the IRS from doing your taxes for you - they already know everything about you so...
Free government electronic filing would be nice but 1. You CAN do turbo tax for free depending on your income and 2. I filed paper returns for decades and only cost was the stamp. It really isn't that hard to file a paper return. Exception being if your tax return is unusually complicated and then paying for software or an accountant is probably a good idea. But for most Americans, you fan file for fee if you want to. I do agree that Turbo tax is extremely low key about the free version though. And if you use the free version they still try to upsell you with audit insurance and stuff like that.
TurboTax hides their "free" tax prep program. John Oliver did a whole show about this scam
Find a good account. Save receipts for everything. I did turbo tax for years and owed every year. I pay an account now. I usually get alittle money back or break even. But if Im going to be out a few hundred bucks I'd rather give it to a small business owner over the government who I've paid tens of thousands to already.
Political promises
They are a sad joke. USA - every election cycle I get a ton of political mailers. I send them straight to recycle because without fail they are variations of "Look at the photo of my happy family and dog. I am here to work for you. My opponent is evil and out to take away things you want" both sides do this. I do try to research candidates on actual votes they have cast in the past, thing they have said. But at election time it is just a sad flow of BS.
With pre-printed replys for whatever stance you chose on an issue, pro or con.
It's a Catch 22, isn't it: we want good people to represent us, yet the people we end up getting ....
Herbalife 🌿
I watched John Oliver's piece on this...it's absolutely horrible.
Herballife yes. but also every MLM ever. Way back in the 60s / 70s my parents sold a couple of MLM products that were actually decent products. They made some side gig money selling genuinely decent products but nothing get rich quick or be your own boss type of stuff. But as a general rule, listen to the motivational speakers for several MLM companies and if you omit the name of the product then all hit the same psychological points. "Our product costs more because it is superior. Make bit money fast. Be your own boss. Your friends will thank you for suckering them in." I have a (relative) who is a serial MLM person. AMS oil, karat bar. Melaleuca, Seacret, others. Every one sucked them in and cost them more money than they made. There spouse is frustrated by cabinets full of "make more money with monthly auto shipments". And scattered - have had other relatives over the years into Mary Kay, Avon, Tupperware, A term life insurance company I forget the name of. Amway, etc.
I did Herbalife for a while...basically paid money to starve myself with only overly sweet shakes to fill my stomach. Yes, I dropped weight but I lost more money and eventually couldn't even stand the taste of the shakes anymore.
The ancient Egyptians built them to last and weather the tests of time...physically and figuratively...
Student loans
There are less expensive options for many people to attend college, but, for a lot of students the allure and expectation of the "college experience" causes them to make the wrong decisions.
Everyone should have the same opportunities for college. Period. Don't blame people for going out of state when it's expensive- blame the schools that are extra expensive for out of state people. Not to mention the fact that many jobs these days require a four year degree.
Load More Replies...Sorry, can’t agree. If you can’t afford the loan, don’t borrow! Try welding, or carpentry, or plumbing, etc. Many of these professions pay you while you learn! You make very good money when qualified. You’re ALWAYS needed, as opposed to, let’s say, philosophers. And no loan to pay off.
Agreed. I couldn't afford to go to college so I didn't. Now people are expecting to just have their education paid for because they don't want to repay an obligation they agreed to.
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Middlemen/Brokers eating up the profit and inflating the prices in pretty much every business.
cremation here, no urn, just fling my ashes to the wind...after having given away any good bits that is!🤣
Load More Replies..."I'm having a heart attack! Call an undertaker!" "You mean an ambulance?" "No, an undertaker. I hate middleman!"
On a lighter note, Santa Claus 🎅🏻 🎅🏻
Unlike other scams, I am 100% OK with this continuing.
Arbitration clauses in almost every service provider contract. Tricking you into giving up your access to the court system. Nobody talks about it, but they should.
And binding arbitration, to boot. That means that, if the arbitrators decide against you, it’s final. You have no means to appeal their decision. You also cannot discuss the particulars of the case with anyone. Binding arbitration clauses are the worst option, especially if the company requiring it also gets to choose the arbitrators.
These are called adhesion contracts and they generally do not hold up in a court of law as a binding contract. An adhesion contract, also known as a contract of adhesion, is a contract where the parties are of such disproportionate bargaining power that the party of weaker bargaining power could not have negotiated for variations in the terms of the contract.
When I went to work for a quick serve company, I refused to sign the arbitration form. They had never had anyone do that before (thousands of managers) and had to find and print the refusal document. When I became a consultant, I also refused the arbitration document. Oh, you want me to throw away my rights? No, thank you! You have the right to refuse this (in America at least) and other than being surprised, no one has had an issue with it.
I've noticed this working in HR, always part of the contract, which is weird. Always saying you can't take legal action.
This applies to everything. I had to sign a document before I was given anesthesia for a tonsil removal. I was an adult and had time to read it. I did sign. Mentioned to the person that collected it that it summed up to say that if they dropped me on my head or pushed me off the table they weren't responsible. Pointed out that it was a nice try.
FYI: it is legal to cross this section out, initial next to it and send it back. Either you won't get your service and deny the contract, but if the service starts to be provided, that is the signed contract. Most have gone digital so this doesn't happen all too often anymore, but if you get paper then your options are open.
Don't forget, this also keeps big companies from dragging your butt into court
America's Tax Return System
A flat tax sounds good in theory but when you actually do the math, it’ll be a massive tax cut to the rich and an increased burden to the poor, who already spend all they have just to survive.
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As an academic scientist pick one of these two: We use tax payer money to fund biomedical research, which we then write up into a research study and pay the Journal so that they can publish the said study only for the journals to turn around and put them behind a paywall.
We also use taxpayer money to fund years of biomedical research, which occasionally results in a groundbreaking drug/treatment, which then gets licensed out (usually) by a pharma company, which then marks up the price and turns around and charges the taxpayer an absurd amount of money to use the said drug.
Edit: Additional salt to the wound: Do you guys know Moderna (which made the mRNA covid vaccine) and the NIH (the federal institute that performed initial pre clinical research on the mRNA vaccine and also literally funded the research) are in a patent dispute over the vaccine?
In the US our whole health system is F'd. The argument is generally along the lines of, "If you don't let us charge a gazillion dollars for this new drug then drug companies won't have any incentive to develop new drugs. Meanwhile same drug is often sold to other countries for a reasonable price based on what they can afford while gouging US patients. I feel like the government could save so much money by paying for the research and keeping the rights to the resulting drugs.
This one really gets to me. The government pays for the research, but the manufacturer charges astronomical prices for the drugs, at least in the U.S.. saying they need to recover their research costs! Our overall medical costs are ridiculous, yet we rank very low in many health measurements. Maybe capitalism isn’t all that great.
I don't think it's a scam, but the prices like "4.99$", when it's clearly 5$, but they know most of the people will tend to think subconsciously it's 4$
In the US, we still have gas prices list with 9/10 penny like $4.99 9/10 - so ridiculous.
It's been used like that for centuries, I think everyone must be wise to it by now, don't you?
I see 4.99 and think "$5", as does most of the general population around here in the podunk town where I live. Dunno why everyone else see it that was, but I always round up for everything bc we have sakes tax to factor in as well
Load More Replies...Not a scam, its called " psychological pricing " its just a marketing tactic, you look at 3.99€ and your brain automaticly assumes the 3 instead of the 4, not a scam per say. And lol its still cheaper than 4.00€...
Sadly it works, having been in retail sales (including eBay) for years, I can promise things at $9.99 sell better than those at $10. I tried the $10.00 pricing and sales fell. Sigh
Most people are stupid. If I see something that end with .99 I instantly round it up instead of down
Depends on your concept of "stupid": or "smart", really.
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Claw Machines
there was a rubber duck claw machine somewhere. I played it, thinking I'd just wasted a buck. The claws grabbed the necks of two ducks. I won two rubber ducks with one play.
Load More Replies...There's one at my local club which the owner told me is actually specifically rigged so that you always win on your third attempt. This was possibly because it was one intended for children. In fact later on when I saw a kid getting frustrated I leaned down and confidentially told him, 'You know, if you have three tries you always win the third time!' Sure enough, the little guy had another go and this time he won.
They are programmed to 'pay out' at the owner's discretion. Most are set to 8% win
Most of us are just doing it for fun. I know I have never won anything but it's fun to try!
My family played these all the time. We did win frequently. Throughout each year we would collect the stuffed animals then donate them to the local hospital during their annual toy run.
Worked at CapitalOne Investing for a while. Came to understand that the 401(k) system is merely the base layer of a congressionally-sanctioned Ponzi scheme to prop up our stock market. If 401(k) contributions were to dry up tomorrow, the entire house of cards collapses.
There is now legislation that proposes increasing the contribution limits and even making 401(k) participation MANDATORY for some employers. A healthy financial system wouldn’t need such measures.
"participation MANDATORY for some employers" employees need spoon-feeding. Otherwise they'd use the bucks on boats n stuff rather than saving it. (I 'm retired on my 401(K))
Employees need to be treated like adults capable of determining whether they want to spend their money on a trip to see their dying gran or a 401K that they may not even live long enough to withdraw from. The government should focus on ensuring basic human rights to food, healthcare, and safe shelter without putting the responsibility for planning for that back on the people. That's literally why taxes and politicians' jobs exist. If people are making "dumb" choices with their money, invest in better financial education and promoting a living wage so that people will choose to save for the future.
Load More Replies...Most people never think about contributing so many companies open a 401(k) for a minimal amount (FFS, at least contribute enough to get the full employer match - free money)
Well.... my 401K has made me a lot more money than I put into it so I'm not personally complaining.
Well, Ponzi schemes make a lot of money for the people who get out early, it doesn't make them a good system...
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luxury skincare. go to a dermatologist. pay less. get real results.
If you can afford to buy product month after month for your acne or another condition, go to the dermatologist and get something that might cure it. Proactive and that sort of thing will just keep taking your money forever. If you just want to copy a Korean 7 step beauty routine, then you're going to spend way too much anyway.
I like to use some of those natural things...like aloe of the plant or brown sugar with lime and honey. It seems to work and pretty inexpensive.
Reddit awards.
Does it have any real monetary value in the real world? I'm genuinely asking, anything I know about reddit is only from bored panda..
Load More Replies...That we allow people to sell “buy my course to see how you can make money”. It really should be a regulated situation.
Find gullible persons, sell snakeoil equivalent - physical, intellectual - to them, be rich, done. Right?
Load More Replies...paying for what the earth gives us for free
I’m writing a prospectus to attract investors to my breathable air subscription service. The sky is the limit!
"Oh look, it's Aloysius O'Hare - the man who found a way to sell air!" "And became a zillionaire!"
Load More Replies..."Omg everything should be free" It's not like we have the current infrastructure for that to occur yet, which is why we have capitalism.
SIM Activation fees
Activation fees in general. Isn't it your job to activate my account to give you money??
