Month: November 2020

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People Offer the Weirdest Facts They Know…for Some Reason

What’s the absolute weirdest fact you know?

I’m talking about the most out-of-this world, bizarre fact that most human beings should have no business knowing?

Think about that while we dive into some oddness!

Let’s see what kind of weird facts AskReddit users have rattling around their brains.

1. Weird!

“If you have a shrimp allergy you also can’t eat cicadas.”

2. Who knew?

“Before clocks were invented clockwise and counter clockwise were called deisul and widdershins.”

3. Kind of scary.

“Most dying people don’t just slow down breathing and stop silently like the movies. The agonal breathing they do the last few hours or minutes is often startlingly loud.

But it makes their CO2 so high that they are unconscious and not suffering, it’s just hard on the hearer.”

4. Wooohooo!

“Probably the most innocent fact here but- chickens (hens) have an egg song when they lay an egg.

It’s like them yelling “I JUST LAID AN EGG! WOOOO!” And then the other hens chime in yelling “YAAAS SHE JUST LAID AN EGG! WOOO!””

5. Be careful.

“Male hedgehogs mast*rbate for pleasure and you have to be careful picking them up because sometimes they have semen on their feet.

It’s something you have to look out for when you’re a hedgehog owner like myself.”

6. Wow!

“Saddam Hussein wrote a romance novel called Zabibah and the King.”

7. Odd.

“Urine is historically one of the biggest exports that Newcastle UK ever had.

It was used for a variety of purposes especially for making ammonia to make paint.”

8. That’s crazy.

“Dr Jekyll and Mr Hyde was a really popular novel, and was made into a stage play.

The actor playing the eponymous role(s) was so good at switching from the good doctor to the evil Hyde that people wrote to the police claiming that he absolutely had to be the real Jack the Ripper (who was thought likely to be a qualified doctor based on the way he dissected his victims).

They thought no normal person would be able to make such a transformation.”

9. Oh, thanks.

“You can neutralize the smell of a rotting corpse by covering it with the ashes of a common camp fire!

Any wood ash should work, friends.”

10. What a coincidence.

“The last person who died building the Hoover Dam was the son of the first person who died building it.”

11. Don’t try it.

“Licking marshmallows and sticking them on a car on a night below freezing will cause the marshmallows to adhere so strongly that if they are removed while still frozen they will take the car paint with them.”

12. Fight to the death.

“An important predator to the Canadian Moose is the Killer whale.

The Moose will swim over seastraits and get picked off by the killer whales.”

13. War is Hell.

“That in WWII the United States designed “bat bombs”

Basically canisters filled with bats strapped with incendiary devices

The idea was that you drop them over a Japanese city, which were largely wood structures at the time. The bats roost in attics and so on, then after a certain amount of time they detonate.”

14. Really?

“It’s illegal to be intoxicated in a bar in Alaska.

I won a trivia game at work because I happened to know this obscure fact. The lady organizing it accused me of cheating because no one had ever known the answer to “in which state is it illegal to be drunk in a bar?”

I’ve known it for so long I don’t even remember where I learned it.”

15. Oh, rats!

“Rats constantly leave a trail of urine while dragging their tails. You can follow the trail with a UV light.”

16. I did not know that!

“Redheads require more anesthesia drugs to remain unconscious during surgery.”

17. A long way down.

“The farthest fall for a human being to survive without a parachute is 33,300 feet.”

18. Ugh!

“Many deaths in the Middle Ages resulted from pigs wandering into peasant homes and eating babies out of their cradles.”

19. Good to know.

“MLB umpires are required to wear black underwear in case their pants split during a game.”

20. Whoa!

“Imagine this:

You’re walking down the road, and you see a car crash. Someone gets out of a car, and you realize it’s someone you know, so you call their name. They turn, and crumple to the ground.

What happened? They dislocated a bone in their neck, and when they turned their neck, they fully snapped it. There’s a bunch of stories of this happening to people, which is very scary.”

Okay, now it’s your turn

In the comments, tell us the absolute weirdest fact that YOU know.

Please and thank you!

The post People Offer the Weirdest Facts They Know…for Some Reason appeared first on UberFacts.

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People Talk About Things That Are Not Serious but Can Ruin Your Whole Day

If you’re anything like me, sometimes you let little things ruin your whole day.

I know, I know, it’s definitely not a good thing and I’m trying to work on it, but I’m still guilty of letting it happen from time to time…

Do you let things that are not serious ruin your day sometimes?

Here’s what AskReddit users had to say about this.

1. The absolute worst.

“Getting in the most comfy position in my bed, but the sudden urge to pee arises.”

2. Now I look stupid.

“When you’re trying to show someone something and at that very moment, whatever you’re trying to show them is fine/isn’t working and you look dumb.”

3. Here we go again.

“Waking up to the wet choking sound of your cat or dog puking on carpet, with just enough time to hear it happening but not enough to prevent it.”

4. Back in the day.

“It’s going to sound stupid, but back before the times of all online schooling/social distanced sxhooling – someone taking your seat in class.

Doesn’t matter if it was highschool or college I would get very put off from not being in my seat in class. I was told once it’s probably connected to anxiety or something but ehhhhh.”

5. Time to rage.

“Food I had left at home that I was looking forward to eating after a long day at work being guzzled down by a family member.”

6. That’s not mine.

“Wrong coffee order. It kills me for the day.

I know it’s not a big deal and I can’t get mad at a little mistake but f*ck, not my coffee.”

7. Uggghhh!

“Being on hold with customer service for over an hour and then getting hung up on.”

8. Oh, no!

“Feeling good about yourself and then walking past a shop window or something and catching a glimpse of your own reflection.

Day ruined.”

9. Bad mood.

“Getting a flat tire.

If you know what you’re doing you can have it fixed and be in your way in 10 minutes, but now your day is ruined, your mood sucks, and you’re going to probably have to pay for a new tire.”

10. Let’s do this later.

“For me, it’s my wife talking about planning things before my 1st cup of coffee.”

11. None of it is true!

“Hearing rumors/ lies about yourself.

It doesn’t matter especially when it’s not true but certain days it stings more than others”

12. Like losing a limb.

“Realizing you left your phone at home 20 minutes after you leave the house…”

13. May I speak?

“Repetitively getting cut off talked over mid-sentence when discussing things in the work place.

I’m speaking because I believe I have something to add. Being talked over repetively then, having folks do it on purpose after they realize it’s my tick completely deflates me.

It enforces the notion of not being valuable to the team, and I shut up.”

14. All bad stuff.

“Not being able to sleep the night before.

Spilling coffee on yourself right after you get dressed.

Cat puked on the carpet.

You open a weird book and unleash a demon older than the world, and the cafeteria is out of a lot of stuff.”

Now we want to hear from you.

In the comments, tell us about the small things that can ruin your whole day.

Thanks a lot!

The post People Talk About Things That Are Not Serious but Can Ruin Your Whole Day appeared first on UberFacts.

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People Discuss the Really Bad Financial Decisions They Seen Folks Make

It’s really hard to see people go through very difficult times because of bad financial decisions that they’ve made in their lives.

And, as you probably know, it happens to quite a few people.

So what’s the worst financial decision you’ve seen someone make?

Let’s check out some interesting stories from folks on AskReddit.

1. Irresponsible.

“People who make over $250k (sometimes WELL over), no withholding, not paying estimated taxes throughout the year, can’t afford the tax bill with the return EVERY YEAR, then b*tching because they can’t afford the installment payments on the taxes they owe from two years ago.

Motherfu*ker, sell your gaudy McMansion, take your teenage daughter’s credit card away, let your drunk driving son stay in jail and get a public defender, and tell your wife to stop spending all day at the tennis courts sipping mimosas.

Get your sh*t together and pay taxes throughout the year like the rest of us. You aren’t being persecuted by the IRS, you’re just an idiot.”

2. Sad.

“I work for a bank.

One of our branches had a customer who was basically homeless. Then, he wins the lottery! Over the next few months, the staff watched him come in to withdraw thousands of dollars every day to spend on extravagances.

Everyone tried to convince him to sit with a financial advisor to help him make the most of his money. Less than a year later, he’s in slightly better shape than when he started; he’s at least able to live in the car he bought.”

3. Yowza.

“I’ve had a client where I noticed this guy’s credit debt always remained hovering $13k to $15k.

I asked him why he only makes minimum payments on his credit card instead of paying it off, because I see he has roughly $11k sitting in a bank account. Interest per month on that credit card bill is roughly $250, and according to his repayment patterns it will take him roughly 19 years to pay it all off.

His answer to me is the bank charges him $7.99 per month for his bank account if his balance dips below $10k… So to save the $7.99 per month this guy is paying $250 in interest on his credit card.”

4. Do your research.

“What I’ve seen, countless times, is someone who started a business with ZERO research, no understanding of what running a business involves. (Here’s a hint: practically every business involves paperwork and deadlines.).

The business models come in waves… for awhile it was Barbecue shacks, then it was cupcakes, then house flippers, then food trucks. I think they see it being done on TV shows that make it look fun. It isn’t fun when they come to me with debt, tax levies and lawsuits.

IRS and state labor department and health department on their backs, and suppliers taking them to court for unpaid bills. Some of them cashed out their retirement account to buy a business; others put their house up as collateral for an SBA loan. it’s a nightmare.

If they had come to an accountant first, we might be able to help them (or even better, dissuade then). I usually see them after 18-24 months of screwups and by then it’s usually too late to rescue them.”

5. Uh oh.

“An older gentleman came in worrying about a ton of overdraft fees on his 18 year old sons account. The fees added up to a hefty amount and he was worried that the charges were fraudulent.

Upon looking at the account history, every recent purchase was to OnlyFans. The fees were happily waived and no detail was given as to what OnlyFans is, as the kids old man clearly didn’t know.

I think about that kid often. I wonder how he’s doing.”

6. Car problems.

“Claims Adjuster here, and I see it happen all too often – trading in vehicles with negative equity.

Why? Why can’t you be financially responsible and pay off your vehicle instead of rolling the leftover loan onto that new shiny machine you just can’t resist, and rinse/repeat a couple of years later. Your loan is just getting bigger and bigger.

I had one client (recent, otherwise I had more than that) – who totaled his vehicle. He blew pass a stop sign and collided with another vehicle. Guess what friend, out of that $70,000 you still owe to the bank because you’ve traded in 4,5 vehicles over the years – we are only covering you for what your current vehicle is worth today, around $25,000 or whatever it was – depreciation applies unless you have the proper endorsement in place. That means you will be paying the bank for the leftover loans of some vehicles, none of which you own.

Own one vehicle, one loan – if you ever totaled your vehicle, insurance will provide you enough to cover the loan. If it doesn’t quite cover it because of high interest, it sure as hell isn’t a $45k loan left.”

7. Bummer.

“I had my former boss decide it was a great idea to buy land in Texas, our company was based in PA, in the middle of nowhere because he talked to another business owner who told him it was going to take off.

Myself and my co-worker advised against it but things were slow and he didn’t listen. At first it was going to be a place of operations but then he decided we would just rent out rooms to the people who worked down there in the oil industry. Dumped loads of money, time, and blood, sweat, and tears into it for it to just go bust not even a year later.”

8. Play nice.

“Worked in a family law firm.

Way too common of an occurrence is a client ignoring the lawyers advice for a balanced separation agreement and instead ambushing their spouse with an agreement that says they are getting everything.

Now instead of a relatively amicable breakup and maybe some mediation to sort out some sticking points it’s tens of thousands if not hundreds of thousands of dollars in litigation costs.

If you are going through a divorce play nice. The only ones that win in a bad divorce are the lawyers.”

9. Hmmmm…

“I audit larger companies so I don’t work with individuals. However, my friend’s dad mentioned that he pays 3.5% annually in advisor fees to his financial advisor, and that’s not even including the fees that the mutual funds he’s invested in are charging him.

So annually, he’s paying out in the ballpark of 4.5% of his portfolio. That’s right, every freaking year. I tried to explain to him that these fees are potentially costing him millions more than a reasonably priced advisor who recommends low-cost mutual funds would charge him throughout a life time. He just kind of shrugged and told me that he felt comfortable with the guy.”

10. Time to mitigate the damage.

“A 94 year old woman withdrew a $540,000 annuity that she THOUGHT was a TAX FREE life insurance policy. She owed the IRS over $90,000 and the State of Michigan $14,000.

When I explained it was an annuity and not a life insurance policy she panicked. What was done was done and we just had to mitigate the damage.”

11. That’s not good.

“The parents of a young woman bought her a condo. They paid cash so she wouldn’t have a mortgage. She sold it so she’d have party money.

Not only did she no longer have a place to live, she owed taxes on the gain. But she’d already spent the proceeds so didn’t have money to pay the taxes.

Oh, and she didn’t have a job because it would interfere with her partying schedule.”

12. Family drama.

“Grandma pulls 50k to help grandson pay off college debt. He blows all the money, steals another 10k from her.

She won’t file police report because “they are family”, daughter steps in, grandma is furious with daughter for telling police what happened. Grandma takes daughter off as beneficiary, replaces her with grandson.”

13. “Still haunts me…”

“I’ve seen plenty that made me cringe, but the worst one wasn’t because there was a lot of money involved.

So I’m working at this bank branch years ago, I was tired of being stuck in the drive thru so I made a lateral move to be a floating teller among other things. But occasionally I’d have to fill in at the old branch, which sucked because the manager there hated me.

Anyway, during my time there I became acquainted with an older gentleman, he was a world War II vet and was always wearing his navy vet cap. I talked to him every time I saw him and he was always really nice, had a great sense of humor, and even in old age he was still mentally sharp.

So this one day I’m filling in at the branch covering for the new accounts person. This guy walks in and I immediately knew something was off. I greeted him and asked how I could help him, and what he said broke my heart. He told me that he wanted his daughter off of his account, that she had been taking advantage of him and his money was being wasted.

I did my due diligence and brought up some history and asked him about specific charges, I remember there were a bunch for a couple of salons, so clearly those weren’t his transactions. The last few times I had seen him, there was a younger woman with him that I hadn’t seen before, and he was pulling out cash and giving it to her.

It dawned on me that each time I had seen him, he was there with someone else that did all his stuff for him, and that this time he had come in alone, which never happened.

So while looking at his account I noticed that his daughter is an owner on the account, meaning he can’t just remove her, she has to consent to it. When I asked him if he thought she would agree to that, he said no and started crying.

Normally we weren’t supposed to keep pushing a situation like this, but I really wanted to help him. I told him I couldn’t get her off the account, but I could open him a new one where he would be the only one on it, and then we could transfer the money over.

I could tell he was relieved when I said that to him, so after a few minutes I took care of everything for him. I specifically remember that after I finished, I gave him my business card, and told him that if he had any issues he could call me. A few minutes later he left happy, and I briefed the manager on what had happened.

A day or two later I’m working at another location when I get a call on my cell from my boss, she asked me if I had helped an older gentleman with his account when I was at my old branch. It turns out that after I had helped him, his “daughter” had tried to use the account to pay for more of the sh*t she was wasting his money on, and the card was declined.

She had gone into the branch and raised hell, screaming at the employees there and demanding they bring her the person responsible. The business card that I had given the man didn’t have my direct number on it, the number went to my boss. She had screamed at my boss and demanded that I be fired for what I had done.

My boss as well as the branch manager that hated my guts had both defended me and neither of them would give in to her demands. But I found out later on the next time I saw my boss, she had forced the old man to either move all the money back to the old account or to make her an owner on the new one. When anyone asked her about the situation, she just claimed that he had dementia and didn’t know what he was doing.

I honestly hope she was telling the truth, but I never saw that man again, and had moved into another role and then to a different company not long after. I went to anyone that would listen about what happened, but no one could do anything because elder abuse is so difficult to prove.

The whole thing still haunts me, I saw an old man asking me for help and did the best I could for him. In the end he either made the decision to keep her around or was forced to, and I worry I just made things worse for him.”

14. Wow.

“My brother had a long standing client of around 10 years get married after only knowing a woman for 12 months. He was almost 55, she was in her early 30s.

55 y.o. man wanted to add her as a signatory on his retirement account. Basically giving her 100% power over the account. A quick soft credit check showed she was not good with money. My brother offered up many different options as to how to give her access to the money but with limitations. He even straight up refused to do it, saying that he needed to think about it for a few days.

The guy came back in the next morning saying he would file a complaint against him if he didn’t set it up. My brother said that he would need to get the documents notarized, and sign a waiver that this is against the institutions advice.

The guy comes back in later that day and finalizes the deal.

You can guess what happened within about 6 months.

The account had around 600k in it to begin with, and she had managed to run off with about 65k before the account was frozen by my brother for review of withdrawls.

The man was p*ssed and tried to lawyer up twice. Neither time did it even go to court.

His advice is that if you are married and have investment accounts, just keep them separate unless you REALLY have a reason to give them access. You can totally notify the agency about your marriage, and sometimes in certain situations the spouse can get limited info confirmed for medical bills and such.”

How about you?

What’s the worst financial decision you’ve ever seen someone make?

Tell us your stories in the comments! Please and thank you!

The post People Discuss the Really Bad Financial Decisions They Seen Folks Make appeared first on UberFacts.

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People Share Their Opinions About Good Things That Have Happened in 2020

Even though it’s been a rough year, there’s still a lot of positivity in the world, right?

Darn right! We have to look at the good side of things or else you get dragged down and you bring down those around you.

So what are the good things that happened in 2020?

Here’s what folks had to say on AskReddit.

1. Good for you!

“I quit smoking cigarettes. It’s changed my life.

I was using an inhaler multiple times every single day and now it’s somewhere in my closet… I don’t need it anymore. I’m sleeping way better and there’s no irritability or impatience in me.

Next week will be six months clean and this week I already felt gratitude for being 10 months sober! I’ve never had this much control over my addictions and myself in my entire adult life.”

2. All good stuff.

“I got a higher paying job, paid off some debt, moved, lost some weight, got back into an old hobby and bought a house.”

3. In love.

“I got a second chance at love!

I’m still young but my last breakup devastated me and with chronic illness I thought nobody would be able to handle it or I wasn’t worth it.

So far, things are going really well with him.”

4. We all liked it!

“That video with the guy longboarding to “Dreams” by Fleetwood Mac and drinking Ocean Spray.”

5. Congrats!

“Astronomer here! I

finally in May became Dr. Andromeda321 via virtual PhD defense. While virtual is not what I wanted, it was a goal I worked hard to achieve for about eight years despite several obstacles along the way, so it was really awesome to get it done!

And the university is still holding my official diploma, with the plan to have a big fancy ceremony whenever it is safe to do so in person.”

6. Nice work.

“Long story short, I pulled some kids out of a burning vehicle AND got a raise and a very nice bonus afterwords.

Company-wise, my boss has been very good to me this year.”

7. Your rock.

“I realized, after spending copious amounts of time with the husband, I married my best friend.

I think we are more in love now than before we got married. 2019 was a terrible year for our family. My dad died in December (he was only 58). Honestly, 2020 has been way better.

My husband has been a rock through all that.”

8. Movin’ on up.

“I got a job that I genuinely like that pays well. I interviewed in March over zoom and started working in April.

This has allowed me to start saving up money and get more financially secure.”

9. Good friends.

“My friends and I started Zooming every weekend.

We’ve never been closer since graduating high school 26 years ago.”

10. Win-win.

“A lot of people (including myself) have cut out thousands of miles of commuting this year and are now working from home.

That’s a lot of money I’m not spending on gas, and less car exhaust polluting the air. Seems like a win-win. Plus the extra free time not spent fighting traffic is a nice bonus.”

11. Your best friend.

“My 9 year old cat, Icy is cancer survivor. It has been over 2.5 years since she had her cancer removed.

Every six months she goes for a recheck x-ray to make sure it hasn’t come back. A couple months ago her x-ray had a questionable mark on it. She went back a couple weeks ago and my Ice Ice Baby is cancer free! Best part is the mark is gone and we don’t have to take her back for 6 months.

Our vet did say she is getting fat so she is on a diet. I blame her brother and sister. They always leave a little food behind after meals and Icy treats it as an all you can eat buffet. But she is on a diet now so only one treatsie a day and no extra food.”

12. A good year.

“Best year of my life, got close to a really good friend, introduced my sister to a really good friend of hers, lost a lot of weight, Edge returning to WWE.

It just became official that I am moving to 1st shift 30 seconds ago of me typing this, met a girl I really like and found my place in life.”

13.

“In Feb I got to speak at a conference in Hawaii before the shutdown. I had enough time and resources from the shut down to do tasks I never had, spent time getting sober, paying off debts and building a nest egg.

I got scuba certified and a couple of publications under my belt. I played all the videogames and watched all the TV series and read all the comics I never had time for. I am still depressed as hell, not just for myself but for those around me.

But I am only working one job and have two days off a week, with a net positive income every month. Romance sucks and I am not in a position where I can be a hoe again, but I am not sleeping with people I dont like to validate my self worth.

I am getting in great shape and working on doing projects I love and eventually getting a career i want and mental stability. There is a lot of sh*t, but I am doing my best to do everything I can for myself and my communities.”

14. That’s great!

“Everyone is talking about themselves, which is great, but I’m interpreting the question as it being in general.

Africa has been declared free of wild polio which is an outstanding milestone which has not been mentioned much due to covid!!”

Okay, now it’s your turn.

In the comments, tell us about some good things that have happened to you this year.

We’d love to hear from you!

The post People Share Their Opinions About Good Things That Have Happened in 2020 appeared first on UberFacts.

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Mechanics Talk About Which Car Companies to Avoid and Which Ones to Look Into

Buying a new car (or a used one that’s new to you) is a very complicated process.

You have your personal opinions about what makes and models you like and no matter how much research you do, you’re gonna find conflicting information about everything.

That’s why we’re in luck today! Because we’re gonna hear from people who work on cars for a living about what we should be looking for when we look for a new ride.

Let’s get educated by folks on AskReddit users.

1. Piece of mind.

“My honest answer is that any car is good only thing you have to respect is your wallet. For example you buy a used Echo for 2k you know every part on an Echo is a bargain even a used engine/transmission. So you can have a certain Piece of Mind

Now problem is with cars that seem “Not High Maintenance” but are actually super high maintenance cars such as the Toyota Prius/Mini Coopers/fiats/Smarts and or any Hybrid/Electric because they’re sold as low maintenance reliable cars but parts on those are extremely expensive. Buying those cars 2nd hand is close to insanity.

Another quote told by a 30 Year mechanic. If you don’t have money for the new car you have less for the older car. Cars lose value, parts don’t and in some cases even gain value.”

2. Commuter cars.

“My dad is an auto mechanic and advocates Toyotas and Hondas for your standard commuter.

We took great care of my 97’ Camry, ran her up to 380,000 miles and still sold for $1,700 due to good maintenance and upkeep.”

3. Truck talk.

“For trucks and SUVs I’dd say go with ford though the Tacoma is on par with the ford ranger. The worst car ive ever seen is a fiat or mini vehicle. This includes anything made by fiat. Like dodge Chrysler and jeep for example.

If you want a good car go with Toyota or Honda. Chevy has been going downhill in the truck department for awhile but their traverse is a decent vehicle. Ford cars suck royally this includes their mustangs.

While car companies vary widely in dependability and efficiency the main factor to a car lasting is taking care of it but, even then its not a guarantee that some vehicles will last.”

4. Something to think about…

“I have 235,000 miles on my 2003 Hyundai Elantra so far.

It’s starting to rust and I’ve replaced the clutch three times, but I still get 30 mpg on the highway.”

5. What to avoid.

“Avoid Jeep/Dodge/Chrysler, Land Rover, Mini, BMW, Mercedes.

Hit and Miss: Ford, Chevy

Solid, Toyota, Subaru (although if buying used ask about the head gasket they do go bad), Nissan is usually good too.”

6. Dad’s opinion.

“My dad was a good hobby mechanic, as well as a race car driver, and the only company he DESPISED was Fiat.

He loved Mazda, and would drive one whenever he had the choice.”

7. Can’t go wrong.

“I’m a mechanic and I’ll drive anything. You can’t go wrong with a Toyota or a Honda, boring as hell but they’ll run forever. I always tell people to look into repair costs and service fees.

Anything uncommon like rear engine or really tiny cars are probably going to be expensive to repair like the mini also sold by BMW and that stands for “bring money with you”.”

8. Straight shooter.

“Stay away from the Nissan Rogue, Murano and Kicks. All of them are hot garbage. The CVTs on those are unreliable, needs constant maintenance, and even with maintenance it will die on you when you need it the most. F*ck Nissan!

Also run from any Jeep. Jeeps are worst than the Nissan Rogue. Parts are expensive, and it will be always at the shop, always. Even brand new! Dont fall for “Wranglers are the best”. All Jeeps are bad. Youve been warned!

Finally, dont get any BMW. Yeah youll find some very cheap and from recent years, there is a reason for that.

Need something cheap and reliable? Get a Kia Rio or Forte

Need something more fancy and reliable? Toyota all the way.”

9. Short and sweet.

“Unless it’s a division or exact company of Toyota, Honda, Mazda or Ford. Stay the hell away from it.

You’re asking for nothing but problems.”

10. Rolling into the shop.

“A few of my good friends are mechanics.

The vehicles that roll into the shop the least: Nissan and Toyota. Toyotas will rust to sh*t fairly quickly, but they’ll stay intact mechanically. Nissan are the best currently, I guess.

The ones they see the most are Ford and GM, as well as pretty much anything from Europe.”

11. Nuts and bolts.

“They’re all nuts and bolts. And they all break eventually.

As far as repairs. Anything German is probably gonna be your most expensive. Followed by Chrysler/fiat. And Toyota. Toyota has a reputation of being reliable but that’s mostly because people in my experience who have Toyota’s tend to maintain them.

I’ve worked as a mechanic in a lot of different dealerships. KIA/Hyundai have a reputation of being unreliable but also look at the demographics they cater to. They typically don’t do a lot of maintenance. Land Rover has a bad reputation of being unreliable too.”

12. Expensive.

“Jaguars are notoriously unreliable mechanically, but I guess if you can afford a Jag you don’t really care about how much you have to pay your garage.”

13. Good advice.

“Toyotas are awesome- but keep is to the cars, not the suvs or trucks so much except those older trucks with lwtters and numbers for names. Good stuff. A toyota avalon from the early 2000s will last a lifeime with basic maintinence.

A corolla or camry is economical AF, but some were built annoyingly so you habe to drop half the front wnd to replace certain engine parts.

Homda accord is a lifeline until it rusts out from underneath you, starting at the rear wheel wells.

The 1990-95ford escorts had a joint thing with Mazda, so their engines are practically bulletproof. Hold onto thwm.

Jeeps ARE trash EXCEPT the inline 6 4.0 motors. Worth fixing but watch out for a cracked block. Resellers can hide them.

Dodges are pretty bogus except the magnum motors. I have a 6cyl 3.9 that is no slouch and headed to 300k.

The single best motor you can get is a a straight 6 out of old nissans … Think they are called Jz2fe or something like that. They are the perfect engines. If you find one in a junkyard, grab it. Dont pass it up. …”

14. High praise.

“My first car was a Honda accord with 120k miles that I bought from my uncle who bought it from my other uncle who bought it brand new.

That f*cking car, in 6 months, had the distributor cap blow up, needed a new windshield, and about 6 other expensive things before blowing a god d*mn head gasket on my way to work one morning. After that I financed the most reliable seeming car I could afford–a Mazda protégé.

Holy f*ck did I love that car and did it love me. I moved to a city where I didn’t need a car, so I sold it to a friend who got several thousand miles out of her and made a tribute on Facebook after she died. I’ve since moved back to a car-driving city.

Bought two more mazdas and loved the sh*t out of both. I’ve driven every vehicle you can imagine, from a 40s international truck to a ’92 3/4 ton chevy to my partner’s lifted Tacoma to a yaris to a 90s altima. I currently drive a Mazda3 and will honestly never buy anything else for a daily driver until the day they stop making manuals.

The single most underrated cars out there as far as I’m concerned.”

How about you?

Do you have any good advice about which car companies are good and which ones are bad?

If so, please talk to us in the comments. Thanks!

The post Mechanics Talk About Which Car Companies to Avoid and Which Ones to Look Into appeared first on UberFacts.

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Tasty Tweets to Satisfy Your Appetite

I think it’s safe to assume that you are STARVING.

No, not starving for actual food! I’m talking about tweets, friends!

Because, believe it or not, they are good for the soul and the really good ones will NOURISH you. It’s all true.

And if you want to do a little experiment, dive into the tweets below and just try to tell me that they didn’t satisfy you 100%…go ahead, I’ll wait…

Let’s take a look.

1. That was a good move.

More people should be doing this with their pets.

2. You’re in luck!

And you don’t really have any choice in the matter.

3. I’ve never heard that one before.

But, there’s a first time for everything!

4. You did the right thing.

I would’ve followed the same plan of action.

5. He already knew.

This guy is a real know-it-all.

6. I wonder if this works…

I guess it’s worth a shot, right?

7. Seriously. You didn’t know this?

Get with the times!

8. There are a lot of shoes along the highway…

Have you ever noticed that before?

9. No, that’s just how he really looked.

Wow! Really?

10. I can’t believe he fired her.

Seems totally reasonable to me.

11. Sounds good in theory, I guess.

In practice? Not so much…

12. These names are out of control.

And I don’t think we should stand for it anymore.

13. Yeah, I’ve noticed that, too.

It seemed so easy!

How about you?

What have you seen on social media lately that made you laugh?

Well, don’t keep it to yourself! Share all the good stuff with us in the comments.

Thanks!

The post Tasty Tweets to Satisfy Your Appetite appeared first on UberFacts.

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People Discuss the Worst Financial Decisions They’ve Ever Seen

Have you ever made a terrible financial decision that affected your life in an extremely negative way?

Unfortunately, this happens to a lot of good folks out there who made a bad money decision for one reason or another…and the aftermath can be pretty ugly.

Here are some stories about really bad financial decisions from people on AskReddit.

1. You gotta pay your taxes.

“Had a client who was extremely wealthy about eight years ago tell us he was no longer going to use our services. Last year we get an extremely angry phone call from his wife asking us why we haven’t been filing their taxes.

We showed her the paperwork where her husband said he was no longer going to use our services. And then sh*t hit the fan. This dude apparently just decided he wasn’t going to pay taxes anymore and didn’t file a return for eight years and had been lying to his wife.

They were rich and owed almost 1.4 million dollars in taxes not including interest and penalties. And oh yeah they got absolutely fried by the IRS. If you are in a relationship with someone you need to be involved in financial decisions.

Never let one party handle all of the money and make all of the decisions. That is how bad things happen in both business and in relationships.”

2. Start-up.

“Saw a guy invest about 600k in a start-up. He confirmed in the 1.5 pages agreement that he was fully informed about everything going on.

Please if you invest in that size, ask a lawyer to at least review the agreement.”

3. Didn’t take your advice.

“I had one client that had the money to pay for his kids college without taking out any loans. Instead, he decided to take out a loan on his house to pay for college in order to claim a deduction on his tax return.

When I explained to him that the benefits he’ll get from claiming the interest deduction on his return would not outweigh the amount he spends on interest he was certain I was wrong, even after I showed him the total amount of interest he’d pay and compared that to the expected tax benefit he’d receive for it.”

4. Big winner.

“I had 1 client that won the lottery. It was a $10,000/month annuity FOR LIFE, give or take. Pretty sweet deal, right?

Well, he never went and claimed the prize because he didn’t want to pay the taxes. I told him f*ck the taxes, he can retire and never work another day in his life while still earning $120k/year. Nope, he’d have to pay the taxes so he didn’t go claim the prize. I think he even threw the ticket out.

Dude makes like $60k/year and he turned down the lotto winnings. Like, if you’re not going to claim the winnings because you’re THAT against paying any sort of taxes why bother playing the lottery at all?”

5. A bad move.

“I had a client in her 70s put her whole savings in Tilray stock.

At the time it was trading above 150 per share. I told her it was a terrible idea to put all of her savings in one investment but she told me I was wrong. She argued with me for a good 15 minutes until I relented and said okay, it’s your money. So she put 300k in.

Couple weeks later it starts dropping, I call her and get no answer. It’s sitting at 6 dollars a share now, her account is down to about 12k. Last time I spoke with her I took no pleasure in telling her she’s no longer my client.”

6. He was warned…

“A client who tried to time the market with the coronavirus drop back in March.

He was 55 and had a 7 figure amount in his 401(k) and was 90:10 equity:bonds. His plan was to time the market by shifting his entire allocation to a money market/ bonds, wait for the market to drop more, and then shift back into equity.

This was at the end of March. I tried to warn him. He didn’t answer my subsequent calls.”

7. Credit card hell.

“I’ve had SO MANY people with credit card debt who talk about investing/ saving for a big purchase, but they have 5 figures of 20%+ credit card debt. “I’d rather focus on investments for this call” well you’re gonna get 10% in the market if its a decent year and you’re paying 26% in interest so you’re losing money.

You have a 50% debt to income ratio, you can’t get a mortgage. Yes, I know the kids really wanted a pool this year, but you have $50,000 of CC debt to pay down before it makes sense for you to start saving for their college. 90% of the time they seem irritated and ghost me because I don’t have some magic solution to make their credit card debt disappear.”

8. No understanding.

“I had a client who wanted to know how to give away her 401k because her and her husband’s pensions were already enough for their lifestyle and she didn’t want to be in a higher tax bracket.

She was in her 60s, worth millions, and did not understand how marginal tax brackets work. Or even basic math. She wasn’t looking to get a deduction through gifting stock.

She (clearly) was nowhere near that level of understanding taxes. She just spent her entire life working hard and being extremely frugal, which led to her being a millionaire who lacked a basic understanding of money. Not really a bad decision but I found it really interesting.”

9. A scam.

“Former manager at a credit union.

One seemingly smart lady in her 70s got one of those lottery scam letters saying she won, but needed to send them money to process her winnings. They kept getting her to send more and more money. We were telling her it was a scam from day 1, but we couldn’t stop her.

She burned through her IRA which had about 200k. Took out a loan against her paid off house for another 200k. Sold her jewelry. Probably paid out 500k total before finally realizing.

We truly did everything we could. Got her family involved. Several of us would confront her every time she came in and would plead with her to stop.

It was sad but at some point you have to cut your losses and realize it’s a scam.”

10. Listen to your accountants, people.

“Best friend is a CPA, and when he had his own practice, he had some pretty big-name clients (Senators, musicians, pro athletes, etc.)

One of the biggest mistakes people made were thinking they were smarter than an accountant. His biggest challenge were the people who heard about the “sovereign citizen” nonsense. To no one’s surprise, a random guy on YouTube doesn’t know more than an actual CPA with 40+ years experience.

At least a few of these new-found “sovereign citizens” ended up doing time for tax evasion.”

11. Lost everything.

“Watched a client walk out of my office after I explained the risk in liquidating his 401K to start his own business.

He started it with no management experience or business model, real “fly by the seat of his pants” kinda guy. Wanted to start a career flipping houses in a college town, turn them into upscale rentals. Did it in a bad neighborhood and lost EVERYTHING.”

12. Gold coins.

“I had a client Buy numismatic gold coins with an entire retirement account. She bought 266k worth of coins at almost double the price of bullion.

I got the gold salesman on the phone and asked him to justify the reasoning and I he said it was because the dollar was paper money and worth nothing and that gold was going to go to 10000 a coin. I asked him what he exchanged this gold for and he said “well she paid me dollars”.

Then I said “why would you accept a worthless currency for your rapidly appreciating gold currency?” He cursed at me and hung up and said I didn’t know what I was talking about.

I still haven’t met a gold salesman that can answer this. Their whole pitch is that the dollar isn’t worth anything but they happily take them in exchange for gold coins. The whole thing is sh*t. Poor lady. She can’t sell them now even with gold bullion as high as it is for anything close to what she bought them for.”

13. A shame.

“Former bank teller here.

Had an older gentleman who would typically only come in once a month and pull out a few hundred dollars for living expenses, nice old guy btw. One month he comes in twice in two weeks and pulls out $5k which was bizarre for him. When he came in the third week in a row I planned on asking him if he was remodeling his home or something but I didn’t have to.

He came in to get another $5k out and told me he had won the lottery but had to pay the taxes on his winnings, some of you already know what’s going on. He had received a letter that he won around $3mil from the Kentucky state lotto, we were in Florida, but before he could claim it he had to pay the taxes on it. His account was setup that you could only withdraw $5k a week hence him coming every week.

I tried to explain to him that he was being scammed and to stop sending them money. He was no longer a nice old man when I said that. He accused me of being jealous of his winnings and that “he’d show me” when he deposited his millions in a different bank, then he left. I talked to my manager who then talked to the cops and they said there wasn’t much they could do since it was out of state.

His family even contacted us and begged us not to give him anymore of his money when they found out what was going on, which we cannot legally do. The only thing we could do was close his account because we didn’t want to have any responsibility in his downfall. He came in the following week, manager explained what was going to happen, and he left with a cashier’s check after quite a few more expletives.

Found out a few months after that the scammers got another $50k out of him before his family was able to get power of attorney and control over his finances. Not sure what happened to him after that but it’s a d*mn shame.”

Now we’d like to hear your stories.

What’s the worst financial decision that you’ve seen someone make?

Talk to us in the comments!

The post People Discuss the Worst Financial Decisions They’ve Ever Seen appeared first on UberFacts.

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How To Stop Dogs From Licking Their Paws Excessively?

It’s a fact of life that dogs lick their paws, but when does it become an issue? You might notice your pup grooming himself from time to time. This is a natural behavior in cats and dogs. But sometimes the licking behavior can go into overdrive, which can be a sign of a health problem. For various reasons, some dog licking, chewing, and scratching behaviors can end up becoming compulsive, which can be a major cause of concern. For that reason, it is important to know why your dog is licking their paws and to know when it’s something to

The post How To Stop Dogs From Licking Their Paws Excessively? appeared first on Factual Facts.