People Talk About the Worst Financial Advice Someone Ever Gave Them

It’s a darn shame when people make bad decisions with their money and they blow it all or take a hit so big that it changes their lives in a major way.

But it seems like it happens all the time, doesn’t it?

Check out these stories about bad financial advice that none of us should follow.

Folks on AskReddit talked about the worst financial advice they’ve ever received.

Let’s take a look.

1. Oh, Dad…

“My father would tell me to max my credit card on a new car and if they asked for payments just say “F**k em, what are they going to do?”

My father is several levels of debt hell deep that he’s trying to get out of now, but he’s at least trying.”

2. That’s a bummer.

“1976 San Franciso.

Keep renting, no one will ever pay $35,000 for a 2 bedroom house and garage with a sweeping view of the East Bay.

I went back to vist the old neighborhood a few years ago, those $35,000 stucco homes up many flights of steps perched on the top of Potrero Hill were now all gentrified, remodeled, gated, and asking $1M+ and that was 5 years ago.”

3. About that iPad…

“About 5 years ago, I had a friend who was trying to convince me to study through a private college because they “gave her a free ipad”.

She never finished the course, but kept the iPad (you only got to keep it once you pay your fees and graduate. Mind you, the price of the course included the iPad so it wasn’t free).

So last year, four years later, I get a call from the college asking for her contact info. She put me down as a reference and they were chasing her down because she still owed her fees and wasn’t entitled to keep the iPad.”

4. Not too bright.

“My cousin bought a camper, went camping once, and then decided camping wasn’t for them.

Rather than selling it they decided to just stop making the payments and “let the bank come and get it.”

Which, eventually, they did.”

5. Hmmmm…

“Don’t take a raise if it puts you into the next tax bracket.

And pay the minimum on your credit card to establish good credit.”

6. Ouch.

“”Don’t major in computer science. Computer scientists are a dime a dozen.”

I did not take that advice.”

7. Just run away!

“Guy I haven’t seen in three years or so wanted to talk me into starting a business with him, because he just got into college for a bachelors degree in business.

Yeah sure, let me get my cheque book out in this badly illuminated garage while we’re both dr**k. Guy also got into MLM and weird self-optimisation preachers.”

8. Okay!

“Get a bigger mortgage, you can deduct more from your taxes!

Yeah dumba**, and I’ll be spending double that amount in interest so why should I?”

9. Ignore it.

“Just ignore the collection call and eventually they will leave you alone….

I didn’t follow this advice.

I had a parking ticket I didn’t know about that ended up on my credit and the guy I mentioned it to gave me that bit of wisdom.”

10. Not a great time to do that.

“First year outta college, working for a financial advisor, and he tried to convince me to put 5% down and buy an apartment in Chicago.

It was the summer of 2007.”

11. Did the right thing.

“”Don’t go to community college, you’ll never get a job. Instead apply at X and X colleges.”

My grandmother, aunt, uncle, and cousin all told me this, and I really considered their advice because my parents really didn’t give a s**t what I did.

Since I didn’t get any scholarships from high school, I decided at least if I went to CC and didn’t get a job I wouldn’t have student debt and I could just do something else.

I went to CC for two years totally free on FAFSA grants (it was 800$ a semester LOL) and did so well I transferred to a university with a (almost) full ride.

I am now a semester away from graduation with a job lined up and all of 4k of student debt which is likely to be forgiven anyway.”

12. Come on!

“Incite me to go to a real expensive restaurant where you can spend easily $250 without drinks at a time I only had $700 in bank account and had not paid for my car, groceries and stuff .

Because “Come on we only live once”.”

13. Time to take a trip.

“My ex (in his mid twenties and lived at home with no expenses) went out of the country for two weeks with a budget of $2700.

He was real proud of his breakdown: $1000 credit available on credit card A, $1000 credit available on credit card B, $300 in available overdraft, $100 in chequing, $300 in savings.

I tried to explain that this is not a great way to budget for a trip, and his response was “credit cards are meant to be used. As long as you pay the minimum payment, you’re good. What do you know about credit cards? You never use it? Start using yours more before you talk to me about money”.”

How about you?

Have you received any bad financial advice?

If so, please tell us about it in the comments. Thanks!

The post People Talk About the Worst Financial Advice Someone Ever Gave Them appeared first on UberFacts.

People Talk About Bad Financial Advice They’re Received

I guess bad financial advice can come from anyone, sometimes even from folks who really believe that they have it all figured out when it comes to finances.

But you always need to be wary and you need to do your homework when you get money advice from anyone, no matter who they are.

Folks on AskReddit shared stories about really bad financial advice they received.

Let’s see what they had to say.

1. Car talk.

“My aunt took me to a car dealership when I was looking to buy my own first car. I was looking at the clunkers I could afford, but she said I should be looking at the new cars.

She said, “the total price doesn’t matter because you make monthly payments.” I suddenly understood too well why she had always been so financially unstable.”

2. Not gonna happen!

“A relative tried to recruit me into Amway.

He wound up stuck with a garage full of their products.”

3. Nope!

“Yeah even if they’ve recently robbed you, you should still lend them the 500$ dollars they need to move to another city, they’re your family after all.

-Dad.

I don’t even know how mom married your dumb a**.”

4. You sure about that?

“My FIL when I mention our retirement plan “I never contribute to my retirement account. Money now is always better than money later”.

I needed to have a conversation with my husband how we would NOT be supporting his mom and dad and their insane spending when they have no retirement plan and make huge financial mistakes on a weekly basis (good news is they both make good money).”

5. Son, let’s have a talk.

“I got 90 dollars and my 11 year old son told me I should buy 90 dollars worth of kazoos.

No real plan past that…”

6. Rent to own.

“”Just get it at Rent-A-Center.”

I had a coworker that got pretty much everything there.

“It’s only $20/week, and they’ll replace it if it breaks.”

$20/week for how long? Oh cool, so you’re paying more than double for it? Got it.”

7. Burning a hole in your pocket.

““Spend it quickly or it’ll get stolen.”

Coming from someone with a history of losing and blowing their money.”

8. Not a joke.

“That an emergency fund wasn’t necessary when you can always get a payday loan or use your credit card.

He wasn’t joking.”

9. Really bad advice.

“One of my uncles once told me that I never really had to pay my phone bill.

He suggested that I simply jump to another carrier and let the first company cut you off.

His life has turned out exactly as you’d imagine.”

10. Oh, boy…

“”Once you cut up the credit card, you don’t have to pay it.”

My cousin is not doing so hot.

I’m pretty sure there are warrants out for his arrest in several states.”

11. I’m just vibing over here.

“”Just get another credit card”.

From my friend who hasn’t worked in 3 years and is currently just vibing with his new credit cards he somehow got approved for.”

12. Don’t listen to them.

“So when I was 24, I was financially struggling. I had a job that worked me a LOT of hours, but only paid me $10 an hour.

My parents talked me into buying a BRAND NEW 2004 4-Door Honda Civic, the pre-interest price tag on it was about $25,000. A few weeks after getting it, my hours got regulated and it took one entire paycheck to make the monthly note on it – I could NOT afford the insurance on it.

I very quickly realized my parents were bad at money.”

Now it’s your turn!

In the comments, please tell us about the worst financial advice you’ve ever received.

We look forward to hearing from you!

The post People Talk About Bad Financial Advice They’re Received appeared first on UberFacts.

What’s the Worst Financial Advice You’ve Received? Here’s What People Said.

The older you get, the more you realize how important it is to be smart with your finances…because a few costly mistakes and you could be in big trouble.

So let’s all try to avoid the advice that you’re about to hear from people…

What’s the worst financial advice you’ve ever received?

AskReddit users shared their stories.

1. Thanks, Dad.

“My dad in 2008 – “Don’t invest that $1,000 into Apple.”

My dad in 2012 – “Tesla is a pipe dream. Stock won’t be worth the paper is printed on.”

2. Hmmm…

“Don’t pay off your entire credit card balance when the bill comes.

Pay it slowly so that it shows your ability to pay debt over time.

This will help your credit score.”

3. Don’t take that advice.

“”Lease a car, don’t buy used”

leased car price -> $25,000

My used car I drove for multiple years without maintenance (aside from tires/oil) -> $3,000.”

4. Time to leave.

“My husband and I were looking to sell our home and buy another and the realtor told us to put 99 dependents on our taxes so we make more. She said she had done it for years and it was fine.

We left pretty quickly after that.”

5. Doesn’t work for everyone.

“Take out a student loan.

You’ll be able to pay it back easy when you have a degree.”

6. Go your own way.

““Don’t be a programmer. Your job will get outsourced to India.” – my dad when I told him excitedly as a teenager that I tried coding and loved it.

I ignored his advice and I’m now a programmer and still love it. Oh, and the pay is great too. I am now making a lot more than he ever did.”

7. Just do it!

“To buy a house when they were giving them out like candy several years ago. I had bad credit and an unstable job, I said no way.

So many people were pressuring me. All those people lost their houses. Those balloon payments are no joke.”

8. Don’t understand…

“Recent terrible advice: I got hit while driving on a highway and have a crinkled in rear side fender and cracked tail light. I can still drive it, but who knows what damage is underneath.

My car is only 5 yrs old with maybe 60k miles, so it’s still a great car. Yet, my early 20s friend said I shouldn’t get insurance to fix it and instead just “pocket the deductible to save up for a down payment on another car”. Or maybe file the claim and pocket the money.

My deductible is $300, and I wasn’t at fault, so the other person’s insurance is likely going to pay my deductible. I just straight up cannot understand where he is coming from. Why wouldn’t I get the car fixed so I have a fully functional, reliable car? It’s, at most, $300. I just don’t understand.”

9. A big mess.

““If you can’t afford to pay back your student loans just ignore it. Can’t bleed a turnip…” – My father.

He followed it with something along the lines of “what’s the worse they can do to you?”

The answer… ALOT. They can do a lot to you.”

10. Can’t do that.

“My parents and grandparents keep pressuring me to quit my job because I’m pregnant. They think my husband’s job will sustain us and we’ll just have to penny-pinch a little more.

I don’t know if they realize that we all live in America. It will absolutely take both of our incomes to raise our child, especially since I’ll be taking 12 weeks of unpaid maternity leave in about a month.”

11. Never heard that before.

““Saving money attracts bad luck” “Do not save or else you’ll end up using it for an emergency”

It’s a Filipino superstition that “saving” attracts an emergency. Do not save so that you don’t experience an emergency.

Being frugal is frowned upon. What happens if an emergency happens and they have no savings?

They “borrow” money from frugal people and if you say no to them because you know they spent their money on useless things they will say “you can not bring all your wealth to your grave”.

I choose the people who I lend/give money.

“Buy things to see the fruit of your labor”

When buying new expensive items, sometimes things they don’t really need. I have no problem on this if only they use this words once in a while but do it every paycheck is too much.

Then they will proceed to tell me buy stuff like them and not be frugal because you know, you can’t bring all those money to the grave so might as well use it immediately.”

12. Sure about that?

“Several years ago, my company went under new management. They were going to have to pay us all of our remaining, unused PTO. I figured, great, I have a ton of PTO left, like $5000 worth. (I had A LOT of unused hours)

One of my colleagues said “YOU’RE going to be hit with taxes.” And she said it like “oh, you better be prepared. Don’t get excited, they’re going to tax the s**t out of you anyway so don’t expect much!”

I get hit with taxes every paycheck, lady. And when I did the math, they didn’t take out a higher percentage of that PTO than I normally have taken out of my paycheck, so when I did the math beforehand, I managed my expectations well

Then, I was a manager of a call center. The call center agents made 12.00 an hour, but once I came in, I raised it to 15.50 an hour. One of them complained to me that this means her taxes are being raised and she’s earning less. She didn’t see the higher number on the bottom of her check for some reason.”

Have you ever received any bad financial advice?

If so, please tell us about it in the comments.

We’d love to hear from you!

The post What’s the Worst Financial Advice You’ve Received? Here’s What People Said. appeared first on UberFacts.

People Share Stories About New Technologies They Remember That Are Now Obsolete

Technology today seems like it’s moving at hyper-speed and if you blink, you’ll miss it.

And it’s pretty wild to see exciting stuff get introduced to the market and then see it go away later.

That’s called getting old, folks!

People on AskReddit discussed technology that they remember being invented and then going away.

Let’s see what they had to say.

1. Gone by the wayside.

“CD Players especially in cars.

I thought the best thing ever would be to have a CD changer in my car.

Now my car doesn’t even have a CD player.”

2. Get where you’re going.

“I remember when GPS devices came out, that was huge. No more printing out directions, the little machine will direct you.

Pretty much immediately the same exact thing was added to smartphones.

I bet my dad still has his GPS in his glovebox dusty as all hell.”

3. The good old days.

“Phone cards.

You’d buy a phone card so that you could use it in a payphone and never have to worry about having change. They converted half the phoneboxes to take them which must have been a major infrastructure operation.

This must have been the 1980s I think. Now completely forgotten.”

4. Oh yeah!

“The word processor.

Like a typewriter with a tiny bit of memory so you could make corrections before it printed the type. Before that it was either strike through or white out. Sort of.

Actually I used a computer at school before I ever saw a word processor but not even my rich friends had one at home. Short lived because home computers started becoming more common and affordable.

Kind of a step back in a way because dot matrix printers looked like c**p compared to something typed on a word processor.”

5. So cool!

“I’ll never forget getting a Sony Walkman for Christmas.

It was amazing to be able to take music everywhere with me.”

6. A status symbol.

“I remember when I was a kid, the rich neighbor down the street installed a satelite dish.

F**k basic cable, he needed a gigantic frisbee on his roof so that he could access dozens of independent TV channels.”

7. One and done.

“Moon boots were supposed to be amazing.

Tricked me into exercise for a weekend.

Never touched them again.”

8. Fancy stuff back then.

“Answering machines.

Like the old style with mini cassette tapes.”

9. I miss them!

“Disposable film cameras.

There is a show called Beyond 2000 from the 80s and 90s that would do segments on technology of the future. Lots of stuff they showed never went anywhere, but I distinctly remember disposable cameras being talked about. Then a few years later they were everywhere, and sometime in the last 10 they’ve mostly disappeared.

Was at a wedding a few years back and they put one camera on each table for the guests to shoot with. All were collected, developed and scanned, then put up online for everyone to see. Really fantastic idea. Now everyone takes their own photos at events like that and there’s not a unified way to share them with everyone in quite the same way.

I’d love to see a digital camera version of the per-table units. Having something shared and physical at an event like a wedding is so much better.”

10. Seen a lot…

“Oh my….. I am 62……

Fax machines, word processors, pagers, home answering machines, cable TV, vhs, Beta, cd players and disks, 8 tracks, 85 percent efficiency furnaces, 4 barrel carburetors.

Fuel injected 2 stroke outboad engines, variable cylinder engines, frozen orange juice, Tang, electric typewriter……..I could go on…..”

11. Do you remember?

“Commodore 64.

Was bought new into my Grade 1 class, and it just sort of sat as an oddity in the corner. My teacher was at least in her early 60s if not older so it didn’t really get used until I started poking around on it.

I got one at home halfway through the year and played a ridiculous amount of Bruce Lee.”

12. So fun!

“Walky-talkies.

I remember when I was a kid we would go on vacations with with a couple other families we lived near. We would all put the Talkies on channel 3 and any time one of the cars needed to pull over or something we would all stop.

Was good for asking for directions and whatnot as well in case someone fell behind the rest of the caravan. No GPS back then either.”

How about you?

What technology do you remember being introduced and then going by the wayside?

Talk to us in the comments and share your stories!

The post People Share Stories About New Technologies They Remember That Are Now Obsolete appeared first on UberFacts.

People Discuss Secrets About the Industries They Work In

I’ve worked a lot of different jobs in my life and one of the fun parts about that was learning the inside secrets and the tricks of the trade.

I’ve worked in restaurants, grocery stores, manufacturing plants, and I even did several years working on movies and TV shows.

And it’s all been very enlightening!

People took to AskReddit to share secrets about the industries they work in. Let’s see what they revealed.

1. Do it every day!

“I’m a teacher. If you as a parent will read with your child often and early, your child will thrive in school.

I’m talking daily books read together from newborn to about third grade. Every single day. No teacher can replace that.”

2. That’s not good.

“RV technician here.

They’re designed to start breaking after around 44 uses.

Most RV owners use their trailers on weekends. But not every weekend.

So that 44 uses on average stretches between two and three years.”

3. Be sure to wash it.

“At Goodwill, we don’t clean anything that we sell, and we get some really gross stuff that touches everything else.

So next time you buy something from Goodwill, wash it well”

4. Makes sense.

“The weight loss industry.

This might be obvious, but most of our business comes from return clients after they’ve gained their weight back (and then some).

To be clear, the plan isn’t rigged to make you gain it back, but the fact that it happens easily as a result of dieting keeps us in business.”

5. I believe it.

“As a former TSA worker airport security is a lot of theater. TSA is constantly failing plain clothes inspections.

I worked with a guy who got fired because someone showed him an ID with a picture of Mickey Mouse on it and he let the person through because he wasn’t paying attention.”

6. Boom!

“Federal HR here.

If you put the words from the vacancy announcement about what you need to qualify in your resume you’ll almost always be qualified.

We search for those words instead of reading an entire resume.”

7. Gotta sell those t-shirts.

“I’m a musician.

90% of of our revenue is from merch. Spotify plays, show guarantees, etc, everything is menial in comparison to shirt sales.

In fact, a big reason bands tour as often as possible is because we can sell more shirts when we’re in front of people.”

8. Did you know this?

“Plumber here.

Theirs no such thing as a flushable wipe. The package lies. You drains WILL clog, and fast; your landlord will charge you; it’s going to suck.

Throw wipes in the trash if you use them; toilets paper is the only acceptable wipe.”

9. Pretty much all the same.

“I’m a dentist. Here’s the lowdown on toothpaste.

As long as it has fluoride they are all basically the same.

When I was in dental school the Colgate lady came by and said that everything that says Colgate Total on it is all exactly the same, the only difference is the packaging. So whether it says whitening, or gum protection, or whatever else it is all exactly the same.

The exception is sensitivity toothpaste typically does have an extra active ingredient. KNO3, which helps with sensitivity.

Don’t ever feel obligated to buy the expensive toothpaste because you think it will be better for your teeth, just buy whatever you like best.”

10. About those fines…

“A lot of librarians will waive your fines if you have an excuse and you don’t ask too frequently, even large fines.

Also, librarians DON’T CARE about your fines and aren’t judging you. Please come back.

We personally have more fines than you. Librarians are ALWAYS overdue with their books.”

11. It pays to be nice.

“The guy who shows up at your house to make repairs is usually the guy who decides how much to charge you.

Standing behind him while he works cost extra. Treating him like s**t cost extra.

Being nice to him can save you a lot of money.”

12. Wow!

“Kirkland products, the white label brand from Costco, are independently tested to beat OR EXCEED the industry leading product in that category.

Razor blades. Cookies. Cheese. Laundry pods.

If it doesn’t beat the industry leader, they won’t put the Kirkland name on it.”

13. Straight to the source.

“Employment industry: if the email address of the hiring manager or recruiter is included in a job posting, send an email instead of or in addition to applying to the job through the portal.

So many resumes get filtered because of portal-based applicant tracking systems’ automated sorting methods, so if you have the right experience but are missing a keyword or two, many of which are dictated by folks from HR who have zero expertise in your field, your resume might not ever make it in front of a human.

Please just email me.”

Okay, now we want to hear from you.

In the comments, tell us about the secrets most people don’t know about your industry.

We look forward to it!

The post People Discuss Secrets About the Industries They Work In appeared first on UberFacts.

People Discuss the Scams That Most People Don’t Realize Are Underhanded

This promises to be a very interesting article.

Why?

Because there are a whole lot of scams going on around us that we don’t even realize are scams!

It’s true…and it’s also pretty scary…

AskReddit users went on the record and discussed things that most people don’t realize are scams.

Let’s take a look.

1. Don’t do it!

““Free Trials” that ask for your credit card anyways?

I’ve never tried buying them because I don’t know what actually happens and I don’t wanna lose random money.”

2. Yup.

“Mega churches.

When the preacher’s suit cost more than your car….”

3. Shout it out loud!

“Being told not to discuss your salary.

If your boss doesn’t want you discussing salaries it may mean theres a major problem concerning equal pay.”

4. Big money.

“In my own opinion, the wedding industry.

Little girls are taught from birth that they have to have a massive blowout of a wedding. Little boys are taught that they have no say in how their wedding will be.

I just got married, and my wife and I were trying very hard to keep it as cheap as possible while my mother-in-law and mom kept adding bigger and bigger things.

It was a fun party, admittedly, but with a price tag a would have much rather spent on rent and gas.”

5. I’ll try it!

“How much toothpaste you actually need on your toothbrush.

You really only need a pea-sized amount, but every toothpaste commercial would have you believe you need to use a 1-inch strip!”

6. Even unhealthier.

“Low fat products.

They just replaced the fat with sugar and made the food even unhealthier and probably more expensive.”

7. Thoughts on this?

“Diamonds.

They aren’t even close to being as rare as they are depicted.

So the prices people pay for this glorified coal are just dumb.”

8. Read the fine print.

“Adobe’s subscription model.

The fact that it’s a yearly subscription with a cancellation fee, but they hide that fact well in the small print and let people think it’s a monthly subscription instead, when that’s just the payment schedule.”

9. Overpriced.

“Funeral services

I don’t know the legality of this, but just bury my a** in the backyard and throw a party in my honor, rather than spending thousands.

Doubt I’ll mind considering I’m d**d.”

10. That would be nice.

“The act of doing your own taxes. In other countries, they do it for you, and you can double check them.

But here in America, taxes are so convoluted that you might even have to hire a guy to do them for you, or big bad Government will come and get you!

For those unaware, there are free options for people with simple tax forms. The IRS website has links for their Free File program, which will take you to a partnered site that will file your taxes for free. (Use the link, because just going to the listed site on your own may not get you the Free File.)

I have happily been using TaxACT for several years, as my taxes are usually just one or two jobs a year at most. 2021 will be interesting, as I started investing in s**t, so I don’t know how that process works yet.”

11. Where’s your donation?

“Donating money at checkout.

“Would you like to donate $1 to support ______”. These corporations take the $1 they earn multiplied by millions of customers and use it for a massive tax write off as a large donation.

Donate your money yourself and write it off on your taxes. Even if it is a small amount, don’t contribute to the tax evasion of the mega rich!”

12. All in the marketing.

““Natural ingredients” “All natural” “no chemicals” Bulls**t marketing. Its in food, in skincare in hair care…

Literally EVERYTHING is a chemical. also “natural” MOST of the time is worse for your health

You know whats also natural? arsenic, lead, cianide. You know what is a chemical? water, all vitamins, all proteins… but it doesn’t sound as good if i say dihidromonoxide (water), or retinoic acid (vit A) , or ascorbic acid (vit C)… which is the same thing.”

13. The workweek.

“The 40 hour work week. It was created with the idea that one adult person, working only 40 hours a week would be able to support a family at a decent quality of life and would have the support of a spouse or other adult at home to handle all the cleaning, cooking, etc.

Except now it usually takes both parents working 40+ hours to barely keep their heads above water which makes all the rest of the work at home impossible to fit in unless you can afford to pay someone else to do it.”

14. Hear a lot about this one.

“The Mormon Church.

Most people recognize the insanity of Mormons, but don’t realize how much money is involved with that religion. They are the wealthiest religion on the planet, with a horde of over 100 billion dollars sitting in their bank account.

Okay, they have lots of money, but how does that make them a scam? The fact that all of their money comes off the backs of their members. The members of the church clean, maintain, and operate the buildings.

The members put hours of work in weekly and get absolutely nothing in return. On top of that, they are required to pay 10% of their own income to be in good standing. If they stop paying, their access to the temple is revoked.

Awful scam.”

What do you think about this?

Talk to us in the comments and let us know.

We’d love to hear from you!

The post People Discuss the Scams That Most People Don’t Realize Are Underhanded appeared first on UberFacts.

What Do A Lot Of People Not Realize Are Scams?

It’s a true fact of life that there are people everywhere trying to separate you from your money and your belongings in any way that they can.

They’re called SCAMMERS.

And some of them are hiding in plain sight…

What do most folks not realize are total scams?

AskReddit users shared their thoughts.

1. Well, it’s heavy.

“People instinctively perceive weight to indicate quality, so a lot of manufacturers across multiple industries will artificially increase the weight of their products with cheap material.”

2. Be careful.

“Mobile game ads.

Chances are they want your data/info on your device and it’s social engineering, really.”

3. A head-scratcher.

“Most popular branded sunglasses out there are crazy expensive for what is basically mass produced plastic.”

4. Avoid it.

“Black Friday is it’s own scam.

They manufacture products specifically of lower quality to sell for Black Friday.

It’s how you can buy a nice Samsung TV that only has 1 HDMI input.”

5. Don’t fall for it.

“People who knock on your door asking about your windows. Happened to my friends wife.

She invited them in, let them evaluate, said all the windows needed to be fixed (they were all 3 years old…my friend did a full renovation when they moved in) and said the windows were bad. My friends wife thinks everyone is truthful and agrees to start the process.

My friend said he came home to find them still there and his wife was seconds away from signing and writing a $6,000 check. He politely asked them to leave and calmly told his wife she was so naive.

If someone comes knocking at your door to look at anything and you didn’t call them…it’s a scam.”

6. Believe it!

“Publishers Clearing House.

Ever wonder why you get so much junk mail? It’s because you gave all your information to PCH for free (or possibly even paid them for some piece of garbage they sell) and they turned around and sold it to EVERYONE.

Avoid PCH at all costs.

Sincerely,

Your mailman.”

7. Ugh.

“Unpaid internships.

There are very specific rules for what can be an unpaid internship and what has to be a paid internship. If you are getting any sort of internship, look up the difference so you don’t get taken advantage of.

Telling interns this has contributed to me losing a job before because one of the interns turned me in, and later got my job.”

8. For-profit colleges.

“Some colleges will offer a full ride scholarship to any student who stays above a certain GPA, give these out to everyone who applies, and then institute a strict grading curve so that the required GPA is nearly impossible to achieve. The “scholarship” usually only lasts through freshman year as a result.

Its usually s**tty for-profit colleges that do this, so the credits won’t transfer. The student is now forced to either pay full price tuition for three years, or lose a years worth of work.”

9. A big one.

“College textbooks.

It doesn’t cost hundreds of dollars to print a book, and we don’t need new additions of algebra and other basic  subjects every semester.

We’re not uncovering or developing any new basic math, they just want you to have to spend as much money as possible.”

10. Happens all the time.

“Small towns giving speeding tickets to people with out-of-town license plates.

Almost everyone will pay instead of showing up to court, and it is the number one source of revenue for many small towns in America.”

11. Flush it out!

“Herbal Detox products, or detox anything in a health store.

It’s just dumb. If your body is actually full of toxins a herbal laxative enema is not going to help.”

12. Preying on people.

“Payday loans, they are preying on people with bad credit. Instead, get yourself a secured credit card.

That’s a one time payment (I initially went through Discover, whatever you deposit is now your credit limit) and the interest rate on even the worst card is better than that they offer.

Pay it off every month, just like you are forced to with your payday loan. You’re doing the same thing you were previously only now your building credit instead of paying some scummy company.

Yep, I’m one of those suckers who did this for far too long, then I did this and now I have good credit. I was actually quite surprised how quickly my score went up. That’s my one neat trick – pay your bills on time.”

13. This old game.

“Stores that always have big “sales” are actually just charging you the accurate price of what the item is worth.

But when it looks like you’re getting it half off you’re more likely to buy it.”

14. All kinds of stuff.

“Work in banking for one week, you’ll realize there is no scam too stupid for people to fall for.

At least once a week we have people who try to file fraud claims because “the IRS called me and told me I need to pay them in apple gift cards”

My favorite was a woman who came in to get a $20,000 official check. My manager thought it was strange so he stopped to ask her what it was for. The client said it was bail for her nephew, which *the client thought was strange too, because she didn’t actually have a nephew.”

What are some more scams that people don’t quite realize?

Talk to us in the comments and let us know.

Thanks a lot, friends!

The post What Do A Lot Of People Not Realize Are Scams? appeared first on UberFacts.

What Glamorized Career Path Actually Really Sucks? People Responded.

I worked in the film industry in Chicago and New Orleans from 2002 to 2011 and I gotta say, it’s definitely not for everyone.

And by everyone, I mean ME.

I enjoyed my time and I made a lot of good friends during those years, but I don’t see how people can work those crazy hours (a lot of times in bad weather conditions) when they start to get a little bit older.

When I was 25-years-old? Hey, no problem!

But now…I don’t know if I’d be able to handle it…I’m not saying it’s a nightmare but I don’t think outsiders realize what it’s really like to work on movies and TV shows.

What glamorized career path is actually a total nightmare?

AskReddit users opened up about this.

1.  I saw Black Swan.

“Ballet dancer

Parents spend tens of thousands (or more) on training. They give up their entire teen years and schooling (most elite ballet dancers are homeschooled and a large percentage move away from home for training in high school).

Most dancers you see on stage in a ballet are paying to be there. The bottom rungs of ballet companies are pay to play. Then when you have paid to dance a few years you might be able to get a position that pays you with a dozen pairs of pointe shoes and a stipend for performances.

Then maybe you’ll be promoted to the bottom level where you get paid 20K a year and have no health insurance. All while putting your body through major t**ture.”

2. Not loving life.

“My SO is an attorney and isn’t loving life right now.

She says “You know how you did term papers in college? Well I do term papers every day, all day, endlessly.””

3. On the airwaves.

“Radio announcer.

Like a lot of other jobs in the entertainment industry, it’s full time work for part time pay. Second jobs are common. Your pizza delivery guy just may be your favourite morning show host! At least, that’s how the morning guy at my station made ends meet, until he was laid off in the last round of cutbacks.

Now we’re a “hybrid station,” which is the preferred business model these days. That’s a fancy way of saying one person does everything while you run a ton of syndicated programs. 12 hour days of minimum wage.”

4. Never knew this.

“Veterinarian.

Insanely competitive schooling that crippled you with debt, with a depressing debt:income ratio after graduation.

Most of your patients don’t like you, and most of the owners think you’re getting rich upselling them unnecessary services when their dogs’s exploding eyeball cancer can be cured with raw organic exotic meats/cbd/coconut oil, but you’re withholding that information because you’re in bed with Big Kibble.

High stress, stagnant wages, long hours, s**t holiday leave. Rampant depression. Lost count of how many colleagues have committed s**cide. Sometimes tempted to join them.”

5. Jeez…

“I don’t know if nightmare is the word, but my wife has finally reached her lifelong goal of becoming a zookeeper at one of the top zoos in the US.

She is very happy to have the opportunity to hand food to otters, have reindeer eat out of her hand, and brush okapi. However, she took on tens of thousands of dollars in student loans and did months of unpaid work at the zoo to get the job, which is seasonal, requiring she be off 2 months a year.

She gets up at 4 AM and does farmhand style physical labor for 8 hours a day for about $9 an hour with no benefits. I am thrilled that she reached her goal, and I am happy that she is happy, but I am pretty disenfranchised with the whole thing.”

6. A tough job.

“Being a chef. Long hours, bad environment, nothing is ever good enough.

I have a friend who’s a very successful chef. He told me, “If you love cooking, just cook for friends.””

7. No way.

“Political staffer.

Most jobs in politics pay very little money and require you to work 80+ hours a week for a boss who is guaranteed to have a gigantic ego.

You also have to look for a new job after every election day.”

8. Let’s face it.

“Flight attendant.

The travel is amazing, but let’s face it.

You’re a glorified waitress working in a cramped, aluminium tube.”

9. The farm life.

“Farming on a large scale.

I was living in debt up to my a** ($500k-$1 mil depending on the time of year), haggling for every input (land, fertilizer, seed, equipment), at the mercy of the weather, and got to watch the commodity markets kick me in the nuts every business day.

The real cherry on top was everyone thinking you are trying to k**l them with GMOs and copious amounts of chemicals that we dont use. Not to mention farms are passed down through generations so you’ve got a bunch of d**d and living ancestors watching your every move.

Oh and a lot of farmers work a second full time job for the health insurance. There’s a reason farm s**cides are high and farm “accidents” are higher.

There’s a million young rural FFA kids that would give their left leg for a chance to farm.”

10. Down and out.

“I’m a professional, full-time voice actor.

I’m blessed to be successful and happy, but about 99% of the voice actors I know are depressed most of the time, struggling hard to find work, wrestling with impostor syndrome, questioning if they should give up, and barely able to make rent.

Particularly videogame/anime/animation actors.”

11. Not easy.

“This is kind of niche but, scuba dive instructor. I did it for 3ish years, I can’t begin to tell you how many times people wished they had my job.

A decent portion of the job was selling. I h**e forcing people to buy things, but I had to have a certain percentage of people buy a mask, at least. The mask was about 25% of the cost of an open water course. Chances are they’d never use it again.

Dive shop politics are insane. I worked 6.5 days a week for 90% of the year. If I turned down a course, I wouldn’t be given another until there were no other instructors available. If there were no courses going on, I still had to be in the shop incase someone came in.

During slow times there would be 7 or 8 instructors hanging around doing nothing. We all lived less than 5 minutes away. My dive shop would only hire people who were attractive enough. They’d also refuse to hire people who had trained at certain other dive schools in the area. The owners would go out of their way to be charming to the customers and then take the p**s out of them as soon as the were out the door.

The amount of responsibility is huge, and nobody even thinks about it until you point it out. You’re taking 4 people into a d**dly environment and have to bring them back in the same state they went into it in. If something goes wrong you can lose your license or go to jail.

Where I was working, these were pretty exclusively early to mid 20 year olds. Not only that, but if someone you trained has an incident at a later date, you can also be investigated and possibly prosecuted.

I was diving in 30C (86f) water. I constantly had an infection. Could be from a small cut, or my ears or my throat. It was constant.

Long, very hard work days. 12 hour days were about the norm. I’d teach, be dragging around the tanks I was responsible for weighing 20kg each as well as tonnes of other gear, and putting on my ‘be happy around the customer face’ whilst keeping them from d**ng. It’s like a combo of retail and warehouse work.

It also diluted my love of diving. Even when diving with professionals now I have a hard time not constantly being on alert, waiting for someone to do something stupid, rather than enjoying the dive.

Pay is dog s**t.

It’s an amazing job, but it turned my hair grey by 25.”

12. Yup.

“Film crew.

Yes, you sometimes meet famous people. Sometimes they’re cool, often they’re really not. The days are 14+ hours of work with a commute of who knows how long on either end, depending where you’re shooting. You have half an hour for lunch.

Coffee breaks are whenever you’re not needed on set, so depending on your job (I was in camera, and we rarely had a down moment), it could be almost never. More often than not, someone on set is yelling. People lose their minds over making really sh**ty entertainment. You start work by 7am on Monday, and by Friday you’re coming in at 4pm and leaving when the sun comes up on Saturday.

There are no paid holidays, no paid sick days, no paid vacation. If you don’t work enough qualifying hours, the union kicks your healthcare.

And this is if you’re IN a union. Non-union, much worse. S**ual harassment is through the roof, but the kids who get it the worst are afraid to say anything or they’ll lose their jobs. I have been told some real horror stories about famous actors, some of whom I still haven’t seen get outed by the Me Too movement.

And I’m not talking word-of-mouth, second-hand stories. I’m talking about young women who whisper to each other what shows to avoid and make them swear to never use their name because if they want to work in this industry, they can’t be known as a troublemaker.

I watched so many co-workers fall into addictions, lose family, miss their children’s lives, over the dumbest TV shows in the world. If you go union, the money can be good, but it’s not worth it. It’s just not worth it.”

Now you’re up!

In the comments, tell us which career paths you think are glamorized but are actually a nightmare.

Please and thank you!

The post What Glamorized Career Path Actually Really Sucks? People Responded. appeared first on UberFacts.

People Discuss Glamorized Career Paths That Are Actually Total Nightmares

It’s interesting how we view certain occupations when we’re young. Things that seem glamorous and exciting can actually be, well, kind of s**tty.

And it’s also interesting how our attitudes change after we’ve actually worked a specific job and not read about it or daydreamed about it.

But I guess you never know until you’re in the middle of it.

Folks on AskReddit talked about career paths that tend to get glamorized but are actually total nightmares.

Let’s take a look.

1. In the kitchen.

“Chef.

Been in the business for 12 years. In the US, 8 hour days and paid overtime. In UK, I’m working 60 hour weeks, 13 hour days, on salary with no overtime.

My personal life has taken a nosedive and so has my health. The only time I have to go to the gym (a hobby I loved!) is after midnight after working all day. I don’t get scheduled breaks, and if I get a chance to eat, I’m shoving fries into my mouth.

For those who are interested in becoming a chef, it is not for the faint-hearted. Have a backup plan or some other marketable skills so you’re not up a creek if this industry does take its toll.”

2. Yikes.

“I don’t practice law anymore, but when I did I mostly did criminal defense and occasional civil cases. Almost all the attorneys I knew all had great professional lives and personal lives comprised of utter s**t.

Al**hol abuse was rampant. Drug use was frequent. I knew attorneys who had “pharmacy drawers” in their office that they consulted when they needed a specific remedy.

I knew a public defender who dropped d**d of a massive heart attack as he was leaving for court. One attorney I knew said he loved going to new restaurants because he and his wife didn’t have s** any more and that was his only real passion now.

And I’m sure there are some attorneys who love their job. I’m sure there are many who are satisfied. But glamorous? Not in my experience.”

3. Insane.

“My sister just left her dream job as a Zoo Keeper so that she could go work at Petco.

Pays twice as much and has better benefits.”

4. Much better now.

“Working in film.

I thought I loved the job. And when I got out, I was floored by how much happier I was on a day-to-day basis. My standard for happiness was pretty much at ground level and I hadn’t even realized it.

When I did my last show, the folks there had worked with me for years at that point. They knew about what I had been doing the past few months, and that I was choosing to leave.

Multiple people, including the showrunner and that episode’s director (this was a huge network TV show), pulled me aside to give their well-wishes…and to say that I was living their secret dream of escaping the industry. Blew me away.

Guys with esteemed Hollywood careers that I thought were in love with the job, shaking their heads quietly and saying, “if only I’d have got out at your age.” Any lingering doubts about my choice vanished that day.”

5. Academia.

“Academia in general is potentially a garbage fire career path.

Namely because it’s so competitive that a lot of people burn out and become shells of human beings just from the stress and pressure of grad school and the job market.

A lot of people put pressure on themselves to end up in a top tier university when that just isn’t in the cards for everyone. So many people end up broken.

I’d just say that for anyone considering academia after a PHD, be ready to give a lot and get very little in return.”

6. Too bad.

“Being an architect is really bad.

Most people don’t complete it and the mental health issues are quite serious. There’s a lot of criticism and stress in the beginning, lots of late nights and hard work. At the end of the work you get insulted in public.

There’s no real reason for this. You aren’t going to be saving lives or anything, there’s no need to make it so expensive either.

So three years later, you get a degree and have to do a year of intern work, then it’s time for another year of study and projects and exams. Then two years of minimum wage work.

Then you come back for more exams, essays and projects.

It’s really too hard for what it is. I get paid very badly and I don’t really use any of my training. It was pointless really but girls like it at parties when I say I’m an architect. That’s a lie I don’t go to parties I have no social life.”

7. No fun.

“Investment Banking.

People talk about the fancy plane rides, expensive dinners, wild parties with your colleagues or a client. The reality of it is you’re never trully off work, always on-call like a surgeon.

Works weeks are usually 60-100 hours and can be brutal if one follows another.

It’s really more like working from 9AM-10PM in office and then get home to work another bit and have any given presentation ready stat.

I’ve gone all-nighters followed by client meetings where all I have time for is a quick shower and a 7/11 coffee.”

8. Hard to help people.

“Behavioral health.

I spent a long time working towards a career in therapy, and I’ve noticed that a lot of new people/people looking to get into the field go in with the starry-eyed “I want to help people” mentality. I did, too.

You do help people, but it is f**king hard to help people. A lot of jobs are high stress/low pay type of deals, because a lot of the jobs available are through nonprofits that only have so much funding to go around.

You are vicariously exposed to other people’s trauma, and it does affect you, no matter how good you are at creating boundaries and practicing self care. It’s an admirable profession, but a grossly under appreciated one, and it most certainly isn’t for everyone who wants to “help people” for a living.”

9. Too bad.

“The nonprofit sector.

You’re mostly putting a bandaid on issues. You go into it wanting to help people, but far too many people are ungrateful, not willing to help them selves, or complain no matter how much you’re trying.

I cannot tell you how many people have made threats even when you’ve gone well above and beyond for them. So many people abuse the system for freebies. I had people come in trying to get freebies who make over 100k a year.

The pay is always s**t unless you’re at the executive level. It is ridiculous how much executives make compared to the workers doing 90% of the work. The CEO of my organization makes well into the six figures while we have to work 3 years to get a 3% raise on our low salary.

They also devalue you constantly. You have people with master’s degrees working entry level positions being bossed around by some old lady with zero education but who’s friends with the CFO or something.

You’re constantly working with a ramen noodle budget expected to come out with steak and lobster results. 9/10 volunteers are only there because they’re trying to get hours or a reference and complain a lot.

You’re constantly battling other nonprofits even if you’re just trying to share resources. You can do completely different things and are just trying to refer clients back and forth so they can acess all available resources, but they’ll guard their clients like gold.

The amount of shady practices that occur as well… Inflation of numbers, total lies, etc… it is really sad how many places do nothing or very minimal, but are galmorized as “doing good”.”

10. This would be very difficult.

“Law Enforcement.

I went into it with the naive belief I would be making a difference. I wanted to protect people and make my community safer. Instead, I got to see the worst humanity has to offer day in and day out. Lets see if I can list all the negatives:

Most departments are filled with arrogant assholes with inflated ego’s that love to condescend to other officers or the public when they themselves can barley read.

Many officers have severe anger issues and love to take it out on the public (never saw it happen physically but verbally or by issuing ever ticket possible).

Try to suggest changes to bring about better relations with the public? Prepare to be ostracized and bullied till you tow the line.

The overall level of incompetence is staggering, with some officers barely knowledgeable of the firearms they carry everyday.

Your view of the public and people in general becomes very dark. The amount of EDP’s (emotionally disturbed persons), druggies and alcoholics you deal with each day is ridiculous and you start to wonder how society hasn’t collapsed.

You arrest a violent offender just to see them quickly released over and over, whats worse is how many times an abuse victim files a complaint because you arrested their “love” despite almost being k**led.

Very few people are actually grateful when you cut them a break. They DO take it as a sign of weakness and try to push the envelope. This is an often overlooked reason why some officers become a**holes. You try to help people out and they spit in your face (sometimes literally), this gradually tears you down until you can barely recognize what you are becoming.

The uniform is a target. You can be the nicest most patient officer in the world but to many the uniform means you are the enemy. You will get cursed at, attacked and have your private life laid bare.

Low pay not even remotely commensurate with what you have to deal with.

There is sooo much more but I was lucky enough to get out and change careers before it all really got to me.”

11. All or nothing.

“Professional sports.

People have no idea how much time, effort and resources goes into competing at elite levels of any sport/esport. It is soul-sucking. Think a 50hour work week is hard?

Nah fam, try living and breathing what you do. That’s why I h**e that people think talent is what gets you there, but in reality those people are just extremely dedicated to their craft.”

12. I can see this.

“The video game industry.

A lot of kids and teens want in it so bad because “I grew up playing games blah blah blah they take me to another world blah blah blah.” Then you become an adult and learn that it’s all math and physics, and making a video game has NOTHING to do with what you experienced growing up. It’s all black screens of code, polygons, and being criticized for your work.

What’s worse, if you make games you probably never have the time to play them anymore. The gaming industry is notorious for implementing 60-80 hour work weeks.

EVEN WORSE depending on what company you work for, you may never have stable work. You finish a project and then the company tells you “we don’t have another project for your particular skill set.” Then you gotta look for more work.

AND IF ALL THAT WASNT BAD ENOUGH, you’ll probably never work on a game you want to work on. All those big, fancy games and indie darling on Steam are a very small fraction of what exists. Barbie’s Horse Adventure? Those people got degrees and we’re inspired by the same games as you.

Crappy Candy Crush knock-offs? Same degree and inspiration. Stupid table-top games that you only see in the family section at Walmart? Those also utilize game designers/programmers.

Don’t get into videogames because you like videogames. Get into videogames because you’re passionate about math and science.”

Now we want to hear from you.

How do you feel about this?

Talk to us in the comments and let us know!

The post People Discuss Glamorized Career Paths That Are Actually Total Nightmares appeared first on UberFacts.