Category: life

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Children Share Pictures of Their Parents at Their Age to Show How Life Has Changed

Plenty about the world has changed in the past few decades, but one of the starkest contrasts is how much later people are waiting to get married and have children of their own.

There are lots of smart people who have great theories on why that is, but I personally think that some of it is because of our parents – they were secure enough to raise us to not have to think about responsible stuff until we absolutely had to, so we kind of got a late start.

If you’re wondering what exactly I’m on about, these 10 pictures are great at illustrating the point.

10. They look like they knew how to have a good time.

And she sure does, too.

9. Handsome and happy.

Can’t imagine any complaints there.

8. I bet they’re so proud.

But not as proud as the parents of the boy in the picture on the right.

7. Bless.

Their parents look so incredibly wholesome.

6. People had kids so young.

And we can’t criticize, because here we are.

5. Her parents just didn’t have digital photos.

Our grandchildren are going to have questions.

4. That’s a big drink.

Those cute little baby cheeks, though!

3. How cute are those parents??

Also, what is going on in that second image??

2. She has her mama’s smile.

And maybe her taste for tequila, idk.

1. They look like they knew how to have fun.

I guess they passed it on.

Things aren’t better or worse, I don’t think, they’re just different!

What’s the biggest difference between your life and your parents’ lives when they were your age? Tell us in the comments!

The post Children Share Pictures of Their Parents at Their Age to Show How Life Has Changed appeared first on UberFacts.

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Kids Who Believed Something Was Totally Normal…Until They Grew Up and Realized It Wasn’t

When we’re young, we live in a bubble that’s largely made up of our family. Our parents, our grandparents, our siblings and cousins answer our questions and show us the way the world works.

We have no reason to question them, and really no avenue to ask questions, even if we wanted to.

Which makes me believe these 16 people, who found out later in live that their families weren’t exactly “normal,” aren’t alone.

16. She’d gone feral.

My family had dinner together at the dining room table six nights a week (we went out once a week together) for the first 15-ish years of my life. Kids set the table and did the dishes. We discussed current events, books, philosophy, etc. We used cloth napkins.

My ex-wife grew up eating huddled around the TV at best. More often than not they’d just find food on their own and take it to their rooms if the family members bothered to come home at all. They also argued constantly. Every family meal I had with her family contained at least two people angrily screaming at one another about something.

She absolutely couldn’t handle my family meals. She tried to pick fights with people constantly and got even more frustrated when nobody would take the bait.

15. That poor kid.

My parents were racist. According to them all money could have been up a N-words butthole. When I was in 4th grade I actually asked a black kid if they did that…

He just stared at me with a blank look on his face and shook his head no

14. The sound I just made.

I remember in year 8 in school we watched a video about mental health. One of the kids said that at a low point he considered suicide. I didn’t think that was a big deal, because I thought about killing myself almost every day. I thought it was normal and everybody did it.

13. Not just in the movies.

Sitting together at the table for meals (especially dinner).

We frequently got McDonald’s, had TV dinners, or had ramen/mac and cheese. I didn’t know until I was an older teen that families actually sat down to talk to each other EVERY DAY because I thought that only happened in shows and movies.

Sitting down at the table makes me uncomfortable, even to this day. Like, I don’t even know how to prep the table.

12. My heart hurts.

I grew up on a farm outside a small town, didn’t realize until I started going to school that running around naked outside often, playing with hatchets and pockets knives,or breaking off pieces of salt lick to suck on, were not normal things.

My parents fostered 2 young girls very close to my age. The things they expected from my parents/thought were normal were so sad. The eldest tried to undress for my dad, he was mortified. They thought they would get in trouble for using soap in the bath. They asked permission to get drinks of water, and to go to the bathroom. They were amazed we weren’t locked in our rooms at night, amazed I had my own room and they had theirs. They didn’t know what bed frames were.

11. An innocent one.

Jesus. I was going to say cutting pickle spears into little triangles to eat alongside your sandwich…

This thread went in a way different direction.

10. I am full of awe, not in a good way.

Dying.

Over the period of about a year when I was 9-10 years old four different people on the street I lived on died unnatural deaths. The old lady next door electrocuted herself trimming the hedges. One of the neighbor kids I played with accidentally shot himself playing with his father’s gun (in front of his sister), another playmate’s father was a cop and was shot and killed in the line of duty and a 16-year-old girl was raped and murdered in her own house (never solved, even though everybody knew who did it). I also had a cousin I was close to die in a car accident, but he didn’t live on the same street.

So with all that I just assumed that was a normal rate of death. So naturally, I assumed that I was going to die at some point in the near future. Took a few years to get over that.

9. So wholesome.

Building homes for snails and slugs when it rained.

My older brother and I would love to go outside when it rained and collect slugs and snails to put in these little pebble shelters wed make for them in the backyard.

8. All good reasons.

My parents sleeping in separate rooms.

My mom snores like crazy and I understood why my dad would hate that.

Turns out, dad was gay

7. You never think about that.

My parents have what we now know was developmental disorders but was previously known as “being slow”. Think it was second grade when I started doing math for my parents. We went out for shopping or dinner, then I’d check the grocery receipt or tally the tip. In more ways than one I became very independent from my parents at a young age.

I didn’t realize until late high school, interacting with my boyfriend’s family, that normal children don’t speak to their parents like equals. It was, awkward to say the least. It took many years to learn how to be respectful to your elders and not throw my “weight” around. I had thought every kid needed to keep their parents in line.

Aaawkwwwaaard.

6. Whatever works.

My parents slept in different beds my whole life. I guess it started when my dad got injured in the army and my mom was afraid of hurting him in her sleep, then he snored, she liked to stay up and read in bed. It just worked. They had a super happy marriage. I remember bringing new friends over and giving them the tour “this is my dad’s room, this is the bathroom, here’s the office and this is my mom’s room”. They would be so confused lol.

My mom still is upset that whenever we went to my grandma’s she made them sleep in the same bed even knowing they never did. They were so used to sleeping alone they stayed up all night worried about keeping each other awake.

I have to add that getting up late at night and looking for one of them only to find them both in the same bed was always awkward.

5. Everyone should use them, though.

Using corn bags.

They’re cotton squares or rounds filled with dried corn. You put them in the microwave for a heating pad and the freezer for an ice pack.

I still use and make them, I just didn’t realize nobody else used them until like… High school lmao

4. Parents are so weird.

Being forced to eat way more than what I could, until my stomach would hurt for hours. Not traumatizing like other stuff in this post, just something I don’t miss.

On a lighter note, walking in stealth mode throughout the whole house all the time because I wanted to be like Pocahontas when she spies on John Smith.

3. It was a different time.

Cracking open cans of beer and pouring them into styrofoam cups.

So my parents could drink while they drove the car.

2. Lots of people!

Talking to you parents and them being affectionate.

What do you mean you play “board games together” and no one yells? You willingly sit down and spend time together????

Dated a girl and the first time I met them, her mom hugged me. Weirded me out plenty. She just sits around the living room doing her own thing while her parents may also be there.

Who even does that????

Turns out, a lot of people.

1. A great lesson.

Shoveling food into your face as quickly as possible while huddled around the TV.

It wasn’t until a sleepover at a friends house that I encountered a family sitting around a dinner table talking about their day.

At the time it made me super uncomfortable but I’ve learned to slow down and appreciate it more with time.

I think we can all think about some strange things about our upbringing, right?

Share your own weird stuff in the comments – we’re here for it!

The post Kids Who Believed Something Was Totally Normal…Until They Grew Up and Realized It Wasn’t appeared first on UberFacts.

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If You Love Your Life, What’s Your Story? People Shared Their Stories.

No matter how bad your day, week, month, or year has been, it’s important to look in the mirror sometimes and say, “I’m lucky to be here and I’m gonna make the most of it!”

And that’s what leads to people appreciating and loving their lives.

Are you ready to hear from some people who definitely fall into this category?

Let’s see what AskReddit users had to say about this.

1. Time to finish it.

“Had a near-death experience where I remember my last thought not being able to finish my favourite tv series.

Made me realise that my bucket list wasn’t a complex sort of thing. It could range from something as simple as taking a diffrent route to the shop or just having the guts to actively start a conversation with my nwighbour of 11 years who I’ve never said anything beyond a hello to.

Or even just plain finishing what I started, nothing pleases more than just finishing something.”

2. All good things.

“Married my best friend.

Got into a career I was sort of passionate about, not my number one choice in the world but its good.

I plan out my weekends so I have things every week to look forward to. I have goals in my hobbies to work towards thats a huge one.

Always have something to work towards in your personal life. I am trying to make a dining room set with woodworking and want to eventually have most of the furniture and stuff in my house made by me.”

3. Met a redhead…

“Met a cute redhead whose personality is almost the exact opposite of mine (outgoing, bubbly, connects very well with all types of other people).

We became really good friends. We started dating about two years later. We got married about eight months after that.

We’ve had some struggles (mostly because of my own inability to communicate effectively), but we are very happy together now, over twenty years later.”

4. Congrats!

“I was addicted to h*roin and m*th and now I am not.

I have accomplished a bunch of stuff and generally just appreciate how happy and healthy I am now!”

5. The American Dream.

“Grew up in very poor farm in Pakistan.

Now, after immigrating to the US, I work a salaried job, graduated from University of Illinois, working on my Masters at Harvard to achieve my goal of becoming a scientist and keep living the American dream.

I know things are not great here in the US considering the climate, but I’m thankful to live here.”

6. You do you.

“Some people may disagree with my life choices here but im happy so here goes.

I live in the UK, and started working in a pub at 16 as a glass collector. I was studying cookery at college and quickly learned I didn’t want to just cook, i wanted to run the whole show.

My parents took on their own pub and since they did that I fell in love with the whole lifestyle.

I have no children and no partner, and i dont plan on changing that anytime soon. I am very close to having my own pub at 24 years old and i cannot wait.

I’m close to having my dream job before im 30, my own car, an awesome family, 3 beautiful dogs, and more money than i could have imagined at this age.

Lockdown 2.0 will prove a challenge but if we come through it ill be living the dream.”

7. It’s good to wait.

“Waited rather than settled.

Dumped a lot of okay guys, left a lot of okay (and not so okay) jobs, moved a lot, was lucky to have a baby when the time was finally right.

It’s taken a lot of tough decisions and hoping for more but it’s been worth waiting for.”

8. Keep it up.

“I’m 8 years sober.

I was drinking to self-medicate for my depression, so I didn’t really think I had an active addiction.

If I take my meds and don’t drink, every day I wake up is the best day of my life.”

9. The bright side.

“I’m depressed, I have a myriad of incurable physical and mental problems.

But god d*mmit, I get to see my favourite person every day, and I have a job that isn’t hard and pays relatively well for someone who doesn’t need to be self sufficient.

I  love my life, and I wouldn’t have it any other way.”

10. Been good for a long time.

“My life has been pretty awesome since I was 16 (I’m 40). It was pretty weird before that.

I’ve had a lot of good luck. At 16, some of the bad things left my life. My education improved. I married the right person. I managed to be moderately successful at something that fits my lifestyle (I’ve never not had enough money).

I’m self-employed. My kids are easy, intelligent and fun. I have lots of fun hobbies. I still have most of my friends from growing up and continually add new ones. And I’m sill close to my dad.

That’s pretty much it. I do actually pray every morning for peace for myself, my family, and others. And amazingly, I have a lot of peace in my life.”

11. Grateful.

“I grew up very poor.

I was homeless as a teen and struggled all through my 20s with mental health issues and creating stability. My kids have a middle-class upbringing and I’m so grateful to be able to give them that. I’m grateful for everything.

When it’s raining, I thank God for the roof over my head, heat in the winter, my bed at night. I’m not rich by any means but am so happy to be where I am.”

12. Worked hard to get here.

“I am a nurse and worked so many terrible jobs.

It was either long hours on my feet, not so many hours but lots of lifting and cleaning up people who sh*t themselves from their neck to their knees, to a Monday through Friday job with no lifting but a toxic work environment, to a great job with a two-hour commute one way.

I took a huge pay cut to work in a mental health facility for incarcerated patients. It is so chill and so rewarding. The patients are independent. I don’t have to lift them or bath them. I don’t have to deal with families. Or doctors. I spend a lot of time just hanging out and talking to them.

And some days when the techs are busy or we are short staffed, I’m the one who takes them outside for recreation time. I get to sit outside and watch them play basketball and make small talk. I work three days a week with five days off in a row. It’s like not having a job at all. Since my job isn’t physically demanding I have energy to do the things I enjoy on my days off.

I feel like I put up with a lot of bullsh*t to get to this place. Thankfully I handled my money well when I made more money, so being able to take a pay cut to work in a better work environment is just amazing.”

13. Mostly love it.

“I went from living with my mother who lives with addiction during my childhood (hating life), to marrying a guy after knowing him for 3 months at the age of 20 and we had a horrible, toxic relationship (SUPER hating life) and moving all around the country with…

To now: a 28 y/o divorcee with a super rewarding job (I work with people who are in recovery and who are homeless) and I am engaged to the best guy I have ever met. I am also back to the same state I grew up in, and I have all my amazing friends close by, and now we talk everyday.

I am still in awe I am just like “wow, you mean I don’t have to dread every moment of my life?!?” I used to pray that I could just turn back time and redo all the mistakes that I had made to end up so unhappy, but now, I am glad I f*cked the hell up.

I still have depression. But therapy and that lexapro life plus a great support system is honestly just gives me a happy f*cking life. I still struggle with my mom (she hasn’t been sober since I was 10) but that is mostly out of my control. So, yeah, mostly I love my life.”

Okay, now it’s your turn.

In the comments, please tell us how your life is going right now.

We’d love to hear from you!

The post If You Love Your Life, What’s Your Story? People Shared Their Stories. appeared first on UberFacts.

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Snuggling Your Pet and Other Coping Mechanisms People Turn to When They’re Overwhelmed

Life is stressful, always.

If you’re struggling to manage anxiety and stress, or if you’re just feeling overwhelmed, there’s no better time than the present to learn some healthy coping strategies.

Implementing these 16 coping mechanisms, like snuggling your pet, can be helpful to anyone who just needs a few more tools in their tool belt for handling the stresses life throws their way.

1. Try Square Breathing

Square breathing is a type of breath work that can help decrease stress in your body.

Start by inhaling for four counts, holding for four counts, exhaling for four counts, and resting for four counts. Then repeat!

Image Credit: Zencare

2. Do something simple to focus your mind:

Sometimes simple tasks like folding laundry, doing the dishes, or mowing the lawn can be an opportunity to focus your mind on something other than the stressors in your life.

A mini yet productive break from everything else on your to-do list.

Image Credit: iStock

3. Take a walk

If you can, get outside and take a walk. Sometimes a change of scenery can really help us reset, especially if you live near a park or in the midst of natural beauty.

Plus, the fresh air and exercise will be good for you!

Image Credit: iStock

4. Play a video game, like Stardew Valley:

If you can’t get outside, try the next best thing.

Playing a game like Stardew Valley or Animal Crossing can transport you into a beautifully animated world where you can grow and harvest fruits and vegetables and decorate your own fantasy home.

Image Credit: StardewValley.net

5. Watch a familiar movie or TV series:

When getting outside or doing dishes does NOT sound appealing, try tuning into a favorite TV series or rewatching a favorite movie.

It can feel like spending quality time with close friends, without the pressure of exerting energy in actual conversation.

Image Credit: iStock

6. Try journaling:

Journaling is a tried and true way of processing our thoughts.

Sometimes the simple act of writing down our fears and anxieties can help us gain perspective. At the very least, it allows us to release these stressors from our mind for the time being.

Image Credit: iStock

7. Snuggle your pet:

If you have a pet, whether they’re furry, scaly, or feathered, section off time in your schedule every day to spend quality time with them.

They need this attention of course, but you can also benefit by disconnecting from everything else to snuggle and play with your special friend.

Image Credit: iStock

8. Try the 5-4-3-2-1 Technique:

According to the University of Rochester Medical Center, this five-step exercise can be very helpful for grounding you in the present if you’re experiencing anxiety or panic.

Image Credit: Monday Campaigns.org

9. Find an anchor:

A comfort object like a stuffed animal can help in moments of stress. But it doesn’t have to be a stuffed animal.

A grounding object can be any object that holds a strong, positive memory for you or soothes you in stressful times. Consider a photograph, a piece of jewelry, or even a smooth rock.

Image Credit: iStock

10. Escape into a world of fantasy:

Escapism is a valid outlet for coping with difficult times. Try getting lost in a good book series, or create your own world and imagine the stories of the characters who live there.

Playing role-playing games like Dungeons and Dragons can also be a great way to escape into a fantasy with friends.

Image Credit: iStock

11. Allow yourself to take a nap:

If you have the ability, allow yourself to lay down and take a nap.

If your stress is a result of exhaustion or pushing yourself too hard at work or at home, this might be exactly what you need to feel less overwhelmed.

Image Credit: iStock

12. Try EFT Tapping

Emotional freedom technique (EFT) has been used to treat people with anxiety and people with post-traumatic stress disorder (PTSD). It utilizes the meridian points to restore balance to your body’s energy.

There are plenty of online videos that will teach you how to practice this on yourself.

Image Credit: iStock

13. Create a playlist for when you’re stressed:

Find a song, or create a whole playlist, that will help you recenter yourself when you’re feeling overwhelmed.

It could contain classical music and Tibetan singing bowls, or it could be nothing but death metal. Whatever works for YOU.

Image Credit: iStock

14. Color!

Coloring books are for adults too. Coloring can be a simple, meditative task that allows you to be creative while you de-stress.

Check out Amazon for a variety of comical or beautiful options.

Image Credit: iStock

15. Count:

Counting to ten or counting down from one hundred forces you to stop and focus on something else other than whatever is making you upset.

It might seem rudimentary, but it can really help.

Image Credit: iStock

16. Watch cute or funny videos:

When all else fails, one easy way to distract yourself from everything that’s making you anxious is watching funny or inspiring videos on TikTok, Youtube, Facebook, and all the rest.

It may feel like a waste of time, but isn’t stress spiraling an even bigger waste of time?

Image Credit: iStock

If you feel that your life is being significantly impacted by stress, finding a licensed therapist is highlight recommended. Try Betterhelp.com for an affordable, socially distant option.

These coping strategies are just a handful of tools you can easily implement into your everyday life to better handle feelings of stress and anxiety. They won’t solve your problems, but they can help you build up the strength to handle your problems.

Do you have any additional tools for coping with stress? Let us know in the comments!

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A Quieter World Makes the Sparrow’s Song More Alluring to Mates

You’ve probably seen a headline or read an article about how the natural world seems to have righted itself in a few ways lately.

There’s less pollution, there are fewer people driving, and in general, nature really seems to be enjoying their time free from human machines.

It’s not really surprising, if you think about it!

Image Credit: iStock

Scientists have dubbed the relative silence “anthropause,” which has led to an increase in wildlife sightings and a short-term reduction in carbon dioxide emissions.

And listen to this – even sparrows, the world’s most underwhelming birds, are getting sexier. The reason is that they’ve basically had to scream to be heard over all of the other ambient city noise, but without the competing background sounds, they can really focus on their singing.

Their song has turned almost soulful, and I can only imagine the lady sparrows are loving it.

Image Credit: Pexels

Research shows that they do prefer the softer, lower notes that can be heard not that the noise pollution in some major cities has fallen as much as 50%.

The effect, said lead researcher Elizabeth Derryberry, a behavioral ecologist at the University of Tennessee, has been great.

“These birds use their songs to defend breeding territories and attract mates, therefore any change in their mating songs will likely affect reproductive success.”

Translation?

A whole bunch more sparrow females are going to swoon, more guy sparrows are going to get lucky, and we’re all going to get more little babies come spring.

Scientists believe that, as lockdowns continue to ease and the pandemic hopefully becomes a thing of the past, their songs will return to “normal” within a year or two.

It was nice while it lasted. At least, it was for the sparrows.

What do you think about this news?

Let us know in the comments!

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Relatable Memes to Help Fend off the Blues

Everything seems to be falling apart with no end in sight. Looking for a healthy amount of distraction from the all the doom and gloom?

Lucky for you, we’ve got a hefty haul of memes coming your way.

Here are 12 memes that’ll help cheer you up and keep you from staring at your home office wall for roughly ten minutes.

1. My dark obsession

You might ask why, but I’d counter – why not?

Image Credit: someecards

2. TFW you’re jaded

At a certain point, “dating” is just a euphemism for “please don’t let me die alone.”

Image Credit: someecards

3. If only it were this easy

I’ll have whatever Bobby is having.

Image Credit: someecards

4. What we all need

Listen, all the COVID puppies are in for a rude awakening when people finally start regularly leaving their homes again.

Image Credit: someecards

5. Mind: blown

Seriously, wasn’t this the most jaw-dropping thing ever back in the day? If only we were all still so easily impressed.

Image Credit: someecards

6. The real thing dividing us

I’m an *NSYNC girl myself.

Image Credit: someecards

7. Major oof

Honestly, though, who cares? It’s not like we see anybody we need to impress anymore.

Image Credit: someecards

8. This is the worst

You just know that nothing is going to turn out right when this happens.

Image Credit: someecards

9. Candid

Is this cognitive behavioral therapy?

Image Credit: someecards

10. An actual phenomenon

Yes, we all do this. No, we don’t know why. Don’t ask.

Image Credit: someecards

11. A tragedy for us all

Seriously, they missed out on a great opportunity to market a body wash there.

Image Credit: someecards

12. This one

Doesn’t this just accurately sum up how we’ve all been feeling for a while now?

Image Credit: someecards

That was a nice little diversion from everything terrible happening in the world right now.

It’s good to indulge in a little healthy internet rabbit hole every now and then, just to keep us all vaguely sane.

Do you have any favorite memes that always manage to put you in a lighter mood? Share them with us in the comments!

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“How Can Rich People Go Bankrupt and Still Get Loans, but Average People Get Blacklisted for Years?” People Answer.

If it seems like there are two sets of rules in this world – one for the haves and one for everyone else, well, you’re not alone.

One of the places we see this discrepancy is when we lose everything, and are forced to file bankruptcy.

How is it that a rich person can go bankrupt multiple times and still receive loans and start new companies but if the average person declares bankruptcies they’re basically blacklisted for years and their credit is ruined? from NoStupidQuestions

A regular person is looking at 7-13 years of rebuilding their financial life.

A rich person is looking for a loan that will get them through to their next huge embarrassing failure.

If you’ve ever wondered why, this thread is for you!

17. They’re rich for a reason.

It’s all in how s/he organizes their business. A corporation is fully separate from the owner (shareholder), and in court and for tax purposes, they are treated like a separate person, which is why you file a corporate tax return.

In other words, a corporation can go bankrupt, but that will have little bearing on the owner (shareholder). Corporations have the privilege of being able to file for Chapter 11 Bankruptcy which simply allows the corporation to reorganize the company, whereas individuals can only file Chapter 7 (liquidate all your assets to discharge all your debts) or Chapter 13 (3 to 5 year repayment plan that discharges your debts). Both have a negative impact on an individual’s credit score.

In other words, rich people are rich because they know tax and business law better and take full advantage.

16. They’re protected.

The person didn’t declare bankruptcy, the corporation that the person owned declared bankruptcy.

This prevents the majority of the negative effects of bankruptcy from affecting the owner.

15. PR spin can do a lot.

There are vanishingly few chapter 11s that aren’t the result of some form of major failure or another. People put a lot of spin on what a filing really means for PR purposes, but believe me, a company does not undertake the incredibly expensive, painful, and laborious step of actually filing unless catastrophe is imminent or has already occurred.

The end result in the vast majority of these cases is that the owners (shareholders) are wiped out. Either a bankruptcy sale will happen, the proceeds of which run out in the middle of the capital stack long before reaching the shareholders, or some class of creditors will receive all of the equity in the reorganized debtor as partial satisfaction of the debt.

It’s true that chapter 11 rarely means the end of the business, but almost always, someone is getting megaf**ked in a chapter 11; the shareholders, then the unsecured creditors, in that order.

14. The system is rigged.

Yes this. But there is also something in the credit scoring algorithms that puts people into different buckets. For example, when I worked in real estate had 2 applicants for a place with the same low credit score of around 600.

One was 20 years old, really had no significant debt and defaulted on like a $60 dollar credit card bill out of probably pure negligence (her mom would be cosigning for the place)

The other guy bought and flipped properties, fell under water (this was around 2009) and defaulted on over $1m in loans. Same credit score.

13. Straight predatory.

I would actually say it’s not true that bankruptcy gets you blacklisted quite the contrary because your debt gets locked in for 7 years because you can’t file again for 7 years.

A lot of times a few months after someone files they get a lot of offers from credit card companies

12. There should be space for details.

This is something that’s frustrated me my whole life.

My credit isn’t good. But I messed it up keeping a roof over my head in college and beyond.

But my score gets looked at the same as some kid who signed up for credit cards and blew all the money on booze and trips and clothes.

Mine was spent on cheap rent and utilities and healthcare. I’m working my a$s off to fix it, and I will, I just wish there were more to it.

11. We don’t use the same applications.

Well, a lot of financing that rich people get is private investment, not bank loans.

So they’re not trying to convince a bank with a credit rating, they’re trying to convince investors with a value proposition.

10. It’s not personal.

This. Financial institutions are not the morality/personal choice police, all they care about is whether you pay or not and if you did that’s great and if you didn’t that’s bad.

If you defaulted on a debt because you had bad luck and had no choice but to do so to stay alive it’s the exact same result for them as someone that defaulted on a similar sized debt but for something else, like strippers, so you’ll be treated equally.

There’s nothing inherently “better” about someone that couldn’t pay out of desperation vs. someone that couldn’t pay out of mismanagement.

9. It’s all in who you know.

Rich/wealthy people use private banking when they use banks.

Credit scores don’t matter much in private banking.

If a rich person wants to finance a 10 million dollar mortgage and has a 100 million dollar investment account with the bank, they’re going to give him/her the loan without caring about anything other than the other outstanding debts that person has.

8. It depends.

This only works for some businesses though, right?

A corporation (like Toys R Us) can easily claim bankruptcy without directly affecting the individuals who are a part of the corporation.

In the case of a proprietorship (like a locally owned and operated store), for example, since the liability of the business is directly tied to the individual owner, wouldn’t that affect their financial standing as well?

7. Who cares about treason?

Or they are financed by Russian mafia who pay a fee to launder money through businesses.

When you have such a bad track record that no one will lend to you any more, you make deals that allow you to still make money on shitty businesses by laundering.

Or you get a “legit” loan through Deutschebank with ties to Russian mobsters.

6. It’s shady as heck.

Fun fact, this is why subcompanies exist too. most property companies will file each building as it’s own company eg. 123 Main St, LLC. and operate it as part of their business and just have that one declare bankruptcy if something drastic goes wrong.

The shadiest example of this is mining companies putting mines into separate companies when they go bust so that they don’t have to deal with the cleanup costs.

“That mine doesn’t belong to MegaCoal anymore, it is property of Toxic Pit, LLC! and Toxic Pit LLC would love to follow the legal steps and cleanup for the property, but they have approximately zero assets or money! Oh well, Toxic Pit is bust! I guess the government has to deal with it now!”

5. Must be nice.

In college I knew a girl who worked for a millionaire. He told her he’d made money and lost it several times. His advice to her was you never use your own money to make money, you use someone else’s.

Hence, as others have pointed out, a corporation that has people buying into it as an investment can go under and there is a separation between the corporation and the individual. This is not talking about a mom and pop gas station but larger businesses.

4. When the bank gambles.

Something I read a while ago on here…

“Take a thousand dollar loan, you worry.

Take a million dollar loan, both you and the bank worry.

Take a billion dollar loan, the bank worries.”

If I fail to repay the thousand dollar loan, the bank will come down heavy on me and I will either pay it or my wages get garnished until the entire loan (plus interest) is paid.

If I fail to pay back the billion dollar loan, the bank will work WITH me because they don’t want to take a massive hit.

3. It’s a classic for a reason.

It’s an old joke:

If you have $10,000 in debt, that’s your problem.

If you have $10,000,000,000 in debt, that’s the bank’s problem.

2. An interesting take.

There was a lot of impact on World War 1 about supporting a country at war for the survival of the country because they owe you money.

If you owe the bank money, the bank controls you. But if you owe the bank enough money, you control the bank. At that point the bank has an interest if your survival

1. Find the right loan officer.

I’m in financial services and here is the basics on this. Most lenders yes would blacklist the individual. But it also depends on the lender and the type of lending being done. Some lenders charge more (higher interest rates) for the added risk and others specialize in Asset Based lending, in which they don’t care about the individual but just the assets.

In most cases, real estate being the most valuable. Many cookie cutter lenders like the big 4 would not touch someone with a 10ft pool that has a BK, but that doesn’t mean someone won’t. There is a lender for everyone out there. Just need to find one.

I don’t know why the world is the way it is, but sometimes I really want off.

Do you think this is fair? Is there any way to change it?

Drop your thoughts in the comments!

The post “How Can Rich People Go Bankrupt and Still Get Loans, but Average People Get Blacklisted for Years?” People Answer. appeared first on UberFacts.

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Memes that Might Just Make You Smile

Don’t let the horrors of the world weigh heavy on your heart. There’s always joy to be found, if you take a moment to look.

Let’s turn that frown upside down (or at least give it a shot) with these 10 memes that just might make you smile.

1. Clown school is no joke:

Professional clowning takes creativity and skill.

Image Credit: borgaard88

2. Nice suit, Joe:

Something tells me he’s about to win some big money.

Image Credit: borgaard88

3. Yiiikes:

But relatable, am I right?

Image Credit: borgaard88

4. DON’T DRINK THE COFFEE:

It’s not worth it…

Image Credit: borgaard88

5. Nothing cheesy about this:

Lookin’ sharp!

Image Credit: borgaard88

6. Gotta love the commitment on this one:

Who else would you expect to be pressure washing the roof? Batman?

Image Credit: deafkitten

7. The next time you think “I can’t do this”…

Remember this dynamic duo, and find a way to overcome.

Image Credit: deafkitten

8. Remember when?

Phew, so glad to have left all of that behind….wait a minute…

Image Credit: deafkitten

9. Can you not?

Back. Off.

Image Credit: deafkitten

10. Hey now, things can still get better:

Unless you’re watching Riverdale. Then it most certainly will not get better.

Image Credit: deafkitten

Also Tiger King. Tiger King does not get better.

But your day CAN get better. And if not your day, then your week. And if not your week, then your month. And if not your MONTH then your YEAR!

Ok, so hopefully it gets better before then. Let’s focus on the positive.

What’s ONE good thing that’s happened to you lately? Let us know in the comments!

The post Memes that Might Just Make You Smile appeared first on UberFacts.

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The Cabins Provide a Luxury Treehouse Escape in the Forests of Norway

Do you have childhood memories of playing in a treehouse? Do you enjoy the outdoors? BUT… do you dislike camping?

Woodnest has the perfect vacation getaway for you.

You can now rent a luxury treehouse experience in the forests of Norway.

Nestled in the forest, near the town of Odda, Norway are two luxury treehouses. Each Odda Treehouse is attached to a single tree, which shoots through the center of the house.

The steel collar, attached to the trunk of the tree, eliminates the need for additional support, leaving the forest floor below untouched and giving the impression of a nest free-floating among the trees.

This minimally invasive design is the work of Helen & Hard Architects, who say their aim was “to create a space that truly embodies what it means to dwell in nature.”

Each treehouse includes wifi, running water, sleeping accommodations for up to 4 people, a kitchenette, and is accessible via ramp.

Although, the Odda Treehouses are not accessible via car. Renters must hike to their designated Odda Treehouse, but the journey is part of the overall experience.

No more sleeping on the cold earth or squatting in the bushes when nature calls.

You can enjoy a warm shower, heated floors, and remarkable views of the fjord all from the comfort of your Odda Treehouse.

The creative team behind this breath-taking experience is the Aano family, including partners Kjartan and Sally and their daughter Lily. The treehouse plays a significant part in the love story of Kjarta & Sally, making this endeavor even more special.

It is important to the Aano family that their guests experience that “wow” moment when they gasp at seeing the treehouse for the first time.

Each rental starts at 2800 nok, which translates to $331.34 in United States dollars. The treehouses are currently booked through September 2021, and are taking reservations as far out as September 2022.

Would you book a night in one of these Odda Treehouses?

Let us know in the comments!

The post The Cabins Provide a Luxury Treehouse Escape in the Forests of Norway appeared first on UberFacts.

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People Discuss the Statement, “Morning People Are Not Better Than Night Owls.”

You think you’re better than me, buddy?

I see the way you’re looking in my direction and I feel like you’re judging me because I’m more of a morning person than a night owl.

Oh, sure, in my younger days I was probably more of a night owl, but now I like to be in bed at a decent time so I can get up early and get to work!

And people do seem to go back and forth over which side is better.

AskReddit users weighed in on this subject…let’s see what they had to say.

1. Drives me nuts…

“It drives me nuts when people who wake up early brag about it like it’s some accomplishment. These people usually go to bed early too!

So why is it that people who go to bed late and get up late are seen as lazy? Some of my best ideas and work happen at night when everyone is asleep, my mind is more clear. I just enjoy night time more than day time, what is so wrong with that? It would be crazy to think that everyone can just have the same sleep schedule and thrive.

People have different needs and different rhythms, that is perfectly fine. If you’re a functional person, it shouldn’t matter what time you go to sleep or wake up.”

2. A lifestyle choice.

“I will say this…

Morning people enjoy more of a normal life.

Night owls……well…night owls enjoy themselves, period.”

3. Society says…

“It’s really a societal issue that morning people are seen as “normal” and night people are seen as lazy and unhealthy.

Because waking up insanely early is just as unnatural and unhealthy as staying up super late.

Both go against a human’s natural sleep cycle, so sleep whenever you want.”

4. Seen it all.

“I’ve swung both ways in my life.

Total night owl in high school and college. Morning person for a few years, swung back and for a few times. While there are benefits to both, it is way easier to live a “normal” life as a morning person.

Businesses are open, you can do outdoor activities, and its way easier to stay up late than to wake up early.”

5. At peace.

“I prefer the night, just because it’s the only time no one demands anything from you.

If the nagging people in my life weren’t also early birds, I’d be one. But for now I can only be at peace in the late hours.”

6. No issues.

“As long as you’re able to get up, get your work done, and pull your weight then it’s not an issue.

My husband (when he doesn’t need to work) gets up around 9 or 10. I only wake him up if we have plans.

He wakes up, does his own thing for maybe an hour, and then gets his sh*t done. I don’t see the issue.”

7. Circadian rhythm.

“Technically the human body has evolved in a way to be the most productive when waking up early and getting a good night’s sleep. It’s a part of our circadian rhythm.

Being a morning person has actual mental and even some physical health benefits. I used to be a night owl but I also struggled with depression. One of the things my doctor recommended for my depression was to have a consistent sleep schedule that involved waking up early.

This actually ended up helping me out way more than I was expecting. Do not underestimate what it is like being a morning person.”

8. We’re all different.

“I have been getting up at 6am for 3 years as part of my work.

I still feel tired all day, and have only been depressed since I’ve been forced to be a morning person!

I don’t think age has got anything to do with it I think it is just how different people work.”

9. Works for you.

“I struggled with depression and honestly being a night person kept me a lot more calm and safe and made me more productive.

My therapist made me a morning person for a while and I really didn’t feel better – if anything, it was worse.

10. A night person.

“I used to have school and work in the mornings and I’ve had chronic fatigue and depression for years.

But since I started working 3rd shift it’s like I’m a new person. I have so much more energy and I just feel so much better.

So it definitely depends on the person and your natural rhythm and what not. Apparently mine is backwards.”

11. Transitioned.

“I’m a natural night owl who has forcefully transitioned myself to a morning person.

The reason for this is that once you’ve adjusted to waking up early, those first few hours becomes the most productive time of day for you. Your brain is fresh and ready to go full steam ahead. This is actually proven through studies.

So I’ll wake up at 5, go to the gym and be back home by 6:30. I’ll have breakfast and a shower and be ready to go for my day by 7. Then in the two hours before my classes start, I can generally get more work done than I would in the entire rest of the day.

When night time rolls around, I can use that natural pickup from being a night owl to invest in my own interests. I don’t benefit as long because I need to sleep earlier, but I also don’t have to share the time with school work.

This routine gives me more freedom than just staying up late ever did. It sucked for the first week or two waking up before the sun, but now I’m able to feel like I’m giving good attention to all parts of my life.”

12. Not feeling it at all.

“I’m a night owl forced to turn into a morning person ever since I had a kid. I feel like crying. I love the night.

No postman who can bring unexpected bills. No one nagging at your head, every annoying person is asleep. It’s quiet outside.

Now i’m wasting my time sleeping in this precious time.”

Now we want to hear from you.

Are you a morning person or a night owl?

Talk to us in the comments. Please and thank you!

The post People Discuss the Statement, “Morning People Are Not Better Than Night Owls.” appeared first on UberFacts.