
Scammers often target the elderly who don't know any better.
Persistent scammers have all planned out several backup plans to keep the person they have on the line engaged and genuinely concerned for their financial stability, often threatening that the FBI could intervene as a consequence of purported unpaid charges.
Some scams are not so criminal and are actually legit; however, they make consumers feel as though they've been taken advantage of.
"What's the biggest scam in America?"

Some people don't think twice about certain transactions.
Hidden Concert Fees
"Surprised no one mentioned ticketmaster yet."
– hopsteiner420
"They jack the ticket prices up with tons of hidden fees."
"A ticket will be priced at $50. Then Ticketmaster will tack on all kinds of bullsh*t like 'venue fees,' 'service fees,' etc. All of a sudden that $50 ticket costs you over $100."
– jthemusician
Popular Services
"Funerals, weddings, and pretty much every other thing we blindly accept have to be insanely expensive without even thinking about it."
– jcfeej
Dealing With Student Loans
"I think Student Loan servicers. For example, Navient manages Federally guaranteed debt for the US Gov in Student loans, has the IRS as their personal collection agency."
"They constantly, I mean CONSTANTLY f'k up to the extent they get dragged in front of Congressional Hearings, and their CEO is paid $7.7M annually."
– Firebolt164
Rent-to-own businesses were mentioned a lot in the thread.
Trackers In The Merchandise
"I scrolled really far and was surprised I didn't see Rent to Own stores. They sell furniture and electronics type stuff to people with bad credit who can't really afford it, let them pay a small amount weekly."
"If people end up paying on time and pay stuff off, they will pay 2 or 3 times more than the item is worth. If they make a payment late the item is repossessed and re sold to someone else and the first person loses all the money they paid."
"There are used car dealers that do this same business model with cars too. They put GPS trackers in the car that also disable the starter. They collect $1000 down and once a payment is late they disable the car and go tow it, then sell it again and keep the downpayment."
"I worked at a shop that installed the trackers and these places would sell the same car to different people 5 or 6 times in a year because they kept repoing it."
– bgwa9001
An Insider Speaks Out
"I used to be the sales manager at my local Rent-A-Center years ago. It’s a huge scam and I feel dirty even having worked there. The worse thing I ever had to do was repossess a fridge from a single mother."
"She cried as she removed the items and kept saying 'I have no where to put these. They are going to go bad.' Another one was when i had to repossess a bunk bed from two kids. They asked their dad where they were going to sleep."
"It’s been years and I still think about it from time to time. Don’t rent from rent-to-own stores. Don’t give them business."
– MaxTimeLord
Another Testimony With A Special Message
"Same. The owner of the place I worked was a huge asshole. He went with me on this repo of a single mom that apparently he didn’t like for some reason. Same thing, it was a fridge. We get the fridge out on by the curb and it has a bunch of roaches crawling out of it."
"When we’d get TV’s with roaches we’d bag them with a fogger, vacuum them out and re-rent them. The fridge was too big for a bag and the owner didn’t want to put it into the truck. So he pushes the fridge up next to a tree, gets back into the truck and smashes the fridge up against the tree multiple times until it’s completely crumpled. I’m standing there like WTF just happened and he tells me to get back into the truck and we drive off."
"We destroyed a fridge from some lady who was down on her luck just so she couldn’t have it. Then the embarrassment of having a smashed fridge in her front yard that people were obviously going to ask her about."
"F'k you Dwayne."
– cokecan13
Cable Companies
"Cable TV/Internet monopolies."
– dan1101
"Seriously. The spectrum person that signed me up on the phone gave me a price and simply neglected to tell me it was a 'promotional rate.' Price goes up 50% after a year."
– valuethempaths
Cutting The Cord
"Comcast had such a monopoly in my area that cancelling wouldn't get you a promotion, just a simple we'll be sad to see you go."
"And after the third time putting a new plan under someone else's name to qualify for 'current promotions,' we just said f'k it and cut the cord."
"Maxed out our internet plan and it's still cheaper than the bundle they were forcing down our throat that included a landline that we didn't have a phone for."
– ultrastarman303
Paying The Price
"And Youtube TV is turning out to be the same sh{replace1}amp; different medium…. hey let’s keep jacking up the price, but let’s add on a dozen or so channels no one f&{replace1}amp;in cares about to keep everyone happy. No that did not make us happy because we’re not that dumb."
"It’s like Animal Farm."
– rigored
Some believe the biggest American scam was multi-level marketing (MLM).
Dodging A Bullet
"A few years ago my husband was keen on the idea of buying a franchise. He came across a scheme he thought was promising and asked me to go with him to meet the people selling it. As soon as we sat down my gut feeling was RUN, but being polite people we sat through their spiel. On the surface it seemed legit, but for me the absolute killer was when they started spouting on about how the big boss has bought a helicopter and how cool it would be for us all when we can do that too."
"They were very pushy, but I’m equally stubborn and held firm that we needed to think about it. As soon as we left I threw away the brochures and crap they’d foisted on us. Had a few emails and calls, but ghosted them. Husband was disappointed for a while, but then one day I was reading Reddit and came across a familiar company name."
"To this day I enjoy reminding my husband how we dodged being tied in with Herbalife."
– SoftandSquidgy
Cousin's "Business"
"My cousin is always involved in multiple MLMs and tells us all she’s a 'small business owner' and gets mad if we don’t support her 'business.'"
"Here’s the thing though. I would rather just send her a check every month so that I don’t have to be solicited with this protein shake or that skin care line. How much would it take? $50 a month? $100? Because I know she’s not making any money doing this. YET SHE KEEPS ON DOING IT!!!"
– ArhedisVarkenjaab
A popular scam in my neighborhood involves representatives from a "friendly energy" company going door-to-door and trying to convince tenants they are paying too much on their electric and gas bill.
They throw out a lot of jargon and detailed information and have a vague answer for everything.
The last time I encountered such a rep, I said I'd like to take the time to research this and I told him I didn't like being made to make a decision to upgrade my services on the spot.
When I asked for his business card, he gave a piece of flimsy paper with information saying they were "looking for newhires."
He peace'd out. And when I looked up the "service" he was offering on the internet, the information indicated it was a scam that took over your existing energy company and charged you triple the previous amount.
I dodged a bullet that day, but I definitely felt like spending time with him was a huge waste of energy.
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Many people work hard from the moment they are on the clock until their respective shifts are over at the end of a long day.
For many of those in the workforce, the wages barely sustain a comfortable living, especially for those who are raising a family.
Yet, there are jobs that are known to pay a higher salary without requiring extreme physical labor, or the requirement of higher education.
Curious to hear what those jobs might be, Redditor ImAMasterBayter asked:
"People Break Down Which Professions Are Completely Overpaid"
Extensive training requirements are not a thing, apparently, with these professions.
Daily Dairy Duty
"I watch milk powder go into a bag and out on a conveyor and get paid $37 an hour."
– Stacwe3
Eyeing Dirt In Motion
"Mine? I get paid $20.50 a hr to watch dirt go by on a belt all day."
– trudmer
The Handy Man Is Happy To Help
"I am a handy man that charges $50/hr with a 3hr minimum, a couple months ago I got a call for service that consisted of changing 9 smoke detector batteries, 2 light bulbs, and rehanging a picture. I felt bad taking the money but the guy couldn’t have been happier to have that stuff finally done. He asked for my card and is now a very good client."
– iznmehra
Words From An Appraiser
"I make about 40 an hour after tax in the US as a real estate appraiser. You just need a college degree and a year of training and there is a huge shortage of appraisers right now."
"Edit because this post blew up: I only perceive this job as being overpaid because I used spent most of my 20's making pizza for minimum wage and imposter syndrome is a thing. Also, OP said he was looking for a possible career, and I felt like my job post was better than a troll post."
"Appraisers are not real estate agents or brokers. I do not buy or sell property."
"I do not, 'look at zillow and copy the number' and I don't just, 'make the number' in valuation. While I agree there are some appraisers who may lie or exaggerate, the same could be said of nearly any job. However, if I were to intentionally try hit some goal and got caught fudging the numbers, I'm looking at permanently losing my license and possible jail time depending on the severity. It's actually pretty common for me to, 'tank a deal' if someone is paying too much. This isn't the wild west of valuation anymore; FIRREA is a thing now. Appraisal reports aren't just 3 pages of photos with a cover page anymore; my typical appraisal is 30-50 pages with long boring typed pages of market data that I type and research myself."
"Let's talk about the appraisal gap. In most of the US, we are experiencing a, 'sellers market' meaning houses are selling for higher than what they normally sell for. A lot of people at this thread are blaming appraisers for driving housing prices up. Let me be perfectly clear about this: appraiser's valuations are based off of past data. That is it; we look at closed sales from the past. Realtors and brokers speculate on future markets, because they are motivated by profit. If anyone is driving this current market trend, it is the people buying properties over listing price, local government/laws willingness to allow foreign investors, the people who are raising rents, and the people who are making big risky developments. The appraisers have little to nothing to do with market perception of value; in my area at least many market participants are paying over 30% of listing price. Trust me when I say these people are not satisfied when my appraised value comes in less than that."
"The hardest part of the job is definitely the occasional angry phone call. Let's look at an example. Say someone lists their house at 100k, and they accept an offer for 150k, or 50% over listing. Well the appraisal is based off of past closed sales. The bank will only finance up to the appraised value. So if the appraisal comes in at 110k, meaning the subject in relation to comparable sales from the past year in the subject neighborhood equate to roughly 110k, they will either need to renegotiate the price, or be willing to put up 40k of their own money."
"In a sellers market, it's often better to accept a deal with better financing than a higher price. Let's say in this situation instead of taking the 150k offer with a mortgage, you take a smaller offer for 140k that is all cash, no financing. Well if there is no financing involved, meaning no bank, than no appraisal is needed."
– f4gmo
Landing work in software seems to be like hitting the jackpot of success.
High Commissions
"I’m in software sales, software sales. Coworker got 100k commission on a deal."
– The_GOATest1
So-Called Analysts
"There are an incredible amount of 'analysts' who just 'own' automated excel sheets they received from developer teams."
"Low to mid six figures is common in HCOL areas."
– Shoddy_Bus4679
The Successful Client
"I do the tax returns for a guy who paid 20k for demographic research software and made something like 40M over the last 3 years. His costs are almost nothing and admitted he does like 5 hours of work a week on it."
"I got more likes and comments than I thought I would, and wanted to add some more detail. The guy himself is super nice and easy to work with. It's hard not to feel jealous even though I make good money myself. His business and personal returns are super simple so we don't even charge him that much for them."
"The software is something proprietary he paid a third party for, and I don't know the name of that developer. The data output is sold to political campaigns and he's compensated more if the campaign wins. He did have some clients on both sides but now exclusively works on one side of the aisle."
– Todders8787
Salaries in the world of academics got a closer inspection.
The Administrators
"University administrators and board members."
– MayBeckByDay
A Stark Contrast
"I'm a professor. I love it. But the 'president's office' contains a staff of 5 people with a total payroll of just under $500k/year. Meanwhile, all the PhDs, MFAs, and DMAs who teach all the classes, advise all the students, and serve on all the committees bring home a whopping $50k-$65k/year, dependent on rank, tenure, etc. It's real fun...
– LPHaddleburg
Unfair Privileges
"The president of my institution makes a approximately $500k/year and is provided a house on campus alongside reserved parking if he so chooses to use it. He also gets a country club membership. Meanwhile I have to pay $200 to park at the school where I TA and do research, and I get paid maybe 1/20th of what he does. I genuinely do not understand why the f'k the dude who makes six figures doesn't pay for parking, but I do."
"Edit: that should be half a million."
– DADPATROL
Some of the cushiest jobs that require less time actively toiling away seem to be paying significantly more than the average livable wage offered in the US.
Perhaps the biggest indicator of what that might be was summed up best by Redditor iadasr, who said:
"Whatever you guys are all doing that lets you browse Reddit all day..."
Word.
No one can deny that the first year or so of the global pandemic was a difficult time for everyone.
In addition to the fact that people had to remain home, and limit all communication with friends and family through phone and video chat, people had to adjust to working or studying from home, and be on their guard when out and about in public.
But now, just over two years later and as things seem to be easing back to normal, one can now look back on these difficult years and realize the many lessons we as a society have learned.
Some might fill our hearts with hope and optimism and others which might infuriate us for the rest of our lives.
Redditor Affectionate-Ad1060 was curious to hear all the lessons, the good and the bad, people otherwise might not have learned were it not for the pandemic, leading them to ask:
"What is the most important lesson learnt from Covid-19?"
Healthcare needs fixing.
"Healthcare needs an overhaul."- Toxic_Politician
We could have been better prepared
"When the sh*t really hits the fan, we're f*cked."- idkijustlikememesetc
We overestimated people's concepts of basic decency.
"That it wouldn’t take much for civilized people to turn on each other."- hindmaja
"Most grown adults are nasty and have to be reminded to wash their hands."- shantyirish13
"People are sh*ttier than I expected."- WhitePhatAss
Cherish every moment
"You should take the time to spend with those you love."- idontworktomorrow
Nothing wrong with a little alone time every now and then.
"How comfortable I seriously am with just myself."- equidistant_life
Nothing.
"Bold of you to assume we’ve learned anything."- Airsoft07
Don't give in to vices.
"Alcohol doesn’t improve my life."
" t just feels good for a moment."
"9 months sober!"- bugaboo2013·
Major differences between city life and country life.
"The biggest take away I can come up with is how under serviced rural areas are."
"The local grocery store can’t offer curb side pick up, door dash doesn’t exist here, all the answers for what we should do in a pandemic aren’t feasible where there’s only 500 people."- medicff
It's necessary now and then to stop and reflect, something we all had plenty of time to do in the early months of the pandemic.
And though some major problems became more apparent, which we still need to continue working on, one can also appreciate that maybe the pandemic was the great big reset button the world needed to improve the many things which were otherwise being overlooked.
Here's hoping we remain proactive in continuing to make the world a better place.
OnlyFans was a groundbreaking step in content creation, allowing content creators to earn funds and tips directly from their subscribers.
And though not created expressly with this intention, it has proven hugely popular among both professional and amateur sex workers and porn performers.
So much so, that a threat to ban all adult entertainment from OnlyFans in August of 2021 was immediately squashed six days later.
Not having to be a professional has resulted in countless people creating and OnlyFans page as a side hustle, no doubt also taking it as an opportunity to explore a part of themselves they otherwise might not be brave enough to.
Others, however, are far too intimidated to even think about creating an OnlyFans page.
Curious to hear what might be stopping them, Redditor Sense_Conscious took the opportunity to find out by taking to Reddit to ask:
"What’s stopping you from having an OnlyFans?"
One of the hardest things to do in life is to stick to a budget. No matter how well you plan and how determined you are, you always seem to overspend a little.
Usually, this is a result of certain items being overpriced. Between run-of-the-mill inflation and shortage of goods, and the addition of pandemic-related inflation and shortage of goods, several items have been marked up.
In addition to goods, events and services are costing more as well.
The worst part is a lot of the stuff that is overpriced are actually items that people can't stop buying. People can't stop overspending if they aren't able to stop buying.
Curious about what overpriced items people keep buying, Redditor Sxzym asked:
"What's something that's way too overpriced, but people still keep buying?"
An Awful Business That's Always Needed
"Funerals"
– sparklingshanaya
"Just throw me in the trash."
– snyder005
"I’m thinking about starting a business as a funeral planner. I know it sounds like a stand up bit, but I’m serious."
"It’s not like the average person understands the business, the rules and regulations, and the prices."
"So essentially, you’re making thousands of dollars worth of decisions while you’re an emotional wreck. Plus everyone is trying to squeeze extra money out of you by gaslighting you into thinking you’re a cheapskate that doesn’t care about your dead loved one."
"I go in not knowing the family nor the deceased and I certainly don’t give two sh*ts if a funeral director thinks I’m being cheap."
"The only thing that sucks is I would have to get paid too, so that would kind of ruin the whole point. So part of me just wants to volunteer my efforts."
"I just really hate when people get bent over and put in debt after losing someone. It’s so disgusting."
– Deleted User
Addicting Goods
"Cigarettes"
– Poopikenz
"This one hits home. Everytime my mother buys a pack of ciggies and bitches about the rising costs but absolutely refuses to try the MUCH cheaper alternative which is vaping, the same device she seen me quit cigs on lol."
– ItsAnAvocadooThanks
"I feel this lol"
"I’ve had issues with other addictions in the past and managed to kick the bad ones but haven’t been able to quit smoking."
"At 2 packs a day with the price being between 6-8$, that we will call 7 is about 5k a year and I’m about a decade into this so I’ve depend around 50k on cigarettes in my life."
– GenericUsername19892
Fast Food
"Fast food. Gone are the days of the dollar menu"
– Bending_toast
"F*ckin fast food man, McD’s is expensive as sh*t now a days."
– iaintlyon
"Fast food. I see lines of cars in just about every joint I drive past. Spending who knows how much money on one meal that has no nutrients. I spend the same amount on food that will provide me three meals, with nutrients that will help me through my week."
– HeartPalpitations46
Medical Supplies
"Insulin. It's like they need it to live or something. Lol."
– uwumcuwu
"Inhalers too. So ridiculous it's not like I'm choosing to not breathe"
– adnoh1799
Apple Products
"Not to start a phone war, but i myself think that Apple products in general are way too expensive."
– Lo0tzz
"I might be wrong on this but it seems like every time they come out with a new iPhone all they add is a bit more battery life and a few better camera features when they’ve already had an excellent camera since iPhone X and 11 because that was the whole gimmick of those devices but they keep adding more camera stuff and then slap on a hundred more to the price."
– zRudy_Jimmy
The Essentials Of Eating
"Grubhub/Uber eats/door dash, etc"
– MonkeyDDeclan
"And when you have small children at home, thus making you unable or unwilling (depending on the circumstance) to just run out and pick up the food yourself, you wind up using then FAR more often than you should."
– dkonigs
The Completely Necessary
"Health care."
– dangoins
"Insurance I mean, it's necessary, but still..."
– asianchopsticks__
"Women's hygiene products."
"It should be dirt cheap, if not free."
– Marmite_Badger
Hydration
"Water. Should never have to pay for it."
– mattekus
"Bottled water - obviously only where safe, clean drinking water is available from the tap."
– McStabbityStabStab
"Our tap water at our apartment tastes like dirt so we usually get a 24 pack and go through it in about 2 weeks. We always get the store brand, though. Never name brand."
– captainbuckybarnes
Fulfilling The Food Groups
"pre-sliced fruits and veggies at the store. The markup is insane on those things lol"
– -MACHO-MAN-
"In Tennessee a whole watermelon is $4.99. Also, 1/4 of a watermelon is $4.99."
– usedTP
"I hate myself a little every time I buy pre chopped veggies but damn it if they aren't worth it when my arthritis flares."
– thatspookybitch
Learn A Lot
"College education after associates."
– Cozycouchandtv
"University or college education"
– ThirdSpectator
Sadness
"The American Dream."
– Thundersiege_Tank
"happy endings"
– revpar35
Ouch. That's a harsh reality!