Upvote if you like cute animals

This amount of hate on this sub is concerning

I came across many posts and comments dragging, mocking, belittling, judging the contestants for the way they look, and for every action they do or didn’t do. This sub has become or maybe has been, an echo-chamber for anyone to just judge and spew hate in the most derogatory manner from the comfort of anonymity. It’s actually concerning how much hate, slander or even serious accusations have been thrown around so lightly, to the point where I wonder if this sub is even being moderated at all. A lot of people here are so quick to label everything and anything as “rude”, “disrespectful”, “icky”, “creepy”, “a red flag” or even worse “pr*datory” etc while digging into the contestants personal lives, mocking their looks, insulting them, sharing misinformation just to fit their narrative about a contestant they hate. A lot of what’s been said here is far more “rude” or “red-flashy” than anything the contestant have done to be honest. And the fact that some contestants are being harassed to obscene levels should warrant more care and consideration but here all I see in a multitude of the same posts rallying a ridiculous amount of hate every 3 other posts. Judging others won’t make you a better person btw. I labeled this as an unpopular opinion because I rarely see these type of behavior and comments called out and this is clearly the sub’s culture given the many upvotes on hateful remarks and rhetoric. I’m also addressing this to the mods who I am sure have a hard time managing this sub, so I’m curious to hear their response.

I've been a homeowner for 4 years. These are the biggest things I wish somebody told me on day one.

**1.  Your home equity is a gold-mine. If you need cash, stop taking out high-interest loans.** So many people take out high-interest payday loans – please don’t do this. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit). Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card). Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans. Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). Side note: if you hate debt, you can still get money out of your home’s equity by using something like [Hometap](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), where you more or less sell investors a portion of your equity without a loan) **2. Switch auto insurance companies every 6-12 months.** If you haven’t compared auto insurance rates in the last 6 months, you’re probably overspending (on average by \~$400/year[¹](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Red-Big-Mistakes-Homeowners-D2D-1028-New-HELOC1st-Source)).  Example: I cut my car insurance bill by \~$1,300 this year by switching carriers (same exact coverage too) and it took me a whopping 5 minutes. Take two minutes and pull up a comparison site (I used [Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) is fine too) and compare multiple offers from different companies in one go. Worst case scenario: you stay with what you’ve got. Best case scenario: you save a few hundred dollars a year.Here’s a link to a good comparison site:[ link](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st). **3. Try and find the best price online.** Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices. I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible. **4. Get yourself a dang advisor.** Most people are under the false impression that financial advisors are just for wealthy people. They absolutely aren’t: if you have a net worth of $100k+, you can typically qualify for an advisor. Having an advisor typically increases your yearly returns by 3%[¹](https://corporate.vanguard.com/content/dam/corp/articles/pdf/putting_value_on_your_value_quantifying_vanguard_advisors_alpha.pdf) (mostly due to smarter tax planning) If you don’t have an advisor in your family, use a site like [WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) or [Zoe Financial](https://betterbuck.net/view-nb.php?offer=zoe&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) to find somebody with good reviews in your area. **5. You don't have to pay off your debt by yourself.** Very few people know about it, but If you have $10k+ in debt, you can technically ask a debt relief to come in and take over the process for you.  It’ll typically save you 23% off your total debt, after fees (according to NDR, a big debt relief company).  They’ll negotiate with your creditors and try to get your debt reduced (then they take a cut of the savings). Typically people who are struggling with debt save 23% on avg. when they ask for help from debt relief companies. Here’s a little calculator you can use to see how much you’d potentially save: [link](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). **6. Save on home insurance.** Some homeowners save $1k+/year just by switching home insurance providers (typically saving them more than changing auto insurance policies). If it’s been over a year since you’ve reviewed your rates, it might be worth taking a few minutes to compare offers. Here’s a home insurance comparison site I’ve used: ([link](https://betterbuck.net/view-nb.php?offer=bankrate-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).

I've been a homeowner for 4 years. These are the biggest things I wish somebody told me on day one.

**1.  Your home equity is a gold-mine. If you need cash, stop taking out high-interest loans.** So many people take out high-interest payday loans – please don’t do this. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit). Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card). Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans. Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). Side note: if you hate debt, you can still get money out of your home’s equity by using something like [Hometap](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), where you more or less sell investors a portion of your equity without a loan) **2. Switch auto insurance companies every 6-12 months.** If you haven’t compared auto insurance rates in the last 6 months, you’re probably overspending (on average by \~$400/year[¹](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Red-Big-Mistakes-Homeowners-D2D-1028-New-HELOC1st-Source)).  Example: I cut my car insurance bill by \~$1,300 this year by switching carriers (same exact coverage too) and it took me a whopping 5 minutes. Take two minutes and pull up a comparison site (I used [Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) is fine too) and compare multiple offers from different companies in one go. Worst case scenario: you stay with what you’ve got. Best case scenario: you save a few hundred dollars a year.Here’s a link to a good comparison site:[ link](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st). **3. Try and find the best price online.** Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices. I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible. **4. Get yourself a dang advisor.** Most people are under the false impression that financial advisors are just for wealthy people. They absolutely aren’t: if you have a net worth of $100k+, you can typically qualify for an advisor. Having an advisor typically increases your yearly returns by 3%[¹](https://corporate.vanguard.com/content/dam/corp/articles/pdf/putting_value_on_your_value_quantifying_vanguard_advisors_alpha.pdf) (mostly due to smarter tax planning) If you don’t have an advisor in your family, use a site like [WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) or [Zoe Financial](https://betterbuck.net/view-nb.php?offer=zoe&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) to find somebody with good reviews in your area. **5. You don't have to pay off your debt by yourself.** Very few people know about it, but If you have $10k+ in debt, you can technically ask a debt relief to come in and take over the process for you.  It’ll typically save you 23% off your total debt, after fees (according to NDR, a big debt relief company).  They’ll negotiate with your creditors and try to get your debt reduced (then they take a cut of the savings). Typically people who are struggling with debt save 23% on avg. when they ask for help from debt relief companies. Here’s a little calculator you can use to see how much you’d potentially save: [link](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). **6. Save on home insurance.** Some homeowners save $1k+/year just by switching home insurance providers (typically saving them more than changing auto insurance policies). If it’s been over a year since you’ve reviewed your rates, it might be worth taking a few minutes to compare offers. Here’s a home insurance comparison site I’ve used: ([link](https://betterbuck.net/view-nb.php?offer=bankrate-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).

Post stats revamp test from pdp for 2025-02-05 14:48:34

YIM menu without insert button.

guys i have a 60 precent keyboard and cant open ytyim menu wthouth insert. how do i change this???

Does anyone else see this

Is it just me or is it In every one of the DLC’s logo the red gets darker or am I just crazy

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Perfection....

Perfection

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So, where's all of the blood?

We are not just referring to alleged gunshot wounds, how many ever someone wants to claim there were... Was it 2? 7? 10? Who cares, right? We are also referring to the dismemberment that took place prior to the burning episode. From the state expert reports she notes kerf marks on many of the bone fragments she would eventually identify as human. The cut marks were fairly consistent among all of the bones recovered from the 5 different locations within a 1+ mile radius of land owned by 3 different entities. Pre-incineration trauma in the form of kerf cuts to the bones means the body was not yet in the fire before it was cut with most likely a hacksaw (which would also contain bits of bone/DNA in the grooves and teeth). Where on the property did Avery do this messy job? Behind his garage? In the garage? In the trailer? That's something that seems to hardly ever be talked about by the state supporting side. Probably, I guess, because the state didn't really want to talk about that part of the crime at trial, because there was no good explanation for the lack of DNA or blood on the property near Avery's house.