5 OUTRAGEOUS Scams That Have Become So Normalized, We Don't Even Notice Them Anymore
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- Опубліковано 3 лют 2024
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On an unrelated note, today is Levi's 12th birthday. All he wants is for you to hit the like button. 🐾 😘
Happy birthday, Levi! 🥳
omg, happy birthday, Levi! Give him ALL the pets!!!
HAPPY BIRTHDAY, LEVI! May you have many many more!
Happy birthday Levi!!!!
Happy birthday Levi! 🥳
My spouse and I used to go to a store to pick cards out for each other. Then we'd exchange them in the store and then put the cards back in their slots.
Look at the pretty flowers... smell the fragrant flowers, ...but don't buy them. love it!
We’ve done that too
I thought my wife and I were the only ones that did that. Nice Job!
We do this every Valentine's Day, and our anniversary! We find it hilarious🤣
We have been buying these cards for our whole 23 year relationship. I’ve saved them all. Now I have suggested to my husband that we just “shop” from the pile we already have. So far he’s not on board with this recycle idea.
“Shit yourself skinny”
Now that’s original
Favorite part of this video! 😂
🤣
Sounds like a name for a rock band.
in reality it would probably be shit yourself into dehydration and concerning lab results.
That was a Ron White schtick a while back. Never disappoints…..
I love this series, Nicole, great job! If you haven't already, how about exposing these 2 scams:
1) The outrageous cost of college textbooks.
2) Guilting people into overspending on engagement/wedding rings.
Keep up the good work!
AND the scam of university co-op’s buying back perfectly good textbooks for a ridiculously low FRACTION of what they originally sold them to you for - even if returned in pristine condition.
I agree! @Nicole, the entire wedding industry is one for the next episode. Top to bottom, how DeBeers has people convinced that they need to drop 3 months salary for a rock through to normalising the idea that its standard to drop 40K on one evening's entertainment.
Even the very idea of diamond engagement rings is a recent marketing scheme. They act as if women have always received diamond rings but it started with a marketing idea in the 1920's. Women did receive rings but it was seldom a diamond.
When I asked my fiance' what she thought of a CZ diamond on her ring, she said "I don't care papacito, it is only symbolic, I only care that our love is real".
I knew she was a keeper.
@@fathumanA lot of scratch to celebrate something that doesn't really exist. That thing is called "Love".
I lost weight. How? I could no longer afford to eat 3 meals a day.
I feel that. When I was in my early 20s and single I survived on beans and eggs and everyone was like "dang you look great".
I'm eating more Top Ramen noodles.
Nice to see Bidenomics working for someone.
Spam and crackers for all.
Same. I'm so frail and weak. One small meal a day if I remember. Ramen. Potatoes. Lentils. Rice. Beans. Eggs if I have any. About to be evicted because no one will help me with paperwork. And my brain just, can't anymore
I love this girl. I have been saying this shit for years and everyone just says I'm a grumpy old man now. That doesn't mean I'm wrong.
You don't even need to be old. My buddies and me are in the 40s. :D
I'll NEVER get sick of this series. This series is how I found your channel, and now I've seen every one of your videos, and I'm always excited for Sundays to get new ones.
Agreed! I love these!
They are addicting there so good!! I don't want the end to come like a kid 😂
I most definitely concur !!!!!! Yes, yes, and some more yes…. We love this series !!!!!
I noticed that when the site asks you about cookies, there is one button - “accept all”, but to refuse, you need to manually switch each one individually. Suffice it to say, I’m petty enough to turn off every one of them. 😂
I never click accept… some sites get really mad about it and it follows you around the site like a ghost. I’m unbothered. Want a VPN tho…
@@schuylergeery-zink1923 I always click accept because there's literally zero reason not to.
I block cookie notices with uBlock Origin with the "AdGuard/uBO - Cookie Notices"
Or it won’t show the content you are looking for
If a site asks me to accept cookies, I just back out, and look for my info elsewhere.
18:25 "The way that your credit score is calculated makes absolutely no sense at all"
It actually makes perfect sense...for the banking and credit card industries that set it up and strong arm everyone into having to use it.
I have a feeling it's for them a way to force people to use a credit card although the last thing they need is a credit card... the mere act of not having a credit card should give the bank a good feeling about how good you are with paying your bills in time...
@@marcdc6809 FICO came out of the Rothschild based empire linked to the World Wars and Zionism, rooted in economic beliefs linked to religious prejudices.
That was long before electronic banking or credit cards existed.
@@marcdc6809 How does not having a credit card equate to being able to pay bills on time? There is still plenty of ways to fuck up your credit even without the plastic. Pay day loans, those car shops that advertise "No credit, no problem". Those places have to often put people on collections even among their customers who came in with no credit history at all.
Credit score is designed to keep you in debt. I have absolutely no debt and horrible credit score because I don’t owe anyone money. Go figure 🤷🏻♀️
The most important thing to realise about credit scores is that a legitimate millionaire or even billionaire, someone who really does have the money it's not borrowed, could easily have a low credit score with the way the system works.
Once you understand that point, you realise how silly the whole thing really is.
On Mother's Day and Father's Day, I used to ask my dad, "That is not fair, how come there is no kid's day?" and he'd say "Every day is kid's day".
I think that’s the standard answer for parents along with, of course, because I said so, the other standard answer.
Every kid asked their parents that question. I sure did. And I received the same answer.😂 I had to grow up and start paying my own way in life before I realized why the answer was valid. Kids basically live under a socialist family unit model. They are completely dependent and think Mom and Dad are Santa Claus and that money grows on trees.
Sadly, many adults have never left this silly and ridiculous childhood view of economics behind - even after years of being out in the real world. Politicians recognize this yearning on the part of many adults to remain children forever - which is why they bribe them with government programs designed to buy votes in exchange for making voters dependent on socialist government programs for subsistence. That is another SCAM that should be on one of Nicole’s lists.
There is a Grandparents Day too, but no Aunt's Day or Uncle's Day. Hallmark is missing out on another big payday.
Isn’t 1 June kids day around where you are based?
@ Technically you are right. But I don't think people were aware of it when I was a kid.
"A holiday exists to sell you shit." I haven't heard it put this way before and it tickled my brain. Here's my example: Mother's Day. I appreciate the phone calls from my kids - free and I enjoy them on Mother's Day.
I have a whiplash injury from 47 years ago. A wise physician who broke her neck in medical school advised me to avoid surgery as long as possible. My chiropractor keeps me out of pain, insurance pays for it and he doesn't sell anything else. There are scammers in every industry. Not everyone is bad. I rarely hear of successful spinal surgeries. I'll stick with Chiropractic.
My sister has scoliosis and she swears by her chiropractor to alleviate the pain. My friend also loves her chiropractor. My dad tried it recently and said it was helpful - he’s 72 and in good health but there’s wear and tear on the body. I’ve never done it but I have gotten massages on a regular basis and it is HEAVEN. I feel so good after a massage (we hold a lot of stress in our body). Recently I decided to try Reiki along with a massage and minimally the guided meditation, singing bowls, and hands touching the body felt very good… as she worked on my energy (which I felt which I was like Nicole once and dismissed things like this as woo woo scams) I also felt some emotions and let go of some past pain. Regardless of whether there was something there (I felt tingling energy and the flow of it in myself) but even if that’s a placebo it was a very pleasant experience + the massage! To each their own. I love yoga and hot epsom salt essential oil baths for stress relief.
As I’ve been recovering from chronic EBV I’ve also read some of Andrew Weil MD “Spontaneous Healing” and “Spontaneous Happiness” and he’s a medical doctor who does NOT dismiss alternative/ancient medical practices. I think it’s hubris to think we know better, one thing or another. There are a lot of things which have not been properly studied and if people say anecdotally it helps them, as someone who loves the scientific method I say we should study it. Unfortunately too many medical studies are funded by the very pharma companies wanting to sell this or that. So it’s not that I’m anti-medicine or anti-vax necessarily… I’m just wary of people selling something. The chiropractor Dr Berg says eat healthy but also “buy my meds” and big pharma says “buy my medicine, take my vaccines” - everyone is trying to sell you something. Just be in discernment. :)
SAME❤
I agree with you. I was really sick for several years as a young teen. I had bile problems and was placed in the hospital for every kind of test imaginable... With no resolve. Until.. My aunt took me to her chiropractor and he fixed my out if align back and neck and I got better.
ran over by drunk driver; did not go to hospital; next mourning went to chiropractor; the couple who was with me went to emergency room; guess whose check was larger when insurance paid out six months later ? Nothing happened to drunk driver because he was one of those agenda boys club losers.
I love Nicole cause of the way she presents information, she talks on my vibe level and matches my energy. Oh and directness!!!
She is my girlfriend
I came to the same conclusion about a week before your video came out I told everyone I know ,
Do Not talk to me about holidays,
Every Day just be happy that you're alive
You, of all people should know that not all calories are created equal. The calorie in calorie out is another scam/myth.
The domestic consumer trackings system(s) is so widespread and extensive that when I hear another article about big bad Chinese companies such as TikTok tracking us and how we make laws against them, I dismiss such articles as being hypocritical; TikTok and its ilk are doing the same thing as FaceBook, Meta, Apple, and Amazon.
Yep, like nationalism - something or someone ‘foreign’ must be blamed, outside or within our borders.
Patriotism would perhaps be blaming our own corporate and financial “freedom”, before pointing fingers - or dangerously worse, weapons - at whatever we deem ‘foreign’…?
@@musiqtee The biggest cause of debt defaults are automobile loans, and the biggest portion of bankruptcies are medical bills. Last I looked, those were entirely US-based companies.
If you find yourself bored at some point, check out the US Senate hearings conducted last week, where senators were grilling the CEOs from all of the major social media platforms.
You'll notice a profound difference between what the CEO of TikTok (a Singaporean) was subjected to, compared with what was levied at the others. The extremely racist rhetoric was completely off the charts. It felt very much like RETVRN TO MCCARTHY'S RED SCARE TACTICS, and I hate it...
The company that owns TikTok is literally owned by people that manufacture killer viruses and run concentration camps. As evil as Apple and Amazon are, that is a whole other level of evil.
Your First "scam" is not a scam, just advertising and the evolution of it. Since the invention of radio then TV, advertising have been creating ways reach consumers.
The book "1984" talked about this "loss of privacy" and it is here. Accelerated by the personal computer and the smartphone
It's a scam in that in places where it appears you are searching for general information, the results are biased. Of course that is easily overcome if you are aware of it.
Credit scores, what a scam. I don't have a credit score, don't need one and won't do anything to get one. Always remember the financial world need you to survive but you don't need them. Not what you are being told.
Actually you do have a credit score, if you use a banking app you can find it on there! Hope you're having a good day 🙏
Oh trust me. They have a file and gave you a score. I don't use credit anymore either but they give scores not on credit use but on bank accounts (overdrafts count against you), bills you pay, jobs you work, ect.
I just checked my score, nope, no credit score. I used one of the three sights.
@@thecountrybunkins8896 Interesting...one time I tried to get a quote from AAA Auto Insurance and they said I didn't have a score with whatever agency they dealt with. So they wanted to charge an absolutely outrageous price for insurance. But I absolutely know I have a credit score since my prior insurance company had no problem finding it... it's a scam, just like this video said !
If you do care about a credit score, Credit Karma is a HUGE scam!
Quick-fix weight loss is indeed a scam. Nowadays, they also claim that certain foods affect your metabolism differently and they try to muddy up the waters of the calories in/calories out scenario. My recent trip to France was a real eye-opener. In the supermarket, there was very little canned or frozen food and an emphasis on fresh food like in the seafood section where they had whole freaking fish! Plus there are a whole lot more pedestrians on their way to shopping, bus stops, train stations, etc. In little sandwich restaurants they use what tastes like soda bread (no sugar) and different types of breading for chicken, fish etc. And you can tell the quality of the meat is better, especially with a kebob sandwich I ate near the St. Denis Cathedrale. Way less sugar in everything overall and way less processed food, and way less overweight or obese folks from what I could see.
Your 100% right about religion. God doesn't need a religion to do work on his behalf.
You're right about holidays but life would be bland without them. People can celebrate them without the commercial aspect.
I agree, I think it's important to keep yourself realistic and do things you actually enjoy to celebrate even if that's something odd to others, like grabbing sushi and going on a horseback ride. Whatever actually brings joy. I like exchanging gifts with my SO and closest circle but we buy or make stuff that is generally like $30 per person, $50 tops.
Wrong, holidays suck and are absolutely unnecessary for making sure life isn't bland!
@@MatthewTheWandererMaybe you're just not going to the right places or countries you know?
@@Zoe-dr5ps Why would that matter? I detest all large social gatherings. I hate temporary decorations and I loathe the consumerist aspects of holidays. I absolutely can't stand gift exchanges. The only thing I like about holidays is the food.
Also, you entirely missed the point of my comment, which was that life is NOT bland. It's exciting and interesting enough without holidays, which only make things worse for me.
But, holidays are torture for people like me, a social outcast who is also poverty stricken. I can't afford to travel!
@@MatthewTheWanderer Oh you meant holidays as in Christmas and stuff. I'm Irish I thought you meant going on holidays as in vacation. Apologies
More, more, more of this, keep 'em coming.
Can't search anything nowadays on the Internet without spam with ads of the stuff you've been searching about.
I have excellent credit as well but when I went to buy my condo my credit score was lowered because I didn’t have variety of credit. No car payment. No prior house payment, etc. Scam, total scam.
They ‘lowered’ your Credit Score because they wanted to give you a loan with a higher interest rate. That’s a big part of the scam: banks and other loan companies purposely can and do manipulate your ‘score’ to force people into higher interest rate loans, especially for home loans. Over the life of the loan, usually 30 years, even just a slightly higher interest rate on the loan means they make thousands and thousands of more dollars in interest.
I'm guessing to get a perfect score you need to get exactly to the point where your income is just enough to pay 100% of all your loans? and then never missing a single payment while eating grass and drinking rainwater... the perfect consumer...
Yeah, I have a decent score, but as I’ve never had a big purchase (I don’t drive, and rent from my dad) they count that against me. It’s called being responsible in my books not to get into debt that is crazy and long to repay…
I'm all for this keep the scam videos coming I don't get tired of this content.
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Pay your bill's and don't listen to the bullshit, 12 months a year Well said. Thanks Nicole
It depends on which chiropractor you find that works for you. I went to several who were just like you said. But I found the one and went to him for years and he saved me from taking medications.
Same here! Sometimes it those drs with medical degrees who scam you the worse and gets you set up for life on chemicals and pharmaceuticals!
*holding on to the edge* KEEP ROCKIN THAT BOAT CAPTAIN NICOLE!!!!
You never piss me off. I may disagree, however, it's on the fringes of your substantial point. The point is still, for the most part, solid.
I always learn something. Thank you!
We just take a picture of the "card" we would have bought if we were into spending stupid amounts of money on useless things.
Credit score is a euphemism for “love debt” score. Same as a public school teacher is a euphemism for “presenter”. Losing weight is a euphemism for “losing fat.” Losing fat is much harder than losing weight. Start calling things their real names and it will make perfect sense every time.
Hay Nicole, just an idea for another scam to add. Women's purses, $4000 for a purse?????
good idea! Same quality as a $90 leather purse usually and the types of bags that cost several grand are out of style by the time you receive them too.
The "Pink Tax."
At least it's not a necessity 😊
I told my mom about a $50 wallet I was looking at... she said yeah it looks nice but will you have any money to put in it when you buy it?
It depends, if u buy it to sell it later like channel and Hermes.. they go up in price.
I've never understood gift giving holidays. People spend a lot of time and effort pretending to like gifts they've been given, sending the signal that they'd be happy receiving this type of thing by the same person (or by witnesses) in the future
It’s a bloody ritual. The gift is expected, so the giver buys the damn thing…..and then the recipient knows that they are expected to smile and pretend to be delighted with the gift in order to gratify the giver, and so - like a woman’s orgasm - they fake it.
Rinse and repeat every year. Ugh.
No wonder “re-gifting” became “a thing.”
I always give a gift receipt.
It is 100% marketing to get people's $.
It's part of that bread and circus that keep humans going on without questioning things. A little bogus holiday to celebrate something meant to inspire you...one after the other, going on all year long with seasonal themes. This helps to define what you see as a community with common shared values. You've been programmed to believe in a history that isn't. You'd think that after many many many millenniums, humans would have evolved as a whole. Maybe we would question things a bit more if we called this the year 57 000 or whatever instead of it being ''2024''...as if we only have 2k years of history.
I LOVE your haircut!! And NO!! Never sick of this series, Sis! 💜🤗💜
Nicole's bangs are so perfect here
I wonder what Her opinion on going to Salons for Haircuts etc.
@seltzermint5
When I was a child, my mom took me with her to her chiropractor appointment to see how it works. The chiropractor, who was married and knew my mom was married, relentlessly flirted with her in front of me the entire time. It was super uncomfortable.
definitely weird but any type of doctor can do that including 'real' docs. I had an optometrist ask me out, knowing we were both married. Yuck.
OMG did your mom and my mom use the same chiropractor? No probably not. They’re just mostly all sleazeballs.
Very unethical for any “health practitioner” of any type to hit on their patients. No stinking morals anymore…
He was probably just being personable and nice in order to keep your mother as a patient & keep her coming back.
There are flirtatious, predatory sleazeballs in all kinds of industries and professions. There are, thank goodness, plenty of honest, hardworking professional in every industry as well.
Just wanted to comment on a point you made with chiropractors, something like “if they could heal you why would you need to keep going for years?”
As someone who has severe chronic pain I think you’re missing those of us who are looking for chronic pain maintenance-I get a lot of massages for instance to help with my issues (I need very knowledgeable people to work on my knees for instance, can’t just walk into any masseuse) but I would never assume that if I get enough massages then I wouldn’t need them anymore-that’s just not the reality of my deformed body 😅
I used to go to chiropractors and similarly I was looking for maintenance relief more than a cure; there are many of us with chronic health conditions that will never go away no matter what we do but there’s no reason we shouldn’t seek relief 💛
The ONLY holiday "day" I celebrate is Buy Nothing Day (Day after US Thanksgiving)
Great points, as always! Don't even get me started about how once one holiday is over, everything is switched out in stores for the next holiday. Christmas music in stores comes earlier each year to get people thinking about spending even more for the holidays (I know this personally as I worked for TJ Maxx for 7 years and saw this happening over time).
Agreed with the weight loss stuff. There’s one thing that these weight loss companies skip over. That is, for women, weight gain is almost always attached to hormone levels. That’s why the diet programs don’t work, because no one addresses the root cause, hormone imbalance. Basically weight is linked to two hormones, cortisol levels and estrogen levels. I’ve been fighting weight issues for many years ( since I quit smoking years ago). Yes, it’s partially attached to me replacing a smoking addiction with food ( given the choice I’d rather be alive and fat from food than dead from smoking). Also I worked a very high stress job, and under stress cortisol levels increase making weight loss difficult without lowering stress levels. But my weight issues became really out of control after a hysterectomy where they took out ovaries too. There went my estrogen levels dropping. None of the doctors suggested estrogen replacement, and none of the doctors ever explained that low estrogen would have effects on my body, including weight gain. Just another time our medical community is dropping the ball with insufficient advice!
I believed in all of that too, until I got honest about my calorie intake.
Great series, I do hope you'll keep it going.
I agree with you about holidays! I like getting together with family, but why are we expected to constantly hand out presents!?
Your content is great and useful. I like your mindset and the way you explain things. Greetings from the Czech Republic.
Instead of getting each other gifts on holidays, my husband and I save that money and put it towards travelling instead.
Life experiences last forever. Flowers die, cards end up in the trash or a scrapbook nobody cares about.
Where are you going next?
@@jackdeniston59 Germany :)
Love this series! And man who started chiropractic said he got info from a ghost.
Keep it coming with this series!!!
Chiropractor . Acupuncture. Went to both for over a year, very expensive, did not help me at all. Visited a Rheumatologist , within 2 minutes he diagnosed me, Arthritis. Why did the Chiropractor not see the obvious, my arthritis , needed to scam my money.
Because a rheumatologist is a doctor. A chiropractor is not.
If you want to lose weight and inflammation, cut out sugar, exercise and be amazed! Chiropractors have helped me and while there are many naysayers and chiropractors who are in a franchise are definitely a scam and I always told any Chiropractor I went to, to not touch my neck, lol. That being said, IMHO a good Chiropractor can help relieve pain as well as a physical therapist.
Go on a Carnivore Diet, friend, and watch your arthritis pain go away….completely. Mine did in less than a month.
I love the idea of a once a year celebration, my daughter was almost crying the other day trying to buy for birthdays for friends, her and her boyfriend's anniversary, his birthday, valentine's day, her friends baby showers etc. Ridiculous, I feel for her but "c'mon shelley" 😅
15:00 You forgot about SuperBowl Sunday!
Next video😊
Nicole, you are a priceless resource and great human being!
Agreed on Credit scores as a scam. I was just notified mine dropped 40 points. I haven’t been doing anything differently. The only change is I was notified by a store credit card company that they were closing my account because I haven’t used their credit card in over 4 years. What a scam!
I enjoy this series. Keep it going! 👍🏻
For me, I have had a bad back caused by childhood injuries. "Got to love the dangers of childhood" My dad would exclaim to "get over it" as I grew up, gritting my teeth every time
I would get pinched nerves...etc. Finally, a work friend had a fantastic Chiro that realigned my back.... I also went to the gym with a great old school body builder. In all, back strengthening exercises and a good Chiropractor care has worked wonders in making me more mobile, after years of constant nagging pain. But agree, some nutty stuff out there.
Nicole is a marketing genius
Another reason credit scores don't makes sense is medical bills can seriously fuck up your credit. Imagine if you get in a wreck, go to the hospital, and a year later you can't even get an apartment just because you didn't have $15,000 sitting around just in case you go to the hospital at the ripe age of 19.
You're so hilarious Nicole. I mean it positively 😊
Also, if you have high credit limits, no debt, but you don't use that credit, that will negatively affect your credit score.
Rigged system indeed.
Ok that’s not true, it’s always how much available to you and how you do use it. It was never rigged, it’s just a point system. Financial picture to track all your credits and based on creditworthiness if they lend.
@@RaquelJoYT Okay... Let me rephrase.... In the US, not making credit purchases after a long period of time negatively affects a person's credit score because the credit unions can't track your purchases or your payment habits. Also, In the US, paying off any debt to quickly, especially large debt, will not benefit your score in any way, whatsoever. I don't know how it is in other countries, but I've been stuck at 785 for the last ten years, even though I haven't missed any payments since 2005. Explain that to me.
The frugal Haitian Canadian in me is looking at family members heavily indebted in Massachusetts. They keep borrowing against their mortgage. Something Ontario home owners know not to do. Oh well.
Just when you think there couldn’t be another scam and bam 💥 Nicole hits it out of the ball park. So true on every account. What our world needs more than ever is some common sense. I laugh at the term Happy Holidays at Christmas time, because this really is an account of the entire year. And with the credit score scam I’m penalized because I pay off debt quickly. My credit age needs work because I don’t keep my debt revolving for years on end. These things just make me shake my head. Keep up the good work Nicole.
Please continue with these videos, Nicole!
Love your scam vids Nicole
Happy of happiest Bdays Levi!! 🐾🐾♥️🎂🎉🦴🦴
Girl, I love your use of South Park and the Simpsons.. so iconic! Love your videos.. gonna need you to work in some Bob’s Burgers 😂😂
Yes. the only statement which is always true on the internet is WE VALUE YOUR PRIVACY.
I'll never be sick of your excellent series. It's amazing how many scams are out there and thank you for ripping up the carpet to see what's underneath.
I connected with the weight loss point. I've lost a lot of weight by doing periods of fasting while eating more healthily. Fasting is not talked about much by companies because there is no profit in that because fasting is the most free thing there is.
Keep them coming.
It is scary how much I agree with you!
Let’s put it that way our whole “nowadays lifestyle”is one big scam
I am so thankful for you to have the courage the make such content that many are afraid of making thank you so much, love your channel
I really enjoy these series. Keep them coming. I don't agree with everything, but am interested to see what else you can come up with. I actually have one for you: how about youtubers pushing products they never have actually used themselves? I guess, we all have to eat.
We have no idea how lucky we are in the United States to have fixed rate mortgages. You get a 3% 20yr Mortgage, that's what its going to be until your home is paid off despite what the market is. Not many other countries have that.
I was floored when Nicole mentioned how Canada works in a previous video 😭 we have a 6% bc we closed Oct 2022. We may refinance when rates go down or we’ll just pay it off early. But at least it will never go up! Our rent went up $100 per month every year and it was getting crazy.
Indeed, most countries don't.
I was raised surrounded by physical therapists and occupational therapists so I got blasted with anti-chiropractor rhetoric from day one. Never been, don't plan to.
I remember when I paid off my car, my credit score actually dropped by around 60 points. I had never missed a payment, in fact I paid off the car early. I was told that my credit was negatively affected because it counted as a closed account. Also, the drop was only temporary, but that makes even less sense. You would think that paying off a major purchase, like a car, and never being late on a payment would prove to a bank that you are trustworthy and reliable. However, the temporary drop in my credit score seemed to send the opposite message. So I totally agree that credit scores are a scam. It's like buying a video game that penalizes you for playing the game and gives you a higher score the less time you actually play.
Maaaaate, as soon as she said data brokers I knew what was coming 😑.
I paid off my mortgage and my credit score went down.
Years ago I paid off my mortgage and the bank actually tried their hardest to talk me into not paying it off. Obviously, they were going to lose a lot of money in interest payments.
@@bonriver9420 I hope you told the bank to kindly phuck right off!
It's actually a debt repayment ability score. Just with a more acceptable label.
Talking about holidays - school breaks every 8-9 weeks here in Europe. Parents don’t have nearly as many holidays and for smaller kids they are forced to pay for camps, daycare, or take their leave. These breaks are very expensive and unnecessary. And so normalized, I am being talked off as a bad mother if I say anything
In my opinion, I can deal with these 5 holidays: Easter, Independence Day, Thanksgiving, Christmas and New Years. Everything else, they can take back.
You're correct about credit scores. Paying off a house causes a credit score to drop 17-20 points!
Yeah, my score fell 20 points for laying off my car loan.
Yep, I paid off my house and my credit score dropped 20 points.
Mine actually dropped 30 points when I paid off my mortgage.
My son literally had no credit score at all even though he rented an apartment and paid utilities for a couple of years (none of that was ever reported). He had to sign up for the special programs to get them to take his utility payments into account to build it. (He doesn't have a credit card or a loan).
@@paulconner4614 I added my oldest son as an authorized user to one of my cards before college. It was useful when he tried to rent his first apartment as they ran a credit check.
I love your raw honesty on these topics! Keep bringing it and help people start waking up hopefully.
I find it rather humorous that there is a Simpson's clip to back up almost all of the valid points made by you, Nicole. Humorous and a bit frightening, in the fact that all these things are still so prevalent in our society while having being exposed since, at least, the 90s. Mind boggling how much our populace has lost the ability to think independently and critically. ✌️
I really enjoy this series. Also, I like your personality.
Fabulous... Thank you Jebuus for Nicole and Levi!!
Jeeeeebus
They know your habits better than you do. For example, Allstate figured out which of its auto insurance customers were not likely to shop around, and used that data point to jack up their premiums by up to $1500 a year knowing they wouldn't leave. Nice.
A chiropractor fixed a sciatic discomfort in my leg for me with limited intentional visits when I was around 40.
Love this series.
I like to hear Your opinion on various topics. I'm happy about the new video and I appreciate Your work! I'm staying with You for a long time, I wish you a beautiful day!
I greet You warmly! A Polish living in the Netherlands ⭐
If I can't do a "reject" on the cookies option, I will just leave the website. It's not worth it for me to go any further.
Love your rants, keep doing what you do, I wouldn't change a thing 💋
one of those data brokers (which you showed in the John Oliver clip), had my borrowing record, and it was way off - one of my loans had been triple recorded. I jumped up and down loudly to get it corrected - very enlightening, also very worrying.
involuntarliy allowing them to lower my CREDITWORTHINESS by not correcting the data? You dont know much do you? @@jdelarunz
Keep them coming young lady! Love your videos. 😊
Please keep doing these. Everything that you have pointed out, I have been saying were scams for years when they would rear their ugly heads into our lives. Keep them coming! ❤️❤️
The mark-up on medicine at the Veterinary Clinic !!!
Do kids birthday parties next. When I was a kid most parties were at home, there was only one I remember that was at a venue. Now my own kids are being invited to parties, only one has been at the kid's house and even that one had hired a petting zoo to come and entertain the kids.
I would say this is more about social media than anything else. Social media has turned everything into a public competition so people feel the need to outdo everyone else at every possible opportunity, regardless of whether it’s practical, necessary or even affordable to them.
Everyone is going poor trying to convince others that they aren’t poor.
Look at what people spend on birthday cakes now. Hundreds of dollars for an elaborate custom cake for kid too young to even understand or remember. The days of homemade or grocery store cakes are gone. 🤦🏼♀️
I know someone whose 8 yr old daughter had a birthday party at a HOTEL (kids spending the night there and swimming etc), late night snack of fraps from Starbucks, and all of them got bell bottom jeans as party favors (?!) that cost 40 dollars per pair. I saw a photo of the cake which was insane and probably $200 by itself... None of that seems remotely necessary to me. What will that kid expect for turning 9? A jet?! haha
Nicole's right about social media playing into it. A friend of mine took her 11 yr old son and his friends to a movie and pizza buffet and it was under $200 for a great party...cake came from the grocery store & was great.
@@seltzermint5as a kid of the nineties and early 2000s, birthday parties were snacks, if lucky pizza, and a movie rental from blockbuster! Probably less than $50 total. Probably out of a group of 10 friends would one have a birthday party at say McDonald’s or a movie theatre.
Couldn’t click fast enough, love these vids!
The few chiropractors I tried for my back trouble always insisted on performing a certain very forceful back-twist thing that I always expressed doubt about but they plowed through and every time the procedure would cause days of pain. These visits were many years apart so I would have forgotten the previous visit details until after the visit and I recalled the previous experiences.
As usual an excellent job. Thanks for the video.
I completely agree with the made up Holidays opinion. I am tired of all the celebrations that have to happen almost every month. Take Valentine's day for instance. It used to be for people in love (couples), then it transitioned to also celebrate friendships and now, it has to include even your own children! Why?... makes no sense. I work at a school and since kindergarten, these children are being taught that almost every celebration has to include some sort of tiny toy or trinket from teachers and parents. I am glad I had none of that when my kids were little more than 10 years ago.
Dam Nicole how many scams are there?No i will never be sick of this but you just keep going and going
Great job 👏👏 I love 💕 your insight on these topics. Keep them coming 😊
So glad the algorithm sent you my way! A few of your comments, delivered so sardonically, had me cracking up (particularly your dry "who gives a shit about the Queen?"). Just subbed and am looking forward to checking out more of your content. Cheers!
Awesome as always. Thanks Nicole.
Well said