The world of finance is a constant gamble. Algorithms change, dows drops, stocks pivot.... it's a never ending game, more intense and bloody than Game of Thrones and a 007 film. That's why its so important to find and listen to the people who become experts in this field. So why do so many of us gamble with our coins based on our own thoughts? Or intuitions? Especially since most of us never got past Algebra II.Redditor u/weekendbrainsurgeon wanted to hear from those in finance field about bad decisions they've witnessed that we all should never try by asking.... Bankers, Accountants, Financial Professionals, and Insurance Agents of reddit, What's the worst financial decision you've seen a client make?
Tilray Downmickey mouse smh GIF by ABC Network Giphy
I had a client in her 70s put her whole savings in Tilray stock.
Tilray at the time was trading above 150 per share. I told her it was a terrible idea to put all of her savings in one investment but she told me I was wrong. She argued with me for a good 15 minutes until I relented and said okay, it's your money. So she put 300k into Tilray.
Couple weeks later it starts dropping, I call her and get no answer. It's sitting at 6 dollars a share now, her account is down to about 12k. Last time I spoke with her I took no pleasure in telling her she's no longer my client.
The Truth is Out
Had a client who was extremely wealthy about eight years ago tell us he was no longer going to use our services. Last year we get an extremely angry phone call from his wife asking us why we haven't been filing their taxes. We showed her the paperwork where her husband said he was no longer going to use our services. And then crap hit the fan. This dude apparently just decided he wasn't going to pay taxes anymore and didn't file a return for eight years and had been lying to his wife.
They were rich and owed almost 1.4 million dollars in taxes not including interest and penalties. And oh yeah they got absolutely fried by the IRS. If you are in a relationship with someone you need to be involved in financial decisions. Never let one party handle all of the money and make all of the decisions. That is how bad things happen in both business and in relationships.
I had a client Buy numismatic gold coins with an entire retirement account. She bought 266k worth of coins at almost double the price of bullion. I got the gold salesman on the phone and asked him to justify the reasoning and I he said it was because the dollar was paper money and worth nothing and that gold was going to go to 10000 a coin. I asked him what he exchanged this gold for and he said "well she paid me dollars". Then I said "why would you accept a worthless currency for your rapidly appreciating gold currency?" He cursed at me and hung up and said I didn't know what I was talking about.
I still haven't met a gold salesman that can answer this. Their whole pitch is that the dollar isn't worth anything but they happily take them in exchange for gold coins. The whole thing is crap. Poor lady. She can't sell them now even with gold bullion as high as it is for anything close to what she bought them for.
I am a fully registered advisor just to disclose.
600 DownTea Smh GIF by moodman Giphy
Not my client.
Saw a guy invest about 600k in a start-up. He confirmed in the 1.5 pages agreement that he was fully informed about everything going on.
Please if you invest in that size, ask a lawyer to at least review the agreement.
Needless to say, said guy's net worth is 600k less now.
The Accountants Know
If you're a small business owner and your business provides you with even a remotely significant amount of income, then get a separate bank account for your business income and expenses and never, never, never commingle your accounts. If you find that you need to make a business payment and you don't have that money in your business account but you do in your personal, then write it down in your books as money that you give the business that then gets spent on the business expense. Likewise, if you want to use your business income, pay yourself a wage or a 'dividend'. The moment you cross your accounts is the moment that you put yourself into tremendous financial paperwork frustrations.
The Lotto Scam
Former manager at a credit union. One seemingly smart lady in her 70s got one of those lottery scam letters saying she won, but needed to send them money to process her winnings. They kept getting her to send more and more money. We were telling her it was a scam from day 1, but we couldn't stop her.
She burned through her IRA which had about 200k. Took out a loan against her paid off house for another 200k. Sold her jewelry. Probably paid out 500k total before finally realizing.
We truly did everything we could. Got her family involved. Several of us would confront her every time she came in and would plead with her to stop.
It was sad but at some point you have to cut your losses and realize it's a scam.
Edit: I was the assistant manager at that point. We brought our risk management department and other higher ups in but they wouldn't close her account.
The whole 500k was not with us. We had no idea about the loan, jewelry and some money in other accounts that she gave out until after it was all over.
She even thanked us later on and wishes she listened to us.
I've made money with both stocks and options but I get on r/wallstreetbets sometimes to see how tf someone can go tits up so easily and omg.... "I have $50,000 in my account, let me throw 100% of that on Amazon puts that expire Friday." Ive also seen people who pull in $1m in their first year and try to tell everyone else how to trade. That's like me hitting it big on a slot machine and then pretending to be an expert.
Chose HULUcindy brady smh GIF by HULU Giphy
Using ALL of his "retirement" and daughters college tuition to short Netflix. He lost over a million dollars.
Best friend is a CPA, and when he had his own practice, he had some pretty big-name clients (Senators, musicians, pro athletes, etc.) One of the biggest mistakes people made were thinking they were smarter than an accountant. His biggest challenge were the people who heard about the "sovereign citizen" nonsense. To no one's surprise, a random guy on YouTube doesn't know more than an actual CPA with 40+ years experience. At least a few of these new-found "sovereign citizens" ended up doing time for tax evasion.
Just Exerciseworking out richard simmons GIF Giphy
A private company announced a special dividend to all shareholders as of date of record one-month in the future. $1.30/share dividend.
There was an option holder with 300,000 options at a $0.10 strike price.
He did not exercise them. Had he exercised his options for $30,000, he would have been paid $390,000 the following month.
Not an accountant but I used to do Social Work that included some budget coaching. I was going over one family's monthly budget and trying to figure out how they were going to rearrange so they could pay the subsidized $10 copay for court ordered counseling that would make or break them keeping custody of their children. Now, budget was a little tight because only the dad worked. But he was making just under double what I made for helping them with the budget. And they were living in a gross trailer park where they paid next to nothing for rent.
And this was a step up from the gross motel room they had been living in before. And when I was nicely chewing them out for missing a counseling session, they were all too happy to explain the problem. Which, of course, was dad got paid on Thursdays (weekly) and the Counselor had them scheduled for Tuesdays (weekly.) So, there was no way they would have the $10 left to pay the Counselor on Tuesday.
The solution to this was they had to start driving across town to pay the Counselor on payday, and then drive to their (already paid for) session 5 days later. I was just getting my mind wrapped around this concept, when the mom called me all excited. She had fixed their financial problems. She refinanced their (POS 12+ year old) car. And she was so excited to tell me that instead of paying $385 a month, their new payments were only $115 a week. I still have no words.
Send in the Cars
I've seen people finance cars at over 30% interest. paying $500/mo for a 8-year old mustang, and will end up paying well over 2x the cars value, assuming they pay the loan off.
Edit: since this kinda blew up, here's a PSA for all the active duty (American) military people - any loan you took out prior to either enlistment or deployment is eligible to have the rate reduced to either 6.99 or 7.99% (google it before you call your bank, as it's been a couple years and laws change.) all you have to do is call your creditor and provide them with your orders and they have to reduce the rate, even retroactively, to the date you deployed (or enlisted.. again, google it).
Idiots.idiots GIF Giphy
- The client who joined an MLM and racked up half a million dollars worth of losses before finally listening to us and quitting.
- The client who spent $40k on Farmville over 3 months.
- The clients who give their adult children allowances that exceed my salary, fancy cars, and houses without expecting them to ever hold down a job themselves. vwh808
Payroll accountant. I used to work for a company with an actuarial Department. There was a lovely young woman working in the call center with a masters degree in data science. She was constantly talking about how frustrated she was with making $16/hour in a call center when she had a masters degree in data science, yet no matter how many times I told her to apply to the actuarial team she wouldn't do so.
The actuarial team was HUGE about promoting within. I saw many people who wanted to learn more about what they do who had no experience whatsoever get excepted into the team because they wanted to learn. This girl was a shoo-in. And yet she never even tried despite the fact that there were always openings. She also shared with me that she was $180k in debt for that master's degree. Last time I checked in with her she had left the job completely and is now in school for art. (Insert facepalm emoji here.)
But my favorite was before I was even an accountant. I worked for a small CPA firm as a receptionist during tax time. I saw a full-grown woman sit down on the floor and start crying because she owed $900 in taxes that year when she had made about $150k that year. I rolled my eyes so hard that I hurt myself. Later that day I had a guy who owed $750k to the IRS and said "woohoo! That's way less than last year!"
The Lost Seat
Watched a client walk out of my office after I explained the risk in liquidating his 401K to start his own business. He started it with no management experience or business model, real "fly by the seat of his pants" kinda guy. Wanted to start a career flipping houses in a college town, turn them into upscale rentals. Did it in a bad neighborhood and lost EVERYTHING.
I'm a CPA and had a client whose business was going under. He started taking out payday loans on his own salary to pay his staff. When it gets this bad with no end in sight, time to reduce staff.
Also in r/accounting someone posted about wanting to file bankruptcy over $900 in credit card debt. This person was about to graduate college with an accounting degree and would have been making $50k starting out.
We all thought he was trolling us, but somehow ended up coming off as a legitimate situation. Who wants to hire a bankrupt accountant which shows up in background searches?!?!
Simple....Feeling Dumb Jim Carrey GIF Giphy
Probably not the worst, but one of the more perplexingly common...
Making over $250k (sometimes WELL over), no withholding, not paying estimated taxes throughout the year, can't afford the tax bill with the return EVERY YEAR, then complaining because they can't afford the installment payments on the taxes they owe from two years ago.
Moron, sell your gaudy, gross McMansion, take your teenage daughter's credit card away, let your drunk driving son stay in jail and get a public defender, and tell your horrible wife to stop spending all day at the tennis courts sipping mimosas. Get your mess together and pay taxes throughout the year like the rest of us. You aren't being persecuted by the IRS, you're just an idiot.
Don't Spend It!
I work for a bank. One of our branches had a customer who was basically homeless. Then, he wins the lottery! Over the next few months, the staff watched him come in to withdraw thousands of dollars every day to spend on extravagances. Everyone tried to convince him to sit with a financial advisor to help him make the most of his money. Less than a year later, he's in slightly better shape than when he started; he's at least able to live in the car he bought.
What I've seen, countless times, is someone who started a business with ZERO research, no understanding of what running a business involves. (Here's a hint: practically every business involves paperwork and deadlines.). The business models come in waves... for awhile it was Barbecue shacks, then it was cupcakes, then house flippers, then food trucks. I think they see it being done on TV shows that make it look fun. It isn't fun when they come to me with debt, tax levies and lawsuits.
IRS and state labor department and health department on their backs, and suppliers taking them to court for unpaid bills. Some of them cashed out their retirement account to buy a business; others put their house up as collateral for an SBA loan. it's a nightmare. If they had come to an accountant first, we might be able to help them (or even better, dissuade then). I usually see them after 18-24 months of screw-ups and by then it's usually too late to rescue them.
ATM Issuesmake it rain loop GIF by Chris Timmons Giphy
Banker. Banks charge fees for using other bank's ATMs.
I had a customer that would check his balance and then do withdrawals daily at a foreign ATM. Guy did not have a lot of money to begin with and because he did this, would overdraw his account and get slapped with an overdraft fee which put him in the hole further. We ended up taking away his ability to overdraw his account. Dude was pissed, but it helped right the ship a little.
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There are few things more satisfying than a crisp $20 bill. Well, maybe a crisp $100 bill.
But twenty big ones can get you pretty far nonetheless.
Whether it's tucked firmly in a birthday card, passing from hand to hand after a knee-jerk sports bet, or going toward a useful tool, the old twenty dollar bill has been used for countless purposes.
Breaking Even<p>"I got a jacket and a pair of jeans at goodwill for about $20. My first time wearing the jacket I found a tiny zipper inside a pocket."</p><p>"There was a secret inner pocket with a twenty in it."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpdv70q?utm_source=share&utm_medium=web2x&context=3" target="_blank">TheBrontosaurus</a></p>
Keeps On Giving<p>"23 Years ago I was in the US for some work and was not prepared for the cold of Chicago. Went to wal-mart and bought myself a cheap, warm jacket."</p><p>"I'm wearing that jacket right now - still looks fine, still keeps me warm."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpe41xv?utm_source=share&utm_medium=web2x&context=3" target="_blank">TastyEnd</a></p>
As Good As They Come<p>"Wool pinstripe double breasted suit from Goodwill, fit perfectly and was brand new. Ended up wearing it to get married the next year." -- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpdw6mx?utm_source=share&utm_medium=web2x&context=3" target="_blank">verminiusrex</a></p><p style="margin-left: 20px;">"God I love Goodwill!!" -- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpe5aee?utm_source=share&utm_medium=web2x&context=3" target="_blank">Neverthelilacqueen</a></p>
The Socks She Needed<p>"I work at a thrift shop. A homeless lady came in and asked us where the socks were. We only sell new socks, so I directed her towards the new socks and she was... shocked and disappointed by the price tag, surely."<br></p><p>"I gave her a moment as she looked, and she moved to some kids' socks and picked them up, and I... just couldn't let that happen. I told her that I would help her, and told her to get herself some socks and a jacket."</p><p>"She kind of just... held out the children's socks, so I took them, put them back, and grabbed the extra fluffy socks that were hanging."</p><p>"She grabs a jacket and some pants, and I pay for it. My coworker looks the other way since we're not supposed to purchase anything while on the clock. The lady is in tears as she walks out."</p><p>"I notice that she's still outside a minute later putting them on, and ask her if they fit her or if she needed something else; and she told me they were perfect and proceeded to cry. I cried in return."</p><p>"It was a good day."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpen3w1?utm_source=share&utm_medium=web2x&context=3" target="_blank">Snowodin</a></p>
Not Forgotten<p>"A guy came into my work when I managed a mom and pop Pizza Place. He said he was stranded with no phone, and no money, but that the people at the Verizon store next door to us said they could get him a cheap phone with some minutes on it for 20 bucks."</p><p>"He offered to do dishes for a few hours to make some money so he could get this phone. I told him not to worry about it and gave him a 20 from my wallet. He thanked me, asked me for my name, and then he left and I never saw him again."</p><p>"Skip forward about 5 months, and when I get into work the owner was there and said she had gotten a letter addressed to me. 'Weird,' I thought."</p><p>"But when I opened it there was a 50 dollar bill and a short note from the guy I gave 20 dollars to thanking me for my kindness and for not turning him away."</p><p>"Turns out he was in a bad way (addicted to hard drugs and homeless) and really was stranded there. He was trying to get a phone so he could contact his parents (who lived in another state) for help."</p><p>"From what it sounded like, he seemed to really turn his life around. He was clean and working a stable job while still living with his parents."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpem2xc?utm_source=share&utm_medium=web2x&context=3" target="_blank">Mixmaster-McGuire</a></p>
The Best Finale<p>"It was the day before payday. My wife came to see me at work. My break was in an hour, so I asked for her to wait a bit, so we could enjoy it together. She did."</p><p>"I bought her some lunch, because it was what I could afford. I bought her a ham and cheese sub sandwich and two iced teas. These were her favorite. I bought gas with the rest of the twenty so she could get home. She dropped me back off at work."</p><p>"That night, she passed away. It brings me comfort to know that I bought her favorite sandwich and drink for her that afternoon. It was likely the last thing she ate, since it was near dinner. I'll never forget it. Best $20 I ever spent, because it was for her."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpe9c6d?utm_source=share&utm_medium=web2x&context=3" target="_blank">LollipopDreamscape</a></p>
Leaning Into the Nerdery<p>"It was my ninth or tenth birthday. My grandparents gave me $20. The first $20 bill I ever held in my hand! I knew exactly what I wanted to do with it."</p><p>"A week later, we went into the city and Toys R Us. I went straight to the Transformers aisle. And there he was. My favourite Transformer. The one I always wanted...Soundwave."</p><p>"He's the one who turned into a Walkman and he could eject cassettes that turned into robot animals. The price tag said $19.99. It was meant to be."</p><p>"I took Soundwave to the clerk and gave her my $20 bill. "And here's your change!" she said, as she gave me a single penny."</p><p>"Ah, Soundwave. The best friend a lonely little nerd could have."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpdzzxe?utm_source=share&utm_medium=web2x&context=3" target="_blank">originalchaosinabox</a></p>
Different Time<p>"I went to a Rush concert in 1982. The ticket was $9.50 and the t-shirt was $10." -- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpdyr0k?utm_source=share&utm_medium=web2x&context=3" target="_blank">PaulsRedditUsername</a></p>
Motivational Spending<p>"My then six year old niece had a loose tooth she loved to show off and had resisted pulling out for two weeks. We were all at my parents and I was getting ready to leave, I pulled out a $20 and said 'I'll give you this right now if you pull out your tooth.' "</p><p>"She was already crying because her little sister had did something so when she ran into the bathroom none of us had no idea in what she was about to do."</p><p>"So she comes out crying still, but a little bit of blood I'm her mouth because of course, she pulled out her tooth. But the now removed tooth fell down the drain to the sink and she was crying because she lost her proof!"</p><p>"After she calmed down she was happy as a clam with a brand new $20 and everyone was quite proud of her. My sister told me she spent it on candy and shared with her little sister."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpdxi4k?utm_source=share&utm_medium=web2x&context=3" target="_blank">themasimumdorkus</a></p>
For the Story<p>"It was actually to a scammer in Rome. There was this guy right outside of Colosseum who started tying strings around my wrist and told me to make a wish. I knew it was going to cost but I thought what the hell, last day in Rome so might as well go with it. </p><p>"My wish was to find love."</p><p>"I spent rest of the day getting lost in the city and stumbled across two weddings and one baptism ceremony. So I did find love, just not for myself."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lvu5aq/whats_the_best_20_you_ever_spent/gpe7b2w?utm_source=share&utm_medium=web2x&context=3" target="_blank">FatalFinn</a></p>
I realize that school safety has been severely compromised and has been under dire scrutiny over the past decade and of course, it should be. And when I was a student, my safety was one of my greatest priorities but, some implemented rules under the guise of "safety" were and are... just plain ludicrous. Like who thinks up some of these ideas?Redditor u/Animeking1108 wanted to discuss how the education system has ideas that sometimes are just more a pain in the butt than a daily enhancement... What was the dumbest rule your school enforced?
Don't Peek<img lazy-loadable="true" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8yNTcxNDc4OS9vcmlnaW4uZ2lmIiwiZXhwaXJlc19hdCI6MTYzNDE0Mzc2OH0.Y1Lzy1MTqxyVqOCe9xjeHTRZsKnbyVjYzdb4-Heldyo/img.gif?width=980" id="78b19" class="rm-shortcode" data-rm-shortcode-id="e14a90be026b734830e7661f776ba4a8" data-rm-shortcode-name="rebelmouse-image" data-width="475" data-height="475" />schitts creek wtf GIF by CBCGiphy<p>Took all the doors off the men's room bathroom stalls because of vandalism for 2 months.</p><p><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gphrfce?utm_source=share&utm_medium=web2x&context=3" target="_blank"> Endless_Vanity</a><a href="https://www.reddit.com/user/Endless_Vanity/" target="_blank"></a></p>
Scanned<p>School added thumb print scanners at gates of school which counted as registration - needless to say I would just walk to school scan my thumb and walk back home with them none the wiser. Was a great few months until they noticed. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gpidnou?utm_source=share&utm_medium=web2x&context=3" target="_blank">richpianofan5</a></p>
Age of Empires...<p>Conservative Christian College. A group of us played Age of Empires one weekend. They didn't like it and called a meeting. Everyone involved got misdemeanors on their records. There was nothing in the handbook about it being against the rules. The only person that didn't get any punishment was the son of the president even though he was just as involved as the rest of us. <span></span></p>
"Genius"<p>In my freshman year of high school we had a terrible vandalism problem, the bathrooms would be broken in various ways almost constantly. In a stroke of pure genius, the staff decided that any bathroom that was vandalized would be closed for the week on first offense, the quarter for second, and permanently on the third offense.</p><p>They took back the rule after closing every bathroom on day one. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gpi77co?utm_source=share&utm_medium=web2x&context=3" target="_blank"> Samus388</a><a href="https://www.reddit.com/user/Samus388/" target="_blank"></a></p>
Is this Footloose?<img lazy-loadable="true" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8yNTcxNDc5Ny9vcmlnaW4uZ2lmIiwiZXhwaXJlc19hdCI6MTYzMzg0MjU2M30.PeBUt-YWZeeRStaD_RZlGPQzo29E9t733yqZbIiJlYs/img.gif?width=980" id="3a5bd" class="rm-shortcode" data-rm-shortcode-id="102730e3b1b90ba9cb393561c702c9af" data-rm-shortcode-name="rebelmouse-image" data-width="500" data-height="500" />kevin bacon dancing GIF by STARZGiphy<p>Prom was a mandatory lockdown for the night in order to avoid students going to parties after prom.</p><p>Prom was held at various house parties across town instead. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gpi37x7?utm_source=share&utm_medium=web2x&context=3" target="_blank">Coffee-spree</a></p>
HOLDEN FOREVER!!!<p>My high school mascot was Daniel Boone holding a musket. A kid wore a Guns 'n Roses shirt to school and was told he had to change shirts because of the pistols on the shirt. He pointed out the hypocrisy of the school mascot and they changed EVERYTHING. The mascot was switched to holding a flag pole instead. <span></span></p>
No Dots<p>You couldn't wear ANY kind of head items that were "gang colours" (red or blue) - this No included hair bands, scrunchies, beads in your hair, ribbons - ANYTHING. I got in trouble for wearing a blue hair band with white polka dots. </p><p><span></span><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gphzpyf?utm_source=share&utm_medium=web2x&context=3" target="_blank">Pleasant-Flamingo344</a></p>
Clothes Check<p>We had to wear belts. Someone snitched that people weren't wearing belts under their sweaters, and they actually checked and a bunch of people got detentions. Stupid. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gphz3y6?utm_source=share&utm_medium=web2x&context=3" target="_blank">ooo-ooo-oooyea</a></p><p><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gphz3y6?utm_source=share&utm_medium=web2x&context=3" target="_blank" rel="noopener noreferrer"></a>We had belt raids at my school where the dean would burst into classes, completely interrupting any education, to check that everyone was wearing a belt. </p><p><span></span><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gpia8pp?utm_source=share&utm_medium=web2x&context=3" target="_blank">GuinnessMicrodose</a></p>
Chase the Flat<p>We weren't allowed to play tag football at lunch, only frisbee. When I asked the principal what the difference was, he responded with a sarcastic tone, "A football is round and a frisbee is a flat disk."</p><p>He left the school later that year, went to another school, and a few years later was brought up on charges for failing to report the abuse of a student by a teacher. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gpi6lh3?utm_source=share&utm_medium=web2x&context=3" target="_blank">uninc4life2010</a></p>
Poke-Thief<img lazy-loadable="true" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8yNTcxNDgwMy9vcmlnaW4uZ2lmIiwiZXhwaXJlc19hdCI6MTY0ODg5MzY2Nn0.5LMPk1suou6U2SvAURKP-sHEuK7Izpkbxm0PWqvx95E/img.gif?width=980" id="b6e9f" class="rm-shortcode" data-rm-shortcode-id="92383d30e34aa92fd74cf6c1374ec294" data-rm-shortcode-name="rebelmouse-image" data-width="480" data-height="480" />hotline bling pokemon GIFGiphy<p>Pokemon cards got banned in middle school because someone stole the vice principal's kid's cards. Yep. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gpiapym?utm_source=share&utm_medium=web2x&context=3" target="_blank"> Skadoosh_it</a><a href="https://www.reddit.com/user/Skadoosh_it/" target="_blank"></a></p>
In the Face...<p>If you were involved in a fight, you got suspended. While it sounds reasonable, context didn't matter.</p><p>I got suspended once not for throwing a single punch, kick, whatever. I got suspended because someone knocked the books out of my hand and when I reached down to grab them they punched me in the face.</p><p>I got suspended for walking down the hallway and unprovoked getting punched in the face.</p><p>Forget Brandon Valley Middle School. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lwjlif/what_was_the_dumbest_rule_your_school_enforced/gpicbyx?utm_source=share&utm_medium=web2x&context=3" target="_blank">CLG_MianBao</a></p>
One of the golden rules of life? Doctors are merely human. They don't know everything and they make mistakes. That is why you always want to get another opinion. Things are constantly missed. That doesn't mean docs don't know what they're doing, they just aren't infallible. So make sure to ask questions, lots of them.Redditor u/Gorgon_the_Dragon wanted to hear from doctors about why it is imperative we always get second and maybe third opinions by asking... Doctors of Reddit, what was the worse thing you've seen for a patient that another Doctor overlooked?
Grandma Wins<img lazy-loadable="true" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8yNTcxNDcxOC9vcmlnaW4uZ2lmIiwiZXhwaXJlc19hdCI6MTY0OTQxNTgzOX0.n9IaFGgHwnULMlI2kg7RUftxDg6lyWvdM9CnhvptCRY/img.gif?width=980" id="a0857" class="rm-shortcode" data-rm-shortcode-id="9762f97a23c27ccf6b75974caa854361" data-rm-shortcode-name="rebelmouse-image" data-width="480" data-height="270" />Old Lady Wine GIF by MattielGiphy<p>Not a doctor, but my grandmother saved my father's eyesight because she didn't listen to their doctor. </p>
The Mummy Appendage<p>When I was a resident, an 80yo female was admitted from the nursing home for confusion. Workup showed some mild UTI and we were giving her antibiotics. The nurse mentioned that her toe looked dark and asked me to look at it. The toe wasn't just dark, it was mummified. It looked like dry beef jerky. I touched it and pieces flaked off. So the patient from a nursing home, had a mummified toe, probably for months, that no one knew about. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lw2g2z/doctors_of_reddit_what_was_the_worse_thing_youve/gpg00qn?utm_source=share&utm_medium=web2x&context=3" target="_blank">Dr2ray</a></p>
The CT Save<p>Here's my story:</p><p>A guy came in to our ICU and was very septic but still talking. He had visited his primary care MD with complaints of a sore throat for a couple of days. Dismissed without any intervention since he didn't appear to have strep throat or the flu. At this point he was having pretty severe abdominal discomfort, so we sent him for a CT scan. As the scan was finishing, he coded and had to be intubated, multi-organ failure, etc. </p>
Patches<p>When I was an ER nurse we got an elderly lady in for altered mental status from a nursing home, when we undressed her to put her in a gown and hook her up to the monitor, I noticed no less than 5 fentanyl patches on her, guess I discovered the cause of the AMS. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lw2g2z/doctors_of_reddit_what_was_the_worse_thing_youve/gpg1lml?utm_source=share&utm_medium=web2x&context=3" target="_blank">ChewbaccaSlim426</a></p>
Use your Words<img lazy-loadable="true" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8yNTcxNDcyMi9vcmlnaW4uZ2lmIiwiZXhwaXJlc19hdCI6MTY1MDA1NjI0MH0.WtyCdxL1vRZwD2-jpKZXMOEakwhiBaJIkp1YPnOzlvo/img.gif?width=980" id="e45ca" class="rm-shortcode" data-rm-shortcode-id="f5b98e6a4605a587dbd97579468a51d8" data-rm-shortcode-name="rebelmouse-image" data-width="498" data-height="367" />Communication GIF by memecandyGiphy<p>Neurologist sent patient to our ED without informing her that imaging showed a glioblastoma assuring her impending death. He didn't overlook the disease, he overlooked the communication. </p><p><a href="https://www.reddit.com/r/AskReddit/comments/lw2g2z/doctors_of_reddit_what_was_the_worse_thing_youve/gpfl5t5?utm_source=share&utm_medium=web2x&context=3" target="_blank">AzureSkye27</a></p>
Mad Cow Realty<p>During my residency we had this lady in her 60s who was getting progressively more forgetful, just overall declining and getting less and less able to take care of herself. She had been seeing her pcp who diagnosed her with dementia. And she saw a neurologist who agreed. She was not really able to provide an accurate history. <span></span></p>
After Birth...<p>I used to work in maternal-fetal medicine, and every single week, we would have women referred to us "because the doctor couldn't see something clearly with the baby and wanted to double check." Nope, they just didn't want to have to be the ones to tell you that your baby had a complex cardiac defect or multiple anomalies indicative of a genetic syndrome or any other of a large number of horrible things that can happen during fetal development. Still pisses me off when I think about how many women waited weeks for more information because their doctors were cowards who couldn't tell them, "There's something seriously wrong here." <span></span></p>
bad doctors<p>I'm not a doctor, but a RN. This happened to me, but isn't nearly as bad as most of the stories on here.</p><p>When I was in college, I got to where I couldn't swallow. It started with difficulty swallowing, progressed to me having to swallow bites of food multiple times/regurgitating it, and then got to where all I could swallow was broths and mashed potatoes with no chunks. I went to the doctor multiple times, and was told every time it was acid reflux and part of my anxiety disorder. <span></span></p>
The Valve...<p>He put the pacemaker lead in the subclavian artery (and across the aortic valve into the left ventricle). The proper approach is: subclavian vein to right ventricle). And then he didn't notice it for over a year. I saw the patient (a 25 yo woman who didn't need the pacemaker in the first place) when she was in congestive heart failure. <span></span><br></p>
Bitten<p>Rattlesnake bite. On a 2 year old. Patient and dad out in the fields near a small town that is several hours away from the nearest big city, where I work.</p>
When we think about learning history, our first thought is usually sitting in our high school history class (or AP World History class if you're a nerd like me) being bored out of our minds. Unless again, you're a huge freaking nerd like me. But I think we all have the memory of the moment where we realized learning about history was kinda cool. And they usually start from one weird fact.
Here are a few examples of turning points in learning about history, straight from the keyboards of the people at AskReddit.