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 is a world full of mysteries to explore right at our very feet.
Do we engage with it on a level that might make us more uncomfortable? Well, if we really want to learn everything there is to know about our planet earth, we have to engage in the unsettling facts. They appear across every discipline.
The Easier Way Out<p>During the French Revolution, where the guillotine was introduced, the people to be executed fought to be first, as the blade would dull after multiple uses and wouldn't cut a head clean off at the first attempt.</p><p><a href="https://www.reddit.com/user/Back2Bach/" target="_blank">Back2Bach</a></p><p>And the last execution by guillotine in France was the same year Star Wars came out.</p><p><a href="https://www.reddit.com/user/CaptainPrower/" target="_blank" rel="noopener noreferrer">CaptainPrower</a></p>
At LEAST One?!<p>You have probably unknowingly encountered, or walked past at least one murderer in your lifetime.</p><p><a href="https://www.reddit.com/user/theprettyunicorn/" target="_blank">theprettyunicorn</a></p><p>For sure encountered. Worked night shift at a convenience store, guy pulled in to put gas came in the store used the atm and left. 3 min later swarm of cops surrounded the store. He had just murdered his family a couple states over and cops got a hit when he used the atm machine.</p><p><a href="https://www.reddit.com/user/Cool1Mach/" target="_blank" rel="noopener noreferrer">Cool1Mach</a></p>
WELP<p>For a long time it was believed that babies were too underdeveloped to be able to feel pain, and as such, did not need anesthetic for any kind of surgeries.</p><p>Up into the 1980's.</p><p><a href="https://www.reddit.com/user/FartKilometre/" target="_blank">FartKilometre</a></p>
Internet History<p>Eventually, most of the content on the internet will have been created by dead people.</p><p><a href="https://www.reddit.com/user/Phaesporic/" target="_blank">Phaesporic</a></p><p>Now I'm imagining a class like English literature but for internet culture and picturing a bored class with some kids sleeping while the teacher is saying some shit like "Okay class this meme is 100 years old and it says Me and the Boys going out to get some B E A N S what do the B E A N S symbolize and how does it reflect what was going on in society ? " lmao.</p><p><a href="https://www.reddit.com/user/Cheshire_Cat8888/" target="_blank">Cheshire_Cat8888</a></p>
Awful, Awful<p>There are estimated to be at least 25 active serial killers in the United States alone at any given time. Very few will be detected, much less apprehended.</p><p><a href="https://www.reddit.com/user/brideofchuckydoll/" target="_blank">brideofchuckydoll</a></p><p>Derrick Todd Lee and Sean Vincent Gillis were both active serial killer in the same city from the late 90s to early 2000s. For most of this time, law enforcement did not realize they were trying to catch multiple individuals, much less that they were acting completely independently of each other. On top of that, there are additional unsolved murders that neither was ever linked to whose evidence raises the possibility of a third active serial killer in the area during the same time period.</p><p><a href="https://www.reddit.com/user/see-bees/" target="_blank" rel="noopener noreferrer">see-bees</a></p>
Viewer, Beware....<p>National parks are not all swings and roundabouts. Over 1600 people have gone inside Yellowstone National Park and never come out.</p><p><a href="https://www.reddit.com/user/I_Am_A_Master-Baiter/" target="_blank">I_Am_A_Master-Baiter</a></p><p>Yellowstone is known for boiling water and pools of acid. People on this earth put gorrilla glue in their hair. I don't have any questions about what happened.</p><p><a href="https://www.reddit.com/user/MCqStep/" target="_blank" rel="noopener noreferrer">MCqStep</a></p>
Statistically....<p>If you end up being the victim of a violent crime, you probably know the perpetrators. You probably trust them, most likely, you love them.</p><p><span data-verified="redactor" data-redactor-tag="span"></span><a href="https://www.reddit.com/user/Double-Kicks/" target="_blank">Double-Kicks</a></p><p>People find it weird when the police declare most family members and close friends of murder victims to be suspects, but this is precisely why. You are FAR more likely to be (deliberately) killed by someone you know than a stranger. Also, in most countries and demographics, the most likely person to deliberately kill you is you.</p><p><span data-verified="redactor" data-redactor-tag="span"></span><a href="https://www.reddit.com/user/kutuup1989/" target="_blank">kutuup1989</a></p>
Our Brains Are Unsettling, Too<p>There is a rare genetic degenerative brain disorder called Fatal Familial Insomnia. FFI starts as a mild inability to sleep followed by short bouts of intense nightmares/dreams and progressively deteriorates until the sufferer is completely unable to sleep, at all. Eventually impacting the human ability to microsleep as a last ditch effort of self preservation. There is no cure for FFI and eventually sufferers lose their minds and die of sleep deprivation. But it gets so much worse.</p><p>Due to the degenerative nature of the condition as it progresses you begin deteriorating mentally and physically. You lose the ability to regulate body temperature and may swing between freezing and sweating, you develop severe memory problems, confusion, agitation, weight loss, paranoia, hallucinations, speech problems, double vision, loss of motor controls (similar to parkinsons), inability to swallow, increased blood pressure and production of tears as well as many other unpleasant symptoms. The combination of your mind going and your body shutting down eventually kills you.</p>
Rise Of The Machines<p>There so far at least two fatalities as a result of robots, both of industrial type.</p><p>The first was in Flat Rock, Michigan in 1979 when an engineer was killed when he was hit in the back and crushed while retrieving parts at an automobile factory. It was due to a malfunctioning industrial robot he was fixing. The second was in Akashi, Hyōgo, Japan where a maintenance worker was fixing a broken-down robot when it came to life by mistake. Both locations happened in factories that are well-known for manufacturing vehicles.</p><p><a href="https://www.reddit.com/user/MissSara101/" target="_blank">MissSara101</a></p>
So Can We Fix The Justice System Now<p>One to five percent of the US prison population is estimated to be innocent.</p><p>Combine that with the fact that one percent of the US population is incarcerated and your chance of being wrongly imprisoned in the 21st century is around 1 in 1000 in America.</p><p><a href="https://www.reddit.com/user/Crocoshark/" target="_blank">Crocoshark</a></p>
Let's be honest, most of us don't read the Terms and Conditions before we click that little "I Agree" button. Most of you probably aren't even going to read this intro.
A huge chunk of you are going to open this article and immediately scroll to "the meat" because we're all about getting to the good stuff. But that rush can sometimes mean missing out on some seriously important tidbits of info.
The Catch Was...<img lazy-loadable="true" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8yNTY4OTYxNy9vcmlnaW4uZ2lmIiwiZXhwaXJlc19hdCI6MTY0Mzg2NjM3N30.Zr6T7LGuuXaTr7NKBFfaCTwEc0Fvu3yJ-KdYO-Xk_No/img.gif?width=980" id="c41a3" class="rm-shortcode" data-rm-shortcode-id="f677f014d9104effd3b059212c9af24c" data-rm-shortcode-name="rebelmouse-image" data-width="480" data-height="270" />Giphy<p>I financed some furniture when I was young and getting established in my first professional job. It was interest-free financing for the first 12 months. </p><p>The catch was that if you paid late, they would charge you a fee, back-interest from the beginning of the loan period, and you would lose the interest free status for the rest of the loan. The APR was 29.9%, compounded monthly! </p><p>I couldn't imagine getting to the 11th payment and having something go wrong so a payment is late, then pay basically double what I had financed on the furniture.</p><p>I paid it off in 6 months, and I never did in-store financing again.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnx5tr1?utm_source=share&utm_medium=web2x&context=3" target="_blank">EngineeringQueen</a></p><p>This is most interest free gimmicks. Educate your friends. Usually the young ones fall victim to this.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gny23jj?utm_source=share&utm_medium=web2x&context=3" target="_blank">Chimmiii</a></p><p>I sold furniture and we had financing like this and I made sure to always tells my customers this so they couldn't come at me later on down the road. Others didn't and it just seemed so shady and f*cked up to me.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnxldnd?utm_source=share&utm_medium=web2x&context=3" target="_blank">Piccolo_known</a></p>
Get It From The Next Owner<p>I almost signed a contract that granted 50% of profits to the previous owner of the business for 3 years. It was a restaurant that used a conventional microwave instead of an actual oven.</p><p>This was back in the early 2000's and this place had a wonderful 50's vibe. From the bar, to the stools to booths - but it was empty because the food was SO bad and there was fast food up the road.</p><p>We were going to get a pizza oven in there and turn it into a Pizza/Shake place with soup in the winter. </p><p>When the law STUDENT we paid $500 to look over everything (DO THIS!) asked the seller about it for us, they said that they had sunk so much money into the business, the only way to make the money back was to get it from the next owner somehow.</p><p>Good luck with that.</p><p>We could not get them to remove that clause, the owner was hellbent on making the next person be the one to make the business successful and pay them.</p>
18 Months<p>A realtor once gave me a contract that said she would be the only person allowed to represent the property for 18 months.</p><p>That means that they were the only person that could try to sell the house. For <em>a year and a half</em>. We could not work with a different agent if we felt that this one wasn't doing enough, not responding, if we weren't happy, etc. </p><p>If we did, this agent would still get commission from the sale that that other agent actually made.</p><p>Nope. No way was I going to agree to being attached to someone for a year and a half like that. We found a different realtor with a 3 month term (which is much closer to standard), told the first one that her terms were ridiculous, and was under contract within 10 days.</p><p><span></span>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gny1hbr?utm_source=share&utm_medium=web2x&context=3" target="_blank">Tricky-Garden</a></p>
Idol Entitlement<p>Canadian Idol auditions when the first show was announced. Read the contract to the very end after signing it.</p><p>"you agree to being filmed 24/7. We can enter your room at any time and record personal phone calls and interactions with anyone." </p><p>That received a hard no for me. Ripped up the contract and never looked back. Thank god I read that before submitting it.</p><p><span></span>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gny2yf4?utm_source=share&utm_medium=web2x&context=3" target="_blank">jenskal</a></p><p><a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gny2yf4?utm_source=share&utm_medium=web2x&context=3" target="_blank"></a>Tell the camera crew to get out or get weird.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnz2mr7?utm_source=share&utm_medium=web2x&context=3" target="_blank">WielderOfDaNWordPass</a></p><p>Fine want to record me 24/7? Congrats, I have IBS.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnz0d4s?utm_source=share&utm_medium=web2x&context=3" target="_blank">wanderurlyy</a></p>
Phone Privileges<p>To be able to link my phone's outlook reader to my university account, I would had to give the IT-department permission to wipe my phone clean "if needed."</p><p>No thanks, I'll just use browser instead.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnxdc3z?utm_source=share&utm_medium=web2x&context=3" target="_blank">craftaliis</a></p><p><a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnxdc3z?utm_source=share&utm_medium=web2x&context=3" target="_blank"></a>I saw an employment contract where, if you did any company business on your cell phone, they could go through your phone and delete/restrict basically whatever they wanted. </p><p>I advised my friend to make a company-provided phone part of her contract.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnxq6pc?utm_source=share&utm_medium=web2x&context=3" target="_blank">EngineeringQueen</a></p><p><a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnxq6pc?utm_source=share&utm_medium=web2x&context=3" target="_blank"></a>Yeah. Someone at my old company had a commonish name, and someone lost their phone... and the company wiped the wrong phone.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnye6z8?utm_source=share&utm_medium=web2x&context=3" target="_blank">blargh2947</a></p>
The Good Ol' US of A<img lazy-loadable="true" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8yNTY4OTYxMi9vcmlnaW4uZ2lmIiwiZXhwaXJlc19hdCI6MTYyOTA1MDM5M30.A1BqwoI_FExTt3jqON2xJbJN1qt62txRrTsJ8V5Ybs8/img.gif?width=980" id="99844" class="rm-shortcode" data-rm-shortcode-id="9236d4a9b82c22589577961a2a710924" data-rm-shortcode-name="rebelmouse-image" data-width="480" data-height="270" />Season 3 America GIF by Broad CityGiphy<p>Any health and safety terms and conditions in USA. </p><p>I was working on adapting a US one for a charity event in the UK run by the same people and oh boy you cannot get away with that here. One line said if an employee harmed you in any way (even intentionally), you could not sue... </p><p>What!? </p><p><span></span>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnydf7s?utm_source=share&utm_medium=web2x&context=3" target="_blank">lt52-</a></p>
Keep It<p>Free ceiling insulation. </p><p>The catch? You allowed a company to install temperature sensors around the inside of your house, and they can do that at any time. And you have to allow access for them to check the sensors and get readings, adjust things, and remove the sensors. Everything belongs to the company. </p><p>This means letting randos into your house potentially over and over to get their readings from the electrical crap they put in your house. </p><p>Nah I'm good, keep your insulation.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnyrbn7?utm_source=share&utm_medium=web2x&context=3" target="_blank">bumpequalsbump</a></p>
Airlines<p>Was going to post this as a response on another thread, but I want people to actually see it.</p><p>When you book a flight, in the terms and conditions (especially for basic and econo fares) you agree that in the event of your flight getting canceled due to an act outside of the airlines control they don't have to refund you unless they offer you a travel credit.</p><p>That includes a world spanning virus.</p><p>Don't be cheap, get travelers insurance or pay for the higher fare that has a refund clause.</p><p><span></span>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnxyb4e?utm_source=share&utm_medium=web2x&context=3" target="_blank">bpanio</a></p><p><a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnxyb4e?utm_source=share&utm_medium=web2x&context=3" target="_blank"></a></p>
Crepes<p>I worked for a meat pie company that moved over from Australia that made me sign a contract that I would never work for another meat pie company or open an establishment that sells similar food. I didn't read the fine print. </p><p>They also sold a few other things ... like crepes. Sure enough, I wanted to open a food truck and my partner had her sights on crepes as she made them in her previous food truck and it just happened a truck we were buying was set up to make similar things. </p><p>I gave 1 month notice because they were busy and I didn't want to leave them stranded in high season. I told the owner we were working on a food truck we bought, it was a dream coming true, and that it happens we are doing crepes as my partner is French and had done them before.</p>
This Sparks Joy<img lazy-loadable="true" data-runner-src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8yNTY4OTU2NS9vcmlnaW4uZ2lmIiwiZXhwaXJlc19hdCI6MTYxOTY0OTgxM30.takzFO7X_vx_UzNvPeNEvpcYSGho5_AZNX-itkNSdOE/img.gif?width=980" id="d78cf" class="rm-shortcode" data-rm-shortcode-id="09a8efb07fb739ec04f38de1406639f5" data-rm-shortcode-name="rebelmouse-image" data-width="480" data-height="276" />Giphy<p>I'm pretty sure I gave google the rights to all of my Spotify data when they gave me a free google home. </p><p>On one hand, RIP privacy. </p><p>On the other hand, knowing some poor algorithm has to figure out some possible way to advertise things to me based on listening to Knock On Wood 57 times in a row and the soundtrack to Starship Troopers on repeat gives me great joy.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnywvs7?utm_source=share&utm_medium=web2x&context=3" target="_blank">OakNogg</a></p>
Claim $100<p>Back when the internet really started being a thing, some company/website put something in their terms and conditions about the first person who reads it, can contact them to claim a $100 prize. </p><p>Took five years for somebody to claim the prize.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gny3g6s?utm_source=share&utm_medium=web2x&context=3" target="_blank">RubyShooz </a></p><p><a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gny3g6s?utm_source=share&utm_medium=web2x&context=3" target="_blank"></a>I wonder how much of that is people not reading it and how much is people reading it and thinking "surely somebody's already claimed this by now, why bother?"</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnyj0gy?utm_source=share&utm_medium=web2x&context=3" target="_blank">Novaseerblyat</a></p>
Amazon ... Should We Be Worried?<p>Not really an example of the worst thing, but you're not allowed to use Amazon's game engine (Lumberyard) for military/nuclear applications normally, but that restriction is suspended specifically if there's a zombie apocalypse</p><p><a href="https://aws.amazon.com/service-terms/" rel="noopener noreferrer" target="_blank">https://aws.amazon.com/service-terms/</a> Clause 47.10: "<em>this restriction will not apply in the event of the occurrence (certified by the United States Centers for Disease Control or successor body) of a widespread viral infection transmitted via bites or contact with bodily fluids that causes human corpses to reanimate and seek to consume living human flesh, blood, brain or nerve tissue and is likely to result in the fall of organized civilization</em></p><p><em></em>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gny3skb?utm_source=share&utm_medium=web2x&context=3" target="_blank">OldGodsAndNew</a></p>
Most Ridiculous<p>I recall a major airline in the pioneer days won an award for most ridiculous TOS to simply look up a flight arrival time on their web site.</p><p>If I recall, it was a 22,000 word document that an analysis said was written at a post graduate reading level. It states that you would, in perpetuity, never use that computer to connect to any other airline's website.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnyb3lm?utm_source=share&utm_medium=web2x&context=3" target="_blank">NightMGR</a></p><p>What were they planning on doing about it if you broke the contract? Send a hitman after you or something?</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/go1hpi5?utm_source=share&utm_medium=web2x&context=3" target="_blank">ChungusFungus303</a></p>
Citibank Is Serious Business<p>When I started work for Citibank, they asked me to sign two documents;</p><ol><li>promising I would never use encryption for any purpose other than Citibank's for as long as I live.</li><li>promising to obey the laws of all 196 countries on earth that Citibank operates in.</li></ol><p>So obviously I looked at my cubicle mate and stoned her to death for exposing her wrists, and I can no longer use HTTPS.</p><p>- <a href="https://www.reddit.com/r/AskReddit/comments/lmugas/users_who_read_the_terms_and_conditions_what_are/gnyy0u3?utm_source=share&utm_medium=web2x&context=3" target="_blank">beachbbqlover</a></p>
Death is scary. It brings the unknown of the great beyond, whether that's heaven, some other afterlife, or total nothingness, depending on what you believe.
But there is one perk that comes with death: total control of your funeral.
Let the Games Begin<p>"I got a request for the deceased to be dressed up in a Where's Waldo costume and to have 12 other identical caskets in the room so the guests could try to guess where he was by opening coffins randomly."</p><p>"Each guest was to play this guessing game and then sit down before the next person could enter so everyone could play the game."</p><p>"Problem was not everyone wanted to play the game.....super odd but they paid a lot for it."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gnylmi3?utm_source=share&utm_medium=web2x&context=3" target="_blank">ramontgomery</a></p>
Dead In a Faraway Galaxy<p>"The deceased was a huge Star Wars fan and left explicit instructions for his funeral."</p><p>"As funeral organist, I was requested to play Star Wars principal themes on the grand pipe organ for prelude music, processional and recessional."</p><p>"As I once described, pall bearers were dressed in main characters costumes and "Obi-Wan Kenobi" gave an inspired eulogy, drawing upon memorable moments from the series."</p><p>"Using 'full organ' (all the stops out) for climatic moments, I played the <em>Imperial March</em> at the conclusion of the funeral before those in attendance departed for the cemetery for the committal."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gnxielt?utm_source=share&utm_medium=web2x&context=3" target="_blank">Back2Bach</a></p>
A True Celebration of the Life He Lived<p>"I'm a florist, and I've created some unique tributes out of fresh flowers, and more."</p><p>"I made a putting green two feet across, complete with ball, tee and a club for an avid golfer. I constructed a fish out of various blooms and leaves, placed by a lakeside foliage spray. I've made rainbows and black and white themed arrangements. I put a lot of heart into memorial pieces."</p><p>"A few years ago, I was helping a family decide on their tributes for a much-loved man. The wife stressed he was known for his big blue Giant Eagle truck, and most of their friends were from the driver's union."</p><p>"I volunteered myself for a watercolor picture of the truck around which I would design a floral spray. It took four attempts, but I was finally happy, and framed it."</p><p>"Two days later, I received the most wonderful letter from his wife, and said that everyone agreed it was the most appropriate and important statement about his life. It will sit on her mantle for the rest of her life."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gnyf7h2?utm_source=share&utm_medium=web2x&context=3" target="_blank">cavepainted</a></p>
Friends Til the Very End<p>"My family owns a grave digging business as well as lawn and garden statues, someone purchased an 8ft tall gorilla statue."</p><p>"My dad delivered it and asked what they were going to do with it and where they were putting it, the guys said their friends dying wish was to be stuffed up this concrete gorillas a**, and that's what they did."</p><p>"They drilled a whole in the a** and put their buddies ashes inside"</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gnytm2i?utm_source=share&utm_medium=web2x&context=3" target="_blank">hayhay428</a></p>
Always Watching<p>"My husband found out they can make gems out of cremains, and now he wants to be reduced to 2 jewels seated in his own eye sockets."</p><p>"I don't want a skull! I don't want to own his skull! I don't want him to watch me with his evil gem eyes!"</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gny5vcy?utm_source=share&utm_medium=web2x&context=3" target="_blank">ParadiseSold</a></p>
For Science<p>"My own will requests that my right eye be removed, preserved and delivered to my oncologist in Miami for him to do with whatever he sees fit."</p><p>"Hopefully as a teaching aid to new optometry students, but if he wants to use it for pranks I'm totally fine with that too."</p><p>"I survived a very unusual eye cancer and they had to do all kinds of experimental things to repair it when all was done. I jokingly suggested I donate it to science when I went and he said that was an amazing idea. So, here you go."</p><p>"I hope whoever deals with my corpse has fun with that request."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gnxp6ri?utm_source=share&utm_medium=web2x&context=3" target="_blank">zerbey</a> </p>
One Last Look<p>"My wife's uncle asked the funeral director when he dies he would like his eyes open in the casket during his viewing."</p><p>"His entire life everyone commented on his big baby blue eyes and he wanted them open for people to see one last time."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gnycdzg?utm_source=share&utm_medium=web2x&context=3" target="_blank">Agreeable-Scratch424</a></p>
One Last F-You<p>"One rich guy hated his kids and didn't want them to get a cent of his wealth. He therefore wanted all his money to spent on a mausoleum for his coffin with a rose garden around it and the eternal upkeep thereof."</p><p>"He had the city council-approved architectural plans for the mausoleum included in his will and testament."</p><p>"He demanded in his will that the remaining funds, after construction, must go to a gardening service to maintain the rose garden and clean off the bird poop from his mausoleum in perpetuity until the money runs out in a few centuries."</p><p>"The mausoleum is in Cemetery de Saint Rambert outside Lyon, France."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gnxnk4q?utm_source=share&utm_medium=web2x&context=3" target="_blank">JingoisticJeremiah</a></p>
Utter Indifference<p>"My coworker was meeting a client who was picking up his mother's cremains. My coworker has the client sign a release, then hands him the urn."</p><p>The man immediately turns around and drops the urn into the trash can."</p><p>"My coworker is a 40 year funeral director veteran, and without missing a beat, he says, 'Sir, I can understand your strong feelings about your mother, but I cannot allow you to leave that here. What you do once you get out the door is up to you and God.' " </p><p>"Dude picked up the urn and left without a word."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gnybff8?utm_source=share&utm_medium=web2x&context=3" target="_blank">keliez</a></p>
To Reflect What She Was Like, Or Never Did?<p>"My mom asked the embalmer to put a few stitches in my grandma's cheeks to give her a faint smile. </p><p>"At the time it seemed like an odd, even slightly morbid request, but 20+ years on, it's one of the only things I remember from her funeral. It was kind of lovely, actually."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/lmtl11/funeral_home_workers_and_owners_whats_the/gnx79mi?utm_source=share&utm_medium=web2x&context=3" target="_blank">Fearless_Lab</a></p>
After we've watched a movie, it can be difficult to imagine the film as a project that took months or years to finally culminate into the product we see at the theater or on our television.
But it was built and hacked together, piece by piece.