Financial Experts Break Down The Worst Financial Decisions They've Ever Seen A Client Make
Bottoming out!
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 Down
mickey mouse smh GIF by ABC NetworkGiphyI 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.
Worthless
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 Down
Tea Smh GIF by moodmanGiphyNot 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
Accountant here.
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.
100% Gone
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 HULU
cindy brady smh GIF by HULUGiphyUsing ALL of his "retirement" and daughters college tuition to short Netflix. He lost over a million dollars.
"sovereign citizen"
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 Exercise
working out richard simmons GIFGiphyA 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.
Wordless
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 GIFGiphy- 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
The Shoo-In....
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.
The Background
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 GIFGiphyProbably 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.
Countless Screw-ups....
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 Issues
make it rain loop GIF by Chris TimmonsGiphyBanker. 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.
People Break Down The Missing Person Cases That Just Don't Add Up
Reddit user yourlastnames asked: 'what missing persons case is the most confusing / doesn’t add up?'
Content warning: suicide.
There are truly some strange unsolved cases out there, but there's nothing quite like hearing of a person who has vanished as if out of thin air.
While some of these cases have been explained away or even solved, there are some that remain a mystery that truly does not add up, no matter how the puzzle pieces fall.
Curious about these cases, in particular, Redditor yourlastnames asked:
"What missing persons case is the most confusing [to you] or just doesn't add up?"
The Last Ride of Terrance Williams
"Terrance Williams disappeared in 2004. He's the subject of a fascinating podcast called 'The Last Ride.'"
"The short version is that he was taken into custody in Naples, Florida, after being pulled over in the early hours for traffic violations. He was never seen again."
"The deputy that pulled him over tried to conceal the traffic stop even from his own organization, but staff opening a local business saw the whole thing."
"When the sheriff's department finally looked into it, they discovered the deputy was involved in a similar disappearance of a man named Felipe Santos in 2003. To this day the deputy claims no knowledge of Williams's whereabouts, despite being caught out in a series of lies."
- AlanMercer
Paddy Moriarty and Kellie
"Paddy Moriarty and his dog, Kellie. They went missing in an outback town in Australia with a population of 12 people."
"They were last seen leaving the pub riding his quad bike the one-kilometer distance to his house. He or his dog have never been found and no one has been charged in relation to his disappearance."
- Bigred0762
Susan Powell and Family
"Susan Powell went missing from her home in West Valley, Utah, on December 6, 2009."
"She is presumably dead. Her husband, Josh, was the main suspect and just a real piece of work. No one knows what really happened to her."
"Sadly in 2012, Josh murdered their kids and committed suicide after Susan’s parents gained custody of the kids."
- AlexisVonTrappe
"This case is so frustrating since his brother and father are both dead too. We’ll never know what happened to Susan, but I’m positive she’s in an old mine shaft somewhere. F**k Josh Powell."
- burittosquirrel
The Last Call from Brandon Swanson
"Brandon Swanson. He drove into a ditch and called his parents for help. They stayed on the phone with him for 47 minutes while they drove around looking for him."
"They heard him say, 'Oh s**t,' and then the phone went silent. They eventually found his car far away from where he said he was but he was never found."
- kittengoesrawr
"Reading this was absolutely chilling. It seems at first glance that it's most likely he drowned, but that really doesn't make sense because the water was only 10 feet deep and they would have found the body."
"He just suddenly said, 'OH S**T!' and the phone went silent, but he did not hang up. The phone call continued with total silence from his end. What the f**k happened to him?"
- angelposts
Babysitter Mar Lou Bostwick
"Mary Lou Bostwick. She disappeared July 18, 1972, from Waverly, New York. She was dropped off by her dad to babysit at a friend's house. This was also her 16th birthday. Her mom stopped by later with a cake and presents."
"The people in the apartment told her that Mary never showed up. However, her bag was in the residence. Nothing else was ever found."
"There was another girl around the same age, Sharon Coston, who was abducted and murdered in a nearby town about a year later. October 1983 in Sayre, Pennsylvania."
"There was a man convicted of that, but he always denied doing anything to Mary. One of the people who testified against him and was given immunity was a suspect in Mary's case. Mary's mom thinks there's a connection, but nothing was ever really found."
"I've sadly never seen anyone cover her disappearance on any of the podcasts or YouTube shows."
- Vamp459
Derek Seehausen of San Diego
"Derek Seehausen. My friend was dating him at the time of his disappearance, and he was actively planning his future in medicine, and was last seen in San Diego."
"I saw him about two months before he disappeared. Please send any tips."
- Hereforit2022Y
The Beaumont Children
"The Beaumont Children. Three kids go to the beach, are seen with a mystery man, and never make it back home."
"Never found out who the man was or where they went. Their parents just recently died without ever getting any closure."
- snguyenx96
Xavier Dupont de Ligonnes
"Xavier Dupont de Ligonnes. The whole family (parents and four kids) went missing overnight in 2011."
"Employers, schools, and the extended family received weird letters informing of their absence or departure (one of them saying they are going into a witness protection program). Two weeks later they found the corpses of the mother, the kids, and the dog hidden behind the house."
"They investigated and retraced the father’s whereabouts in the south of France. He was last seen leaving a hotel a few days before. The region was thoroughly searched, but he was never to be found."
- z4zazym
Branson Perry of Skidmore
"Branson Perry, aged 20, disappeared from Skidmore, Missouri in April 2001."
"He was working on his house with a friend, went to the shed to grab some power cords, and was never seen again."
- AdamR91
The Incomplete Story of Marshall Iwassa
"Marshall Iwassa. Good guy."
"He came back to his hometown to visit his family and friends, and everything by all accounts was good. He left to take the two-hour drive to where he was living and never made it. Instead, it was recorded he spent the entire night trying to get into his storage unit and then nothing."
"A week or maybe more, his truck was found 12 hours away on a back road in the middle of the woods burnt to a crisp with belongings thrown about everywhere, no sign of Marshal."
"From what I remember, the family was adamant that some of the things inside the truck, burnt or not, were missing, things they knew he had. The truck was even missing parts."
"It's been four years and there's never been answers. It makes me sad and fearful of long travels. From what I know of him, he was a fantastic friend; I hope they get closure one day."
- devbot8
Out Shopping Asha Degree
"Asha Degree."
"She went missing at the age of nine from Shelby, North Carolina, United States. In the early morning hours of February 14, 2000, for reasons unknown, she packed her bookbag, left her family home north of the city, and began walking along nearby North Carolina Highway 18 despite heavy rain and wind."
"Several passing motorists saw her; when one turned around at a point 1.3 miles (2.1 km) from her home and began to approach her, she left the roadside and ran into a wooded area."
"In the morning, her parents discovered her missing from her bedroom. No one has seen her since."
- EstateWeary5789
The Vanishing Marion Barter
"Marion Barter here in Australia."
"She boarded a plane overseas in 1997 and changed her name beforehand (didn't tell family). She apparently came back to Australia for a few days (according to passenger records) and completely disappeared."
"It's an ongoing investigation at the moment, there is a podcast about it called, 'The Lady Vanishes,' featuring her daughter."
"It's so tragically fascinating."
- CuddlySubject
The Grieving Bryce Laspisa
"Bryce Laspisa."
"He was driving to his parents' house (three hours) after an argument with his girlfriend, apparently due to his alcohol and video game addiction and abuse of prescription medication."
"Partway through the drive, he pulled off the highway and just sat there… from 9:00 AM to 3:'00 PM."
"A roadside assistance guy checked on him twice and said he seemed fine and coherent, and Bryce told him he would be carrying on back to his parents shortly."
"Sometime later, his car was found only a few miles away, driven off the embankment, and he was nowhere to be found. They never found him."
- Just_Raisin1124
News Anchor Jodi Huisentruit
"Jodi Huisentruit was a news anchor who disappeared in the early morning in Mason City, Iowa."
"There were signs that she was abducted and the investigation is still ongoing with new leads nearly 30 years later."
- Have_you_eaten_yet
Three-Year-Old William Tyrrell
"William Tyrrell. In 2014, the three-year-old boy went missing from his foster grandmother's yard whilst playing with his sister. His foster mother and foster grandmother were apparently watching them play outside, and the foster mother went inside to make a cup of tea."
"They then noticed they hadn’t seen or heard him in a while and searched the house and yard."
"In 2021, police began searching national parkland near the grandmother's home for human remains. They also revealed that the foster mother and grandmother were persons of interest in his presumed death."
"Earlier today, the foster mother pled not guilty to assaulting another foster child that was in her care (a 10-year-old girl). She has also been charged with intimidating and stalking a minor. Her husband has also been charged with the same crimes, but plead not guilty to all counts. The foster grandmother is now dead."
"Basically, police believe that William died whilst in the care of the foster family, and they disposed of his body to cover it up. Police are recommending that the foster parents be charged with perverting the course of justice and interfering with a corpse."
"His photos went viral at the time of the 'disappearance,' and he went missing whilst in a Spiderman costume, and the photo that was distributed was taken minutes before."
- Red_bug91
These stories are truly haunting, and it's no wonder that Redditors have worried themselves with what might have happened to these missing people.
We can only hope that answers come for at least some of these cases and that their closest loved ones achieve some sense of closure eventually.
If you or someone you know is struggling, you can contact the National Suicide Prevention Lifeline at 988.
To find help outside the United States, the International Association for Suicide Prevention has resources available at https://www.iasp.info/resources/Crisis_Centres/The realization you're getting older can smack you in the face at any given time, and boy-howdy is it fun!
It can be in the morning when you get up out of bed, and your body makes crackling noises, or when you can't seem to keep up at the gym and you cut short your running time on the treadmill.
That's just the physical.
When you suddenly have the epiphany that you're suddenly the oldest one in a group setting, it's humbling.
Curious to hear from strangers online who are no longer the young whipper-snappers they imagined themselves to eternally be, Redditor redmambo_no6 asked:
"Redditors with younger coworkers, what was your 'I’m officially old' moment?"
These moments of realization never get old. But people do.
Senior Kitty
"My childhood cat lived to 21.5 so teaching (freshman biology lab, so students were ~18) became very weird when I realized my cat was older than my students."
– mollusck_magic
Aging In Reverse
"I'm a preschool teacher. It's been a TRIP to watch parents go from Soooo much older than me, to the same age as me, and now they're younger than me!?!?"
– Smart_Alex
The Shook Pediatrician
"My kids pediatrician was also my husband's pediatrician when he was a kid. He was the first kid she had to come back as a parent and she was SHOOK."
– trixtred
Older Together
"See, that's what really kinda drives it home for me."
"I'm not bothered that I'm 48. But that means my school friends are 48, and that's weird for some reason. Like, I went to school with a guy who was wild and crazy. That guy is 48 now, and has a new grandbaby. Somehow, he's old, and I'm just 'getting up there '."
– ThatWeirdTexan
Relics of the past don't just pertain to humans.
Dialing It In
"Had a co-worker ask me, 'Back before cell phones, did you just have to wait around at your house for a call?' Uh, yeah, pretty much."
– Status-Effort-9380
"Reminds me of having to explain the concept of collect calls to my kids. The whole speed speaking where you were for pick up during the recording so your Mama never accepted the collect call."
– DaraScot
Legendary Aircraft
"Various colleagues were debating whether the Concorde had been real. They couldn’t fathom that supersonic civilian aircraft used to exist and now they don’t anymore."
"The Concorde last flew in 2003, when these colleagues were toddlers."
– geckos_are_weirdos
Foreign References
"We were talking about where we were on 9/11, and my coworker went quiet. He wasn’t even born."
"We also had a band that was famous in the 90s stay at the hotel, and he had no idea who they were, meanwhile I was so star struck as they were my entire childhood!"
– Itsagabby
Gravity is not our friend, and not just because of its effect on our faces.
The Day It Went Downhill
"When i fell down the last couple of steps on a stairway. No one pointed and laughed like I expected, instead they helped me up and asked me if I was okay. That’s when I knew."
– day_of_duke
It's About The Recovery
"F'k. That has to be a bummer."
"You fall. You know you're fine. You feel like an idiot. You get ready to wave to the crowd as they laugh and clap. But then... a hand is placed on your arm and you hear 'that was a big fall, are you ok?' You stay in shock for a moment. Of course, you're fine. Everyone is looking at you. They all have concerned faces. Sh*t. Two weeks later, the soreness finally subsides."
– minimalfighting
Ice Slip, You Slip, We All Slip
"This happened to me as well....walking my dog the day after a huge snowstorm. There were some rowdy teenage boys having a snowball fight across the street (schools were closed that day, of course). I slipped on the ice, my feet flew over my head and I landed solidly on my backside. As I struggled to get up I braced myself for the laughter and catcalls, but all I heard was "Are you OK Ma'am??' 'Do you need help??' I was in my early 50s and had never felt 'old' until that moment."
– Ouisch
Conversations with younger coworkers can be fun.
You can quote lines from your favorite TV shows and talk about the latest CD you bought at Target and brag about your new digital camera that takes better pictures than a smartphone.
And then you can watch the blank expressions on your coworkers' faces because they haven't a clue about what you speak.
Yeah. This has never happened to me...
Old.
Rethink The Ink: People Explain Which Tattoos Are A Total Red Flag
The art of tattooing has been practiced across the globe since at least Neolithic times, as evidenced by mummified skin, art and the archaeological artifacts.
The oldest tattooed human skin was found on the body of Ötzi the Iceman from between 3370 and 3100 BC.
Tattooed mummies were recovered in almost 50 archaeological digs across the Earth with locations in Greenland, Alaska, Siberia, Mongolia, western China, Egypt, Sudan, the Philippines and the Andes.
But while advancements in tools and inks have opened up endless possibilities for body art, some designs have garnered a bad reputation.
A Redditor asked:
"What tattoo is a red flag?"
Names Are For Relatives Only!
"Your girlfriend’s name tattooed after only 4 weeks of the relationship."
~ ClickWorthy69420
"My younger sister got 'Mrs *boyfriend’s name*' tattooed on her wrist when she was 16 or 17. I think she made a fake birth certificate to get it."
"The boyfriend later broke up with her when she was in rehab."
~ ElderCunningham
"Hooked up with a guy who had his own name tattooed on his ribs.
"His own full name. He ended up being a psychopath."
~ not_a_milk_drinker
"I've met 3 dudes so far that have their last names tatted on them."
"Two were in the exact same Gothic font (I met them years and thousands of miles apart). One had est.[birth year] underneath it..."
"Both were huge too, one across the chest, the other across his back. Both dudes were massive tools."
"The 3rd guy had it small on his bicep and doesn't like it anymore."
~ SceretAznMan
Red Flag, Literally
"My ex husband literally got a red flag tattooed on his wrist."
"I had no idea he did it until I saw it one day. I asked why he got it and he said it was a 'reminder' to himself to not make impulsive, rash decisions."
"He filed for divorce and moved in with his mistress two months later."
"The red flag tattoo was apt as f'k, apparently."
~ allworkandnoYahtzee
GiphySuperiority Complex?
"My daughter's ex had:"
"A ring of thorns on his forehead, like he was trying to look like Jesus"
"A 'not Nazi eagle' that looked exactly like a Nazi eagle on his abdomen"
~ gareewong
Sealed With A 💋
"lipstick kiss on the neck"
~ FunklerLing
"My old neighbor had this. One night SWAT showed up..."
~ AverageSoggaEnjoyer
"My buddy had this too, he went to prison for [drug] related crimes."
~ novicemma2
"My old coworker had this too, he got fired for getting high in the freezer."
~ Eggsor
"Also had a coworker of this ilk, proudly showed videos of him shooting a teddy bear on his couch. In his apartment. Just a grade A bozo."
~ theAlphabetZebra
"I’m sensing a theme here."
~ AzathothBlindgod
Cell Block Special
"I saw a woman at a water park with her toddler."
"She had a tattoo that said 'Trust no b*tches, love no hoes'."
"In my bones, I feel there is no way you could have that tattoo if you haven’t been to prison at least once."
~ MissElphie
Rule 34
"Chester Cheetah having sex with a Smurf."
~ Goldeneel77
"But which Smurf?"
~ Grouchy-Change-1219
GiphyProbably Not a Tribute to Her Father
"I met a lady with a 'Daddy' tattoo on her forehead. My gut told me right away that she was trouble."
"She went on a camping trip with us and mixed alcohol and drugs and went into an abusive rage."
"We ended up having to have the sheriff escort her out of our camp. Total sh*tshow."
~ margos2cents
It's All About Location, Location, Location
"I mean, come on, if the first warning sign about a forehead tattoo isn't that it's a FOREHEAD TATTOO, there's bigger issues at play here."
~ Buckus93
"Especially if it literally says 'POOR IMPULSE CONTROL'."
~ foxbones
Take a Bow 🎀
"I’ve never met a girl I liked with bows tattooed on the back of her thighs."
~ hatsnatcher23
Anti-Heroes, We Hope
"Tattoos of very questionable people….like Eichmann or Jeffrey Dahmer."
~ GamerGirl-07
"Or a giant back tattoo of Richard Nixon."
~ CataclysmicConverter
"That's oddly specific."
~ Even_Dark7612
"They're referring to Roger Stone, who, in fact, has a giant back tattoo of Richard Nixon."
~ The-Beer-Baron
Richard Nixon GIF by GIPHY NewsGiphyWhy Not a Brand?
"When a girl has a 'Property of (guy's name)'."
~ Redditor
Adult Swim
"I know a dude that has an odd assortment of Adult Swim characters tattooed on their back, mostly from Aqua Teen."
"They're bad in general, but the worst part is that they're just kinda placed randomly, not in a cohesive group or anything."
"Similar to how you might expect a kid to place stickers on their bedroom door because they weren't sure where else to put them."
~ LolYouFkingLoser
aqua teen hunger force GIFGiphyDad Jokes
"No ragrets."
~ NostradaMart
"That joke is so old, Jesus told it at the Last Supper."
~ Redditor
Red Flag, Literally—Part 2
"A Chinese flag tattoo is definitely a red flag."
~ Shiny_Whisper_321
"A Swiss flag is also a big plus."
~ Bragior
"An Austrian flag is a minus though."
~ Alarming_Basil6205
"A German flag is a big… um… three colored stripes?"
"This is hard...."
~ Poorly-Drawn-Beagle
Flowing China GIFGiphyArt—including body art—is subjective.
But before you get that ink, you might want to make sure it sends the message you want.
The Most Unprofessional Thing A Doctor Has Ever Said To A Patient
"I shall do by my patients as I would be done by; shall obtain consultation whenever I or they desire; shall include them to the extent they wish in all important decisions; and shall minimize suffering whenever a cure cannot be obtained, understanding that a dignified death is an important goal in everyone's life."
~ English translation of the modern abridged Hippocratic Oath
It is the hope of those seeking medical help that the medical professionals providing it will be just that—professional.
But no profession is immune to bad days, bad attitudes or bad apples.
Reddit user Monsah asked:
"What is the most unprofessional thing a doctor has said to you?"
Reproductive Health
"I was being treated on week 2 with medication for an ectopic pregnancy—fetus in the fallopian tube, 0% chance for baby, very small chance for myself to live if not taken care of. I was told to go to the ER if I developed severe pain."
"I developed severe pain and went to the ER."
"The doctor on call sat there and tried to casually discuss what kind of pain meds I might like WITH MY HUSBAND as I was writhing in pain on the bed. Husband insists doc should just make a decision and give me the meds now."
"Finally gave me a pain pill and told me no need for an ultrasound, just did some bloodwork for my file. I go home and wait it out with a script for pain meds."
"I told him the pain was severe and could be the tube bursting and he told me that miscarriages just hurt."
"I went into the gyno treating me 2 days later and he took one look at me and booked me for emergency surgery. The tube had burst and I had so much internal bleeding that they had to have a general surgeon assist in the cleanup in my abdomen."
"My bowels were adhering to the broken tube and had to be carefully separated. Later, my doc told me I was very lucky and the moron at the ER should have sent me in to an ultrasound based on the pain alone."
"The blood work was apparently alarming."
"Went back for an IV to the same sh*tty ER a few months after. That same sh*t ER doc checked my abdomen and saw the surgery scars."
"He commented I must have recently had an operation!"
"I told him 'yeah, you misdiagnosed my burst ectopic pregnancy and I had to get emergency surgery at a different hospital'. He didn't say sh*t after that."
"If I had the money, I would sue the a**hole."
~ poppykayak
"I also had an ectopic several years ago. I had missed my period and suspected being pregnant."
"A week later had severe pain where I couldn’t stand up and walk and wasn’t sure if it was my period coming on. Went to an urgent care and they confirmed I was pregnant but probably having a miscarriage."
"The pain was bad in my side, and I even suspected ectopic—but the male doctor there said miscarriages are painful and he knows what ectopic pain should look like, and that’s definitely not what I have."
"He told me to go home and just basically rest."
"So I believed him, and headed out—a nurse, female, stopped me in the front lobby and strongly insisted I go to the ER. My husband also wouldn’t let me just brush it off and took me in."
"At the ER they did an ultrasound and my entire abdomen was filled with fluid. I had emergency surgery and got really lucky with a rare ectopic that exploded backwards into my peritoneal cavity (called a tubal abortion) and got away without a ruptured ovary."
"The female surgeon said that in her 20 year career she had never seen a case like mine."
"Still sucked, and f'k that first doctor."
~ pheonixrising23
"Doctor said that either I cheated or my husband did because that kind of cervical pain was always chlamydia."
"It was an ectopic pregnancy that ruptured and resulted in emergency life-saving surgery. But thanks for listening doctor!"
"My personal OB happened to be at the hospital that night and came to tell me the news herself, giving him the angriest look I’ve ever seen in a professional setting."
~ grannywanda9
"I’d been sent by ambulance from our local urgent care to a hospital due to kidney pain and a funny shadow on my xray. Emergency room doctor was insistent 'it must be a STI' despite me having no genital symptoms, and he demanded to do a pelvic exam."
"This doctor aggressively tried to mimic my pain from the inside by jamming his hand up my vag. The nurse chaperone looked embarrassed when I said to the doctor, 'if you’re not careful, you’ll lose your watch up there'."
"He then discharged me from the hospital at 3 am saying he couldn’t find anything wrong with me."
"At 9 am the original urgent care doc called back since she saw I was discharged but my blood tests were back and I was septic."
~ Omissionsoftheomen
Digestive Health
"My older sister had unbearable GI issues for years growing up."
"Pediatrician told our parents that 'children get tummy aches' and to try peppermint Altoids.
"She ended up having emergency surgery where they had to remove her entire large intestine because it was necrotic and had tumors.
"Permanent colostomy by the time she was 14."
~ Currentlyunsureatm
"Both my parents are doctors, a Pediatrician and a Pulmonologist/ICU doc."
"Since 4TH GRADE I’d had very frequent upset stomachs and pain. I was always told 'it can just happen' or 'it’s too hard to figure out'."
"It got to the point where when I had BLEEDING from my intestines I didn’t want to say anything cause I thought I’d be brushed off. This was until I was going into my senior year of high school."
"It flared to the point I couldn’t move and lost 15 pounds in 2 weeks."
"Lo and behold, I had Ulcerative Colitis that was diagnosed within a day of tests it was so bad."
~ GamingBeluga
"I had been bleeding for 8 months when my GP told me I 'didn't meet the criteria' for a colonoscopy."
"Finally did get diagnosed with mild ulcerative colitis later on, but that conversation with the GP was the most frustrating part of the whole saga."
~ calvesofdespair
"'It can't be colon cancer because you're too young'."
"My brother got cancer at that exact age, as she knew."
~ Liraeyn
"The really f'ked up thing about this one is that it's standard procedure to monitor for colon cancer based on family history."
"Generally guidelines recommend if a first degree family member (mom, dad, brother, sister) had colon cancer before they were elderly, they should start getting screened at an age 10 years younger than when they were diagnosed."
"So that doctor straight up ignored national treatment guidelines."
~ thatrandomdude12
"My younger sister was diagnosed with stage 4 colorectal cancer at 26 (not a typo, that's twenty six.) And it took her a couple of years to convince her doc to order any tests, despite passing blood in her stool."
"I get that she was especially young to have such an advanced case, but I will never not be angry when I read a comment about docs telling folks that they are too young to be checked for colon cancer."
~ Coldricepudding
Children's Health
"I took my then 4-year-old daughter to a pediatric gastroenterologist. First he said 'she's just being dramatic'."
"Then he said, 'well, she'll get married some day and be someone else's problem'."
"That was 25 years ago, and it still shocks me!"
"Turned out she had a partial bowel obstruction."
~ kellygrrrl328
"When I took my then 4-year-old to a pediatric gastroenterologist because she still couldn't control her bowels and clearly had no feeling down there, the specialist told me she was doing it for attention and just didn't 'want to' use the toilet."
"She went on and on about how she'd been in the business for 20 years. When my daughter told her she really wanted to fix the problem so she could go to day camp, the doctor told her she was lying."
"That human turd was in the room when I finally got my daughter tested for bowel insensitivity (I don't remember the official name) and they found out that she did not, in fact, have any feeling in her bowels."
"I looked that b*tch in the face and said, 'Now do you believe us?' She just looked away."
~ paingry
Mental Health
"'You're 27. I don't know what you have to be anxious about'."
"This was in the 1990s."
~ PrincessSummerTop
"When I described my anxiety and depression the doctor said, 'but you aren’t overweight and over thirty!'."
~ seventh-street
"I was told the same just a few months ago at age 25."
"I replied 'well my mom just died' to which he said 'that’s too bad' and continued on with the exam."
~ Familiar_Honey_98
"'That's normal in your line of work. Just ignore it, the pain will go away'."
"I went in for shoulder pain, as my left shoulder would be killing me after a day loading trucks all day. This was an ongoing thing for weeks before I went to get it checked."
"Didn't examine my shoulder. Didn't have any x-rays done, catscans done, MRIs done, nothing. Hell, didn't even have me take my shirt off."
"Turns out that I had a torn rotator cuff."
"Had another doc tell me that the stomach pain that had me pissing myself, throwing up, and passing out was from 'gas'."
"Again, without any type of examination, just listening to the symptoms. Two days later I was dying on the OR table from a necrotic appendix."
~ Redditor
A common theme in all these stories are doctors not listening to their patients or their parents.
While a doctor may be a medical expert, they should remember the patient is the expert for their own body.