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The Rules of Pacers Digest

Hello everyone,

Whether your are a long standing forum member or whether you have just registered today, it's a good idea to read and review the rules below so that you have a very good idea of what to expect when you come to Pacers Digest.

A quick note to new members: Your posts will not immediately show up when you make them. An administrator has to approve at least your first post before the forum software will later upgrade your account to the status of a fully-registered member. This usually happens within a couple of hours or so after your post(s) is/are approved, so you may need to be a little patient at first.

Why do we do this? So that it's more difficult for spammers (be they human or robot) to post, and so users who are banned cannot immediately re-register and start dousing people with verbal flames.

Below are the rules of Pacers Digest. After you have read them, you will have a very good sense of where we are coming from, what we expect, what we don't want to see, and how we react to things.

Rule #1

Pacers Digest is intended to be a place to discuss basketball without having to deal with the kinds of behaviors or attitudes that distract people from sticking with the discussion of the topics at hand. These unwanted distractions can come in many forms, and admittedly it can sometimes be tricky to pin down each and every kind that can rear its ugly head, but we feel that the following examples and explanations cover at least a good portion of that ground and should at least give people a pretty good idea of the kinds of things we actively discourage:

"Anyone who __________ is a liar / a fool / an idiot / a blind homer / has their head buried in the sand / a blind hater / doesn't know basketball / doesn't watch the games"

"People with intelligence will agree with me when I say that __________"

"Only stupid people think / believe / do ___________"

"I can't wait to hear something from PosterX when he/she sees that **insert a given incident or current event that will have probably upset or disappointed PosterX here**"

"He/she is just delusional"

"This thread is stupid / worthless / embarrassing"

"I'm going to take a moment to point and / laugh at PosterX / GroupOfPeopleY who thought / believed *insert though/belief here*"

"Remember when PosterX said OldCommentY that no longer looks good? "

In general, if a comment goes from purely on topic to something 'ad hominem' (personal jabs, personal shots, attacks, flames, however you want to call it, towards a person, or a group of people, or a given city/state/country of people), those are most likely going to be found intolerable.

We also dissuade passive aggressive behavior. This can be various things, but common examples include statements that are basically meant to imply someone is either stupid or otherwise incapable of holding a rational conversation. This can include (but is not limited to) laughing at someone's conclusions rather than offering an honest rebuttal, asking people what game they were watching, or another common problem is Poster X will say "that player isn't that bad" and then Poster Y will say something akin to "LOL you think that player is good". We're not going to tolerate those kinds of comments out of respect for the community at large and for the sake of trying to just have an honest conversation.

Now, does the above cover absolutely every single kind of distraction that is unwanted? Probably not, but you should by now have a good idea of the general types of things we will be discouraging. The above examples are meant to give you a good feel for / idea of what we're looking for. If something new or different than the above happens to come along and results in the same problem (that being, any other attitude or behavior that ultimately distracts from actually just discussing the topic at hand, or that is otherwise disrespectful to other posters), we can and we will take action to curb this as well, so please don't take this to mean that if you managed to technically avoid saying something exactly like one of the above examples that you are then somehow off the hook.

That all having been said, our goal is to do so in a generally kind and respectful way, and that doesn't mean the moment we see something we don't like that somebody is going to be suspended or banned, either. It just means that at the very least we will probably say something about it, quite possibly snipping out the distracting parts of the post in question while leaving alone the parts that are actually just discussing the topics, and in the event of a repeating or excessive problem, then we will start issuing infractions to try to further discourage further repeat problems, and if it just never seems to improve, then finally suspensions or bans will come into play. We would prefer it never went that far, and most of the time for most of our posters, it won't ever have to.

A slip up every once and a while is pretty normal, but, again, when it becomes repetitive or excessive, something will be done. Something occasional is probably going to be let go (within reason), but when it starts to become habitual or otherwise a pattern, odds are very good that we will step in.

There's always a small minority that like to push people's buttons and/or test their own boundaries with regards to the administrators, and in the case of someone acting like that, please be aware that this is not a court of law, but a private website run by people who are simply trying to do the right thing as they see it. If we feel that you are a special case that needs to be dealt with in an exceptional way because your behavior isn't explicitly mirroring one of our above examples of what we generally discourage, we can and we will take atypical action to prevent this from continuing if you are not cooperative with us.

Also please be aware that you will not be given a pass simply by claiming that you were 'only joking,' because quite honestly, when someone really is just joking, for one thing most people tend to pick up on the joke, including the person or group that is the target of the joke, and for another thing, in the event where an honest joke gets taken seriously and it upsets or angers someone, the person who is truly 'only joking' will quite commonly go out of his / her way to apologize and will try to mend fences. People who are dishonest about their statements being 'jokes' do not do so, and in turn that becomes a clear sign of what is really going on. It's nothing new.

In any case, quite frankly, the overall quality and health of the entire forum's community is more important than any one troublesome user will ever be, regardless of exactly how a problem is exhibiting itself, and if it comes down to us having to make a choice between you versus the greater health and happiness of the entire community, the community of this forum will win every time.

Lastly, there are also some posters, who are generally great contributors and do not otherwise cause any problems, who sometimes feel it's their place to provoke or to otherwise 'mess with' that small minority of people described in the last paragraph, and while we possibly might understand why you might feel you WANT to do something like that, the truth is we can't actually tolerate that kind of behavior from you any more than we can tolerate the behavior from them. So if we feel that you are trying to provoke those other posters into doing or saying something that will get themselves into trouble, then we will start to view you as a problem as well, because of the same reason as before: The overall health of the forum comes first, and trying to stir the pot with someone like that doesn't help, it just makes it worse. Some will simply disagree with this philosophy, but if so, then so be it because ultimately we have to do what we think is best so long as it's up to us.

If you see a problem that we haven't addressed, the best and most appropriate course for a forum member to take here is to look over to the left of the post in question. See underneath that poster's name, avatar, and other info, down where there's a little triangle with an exclamation point (!) in it? Click that. That allows you to report the post to the admins so we can definitely notice it and give it a look to see what we feel we should do about it. Beyond that, obviously it's human nature sometimes to want to speak up to the poster in question who has bothered you, but we would ask that you try to refrain from doing so because quite often what happens is two or more posters all start going back and forth about the original offending post, and suddenly the entire thread is off topic or otherwise derailed. So while the urge to police it yourself is understandable, it's best to just report it to us and let us handle it. Thank you!

All of the above is going to be subject to a case by case basis, but generally and broadly speaking, this should give everyone a pretty good idea of how things will typically / most often be handled.

Rule #2

If the actions of an administrator inspire you to make a comment, criticism, or express a concern about it, there is a wrong place and a couple of right places to do so.

The wrong place is to do so in the original thread in which the administrator took action. For example, if a post gets an infraction, or a post gets deleted, or a comment within a larger post gets clipped out, in a thread discussing Paul George, the wrong thing to do is to distract from the discussion of Paul George by adding your off topic thoughts on what the administrator did.

The right places to do so are:

A) Start a thread about the specific incident you want to talk about on the Feedback board. This way you are able to express yourself in an area that doesn't throw another thread off topic, and this way others can add their two cents as well if they wish, and additionally if there's something that needs to be said by the administrators, that is where they will respond to it.

B) Send a private message to the administrators, and they can respond to you that way.

If this is done the wrong way, those comments will be deleted, and if it's a repeating problem then it may also receive an infraction as well.

Rule #3

If a poster is bothering you, and an administrator has not or will not deal with that poster to the extent that you would prefer, you have a powerful tool at your disposal, one that has recently been upgraded and is now better than ever: The ability to ignore a user.

When you ignore a user, you will unfortunately still see some hints of their existence (nothing we can do about that), however, it does the following key things:

A) Any post they make will be completely invisible as you scroll through a thread.

B) The new addition to this feature: If someone QUOTES a user you are ignoring, you do not have to read who it was, or what that poster said, unless you go out of your way to click on a link to find out who it is and what they said.

To utilize this feature, from any page on Pacers Digest, scroll to the top of the page, look to the top right where it says 'Settings' and click that. From the settings page, look to the left side of the page where it says 'My Settings', and look down from there until you see 'Edit Ignore List' and click that. From here, it will say 'Add a Member to Your List...' Beneath that, click in the text box to the right of 'User Name', type in or copy & paste the username of the poster you are ignoring, and once their name is in the box, look over to the far right and click the 'Okay' button. All done!

Rule #4

Regarding infractions, currently they carry a value of one point each, and that point will expire in 31 days. If at any point a poster is carrying three points at the same time, that poster will be suspended until the oldest of the three points expires.

Rule #5

When you share or paste content or articles from another website, you must include the URL/link back to where you found it, who wrote it, and what website it's from. Said content will be removed if this doesn't happen.

An example:

If I copy and paste an article from the Indianapolis Star website, I would post something like this:

http://www.linktothearticlegoeshere.com/article
Title of the Article
Author's Name
Indianapolis Star

Rule #6

We cannot tolerate illegal videos on Pacers Digest. This means do not share any links to them, do not mention any websites that host them or link to them, do not describe how to find them in any way, and do not ask about them. Posts doing anything of the sort will be removed, the offenders will be contacted privately, and if the problem becomes habitual, you will be suspended, and if it still persists, you will probably be banned.

The legal means of watching or listening to NBA games are NBA League Pass Broadband (for US, or for International; both cost money) and NBA Audio League Pass (which is free). Look for them on NBA.com.

Rule #7

Provocative statements in a signature, or as an avatar, or as the 'tagline' beneath a poster's username (where it says 'Member' or 'Administrator' by default, if it is not altered) are an unwanted distraction that will more than likely be removed on sight. There can be shades of gray to this, but in general this could be something political or religious that is likely going to provoke or upset people, or otherwise something that is mean-spirited at the expense of a poster, a group of people, or a population.

It may or may not go without saying, but this goes for threads and posts as well, particularly when it's not made on the off-topic board (Market Square).

We do make exceptions if we feel the content is both innocuous and unlikely to cause social problems on the forum (such as wishing someone a Merry Christmas or a Happy Easter), and we also also make exceptions if such topics come up with regards to a sports figure (such as the Lance Stephenson situation bringing up discussions of domestic abuse and the law, or when Jason Collins came out as gay and how that lead to some discussion about gay rights).

However, once the discussion seems to be more/mostly about the political issues instead of the sports figure or his specific situation, the thread is usually closed.

Rule #8

We prefer self-restraint and/or modesty when making jokes or off topic comments in a sports discussion thread. They can be fun, but sometimes they derail or distract from a topic, and we don't want to see that happen. If we feel it is a problem, we will either delete or move those posts from the thread.

Rule #9

Generally speaking, we try to be a "PG-13" rated board, and we don't want to see sexual content or similarly suggestive content. Vulgarity is a more muddled issue, though again we prefer things to lean more towards "PG-13" than "R". If we feel things have gone too far, we will step in.

Rule #10

We like small signatures, not big signatures. The bigger the signature, the more likely it is an annoying or distracting signature.

Rule #11

Do not advertise anything without talking about it with the administrators first. This includes advertising with your signature, with your avatar, through private messaging, and/or by making a thread or post.
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Does anyone own rental property?

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  • Does anyone own rental property?

    I've made it a goal over the next year to buy my first rental property here in the Indianapolis area, and I was curious to know if any of you own some rentals and would be willing to entertain the occasional "hey what do you think of this house for a rental property?" and questions about land lording and buying investment properties. If you could give me some tips on the best neighborhoods to buy in, or share your resources on who I should use for a good contractor for rehab work, realtors, etc... Or maybe you have a property you are wanting to sell that is currently a rental or would be a good rental. Or methods you have used to find those great deals on a rental property.

    Thanks!
    You can't get champagne from a garden hose.

  • #2
    Re: Does anyone own rental property?

    We bought a duplex to "rent" to family members that were in a tough spot. We're not making money from it right now, just having them split the cost of the loan and taxes, etc. I won't be much help as far as the investing side of it, but I do have a realtor to recommend. His name is Bob Harton (Artisan Realtors, 317-797-6466,b.harton@sbcglobal.net). This guy was always on top of everything for us. We were only looking for homes in the $20-$40k area and never felt like our situation wasn't important to him.

    Comment


    • #3
      Re: Does anyone own rental property?

      In my opinion, I wouldn't be afraid to take a chance on some of the cheap homes on the near-eastside. There are some pockets over there that aren't that bad to live in. Some of those old houses were built to last. There is a community development organization that is making some good things happen in the Englewood area. We're considering taking a chance on another one in a year or two.

      Comment


      • #4
        Re: Does anyone own rental property?

        I've watched many of my fellow realtors go bankrupt with the rentals they own.
        Ever notice how friendly folks are at a shootin' range??.

        Comment


        • #5
          Re: Does anyone own rental property?

          Originally posted by ErikD. View Post
          In my opinion, I wouldn't be afraid to take a chance on some of the cheap homes on the near-eastside. There are some pockets over there that aren't that bad to live in. Some of those old houses were built to last. There is a community development organization that is making some good things happen in the Englewood area. We're considering taking a chance on another one in a year or two.
          If you're gonna go this route, and you have some cash on hand, <$10,000 or so, you might want to look into tax/short sales. You can get a property for pretty cheap through auction, but you'd need to do your homework. There are websites that list the upcoming auctions, so you can go look the properties over some.

          If you do get properties in lower income areas, I'd also recommend getting hooked up with the local Section-8 office. Finding good tenants can be tricky, you'd really need to do the background checks and talk to previous landlords, and even then you'll get stuck with some bad ones. Section-8 doesn't guarantee you good tenants, although older one's tend to stick around quite a long while/take care of their stuff, but it ensures you get most of the rent each month. If you're a good landlord, they'll (Section-8 office) always have a list of potential tenants.
          Just because you're offended, doesn't mean you're right.” ― Ricky Gervais.

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          • #6
            Re: Does anyone own rental property?

            Originally posted by ErikD. View Post
            We bought a duplex to "rent" to family members that were in a tough spot. We're not making money from it right now, just having them split the cost of the loan and taxes, etc. I won't be much help as far as the investing side of it, but I do have a realtor to recommend. His name is Bob Harton (Artisan Realtors, 317-797-6466,b.harton@sbcglobal.net). This guy was always on top of everything for us. We were only looking for homes in the $20-$40k area and never felt like our situation wasn't important to him.
            Awesome thanks for that realtor contact. That has been one of my main concerns going forward, and its been said to me that its really important to find a realtor that has worked with investors because obviously the criteria is much different than that of a person buy a house for themselves. Did you buy this property cash? or did you have to finance it?

            Originally posted by ErikD. View Post
            In my opinion, I wouldn't be afraid to take a chance on some of the cheap homes on the near-eastside. There are some pockets over there that aren't that bad to live in. Some of those old houses were built to last. There is a community development organization that is making some good things happen in the Englewood area. We're considering taking a chance on another one in a year or two.
            Yes I've been looking on the near-eastside around Irvington or Little flower. I don't know much about Englewood though. I'm trying to stay away from Brookside park area. I'm also looking in Eagledale, which is just north of the IMS grounds, and BeechGrove southside in general.

            Originally posted by Since86 View Post
            If you're gonna go this route, and you have some cash on hand, <$10,000 or so, you might want to look into tax/short sales. You can get a property for pretty cheap through auction, but you'd need to do your homework. There are websites that list the upcoming auctions, so you can go look the properties over some.
            I have a buddy that does this at the quarterly tax surplus sale. He will go in and buy up multiple properties for a few grand a piece, fix them up and rent them out. He has been very successful at it. But it looks like that strategy takes lot of cash to pull off, and he is able to do it because he has so many rentals feeding his pocket every month.
            I plan to go to the next sale to check it out with him, but I think my first rental needs to be something that is rent ready with little fix ups.
            You can't get champagne from a garden hose.

            Comment


            • #7
              Re: Does anyone own rental property?

              Originally posted by graphic-er View Post
              Did you buy this property cash? or did you have to finance it?



              I don't know much about Englewood though.
              http://www.indystar.com/story/opinio...oods/20102173/

              We had some cash but had to get a 5 year loan on the rest. We were trying to get a mortgage but we couldn't find a bank to give us one on a house that cheap (29,900). Turned out better that way, I suppose. It's funny that article was posted yesterday. It mentions the Englewood area, Washington and Oxford.

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              • #8
                Re: Does anyone own rental property?

                I seen that article and I looked at the website. I'm very skeptical of the impact of their proposed plans for each area. I think the one at 38th and Illinois might have the best chance for major success because it is near Butler campus so you have a good mix of young college kids and the you have many high priced homes just to the north and which means you have an opportunity to capture those folks disposable income from an economic stand point. Plus just to the east you have the fair grounds so there is a lot of economic opportunity there.

                Fountain square is popular because it has Highbrow entertainment options like art galleries and Studio spaces, unique restaurants, proximity to downtown. It was always know as an eccentric neighborhood and it embraced that spirit with the revitalization.

                But i might be looking at it from the wrong view point. I suppose any infusion of investment in an blighted area is gonna increase a real estate investors opportunity to make money if you get in at the right time.
                You can't get champagne from a garden hose.

                Comment


                • #9
                  Re: Does anyone own rental property?

                  I don't totally disagree with you. I believe that the Englewood area will improve greatly. But, I also don't see it being the next "Fountain Square" anytime soon either.

                  Comment


                  • #10
                    Re: Does anyone own rental property?

                    Rental properties can be great money makers.

                    Who makes money? The contractors that do the rehab at the beginning and every time a vacancy occurs, especially Section 8, as well as the realtor(s) and the title companies, and the banks that finance it all.

                    If the owner of the rental property is lucky that owner might actually be able to tread water or make a little money until inflation truly takes off and investors return to hard asset classes like real estate for protection.

                    Of course if you happen to personally know people with HGTV and can get on one of their shows...cha CHING!

                    Comment


                    • #11
                      Re: Does anyone own rental property?

                      Originally posted by Brad8888 View Post
                      Rental properties can be great money makers.

                      Who makes money? The contractors that do the rehab at the beginning and every time a vacancy occurs, especially Section 8, as well as the realtor(s) and the title companies, and the banks that finance it all.

                      If the owner of the rental property is lucky that owner might actually be able to tread water or make a little money until inflation truly takes off and investors return to hard asset classes like real estate for protection.

                      Of course if you happen to personally know people with HGTV and can get on one of their shows...cha CHING!
                      I take it you have had a pretty bad experience in rental properties?
                      You can't get champagne from a garden hose.

                      Comment


                      • #12
                        Re: Does anyone own rental property?

                        Originally posted by graphic-er View Post
                        I take it you have had a pretty bad experience in rental properties?
                        I think his comment was pretty extreme, but those dangers are out there. I didn't have to do any rehab when we took over our place and I can think of a few of my friends and family who are renters and are good people that take care of the properties and pay their rent on time. But, you do have to consider everything. A hot water heater goes out, you have to pay for it.

                        Comment


                        • #13
                          Re: Does anyone own rental property?

                          My 1st wife worked at a local bank taking care of mortgage payments. She had one client with 30 rentals for which he paid 10 each month....he had them broken up in thirds. 30 days...60 days and 90 days late. When a group of 10 hit the 90 day point he would pay that group the next month he'd pay the next 10 and so forth. He said that was all he could count on being paid each month. Needless to say he it eventually caught up with him. Another good friend used to carry a gun when he went to collect rent but found the most effective trick was to take his 5 year old son along because people tend to stay calmer In front of kids.
                          Ever notice how friendly folks are at a shootin' range??.

                          Comment


                          • #14
                            Re: Does anyone own rental property?

                            Originally posted by indygeezer View Post
                            My 1st wife worked at a local bank taking care of mortgage payments. She had one client with 30 rentals for which he paid 10 each month....he had them broken up in thirds. 30 days...60 days and 90 days late. When a group of 10 hit the 90 day point he would pay that group the next month he'd pay the next 10 and so forth. He said that was all he could count on being paid each month. Needless to say he it eventually caught up with him. Another good friend used to carry a gun when he went to collect rent but found the most effective trick was to take his 5 year old son along because people tend to stay calmer In front of kids.
                            Sounds like these folks bought into crappy neighborhoods, and rented to even crappier tenants.
                            You gotta do background checks, work history, you gotta evaluate the potential tenants income, etc....
                            You can't get champagne from a garden hose.

                            Comment


                            • #15
                              Re: Does anyone own rental property?

                              Originally posted by ErikD. View Post
                              I think his comment was pretty extreme, but those dangers are out there. I didn't have to do any rehab when we took over our place and I can think of a few of my friends and family who are renters and are good people that take care of the properties and pay their rent on time. But, you do have to consider everything. A hot water heater goes out, you have to pay for it.
                              Yeah, thats the type of property i'm looking for. But even if the hot water heat goes out. Whats that cost at most? $400 for the heater from Lowes or Menards, and then another $400 to have a plumber or handy man install it? Water heater breaks every 7-10 years? Realistically anybody with some basic handy man skills can install a water heater. I had by neighbor install mine for about $300 a couple years ago. He spent about 1-2 hours installing it.
                              I imagine you pay a lot more if you just call XYZ plumbing company and have them do everything for you though.

                              If you are doing it right then you'll hold back some of that rent each month for capital expenditures later on the down the road.
                              You can't get champagne from a garden hose.

                              Comment

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