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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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Money - Short term saving

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  • Money - Short term saving

    So I'm 25, have a wife and a 3 yr old daughter, and I've spent some time making myself reasonably happy with my knowledge of retirement savings options as well as educational savings options for my daughters future. The two issues seem to be very similar (both long term oriented for me, various IRA options, tax deferred or exempt goals, determining the level of diversification for security and risk for growth potential) with only a limited amount of different factors and options that I believe I've got at least a handle on.

    Short term savings however seem to be an altogether different question. Government bills/notes, Money Market Deposits/Funds, various bond options, CDs, I shutter to think of how long I could spend reading computer screens worth of descriptions, Pros/Cons, opinions and options. I've read some general guides as to how to calculate what short-term savings needs and I've got a list of the general pro's and con's of what appear to be most of the options but I'm not close to being secure in my understanding of most of these, nor could I make a decision right now as to where to go with how much.

    I know that some people see "financial" questions as more personal than even "bedroom issues" at times but there appear to be a good number of ... lets just say "out of your 20s" folks here. Does anyone have any experience with short term savings, understanding, or preferences they'd be willing to share?

  • #2
    Re: Money - Short term saving

    I'm only 18 but I have taken a lot of business classes and am familar with savings and investing.

    First in formost, I would advice to hire a financial advisor. They watch the market daily and they can help you a lot.

    Secondly, don't put all your money in one place. Every teacher i've had and every speaker i've heard has said this. Don't put all your money in a CD, or in bonds, or money markets, etc. Spread it out.

    So again just have a financial advisor or planner and be sure that you have your money spread out.

    Comment


    • #3
      Re: Money - Short term saving

      Originally posted by rommie View Post
      First in formost, I would advice to hire a financial advisor. They watch the market daily and they can help you a lot.
      Anybody that I can afford wouldn't be worth the money.

      Seriously, financial consultants don't make that much. I'm not sure I'd trust my money to a guy who makes little enough for me to be able to afford him.
      This space for rent.

      Comment


      • #4
        Re: Money - Short term saving

        Fool-

        How much do you usually keep in short term savings? How long do you keep it there?
        This space for rent.

        Comment


        • #5
          Re: Money - Short term saving

          We keep just enough in our checking account to cover monthly bills (<3K or so at all times). Then we have an "emergency fund" money markey account that could be tapped into for unexpected big expenses. You can write checks from the account so the money is available in days. I draws interest but isn't great so we don't keep much in there either. I think advisors say it should be 3 months salary and we are well short of that, maybe half. I've always preferred money markets over CDs since the money, if needed for emergencies, is readily available. The rate isn't much different, if you shop around.

          Then we have mutual fund investments (4 or 5 with various goals but generally growth-oriented) which earn way higher return but the money would not be as quickly available but it could serve as an emergency fund in case of job loss/ catastrophe. They outperform CDs on average but of course are market-dependent.

          Then we have various retirement and college savings funds.

          I'm not sure my plan is ideal, but it seems OK so far.

          We need to up our college fund contributions by a lot. I have 3 kids.
          The poster "pacertom" since this forum began (and before!). I changed my name here to "Slick Pinkham" in honor of the imaginary player That Bobby "Slick" Leonard picked late in the 1971 ABA draft (true story!).

          Comment


          • #6
            Re: Money - Short term saving

            Rommie - I agree that diversifying is always a smart plan but I would also characterize myself as Anthem characterized himself, either I'd spend all the savings paying the guy's fee or he'd be too inexpensive to trust. Plus, some of the value of doing it myself is learning about all of this so while it might cost me some lost gains, I'd rather not just hand over my cash for someone else to deal with.

            Anthem-
            I don't want to talk in specific dollar amounts as I'm not trying to get people to disclose their personal financial situations, just share some thoughts on various short term savings vehicles.

            The short term saving I'm talking about is pretty much the equivalent of 3 months worth of my and my wife's salaries in case one of us is unexpectedly let go or something + down payments or the full amount of any big ticket purchases we expect to buy in the near (2-3 years) future.

            Some of it I don't expect to use (the emergency 3 month salary part) so I expect to keep it long term but it has to be accessible either at any time or at least reasonably quickly.

            The big ticket purchases side of things is another story. Right now, the only thing we are planning to do that could be considered a "large purchase" is siding our house and I'm doing the labor on that (I've got a good deal of experience siding and 3 brothers) so its not all that big a price anyway. But in general I would imagine it being anywhere from a 6-24 month period before I needed access to the money.

            Hopefully I'll find some time this weekend to look through some specific options, throw them out here and see if anyone has any thoughts on them. Right now the only thing I've had time to do is realize that only 1/3 of the 3 month emergency fund needs to be accessible at any given time with the other 2/3s accessible the following months, so if I do go the route of something that locks it away for a set period of time, a rotational maturity cycle would probably be the best % growth while still keeping it accessible.

            Comment


            • #7
              Re: Money - Short term saving

              Originally posted by Fool View Post
              Anthem-
              I don't want to talk in specific dollar amounts as I'm not trying to get people to disclose their personal financial situations, just share some thoughts on various short term savings vehicles.
              That's reasonable. I was only asking because I wondered how much of a return you're going to get. Spending 3 days shopping around isn't likely to be helpful if it's only going to net you an extra $10 per year.
              This space for rent.

              Comment


              • #8
                Re: Money - Short term saving

                Originally posted by pacertom View Post
                I've always preferred money markets over CDs since the money, if needed for emergencies, is readily available. The rate isn't much different, if you shop around.
                Have you ever had to dip into your money market account? I understand the negative about CD's being less accessible, have you found the accessibility of the money market account any sort of negative (like since its more accessible you find yourself using it for things that aren't exactly "emergencies")?

                What about saving up for expected large expenses? Right now we just throw it into a new savings account but that's really just been laziness. I'd like to find sort of a routine I'm comfortable with for saving up for larger non-essential things.

                Comment


                • #9
                  Re: Money - Short term saving

                  Originally posted by Fool View Post
                  Have you ever had to dip into your money market account? I understand the negative about CD's being less accessible, have you found the accessibility of the money market account any sort of negative (like since its more accessible you find yourself using it for things that aren't exactly "emergencies")?
                  I have a money market fund that's in a bank 50 miles away. I told them I don't want checks with it so I have to physically drive there to make a withdrawal. It's an emergency fund though I also use it for large planned expenses such as putting a new roof on the house.

                  My rules for it are simple - I never let the balance fall below 2 months' pay and when it gets up around 4 months' pay I move some of it somewhere else (or splurge on something). Of course in a true emergency, which I haven't had yet, I might have to draw it down further.

                  I started this with a simple savings account at the same bank with no ATM card. Once it got big enough after a couple of years I went to MM. Direct Deposit, obviously.
                  The poster formerly known as Rimfire

                  Comment


                  • #10
                    Re: Money - Short term saving

                    Originally posted by Fool View Post
                    Have you ever had to dip into your money market account? .

                    So far we've been good and only used it to replace the roof. We got a leak on a 15 year old roof that we were planning to replace in 5 years but had to act immediately.

                    We save for everything else. My wife wants to remodel the kitchen and I want to buy a boat, everybody has a dream vacation, but those things are definitely NOT emergencies. They get done when the money market funds are large enough that we can spend on something like that and we still have an adequate emergency fund left over.
                    The poster "pacertom" since this forum began (and before!). I changed my name here to "Slick Pinkham" in honor of the imaginary player That Bobby "Slick" Leonard picked late in the 1971 ABA draft (true story!).

                    Comment


                    • #11
                      Re: Money - Short term saving

                      DP, is it a fund or an account?

                      Introducing a physical impediment is a very good idea.

                      No one uses any kind of bonds or notes?

                      (Thank you all for your responses btw)

                      Comment


                      • #12
                        Re: Money - Short term saving

                        Originally posted by Fool View Post
                        DP, is it a fund or an account?

                        Introducing a physical impediment is a very good idea.

                        No one uses any kind of bonds or notes?

                        (Thank you all for your responses btw)
                        Sorry - it is an account and I can withdraw up to 5X/mo with no penalty - but the only way I can do that is by driving to the bank.

                        Shouldn't say "only" in this day and age but I haven't explored wire or on-line transfers.

                        The way this actually started is I worked in that town & had accounts in that bank and a car loan through it. When I moved I also got a raise and applied the amount of the raise to the savings acc't (closed the others).

                        The kicker was the auto loan - I paid that through payroll deduction (not account withdrawal - I can't remember why I set it up that way but it worked out). The month after it was paid off I looked for my DD locally to go up by $400. It didn't so I called them and asked what happened since I'd received the title & everything. They said they automatically took out the same amount & deposited it in my savings. Initially I was PO'd but after thinking about it for a bit I decided I hadn't missed any meals paying off the car so why not? The balance skyrocketed and about a year later I closed the savings and opened the MM.
                        The poster formerly known as Rimfire

                        Comment


                        • #13
                          Re: Money - Short term saving

                          Originally posted by DisplacedKnick View Post
                          My rules for it are simple - I never let the balance fall below 2 months' pay and when it gets up around 4 months' pay I move some of it somewhere else (or splurge on something). Of course in a true emergency, which I haven't had yet, I might have to draw it down further.
                          My old boss had a system where he tried to add a month of savings for every year he worked. He did that until he had a year's salary in the bank... then he always went into work with the thought "I could walk out today and not need a job for another year." He never did, but it was precisely because he could. That 12-month savings kept him happy and productive.
                          This space for rent.

                          Comment


                          • #14
                            Re: Money - Short term saving

                            I am actually an Assistant Branch Manager of a bank on the southside of Indy in the Wanamaker area. I deal mainly with CD's, Money Markets, Checking/Savings accounts, and loans. We are in a new branch and have a TON of rate promos running right now (especially on CDs and loans.) Send me a PM if you or anyone would like to talk specifics.

                            -Justin

                            Comment


                            • #15
                              Re: Money - Short term saving

                              Originally posted by rommie View Post
                              First in formost, I would advice to hire a financial advisor. They watch the market daily and they can help you a lot.
                              Not sure this is good advice. A financial advisor is a broker. As a general rule of thumb, the key for success as a financial advisor is not their ability to provide financial advise, its their ability to get you to pay them for services or financial transactions that you may or may not need.

                              And for whatever money they make, they don't prove to be very good at "buy low, sell high". They're salespeople.

                              A much more affordable, and equally effective way for individual investors is no-load mutual funds. You're paying a money manager for diversification and to pick the investments (or even smarter, you are investing in a passive index fund: making the same, or slightly higher return than an actively-managed fund while paying a much lower management fee) on either a tax-favorable or taxable basis.

                              For short term savings, there are money market mutual funds that allow some flexibility for withdrawals and might have a higher yield than CDs or traditional money-market accounts. Again, you're hiring a money manager to invest/ diversify for you (and that's a lot cheaper and more effective than a financial advisor/ broker), and you'll find accounts that invest in commercial paper (generally very safe), US T-bills (almost no default risk) and the like. Most importantly, you will find those are frequently designed for after-tax accounts, so there's much less "churn" of investments (they'll buy a 45-day commerical paper at a discount and hold it to maturity) so you don't get socked with a tax burden for realized gains like you would if you held an equity mutual fund outside of tax-deferred account.

                              Having said all that, I'm not exactly a role-model for short term savings...
                              Why do the things that we treasure most, slip away in time
                              Till to the music we grow deaf, to God's beauty blind
                              Why do the things that connect us slowly pull us apart?
                              Till we fall away in our own darkness, a stranger to our own hearts
                              And life itself, rushing over me
                              Life itself, the wind in black elms,
                              Life itself in your heart and in your eyes, I can't make it without you

                              Comment

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