There’s a very very distinct between “ohh fuck, shit shit shit” and “shut your n**** mouth you fucking f*****”. Guess which one is bannable offence basically everywhere.
I just had a bad experience with a discord group of mods and Admins. It was an open server, but the focus was on a very specific population. It had dozens of channels, none really specific to the focus of the server.
There wasn’t a heavy flow of conversation, so when one would start and the topic would veer towards a different channel topic, the mods would immediately delete the entire conversation and warn everyone about keeping the conversations to their related channels.
Also, there have been several new people to the server that were definitely not part of the intended audience for it. They would come in and start being loud and annoying, but the mods wouldn’t kick them even though the new users would blatantly state the reason they joined was because they thought it was funny.
I eventually got angry with the mods when they added another and it was apparent they had no intention of cleaning up the server and making it more friendly and usable. So I gave them a piece of my mind and basically just told them everything I had issue with like I did above. I knew they were going to ban me, I asked them to ban me. That server brought me no joy.
Was I rude? Depends on your viewpoint. I didn’t drop any slurs, but I did it in the open and I cussed a couple times. But also, the mods both weren’t doing their jobs and were acting as kings of a tiny castle. Be respectful and listen to what people are saying. You may be missing something they are pointing out, and while they are the only people saying it, I promise other people are thinking it.
TLDR: Low interest debt that provides long term financial gain is good. Mortgage for primary residence is almost always considered good. Loans to invest into your home that increase its value and make it more reliable/long standing is good. Low interest debt to buy assets for your business is good. Reasonable loans for college is considered good.
Car loans are a bit harder because they lose value as time goes on. But a small loan with good interest is usually considered fine for a car. Buying a brand new car with a loan will almost always be bad, since you’re paying interest to use a depreciating asset. But basically a car loan is always bad if it ever goes upside down, meaning you owe more on the loan than the car is worth. New cars that happens almost instantly.
Whatever rule you set, be transparent about it, be open to feedback about it, and enforce it fairly.
I think most powertripping mods end up being unlikable due to one of several reasons:
passes a new rule that people don’t like. Refuses to (or pretends to) listen to feedback when people get upset about it
enforces an existing rule more harshly against people they don’t like, often to the point where the mod would first decide that a user should be banned, and then try to find a justification for banning that user. (As opposed to the normal process, where a mod notices rule breaking, and then decides whether the user should be banned)
Complementing the previous point, gets into petty arguments. Mods are meant to be the role model of the community, and that inherently means being the “bigger man” basically all the time. You need to be able to take insults and know not to respond.
I had pretty substantial CC debt about a year ago. Nearing $14k. After health issues, having to move, replace many belongings, car repairs, etc. Used a 401k loan to pay off 10k of it, and since that loan was paid off (it was over $800 a month) I’ve paid the rest down under $3k, and should hopefully have it paid off by either year end or spring at the latest. Currently it’s sitting in 0% APR though, so it’s at least not eating away with interest.
During my senior year of college, I made a burner Google account for my girlfriend and I to use with apartment/property websites. We needed a place to live after graduation, but neither of us wanted to use our personal email addresses to make accounts because fuck 'em.
The last year of engineering school requires completing a design project, typically for real business owners. My senior design team and I had a weekly video chat with my clients where we gave progress updates on our project.
During my video call the week after I made this burner Google account, the first thing my clients say is “OP, what is wrong with your name? It says something very strange.” I had no idea what they meant by this, so I shrugged it off and the meeting continued.
Later that week while I was driving home from class, what they meant finally dawned on me. I forgot to log out of my burner account before joining the video call, and the name I gave this account was “Joe Lickembottom.” So instead of my real name shown under my face during this meeting, Joe Lickembottom was.
This may not sound that bad, but one client is a self-made Texas rancher sorta character, and the other is a retired Navy SEAL commander. These people meant business and were dead serious the whole time I worked with them.
But hey, they offered me a job after graduation so they must’ve not thought too much of it haha
If you sit in a hotel lobby long enough, most properties will eventually kick you out. You can usually get away with it during the day, but you’ll start to stick out more the later in the day it gets. At night, the night auditor probably won’t even let you in the front door.
Pretend like you belong there if you do need to hang out in a lobby for a while, and don’t make a mess.
I haven’t modded on Lemmy so not sure how applicable these all are.
When removing a comment, cite the specific rule they are in violation of. It helps them understand why, it helps anyone else in the community know why, and it helps yourself and other mods if the person appeals down the road. Be transparent.
When removing a comment because a portion is unacceptable, i.e., they throw in an unnecessary slur when the rest of the comment is fine, offer to restore the comment once they edit it to remove the slur.
Establish ban guidelines within the mod group. First time offense? One day. Egregious offense? What’s the threshold for “egregious” and when does it result in permaban? This person who got a 1-day ban for the f-slur, is the same ban length being consistently applied to other users of the f-slur?
If you feel a personal dislike of a user, check your decisions against another mod for an outside perspective. Or better yet, just ask them to mod that particular comment/post and remove yourself from the conflict of interest.
I’m not even into film making, but these guys are amazing interviewers. They made Tales From the Crypt and lots of other series and features and talk about the process, politics, and funding issues.
Key to being a good mod is to have very clear rules, so when you warn/ban someone you can point to the rule number and not get into an argument about it.
If someone is clear/consistent/understanding/honest/courageous with enforcement, the rest is subjective. These aren’t just any five random adjectives either, they are the ones that come to mind first (the first one foremost, which is why my server infamously has a myriad of listed guidelines). Can’t really do anything about the rest though. And sometimes you do have to remind people it’s your burrow (Lemmy equivalent term for subreddits) and cannot be blamed for any ban prescribed by the fine print no matter how abrupt it is.
Can we afford it? Yes, with reasonable budgeting, no sacrifices needed.
Will the car appreciate? Undeniably.
Do we need a toy like this? Fuck no.
Did it anyway. I’ve been poor for such a long time it’s really hard to justify any frivolous purchase at all, but we have good jobs now. I waffle between “This is stupid” and “I’ll never get to do this again, so why not now?” Literally YOLO.
The rest of debt is “good”, like the mortgage building equity, a CC to keep credit rating good (paid off monthly).
Hah, too old for that risky stuff. Hitting a wall at a buck twenty doesn’t sound like fun. Yeah, they absolutely are race cars, but they are built to be street legal as well. That’s the direction I’m in.
If you look at all the cars that have ever existed 99/100 times that car is deprecating.
Yes, OP may have bought a classic car or something with high resale value. I was simply speaking in generalizations. The vast majority of cars depreciate in value once you drive them off the lot.
TBF you made generalizations that a) they don’t appreciate, and b) my car’s value depreciated off the lot directly to the initial statement I made that the car I purchased would appreciate.
I can assure you that these statements are incorrect in regards to my purchase. If you want to walk back your statements to not be in reference to my initial position, who were you talking to then?
I guess my mortgage could be considered bad debt on account of being adjustable interest rate - this is however the most common type of mortgage arrangement in Sweden where I live. This has led to my interest rate costs going up an eye watering 400% in about a year.
I’ve got ~130k in loans on it. I’m in the privileged position of being able to pay it off fully if the interest rate costs start exceeding the expected returns from the stock market, though, so feel no need to shed even a single tear for me.
The Swedish housing market is a classic zero interest trap story - low interest rates combined with tax incentives and housing availability rates leading to ownership being significantly more lucrative - has led to prices skyrocketing and debt to income ratios spiraling out of control. With adjustable rates being the most common arrangement - again, due to some truly psychotic public policy - now the population that lent money to buy homes are stuck with sickening monthly payments and no way to get out of the debt, since the prices have dropped below purchase price. Not too much though, because of how crazy scarce the housing is.
I guess my mortgage could be considered bad debt on account of being adjustable interest rate - this is however the most common type of mortgage arrangement in Sweden where I live. This has led to my interest rate costs going up an eye watering 400% in about a year.
As a Dane am I envious of some of your systems like investeringssparkonto, but we have the better mortgage system. My home loan is locked in at 1% for 30 years.
You guys have had ENORMOUS immigration over the last eight years without building homes at commensurate rates. No wonder it placed pressure on housing. I don’t think your government had a realistic housing and immigration plan. I guess that’s why they were voted out. I hope things improve.
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