The Money Mustache Community

Other => Off Topic => Topic started by: APowers on October 04, 2018, 10:11:17 PM

Title: R.I.P. Boarder42
Post by: APowers on October 04, 2018, 10:11:17 PM
In loving memory of our dearly departed @boarder42. Who shall forever remain in our hearts and minds as a champion for all who would maximize their investment returns by fully utilizing the advantages of fixed low-rate mortgages.

I didn't interact much with Boarder42, but I will admit I got a good LOL from the "I FIRED by eating out every day" and related threads.

I thought it might be fun to share what value he provided here on the forums, now that he's been banned forever.
Title: Re: R.I.P. Boarder42
Post by: Roots&Wings on October 05, 2018, 06:38:39 AM
What, what, what?! Why is boarder banned forever?
Title: Re: R.I.P. Boarder42
Post by: FIPurpose on October 05, 2018, 06:43:19 AM
Wait is he dead or banned or no? He's usually been a very fun member to interact with.
Title: Re: R.I.P. Boarder42
Post by: Roots&Wings on October 05, 2018, 07:05:50 AM
Thanks for posting the ban link. That's too bad. Despite the abrasiveness, which might have been reigned in with a warning, boarder provided a lot of value (and humor, for those who can sense humor online; from the Mustachian Sacred Cows thread, a lot of people can't).
Title: Re: R.I.P. Boarder42
Post by: Cromacster on October 05, 2018, 07:20:51 AM
Bummer, going to miss him around here.
Title: Re: R.I.P. Boarder42
Post by: hoping2retire35 on October 05, 2018, 07:22:10 AM
His profile says last active yesterday at 11:36

https://forum.mrmoneymustache.com/profile/?u=11328
Title: Re: R.I.P. Boarder42
Post by: ketchup on October 05, 2018, 08:11:28 AM
Wait is he dead or banned or no? He's usually been a very fun member to interact with.

He was perma-banned (https://forum.mrmoneymustache.com/share-your-badassity/paid-off-mortgage-people-how-long-did-it-take-you-to-pay-off-the-house-96556/msg2152405/#msg2152405) September 29, 2018, around 6:30PM.

I found him super annoying initially, but I hopped on his "shame train" in the above thread, because it is frustrating that people are dogmatic about mortgage payoff even when it has a huge impact on your FIRE date and potentially, financial stability (if you go crazy paying down without a safety net, and you lose your job, you're screwed!) So I figured I'd try to help convince people with a "lighter touch." I'm not sure if I'm good at that...

But people don't change their minds about things often.
I'm kind of in the same boat.  I found him very abrasive at first, but he makes a huge point that many completely discount.  I used to be in the opposite camp but have completely flipped.  I've tried my own "lighter touch" on a few occasions, but who knows if that will change any minds.
Title: Re: R.I.P. Boarder42
Post by: GuitarStv on October 05, 2018, 08:16:02 AM
The advice being pushed as 'always correct' wasn't if you happen to live in a country other than the US.  It was certainly frustrating to see country specific advice constantly dogmatically given out over and over without acknowledgement of that fact.
Title: Re: R.I.P. Boarder42
Post by: ketchup on October 05, 2018, 08:17:56 AM
The advice being pushed as 'always correct' wasn't if you happen to live in a country other than the US.  It was certainly frustrating to see country specific advice constantly dogmatically given out over and over without acknowledgement of that fact.
Well, *I* always have made a point to have that caveat if the situation isn't already clear. :P

"Given you have access to spherical long-term, fixed interest rate loans in a vacuum..."
Title: Re: R.I.P. Boarder42
Post by: Milkshake on October 05, 2018, 08:20:13 AM
Seriously? I thought he had a lot of good insight. I didn't agree on everything, but he gave me a lot to consider which has helped me determine the direction I want to go.

Other people hammer on stupid shit all the time, over and over and over and over...

Sometimes it seems the moderators have a strong sense of "judge, jury and executioner", based on what they feel is right or wrong.
Title: Re: R.I.P. Boarder42
Post by: oldmannickels on October 05, 2018, 08:27:45 AM
I don't like boarder42, but they shouldn't be banned.
Title: Re: R.I.P. Boarder42
Post by: limeandpepper on October 05, 2018, 08:41:46 AM
Sometimes it seems the moderators have a strong sense of "judge, jury and executioner", based on what they feel is right or wrong.

I can see why the moderators did what they did. Depends, if they hadn't given him warnings and just banned him, that's harsh. But if they had warned him and he continued trolling, well then...

Relevant:

I will admit I got a good LOL from the "I FIRED by eating out every day" and related threads.

This might have gone over some people's heads, but I'm pretty sure those threads (the eating out and buying a truck ones) were not meant to stand by themselves as a lighthearted thing - they were created specifically to mock people who pay down their mortgages. Frankly I don't think it makes for a good atmosphere in a forum when people do that sort of thing. It creates a bullying atmosphere. Imagine if you created a thread in this forum, and someone created another thread to parody you, and imagine every forum member is allowed to do that without repercussions - I don't think that would make for a pleasant environment. I feel parodying other forum members is pretty mean-spirited stuff but looking at the responses in this thread, I guess I'm in the minority with that thought. I guess that's why I don't hang out in the main section of the forum much anymore, if so many people here think it's okay. Shrug.
Title: Re: R.I.P. Boarder42
Post by: Milkshake on October 05, 2018, 09:00:52 AM
This might have gone over some people's heads, but I'm pretty sure those threads (the eating out and buying a truck ones) were not meant to stand by themselves as a lighthearted thing - they were created specifically to mock people who pay down their mortgages. Frankly I don't think it makes for a good atmosphere in a forum when people do that sort of thing. It creates a bullying atmosphere.

Poor taste perhaps, but to call it bullying seems a bit excessive. I've seen quoted posts from other parts of the forum in the "Antimustachian Wall of Shame" board, and no one was excommunicated. I think that's in the same vein of shaming.

It just concerns me if we start removing opposing views from our sound space, and soon we become an echo chamber that has no alternative points or thoughts. Suddenly we become my weird uncle's Facebook page.
Title: Re: R.I.P. Boarder42
Post by: DS on October 05, 2018, 09:07:40 AM
This might have gone over some people's heads, but I'm pretty sure those threads (the eating out and buying a truck ones) were not meant to stand by themselves as a lighthearted thing - they were created specifically to mock people who pay down their mortgages. Frankly I don't think it makes for a good atmosphere in a forum when people do that sort of thing. It creates a bullying atmosphere.

Poor taste perhaps, but to call it bullying seems a bit excessive. I've seen quoted posts from other parts of the forum in the "Antimustachian Wall of Shame" board, and no one was excommunicated. I think that's in the same vein of shaming.

It just concerns me if we start removing opposing views from our sound space, and soon we become an echo chamber that has no alternative points or thoughts. Suddenly we become my weird uncle's Facebook page.

In these specific examples, the posts were mainly trolling and a joke. Things went a little overboard, even though it was very funny. The opposing views were allowed in every area except for the payoff celebration thread.

Maybe a moderator would like to weigh in and wrap up the topic? @FrugalToque @arebelspy
Title: Re: R.I.P. Boarder42
Post by: limeandpepper on October 05, 2018, 09:22:58 AM
This might have gone over some people's heads, but I'm pretty sure those threads (the eating out and buying a truck ones) were not meant to stand by themselves as a lighthearted thing - they were created specifically to mock people who pay down their mortgages. Frankly I don't think it makes for a good atmosphere in a forum when people do that sort of thing. It creates a bullying atmosphere.

Poor taste perhaps, but to call it bullying seems a bit excessive. I've seen quoted posts from other parts of the forum in the "Antimustachian Wall of Shame" board, and no one was excommunicated. I think that's in the same vein of shaming.

I don't like those posts either... though I think actually making a thread takes it to another level. I think if you want to give someone a face punch just doing it to their face is enough... lol. No need to double up elsewhere, mocking them somewhere else where you're no longer addressing the person directly but they can still see it, just doesn't seem cool to me. That's like if you're hanging out with your friends and are deliberately saying mean things about another person who happens to be in the same room and within earshot but not part of your clique, and you're talking about them loudly flaunting how mean you can be and relishing it. If you think that's fine, I guess we'll just have to agree to disagree.
Title: Re: R.I.P. Boarder42
Post by: FIPurpose on October 05, 2018, 09:26:06 AM
The advice being pushed as 'always correct' wasn't if you happen to live in a country other than the US.  It was certainly frustrating to see country specific advice constantly dogmatically given out over and over without acknowledgement of that fact.

Especially since rates in the US are going up and will probably be in the 5% range sometime next year. The math looks less appealing the further it goes.



... on a side note. I like the idea of Boarder42 reeling in his chair reading this without being able to post....
Title: Re: R.I.P. Boarder42
Post by: Milkshake on October 05, 2018, 10:37:55 AM
This might have gone over some people's heads, but I'm pretty sure those threads (the eating out and buying a truck ones) were not meant to stand by themselves as a lighthearted thing - they were created specifically to mock people who pay down their mortgages. Frankly I don't think it makes for a good atmosphere in a forum when people do that sort of thing. It creates a bullying atmosphere.

Poor taste perhaps, but to call it bullying seems a bit excessive. I've seen quoted posts from other parts of the forum in the "Antimustachian Wall of Shame" board, and no one was excommunicated. I think that's in the same vein of shaming.

I don't like those posts either... though I think actually making a thread takes it to another level. I think if you want to give someone a face punch just doing it to their face is enough... lol. No need to double up elsewhere, mocking them somewhere else where you're no longer addressing the person directly but they can still see it, just doesn't seem cool to me. That's like if you're hanging out with your friends and are deliberately saying mean things about another person who happens to be in the same room and within earshot but not part of your clique, and you're talking about them loudly flaunting how mean you can be and relishing it. If you think that's fine, I guess we'll just have to agree to disagree.

I never said it was fine, in fact, I said it was in poor taste. I don't think it constitutes bullying though, and that is what I stated.

You are making both ad hominem and straw man arguments.

In these specific examples, the posts were mainly trolling and a joke. Things went a little overboard, even though it was very funny. The opposing views were allowed in every area except for the payoff celebration thread.

Maybe a moderator would like to weigh in and wrap up the topic? @FrugalToque @arebelspy

I would be interested to hear a moderator's response, mostly out of curiosity more than anything.
Title: Re: R.I.P. Boarder42
Post by: MasterStache on October 05, 2018, 11:48:49 AM
Sometimes it seems the moderators have a strong sense of "judge, jury and executioner", based on what they feel is right or wrong.

I can see why the moderators did what they did. Depends, if they hadn't given him warnings and just banned him, that's harsh. But if they had warned him and he continued trolling, well then...

Relevant:

I will admit I got a good LOL from the "I FIRED by eating out every day" and related threads.

This might have gone over some people's heads, but I'm pretty sure those threads (the eating out and buying a truck ones) were not meant to stand by themselves as a lighthearted thing - they were created specifically to mock people who pay down their mortgages. Frankly I don't think it makes for a good atmosphere in a forum when people do that sort of thing. It creates a bullying atmosphere. Imagine if you created a thread in this forum, and someone created another thread to parody you, and imagine every forum member is allowed to do that without repercussions - I don't think that would make for a pleasant environment. I feel parodying other forum members is pretty mean-spirited stuff but looking at the responses in this thread, I guess I'm in the minority with that thought. I guess that's why I don't hang out in the main section of the forum much anymore, if so many people here think it's okay. Shrug.

I agree with the above. I think you can offer good sound advice and provide the math to back up your claims. But you should leave it at that. I think Boarder perhaps took it a bit too far when he started mocking people who's mind he was trying to change.
Title: Re: R.I.P. Boarder42
Post by: patchyfacialhair on October 05, 2018, 11:56:54 AM
Dang. Dude was annoying but added some solid insight. He convinced me to stay the course and keep my mortgage to term.

RIP lol
Title: Re: R.I.P. Boarder42
Post by: Bateaux on October 05, 2018, 12:34:22 PM
Just found out abkut this.   B42 could be an arrogant at times,  never thought he'd be banned.  Must have made personal attacks.  He just crossed the 1 Million mark recently.  He's banned but at least wealthy.
Title: Re: R.I.P. Boarder42
Post by: Roots&Wings on October 05, 2018, 12:37:40 PM
I feel parodying other forum members is pretty mean-spirited stuff but looking at the responses in this thread, I guess I'm in the minority with that thought. I guess that's why I don't hang out in the main section of the forum much anymore, if so many people here think it's okay. Shrug.

Certainly personal attacks go too far, and the MMM-style facepunch parody may have been used a bit aggressively.

The main section of this forum has unfortunately lost a lot of long-term MMM members. Boarder at least tried to bring some financial sanity back to it.
Title: Re: R.I.P. Boarder42
Post by: bridget on October 05, 2018, 12:47:37 PM
Eh, I'm not sad he's gone. For several months now I've skipped past his comments, and responses to his comments, whenever I see them. He seemed unable to make a post that didn't express aggression or contempt, and he usually made it very clear that whoever he was responding to was an idiot, either expressly or very heavily implied. There are plenty of other people on the forum who can and will say that typically, paying off a mortgage early is not optimal, and they can say it more respectfully. 

Plus, he never used punctuation. :)
Title: Re: R.I.P. Boarder42
Post by: DreamFIRE on October 05, 2018, 04:48:49 PM
Sometimes it seems the moderators have a strong sense of "judge, jury and executioner", based on what they feel is right or wrong.

I can see why the moderators did what they did. Depends, if they hadn't given him warnings and just banned him, that's harsh. But if they had warned him and he continued trolling, well then...

There was some pretty serious trolling going on.  I was reading through that thread just recently not knowing he had been banned yet and was surprised when I got to the point where the moderator said a lot of posts were deleted.  It was bad enough trolling with just the posts that remained - so I apparently missed the worst of the trolling due to the deletions.

I remember boarder was all over the mortgage stuff and didn't like it when I made a reference to a "one trick pony".
Title: Re: R.I.P. Boarder42
Post by: big_owl on October 05, 2018, 06:37:51 PM
Oh please, that dude compared the death of a spouse to stepping in a puddle of water and getting your shoes wet.  I'll miss him like I miss a good case of chlamydia.
Title: Re: R.I.P. Boarder42
Post by: mrcheese on October 05, 2018, 06:41:20 PM
Eh, I'm not sad he's gone. For several months now I've skipped past his comments, and responses to his comments, whenever I see them. He seemed unable to make a post that didn't express aggression or contempt, and he usually made it very clear that whoever he was responding to was an idiot, either expressly or very heavily implied. There are plenty of other people on the forum who can and will say that typically, paying off a mortgage early is not optimal, and they can say it more respectfully. 

Plus, he never used punctuation. :)

There are about 6 or 7 regular posters that I skip over, because I know what they are going to say on any given topic. Even if it's irrelevant ;)
Title: Re: R.I.P. Boarder42
Post by: Telecaster on October 05, 2018, 07:42:38 PM
I like boarder, but he clearly went waaaaaaaaaaay beyond what is normally tolerated around here.   

A lot of it was performance art (at least I think it was), but he pushed the bounds pretty hard. 
Title: Re: R.I.P. Boarder42
Post by: marty998 on October 05, 2018, 07:45:57 PM
I like boarder, but he clearly went waaaaaaaaaaay beyond what is normally tolerated around here.   

A lot of it was performance art (at least I think it was), but he pushed the bounds pretty hard. 

Yes I got that similar impression. Shock value I suppose.

Silly thing is, he acknowledged it took himself a long time to come around to the view that paying off a mortgage early was bad. The disconnect was that he didn't permit anyone else to "take their time" coming to that conclusion too.
Title: Re: R.I.P. Boarder42
Post by: pbkmaine on October 05, 2018, 07:59:51 PM
I thought he was insightful, ironic and funny.
Title: Re: R.I.P. Boarder42
Post by: DavidAnnArbor on October 05, 2018, 08:05:36 PM
There was an energetic and very opinionated quality to his posts and at times he was aggressive, but I guess I never read the threads where he would attack people.

I thought Border made some great points.
Title: Re: R.I.P. Boarder42
Post by: 2Birds1Stone on October 06, 2018, 03:22:01 AM
Eh, I'm not sad he's gone. For several months now I've skipped past his comments, and responses to his comments, whenever I see them. He seemed unable to make a post that didn't express aggression or contempt, and he usually made it very clear that whoever he was responding to was an idiot, either expressly or very heavily implied. There are plenty of other people on the forum who can and will say that typically, paying off a mortgage early is not optimal, and they can say it more respectfully. 

Plus, he never used punctuation. :)

There are about 6 or 7 regular posters that I skip over, because I know what they are going to say on any given topic. Even if it's irrelevant ;)

I hope I made the list ;)
Title: Re: R.I.P. Boarder42
Post by: limeandpepper on October 06, 2018, 08:50:06 PM
For me, Boarder was one of the few long time posters that doesn't just hide in the journals chatting with their besties. 

I liked this forum better in the early days when it felt like a single dynamic city, where everyone was out on the street and it was one big street party.  Now it's groups of 3 or 4 people telling inside jokes, around a table at different suburban homes. 

Perhaps more people wouldn't hide in the journals if the main area was less snipey. I've thought about posting a thread in the "share your badassity" section before, but decided not to because I don't want to deal with people telling me that my post doesn't belong there. The concept of a forum being like a street party is great, too bad the fact is street parties can also turn into brawls, and some of us prefer to have less drama in our lives. You want everyone out on the street? Make the street a better place to be.
Title: Re: R.I.P. Boarder42
Post by: maizeman on October 06, 2018, 08:59:45 PM
I didn't get along with him all the time, but I'm sorry to see him gone. Like several others here, I credit boarder42 with actually convincing me to go from running numbers about mortgage paydown vs not to actually biting the bullet and going from paying a bit extra each month on my mortgage to just paying it down on schedule over the next 25-odd years.

@APowers thank you for posting this thread. A lot of names I've been reading for years and years just disappear and it can take months to realize they're never coming back. It feels better to know what happened somewhat contemporaneously with when it happened.

There are about 6 or 7 regular posters that I skip over, because I know what they are going to say on any given topic. Even if it's irrelevant ;)
I hope I made the list ;)

I'm betting I did a well. Good to be in such fine company!
Title: Re: R.I.P. Boarder42
Post by: mrcheese on October 07, 2018, 09:44:21 PM
I didn't get along with him all the time, but I'm sorry to see him gone. Like several others here, I credit boarder42 with actually convincing me to go from running numbers about mortgage paydown vs not to actually biting the bullet and going from paying a bit extra each month on my mortgage to just paying it down on schedule over the next 25-odd years.

@APowers thank you for posting this thread. A lot of names I've been reading for years and years just disappear and it can take months to realize they're never coming back. It feels better to know what happened somewhat contemporaneously with when it happened.

There are about 6 or 7 regular posters that I skip over, because I know what they are going to say on any given topic. Even if it's irrelevant ;)
I hope I made the list ;)

I'm betting I did a well. Good to be in such fine company!
no such luck ;)
Title: Re: R.I.P. Boarder42
Post by: talltexan on October 08, 2018, 11:44:21 AM
I still enjoy the energy in the DPOYM club. Boarder and I constantly debated the proper way to calculate rate of return for PMI, and he never convinced me of his position there. He was very good about acknowledging the limits of DPOYM rather than just being dogmatic.
Title: Re: R.I.P. Boarder42
Post by: RWD on October 08, 2018, 11:54:43 AM
I still enjoy the energy in the DPOYM club. Boarder and I constantly debated the proper way to calculate rate of return for PMI, and he never convinced me of his position there. He was very good about acknowledging the limits of DPOYM rather than just being dogmatic.
I intend to keep that thread going. Not paying down your mortgage lacks the [short term] tangible victory of seeing the numbers move. It's good to have a place to celebrate following the big picture plan even when that means not fiddling with things.

I also was never convinced by boarder's ROI calculations for getting rid of PMI. I made a few posts on this in the DPOYM thread and while he didn't seem to disagree with my math he came to a different conclusion than I did...
Title: Re: R.I.P. Boarder42
Post by: TexasRunner on October 08, 2018, 01:42:46 PM
Throwing in my hat in the ring that B42 took me from a Dave Ramsey mindset (without understanding that even he says to keep the mortgage) to a max liquidity mindset.
I have more in equity than in my emergency fund (still), but it is much better now than it was a year ago.  It was B42's math and input that showed me exactly how risky that path is.
If the "Kill all the debt" folks would explain the drawbacks to their decisions, B42's input wouldn't have been needed, but they never do (that I have seen).

Rest in peace. lol

Title: Re: R.I.P. Boarder42
Post by: Yankuba on October 08, 2018, 02:12:12 PM
For me, Boarder was one of the few long time posters that doesn't just hide in the journals chatting with their besties. 

I liked this forum better in the early days when it felt like a single dynamic city, where everyone was out on the street and it was one big street party.  Now it's groups of 3 or 4 people telling inside jokes, around a table at different suburban homes. 

Perhaps more people wouldn't hide in the journals if the main area was less snipey. I've thought about posting a thread in the "share your badassity" section before, but decided not to because I don't want to deal with people telling me that my post doesn't belong there. The concept of a forum being like a street party is great, too bad the fact is street parties can also turn into brawls, and some of us prefer to have less drama in our lives. You want everyone out on the street? Make the street a better place to be.

After reading the main forum for a year they become reruns - the same stuff over and over. The journals interest me more at this point. If I had a specific question on personal finance I would probably turn to the Bogleheads - they’re sharp with numbers.

I won’t miss Boarder - he was unnecessarily rude.
Title: Re: R.I.P. Boarder42
Post by: solon on October 08, 2018, 03:18:19 PM
His profile says he was on today, so he can probably see all this.
Title: Re: R.I.P. Boarder42
Post by: FIPurpose on October 08, 2018, 03:24:45 PM
His profile says he was on today, so he can probably see all this.

He's probably reading this right now from the forum here after.
Title: Re: R.I.P. Boarder42
Post by: wordnerd on October 08, 2018, 03:32:29 PM
His profile says he was on today, so he can probably see all this.

He's probably reading this right now from the forum here after.

He went to live on a farm upstate. Happily, that farm has a thirty year fixed mortgage.
Title: Re: R.I.P. Boarder42
Post by: TexasRunner on October 08, 2018, 05:00:13 PM
His profile says he was on today, so he can probably see all this.

He's probably reading this right now from the forum here after.

He went to live on a farm upstate. Happily, that farm has a thirty year fixed mortgage.

Good one. I lol'd.

I wonder if perma-ban is better or worse than a 'viewing mode only' perma-ban.  Where you can see bad math decisions being made but can't do anything to comment to stop them!  Almost fits the bill for 'cruel and unusual punishment'.
Title: Re: R.I.P. Boarder42
Post by: solon on October 08, 2018, 05:17:32 PM
I wonder why he doesn't just create a new user, using a VPN if necessary.
Title: Re: R.I.P. Boarder42
Post by: maizeman on October 08, 2018, 05:21:29 PM
I wonder why he doesn't just create a new user, using a VPN if necessary.

He may at some point. But online reputation is a tricky thing and folks with four figure post counts often have distinctive writing styles and ticks. If I was banned and had to start over from scratch, while haivjng to be careful to not sound too much like myself I am not sure I would be motivated enough to try to overcome that.
Title: Re: R.I.P. Boarder42
Post by: TexasRunner on October 08, 2018, 06:55:00 PM
I wonder why he doesn't just create a new user, using a VPN if necessary.

A shrewd poster would create a fake account now (through VPN) and comment sporadically to establish a lengthy baseline of existence, then when banned transition fully into that account.  Since it existed pre-ban, one can argue that it is not the banned party.

Now we just have to figure out who B42 has become....  lol
Title: Re: R.I.P. Boarder42
Post by: waltworks on October 08, 2018, 06:55:51 PM
Yeah, Corndude6969, we're onto you...

Boarder42 had a good point that he relentlessly beat into the ground. I have limited sympathies. He was the Christopher Hitchens of mortgage paydown - fundamentally right, but such a jerk about it that he inadvertently convinced people to pay them down instead.

-W
Title: Re: R.I.P. Boarder42
Post by: Paul der Krake on October 08, 2018, 07:19:06 PM
Now we just have to figure out who B42 has become....  lol
I am boarder42.
Title: Re: R.I.P. Boarder42
Post by: solon on October 08, 2018, 07:21:26 PM
(https://i.imgflip.com/2joyu9.jpg) (https://imgflip.com/i/2joyu9)via Imgflip Meme Generator (https://imgflip.com/memegenerator)
Title: Re: R.I.P. Boarder42
Post by: Bateaux on October 08, 2018, 08:05:18 PM
I am Border42
Title: Re: R.I.P. Boarder42
Post by: RWD on October 08, 2018, 08:12:07 PM
Some new account suspects!*
twig21 (https://forum.mrmoneymustache.com/profile/?u=45311) - 21 is 42 divided by 2!
chasedream2002 (https://forum.mrmoneymustache.com/profile/?u=45268) - "I am planning to accumulate 1M and pay off mortgage before FIRE."  Uhh, seems unlikely
Boofinator (https://forum.mrmoneymustache.com/profile/?u=45189) - "boarder42, thanks for giving me the impetus to join this forum."  Account was created one day before the ban.

* - I don't think any of these are actually boarder42
Title: Re: R.I.P. Boarder42
Post by: TexasRunner on October 08, 2018, 08:31:13 PM
Some new account suspects!*
twig21 (https://forum.mrmoneymustache.com/profile/?u=45311) - 21 is 42 divided by 2!
chasedream2002 (https://forum.mrmoneymustache.com/profile/?u=45268) - "I am planning to accumulate 1M and pay off mortgage before FIRE."  Uhh, seems unlikely
Boofinator (https://forum.mrmoneymustache.com/profile/?u=45189) - "boarder42, thanks for giving me the impetus to join this forum."  Account was created one day before the ban.

* - I don't think any of these are actually boarder42

I demand a full and unrestricted background check into these new posters!!!

(don't hang me I'm kidding...)
Title: Re: R.I.P. Boarder42
Post by: Dicey on October 09, 2018, 03:35:03 AM
I am Border42
Lol, some dumb bass was convinced that b42 and I were the same person. Haha, we're not even the same gender. I'd jump on this pile, but I am smart enough to know that b42 was way smarter than I am.

As to returning under a new persona, I predict he is going to live a full and happy post-MMM Forum life. He doesn't need us. His contributions were mostly of the helping others variety anyway, even if he was strident on occasion <wink>. Speaking of strident, I propose that he was no more so than the kill the mortgage people. What's different was that he really was trying to help other people hasten their journey to FIRE, not just patting himself on the back. Not killing the mortgage is a much more nuanced concept. It's not such an easy soundbite and the true advantages of this approach are often apparent only from the vantage of hindsight. By then those super cheap mortgage rates will be a distant memory.

Thank you to everyone who has pledged to continue supporting the DPOYM thread. Everyone should understand the concept fully so they can make the most optimal decision for their situation. If the thread dies, where else will people learn this powerful lesson?
Title: Re: R.I.P. Boarder42
Post by: ketchup on October 09, 2018, 05:25:07 AM
I'm boarder42, and so is my wife.
Title: Re: R.I.P. Boarder42
Post by: pbkmaine on October 09, 2018, 05:56:18 AM
My cat is Boarder42.
Title: Re: R.I.P. Boarder42
Post by: Mississippi Mudstache on October 09, 2018, 07:19:33 AM
I wonder why he doesn't just create a new user, using a VPN if necessary.

He may at some point. But online reputation is a tricky thing and folks with four figure post counts often have distinctive writing styles and ticks. If I was banned and had to start over from scratch, while haivjng to be careful to not sound too much like myself I am not sure I would be motivated enough to try to overcome that.

I would be able to pick you out easily if you came back with a new username. You're the only person I know who spells "having" with a j.
Title: Re: R.I.P. Boarder42
Post by: talltexan on October 09, 2018, 09:10:56 AM
With all the extra time he has freed up from trying to educate the heathens to keep their mortgages on-schedule, perhaps he can pick up a part-time gig as a closing attorney and reminding people who are buying properties not to pay them down too fast.
Title: Re: R.I.P. Boarder42
Post by: 2Birds1Stone on October 09, 2018, 09:46:57 AM
Boarder42's top is in.
Title: Re: R.I.P. Boarder42
Post by: FiveSigmas on October 09, 2018, 10:09:09 AM
I'm boarder42, and so is my wife.

Okay, I lolled.

Sorry to hear about boarder42's perma-ban. He had interesting things an interesting thing to say *.

* I'm being facetious. Border had lots of interesting things to say, but one thing certainly dominated (and could get rather old).
Title: Re: R.I.P. Boarder42
Post by: DavidAnnArbor on October 09, 2018, 12:26:31 PM
Can we petition to have Boarder42 unbanned ?
Title: Re: R.I.P. Boarder42
Post by: hoping2retire35 on October 09, 2018, 12:38:57 PM
Looks like the ghost version he was in is gone, nothing shows up in the search.
Title: Re: R.I.P. Boarder42
Post by: PDXTabs on October 09, 2018, 12:55:06 PM
We don't need trolls, even if sometimes they are amusing. I have not read every post that Boarder42 ever wrote, but when a moderator writes that someone got banned for multiple trolling violations, I believe it.
Title: Re: R.I.P. Boarder42
Post by: v8rx7guy on October 09, 2018, 12:59:00 PM
This is one of those "sorry, not sorry" situations.  He had a message, but was not a respectful advocate for it.
Title: Re: R.I.P. Boarder42
Post by: CorpRaider on October 09, 2018, 01:00:23 PM
I basically agreed with a lot of his points, but he could be a little abrasive. 

I will prepay 6 months of my mortgage at the end of this year in his honor.  It is a good idea to lock in that guaranteed rate of return in case something happens.
Title: Re: R.I.P. Boarder42
Post by: Slee_stack on October 09, 2018, 01:33:54 PM
B42's detractors might feel they now have a better safe space...but its still a net loss to the forum.

I think I may just have to go shopping for a Big Ass Truck in his honor.
Title: Re: R.I.P. Boarder42
Post by: Roots&Wings on October 10, 2018, 06:11:40 AM
I think I may just have to go shopping for a Big Ass Truck in his honor.

What a great idea!! I may have to buy my boat (kayak) at long last.
Title: Re: R.I.P. Boarder42
Post by: Khaetra on October 10, 2018, 07:55:40 AM

I think I may just have to go shopping for a Big Ass Truck in his honor.

And start eating out every day.  No sense in owning that Big Ass Truck if you don't let people see you in it driving around. :)
Title: Re: R.I.P. Boarder42
Post by: Pizzabrewer on October 10, 2018, 08:08:41 AM
Maybe I can bring back my stoozing thread.  He disagreed so he made it his mission to suffocate it to death.
Title: Re: R.I.P. Boarder42
Post by: charis on October 10, 2018, 09:08:28 AM
Well, this is a bummer.  I frequently got valuable information from B42 on the credit card points/miles thread and decided to prioritize investing over mortgage prepayment in consideration of B42's advice.  The trolling was probably crossing the line, but it's still a bummer.
Title: Re: R.I.P. Boarder42
Post by: v8rx7guy on October 10, 2018, 10:34:56 AM
Maybe I can bring back my stoozing thread.  He disagreed so he made it his mission to suffocate it to death.

B42 wasn't the only person to criticize your scheme...
Title: Re: R.I.P. Boarder42
Post by: Pizzabrewer on October 10, 2018, 12:13:46 PM
Maybe I can bring back my stoozing thread.  He disagreed so he made it his mission to suffocate it to death.

B42 wasn't the only person to criticize your scheme...

You're right there were several people who decided my discussion had no merit and needed to be squelched. Despite a number of people who chimed in initially. B42 was by far the most belligerent and his constant badgering shut down any chance of a productive discussion.

Please feel free to stay out of any future threads I may start about stoozing.
Title: Re: R.I.P. Boarder42
Post by: Yankuba on October 10, 2018, 01:33:15 PM
What is stoozing?
Title: Re: R.I.P. Boarder42
Post by: patchyfacialhair on October 10, 2018, 01:43:33 PM
What is stoozing?

http://lmgtfy.com/?q=stoozing
Title: Re: R.I.P. Boarder42
Post by: Lews Therin on October 10, 2018, 01:44:53 PM
It's literally the first thing that appears when you google it.

It's Safe for work.
Title: Re: R.I.P. Boarder42
Post by: Yankuba on October 10, 2018, 02:17:03 PM
It's literally the first thing that appears when you google it.

It's Safe for work.

What is this Google you speak of?
Title: Re: R.I.P. Boarder42
Post by: PathtoFIRE on October 10, 2018, 02:18:59 PM
It's a website where I do my Alta Vistaing now
Title: Re: R.I.P. Boarder42
Post by: katsiki on October 10, 2018, 02:22:26 PM
Can we petition to have Boarder42 unbanned ?

I doubt it unfortunately.  I had a brief exchange with one of the mods about him.  Apparently, there were many chances and warnings given.

It is a shame.  He will be missed!
Title: Re: R.I.P. Boarder42
Post by: katsiki on October 10, 2018, 02:22:58 PM
It's a website where I do my Alta Vistaing now

Lol!
+1

Who remembers dogpile?!?
Title: Re: R.I.P. Boarder42
Post by: Pizzabrewer on October 10, 2018, 02:49:35 PM
What is stoozing?

Something that boarder42 made damn sure you didn't hear about.
Title: Re: R.I.P. Boarder42
Post by: RWD on October 10, 2018, 02:50:57 PM
It's a website where I do my Alta Vistaing now

Lol!
+1

Who remembers dogpile?!?

You can always Ask Jeeves
Title: Re: R.I.P. Boarder42
Post by: Kris on October 10, 2018, 02:54:39 PM
It's a website where I do my Alta Vistaing now

Lol!
+1

Who remembers dogpile?!?

You can always Ask Jeeves

God. Remember when there were a bunch of different search engines that all seemed more or less equally good, despite differences?
Title: Re: R.I.P. Boarder42
Post by: DS on October 10, 2018, 02:57:21 PM
It's a website where I do my Alta Vistaing now

Lol!
+1

Who remembers dogpile?!?

You can always Ask Jeeves

God. Remember when there were a bunch of different search engines that all seemed more or less equally good, despite differences?

Can still Bing!!!
Title: Re: R.I.P. Boarder42
Post by: ketchup on October 10, 2018, 03:01:19 PM
It's a website where I do my Alta Vistaing now

Lol!
+1

Who remembers dogpile?!?

You can always Ask Jeeves

God. Remember when there were a bunch of different search engines that all seemed more or less equally good, despite differences?

Can still Bing!!!
https://www.youtube.com/watch?v=nfHuZ5qrYX4
Title: Re: R.I.P. Boarder42
Post by: Telecaster on October 10, 2018, 03:21:09 PM

God. Remember when there were a bunch of different search engines that all seemed more or less equally good, despite differences?

I remember when there were a bunch of different search engines that all seemed more or less equally crappy.
Title: Re: R.I.P. Boarder42
Post by: Kris on October 10, 2018, 03:24:19 PM

God. Remember when there were a bunch of different search engines that all seemed more or less equally good, despite differences?

I remember when there were a bunch of different search engines that all seemed more or less equally crappy.

Ha -- yes, a better way to put it, for sure.
Title: Re: R.I.P. Boarder42
Post by: tralfamadorian on October 10, 2018, 04:04:39 PM
Maybe I can bring back my stoozing thread.  He disagreed so he made it his mission to suffocate it to death.

Back to the rocks and pickles, then?
Title: Re: R.I.P. Boarder42
Post by: Pizzabrewer on October 10, 2018, 04:18:08 PM
Maybe I can bring back my stoozing thread.  He disagreed so he made it his mission to suffocate it to death.

Back to the rocks and pickles, then?

Hmm. Non sequitir much?
Title: Re: R.I.P. Boarder42
Post by: DreamFIRE on October 10, 2018, 05:09:21 PM
My cat is Boarder42.

My pony is boarder42.
Title: Re: R.I.P. Boarder42
Post by: tralfamadorian on October 10, 2018, 05:43:37 PM
Maybe I can bring back my stoozing thread.  He disagreed so he made it his mission to suffocate it to death.

Back to the rocks and pickles, then?

Hmm. Non sequitir much?

A non "sequitir"? No. Not a non sequitur either. Rather a reference to a very funny B42 joke from one of your two closed threads on the topic that you mentioned attempting to resurrect.

This is his forum wake after all.
Title: Re: R.I.P. Boarder42
Post by: solon on October 10, 2018, 05:49:40 PM
He's still watching us.

https://forum.mrmoneymustache.com/profile/?u=11328
Title: Re: R.I.P. Boarder42
Post by: Dabnasty on October 10, 2018, 07:50:35 PM
It's a website where I do my Alta Vistaing now

Lol!
+1

Who remembers dogpile?!?

You can always Ask Jeeves

God. Remember when there were a bunch of different search engines that all seemed more or less equally good, despite differences?

Can still Bing!!!
https://www.youtube.com/watch?v=nfHuZ5qrYX4

Hahahahaha... Bing it. This is shameless, how does he say it with a straight face.
Title: Re: R.I.P. Boarder42
Post by: weirdlair on October 10, 2018, 08:29:43 PM
He's still watching us.

https://forum.mrmoneymustache.com/profile/?u=11328

Mortgage rates are up, and the market is down. What would boarder do?

Spoiler: show
He’d say, “Don’t payoff your mortgage early, you fool!”
Title: Re: R.I.P. Boarder42
Post by: Dicey on October 10, 2018, 11:32:30 PM
He's still watching us.

https://forum.mrmoneymustache.com/profile/?u=11328
Good. I'm sure his opinion of certain posters remains unchanged.

Damn, I miss him.
Title: Re: R.I.P. Boarder42
Post by: oldmannickels on October 11, 2018, 07:07:42 AM
This post is in protest of the Boarder42 ban.
Title: Re: R.I.P. Boarder42
Post by: Rosy on October 11, 2018, 04:24:25 PM
I will miss him, he was fun and helpful to those of us lacking the math gene.
Title: Re: R.I.P. Boarder42
Post by: Dicey on October 12, 2018, 01:07:40 AM
This post is in protest of the Boarder42 ban.
Hit that little "Report to moderator" button and tell them so.
Title: Re: R.I.P. Boarder42
Post by: ender on October 12, 2018, 06:33:40 AM
These forums have consistently been getting less face-punchy over the years I've been here, it's unsurprising he got banned as he didn't really change his posting style as a result.

The number of people willing to actually debate the math side of things has gone to close to zero here. Ah well. I guess there's a reason I browse these forums rarely now - there's just one more additional reason now.

Title: Re: R.I.P. Boarder42
Post by: maizeman on October 12, 2018, 07:04:21 AM
These forums have consistently been getting less face-punchy over the years I've been here, it's unsurprising he got banned as he didn't really change his posting style as a result.

The number of people willing to actually debate the math side of things has gone to close to zero here. Ah well. I guess there's a reason I browse these forums rarely now - there's just one more additional reason now.

I hadn't thought about it, but you're right. It's not just the old posters who are disappearing, but the ones who are willing to argue about the numbers behind FIRE and actually work through the math to back up their positions.
Title: Re: R.I.P. Boarder42
Post by: oldmannickels on October 12, 2018, 07:28:59 AM
This post is in protest of the Boarder42 ban.
Title: Re: R.I.P. Boarder42
Post by: talltexan on October 12, 2018, 08:56:12 AM
These forums have consistently been getting less face-punchy over the years I've been here, it's unsurprising he got banned as he didn't really change his posting style as a result.

The number of people willing to actually debate the math side of things has gone to close to zero here. Ah well. I guess there's a reason I browse these forums rarely now - there's just one more additional reason now.

Go to the intentional/planned discomfort thread. Those guys are hard-core. I think MMM himself might visit there every so often and say (to himself), "Whoah, dudes, this is getting a little out of hand."
Title: Re: R.I.P. Boarder42
Post by: markbike528CBX on October 12, 2018, 02:22:49 PM
I've thought that boarder42 sounded a lot like these guys:

https://xkcd.com/386/   Duty Calls

https://xkcd.com/2051/    Bad Opinions


I was trying to figure out which boarder42 was trying to emulate,

Paraphrase as remembered (possibly deleted by mods)  Will I give up on educating people on the wrongness of mortgage payoff?  Never.

Alt1   https://en.wikipedia.org/wiki/We_shall_fight_on_the_beaches  Winston Churchill
we shall fight in the fields and in the streets, we shall fight in the hills; we shall never surrender,

Alt2  https://www.imdb.com/title/tt0177789/quotes   Galaxy Quest
Commander Peter Quincy Taggart: Never give up. Never surrender.

I think that a lot of old timers on the forum forget that the question is new to new people and the old timers just remember the zillions of times we've explained it and expect new members to get semi-cryptic references and quotes from the forum past. 
ie  --Top is IN, black or orange box, foam(y) etc.

The "Don't worry about the 4% rule" thread had a series of contentious postings where a new member clearly had not read the thread from beginning or failed to realize that the general cases presented also included the new members specific question.


Title: Re: R.I.P. Boarder42
Post by: ender on October 14, 2018, 06:39:31 PM
These forums have consistently been getting less face-punchy over the years I've been here, it's unsurprising he got banned as he didn't really change his posting style as a result.

The number of people willing to actually debate the math side of things has gone to close to zero here. Ah well. I guess there's a reason I browse these forums rarely now - there's just one more additional reason now.

Go to the intentional/planned discomfort thread. Those guys are hard-core. I think MMM himself might visit there every so often and say (to himself), "Whoah, dudes, this is getting a little out of hand."

I.... think that if the place to find seriousness on the MMM approach can be isolated to a single thread, my point is very well affirmed ;)
Title: Re: R.I.P. Boarder42
Post by: Radagast on October 15, 2018, 12:43:54 AM
The Fall of Boarder42

Bee-Fourtwo was a mortgage-lovin' king
Of him the forum sadly sing
The last whose posts were foul and free
Until he left, from 2-0-1-three

His words were strong, his intent keen
The numbers in his posts were seen
The text was Red, the warnings sent
The banhammer on his head was bent

Then long ago he went away
And where he posteth none can say
For into darkness fell his posts-bar
In Banland where the bold ones are
Title: Re: R.I.P. Boarder42
Post by: oldmannickels on October 15, 2018, 07:24:50 AM
This post is in protest of Boarder42's ban.
Title: Re: R.I.P. Boarder42
Post by: solon on October 15, 2018, 09:34:29 AM
It's been four days since he logged in. I think he might be giving up on us...

https://forum.mrmoneymustache.com/profile/?u=11328
Title: Re: R.I.P. Boarder42
Post by: TexasRunner on October 15, 2018, 11:45:45 AM
It's been four days since he logged in. I think he might be giving up on us...

https://forum.mrmoneymustache.com/profile/?u=11328

(https://i.pinimg.com/originals/1f/3b/84/1f3b841ae2dc21cff72e18f1ca2a9bcc.jpg)
Title: Re: R.I.P. Boarder42
Post by: Retire-Canada on October 15, 2018, 12:22:34 PM
(https://themissfemme.files.wordpress.com/2016/05/tumblr_mwp84tu0801slfimjo1_500.gif)

RIP Boarder 42. May your mortgage never be paid off. In this life or the next!
Title: Re: R.I.P. Boarder42
Post by: Retire-Canada on October 15, 2018, 12:33:12 PM
(https://farm2.staticflickr.com/1940/43529192290_9fa06972cd_b.jpg)
Title: Re: R.I.P. Boarder42
Post by: nereo on October 15, 2018, 12:34:10 PM
These forums have consistently been getting less face-punchy over the years I've been here, it's unsurprising he got banned as he didn't really change his posting style as a result.

The number of people willing to actually debate the math side of things has gone to close to zero here. Ah well. I guess there's a reason I browse these forums rarely now - there's just one more additional reason now.

I hadn't thought about it, but you're right. It's not just the old posters who are disappearing, but the ones who are willing to argue about the numbers behind FIRE and actually work through the math to back up their positions.
I vow to re-up the math in my posts.
Funny, until you mentioned it I hadn't given much thought on the matter, but this forum used to give out some pretty awesome mathematical analyses on everything from case-studies to risk analyses.  Nowadays the quantifiable has yielded to the emotional and qualitative.

Title: Re: R.I.P. Boarder42
Post by: Retire-Canada on October 15, 2018, 12:34:58 PM
https://vimeo.com/243900011 (https://vimeo.com/243900011)

Boarder42 forever!
Title: Re: R.I.P. Boarder42
Post by: ender on October 15, 2018, 01:05:44 PM
These forums have consistently been getting less face-punchy over the years I've been here, it's unsurprising he got banned as he didn't really change his posting style as a result.

The number of people willing to actually debate the math side of things has gone to close to zero here. Ah well. I guess there's a reason I browse these forums rarely now - there's just one more additional reason now.

I hadn't thought about it, but you're right. It's not just the old posters who are disappearing, but the ones who are willing to argue about the numbers behind FIRE and actually work through the math to back up their positions.
I vow to re-up the math in my posts.
Funny, until you mentioned it I hadn't given much thought on the matter, but this forum used to give out some pretty awesome mathematical analyses on everything from case-studies to risk analyses.  Nowadays the quantifiable has yielded to the emotional and qualitative.

It's correlated with a much higher percentage of active posting in journals, too.

Whether or not that's just a correlation or causation I'm not sure.
Title: Re: R.I.P. Boarder42
Post by: ender on October 15, 2018, 03:09:23 PM
It's correlated with a much higher percentage of active posting in journals, too.

Whether or not that's just a correlation or causation I'm not sure.

Going to need to see some numbers to back up your assertion ;)

Well, anecdotally, using "unread posts" has become quite cumbersome given the percentage of those that are in journals.

I've also spent time/effort writing chrome extensions to hide all journals and seen a few other people wanting to hide all journals.

Title: Re: R.I.P. Boarder42
Post by: DS on October 15, 2018, 03:14:23 PM
It's correlated with a much higher percentage of active posting in journals, too.

Whether or not that's just a correlation or causation I'm not sure.

Going to need to see some numbers to back up your assertion ;)

Well, anecdotally, using "unread posts" has become quite cumbersome given the percentage of those that are in journals.

I've also spent time/effort writing chrome extensions to hide all journals and seen a few other people wanting to hide all journals.

Yeah, my bookmark for the site is the journals section, just to click 'read' before clicking 'show unread'
Title: Re: R.I.P. Boarder42
Post by: ender on October 15, 2018, 03:25:01 PM
Yeah, my bookmark for the site is the journals section, just to click 'read' before clicking 'show unread'

That's clever :-)
Title: Re: R.I.P. Boarder42
Post by: RWD on October 15, 2018, 03:40:28 PM
Well, anecdotally, using "unread posts" has become quite cumbersome given the percentage of those that are in journals.

I've also spent time/effort writing chrome extensions to hide all journals and seen a few other people wanting to hide all journals.

Wow, I hadn't really paid attention, but now that you mention it I went and counted and 19 out of the first 50 unread threads for me were from the journals section...
Title: Re: R.I.P. Boarder42
Post by: meatgrinder on October 15, 2018, 09:38:46 PM
Just tried to find his manufactured spend journal/thread and noticed it was gone. He provided the most valuable information I gleaned from this forum and now since people are offended by his writing style he is banned.  Sad.
Title: Re: R.I.P. Boarder42
Post by: Paul der Krake on October 15, 2018, 10:02:48 PM
He gave away too much knowledge, causing award flights to be harder and harder to find. He had to go.
Title: Re: R.I.P. Boarder42
Post by: SnackDog on October 16, 2018, 03:31:05 AM
Seems likes most of her posts were intended to gain eyeballs which led to clicks on credit card sales linked in the sig. sort of like MMM only less polite, haha.
Title: Re: R.I.P. Boarder42
Post by: Brother Esau on October 16, 2018, 05:54:27 AM
Well this is a bummer. He kept it real, that's for sure.
Title: Re: R.I.P. Boarder42
Post by: oldmannickels on October 16, 2018, 07:22:29 AM
https://www.youtube.com/watch?v=88Y7in-04Ng
Title: Re: R.I.P. Boarder42
Post by: Retire-Canada on October 16, 2018, 07:26:16 AM
It's correlated with a much higher percentage of active posting in journals, too.

Yes! I was just complaining about this...in my journal. ;-)
Title: Re: R.I.P. Boarder42
Post by: Dicey on October 16, 2018, 07:27:32 AM
Seems likes most of her posts were intended to gain eyeballs which led to clicks on credit card sales linked in the sig. sort of like MMM only less polite, haha.
Wow @SnackDog, you got so much wrong in a single sentence!

B42 is not female. He coached people on how to manufacture spend and reap huge mileage rewards, he continuously taught the DPOYM lesson to all comers (albeit forcefully at times, agreed), he never used reams of journal space to clean out his navel fuzz, and he posted helpful comments on a wide range of topics. He answered questions, he gave examples, he offered proof and proof and proof. He was also hilariously funny, if sufficiently provoked. He cares about people and their financial well-being, even though he will never meet them face-to-face. He contributed a lot here, and despite his brusque approach, did a lot more for the greater good than most of the rest of us can ever hope to. The fact that this thread exists is testament to his many gifts to the MMM community.

He isn't dead, so I won't say RIP. I am certain we needed him more than he needs us.

Happily, he is almost FIRE, and he keenly understands and values the worth of spending his limited time on earth raising a family, not a corporation, and living a good, balanced, happy life.

Title: Re: R.I.P. Boarder42
Post by: pbkmaine on October 16, 2018, 07:39:19 AM
Dicey, if you come across him in your travels, please give him my regards.
Title: Re: R.I.P. Boarder42
Post by: Greyweld on October 16, 2018, 08:52:36 AM
He isn't dead, so I won't say RIP.
Retire In Peace ;)
Title: Re: R.I.P. Boarder42
Post by: Dicey on October 16, 2018, 09:40:45 AM
He isn't dead, so I won't say RIP.
Retire In Peace ;)
Perfect! It's the mustachian version! [Dicey smacks forehead here.]
Title: Re: R.I.P. Boarder42
Post by: harvestbook on October 16, 2018, 11:50:09 AM
Look for a new blog, Mister Mortgage Mustache, coming soon
Title: Re: R.I.P. Boarder42
Post by: iris lily on October 16, 2018, 05:02:36 PM
Dicey, if you come across him in your travels, please give him my regards.

Shoot, , now I miss him and I didnt even read him.
I did pay off my mortgage, well, actually never had a mortgage on any number of houses we own. Slap me upside the head, he would. And that is ok, we all have our hobby horses.
Title: Re: R.I.P. Boarder42
Post by: hoping2retire35 on October 17, 2018, 12:45:12 PM
weird

If I search for him, nothing. Yet when I ran by an old post and click on his profile it says he was active yesterday and the rest of his profile seemed normal.
Title: Re: R.I.P. Boarder42
Post by: Slee_stack on October 17, 2018, 12:52:43 PM
weird

If I search for him, nothing. Yet when I ran by an old post and click on his profile it says he was active yesterday and the rest of his profile seemed normal.
It's October.

Perhaps hes just Ghosting us.
Title: Re: R.I.P. Boarder42
Post by: Shane on October 17, 2018, 12:53:57 PM
Well, anecdotally, using "unread posts" has become quite cumbersome given the percentage of those that are in journals.

I've also spent time/effort writing chrome extensions to hide all journals and seen a few other people wanting to hide all journals.

Wow, I hadn't really paid attention, but now that you mention it I went and counted and 19 out of the first 50 unread threads for me were from the journals section...

After clicking on Unread Posts, first thing I always do is click on journals and mark them all as read. Then I click on Unread Posts, again, and get everything except the journals. A little bit of a pain in the ass, but it works.
Title: Re: R.I.P. Boarder42
Post by: SnackDog on October 17, 2018, 12:59:17 PM
There is a script for marking all the Journals as read. 

javascript:void function(){exclude=["https://forum.mrmoneymustache.com/journals/","https://forum.mrmoneymustache.com/off-topic/a-merciful-break-in-the-heat/"],"undefined"==typeof hideOrShow%26%26(hideOrShow="hide"),elements=document.querySelectorAll("div.topic_table td.subject span a, div.topic_table td.subject em a");for(var e=0;e<elements.length;e++){var t=elements[e].href;elements[e].attributes.length>0%26%26exclude.forEach(function(o,r){if(-1!==o.search(t)){var a=elements[e].parentNode.tagName,n=!1;if("SPAN"===a)var n=elements[e].parentNode.parentNode.parentNode.parentNode;else if("EM"===a)var n=elements[e].parentNode.parentNode.parentNode.parentNode.parentNode;0!=n%26%26("hide"===hideOrShow%3Fn.style.display="none":n.style.display="table-row")}})}"hide"===hideOrShow%3FhideOrShow="show":hideOrShow="hide"}();
Title: Re: R.I.P. Boarder42
Post by: Shane on October 17, 2018, 01:03:08 PM
There is a script for marking all the Journals as read. 

javascript:void function(){exclude=["https://forum.mrmoneymustache.com/journals/","https://forum.mrmoneymustache.com/off-topic/a-merciful-break-in-the-heat/"],"undefined"==typeof hideOrShow%26%26(hideOrShow="hide"),elements=document.querySelectorAll("div.topic_table td.subject span a, div.topic_table td.subject em a");for(var e=0;e<elements.length;e++){var t=elements[e].href;elements[e].attributes.length>0%26%26exclude.forEach(function(o,r){if(-1!==o.search(t)){var a=elements[e].parentNode.tagName,n=!1;if("SPAN"===a)var n=elements[e].parentNode.parentNode.parentNode.parentNode;else if("EM"===a)var n=elements[e].parentNode.parentNode.parentNode.parentNode.parentNode;0!=n%26%26("hide"===hideOrShow%3Fn.style.display="none":n.style.display="table-row")}})}"hide"===hideOrShow%3FhideOrShow="show":hideOrShow="hide"}();

Thanks @SnackDog . So, how do I use it on my Chromebook?
Title: Re: R.I.P. Boarder42
Post by: SnackDog on October 17, 2018, 01:44:25 PM
I made it a bookmark and click it after clicking the unread posts page.
Title: Re: R.I.P. Boarder42
Post by: DS on October 17, 2018, 01:55:08 PM
There is a script for marking all the Journals as read. 

javascript:void function(){exclude=["https://forum.mrmoneymustache.com/journals/","https://forum.mrmoneymustache.com/off-topic/a-merciful-break-in-the-heat/"],"undefined"==typeof hideOrShow%26%26(hideOrShow="hide"),elements=document.querySelectorAll("div.topic_table td.subject span a, div.topic_table td.subject em a");for(var e=0;e<elements.length;e++){var t=elements[e].href;elements[e].attributes.length>0%26%26exclude.forEach(function(o,r){if(-1!==o.search(t)){var a=elements[e].parentNode.tagName,n=!1;if("SPAN"===a)var n=elements[e].parentNode.parentNode.parentNode.parentNode;else if("EM"===a)var n=elements[e].parentNode.parentNode.parentNode.parentNode.parentNode;0!=n%26%26("hide"===hideOrShow%3Fn.style.display="none":n.style.display="table-row")}})}"hide"===hideOrShow%3FhideOrShow="show":hideOrShow="hide"}();

Correct me if wrong but this looks like it just hides the journals from showing up in the list, and doesn't actually mark as read? Also, it looks like it hides "Off Topic" as well. Not proficient in javascript so not 100% sure here
Title: Re: R.I.P. Boarder42
Post by: Shane on October 18, 2018, 11:49:12 AM
I made it a bookmark and click it after clicking the unread posts page.

Thanks @SnackDog . I'll try it out.
Title: Re: R.I.P. Boarder42
Post by: Daisy on October 18, 2018, 12:09:30 PM
Seems likes most of her posts were intended to gain eyeballs which led to clicks on credit card sales linked in the sig. sort of like MMM only less polite, haha.
Wow @SnackDog, you got so much wrong in a single sentence!

B42 is not female. He coached people on how to manufacture spend and reap huge mileage rewards, he continuously taught the DPOYM lesson to all comers (albeit forcefully at times, agreed), he never used reams of journal space to clean out his navel fuzz, and he posted helpful comments on a wide range of topics. He answered questions, he gave examples, he offered proof and proof and proof. He was also hilariously funny, if sufficiently provoked. He cares about people and their financial well-being, even though he will never meet them face-to-face. He contributed a lot here, and despite his brusque approach, did a lot more for the greater good than most of the rest of us can ever hope to. The fact that this thread exists is testament to his many gifts to the MMM community.

He isn't dead, so I won't say RIP. I am certain we needed him more than he needs us.

Happily, he is almost FIRE, and he keenly understands and values the worth of spending his limited time on earth raising a family, not a corporation, and living a good, balanced, happy life.

+1

@boarder42 helped me learn a lot about travel hacking, credit card rewards, and manufactured spending. I can't believe he is gone! He was very helpful and I am grateful for the information provided.

I did peek at some of the mortgage threads. I do have my mortgage paid off and would probably be scolded by boarder42, but I understand the other side of the math.

I enjoy lively discussions on several sides of a topic, so I am sad to see boarder42 be banned.
Title: Re: R.I.P. Boarder42
Post by: BlueHouse on October 27, 2018, 09:20:35 PM
he never bothered to capitalize or punctuate his writing sometimes I couldn't tell what he was trying to say because there were never commas or periods other times he just kept repeating the same thing over and over and over and over
Title: Re: R.I.P. Boarder42
Post by: nereo on October 28, 2018, 07:27:51 AM
he never bothered to capitalize or punctuate his writing sometimes I couldn't tell what he was trying to say because there were never commas or periods other times he just kept repeating the same thing over and over and over and over

He never bothered to capitalize or punctuate his writing.  Sometimes I couldn't tell what he was trying to say because there were never enough commas or periods.  Other times he just kept repeating the same thing over, and over, and over.

FTFY :-)
Title: Re: R.I.P. Boarder42
Post by: Financial.Velociraptor on October 28, 2018, 08:46:26 AM
he never bothered to capitalize or punctuate his writing sometimes I couldn't tell what he was trying to say because there were never commas or periods other times he just kept repeating the same thing over and over and over and over

He never bothered to capitalize or punctuate his writing.  Sometimes I couldn't tell what he was trying to say because there were never enough commas or periods.  Other times he just kept repeating the same thing over, and over, and over.

FTFY :-)

BlueHouse is the mighty thorstach!
Title: Re: R.I.P. Boarder42
Post by: Paul der Krake on October 28, 2018, 09:00:30 AM
he never bothered to capitalize or punctuate his writing sometimes I couldn't tell what he was trying to say because there were never commas or periods other times he just kept repeating the same thing over and over and over and over

He never bothered to capitalize or punctuate his writing.  Sometimes I couldn't tell what he was trying to say because there were never enough commas or periods.  Other times he just kept repeating the same thing over, and over, and over.

FTFY :-)

(https://media1.giphy.com/media/jXD7kFLwudbBC/giphy.gif?cid=3640f6095bd5cecb443034464de6845f)
Title: Re: R.I.P. Boarder42
Post by: nereo on October 28, 2018, 11:01:19 AM
did you miss my emoticon with me sticking my tongue out?
Title: Re: R.I.P. Boarder42
Post by: Dicey on October 28, 2018, 11:09:23 AM
weird

If I search for him, nothing. Yet when I ran by an old post and click on his profile it says he was active yesterday and the rest of his profile seemed normal.
Might be because he still reads here, but can't post, so if you're like @Daisy and have benefited from his wisdom, you can say so here and he will most likely see it. That is, until the frustration drives him away for good, and our loss will be complete.
Title: Re: R.I.P. Boarder42
Post by: apkanne on November 06, 2018, 01:57:19 PM
I really liked reading boarder42. He helped me in a private message to think through paying down the PMI i have on my house. I am now directly investing that money into Vanguard/my works 401k that i was putting extra to the mortgage each month. Dave Ramsey got me into thinking about money, but this forum was what i needed after baby steps 1-4 and after I bought my house. Boarder42's posts helped me change my thinking and make better decisions than just following BS5, so thanks dude.
Title: Re: R.I.P. Boarder42
Post by: OurTown on November 06, 2018, 02:24:48 PM
I was a friend of Jamis . . .
Title: Re: R.I.P. Boarder42
Post by: robartsd on November 06, 2018, 02:45:47 PM
His credit card hacnking journal (https://forum.mrmoneymustache.com/journals/1-2million-miles-and-counting/) is still active with others continuing providing MS and credit card bonus info.

I haven't been able to follow anyone's math on PMI. On my own 30 year fixed mortgage was 5% down a little over 2 years ago. PMI was equivalent to 0.4% interest at origination and should be equivalent to no more than 0.5% interest if I let it run to the point where it is automatically cancelled. Can't credit b42 with the idea that the rate I got was worth paying as scheduled, but if rates are favorable in 5-10 years, his arguments might be a reason I consider cash out refinancing to invest more.
Title: Re: R.I.P. Boarder42
Post by: nereo on November 06, 2018, 06:02:03 PM
To all the other posters out there - can you recall another poster who got banned yet a multi-page thread about it?  Because I can't...
Title: Re: R.I.P. Boarder42
Post by: GreenEggs on November 06, 2018, 09:57:40 PM
I enjoyed reading Boarder42, but he did get wound up. 


I'm sure he'll find better things to do with his time. 
Title: Re: R.I.P. Boarder42
Post by: Roots&Wings on November 07, 2018, 06:12:32 AM
To all the other posters out there - can you recall another poster who got banned yet a multi-page thread about it?  Because I can't...

Wasn't there an incident with Sol getting banned by MMM (misunderstanding his posting style), but enough people speaking up got him back? Maybe that was just a warning though.
Title: Re: R.I.P. Boarder42
Post by: Dabnasty on November 07, 2018, 06:16:50 AM
To all the other posters out there - can you recall another poster who got banned yet a multi-page thread about it?  Because I can't...

Wasn't there an incident with Sol getting banned by MMM (misunderstanding his posting style), but enough people speaking up got him back? Maybe that was just a warning though.

I don't think it was even a warning, more of a "maybe you should go if you're going to criticize me"

But it really wasn't a criticism of MMM so much as a criticism of greedy humans in general.
Title: Re: R.I.P. Boarder42
Post by: RWD on November 07, 2018, 06:29:05 AM
To all the other posters out there - can you recall another poster who got banned yet a multi-page thread about it?  Because I can't...

Wasn't there an incident with Sol getting banned by MMM (misunderstanding his posting style), but enough people speaking up got him back? Maybe that was just a warning though.

I don't think it was even a warning, more of a "maybe you should go if you're going to criticize me"

But it really wasn't a criticism of MMM so much as a criticism of greedy humans in general.

Source: https://forum.mrmoneymustache.com/forum-information-faqs/messages-from-the-community/msg1938885/#msg1938885
Title: Re: R.I.P. Boarder42
Post by: index on November 07, 2018, 07:17:29 AM
I agreed with his math for keeping a mortgage a few times. With that said, the dude was a troll. This exchange was from a couple years ago when he was beating up on a poster who was saving 55k of his 200k salary. It was interesting how he was so good at the mortgage math, but he couldn't do the math to back up his own boasting. This was all in response to him bragging about saving 67% of his gross income while living a 6 figure lifestyle, and telling other posters they just don't know how to optimize.

we're around 160k-170k gross income and invest around 110k+ annually -  always trying to squeeze more out. variance is due to my bonus structure at work.  more bonus more money into savings. if you were to count house equity gain that savings goes up more but its not something i count.

I'm going to call BS on this. Let's say you make 170k and can both contribute the max (36k) to pretax 401k's and 6.7k to an HSA; So your Taxable income is 127k. In Missouri you pay about 37.5k in taxes.

So of your 170k you are working with 132.5k after taxes and saving 110k which means you are living off 22.5k?

You have a mortgage for a "big house", a boat, and long commute by car. Housing expenses on say 150K for a large house in rural MO is 9k per year. Are you are not counting income from side gigs, gifts, or employer matching? Maybe you are getting a lot of "freebies" you are not counting like MMM and his 30k renovation, new car, or vacations?

I am genuinely interested how you can live a "six figure" lifestyle for something around 15k after housing expenses.

company matches and ESOP contributions count into that 170k number and these arent taxable either.  that tax assumption seems to be way off as well.  with deduction etc. our taxable income is down to around 85k and our taxes are around 13k federal and 5k state.

posts like these make me want to start blogs about optimizing.  if i were to just list out my lifestyle everyone here would say No F'n way you're saving 67% of around 170k gross on that but yes ... yes we are.


I don't want to harp on this, but Border was so free with the face punching earlier in the thread. I was reading another thread (race from 1MM to 2MM) and just randomly saw this:

this is the right place.  my number is around 2MM we spend around 50-60k plus our mortgage.  but we wont hit 1MM til 2020 so it will be awhile before we're here.

Dude. Your numbers don't add up:

55k (spending) + 110k+ Savings + 18K Taxes = 183k + mortgage for a big house on a lake

He hasn't posted in this thread since you originally did the math on his numbers.  I guess he is comfortable ridiculing others for their spending but once someone starts digging into his spending he clams up.  hmm.
Title: Re: R.I.P. Boarder42
Post by: Daisy on November 07, 2018, 01:38:38 PM
Well I tried to PM him to thank him for a recent credit card referral offer he suggested and couldn't even PM him. I guess banning him means we can't even communicate with him. Sad, because I know of no other way to get in touch with him.
Title: Re: R.I.P. Boarder42
Post by: RWD on November 07, 2018, 01:59:57 PM
Well I tried to PM him to thank him for a recent credit card referral offer he suggested and couldn't even PM him. I guess banning him means we can't even communicate with him. Sad, because I know of no other way to get in touch with him.

I just did some searching and am pretty sure I found him on a wakeboarding forum. The username I found was also used here on the MMM forums before boarder42's account was created and had a similar writing style and admonishment of prepaying mortgages. Unfortunately the main forum I found him on is blocked at work for "malicious web reputation". So venture there at your own risk.
Title: Re: R.I.P. Boarder42
Post by: steveo on November 09, 2018, 04:21:31 AM
The advice being pushed as 'always correct' wasn't if you happen to live in a country other than the US.  It was certainly frustrating to see country specific advice constantly dogmatically given out over and over without acknowledgement of that fact.

I'm Australian and his advice didn't really make any sense to me. It still doesn't. I suppose to be fair you could make the argument that paying down your mortgage doesn't make financial sense when there is a raging bull market but it's far from a clear cut decision if you are Australian.

Still I don't believe in banning people because as you state if can end up an echo chamber. Different points of view are good.
Title: Re: R.I.P. Boarder42
Post by: nereo on November 09, 2018, 05:02:16 AM
The advice being pushed as 'always correct' wasn't if you happen to live in a country other than the US.  It was certainly frustrating to see country specific advice constantly dogmatically given out over and over without acknowledgement of that fact.

I'm Australian and his advice didn't really make any sense to me. It still doesn't. I suppose to be fair you could make the argument that paying down your mortgage doesn't make financial sense when there is a raging bull market but it's far from a clear cut decision if you are Australian.

Still I don't believe in banning people because as you state if can end up an echo chamber. Different points of view are good.

Yes, his advice applied to people in the US, where we have 30 year mortgages which are fixed for the duration of the mortgage. I'm not certain about Australia but I know that kind of mortgage is unavailable in most of the world.  In Canada the longest term one can usually get is 25 years, and typically your rate is fixed for a period of 2 to 5 years (i.e. it functions like what we in the US would call an ARM).

B42 wasn't banned for his opinions on mortgage payoff, he was banned for violating the forum rules (https://forum.mrmoneymustache.com/forum-information-faqs/forum-rules/) repeatedly.  I'm sad he's gone and would like it if the mods reinstated him for 'time-served' but everyone must follow the rules.
Title: Re: R.I.P. Boarder42
Post by: Hula Hoop on November 09, 2018, 06:04:58 AM
The advice being pushed as 'always correct' wasn't if you happen to live in a country other than the US.  It was certainly frustrating to see country specific advice constantly dogmatically given out over and over without acknowledgement of that fact.

I'm Australian and his advice didn't really make any sense to me. It still doesn't. I suppose to be fair you could make the argument that paying down your mortgage doesn't make financial sense when there is a raging bull market but it's far from a clear cut decision if you are Australian.

Still I don't believe in banning people because as you state if can end up an echo chamber. Different points of view are good.

Yes, his advice applied to people in the US, where we have 30 year mortgages which are fixed for the duration of the mortgage. I'm not certain about Australia but I know that kind of mortgage is unavailable in most of the world.  In Canada the longest term one can usually get is 25 years, and typically your rate is fixed for a period of 2 to 5 years (i.e. it functions like what we in the US would call an ARM).

B42 wasn't banned for his opinions on mortgage payoff, he was banned for violating the forum rules (https://forum.mrmoneymustache.com/forum-information-faqs/forum-rules/) repeatedly.  I'm sad he's gone and would like it if the mods reinstated him for 'time-served' but everyone must follow the rules.

We have a 20 year mortgage fixed at less than 2% here in Italy.  The advice to pay back your mortgage early ESPECIALLY doesn't make sense for us - even more so than for Americans where fixed mortgage rates tend to be higher.  No idea about other parts of Europe and/or the world.  Anyway I wouldn't make generalizations about the rest of the world apart from the US - the world is a big, diverse place.
Title: Re: R.I.P. Boarder42
Post by: nereo on November 09, 2018, 07:00:56 AM
sub 2%, wow!  And I thought 3.1% fixed was low...
Yes, making generalizations about rules, laws and rates in other countries is not a good idea.
Title: Re: R.I.P. Boarder42
Post by: PathtoFIRE on November 09, 2018, 08:05:22 AM
Do Italians get a tax deduction for mortgage interest though? My rate is 3.5%, but I also have a marginal tax rate of 34%, giving me an effective rate of 2.3%.* However, I am also in the dwindling group of people who will still itemize my deductions, just another example of how the 2017 tax cuts benefit mostly the wealthy and well-payed.

*Not that anyone is all that interested, but we cash-out refinanced in 2015, and therefore can only deduct about 85% of our mortgage interest, so in reality I'm paying 2.5% net of my income tax savings
Title: Re: R.I.P. Boarder42
Post by: Hula Hoop on November 09, 2018, 08:13:51 AM
Do Italians get a tax deduction for mortgage interest though? My rate is 3.5%, but I also have a marginal tax rate of 34%, giving me an effective rate of 2.3%.* However, I am also in the dwindling group of people who will still itemize my deductions, just another example of how the 2017 tax cuts benefit mostly the wealthy and well-payed.

*Not that anyone is all that interested, but we cash-out refinanced in 2015, and therefore can only deduct about 85% of our mortgage interest, so in reality I'm paying 2.5% net of my income tax savings

Yes there's a tax credit but it's not as generous as in the US.  Not complaining though.  :)
Title: Re: R.I.P. Boarder42
Post by: BlueHouse on November 09, 2018, 02:08:09 PM
No tears from me.

He refused to qualify any of his statements.  Always black and white.  When questioned, he would then say "oh yeah, in THAT case"...
I always felt that his advice was more confusing to newcomers because of this.  If he had put a footnote in his signature that said "1.  All advice is specific to US Residents only", then maybe I wouldn't have had such a hard time with him.   

Also, his risk tolerance was so much higher because he could and would borrow from his parents anytime he hit a cash flow problem.  People without resources like that simply cannot make the same plays. 

And one other thing... he routinely pestered people for what he considered to be frivolous spending, yet ... boat. 

The old saying about people not remembering exactly what you said, but they will never forget the way you made them feel is very true to me.   I'm glad he's gone.   
Title: Re: R.I.P. Boarder42
Post by: steveo on November 09, 2018, 03:58:35 PM
The advice being pushed as 'always correct' wasn't if you happen to live in a country other than the US.  It was certainly frustrating to see country specific advice constantly dogmatically given out over and over without acknowledgement of that fact.

I'm Australian and his advice didn't really make any sense to me. It still doesn't. I suppose to be fair you could make the argument that paying down your mortgage doesn't make financial sense when there is a raging bull market but it's far from a clear cut decision if you are Australian.

Still I don't believe in banning people because as you state if can end up an echo chamber. Different points of view are good.

Yes, his advice applied to people in the US, where we have 30 year mortgages which are fixed for the duration of the mortgage. I'm not certain about Australia but I know that kind of mortgage is unavailable in most of the world.  In Canada the longest term one can usually get is 25 years, and typically your rate is fixed for a period of 2 to 5 years (i.e. it functions like what we in the US would call an ARM).

B42 wasn't banned for his opinions on mortgage payoff, he was banned for violating the forum rules (https://forum.mrmoneymustache.com/forum-information-faqs/forum-rules/) repeatedly.  I'm sad he's gone and would like it if the mods reinstated him for 'time-served' but everyone must follow the rules.

I tried to explain this when I mentioned paying off my mortgage. You can fix your rate but only for 2-5 years and you can't fix your rate and then when the rate goes down re-fix it to a lower rate.
Title: Re: R.I.P. Boarder42
Post by: Dicey on November 09, 2018, 05:18:22 PM
No tears from me.

He refused to qualify any of his statements.  Always black and white.  When questioned, he would then say "oh yeah, in THAT case"...
I always felt that his advice was more confusing to newcomers because of this.  If he had put a footnote in his signature that said "1.  All advice is specific to US Residents only", then maybe I wouldn't have had such a hard time with him.   

Also, his risk tolerance was so much higher because he could and would borrow from his parents anytime he hit a cash flow problem.  People without resources like that simply cannot make the same plays. 

And one other thing... he routinely pestered people for what he considered to be frivolous spending, yet ... boat. 

The old saying about people not remembering exactly what you said, but they will never forget the way you made them feel is very true to me.   I'm glad he's gone.
No need to pile on, BlueHouse. He helped a lot of people on several topics. Not many people can say the same.
Title: Re: R.I.P. Boarder42
Post by: BlueHouse on November 10, 2018, 06:15:26 PM

No need to pile on, BlueHouse. He helped a lot of people on several topics. Not many people can say the same.
Thank you for your opinion Dicey, but please stop trying to shut me down.  I get to have an opinion too, and now I've expressed it.

No need to lecture commenters.
Title: Re: R.I.P. Boarder42
Post by: Dicey on November 10, 2018, 11:08:51 PM

No need to pile on, BlueHouse. He helped a lot of people on several topics. Not many people can say the same.
Thank you for your opinion Dicey, but please stop trying to shut me down.  I get to have an opinion too, and now I've expressed it.

No need to lecture commenters.
"I'm glad he's gone." could not pass unremarked upon. Not nice, not necessary. You expressed your opinion in an unkind way. BTW - aren't we both commenters? As such, we are both equally bound by the Forum Rules. Feel free to consult the mods if you feel it's necessary.
Title: Re: R.I.P. Boarder42
Post by: BlueHouse on November 11, 2018, 09:06:08 AM

No need to pile on, BlueHouse. He helped a lot of people on several topics. Not many people can say the same.
Thank you for your opinion Dicey, but please stop trying to shut me down.  I get to have an opinion too, and now I've expressed it.

No need to lecture commenters.
"I'm glad he's gone." could not pass unremarked upon. Not nice, not necessary. You expressed your opinion in an unkind way. BTW - aren't we both commenters? As such, we are both equally bound by the Forum Rules. Feel free to consult the mods if you feel it's necessary.

Dicey, sometimes the quickest way to let a comment go away is to just let pass without remarking on it at all.  Some people appreciated B42, and I found him caustic.  I didn't like his comments and I didn't like the way he delivered them.  I don't know whether he's a decent human being or not.  That's all. 

As for the Forum Rules, I'm not sure what rule I've broken, but based on your history, I would bet you've already reported it to the mods.  Thanks for that.  Hopefully they'll let me know if and what rule I've broken. 

Now please feel free to get your last word in here:  "              "
Rest assured I will not respond. 
Title: Re: R.I.P. Boarder42
Post by: GreenEggs on November 11, 2018, 05:26:29 PM
I'm going to have another drink.  From Aldi.  ;)

Title: Re: R.I.P. Boarder42
Post by: Dicey on November 11, 2018, 09:34:06 PM
I'm going to have another drink.  From Aldi.  ;)
Please save me one. I'll buy.
Title: Re: R.I.P. Boarder42
Post by: DS on November 12, 2018, 07:42:31 AM
“Some birds are not meant to be caged, that's all. Their feathers are too bright, their songs too sweet and wild. So you let them go, or when you open the cage to feed them they somehow fly out past you. And the part of you that knows it was wrong to imprison them in the first place rejoices, but still, the place where you live is that much more drab and empty for their departure."
Title: Re: R.I.P. Boarder42
Post by: ACyclist on December 15, 2018, 11:12:38 AM
I vote that we let him back in.  He can be harsh.  I felt that.  He was cool though.  Some people are saltier that others.  Also, you can't inflect tone and humor in text very easily. We are all unique.

That's all I have to say on the topic. 
Title: Re: R.I.P. Boarder42
Post by: DreamFIRE on December 15, 2018, 11:43:26 AM
I vote that we let him back in.  He can be harsh.  I felt that.  He was cool though.  Some people are saltier that others.  Also, you can't inflect tone and humor in text very easily. We are all unique.

That's all I have to say on the topic.

Remove all the user bans and all the IP bans and let everyone back.  Everyone deserves a second chance.  Even broader.
Title: Re: R.I.P. Boarder42
Post by: Dicey on December 15, 2018, 11:52:28 AM
I vote that we let him back in.  He can be harsh.  I felt that.  He was cool though.  Some people are saltier that others.  Also, you can't inflect tone and humor in text very easily. We are all unique.

That's all I have to say on the topic.

Remove all the user bans and all the IP bans and let everyone back.  Everyone deserves a second chance.  Even broader.
Do you mean let back a broader field than everyone? Aliens too? Or do you mean the late, great boarder42? I sure hope it's the latter. He could be harsh, and his syntax sometimes sucked, but his winning combination of smarts and passion was a huge value-add to this forum.
Title: Re: R.I.P. Boarder42
Post by: DreamFIRE on December 15, 2018, 01:27:44 PM
I vote that we let him back in.  He can be harsh.  I felt that.  He was cool though.  Some people are saltier that others.  Also, you can't inflect tone and humor in text very easily. We are all unique.

That's all I have to say on the topic.

Remove all the user bans and all the IP bans and let everyone back.  Everyone deserves a second chance.  Even broader.
Do you mean let back a broader field than everyone? Aliens too? Or do you mean the late, great boarder42? I sure hope it's the latter. He could be harsh, and his syntax sometimes sucked, but his winning combination of smarts and passion was a huge value-add to this forum.

lol.  Yes, boarder42.  I think he's learned his lessen by now.  Plus the broader group of previously banned users/IPs.
Title: Re: R.I.P. Boarder42
Post by: deborah on December 16, 2018, 02:37:49 AM
42 was quick to destroy Australian threads that were started, when we have a totally different tax regime, but none of that counted. Every second post was from 42, and threads had to be abandoned. It is no wonder that every Australian who has commented here did not appreciate whatever positive parts there were in 42s diatribes.
Title: Re: R.I.P. Boarder42
Post by: SnackDog on December 16, 2018, 06:12:08 AM
I wonder if he has snuck back in under another email address and is now masquerading under a new name.  He seemed like a jerk, but the internet is full of them.
Title: Re: R.I.P. Boarder42
Post by: Dicey on December 16, 2018, 07:54:06 AM
I wonder if he has snuck back in under another email address and is now masquerading under a new name.  He seemed like a jerk, but the internet is full of them.
I strongly doubt it. His style was so unique, it shouldn't be difficult to recognize.* He was still reading until recently, per his stats, but they seem to be no longer available.

Boarder42 isn't what you and others think @SnackDog. He is someone who cares passionately about helping others optimize their path to FIRE. The internet is NOT full of altruistic people willing to squarely face on the naysayers day after week after month. He did get frustrated, because so many people respond emotionally, without bothering to do the math to determine their optimal choice.

*Sidebar on this topic: if anyone misses the story of another badass, banned member who lived in his Chevy VOLT, there is a recent update that may or may not be from him in my journal. Don't slog through it, just flip to the last page or two if you're interested. Link in my siggy line.

42 was quick to destroy Australian threads that were started, when we have a totally different tax regime, but none of that counted. Every second post was from 42, and threads had to be abandoned. It is no wonder that every Australian who has commented here did not appreciate whatever positive parts there were in 42s diatribes.
@deborah, I typically love it when I see a reply from you on any given thread, because of your content, writing style and breadth of expertise. B42 does not have your even-handed approach or your writing chops, yet his committment to his areas of expertise is admirably (IMO) unwavering.

I tend not to follow the AUS real estate threads, because having visited the amazing Land Down Under, I know your real estate sales and lending structure is completely different. Even as a person with significant RE experience, your system gives me the heebie-jeebies. I do not know the specifics of what happened on the threads you mentioned, but your words contain the ring of truth. I will say that on the "DONT" [sic] thread*, B42 frequently states that his information applies to fixed rate, tax deductible, affordable mortgages, which don't seem to exist for primary mortgage loans in Canada, Great Britain (all of Europe??), Australia and New Zealand, to name a few biggies. But this is a US-based site, and the largest block of readers call 'Murcia home. When MMM says "dollars", it is understood that it is American Dollars he's speaking of, and this forum follows suit.

Which leads me to one of my Forum Pet Peeves: Unless one is on a clearly labeled nation-specific thread, it can be difficult to determine where a member is from. Even the delightfully frugal Linda_Norway isn't actually Norwegian.

Finally, deborah, I don't doubt for a moment that what you say is true, but it is clear from b42's disclaimers that he learned his lesson with regards to the fact that other markets are different. Interestingly, that doesn't negate his message, but it does make the math even trickier, which sucks for you guys. But then, you have exponentially better health care, so maybe it evens out?

* https://forum.mrmoneymustache.com/throw-down-the-gauntlet/dont-payoff-your-mortgage-club/msg2230570/?topicseen#new


Title: Re: R.I.P. Boarder42
Post by: tralfamadorian on December 16, 2018, 08:34:09 AM
...which don't seem to exist for primary mortgage loans in Canada, Great Britain (all of Europe??), Australia and New Zealand, to name a few biggies...

Off topic but long term fixed rate mortgages are available in France as well. Currently I think around ~2.4% for a 25yr. Jealous!
Title: Re: R.I.P. Boarder42
Post by: BlueHouse on December 16, 2018, 09:53:56 AM
42 was quick to destroy Australian threads that were started, when we have a totally different tax regime, but none of that counted. Every second post was from 42, and threads had to be abandoned. It is no wonder that every Australian who has commented here did not appreciate whatever positive parts there were in 42s diatribes.
Thank you deborah for so clearly stating what bothered me so much.  It wasn't enough to state his opinion and then let others do what they want.  He needed complete capitulation to the point where every second post was him refuting any other opinion.  Then Dicey would usually jump in too. The one thing I wish 42 AND Dicey would learn is: just let other people have opinions.  You can state yours, but if you find you're back repeating the same thing over and over and over again, especially on the same thread, then stop.  Just stop. 

Want to do the math?  check the ratio on the number of your posts compared to the next most prevalent commentor on the thread.  If your posts vastly outnumber anyone else's, then unless you're the OP, maybe you need to back off. 

Title: Re: R.I.P. Boarder42
Post by: SnackDog on December 16, 2018, 10:16:16 AM
I agree. Two or maybe three posts per thread is plenty to make your point and any clarifications. Then move on and let others make their points.
Title: Re: R.I.P. Boarder42
Post by: Dicey on December 16, 2018, 10:38:02 AM
42 was quick to destroy Australian threads that were started, when we have a totally different tax regime, but none of that counted. Every second post was from 42, and threads had to be abandoned. It is no wonder that every Australian who has commented here did not appreciate whatever positive parts there were in 42s diatribes.
Thank you deborah for so clearly stating what bothered me so much.  It wasn't enough to state his opinion and then let others do what they want.  He needed complete capitulation to the point where every second post was him refuting any other opinion.  Then Dicey would usually jump in too. The one thing I wish 42 AND Dicey would learn is: just let other people have opinions.  You can state yours, but if you find you're back repeating the same thing over and over and over again, especially on the same thread, then stop.  Just stop. 

Want to do the math?  check the ratio on the number of your posts compared to the next most prevalent commentor on the thread.  If your posts vastly outnumber anyone else's, then unless you're the OP, maybe you need to back off.
Feel free to do that math on my posts and report back, @BlueHouse. I'll wait. I am in no way as prolific (or as smart) as b42. I'm clearly not as smart as you are either, but I am patient.

Oh, and the whole fucking point of a thread is to discuss a topic, so your bolded admonition makes little sense. All threads would be very short under your rules, so it wouldn't be a Forum. And no one new would be allowed to join the conversation, either. Sounds really helpful. You could do something really powerful to prevent this clear source of deep personal irritation: stop reading the thread. Just stop. Especially if the thread is called "DONT Pay Off Your Mortgage".  There is a different thread for those with other points of view. Multiple threads, in fact.

And by the way, B42 IS the OP of that thread, and created it at my suggestion. So I guess we were following your advice after all. Whaddya know? We agree, we agree, yippee!


ETA- While I'm back here fixing wonky spacing, may I also add that this thread is called R.I.P Boarder42, not RIP Boarder42?

And @maizeman, thanks.
Title: Re: R.I.P. Boarder42
Post by: maizeman on December 16, 2018, 10:40:57 AM
I agree that if you find yourself just saying the exact same things over and over again that it's not a productive discussion. But I don't think a cap on contributions per thread makes sense, as often I see great discussions that can go on for a page or more as people exchange ideas/knowledge and the conversation flows organically.

Even when people disagree, as long as the thread is exploring new reasoning/logic/evidence it seems perfectly reasonable that individual users would accumulate significant numbers of posts.

I agree. Two or maybe three posts per thread is plenty to make your point and any clarifications. Then move on and let others make their points.

I'll note that this post proposing no more than 2-3 posts per user thread is your 5th post in this particular thread. ;-) (Also this response is my 4th.)
Title: Re: R.I.P. Boarder42
Post by: nereo on December 16, 2018, 02:02:18 PM
The forum rules (https://forum.mrmoneymustache.com/forum-information-faqs/forum-rules/) do not limit how many times a person can post.

From a practical standpoint I do not think it would be a good idea to attempt to limit anyone's participation in a thread. The non-instantaneous nature of forums means that some participants may go days without reading up on a particular thread, and then may respond to multiple posts within a few minutes.  It's certainly how I operate. Others merely lurk, seldom if ever posting at all.
Title: Re: R.I.P. Boarder42
Post by: Pizzabrewer on December 16, 2018, 03:30:46 PM
He acted like a jackass and yes, if a thread was not to his liking he'd suffocate it to death.

He's gone.  Leave it rest.
Title: Re: R.I.P. Boarder42
Post by: Dicey on December 16, 2018, 05:51:54 PM
He acted like a jackass and yes, if a thread was not to his liking he'd suffocate it to death.

He's gone.  Leave it rest.
Suggest you not post stuff like this on a thread entitled "R.I.P Boarder 42". You are free leave and axegrind elsewhere. His style could be abrasive, even dogmatic, but many were helped by his committment and passion. It's okay if you weren't one of them.
Title: Re: R.I.P. Boarder42
Post by: nereo on December 16, 2018, 06:06:36 PM
He acted like a jackass and yes, if a thread was not to his liking he'd suffocate it to death.

He's gone.  Leave it rest.

You are insulting a former forum member in a thread dedicated to remembering him, immediately after a post reminding all of the forum rules. 

Please knock it off.
Title: Re: R.I.P. Boarder42
Post by: Pizzabrewer on December 16, 2018, 06:20:15 PM
Ha.  Pretty funny asking people to respect boundaries here when the subject of this thread ran roughshod over similar requests.

He's gone.  Leave it rest.
Title: Re: R.I.P. Boarder42
Post by: markbike528CBX on December 16, 2018, 07:20:16 PM
42 was quick to destroy Australian threads that were started, when we have a totally different tax regime, but none of that counted. Every second post was from 42, and threads had to be abandoned. It is no wonder that every Australian who has commented here did not appreciate whatever positive parts there were in 42s diatribes.

Ouch, and I though boarder42 was just doing this in US related threads.

He acted like a jackass and yes, if a thread was not to his liking he'd suffocate it to death.

He's gone.  Leave it rest.
++1

Ha.  Pretty funny asking people to respect boundaries here when the subject of this thread ran roughshod over similar requests.

He's gone.  Leave it rest.
Roughshod is the lightest possible phrase to describe  boarder42's behavior.
Title: Re: R.I.P. Boarder42
Post by: nereo on December 16, 2018, 07:46:20 PM
Ha.  Pretty funny asking people to respect boundaries here when the subject of this thread ran roughshod over similar requests.

He's gone.  Leave it rest.

It’s a simple reminder of the forum rules.  Specifically:
2. Attack an argument, not a person
4. Be respectful of the site and other members
Try to stay towards the top of Graham’s Hierarchy of Disagreement (i.e. ‘name calling’ is at the base)

As has been noted, Boarder42 was banned because of forum violations.
Please refrain from engaging in similar behavior.
~N~
Title: Re: R.I.P. Boarder42
Post by: BlueHouse on December 17, 2018, 06:25:56 AM
42 was quick to destroy Australian threads that were started, when we have a totally different tax regime, but none of that counted. Every second post was from 42, and threads had to be abandoned. It is no wonder that every Australian who has commented here did not appreciate whatever positive parts there were in 42s diatribes.
Thank you deborah for so clearly stating what bothered me so much.  It wasn't enough to state his opinion and then let others do what they want.  He needed complete capitulation to the point where every second post was him refuting any other opinion.  Then Dicey would usually jump in too. The one thing I wish 42 AND Dicey would learn is: just let other people have opinions.  You can state yours, but if you find you're back repeating the same thing over and over and over again, especially on the same thread, then stop.  Just stop. 

Want to do the math?  check the ratio on the number of your posts compared to the next most prevalent commentor on the thread.  If your posts vastly outnumber anyone else's, then unless you're the OP, maybe you need to back off.
Feel free to do that math on my posts and report back, @BlueHouse. I'll wait. I am in no way as prolific (or as smart) as b42. I'm clearly not as smart as you are either, but I am patient.

Oh, and the whole fucking point of a thread is to discuss a topic, so your bolded admonition makes little sense. All threads would be very short under your rules, so it wouldn't be a Forum. And no one new would be allowed to join the conversation, either. Sounds really helpful. You could do something really powerful to prevent this clear source of deep personal irritation: stop reading the thread. Just stop. Especially if the thread is called "DONT Pay Off Your Mortgage".  There is a different thread for those with other points of view. Multiple threads, in fact.

And by the way, B42 IS the OP of that thread, and created it at my suggestion. So I guess we were following your advice after all. Whaddya know? We agree, we agree, yippee!


ETA- While I'm back here fixing wonky spacing, may I also add that this thread is called R.I.P Boarder42, not RIP Boarder42?

And @maizeman, thanks.
Dicey, I'm afraid you missed the point of my comment and my emphasis of another poster.  I'm not trying to limit what anyone can say, and I never said to limit the writing or thoughts from anyone.  But if you are REPEATING the same thing over and over to the same person or people, without any new content, then that's where to drop it.  Another poster commented that every other post in the "pay off your mortgage" thread was from 42 (or from you), stating the very same info, and for months, that was true.  It was repetitious, it was boring, and it veered off into personal attacks when 42 would suggest that someone didn't understand the math. 

Frankly, I just found it disrespectful to everyone in the thread.  Then after you both were asked to just leave that thread alone, you went on another thread and discussed how the people in the first thread wouldn't listen to logic.  Then I piped in (against my better judgement), because I'm just tired of how you two would misrepresent so much.  The funny thing is, that I'm not against the content of what you say...but the way 42 said it (and you to some extent) was just so obnoxiously arrogant that it made me lose my sense of calm. 

I agree that if you find yourself just saying the exact same things over and over again that it's not a productive discussion. But I don't think a cap on contributions per thread makes sense, as often I see great discussions that can go on for a page or more as people exchange ideas/knowledge and the conversation flows organically.
I think the person who suggested limiting to 2-3 posts meant exactly what you stated here.  limit the repetitive statements before it devolves into "yes you did" "no I didn't".  So many of us seem to be in agreement about this.



Title: Re: R.I.P. Boarder42
Post by: oldmannickels on December 17, 2018, 08:39:55 AM
Man I got real excited when I saw this post thought he was back!
Title: Re: R.I.P. Boarder42
Post by: DS on December 17, 2018, 01:36:42 PM
They weren't banned for personality. They were banned for troll posts. So no need to debate their personality.
Title: Re: R.I.P. Boarder42
Post by: Dicey on December 17, 2018, 01:49:56 PM
42 was quick to destroy Australian threads that were started, when we have a totally different tax regime, but none of that counted. Every second post was from 42, and threads had to be abandoned. It is no wonder that every Australian who has commented here did not appreciate whatever positive parts there were in 42s diatribes.
Thank you deborah for so clearly stating what bothered me so much.  It wasn't enough to state his opinion and then let others do what they want.  He needed complete capitulation to the point where every second post was him refuting any other opinion.  Then Dicey would usually jump in too. The one thing I wish 42 AND Dicey would learn is: just let other people have opinions.  You can state yours, but if you find you're back repeating the same thing over and over and over again, especially on the same thread, then stop.  Just stop. 

Want to do the math?  check the ratio on the number of your posts compared to the next most prevalent commentor on the thread.  If your posts vastly outnumber anyone else's, then unless you're the OP, maybe you need to back off.
Feel free to do that math on my posts and report back, @BlueHouse. I'll wait. I am in no way as prolific (or as smart) as b42. I'm clearly not as smart as you are either, but I am patient.

Oh, and the whole fucking point of a thread is to discuss a topic, so your bolded admonition makes little sense. All threads would be very short under your rules, so it wouldn't be a Forum. And no one new would be allowed to join the conversation, either. Sounds really helpful. You could do something really powerful to prevent this clear source of deep personal irritation: stop reading the thread. Just stop. Especially if the thread is called "DONT Pay Off Your Mortgage".  There is a different thread for those with other points of view. Multiple threads, in fact.

And by the way, B42 IS the OP of that thread, and created it at my suggestion. So I guess we were following your advice after all. Whaddya know? We agree, we agree, yippee!


ETA- While I'm back here fixing wonky spacing, may I also add that this thread is called R.I.P Boarder42, not RIP Boarder42?

And @maizeman, thanks.
Dicey, I'm afraid you missed the point of my comment and my emphasis of another poster.  I'm not trying to limit what anyone can say, and I never said to limit the writing or thoughts from anyone.  But if you are REPEATING the same thing over and over to the same person or people, without any new content, then that's where to drop it.  Another poster commented that every other post in the "pay off your mortgage" thread was from 42 (or from you), stating the very same info, and for months, that was true.  It was repetitious, it was boring, and it veered off into personal attacks when 42 would suggest that someone didn't understand the math. 

Frankly, I just found it disrespectful to everyone in the thread.  Then after you both were asked to just leave that thread alone, you went on another thread and discussed how the people in the first thread wouldn't listen to logic.  Then I piped in (against my better judgement), because I'm just tired of how you two would misrepresent so much.  The funny thing is, that I'm not against the content of what you say...but the way 42 said it (and you to some extent) was just so obnoxiously arrogant that it made me lose my sense of calm. 

I agree that if you find yourself just saying the exact same things over and over again that it's not a productive discussion. But I don't think a cap on contributions per thread makes sense, as often I see great discussions that can go on for a page or more as people exchange ideas/knowledge and the conversation flows organically.
I think the person who suggested limiting to 2-3 posts meant exactly what you stated here.  limit the repetitive statements before it devolves into "yes you did" "no I didn't".  So many of us seem to be in agreement about this.
Enough, BlueHouse. PM sent. Please check your messages.
Title: Re: R.I.P. Boarder42
Post by: Dicey on December 21, 2018, 05:40:45 AM
This was posted on another thread, which makes me sad. According to some, there is nothing that can be said or done to help, because...well, I really don't understand why. What is this forum about anyway? Why are we here again?

"• Killed the mortgage - yeah! 
• Contributed 10% to my 401k - good but could do better

• Bought needed home improvement items with cash - just how it should be
• Increased the emergency fund by $1k - harder than it looks since we dipped into this for emergency vet bills
• Didn't make any contributions to either of our IRAs - boo!

Looking at it from the annual point of view makes it easier to figure out what we need to focus on next."

Please note that I've removed the author's name. I'm not criticizing them specifically, just pointing out that the opportunity to teach/share is ongoing. We don't learn this stuff in school. Where can people figure this stuff out if not here?
Title: Re: R.I.P. Boarder42
Post by: Maenad on December 21, 2018, 06:33:26 AM
Boarder42 isn't what you and others think @SnackDog. He is someone who cares passionately about helping others optimize their path to FIRE. The internet is NOT full of altruistic people willing to squarely face on the naysayers day after week after month.

Then he did a poor job of conveying it. His banning is an important lesson - if you can't debate without getting frustrated and veering into jerk territory, step away from the computer and calm down. Being factually correct, passionate, or altruistic doesn't matter if you're pissing off the very people you're trying to convince.
Title: Re: R.I.P. Boarder42
Post by: Dicey on December 21, 2018, 06:59:42 AM
Boarder42 isn't what you and others think @SnackDog. He is someone who cares passionately about helping others optimize their path to FIRE. The internet is NOT full of altruistic people willing to squarely face on the naysayers day after week after month.

Then he did a poor job of conveying it. His banning is an important lesson - if you can't debate without getting frustrated and veering into jerk territory, step away from the computer and calm down. Being factually correct, passionate, or altruistic doesn't matter if you're pissing off the very people you're trying to convince.
I don't disagree with you, @Maenad. However, I doubt his banning is an important lesson, because he's just gone. Who that is new will learn anything from his absence?

I have stated before that his writing style irritated me, and pleas to proofread (via PM) fell on deaf ears, but still he grew on me. The DPYM concept is counterintuitive and not sound-bite easy to explain. He got it and cared about sharing this knowledge with others. Even if he used a sledgehammer, there was still value in his teaching.

Slight tangent: He also contributed o freely on other threads/topics. I'm kind of dismayed by the people who do little but journal or their own case studies. Contributing across the board seems like a fair trade for the benefits this site provides.
Title: Re: R.I.P. Boarder42
Post by: SnackDog on December 21, 2018, 07:10:51 AM
However, I doubt his banning is an important lesson, because he's just gone. Who that is new will learn anything from his absence?

Maybe Boarder42 will learn from being banned and will behave better in whatever other forums he chooses to enter to satisfy his need to anonymously Be Right on the internet.
Title: Re: R.I.P. Boarder42
Post by: nereo on December 21, 2018, 07:16:30 AM
However, I doubt his banning is an important lesson, because he's just gone. Who that is new will learn anything from his absence?

Maybe Boarder42 will learn from being banned and will behave better in whatever other forums he chooses to enter to satisfy his need to anonymously Be Right on the internet.

I never got from Boarder42 a desire to be right, it seemed more a desire to get people to reject the default advice to 'kill your mortgage ASAP!'.  In other areas of the forum (and he posted broadly) he didn't come off as needing to 'Be Right'. He was just incredibly passionate about the mortgage issue.

I hope he does reflect and take a bit more time in the future. Yelling gets people's attention, but it doesn't often change minds.
Title: Re: R.I.P. Boarder42
Post by: Dicey on December 21, 2018, 07:23:18 AM
However, I doubt his banning is an important lesson, because he's just gone. Who that is new will learn anything from his absence?

Maybe Boarder42 will learn from being banned and will behave better in whatever other forums he chooses to enter to satisfy his need to anonymously Be Right on the internet.

I never got from Boarder42 a desire to be right, it seemed more a desire to get people to reject the default advice to 'kill your mortgage ASAP!'.  In other areas of the forum (and he posted broadly) he didn't come off as needing to 'Be Right'. He was just incredibly passionate about the mortgage issue.

I hope he does reflect and take a bit more time in the future. Yelling gets people's attention, but it doesn't often change minds.
Yet there are a number of people who did change their minds.  Down the road, when the gap widens, they will be glad they listened and learned.
Title: Re: R.I.P. Boarder42
Post by: GuitarStv on December 21, 2018, 07:40:26 AM
This was posted on another thread, which makes me sad. According to some, there is nothing that can be said or done to help, because...well, I really don't understand why. What is this forum about anyway? Why are we here again?

"• Killed the mortgage - yeah! 
• Contributed 10% to my 401k - good but could do better

• Bought needed home improvement items with cash - just how it should be
• Increased the emergency fund by $1k - harder than it looks since we dipped into this for emergency vet bills
• Didn't make any contributions to either of our IRAs - boo!

Looking at it from the annual point of view makes it easier to figure out what we need to focus on next."

Please note that I've removed the author's name. I'm not criticizing them specifically, just pointing out that the opportunity to teach/share is ongoing. We don't learn this stuff in school. Where can people figure this stuff out if not here?

If you feel the need to enlighten people, I encourage you to do so.  Boarder42 was certainly not banned for his ideas.  He was banned for being a dick.  It's also possible to convey information in a non-aggressive, factual, non-dickish way . . . and you will not get much resistance or push back for doing so.
Title: Re: R.I.P. Boarder42
Post by: BlueHouse on December 21, 2018, 11:07:54 AM

If you feel the need to enlighten people, I encourage you to do so.  Boarder42 was certainly not banned for his ideas.  He was banned for being a dick.  It's also possible to convey information in a non-aggressive, factual, non-dickish way . . . and you will not get much resistance or push back for doing so.

Amen! 

Happy Holidays to all! 
Title: Re: R.I.P. Boarder42
Post by: Pizzabrewer on December 21, 2018, 12:57:27 PM
This was posted on another thread, which makes me sad. According to some, there is nothing that can be said or done to help, because...well, I really don't understand why. What is this forum about anyway? Why are we here again?


Sorry but your sad takeaway from this incident doesn't cut it.  You (and everyone else here willing to behave as an adult) are more than free to help, explain, chime in on any thread to help educate people.  Boarder42's banning has no bearing on this, other than as a cautionary tale not to be an asshole about explaining your views.

He's gone.  Leave it rest.
Title: Re: R.I.P. Boarder42
Post by: oldmannickels on December 21, 2018, 01:10:43 PM
Boarder42 did you learn your lesson?
Title: Re: R.I.P. Boarder42
Post by: nereo on December 21, 2018, 01:14:09 PM
Boarder42 did you learn your lesson?

Are you asking sardonically? 
He can't respond, and it's uncertain that he'll ever see your comments.
Title: Re: R.I.P. Boarder42
Post by: arebelspy on December 21, 2018, 05:19:35 PM
MOD NOTE: Thread seems to just be sniping attacks at each other now.

Locking thread.

PM me or another mod with any concerns.

Cheers!