Can the preaching stop please

Discussion in 'Suggestion box' started by pinkie123, Jan 20, 2017.

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  1. pinkie123

    pinkie123 Frequent Poster

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    I am an avid reader of this forum - but I have to admit I am put off asking for advice due to some the posters that regularly preach on here rather than post advice.
    Just because others choose to spend their money differently than others they are preached to when they post on this forum - I am mainly talking about people who are not in financial difficulty, have money to spend but still want to get the best deals out there. But I also see people who are in difficulties being patronised.
     
    galwegian44 likes this.
  2. cremeegg

    cremeegg Frequent Poster

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    I think it can be a good thing for people to have their basic assumptions challenged, exposed to others who see things in a different light. Sometimes peoples difficulties are not financial in origin so much as due to their own misjudged view of the world.
     
  3. Bronte

    Bronte Frequent Poster

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    What you seem to be asking is that posters agree with the spending patterns of others.

    And is there a problem with people who have money trying to get the best deals? Surely a fianncial forum is about the best deals? For everybody. It's also about different viewpoints.

    To be honest I'm not sure exactly what you are referring to.
     
  4. elcato

    elcato Moderator

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    I too, am curious. Perhaps an example might give us a better idea ?
     
  5. Bronte

    Bronte Frequent Poster

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    Well I hope this is not about the Audi 5 thread.
     
  6. Brendan Burgess

    Brendan Burgess Founder

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    Hi pinkie.

    An interesting angle.

    Some posters do object when a poster challenges them e.g. the guy who switched his credit card from Tesco to AIB and AIB had paid off his balance twice. It's critical that posters be allowed to challenge that stuff, even if it that is not what he was asking.

    If I choose to spend €100k on a new car and can afford it. Fair enough. I don't think we can stop people from commenting that this is not a sensible way to spend money.

    Again, I have not noticed this, but if I was one of the patrons, then I probably wouldn't. We don't want to discourage people from asking questions, but we don't want to moderate every reply either. People do regularly report offensive posts, and the moderators deal with them promptly. People do also report unhelpful, off topic, posts and they are also dealt with. I have a good recent example of this, where someone was in great difficulty, and the answer added nothing at all. It was deleted.

    Please report one or two of the worst examples, and the moderators will review them.

    Brendan
     
  7. lukas888

    lukas888 Registered User

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    Brendan,

    I can recall a contribution by yourself that bordered on ridicule of a couple of naive posters.They were asking about the possibility of a mortgage after exiting bankruptcy.
     
  8. Bronte

    Bronte Frequent Poster

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    Lukas I upset a poster on here the other day. And they gave out to me. And I apologised. I was taken aback I must say. It's on here under bankruptcy somewhere. I misread their situation and they thought I was being condescending or blase. But I hadn't meant to be. And welcome to AAM.
     
  9. Brendan Burgess

    Brendan Burgess Founder

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    Last edited: Jan 20, 2017
    Hi lukas

    I remember it well.

    Getting a mortgage after bankruptcy

    It was so ridiculous. These were not people who knew very little about money. They knew the system well enough to avail of bankruptcy.

    I thought it was so ridiculous that they did not realise the long-term implications, that sarcasm/satire was the best way of dealing with it.

    The astonishing thing is that they did not realise that this was satire:

    "Under the Central Bank rules and the Bankruptcy Act, once the one year discharge period is up, their former lender must grant them a 100% mortgage irrespective of their income."


    Brendan
     
    Last edited: Jan 20, 2017
  10. pinkie123

    pinkie123 Frequent Poster

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    Well that thread did prompt this post I have to admit, but I have had these thoughts about other threads.
     
  11. Bronte

    Bronte Frequent Poster

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    But isn't that why posters come on here, precisely because they don't understand. And you could see how little posters did understand because they took you up literally but I think us long term posters get a hard skin and don't realise how we are coming across and I put my hands up for this. It's also not helped by having so many posters clearly up to no good. That's constant too. The other day on the Visa card thread most everybody thought he was trying it on. And I so upset a new poster yesterday.
     
  12. Bronte

    Bronte Frequent Poster

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    Oh dear. And I never did get to figure out which way to buy a car was better. The OP thought I was trolling and I wasn't. I was worried about future threads on people rolling over PCP's and being in difficulty.

    Funnily enough someone made a jibe at me yesterday and I got a notification it was deleted as being derogatory and it hadn't bothered me in the slightest.
     
  13. Blackrock1

    Blackrock1 Frequent Poster

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    Bronte from my perspective, you do come across as a little self righteous, you are obviously on a sound financial footing but are also very money conscious. You do seem to look down on people that you perceive to be frivolous with money regardless of their circumstances.

    the reason i thought you were trolling was because you mixed up the make and models of the cars so much and asked questions that related to one model and pointed out that different information was provided related to another one. I genuinely thought your were trolling.

    as another poster pointed out, buying a new car is expensive, regardless of how you do it. If its low or free interest PCP then you arent any worse off than if you buy it for cash as its not costing you any more, especially if you decide to buyit outright at the end of the pcp agreement.

    You seemed to want to compare buying a new car to running an old one, which is a different argument, and also you cant see why anyone would spend so much on a car when people have different interests and different things that they enjoy in life.

    For me, i am into cars, the monthly cost for me is relatively inconsequential and doesn't stop me doing anything else. Also i understood what i was getting into so having someone that a) didnt understand the general premise and b) has no interest in cars give me a hard time about it was just annoying.
     
  14. elcato

    elcato Moderator

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    I joked here years ago about starting a website called therethere.com for some users on this site as they seem to come on to expect a hug rather than the truth. Unfortunately you can't have both and I even thought Blackrock was a troller here when I read your first thread. I changed my opinion since but I didn't get hot under the collar about it either way. On a forum it's hard to get people's tone so sometimes sarcasm, forthrightness or pity does not be obvious - it really is best to not react and get over it. Isn't that right Clubman.
     
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  15. Blackrock1

    Blackrock1 Frequent Poster

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    i think the fact that my view is that money is generally for spending as long as you arent putting yourself in a difficult position financially is one at odds with the more established posters.
     
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  16. elcato

    elcato Moderator

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    Not at odds with my views though; just clarifying.
     
  17. Sarenco

    Sarenco Frequent Poster

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    Money is always for spending - what other purpose does it have?

    Whether and to what extent it is beneficial or appropriate to defer consumption is another matter.
     
  18. Blackrock1

    Blackrock1 Frequent Poster

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    i think some have lost sight of the fact

    i dont see the point in working 60 hour weeks under intense pressure some times to put it all away for a rainy day that i might never see.

    Elcato, purely to satisfy my curiosity, can you let me know what made you think i was trolling?
     
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  19. cremeegg

    cremeegg Frequent Poster

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    It really isn't a different argument. Everyone can have a different attitude to money, after all its your money. But PCP was dreamt up by car companies, not to make a profit on the finance but to tempt people who otherwise might buy secondhand into buying new.

    This is the point that you failed to understand on the other thread. Bronte followed you into a thicket about rates and models etc. which obscured this basic point about PCP.
     
    breakonthru123 likes this.
  20. Blackrock1

    Blackrock1 Frequent Poster

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    i failed to understand the point? i disagree, i know all i need to know about PCP and its benefits and drawbacks, and i wanted to buy a new car, so my understanding is fine.
     
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