User talk:Sioris

May 2007
Welcome to Wikipedia. We invite everyone to contribute constructively to the encyclopedia. However, the external links you added to the page Adjustable rate mortgage do not comply with our guidelines for external links. Wikipedia is not a mere directory of links; nor should it be used for advertising or promotion. Since Wikipedia uses nofollow tags, external links do not alter search engine rankings. If you feel the link should be added to the article, then please discuss it on the article's talk page before reinserting it. Please take a look at the welcome page to learn more about contributing to this encyclopedia. Thank you. MCB 19:46, 15 May 2007 (UTC)

Spamming of http://spam.letyourhomepayyou.com

 * Spam sock accounts

This is the only warning you will receive. Your recent insertion of spam, commercial content, and/or links is prohibited under policy. Any further spamming may result in your account and/or your IP address being blocked from editing Wikipedia. Please do not add promotional material to Wikipedia. Wikipedia is not a vehicle for advertising. You are, however, encouraged to add appropriate content to the encyclopedia. If you feel the material in question should be added to the article, then please discuss it on the article's talk page rather than re-adding it. See the welcome page to learn more about Wikipedia. Thank you. --Hu12 06:11, 17 May 2007 (UTC)


 * Hello HU12,


 * I'm new to Wikipedia and am not attempting to break the rules. Obviously my last couple of efforts have not been done correctly.


 * One of the biggest concerns for people considering Reverse Mortgages, is how it will affect their heirs and their estate. I was trying to add an additional reference to explain that topic in more detail.


 * Yesterday when I inserted a numbered reference in the section of the article headed,"When the Loan Ends" (pertaining to the "heirs") I thought I was patterning my insertion in the same manner that reference number 4 did with regard to "Costs and Interest rates."


 * (i.e.) These programs are typically very restrictive in terms of qualification and location, and many regions, states, and areas do not have such programs at all.[4]


 * I feel that the contribution I was attempting to make is valid for this topic of discussion, and would appreciate your advice on how I might accomplish this in accordance with the rules of conduct for Wikipedia. Thank you for your assistance. Sioris 16:34, 17 May 2007 (UTC)


 * Hi Sioris -- please read the page External links and it will explain why your links to letyourhomepayyou.com have been removed. "Links to sites that primarily exist to sell products or services" are to be avoided on Wikipedia. While that site may contain some valid information, it exists basically to sell loan services. Note the text "Find Out Today If You Are Eligible For A Reverse Mortgage. Get Your Free, No Obligation, Personalized Analysis!" and the links to "Find a Lender".


 * Commercial sites like this are not good links for two reasons -- first, they are often inserted as spam, to promote the site itself, since Wikipedia is a very high-profile web site, read by millions of users; second, as commercial sites, they have a conflict of interest in the information they provide, which may not be accurate, but is instead slanted in favor of their commercial interest.


 * Your desire to add information about reverse mortgages is very admirable, but you must use what Wikipedia calls reliable sources, that is, independent, reputable, journalistic or academic works which have some sort of editorial process to assure reliability. Commercial sites do not usually meet this test. You should be able to find the same information from a more reliable source, such as a book, magazine, newspaper, nonprofit/research organization, government report, etc.


 * If you have any questions, please feel free to ask on my User Talk page. Happy editing, --MCB 17:40, 17 May 2007 (UTC)


 * Thanks for the note. I agree, some of the other references are highly questionable as well, and should be deleted or replaced with more reliable ones. --MCB 21:15, 17 May 2007 (UTC)

Do the Rules Apply To All?
The explanation regarding the use of links to external commercial sites not being allowed, seems completely reasonable. After reviewing the guidelines more thoroughly, it became obvious that the link I inserted in the "Reverse Mortgage" page was inappropriate.

When I added the link, I used the examples of other "references" on the same page is my guide, instead of reviewing completely the guidelines set forth by Wikipedia. (my mistake)

Please explain why these rules are not being applied to at least 3 others listed in the 6 references on this page. (specifically, numbers 1, 4 and 5.) Number 4 has just been added in the last day, and is a blatant mortgage lead generating site.

^ Reverse Mortgages - Making Your Equity Work For You Reverse Mortgage Article From Australia ^ a b Reverse Mortgages: A Lawyer's Guide, American Bar Association, 1997. ^ a b c reverse mortgages Information From AARP ^ Broker Universe ^ Reverse Mortgage Fees and Reverse Mortgage Rates Detailed article on the costs of a Reverse Mortgage ^ NRMLA - Consumer site administered by the National Reverse Mortgage Lenders Association

Thank you.Sioris 15:18, 19 May 2007 (UTC)

Reverse mortgage
Hi Sioris -- I'm on vacation this week and not editing much, so I just got your message. I don't know of any specific way of contacting Hu12 other than via his talk page -- if you post there I'm sure he will respond eventually. But more importantly, rather than debate him about the references/links on that page, I would suggest just editing the article, keeping the policies on reliable sources and external links in mind, and I'm sure your work will improve the article, which is the whole purpose of the policies. Happy editing, --MCB 03:23, 24 May 2007 (UTC)