About Ken Tumin

Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.

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Usefulness of Rate Chasing in the Last 3 Years


Usefulness of Rate Chasing in the Last 3 Years

Looking back at internet savings accounts over the years, no banks or credit unions have been able to remain a rate leader for the long run. Some have been able to be a rate leader for several months, but their rates will eventually fall. If you're lucky, the rates will remain above "middle of the pack". There have been a few cases in which they became savings account duds. I reviewed some of these last year. One example of a dud is HSBC Online Savings Account. This account had a 6% APY promo back in 2007. Today the rate is only 0.40%.

Since there are no long-term rate leaders, if you want the best rates on an internet savings account, you need to plan to keep opening new accounts. I thought it would be interesting to look back at the rate history that we have collected over the last 3 years to see what would have been the best strategy. Instead of assuming someone would have switched to every new rate leader, I only assumed a switch no more than twice a year. I only switched when the new rate was significantly better. It turned out I did not have to switch that often. Below are my "ideal" picks that would have maximized rates over the last 3 years:

Average over 3 years: 1.48% APY

What if you had decided to just stick with Alliant Credit Union? Its savings account rate actually held up well until this year when its yield has fallen from 1.00% to 0.80%. So over the last 3 years, the average Alliant savings account yield was 1.33%.

I also looked at the average rates for two popular internet banks:

Ally Bank money market account 3-year average: 1.13% APY

ING DIRECT savings account 3-year average: 1.03% APY

Note, in my calculations I did not take into consideration the time it takes to transfer the money when no interest is earned. However, this time is rarely more than 2 days which is very small for a 3-year average.

Instead of keeping your money in a savings account, another option would have been opening a 3-year or 5-year CD in 2009. In September 2009, Melrose Credit Union had a 3.03% APY 3-year CD and a 3.91% APY 5-year CD. Ally Bank had a 2.70% APY 3-year CD and a 3.30% APY 5-year CD.

As you can see above, savings account rate chasing didn't help a lot over the last 3 years. It just added 15 basis points to the 3-year average. That's compared to if you had stuck with Alliant Credit Union. It helped a little more compared to if you had stuck with one of the popular internet banks.

For the most interest, CDs came out way ahead. Of course, that should be expected in a falling interest rate environment. Today's CD rates aren't much higher than savings account rates. The main benefit today with a CD is that you don't have to worry about falling rates until the CD matures.

Related Pages: savings account, money market accounts

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Vern   |     |   Comment #1
FNBO Direct has been offering a rate of 1.35 for existing costomers. New deposits made July thru December. Its something like they did last year.
Pete   |     |   Comment #2
So for purposes of illustration, if you had $50 k to invest, would it had been worth your time to juggle these accounts? 


It takes a certain amount of time to research, read disclosures, opt-out of marketing, loss of interest (as you covered in your article), potential for foulups, finding the idosyncracies of the new account e.g., 5-day hold on funds transferred by ACH


Anonymous   |     |   Comment #3
I would say no, not for me personally. You are talking about a 15 bps difference (1.33% vs 1.48%). That's $75 a year on $50,000, or $6.25 per month. The amount of time you spend keeping track of where the best rate is and doing all the work you listed re switching between different accounts would be way more than $6.25 a month worth, to me.
Rebecca   |     |   Comment #4
Why stick to Internet banks?  RCAs were great for rate chasing over the last 3 years.  I lived in NC which had a few rate leaders, so that was extra helpful.   By omitting RCAs, this post leaves off some of the 3-5% accounts that were actually fairly common.
Anonymous   |     |   Comment #5
Let me add, that I recently reached the conclusion that rate chasing is not worth it right now because even the best accounts are very low, and so I've closed 75% of the accounts I opened over the past few years. I decided that simplifying my life was worth something too.
Anonymous   |     |   Comment #6
The day will come that the banks will regret their greediness.  Whenever the rates raise, I have a feeling they will move quickly.  Then the bank will be running promotions to get enought deposit to meet the capitial requirements.  Hopefully, it will be sooner than later.  We will have the last say.
Anonymous   |     |   Comment #7
#6  I would love to believe you are right.  However, I don't think the rates will rise until we get a President and leaders in Washington who can work together to bring down the deficit and bring some financial sanity back to our country.  They have our country in such a financial mess that if they raise interest rates it will cause even more ruin to our country since China owns so much of our debt.  What a scary mess this is and it didn't have to be like this.  I never thought I would see this happen to America.  If Obama gets another four years of irrational spending, I think we can forget about seeing higher interest rates for many years.
Anonymous   |     |   Comment #9
#7  I will try to keep politics out of my comment as best I can. It isn't all the President's fault. Ben Bernanke NEEDS to go. He won't stop with the QE bullsh*t. He honestly believes that by keeping rates to virtually nothing at all will get the banks to borrow from the government and then lend, lend, lend. Quite the contrary has occurred. Sure the banks borrowed from the fed, but they are just sitting on huge piles of cash.

This is more about the Fed and less about the Executive Office.
Anonymous   |     |   Comment #10
#9  I know it's bernanke (fed) who is causing this low rate behavior.  BUT it is the US president that is telling him to do it.  Maybe not in those exact words but he is telling him what outcome he wants.  And guess what, that means zero rates.  Besides obama appointed bernanke and will re-appoint him if he wins the election.  It's nothing more than a distribution of any wealth the working/retired middle class has saved over the years.  And if romney is elected it will be just as bad, maybe worse.
Anonymous   |     |   Comment #8
there has been a lot more utility over the last 3 years of chasing 5 year cd rates and I have to be thankful to Ken for all he does running this site.
Paoli2   |     |   Comment #11
Obama may not be able to force his intentions on Bernanke but he could sure let him know that his method is not working and try to steer him in a different direction.  Frankly, I think Bernanke is doing exactly what Obama wants and that is why his reelection will only bring more financial chaos to our country, imo.
Anonymous   |     |   Comment #12
#11........What financial "chaos" are you referring to exactly? I don't see financial chaos out there. I see stock market investors satisfied, I see banks healthier than they've been for years. I have seen a large number of homeowners refinancing in the past few years. I've seen a stagnant economy, but not a chaotic falling economy. I was in San Francisco a few days ago to meet a friend from out of town & the restaurants were packed at 10pm. 2 years ago, the same restaurants were half empty. So, I'm sorry, I don't see this "financial chaos" you're referring to. Perhaps you're using the term too casually? 

What I do see is a small group of savers complaining endlessly about low rates...............but I'd hardly characterize it as "financial chaos". And no, please don't bring up the deficit & all that other crap because the man on the street, in truth, cares zero about that, nor does he actually understand it. 

No, I'm not voting for Obama, but like I've said before I'm in California, so it hardly matters who I vote for. 
Paoli2   |     |   Comment #13
#12  Per Websters:   "chaos - a state or place of total confusion or disorder".  I don't care where you live but if you have the internet, tv, or newspapers available to you and you don't read article after article or hear all the professionals on the economy making it known that our country is about to "go over the cliff financially" and you don't consider this a country in "chaos" then you are living in another reality.  Your great state California has many cities already bankrupt so maybe all those people who you see filling up the restaurants are the few who still have assets.  Don't you read the unemployment numbers and how many more people are now on welfare and food stamps?  What about all the seniors terrified of losing their social security and Medicare?   If you truly think the politicians in Washington are running our country the way it needs to be run, you are the one not facing the true reality of what is really going on in Washington.  They have a deficit which is enough to give sane people an ulcer yet do nothing about it.  They just keep spending, and printing more "money"  and not taking any measures to control a government and economy which is "out of order" or as I prefer to state "in chaos". 

My posts may seem to be mainly about zero interest rates but when I constantly write to my senators and reps in Washington, I assure you it is about more than this!  The politicians in Washington are allowing our government to spin out of  control and no one seems to be able to take charge.  How you define "chaos" and how I define it may be different but when it comes to what "isn"t" being done in Washington, I see my country in "chaos" as per Websters.  BTW, the banks hoarding money and not giving out much needed loans is NOT what I consider a "healthy" bank.   You think it's great people can buy homes with cheaper rates on the backs of seniors who can't get 2% for a CD?  And this is a good working economy?  You and I are on two different planets when it comes to what is going on in the US today.   Shorebreak has a great article he shared about how certain people think "Bernanke is Nuts" etc.  You can read it on the Forum and realize I am not the only one who thinks things are very wrong with how our country is being run.  Maybe you prefer terms like others use such as "we're in the crapper" but I am a lady and prefer to avoid such terms. 
Anonymous   |     |   Comment #14
Paoli2 - #11

There is NO "financial chaos" in the USA today.  BUT there is a "financial chaos" for us that have saved our entire lives to have a secure retirement by investing in CDs.  Bernanke had ruined that.  Regardless of who is elected president the rates will not make a comeback.  Most of the people on main street WANT low interest rates because they DON'T save a dime.  They just want handouts.  Low rates give main street and business cheap money at very little cost.  Whether you vote DEM or REP doesn't matter.  Everyone wants low interest rates except for the savers.  Sorry to say that........
Anonymous/Paoli   |     |   Comment #15
#14  You are exactly correct in your understanding of what is going on.  To take it one step further, I think no matter who wins, they know they can't afford to raise interest rates because it will cost the US so much more for the interest they owe to China and others who buy our bonds etc.  We are royally ****ed and I, for one, do not expect to see higher rates for many, many years to come.  That is why I have gotten 5 year and higher CDs even at these low rates.  Maybe 2% may sound outrageous for others but I know what "I" need for my family to survive.  I planned for this many years ago so I am doing what is best for my family.  BTW, you don't think the kind of debt the US has hanging over us is not an economy in great disorder or as I consider it a "chaos"?  It's not just the savers who are in chaos.  If they don't do something about our debt crisis soon, you WILL see the US in chaos when they can't pay their debts to us and foreigners.  The worse hasn't happened yet.  The pot is still brewing and it will boil over if they don't do something soon.  I assure you, I am not the only person who has this concern.  Our nation is in great distress and if you disregard the signs.....  enough said.
Anonymous/Paoli   |     |   Comment #16
BTW, for anyone who thinks my use of the word "chaos" is extreme, I suggest you goggle up "Is the US A nation in financial chaos?" and you will bring up many articles stating everything I have posted here and even more.  They also use "chaos" to explain our financial condition and what is looming on the horizon if something isn't done soon.  There are too many links for me to include in this post but you can find all of them with just that one question.  Have a good night.
Anonymous   |     |   Comment #17
Paoli......So if you consider this is in the US to be financial chaos & total confusion or disorder, then how would you describe the conditions currently in Spain. After all they have 25% official unemployment & over 50% official youth unemployment. Massive wage cuts, massive pension cuts. Not just a percent or two here & there.  Perhaps you'd like to refer to Spain as going through Armageddon or how about the end of civilization as we know it? I mean please.............

By the way, I live 40 miles from one of the many troubled California cities. Most of the people there work, there is food in the stores & the economy still functions seamlessly, believe it or not. There is police & fire protection. There are no massive demonstrations or hordes of the disenchanted & & starving rioting in the streets the last time I checked. Perhaps you'd like to enlighten me as to where exactly this is happenning in the US right now.

 If what we're going through right now is "financial chaos", then please can I have some more of this next year, because I'm doing great.  

Anonymous/Paoli   |     |   Comment #18
To those who think I am being extreme using the term "chaos", let me make myself clear.  Just because "you" don't see it yet in your life doesn't mean it isn't on the horizon.  Of course we are not yet like Spain or other countries screaming in the streets.  We are Americans and most of us will fall off the cliff not even knowing we are being led until we have nothing left to hold on to.  Why don't you research the financial status of many of our cities and pay attention to the thousands of people who are losing their jobs.  But, as long as it isn't your job, why be concerned?  We have a debt of trillions of dollars over our heads in Washington, and they seem to have the same attitude.  Why do anything about it?  Many of the voters could care less.  They will still vote for Obama because when the War breaks out, he knows they won't risk changing Presidents.  Besides that.  He has such a nice smile!

Doesn't it bother you that our rating was lowered not too long ago and now they are talking about lowering it even more.  How devalued must our currancy get before you can't afford to even eat at McDonalds much less your nice expensive restaurants?   When I refer to the word "chaos", I should make it clear that is the term other writers are using for our country because "they" can see all the signs of what is coming.  We, imo, are on the verge of chaos and if we don't wake up soon, it will be here.  And that is as cheerful as I can be for you today.  Continue to play "Let's Pretend" just don't include me in your games.

BTW #17:  Maybe you are doing great right now but I can assure you that you are one of the lucky ones.  Don't you keep up with the number of Americans on Welfare and Food Stamps now!  Just because "you" are doing great, does that mean you could care less about the thousands of unemployed people who can't find jobs?  What about the thousands of college graduates who have all those student loans but can't find a job in their chosen field. But they are over-qualified for Burger King!   Your country is in trouble but that doesn't matter.  YOU are doing ok!   Have a nice day! 

Anonymous   |     |   Comment #21
#18, #19, Paoli..........Yes, I'm self centered. Everyone is self centered to some degree. The people who come here complaining about low rates aren't being self centered? Really? Please! Am I worried about the deficit? No, not really. There is an easy way to reduce it if we really wanted to. Do I believe the country is on the verge of bankruptcy? No, not even remotely. Above & beyond the fact that this country enables other countries to succeed & is therefore essential beyond definition in the worlds economy, this country has intangible assets that have always greatly outstriped the tangible ones. Anyone that has lived in different parts pf the world, like I have, will tell you that despite all the issues we have...............this is where most of the world wants to come to live. I could go on & on about this issue, but what is the point. 

Do I really care about the unemployed or ones on welfare? No, because the truth is that in most places in the world those people would be in far worse shape than here. Do I care about the long term unemployed? Sorry but the truth is that you don't want to be employed or you think certain jobs are beneath you. Well, tough.............if you really want a job then swallow your pride & take what is available. Or start your own business like I did 15 years ago when I got tired of the corporate bs. And yes, I did that with my own money. 

No one owes anyone anything. There are people who apparently can only survive when government policy favors them. And then there's others who will thrive regardless of government policy. As much or as little effort as I have cared to put, I have always............ & intend to always be part of the latter category. Others should do the same & quit blaming everyone else for their shortcomings &/or bad planning. 
Anonymous/Paoli   |     |   Comment #22
#21  You evidently don't read all those negative articles on Ken's Forum.  Those writers certainly don't agree with you that everything is fine in the US.  I prefer hearing that all is well with our country and believe what you write is true.  So maybe I need to stop watching tv, reading articles and just print up a copy of your post to convince me all is well in our country.  That deficit you think is not dangerous is just a blimp and can't destroy so much of what is great in our country.  No wonder Obama doesn't take it serious enough to do anything about it.  We can give him another 4 years and we can have an even bigger deficit to rejoice about.  Thank you so much for bringing some joy into my life! 
Anonymous   |     |   Comment #23
#21  You are 100% dependent on others.  Being a business owner you need customers.  If too many people are unemployed, underemployed, or cut back on spending your business will not thrive as you have portrayed about your success.  You'll even need to depend on a lawyer in bankruptcy court!  Hopefully you can pay his bill.  BTW, if you'll so successfull why are you wasting your time on this blog?

Anonymous   |     |   Comment #24
#23.........I'm not dependent on anyone actually.  I've sold my business a few years ago & am involved in a new venture. So let me get this straight, are you suggesting that only unsuccessful people populate this blog? 

Why am I here? I've explained this on anpther thread already. In a nutshell, it's "community service". It's like when you're an athlete busted for drugs, who then has to go to high schools telling everyone how bad drugs are. Years ago I worked as a broker & sold some products for big commissions. But alas these products failed to keep up with inflation, so the courts ordered me here to counsel everyone to only invest in things that give you a positive return. In other words.............not CDs. :)
Anonymous   |     |   Comment #27
#24.......Give me a break.  Your so full of yourself, you should see a psychiatrist.  As for participation in this blog, I believe anyone that want's to post, should.  But not with all the BS you being stating!  Just facts.
Anonymous   |     |   Comment #28
#27...........I'm already seeing a psychiatrist (literally) & she thinks I'm fine, or at least that is what she says. But thanks for your concern. 
Anonymous/Paoli   |     |   Comment #29
#28  If you can afford to see a psychiatrist on a regular basis, you must be rich!  You ARE Donald Trump for sure!  Not to offend you but there probably isn't anything you can post that I don't already have a copy of from others with your same financial beliefs.  I kept a copy of all of the reports from those financial seminars I attended.  I could write my own financial books but my way isn't the way normal humans would be willing to follow.  It works for me and that is what is important in building up finances.  We must find what works for "us"!

As for wealthy people from China etc. wanting to come here.  It is very obvious why.  They want to be where "their" money is.  I don't think China ever expected us to allow our economy to deteriorate to such an extend but now that they have a fortune invested in our debt, they either stick it out hoping we do better or they take us over.  I think they should start teaching the Chinese language in all schools asap!  How many times do they have to lower our ratings before you and others take seriously what is happening to our once great country?  You may think you are rich today but if our currancy keeps deteriorating, your millions won't be millions for very long.  Have a good night!
Anonymous   |     |   Comment #19

I think Anonymous #17 hit the nail on the head with the statement:

"If what we're going through right now is "financial chaos", then please can I have some more of this next year, because I'm doing great".  This person is self-centered.

Most of the people have jobs or have CDs which are paying high rates since they were take out before the financial meltdown and have yet to mature.  But their day of "withdrawing from their principle" will come sooner than later. 

Some people have annuities which are paying good returns, but I read yesterday that some insurance companies are starting to invoke the "fine print" to reduce payments.

Many pension plans are underfunded.  The affected companies are looking at creative ways to reduce their liabilities.  Another future impact on future and current retirees.  Pensions are not 100% guaranteed.

I could go on with many other examples of what is in the early stages caused by bernanke's policies, but I think I get my point across.

Most people don't care if it doesn't affect them directly at the current time as #17 pointed out.

Many of your points are well taken, but even the President (dem or rep) can't change everything.
Anonymous/Paoli   |     |   Comment #20
#19  Thank you for saying it better than I could.  I appreciate your understanding my irritation at the attitude of people like #17.  I, too,  have read that many of these so called "safer" better yielding investments are also having problems.  I have done the best I can for my family and just feel great concern for what can happen to others who still have yet to feel the impact of what is on the horizon for our country.  Thank you for taking the time to post your feelings.
Anonymous   |     |   Comment #25
Paoli..........I'd be happy to provide any material that I've written & that you'd care to print out in lieu of reading all the other negative articles out there. And incidentally, I don't care one bit for Obama.............but he's likely going to win & I'm confident that regardless of who wins, the world will not end & this country will more than just survive. When you look back 10-15 years from now, you'll see I'm correct.
Anonymous   |     |   Comment #26
 Although I've lived here on & off for almost 30 years, I wasn't born in this country.............& yet it appears from the many posts I've read, that I'm the one who has the most confidence in the resiliciency & the future prospects of this country. I find it rather interesting that I'm the one that doesn't think that we're going bankrupt or falling off a cliff, as someone put it. That I'm the one who thinks that this country is going to be stronger 10 years from now than it is today & so on. 

If you people had any idea how many well off & super well off people from China, Taiwan, Malaysia, Indonesia etc etc. have already made plans for themselves & their money to come here at the first sign of trouble, you would feel better about future prospects. Not for you necessarily, but for this country
Anonymous   |     |   Comment #30
Paoli.........I mean literally "seeing" a psychiatrist.............as in socially. But come to think of it, that still costs me money. :) 
Anonymous   |     |   Comment #31
#30  Your posts make you appear to be a very self-centered whatever.  Do you use WD40 to lubricate your joints?
Anonymous/Paoli   |     |   Comment #32
#31  Your post to #30 makes you seem very juvenile.  Have you run out of prunes?
Anonymous   |     |   Comment #37
#31..........You say "self centered" like it's a bad thing. :)  I don't understand the WD-40 reference/comment, please explain. 
Anonymous/paoli   |     |   Comment #38
#37  Haven't you ever seen the Wizard of Oz?  The Tin Man??  WD40??  Our friend could at least respond to your question.  It's very obvious to all what I meant by the "prunes" and it wasn't aimed at you.  I bet that nice psychiatrist you are "seeing" can explain to you what the WD40 means.  I think he's comparing you to that nice Tin Man but he didn't have a brain and from your posts, it's obvious you do! 
Anonymous   |     |   Comment #33
Paoli..I just can't figure you out.  You play both sides of the fence.  Do you ever think and read before you make comments?
Paoli2   |     |   Comment #34
#33:  Playing both sides of the fence is a lot better than "sitting on the fence" not taking a position.  Your place is not to try to figure me out.  Figure yourself out and be concerned about your own mental state not mine. 
Anonymous   |     |   Comment #35
Hey Paoli I agree with #33 and their comment.  You made a derogatory comment (#32) against the person.  If anyone needs to take a stance it's you.  I agree that you play both sides of the fence.  You need to sit back and chill.

Paoli2   |     |   Comment #36
#35  What is this?  Gang up on ladies Day?  What is derogatory about "prunes"?  Can't you people take a joke?  I had no idea we had a "fence" in this Blog.  I was just reacting to certain posts but if they are not what you want then I guess it's ok for you to overreact to what I post.  I will leave you to yourselves today.  I have other projects I have to complete.  Bye for now.
Anonymous   |     |   Comment #39
Paoli.........No, I've never seen that. I didn't grow up in the US, so there are substantial slices of Americana, if you will, that I'm pretty uninformed about. Thx. for the info., I will put it on my Netflix cue. 
Anonymous   |     |   Comment #40
Hey Paoli.. There you go again.  You made a derogatory comment (#38) against #37.   Are you saying #37 is so tight with money (being self centered) they need WD-40 to lubricate their joints like the Tin Man in the Wizard of Oz?  Although #37 did complain about he didn't like spending money on the psychiatrist he's seeing.  You really need to take a break and chill.


Anonymous   |     |   Comment #47
#40, #42, #44, #46..............You have completely misinterpreted my response. I was not complaining, hence the :) Just having a conversation with Paoli & lightening up the mood a bit. 

Wow, I thought I was argumentative. If you want to pick a fight with Paoli, go for it. But I I choose my own fights & I have no argument with Paoli. You're sadly mistaken if you think that I can be goaded into one. 
Anonymous/Paoli   |     |   Comment #41
Hey #40, what makes you think you can hide behind your Anonymous post?  At least I have a name! You are the one who needs to chill out.  He did not complain about spending money on his girlfriend.  He was just making it clear she wasn't a professional friend only.  I was only trying to help him understand the reason for the WD40 since #31 seems to be a "hit and run" kind of poster and won't explain his post.  Are you #31 hiding behind #40 and all the other anonymous numbers you use as names? 

Now back to the reason I first posted.  #39:  You haven't seen the "Wizard of Oz"!?  It is so famous here in the States that after all these years they still show it on tv for our kids who weren't born back then.  It's a Judy Garland move.  But then again, you may not know who she is either.  No wonder I haven't amassed your fortune.  "I" was wasting my time at the movies and you were out there building up your fortune!  Good for you, bad for me.  It really is a child's fantasy movie musical so you may not  want to Netflix it.  I wasn't trying to insult you as #40 is trying to insinuate.  Just trying to figure out the WD40 post myself.  Now I will "chill out" (whatever that means) and read the financial reports so I can really be in a good mood!  
Anonymous   |     |   Comment #42
Paoli.. look at post #30.  Isn't that where he is complaining about spending money on his girlfriend you referred to?

Anonymous/Paoli   |     |   Comment #43
#42  He posts "she still costs me money".  That isn't a complain, that is a fact of life.  Unless all they do is spend their time reading our posts, I think when he sees her, he is at least taking her to McDonald's or to a movie.  Unless they go "dutch" a gentleman (which I think he is) treats a gal on their outings.  Dating is expensive in these days and that is why many go dutch but that doesn't mean he is complaining about it.  You are reading what you want to read into his posts but I think I am right this time. 
Anonymous   |     |   Comment #44
#42 If "she still costs me money" was posted, it was meant as a complaint.  Gentlemen don't post or discuss dating expenses unless it annoys them.
Anonymous/paoli   |     |   Comment #45
#42  Are you old enough to date and are you a male?  First of all, he has a :) (smiley) by it which shows he wasn't being negative in the remark.  He wasn't discussing dating expenses but joking with ME about who the psychiatrist really was.  I find in this Blog the one thing that gets me attacked the most is when I think I am joking with someone and the post is taken seriously.  Sometimes I forget to put the "smiley" icon by it. 

What is your real problem with this particular poster?  I find him to be very polite, intelligent and evidentally a hard working person to have achieved what he has.  It doesn't matter if he is 20 or 90 years old.  He seems to have already achieved the goals many of us are still trying to achieve and he should be welcomed on this Blog, not nitpicked and attacked with remarks you won't even explain to him.    It's obvious I am not the joy of this Blog but I am still around because I need the help Ken's Blog and Forum provides.  I appreciate it when the successful folks, men or women post to help us learn even more.   I would hope you would have the same feelings for them. 
Anonymous   |     |   Comment #46
Have you admitted to ever being wrong on anything?
Anonymous   |     |   Comment #48
Looks like paoli's still in the Kentucky mountains......been peacefull
Anonymous   |     |   Comment #49
Where do you get the idea Paoli is in Kentucky??  Things are too quiet there for someone of her nature.