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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Survey of the Best CD Rates for November 15, 2013


Survey of the Best CD Rates for November 15, 2013

The big news for rates this week came from the Senate confirmation hearing of Janet Yellen. If she is confirmed, she’ll replace Ben Bernanke as the next Fed Chair on February 2014. During the hearing, Yellen vigorously defended the Fed’s bond-buying program (QE), and suggested tapering could be delayed for quite awhile. That put downward pressure on Treasury yields.

This was another week with few changes to the CD rates on my list of top nationwide CDs. EverBank has once again joined the 2% club with a 2.01% APY 5-year CD (up from 1.96%). This CD rate has gone up and down several times in the last five months.

Best Deal: PenFed’s 2.02% 3yr CD

CD investors have two issues to consider. First, there’s a chance we could see big rate increases in the next few years. However, there’s also a chance that we’ll see rates remain low for the next few years. If you want to hedge your bets on both possibilities, it’s hard to beat PenFed’s 3-year CD with a 2.02% APY. In my opinion, this remains the best nationally available CD deal. I have more details about PenFed and its CDs in my PenFed CD review. Many readers have also shared their experiences with PenFed CDs in the comments of that review.

Local CD Deals

Just like the nationwide CDs, there weren’t many rate changes in the local ones.

Two rate increases of note were at Dollar Bank and at Wright-Patt Credit Union.

Dollar Bank is a sizable community bank with many branches in the Pittsburgh and Cleveland metro areas. Its 10-year CD rate increased this week from 2.60% to 2.75% APY.

Wright-Patt Credit Union is a large credit union with branches in several Ohio cities including Fairborn, Dayton and Cincinnati. This is the second straight week for CD rate increases at this credit union. This week its rates went up by 10 basis points. Its Jumbo 6-year CD rate increased to 2.50% APY. I also added its Jumbo 5-year CD to the list. Its rate is now 2.05% APY.

Long-Term CD Break Strategy

For the short-term CDs in my lists, you might notice CDs with the note "5-year CD closed after X years". These take into account the yield after the early withdrawal penalty is applied. Since Ally Bank's 5-year CD only has a 60-day interest penalty (until 12/7/2013), it's still a good deal when closed early even with the recent rate cuts (Note, this is scheduled to change on new CDs on 12/7/13. See post.)

If you want to compare the effective yields of other CDs after the early withdrawal penalties, please refer to our CD early withdrawal penalty calculator.

The risks of planning for early withdrawals of long-term CDs were recently highlighted by the deposit agreement change at Ally. The risks have also been seen at credit unions which have raised the early withdrawal penalties on existing CDs. I have more details in this blog post.

Note About the CD Survey

As I described in my rate table overview, you can use our CD rate tables to find the best rates for both nationally available CDs and local CDs. This CD survey blog posts are intended to highlight nationwide CD deals that may not be apparent in the tables. For example, I'll include the post-penalty yields of a few long-term CDs.

The CD survey blog posts are also intended to highlight the local CD deals that are available in large metro areas. There are many high CD rates, but most of these are at small banks in rural areas or at small credit unions with very narrow fields of membership. In these local CD surveys, my focus is on local CD deals that are in big cities or that are available in large areas of a state.

Yields Accurate as of November 15, 2013

Under 1-Year CD Rates

Communitywide Federal Credit Union2.00% ($50K max) 6-mo special CD w/active chkaccount review
EverBank1.10% checking/MMA intro 6-month rate ($100K/$50K max)account review
Ally Bank1.07% (1.60% 5-year CD closed after 6 months)see review & risks
Xceed Financial Credit Union1.00% 7-month CD
Connexus Credit Union1.00% 6-month CDw/active chk
Doral Direct0.91% 9-month CDaccount review
Bank5 Connect0.90% 6-month CDNot available to MA & RI residents
CapitalSource Bank0.90% ($10K) 6-month CD special
Doral Direct0.87% 6-month CDaccount review
Ally Bank0.87% 11-month No-Penalty CDsee account review

Noteworth Local Deals

HomeBanc1.35% (max $75K) 3-month CDCentral Florida
Suntide Credit Union1.15% 6-month CDCorpus Christi, TX metro
Doral Bank NY1.00% 6-month CDNYC
Capital One Bank1.00% savings acct w/1yr rate lockParts of TX, NY, NJ, MD, VA and DC

1-Year CD Rates

Ally Bank1.33% (1.60% 5-year CD closed after 1 year)see review & risks
Connexus Credit Union1.10% 1-year CDw/active chk
Nationwide Bank1.06% ($100K) 1.01% ($500) 1-year CD
CIT Bank1.05% ($25K min)add-on & bump-up 1-year CD
GE Capital Bank1.05% 1-year CD
DollarSavingsDirect1.05% 1-year CD
GE Capital Retail Bank1.05% ($25K min) 1-year CDFormerly MetLife
Bank5 Connect1.00% 1-year CDNot available to MA & RI residents
Barclays1.00% (2.00% 5-year CD closed after 1 year)see review & risks

Noteworthy Local Deals

Suntide Credit Union1.55% 1-year CDCorpus Christi, TX metro
Gulf Coast Federal Credit Union1.50% 12-month CDCorpus Christi, TX metro
University of Iowa Community Credit Union1.25% 14-month CD specialmany Iowa counties
LOMTO Federal Credit Union1.20% 1-year CDparts of New York City
Doral Bank NY1.20% 1-year CDNYC
HAB Bank1.15% 1-year CDSouthern California
Regal Financial Bank1.11% 11-month CD specialWashington State
Beal Bank1.11% 1-year CDSoutheast FL
HAB Bank1.10% 1-year CDNYC metro
General Electric Credit Union1.02% ($100K) 1-year CDCincinnati OH metro

18-month CD Rates

McGraw-Hill Federal Credit Union1.50% 15-month CD specialw/active checking with direct deposit
Ally Bank1.42% (1.60% 5-year CD closed after 18 months)see review & risks
Xceed Financial Credit Union1.25% 19-month CD
GE Capital Retail Bank1.15% 15-month CD specialFormerly MetLife
GE Capital Bank1.15% 18-month CD
GE Capital Retail Bank1.10% ($100K) 1.05% ($25K) 18-month CDFormerly MetLife
Nationwide Bank1.09% ($100K) 1.04% ($500) 18-month CD
Bank5 Connect1.05% 18-month CDnot available to MA & RI residents
CapitalSource Bank1.05% ($10K) 18-month CD
Doral Direct1.02% 18-month CD, one-time penalty-free early withdrawal optionaccount review

Noteworthy Local Deals

Money One Federal Credit Union1.90% 19-month CD specialMD, VA and DC
Gulf Coast Federal Credit Union1.65% 18-month CDCorpus Christi, TX metro
Superior Choice Credit Union1.50% ($10K) 20-month CDparts of WI and MN
NEFCU1.25% 20-month CDLong Island, NY
Doral Bank NY1.25% 18-month CDNYC

2-Year CD Rates

Barclays1.50% (2.00% 5-year CD closed after 2 years)see review & risks
Ally Bank1.47% (1.60% 5-year CD closed after 2 years)see review & risks
Connexus Credit Union1.30% 2-year CDw/active chk
Pentagon Federal Credit Union1.26% 2-year CD
Bank5 Connect1.25% add-on 2-year CDnot available to MA & RI residents
Melrose Credit Union1.21% 2-year CD
CIT Bank1.20% ($25K min) add-on & bump-up 2-year CD
Northwest Federal Credit Union1.15% ($100K) 1.05% ($25K) 2-year CD+0.25% w/relationship

Noteworthy Local Deals

Suntide Credit Union1.95% 2-year CDCorpus Christi, TX metro
Gulf Coast Federal Credit Union1.85% 2-year CDCorpus Christi, TX metro
NavyArmy Community Credit Union1.70% ($100K) 1.40% ($1K) 2-year CDCorpus Christi, TX metro
Doral Bank NY1.45% 2-year CDNYC
LOMTO Federal Credit Union1.45% 2-year CDparts of New York City
BrightStar Credit Union1.25% 23-month CD (+0.25% w/chk relationship)parts of Southeast FL

3-Year CD Rates

Wilshire State Bank2.28% 3-year installment savings account w/auto xfers, $100K maxaccount review
Pentagon Federal Credit Union2.02% 3-year CD
Connexus Credit Union1.75% 3-year CD w/active chk
Barclays1.67% (2.00% 5-year CD closed after 3 years)see review & risks
Melrose Credit Union1.46% 3-year CD
Intervest National Bank1.45% 3-year CD
Ally Bank1.51% (1.60% 5-year CD closed after 3 years)see review & risks
Andrews Federal Credit Union1.41% 3-year CD
CIT Bank1.40% ($100K) 1.27% ($1K) 3-year CD
Northwest Federal Credit Union1.30% ($100K) 1.20% ($25K) 3-year CD+0.25% w/relationship
Bank5 Connect1.18% (average apy) limited no-penalty 3-year CDnot available to MA & RI residents

Noteworthy Local Deals

NavyArmy Community Credit Union2.05% ($100K) 1.75% ($1K) 3-year CDCorpus Christi, TX metro
Gulf Coast Federal Credit Union2.02% 3-year CDCorpus Christi, TX metro
2.00% 3-year CD specialSouthern CA
Institution For Savings2.00% 3-yearCDparts of MA
LOMTO Federal Credit Union1.60% 3-year CDparts of New York City
Doral Bank NY1.60% 3-year CDNYC
Department of Commerce FCU1.55% 3-year CDWashington DC

4-Year CD Rates

Pentagon Federal Credit Union2.02% 4-year CD
Barclays1.75% (2.00% 5-year CD closed after 4 years)see review & risks
CIT Bank1.75% ($100K) 1.65% ($1K) 4-year CD
Nationwide Bank1.72% ($100K) 1.67% ($500) 4-year CD
Andrews Federal Credit Union1.71% 4-year CD
Melrose Credit Union1.71% 4-year CD
GE Capital Retail Bank1.70% ($100K) 1.50% ($2K) 4-year CDFormerly MetLife
Communitywide Federal Credit Union1.70% 4-year CDaccount review
GE Capital Bank1.67% 4-year CD
Barclays1.65% 4-year CD
iGObanking.com1.65% 4-year CD
Intervest National Bank1.65% 4-year CD
Alliant Credit Union1.55% 4-year CD
Ally Bank1.53% (1.60% 5-year CD closed after 4 years)see review & risks
EverBank1.51% 4-year CD
Ally Bank1.30% Raise-Your-Rate 4-year CD

Noteworthy Local Deals

Bank of Utica2.25% 4-year CDCentral New York
Bayer Heritage Federal Credit Union2.15% 4-year CDparts of WV, OH & SC
HarborOne Bank2.00% 4-year CDNew England
Institution For Savings2.00% 4-year CDparts of MA
HAPO Community Credit Union1.90% 4-year CDall of Washington State
Department of Commerce FCU1.80% 4-year CDWashington DC
MidFirst Direct1.75% 4-year CDAR, AZ, CA, FL, MO, NH, NV, NY, OK, TX, and WY
LOMTO Federal Credit Union1.75% 4-year CDparts of New York City
Police and Fire Federal Credit Union1.75% 4-year CDPennsylvania
Doral Bank NY1.65% 4-year CDNYC
Fifth Third Bank1.50% 4-year CD specialseveral eastern and midwestern states

5-Year CD Rates

Stanford Federal Credit Union2.22% ($100K) 5-year CD, requires chk w/ddaccount review
American Heritage Federal Credit Union2.10% 5-year online CD
CIT Bank2.05% ($100K) 1.85% ($1K) 5-year CD
State Bank of India - New York2.05% 5-year CD
Fidelity New Issue Brokered CD2.05% 5-year non-callable CDissued by GE Capital Retail Bank
Nationwide Bank2.02% ($100K) 1.97% ($500) 5-year CD
Pentagon Federal Credit Union2.02% 5-year CD
EverBank2.01% 5-year CD
GE Capital Bank2.01% 5-year CD
GE Capital Retail Bank2.00% ($100K) 1.95% ($25K) 5-year CDFormerly MetLife
Barclays2.00% 5-year CD
Salem Five Direct2.00% ($10K) 5-year CD
Connexus Credit Union2.00% 5-year CD w/active chk
Communitywide Federal Credit Union2.00% 5-year CDaccount review
McGraw-Hill Federal Credit Union2.00% 5-year CD specialw/active checking with direct deposit
Melrose Credit Union1.96% 5-year CD
Intervest National Bank1.95% 5-year CD
Andrews Federal Credit Union1.91% 5-year CD
State Farm Bank1.90% 5-year CD
Ally Bank1.60% 5-year CD

Noteworthy Local Deals

Bank of Utica2.50% 5-year CDCentral New York
American Airlines Credit Union2.47% 5-yr/1.46% 2.5-yr CD ladderlimited membership
Bayer Heritage Federal Credit Union2.40% 5-year CDparts of WV, OH & SC
Progressive Credit Union2.32% 5-year CD (NYC with unique FOM)account review
MidFirst Direct2.25% 5-year CDAR, AZ, CA, FL, MO, NH, NV, NY, OK, TX, and WY
BBVA Compass2.25% (w/relationship checking) 2.00% (w/o relation) 5-year CDparts of AL, AZ, CA, CO, FL, NM and TX
First Community Federal Credit Union2.21% 5-year CD w/relationshipparts of MI, WI and IL
Department of Commerce FCU2.10% 5-year CDWashington DC
Wright-Patt Credit Union2.05% ($100K) 1.95% ($500) 5-year CDUS gov military and civilian personnel, Parts of OH
General Electric Credit Union2.03% 5-year CDCincinnati OH metro
Central Bank & Trust2.02% 5-year CDColorado Springs, CO
HAPO Community Credit Union2.00% 5-year CDall of Washington State
Institution For Savings2.00% 5-year CDparts of MA
LOMTO Federal Credit Union2.00% 5-year CDparts of New York City
Police and Fire Federal Credit Union2.00% 5-year CDPennsylvania

Over 5-Year CD Rates

Fidelity New Issue Brokered CD3.30% 10-year non-callable CDissued by GE Capital Retail Bank and GE Capital Bank
Fidelity New Issue Brokered CD2.70% 7-year non-callable CDissued by GE Capital Retail Bank, GE Capital Bank and CIT Bank
Apple Federal Credit Union2.50% 10-year CD
Apple Federal Credit Union2.10% 7-year CD
Intervest National Bank2.07% ($95K) 2.05% ($2.5K) 10-year CD
GE Capital Bank2.05% 6-year CD
Pentagon Federal Credit Union2.02% 7-year CD
Discover Bank1.90% 10-year CD
Northrop Grumman FCU1.90% ($40K) 1.74% ($2.5K) 7-year CD
Discover Bank1.80% 7-year CD
Third Federal1.75% 6-year CD

Noteworthy Local Deals

Hutchinson Credit Union3.15% ($250K) 3.10% ($100K) 3.05% ($25K) 10-year CDKansas
PeoplesChoice Credit Union3.04% 10-year CDYork and Cumberland Counties of Maine
Frick Tri-County Federal Credit Union3.00% 10-year CDparts of Western PA
Dollar Bank2.75% 10-year CDPittsburgh and Cleveland
MidFirst Direct2.75% 7-year CDAR, AZ, CA, FL, MO, NH, NV, NY, OK, TX, and WY
SACU2.75% ($90K) 2.70% ($10K) 10-year CDSan Antonio, TX
Franklin Federal Savings Bank2.73% 7-year CDRichmond, VA metro
Wright-Patt Credit Union2.50% ($100K) 2.40% ($500) 6-year CDUS gov military and civilian personnel, Parts of OH
Frick Tri-County Federal Credit Union2.50% 8-year CDparts of Western PA
MidFirst Bank2.70% 7-year CDAZ and OK
Hutchinson Credit Union2.50% ($250K) 2.40% ($100K) 2.30% ($25K) 6-year CDKansas
Franklin Federal Savings Bank2.42% 6-year CDRichmond, VA metro
SACU2.25% ($100K) 2.20% ($10K) 7-yearSan Antonio, TX
Security Service Federal Credit Union2.20% ($100K) 2.05% ($500) 7-year CDparts of Texas, lower rates in CO and UT
Columbia Bank2.10% 7-year CDNew Jersey
Gateway Metro Federal Credit Union2.05% 6-year CDSt. Louis metro
Randolph-Brooks Federal Credit Union1.97% 7-year CDSan Antonio & Austin, TX
First Republic Bank2.00% (w/chk) 1.75% (w/o chk) 6-year CDparts of CA, CT, FL, MA, NY & OR
Columbia Bank1.95% 6-year CDNew Jersey

Note: All rates listed above are Annual Percentage Yields (APY) which factor in compounding.

Related Pages: CD rates
scottj   |     |   Comment #1
Someone needs to smack Yellen upside the head 
Anonymous   |     |   Comment #3
Hey ya'll quit yellen 'bout yellen and start hollerin 'bout coverin ur retirement with entitlement(s) yeah!
Jennifer W.
Jennifer W.   |     |   Comment #4
I would grab those 2.00% plus long-term CD's while they're still available.  Looks like we're going back down to the days of 1.50% 5-year CD's.  They kept saying that 2014 would see some higher deposit rates.  Not happening!
Anonymous   |     |   Comment #5
You should stop the "closed after x years" entries.  It's misleading and causes confusion.  Every bank cd has EWPs that can equate to different aggreate yields.  At least put them in their own group. 
Shorebreak   |     |   Comment #6
Economists who confidently predicted that the fed funds rate would be pushed up this year have had to push their projections back to 2014, then 2015 and now a growing number of experts don't think it will happen until sometime in 2016.

Take, for example, Aneta Markowska, the senior U.S. economist at Societe Generale, a French bank and financial services company.

In a note to investors, she analyzed the research papers Fed economists presented at an International Monetary Fund conference this month and what Janet Yellen – President Obama's nominee to be the next Fed chair -- said during her Senate confirmation hearing this week.

Markowska concluded that the Fed would not allow short-term interest rates to rise until the unemployment rate reaches 6.0%, "which pushes our expected liftoff in the Fed Funds Rate to the first half of 2016."

QED   |     |   Comment #7
Yellen is very bad for us savers and is a catastrophe for America.  We must somehow break the iron grip of "coastal types", such as Yellen, on this country.  It's worse than being ruled by a king.  These people, typically ivy leage and too often out of the Boston/NYC/DC corridor or educated there, think they are smarter than God.  Instead, they are foolish idiots.  And they are positively destroying this country, taking us apart brick by brick!!
Anonymous   |     |   Comment #8
Time to buy long term CDs 5 years, she will print money for the next 5-10 years, why, because the government runs deficits and somebody has to provide the money and cover the shorts.
Anonymous   |     |   Comment #9
Obamacare will cost over $2 trillions in the next 10 years, plus the regular budget deficit or $1 trillion and 100 Millions on government dole, forget the rates going up for as long as 10 years, otherwise the interest alone on the national debt will bankrupt USA.
Anonymous   |     |   Comment #10
Grandma Yellen's answer when questioned about the ZIRP for retirees was for them to get a part-time job to avoid loosing principle.  After working and saving for over 45 years for retirement, THIS IS THE BEST OUR GOVERMENT CAN DO????
Shorebreak   |     |   Comment #11
The greatest transfer of wealth in history will evidently continue under Queen Janet:

When confronted with concerns about people struggling to live off fixed incomes, Yellen agreed that “low interest rates harm savers, it’s absolutely true.” Harming at least some savers, however, may be part of the plan, at least if Yellen agrees with Charles Evans, the president of the Federal Reserve Bank of Chicago. He has argued that the threat of wealth confiscation by negative interest rates is necessary to restore spending and “risk-taking” back to “normal levels.”

To be fair, the wealthy probably hold far more safe assets than they really need. But Bankrate, a consumer financial services company, has found that less than one-quarterof Americans have enough cash on hand to cover just six months of expenses in the event of an emergency. Imposing negative rates on them in an attempt to boost consumer spending reminds me of the old saying that the beatings will continue until morale improves.

scottj   |     |   Comment #12
I'm wondering if some regions where real estate is doing well will see higher rates sooner? Home sales are doing very well in my area and wondering if that is why I'm seeing banks back to advertising CD rates in the papers here? Decent deals have been popping up from different local banks with CDs of 3 years or less for 2%. Figure banks must be doing a better mortgage business and at some point do they need more organic deposits instead of just borrowing from the fed? I'm hoping that is the case so we don't have to wait for Yellen to be our only hope.
scottj   |     |   Comment #13
Agree with you Shorebreak, savers are not a demographic they care about hurting. Most Americans live paycheck to paycheck so Fed knows not many care about us "whiners" who actually have decent savings built up. Hopefully we can break the Socialist ways Obama is bringing or we are pretty much ****ed
Shorebreak   |     |   Comment #14
When is the last time you heard the word 'thrift' out of the mouth of any person who wields power over the financal policies of this country? You won't, because 'thrift' is now considered a dirty word. Spend, borrow, speculate and creating asset bubbles are in vogue now. The top ten percent who have 81% to 94% of stocks, bonds, trust funds, and business equity, and almost 80% of non-home real estate will be further enriched by the Fed policy makers. The remaining ninety percent will increasingly become dependent on government largess to eke-out a living.
Anonymous   |     |   Comment #15
Shorebreak:  You mentioned "financal policies of this country" in your post.  May I ask, what financial policies does this country have.  All I see is a dart board with a bunch of "random thrown darts.  Not a one hitting the middle.
Shorebreak   |     |   Comment #16
Re: Anonymous - #15,Sunday, November 17, 2013 - 9:25 AM

I posted "any person who wields power over the financal policies of this country".  I didn't mention any specific policies. IMHO I do believe there is a policy in place, but it's not for the benefit of the country, nor for the vast majority of Americans.
Anonymous   |     |   Comment #17
Re:  Shorebreak - #16, Sunday, November 17, 2013 - 9:36 AM
My post didn't state that you mentioned any specific policies.  I merely asked "what financial policies does this country have"?  You did state that in "IMHO" you do believe there is a policy in place.  All I'm asking is what is the policy?
Shorebreak   |     |   Comment #18
Re: Anonymous - #17, Sunday, November 17, 2013 - 11:03 AM

This country has an overall policy of "maximum employment and stable prices". In order to achieve this, the Federal Reserve has been granted authority to implement it's own monetary policies. These Fed policies have been a failure.
Anonymous   |     |   Comment #19
Shorebreak , stop bitting around the bush, the democrats are controlling all of the national policies and they have been doing the same thing for years now, dancing around the question, like you do.
There is no national policy in place, there is no national budget in place ever since Obama took office, there is no national plan to create jobs nor to re-educate the unemployed.
It is all make believe by this administrations and they already passed the allowed ceiling for this year in just 45 days of printing money.
Admit that the democrats are destroying this country one day at a time and they are proud of it.
They want to bring the illegals to save the Obamacare, just read the democrats suggestions and stop being devil advocate for the destroyers of this country, the DEMOCRATS.
Anonymous   |     |   Comment #20
Anonymous - #19, Sunday, November 17, 2013 - 3:56 Boy, you Repukes have a very short memory. Bush got us into a fake W of MD war in Iraq, which cost us many dead soldiers, and probably over a trillion dollars. I am not a democrat, but at least they care about human beings, and are trying to help people.
Shorebreak   |     |   Comment #21
Re: Anonymous - #19, Sunday, November 17, 2013 - 3:56 PM

Your diatribe is unwarranted due to the fact I do not lean to either political party's policies. Putting one party in CAPS shows where your loyalities lie. Further discourse is useless in this case. Have a nice day.
Anonymous   |     |   Comment #23
Shorebreak, you sure act and behave like democrat but never admit, hmmm, it remids me of areal democrat.

Now, please read this:

Shorebreak   |     |   Comment #24
Re: Anonymous - #23, Monday, November 18, 2013 - 8:59 PM

Why are you so hung-up on labeling people? So what if a person is a Democrat or Republican or Independent? Painting one with a broad brush appears myopic.

Obama’s choice for Fed chair: Hurting savers is good policy

During her confirmation hearing Thursday, Janet Yellen, President Obama’s nominee to become chairman of the Federal Reserve, said she will pursue policies that hurt people who try to build up wealth, claiming that impoverishing savers serves the collective good of society.

Anonymous   |     |   Comment #25
Shirebreak, nobody is accusing you of anything, your behavior suggest that you have characteristics of a real democrats, never admit anything, never take any responsibilities and accuse the other side as being at fault.
Anonymous   |     |   Comment #26
I heard yellen make this statement about hurting the savers.  So, she has openly targeted a specific group of our society.  This is not the American way.  I sure hope her nonmination isn't confirmend.
Shorebreak   |     |   Comment #27
Re: Anonymous - #25, Tuesday, November 19, 2013 - 10:45 AM

"Shirebreak, nobody is accusing you of anything, your behavior suggest that you have characteristics of a real democrats, never admit anything, never take any responsibilities and accuse the other side as being at fault."

1. You can't even spell.
2. Coming up with imaginary "characteristics" is indicative of a disorder.
3. Hiding behind "Anonymous" perhaps gives you a false sense of invincibility in your posts.

If it will give a thrill I'll readily admit it. I'm a card carrying member of the retired military of the United States of America. Now, bug-off troll boy.
Anonymous   |     |   Comment #28
#27, that “troll boy” as per your classification, made you admit that you are a democrat with and army card, good for you, however calling anonymous  that he or she is hiding is a total error on your side.What does “shorebreak” stands for, a real name or another version of anonymous?

I call myself many names on many blogs, and if you think that people must post real names you are wrong again.
You can not take the criticism, therfore, stop interacting with people and calling them boys, it must be bellow your education grade.

And finally, there is Constitutional free speech guaranty, even the “troll boy” knows about it and if you do not agree with him/her there is nothing you can do about it.
So, relax and go on with your happy life, the “troll boy” is upset too, I guess, so nobody wins anything but aggravations piles up and nobody cares about your diagnosis you give to people. 
Anonymous   |     |   Comment #29
#28 - I think maybe the Shiredude thinks he's a cut or two above the rest of us?
Anonymous   |     |   Comment #30
****...........& people say I'm always looking for a fight. :)
Anonymous   |     |   Comment #31
Wow, you can't even say d*amn, around here?