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Change in Blog Comment Posting - End of Anonymous Commenting

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A change will soon be implemented at DepositAccounts.com (DA) to require users to be logged into DA if they want to comment in a blog post. Anonymous comments in blog posts will no longer be allowed.

This change only affects readers who want to comment on a blog post. The DA Forum and Bank Reviews have always required users to be logged in. So there is no change for those comments.

This change is intended to reduce spam comments that take considerable moderation resources. We hope this change will encourage more thoughtful and polite comments that abide by DA’s comment policy.

For many years we have allowed anonymous comments in blog posts to make it easy for readers to post. We have received many informative and insightful anonymous comments, and we are thankful for them. I hope those who have only provided anonymous comments in the past will decide to register at DA so they can continue to comment.

The registration process at DA is simple and free. The only personal information we require is your email address. To register, just click the “Register” link on the top right of most DA pages. A box will open and ask for a “User Name”, a “Password”, and an “Email.” After you provide these and click the “Register” button, DA will send an email to verify your email address. The email message will contain a link that you must click to complete your registration. That will essentially be the only email DA will send to you unless you enable subscriptions.

In addition to being able to comment in blog posts, in the DA Forum and in Bank Reviews, an account at DA will open several features to you. One of those is the Subscription feature. This lets you receive emails of new blog posts or when there’s a new comment in a blog post. You can also set up Bank Alerts for any bank or credit union. This allows you to be notified by email whenever DA has anything new on that institution. That can include a rate change or a new blog or forum post.

To access your account at DA, log into DA by clicking on the “Login” link on the top right of most DA pages. Once logged in, click on your username link that will now be on the top right of the page. This takes you to the DA control panel where you can enable subscriptions, edit your profile settings and review private messages.

Comments
Predatory Depositor
  |     |   Comment #1
Smart idea. I think it worked better when you were experimenting with it over the past month or two.
Predatory Depositor
  |     |   Comment #14
Be prepared though, because as I recall when they were apparently testing this system, it seemed like it was completely dead in here. Without the troll posting under his fourteen different names it might seem empty for a while. But I think it's a change well worth making.
lou
  |     |   Comment #2
This makes sense. Anyway, I can vouch for what Ken is saying - having an account at DA has many benefits, particularly the notification feature. There is no reason not to register if you want to comment.
Choice
  |     |   Comment #4
The cost of free speech is expensive...sorry to read that Lending Tree is changing the unique nature of the site that was priced/bought based upon current free flow model. Registration is a prior restraint no matter how you cut it. Hire more/cheaper moderators rather than eliminate posters completely (rumor has it the unemployment rate is high). Merely thinking one being registered is going to eliminate need for moderators is a concept that needs to be revisited. And, what says you?
Predatory Depositor
  |     |   Comment #6
It won't eliminate the need for moderators but it'll make it a whole lot less time consuming. All they have to do is delete any accounts they don't want instead of constantly having to delete the troll's individual posts constantly.
Yes I know the troll can still keep coming back and creating new accounts. But it will still be a lot easier to control.

Free speech doesn't apply to privately owned websites. They pay the bills, they make the rules. Completely fair.
Ronald D
  |     |   Comment #9
Right, unless the private company needs a bailout. Then, what?
Predatory Depositor
  |     |   Comment #12
Looks like the change can't come soon enough.
Duck
  |     |   Comment #30
LOL that was good
GreenDream
  |     |   Comment #58
It won't eliminate the need for moderators (no one ever claimed it would, so you are arguing a strawman there). I've been on a fair number of different forums over the past 20 something years on the internet (first time I ever posted a comment on the internet was back in 1996), so I think I can fairly say from experience that registering will cut down on the amount of work the moderators will need to do to keep the trolls in check. It won't entirely eliminate the trolls (trolls can sign up same as anyone else) but it will make it easier to for the mods to deal with the trolls when they do rear their ugly little heads.
Hooked
  |     |   Comment #3
Good move, Ken! Thanks.
RichReg
  |     |   Comment #5
A change for the better, I'm sure.
Thank you, Ken.
111
  |     |   Comment #7
Just a little downside to this change, but far more upside.
Predatory Depositor
  |     |   Comment #13
True that. I only use the anonymous posting to make it easier to post from my phone like I almost always do. Won't be able to do that anymore unless I want to deal with the hassle of signing in on my phone which is a pain. But I already have an account so I'm satisfied to be able to post through my other devices.

The site will benefit from hearing less of me, and fewer typos when I do post. It's a win-win! :)
lou
  |     |   Comment #18
Can't you be permanently logged in on your phone just like your computer? Why would it be different?
Predatory Depositor
  |     |   Comment #19
That's a good point, it's possible. But most of the things I sign into on my phone are only semi-permanently logged in at best.

And I don't think phones are secure so I don't like using passwords on them.
ichaelm
  |     |   Comment #11
Great and long overdue idea, Ken; I applaud you for it. I still remember the first message that I posted here at DepositAccounts, back when it was BankDeals: it was a review of Alliant CU, back in 2010.
Ratesaver
  |     |   Comment #15
Its just nice that some of us are on the same page with what is normal... This will bring out more people to comment on what we are here for (cd Rates) ….Great Job Ken
lou
  |     |   Comment #20
The only downside is we will not have many comments anymore, meaning there is a chance some useful information will not be disseminated. I personally do not have problem with some of the more outlandish comments, because I don't have to read them if I don't want to. But there are times unregistered posters make good comments, helping the rest of us to make better investment decisions. So, I would urge Ken to try come up with a solution to not overly restrict comments, while maybe discouraging the most inflammatory ones.
Predatory Depositor
  |     |   Comment #22
You're too persuasive... Another good point.

I feel the same way, I don't care about the unwelcome comments, 95% of which are coming from the same person. And it's a good question whether it's worth letting him stifle some of the useful comments just to keep out the trash.
lou
  |     |   Comment #24
For instance, there have been times when a unregistered poster will inform us there is a backdoor way to join a credit union that Ken may have missed in his post. It would be a shame not to have this information because some unregistered posters can't control themselves.
GreenDream
  |     |   Comment #59
And hopefully many of those will register when they want to make such a comment. My own experience when making comments at a forum is that if I can't make the comment I want unregistered, I'll often register just to make the comment when the comment I want to make isn't entirely frivolous, particularly if it's a forum I regularly visit anyway.
beecia
  |     |   Comment #21
Won't it make people hesitant to say anything revealing of their financial status?
kcfield
  |     |   Comment #23
Ken. I think this is wise. You might also consider re-posting community guidelines/norms; which should help reduce the frequency of off topic and inappropriate posts . While posting guidelines won't deter trolls; it will be helpful to those who unintentionally make posts that are outside of community norms.Reducing such posts should also help to decrease moderation time for you and your staff.
Predatory Depositor
  |     |   Comment #25
You're right. And I'm one of the guilty. In my exuberance to talk about many related things that interest me, I often drift off topic unintentionally. To go with the shiny new DA policy I'm going to try to do better in that regard. My apologies.
Hooked
  |     |   Comment #27
Ken has provided a link to DA’s comment policy in the above post.
kcfield
  |     |   Comment #33
Hi Hooked: Thanks for pointing out the link; I think it would also be helpful if Ken would post it in a more prominent place on the website; and perhaps also ask folks to agree to the comment policy when they register.
rickny
  |     |   Comment #28
This is the only site that I have ever seen that allows anonymous posts. A lot of posts on this site are off topic and sometimes ride or attacking other opinions. Hopefully this change will create more constructive discussion.
Martin
  |     |   Comment #36
rickny, when people start to be afraid of the government, dems, deep state and the globalists, the society becomes tyrannical and the end is near for everyone's freedom. Submitting to regulations, destroys the intellect and free spirit. I see on which side you are leaning to, good luck to you.
Rickny
  |     |   Comment #60
Martin I agree with you about government intrusion but this site is privately owned. You can choose to be part of it or not. They are not controlled by the constitution. Many people give information to companies when they agree to the terms and conditions when they install an app or go to certain sites. Now sites must show "cookie disclaimers" when you 1st go to them.
GreenDream
  |     |   Comment #53
I've been to many sites that allow anonymous posts. trolls, such as you describe, are quite common at such sites. This change should cut down some of the trolls, unfortunately a few trolls will sign up, but it should be easier to ban them once they reveal themselves through their bad behavior.
blazer9
  |     |   Comment #29
Finally...
your name in Blue
A golden rule
be ye in
or be ye Out
Nathan
  |     |   Comment #37
Does any one of you know what does it means to give permission to DA to trace you around, I guess most of you do not know and agree to be "micro-chipped" at DA. Here it is, finally the people with money will be traced and followed around like stupid sheep. Registering with DA, they will know immediately your I.P. address (where are you at the present time), from your Internet provider they will find your real name, address, phone, e-mail and what devices you are using to connect to Internet. One small trace on your IP address, will tell them what banks or CUs your are visiting and how frequently. Now they know everything about you and it becomes very easily they to find the amounts you have in the banks and the CUs. Think of IRS buying your personal data, think of the states tax authorities, think of the private eyes, think of blackmail and so on.
Do you think that Lending Tree will not sell that info to third parties, good or bad, think again, you are now a sitting duck for ID theft and emptying your bank accounts. The L.T. and DA will make lots of money from your registration. Be my guest and register and agree to the terms and conditions and continue to post stupid stuff on this blog, the smart people will never visit this site again.
lou
  |     |   Comment #41
I have been a registered user of this site for at least ten years, probably longer. None of the things you cited in your post has happened to me. The benefits truly outweigh any disadvantages of having them know your I.P. address. For instance, I am automatically notified of any rate changes (by email) for any credit union or bank I indicate to DA. This is a terrific benefit I get for giving them my email address. It's definitely worth it.
GreenDream
  |     |   Comment #52
Nathan clearly you aren't aware of just how the internet works. Sorry to break it to you but just by posting your comment here "anonymously" like you did "they" already know the IP address you used when you posted it (guess that means you aren't among the "smart people" since you just willingly and unknowingly gave them your IP address. D'oh). If you are that afraid of them knowing your IP address then you shouldn't post ever, or else get yourself an VPN or set up a proxy server to hide your real IP address.
deplorable 1
  |     |   Comment #38
There are some positive things from this policy but also several negatives. The positives would be the elimination of the nasty mean spirited comments that take us off topic. The negatives would be that many posters will just leave altogether and any off topic discussion such as politics will probably be eliminated even though it effects most other topics. It seems that freedom of speech particularly as it related to politics is being systematically destroyed on the net by those who wish to squash all dissenting voices. I'll probably stick around and join as commenting on some of the forum topics might be interesting. I hope this doesn't eliminate folks speaking their mind as a frank and open discussion is far more interesting IMO. I'm not too paranoid about tracking but I do like to avoid giving out personal information whenever possible.
lou
  |     |   Comment #39
Although I probably should be more paranoid about revealing private info to fully use the mainstream internet, I long ago decided the trade-off was worth it. What I won't do is allow the state to track me for COVID-related reasons. That will never happen.
blazer9
  |     |   Comment #40
Do you see a Politics Forum listed as a topic for DA
I hope that the major deleted topics will still be those that contain Conspiratorial, Political Bias, and Rambling Narrative. Which the same posters seem to be good at proliferating.
Pity the poor Trolls for they know not what they do.
lou
  |     |   Comment #42
You're being unrealistic. If you never discuss politics, then it will be impossible to have an intelligent discussion about the direction of interest rates, which can affect CD decisions with respect to maturity. For instance, do I foresee inflation in 2021 because of the politics related to govt spending? I think this is a perfectly fine topic for comments.
blazer9
  |     |   Comment #43
RED and BLUE
       BIAS
alan1
  |     |   Comment #48
#42 -- Ken Tumin has made it clear that there is a place on this site to comment on politics in the manner you describe. It's the Fed/economy blog post.

Every time that Ken Tumin posts the weekly "CD Rates Summary", his concluding section clearly states:

Federal Reserve and Interest Rate Summary

The Fed and economy review is now split off on a separate blog post. My weekly summaries will now be focused entirely on deposit rates and deals. Please keep all discussion about the Fed, the economy and politics to my Fed/Economy review blog post.
(bold in original)

Certain regular posters, such as deplorable1 and Predatory Depositor, as well as the trolls, consistently disregard Tumin's statement, and constantly post numerous political comments in response to a high percentage of blog posts.

If those people who wish to comment on such matters would conform to Ken Tumin's policy, there wouldn't be the type of problem that now exists. It's due to the utter disregard by certain people for Ken Tumin, other Deposit Account staff, and Deposit Account readers. It's not difficult for people to post political comments in the appropriate place on this website. Unfortunately, some people refuse to conform to the policy re such comments.
lou
  |     |   Comment #57
This makes sense.
deplorable_1
  |     |   Comment #65
I have made a concerted effort to only post political comments on the " Federal Reserve and Interest Rate Summary" only to have them deleted ASAP. It seems to me that there is a segment of folks on here that just want to silence any and all opinions they may disagree with no matter where they are posted.
P_D
  |     |   Comment #61
"I hope that the major deleted topics will still be those that contain Conspiratorial, Political Bias, and Rambling Narrative."

The problem with this prescription is the question of who determines what is "conspiratorial" or "politically biased?" You? With all due respect to you, I'm not comfortable with that.

If these terms ever had absolute meaning -- and I'm not sure they ever did -- they have been so demoted and broadened and so weaponized to be used to censor and shut down any views that people with certain political views don't want other people to hear, that it has rendered them more tools of anti-speech than of meaningful descriptions of out of bounds thinking.

Of course DA is the decision maker about what comments are posted, as it should be. And I'm not suggesting that political free speech should even be a criterion they use to make such decisions. But the essence of preserving political free speech is to allow ALL views to be heard uncensored because no one is qualified to decide what should and should not be heard. I am troubled by the thought some people seem to have that their views are not biased and conspiratorial but the views of anyone who disagrees with them are -- especially when the are in positions of power and can act on that belief or when they call for authorities to enforce political censorship.
blazer9
  |     |   Comment #62
"But the essence of preserving political free speech is to allow ALL views to be heard uncensored because no one is qualified to decide what should and should not be heard."


You're rambling.
Take it to the proper venue. Set an example,EH?
Choice
  |     |   Comment #63
Who’s rambling? That’s the point of free speech and censorship
P_D
  |     |   Comment #64
To some the definition of "rambling," "conspiracy theory," and "political bias," is anything they disagree with and want to prevent others from hearing. I worry whenever someone uses these phrases. It invariably means that they are attempting to prevent other people from freely expressing their views.

Again, I want to make the distinction between preserving free speech and a private website's right to decide what they want to appear on their site. These are two different things. But the only way to preserve free speech is to allow ALL speech.

There is no need to protect speech that isn't offensive to anyone. That kind of speech needs no protection. The whole point of the First Amendment is to protect speech that some people find offensive and would try to shut down. If you are not willing to allow the other guy to say things that offend you, don't expect them to make that allowance for you. If we control speech based on what some people find offensive than there would be no speech allowed at all.
deplorable_1
  |     |   Comment #66
"To some the definition of "rambling," "conspiracy theory," and "political bias," is anything they disagree with and want to prevent others from hearing. I worry whenever someone uses these phrases. It invariably means that they are attempting to prevent other people from freely expressing their views.".......................You absolutely nailed it there PD spot on!
blazer9
  |     |   Comment #68
Nobody is preventing you your rights to speak freely.
DA has a section that was specifically dedicated for your pleasure, all who wish to debate political type views. Federal Reserve, the Economy and CD Rate Forecasts

It was done to not burden the Main conversations of this site for Information
about Interest Rates and Financial Guidance or Curiosity.
Give the courtesy to allow posters access without the Fog of Personal contentiousness
deplorable_1
  |     |   Comment #67
Blazer you are the typical example of those who are trying to silence all opposing voices or those who have a different opinion. If you don't like someone's post feel free not to read it.
Choice
  |     |   Comment #69
Is that aimed at all?   
Rickny
  |     |   Comment #73
D1 This is a private site with terms and conditions. Posts are deleted according to the rules spelled out by the Comment policy that is a click on anytime you add a comment. They also can require that you have a sign on. You can always have your own site and have your freedom of speech and your rules.
Choice
  |     |   Comment #74
Lendingtree needs the subscriber numbers/hits for keeping advertisers! And if there is an earn-out provision in its purchase agreement then numbers also matter. Putting the added “pressure” on posters may get them there...wherever the latter is. Hong Kong is still alive and well!
lou
  |     |   Comment #44
Here is an appropriate political topic which should be allowed in the comments section. Will the chances for higher rates be greater with Biden or Trump in 2021? I think Trump but I understand others might disagree. Don't forget we had higher rates in the first three yrs of the Trump presidency than in all 8 years of the Obama presidency. Nothing wrong with having this discussion on DA.
alan1
  |     |   Comment #49
#44 -- There is a specific place on this website for such comments. Unfortunately, some people refuse to adhere to the site's policy, and post such comments all over the place. Please see my comment #48, which quotes Ken Tumin's statement on this matter.
JWARREN
  |     |   Comment #46
Ken: Great idea. I like it. Anything that makes the troll(s) work more difficult is probably a good thing. As the eminent philosopher Ice Cube might say: "Bye, Felicia."
GreenDream
  |     |   Comment #51
Indeed, it will cut a lot of the troll crap (most of it from one particular poster who posts under several different names). That is a good thing.
Sherlock
  |     |   Comment #70
This past January, some people were blocked from commenting for about two months evidenced by familiar names missing from conversations. I thought this was great, that I was able to go get on DA and read helpful postings by Ken and "related to the topic" comments by readers. Sadly, after the two months some of those familiar names reappeared with partisan diatribes and/or misinformation/conspiracy theories which seem more like (GOTV) Get Out The Vote efforts than educating DA readers. Some of these economic issue have long histories, detailed facts and nuances that can't be summarized in a paragraph. Then there are the slick "wolf in sheep clothing" comments that pretend to educate the readers, but are really geared to smear one political side or falsely elevate the other.
I feel comments should strictly adhere to the DA policies and if not, block the reader. And Ken, anyone who frequently promotes conspiracy theories, especially in this pandemic are doing a disservice to the readers and should be blocked. Private site, private rules.
milty
  |     |   Comment #75
Just a cursory reading of some of the posts, and looks like even this topic elicits controversy. Anyway I also don't have a problem with the new policy . . . let the chips fall where they may.
Test3
  |     |   Comment #76
I started as an anonymous commenter (my username reflects this) but I do like notifications and keeping track of my past posts. Having reported a bit of spam in the past, I can see why this is needed.
Choice
  |     |   Comment #78
Must be contagious...Twitter has a related problem that they just uncovered...this too will pass
gregk
  |     |   Comment #79
It confuses more than it bothers me , but I've had many a comment deleted here that no rational reading of the Comments Policy would qualify as in violation of, and I think probably most regular commenters here would say the same, - while often blatantly off-topic posts are left alone. This can at times make one suspect other criteria are being applied than only the published ones, and opens to question the integrity or at least the fairness of our moderators. It might be the quantity of posts is just too large to always weigh in the balances with perfect judgment. But this would support eliminating only the most blatantly transgressive among them and leaving the rest alone. Too often the disappearances and indulgences just seem so odd and rather arbitrary, intrusive on and/or disrupting the flow of conversation.
blazer9
  |     |   Comment #80
Too often the disappearances and indulgences just seem so odd and rather arbitrary, intrusive on and/or disrupting the flow of conversation.

Like #78
and now maybe mine?
Choice
  |     |   Comment #81
What goes around comes around
Rttaylord
  |     |   Comment #82
OKLAHOMA STATE BANK is to, far to careful. Pain in the ****, everyday time I need money, I have to call so theyll release money, so I can use my card. .PAIN IN THE ****

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