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Re: Lakewood NJ Master Thread
Has anyone been to the "newish" pizza store by the Wawa shopping center (near westgate)? Any good?
Yes - first couple of times I went there the pizza was excellent - probably the best I've had in Lkwd. (Last time it wasn't nearly as good - very garlicky (Pizza on Wheels style  :( ) but I'm chalking it up to a one off occurrence.)

They have 2 sitting areas - 1 small and 1 really big. The big one is being converted into a sit down cafe (menus etc.) - not sure how that will affect the pizza store (same kitchen).

December 15, 2019, 06:48:01 PM
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PSA: Totalled auto lease can affect your credit score TL;DR: An auto lease (possibly applies to financed autos too?) that was "totalled" and reported to the credit agencies as an "Insurance Loss" will negatively impact FICO 8 scores; it will be categorized as a serious (>60 day) delinquency.

This has been reported on other forums (e.g. https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Re-Early-termination-amp-insurance-loss/td-p/3988572 ); the below is my own experience.

In 2017, I had a leased auto which was involved in an accident that resulted in the totalling of the car. The insurance company paid off the lease; and the leasing bank reported it to the credit agencies as a Positive Account in good standing which was fully paid off and closed. The bank also added a comment stating that this was an "Early termination/Insurance loss".

All was fine until mid-2019 when suddenly my FICO 8 credit scores in two credit bureaus plummeted ~100 points (from 820s to 730s).  (Only FICO 8, all other scores didn't change.)  MyFICO reported that there was a serious delinquency on my account. After much time and effort (and a subscription to MyFICO), I was able to determine that the comment of "Insurance loss" was triggering the FICO 8 algorithm to consider this a "delinquency". I spoke to a CSR at MyFICO and they said that this is by design because "our high scorers don't have this on their reports", i.e. having an insurance loss was somehow some sort of negative flag :o .

Here's what the comments on my credit report looked like for this account:
CreditBureauA: "Early Termination" - score remained in 820 range (apparently "Early Termination" by itself isn't an issue)
CreditBureauB: "Early Termination/Insurance loss" - score dropped to 730 range
CreditBureauC: "Early Termination/Insurance loss" - score dropped to 730 range

I called CreditBureauB  and after HUCA a few times I was able to get them to fully remove that comment from this account. The next day my score went back up to 820 range.

I haven't been as lucky with CreditBureauC, and even after disputing it they are leaving the comment there because it is factually correct.

The leasing bank, also has declined to remove the comment since it's factually correct.

In my opinion, this is a bug in the factors of the FICO 8 algorithm (FICO 9, VantageScore weren't affected); why would an insurance loss have any determination on the credit risk of a consumer?? (CS rep confirmed that this negative "flag" applies no matter which driver was at fault for the insurance loss).

January 08, 2020, 02:16:34 PM
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Re: Lakewood NJ Master Thread
Anyone have a contact at TD Bank in Lakewood to help with a residential mortgage?
Reach out to yosef.pick​ (at) ​td​.com 732-367-4043, he'll help you.

February 25, 2020, 11:25:05 AM
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Re: When is this all expected to be over? Another positive development:


March 17, 2020, 12:26:17 AM
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Re: This is getting serious... a somber thread about COVID-19
All great things to learn from, but the number 1 most concerning aspect for me is the health aspect. Why couldn’t we, bederech hateva, not ignore the experts and save many Jewish lives? We didn’t need to rely on miracles to save lives, but now we need miracles because we were blinded.
This: https://en.m.wikipedia.org/wiki/Normalcy_bias

March 24, 2020, 11:25:19 AM
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Re: COVID-19 (Wuhan Novel Coronavirus) Pandemic Master Thread
Death isn't the be-all-end-all.

(The origin of the phrase "be-all, end-all" is used in reference to death. ;) )

April 13, 2020, 08:31:29 PM
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Re: The science of COVID-19 Hate to rain on a speculative, conjecture parade (with the ironic title of "The Science of COVID-19"):


The claim that 80-90% of Lakewood has been exposed, and thereby implying that the immunity of Lakewood is of herd-immunity level, has not been borne out yet in the Bikur Cholim antibodies blood test. Many people who claim to have had the symptoms are testing negative for the antibodies in the BC test (source: doctor in Lakewood).


The extrapolation from the spike in hatzolah calls to the amount of actual C-19 patients is not accurate. Many of the calls that hatzolah has had have been for repeat patients (e.g. for O2 checks, followups, and finally transport). (source: first hand knowledge of the nature of the calls)


There has been a big spike of seniors moving to Lakewood since 2010 and that decade old census is inaccurate. (All those 55+ communities which opened over the past decade.)


The flu and other viruses were still going around and flu-like symptoms could have reasonably been the flu. (source: wife had flu-B Purim time, and doc told her that it was going around Lkwd.)


There is still no hard evidence that all C-19+ patients actually develop the antibodies, and if they do develop them that they can't be reinfected. Many conflicting studies released, with additional studies ongoing currently.

April 19, 2020, 04:28:17 AM
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Re: The science of COVID-19
I meant strict social distancing practiced by your extended family etc since you seem to be an anomaly  among the posters from Lakewood; you seem to be the only one who doesn’t know of widespread incidence of covid symptoms among their non senior family and social circles in Lakewood.
My extended family has the same. Only 3/9 (married) children's family have had symptoms.

April 19, 2020, 10:11:16 AM
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Re: The science of COVID-19
So what are the total statistics? 4/18+?
Not including children (of whom none had symptoms), correct.

April 19, 2020, 12:30:55 PM
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Re: The science of COVID-19
But my question is if there are any doctors or disease experts discussing how vitamin D from the sun relates to COVID-19?

April 26, 2020, 02:15:30 AM
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Re: Corona virus and your shul
If you’re so curious why don’t you just ask them directly?? You expect to get their answer here?
It was obviously rhetorical.

But yes I know the answer - people are getting restless and they are letting their guard down because "we all had it". (Had a couple people from my development tell me this.)

April 26, 2020, 02:26:16 AM
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Re: Corona virus and your shul
Still and all they are clearly violating the psak from the poskim. Oh right that psak doesn’t matter because it’s only the Hatzolah people lying to them and making them crazy

And like @Dan said - "give an inch, and a yungerman will be able to tell you that a mile is really just 63,360 individual inches so it's okay."

April 26, 2020, 02:29:30 AM
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Re: Is there any good news in the fight against COVID-19?
Faster recoveries are nice, but can it bring people back from the brink R”L?
Antiviral drugs generally work better when given earlier in the infection, so this coupled with better testing could lead to better outcomes i.e. ensure that people don't get to the brink.

April 29, 2020, 11:51:19 AM
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Re: Is there any good news in the fight against COVID-19? https://theconversation.com/we-found-and-tested-47-old-drugs-that-might-treat-the-coronavirus-results-show-promising-leads-and-a-whole-new-way-to-fight-covid-19-136789

(Research data here: https://www.nature.com/articles/s41586-020-2286-9)

April 30, 2020, 08:16:50 PM
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Re: New Threat in the U.S. “Murder Hornet”
They are mostly a threat to bees but have threatened some humans in the past

 https://www.nytimes.com/2020/05/02/us/asian-giant-hornet-washington.html
No food without bees.

May 02, 2020, 10:03:58 PM
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Re: Jewish Music (New CDs, hock, and opinions)
It worked!
Twitter.com/ShirShelYom
Oh yeah!

May 03, 2020, 09:32:09 PM
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Re: COVID-19 (Wuhan Novel Coronavirus) Pandemic Master Thread
I will give two possibilities out of many.
1 - This virus is way more contagious than we understand.
2 - It is just going to run its course no matter what we do.
Other (smaller) countries have seen a decline, while the US has plateaued. Though it's a bit more subtle, new parts of the US are going up while NY/NJ are going down - so the rate looks the same, however it's really just shifting from NY/NJ elsewhere and isn't a true plateau.

May 07, 2020, 11:26:00 AM
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Re: COVID-19 (Wuhan Novel Coronavirus) Pandemic Master Thread
Who cares what he predicted? Didn’t his early lockdown prove prescient? To all those who say the only hope was to shut it down earlier than NY/NJ did, he did that. Clearly the numbers have been in his favor. Why are you attacking him?
Paradox of preparation.



May 07, 2020, 06:12:35 PM
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Re: COVID-19 (Wuhan Novel Coronavirus) Pandemic Master Thread
Of the 95% under 40, whats the percentage that have a BMI of over 25, or even 30?
In our community, unfortunately very high.

May 08, 2020, 10:06:11 AM
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Re: Jewish Music (New CDs, hock, and opinions)
I can't seem to quote it, but regarding waking up in the morning and finishing an acapella album by night, Benny Friedman actually did his in two days.  And it's been sitting solidly at number 1 on iTunes (World) for days.  What Doni Gross can do!  (BTW, for whoever was listing albums that are all genuine vocals, slow, Jewish, etc. for the three weeks, add this one to the list.)
Doni Gross is a maestro. (Benny is obviously no slouch either...)

May 08, 2020, 05:08:02 PM
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Jewish Music (New CDs, hock, and opinions)
Listened to the sampler on YT, as well as the individual track samples on Amazon. From what I could hear, every song sounded the same. Plus, the 'choir' backing was just essentially humming the melody and that's it. Was ready to go ahead and buy it with no-rush credits, but having listened a bit, I'm hesitant.
Doni Gross' acapella albums generally are like that; he's going for a simple, wholesome cover of the original song. No fancy "beats" etc. The harmonies are subtle and impeccable.

May 10, 2020, 02:37:00 PM
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Mass Aliyah in the wake of COVID Not sure 100,000 NIS is nearly enough to entice his target population to uproot. Add a zero, then maybe...
May 10, 2020, 03:30:49 PM
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Re: Covid-19 Symptoms In Toddlers - Rashes / Hives
I understood that to mean they are testing positive now. I'm wondering about initial exposure, since the timeline seems to be a couple of months behind the spike in adult positives.

This part was interesting as a possible explanation for the delay: One suspected possibility is that the antibodies the affected children are making to the COVID-19 virus are creating an immune reaction in the child's body.

May 10, 2020, 10:53:19 PM
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Re: Covid-19 Symptoms In Toddlers - Rashes / Hives


At 17:57 Dr Shanik says that last weeks Lakewood Kawasaki case is unrelated to Covid-19.
He discusses the whole Kawasaki thing there.
In this case, the child tested negative for COVID-19, however the family is awaiting antibody results. I think Dr. Shanik wasn't clear here.

May 11, 2020, 10:01:50 AM
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Re: $3 trillion coronavirus relief plan!!!
I've spoken to restaurant owners in ORD who can't find employees because of the unemployment payments. It's a problem.
Or inversely, people now don't need to risk their lives to pay their bills thanks to the unemployment payments. Which is precisely the point - get as many people to stay home as possible.

May 12, 2020, 09:19:40 PM
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Re: Are you still practicing social distancing? In Lakewood, it seems like many people have given up and have relaxed their distancing.

I'm personally stilled holed up and am distancing strictly.

May 12, 2020, 09:23:38 PM
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Re: Are you still practicing social distancing?
It's not just that orders aren't being rescinded it's that there is no plan being communicated to us. People are realizing that the government has no real ideas about this and they are starting to use  their own judgment. I can see the frum communities approaching the govt with their own local opening up plans rather than waiting for it to trickle down.
I don't get this at all. Were people only practicing social distancing because the government told them to do it?

May 12, 2020, 09:56:57 PM
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Re: Are you still practicing social distancing? How is SD political? Not talking about the lockdown (and closure of non-essential businesses etc.) Is there really a debate whether SD works?
May 12, 2020, 10:16:06 PM
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Re: Are you still practicing social distancing?
We're not discussing if it is political, but if people THINK it's political
Yeah, I get the difference. But how/why do people think that it is? I honestly don't understand it. Are they lumping the entire lockdown together including SD (and masks etc)?

May 12, 2020, 10:19:42 PM
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Re: Are you still practicing social distancing?
We've been in a lock down for far longer than originally posited. SD is going to be normal for a long time, but there is no intent to move us out of the lockdown phase. That is why people are doing their own thing. At what point can you mix with your own family? Not for another year?  And look at how other countries are moving forward. The US of A cannot get anything happening?!
I get it. I get the frustration, and I agree - I wish the governments (fed/state) would be more competent. But SD at this point is common sense, not something that's government mandated. 

May 12, 2020, 10:41:42 PM
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Re: Are you still practicing social distancing?
https://developer.mozilla.org/en-US/docs/Web/JavaScript/Reference/Operators/this
cuomo.bind(covid19)

May 12, 2020, 10:50:45 PM
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Re: How much milk do you have in your fridge?
Nutritional "facts" are total fraud.

Case in point, look at the dietary fiber content and % of recommended daily values on these two packages (also why are serving sizes different on these very similar products?)
I'm assuming the 2 cereals have different densities. (To me it seems that the Rice Chex are lighter than the Corn Chex.)

May 13, 2020, 10:24:10 AM
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Re: Are you still practicing social distancing?
There should have been an option for "I've had Covid19 and have antibodies therefore only SD when the other party cares to" or something to that effect.
I hope you determine that people don't care before you get too close to them.

May 13, 2020, 04:53:25 PM
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Re: Did you test for antibodies? POLL
Let's hear some more details from the person who voted "Symptomatic, previously confirmed COVID positive, negative for antibodies". Did the diagnostic test have known issues with false positives?
Relative of mine, tested positive for Covid-19 on March 22. Did the Lakewood Bikur Cholim Mayo Clinic blood test on April 19 and was negative for antibodies.
 
Had symptoms, and wife tested positive for Covid-19 as well.

May 14, 2020, 11:19:12 AM
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Re: Did you test for antibodies? POLL
Yeah, but they think it's an extremely small percentage. Could be the one that voted that way is in that group, but is it less likely than a false positive from the diagnostic test?It can also be that the antibody test was too early for this person.
False positive from the diagnostic is highly unlikely here - he had symptoms and his wife tested positive too.

I'd say it's more likely that the antibodies hadn't developed yet. Even though it was 4 weeks.

May 14, 2020, 11:28:45 AM
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Re: Corona virus and your shul
I can understand the fear and concerns we all had a couple of months ago regarding Minyanim and the like, I am curious as to why there is still such scrutiny now, so much more so than every other aspect of life?
Indoor gatherings with singing and loud talking:
https://www.cdc.gov/mmwr/volumes/69/wr/mm6919e6.htm

TL;DR - 87% of a church choir came down with symptoms after a practice with 1 member who was positive. This was with taking precautions.

May 14, 2020, 11:58:18 AM
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Re: How much weight did you gain because of the lockdown?
Wait, what?
No lungs, no ARDS.

May 14, 2020, 11:38:21 PM
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Dropping Antibody Levels The entire COVID-19 / Wuhan Novel Coronavirus Discussion board should just be merged into one thread. Every. Single. Thread. devolves.
May 15, 2020, 01:32:35 AM
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Did you test for antibodies? POLL
Anyone knows which test Bikur Cholim of Lakewood was administering yesterday. Awaiting results, but I want to know how heavily to rely on them...
It's the Mayo Clinic's test (developed in house.) Understood to be super accurate.

May 18, 2020, 01:00:54 PM
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Re: Did you test for antibodies? POLL
Hearing some very decent numbers with the antibody testing. Substantially  higher than other areas. Let’s see what the end results are.
Anecdotally, or from someone with knowledge of the actual numbers?

DP - The 3 people that I know who took it all were negative.

May 22, 2020, 08:32:41 AM
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Did you test for antibodies? POLL
Relative of mine, tested positive for Covid-19 on March 22. Did the Lakewood Bikur Cholim Mayo Clinic blood test on April 19 and was negative for antibodies.
 
Had symptoms, and wife tested positive for Covid-19 as well.
Heard (first hand) of another Covid-19 test positive (with symptoms), with negative antibody test (antibody test administered 7 weeks later).

[mention]S209 [/mention]another DP for you.

May 22, 2020, 04:02:53 PM
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Re: Do you know someone who has had Coronavirus after Pesach?
Unnecesaary positives will only make it harder to discern a rise in new cases. At this point if they limit tests to people who actively have symptoms or have been exposed to people with symptoms we'll find the new cases. Because we have the capacity, we can immediately increase testing as soon as there is reason to.

Disclaimer: This is my own theory, feel free to disagree.
Isn't the whole point to catch asymptomatic cases before they start spreading it, since the most infectious time is prior to onset of symptoms?




May 23, 2020, 11:55:26 PM
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Re: Corona virus and your shul
heard from Monsey that there hasn't been a covid related call in 3 weeks, and Lakewood hasn't had either
1. Ask local doctors about their caseloads before drawing conclusions from Hatzolah calls. People are more cognizant of Covid-19 now and will seek medical treatment before they get to a state of needing Hatzolah (as opposed to Purim-Pesach).

2. Lakewood Hatzolah is still getting respiratory distress calls (e.g. 5 on Thursday), as well as some possible Code 19 calls.

May 24, 2020, 02:03:57 AM
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Re: Did you test for antibodies? POLL
Per their website Mayo is using a test without even an EUA and claimed specifity of around 85%
Wow, I totally had the opposite assumption.

May 24, 2020, 09:41:45 PM
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Re: All About Grilling
what are your thoughts on this?

https://pitbarrelcooker.com/products/18-5-classic-pit-barrel-cooker
If you're spending that on a charcoal smoker, I'd highly recommend the Weber Smokey Mountain.

May 24, 2020, 10:33:01 PM
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Re: Did you test for antibodies? POLL
It would make sense that we’d start seeing more negatives now because at first it was only people testing with the assumption that they had the virus. Now people like my brother who don’t think they’ve had it are testing because it’s a requirement for reentering Yeshiva and many shuls.
In other words, this testing cohort is more representative of the general population?

May 25, 2020, 10:56:57 PM
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Re: yeshivas that are open
@avromie7

Why do you keep on saying that young people "shouldn't live in fear"?

Does taking precautions to not be exposed mean living in fear? I don't see why you have to be anxious about it. Just don't do foolhardy things. Being exposed to a novel virus is a foolhardy thing to do.

Many people seem to conflate caution with fear. That people who are being cautious and safe/conservative are somehow living in abject terror.

I wonder if the 2 sides of this ongoing divide are actually just 2 sides of the personality spectrum. Cautious on one side, and the risk taking on the other.

May 25, 2020, 11:18:27 PM
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Re: yeshivas that are open This is going to be quite ironic, that the small number of families which aren't going to be attending school are the ones following mainstream medical advice. The anti-vaxxer reversal.
May 26, 2020, 06:22:20 PM
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Re: Do you know someone who has had Coronavirus after Pesach?
No need to jump the gun. Just a data point and not a very specific or detailed one. Take it in context at this point. I put it out there because we ought to have as much info as possible, no matter which way the info points.

1. Ask local doctors about their caseloads before drawing conclusions from Hatzolah calls. People are more cognizant of Covid-19 now and will seek medical treatment before they get to a state of needing Hatzolah (as opposed to Purim-Pesach).

2. Lakewood Hatzolah is still getting respiratory distress calls (e.g. 5 on Thursday), as well as some possible Code 19 calls.

This a good datapoint for showing that Hatzolah calls are not the be all, end all.

May 28, 2020, 10:20:05 AM
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Re: Was the Lakewood PD wrong for releasing a statement on potential protests? Harold Hershkowitz said the police visited him to warn him to remove his valuables and any cash. He added that he heard some "rabble rousers" are planning to join the peaceful protest and make it not peaceful.
June 01, 2020, 09:38:47 PM
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