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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
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. ); 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 Transunion and Experian FICO 8 credit scores 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:
Equifax: "Early Termination" - score remained in 820 range (apparently "Early Termination" by itself isn't an issue)
Transunion: "Early Termination/Insurance loss" - score dropped to 730 range
Experian: "Early Termination/Insurance loss" - score dropped to 730 range

I called Transunion 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 Experian, 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
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
Re: When is this all expected to be over? Another positive development:

March 17, 2020, 12:26:17 AM
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 couldnít we, bederech hateva, not ignore the experts and save many Jewish lives? We didnít need to rely on miracles to save lives, but now we need miracles because we were blinded.

March 24, 2020, 11:25:19 AM
Re: COVID-19 (Wuhan Novel Coronavirus) Pandemic
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
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
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 doesnít 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
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
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