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Messages - YoniPDX

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Credit Cards / Re: Amex Hilton Aspire FYF
« on: May 01, 2020, 08:51:21 AM »

Would be nice, though how can the government do that?

That's my thoughts exactly. - because of contract law - Perhaps with HUD/VA/FDA and Fannie mae held loans - but its been a while  and I don't recall  but I think that even those loans are later sold to investors.

I had a similar thought - during the great recession - with the high interest/ARM's that Mortgage brokers pushed  or directed people (even with 740+ FICOs minorities or first generation home owners). 

That those who wanted to keep their houses ( not the NINJA loans for investors/flippers ) to convert those loans to 5% Fixed rate and re-amortize the balance to a 30yr fixed (not the junk fees or late fees etc). 
Think the Inland empire of So. California - but that said a lot of investor ended up with cheap properties and people lost homes and more through foreclosures from unethical brokers.

The U.S. State Department announced a global Level 4 travel advisory Thursday, instructing all Americans abroad to come home or shelter in place and stop all international travel.

It's the most severe warning from the federal government yet.

As the ability to fly home shrinks by the day, the government warned travelers to return while they can.

"In countries where commercial departure options remain available, U.S. citizens who live in the United States should arrange for immediate return to the United States, unless they are prepared to remain abroad for an indefinite period," the advisory says. "If you choose to travel internationally, your travel plans may be severely disrupted, and you may be forced to remain outside of the United States for an indefinite timeframe."



He is only a little older than me,  so I've been watching for news - was concerning that he was in a Coma (induced perhaps?)   

Hopefully, not to many clients exposed practiced elder law.

AFAIK,  infrastructure is not in place for most Manileños much less other major cities to work from home. So expect even longer hold for phone/chat times than usual.

"The Philippines government has carved out a small exemption for business process outsourcers, telling them to “provide transportation or temporary accommodation for their workers starting March 18, otherwise they will not be allowed to continue operating.”

Re: Avoiding Ibuprofen if you might have  COVID19
I've read this is utter fake news

FWIW Snopes says unproven (but Snopes is not my first or 21st stop for a fact check).

According to this new site -its coming from the WHO and a Lancet journal study .

Considering that Inflammation is part of a histamine/cytokine/part of the immune response (and fever is also part of our immune response as heat denatures the protein shell of viruses and destroys bacteria and other infections.   

Part of the reason that the young seem too be more resilient may have to do with mast cells not  being activated by the virus - since the average age per WHO has 81yo  - IMHO its something that the "greatest generation" has been exposed to previously - hence the aggressive immune response (Cytokine storm/anaphylaxis type response).

Ibuprofen is an anti-inflammatory - body can over-respond Cytokine storm (hypercytokinemia) by flooding the lungs with a surge of activated immune cells -This has been the suspected cause of rapid deterioration and often death (not necessarily from taking Ibuprofen - but it can be a mitigating factor).

POTUS should shut down stock market for 7 days, then revisit in 7 days. 

After 9/11 they closed the market for like 5-6 trading days.

With all the other shutdowns - seems like it might preserve somw of the wealth in 401k's.

Market in a freefall. I guess tweets is not going to help.

"....The national health institute said the average age of those who had died so far was 81, with the vast majority suffering underlying health problems. Just 28 per cent were women.

The fatality rate from the illness in Italy, which has one of the oldest populations in the world, is running at 4.25 per cent...."

confirmed cases
all cases
80+ years old
70-79 years old
60-69 years old
50-59 years old
40-49 years old
30-39 years old
20-29 years old
10-19 years old
0-9 years old   
no fatalities

Why the lack of deaths under 10? what is different about this disease that it is killing older people vs babies/children??

From what I've read is that the immature immune system of youth - doesn't respond and activate the Mast cells and initiate a robust histamine response (i.e. congestion from mucus [an example of  an extreme histamine response i.e. allergy to peanuts better known as  anaphylaxic shock]) which causes/leads to the respiratory issues/breathing issues.

Smokers and persons with Hypertension/Cardiac issues tend to have lower O² saturation even when not sick -  they will have higher mortality when infected with a respiratory virus.  So they succumb to respiratory failure - (i.e. your O² blood saturation is too low and CO² concentration is too high in your blood because your lungs are not able to exchange the gases in your blood).

32/5300 = .006 = .6%  not .06%

In light of that, do you need to update this number?
"The Diamond Princess has a mortality rate of  .08%"

I've been accused of being optimistic,  but your correct my decimal.places are off.

A few tidbits  -Italy has the world 2nd oldest population after Japan.

So. Korea as of 3.4.2020 had tested 130K people had 5,300 cases and 32 deaths   -  With a mortality rate of .06% 

The Diamond Princess has a mortality rate of  .08%

The other end of the spectrum is China, Iran and Italy at 3~3. 8% mortality rate.  The majority of deaths in Italy have been those 60+ years old, the same with the US.

Apparently there are two strains of the Covid19 - based on the progression in  Italy, South Korea and Iran - we will either see a huge uptick in cases and perhaps deaths in the US and other parts of the world.


Get started with the Philips Hue white and color ambiance starter kit and turn on your imagination. Discover the amazing things you can do with white and colored light, now with even richer colors for better scene setting.

Includes  3 x LED light bulb  Hub and dimmer switch

These color bulb are normally $50/each and you can program on/off - pair with doorbells and IFTTT as well change from Dim to full brightness (nightlight to nighttime to nightlight dimness -perhaps for Shabbos ask YLR)

Goods For Sale/Trade / Re: Hilton Aspire Resort Credit
« on: February 26, 2020, 01:05:53 PM »
AMEX Hilton GC question

Kinda of  Silly question and not sure how to search for Answer to this Question

I bought a $250 GC at the WA Resort in Orlando last week. 

I was looking to check the Balance an on back of GC it stay visit AmexGiftCard . Com/Balance

Can this card just be used anywhere an Amex card is accepted like other Amex GC or just at Hilton properties?

Credit Cards / Re: Chase Sapphire Reserve
« on: February 12, 2020, 08:20:44 PM »
If someone booked tickets with reserve but then cancelled their card and now have a trip delay after the card is cancelled, can they get the travel reimbursement from the reserve being that it was booked on it?

IIRC - You don't, its only valid while card is active.   

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