BuffaloWeather

brutal https://www.cnn.com/2020/04/03/us/costa-luminosa-passengers-ordeal/index.html

My friend with the virus is feeling much better. Took him 12 days to fully recover. Did not need any hospital care.

I get sick every April with allergies and usually a sinus infection. Everyone is going to think I have Corona.

This is exactly why I save just enough for retirement and spend it all on traveling. I don't plan on traveling much when I get older, and the traveling I do now I won't physically be able to do when I get older. The best course of action is to have $0 in all your accounts by the time you need nursing home care.

I don't know if they are that high. I have a 28 year old friend who got tested. He was negative.

I have had around 40 small businesses call me asking about the federal program. I still don't know much about it. I'm sure I'll get some information soon. Looks like banks have the option to charge what they feel like in regards to rates on the loans? That can't be right.

I work for a large bank and we are not raising rates on Home equities or mortgages. Home equities are tied to prime rate, mortgages are tied to the 10 year treasury note, credit cards are tied to the LIBOR rate. The prime rate changes with the federal reserve, the treasury note changes daily, and the LIBOR rate changes monthly. The LIBOR rate is being replaced with the prime rate in Jan. of 2021. Right now the rates for lending are lower then they have ever been in history.

Italy is starting to level off

By the time you need long term care insurance, the premiums are for the wealthy only. Do you have information on your daughters exemption? It might have been a one off type of deal. I have never heard of something like that. Was she considered disabled at the time? https://www.health.ny.gov/publications/0548/medicaid.htm Medicaid is a program for low-income persons whose income and/or resources are below certain levels. Eligible populations include children, pregnant women, single individuals, families and individuals certified blind or certified disabled. In addition, persons with medical bills may be eligible for Medicaid even if their income and resources are above the allowable Medicaid income levels. Medicaid income and resource levels generally change on January 1 of each year. Only certified blind individuals, certified disabled individuals, and individuals over 65 have a resource test. Children and families may be eligible for Child Health Plus or Family Health Plus if they are not eligible for Medicaid.

https://www.motherjones.com/politics/2010/01/wall-street-bailout-executive-compensation/ The government has more honor then Corporate America.

19 deaths in 727 cases in Erie county. 2.61% rate.

Have to keep your mouth shut I guess. https://www.nbcnews.com/news/military/navy-expected-relieve-captain-who-raised-alarm-about-covid-19-n1175351

Yeah my buddys wife called 300 times yesterday and just nothing...Hopefully you can just do it online and not get the error message like she did. I'm assuming you'll be fine if you're already in the system.

My wife got her check today, the $600 is not there yet. Her best friend got laid off to and filed online with no issue. But a few people she knows that were also laid off are unable to get a hold of anyone on the phone. The website was not working and said to finish the application by phone. Many of these people are going to have no income coming in for several weeks at the very least.

Mortality rate up to 5.14% globally. 2.42% in USA.

Someone traveling there from another country I would presume.

Don't want to chime in on the earlier posts, but a lot of bad information. I'm licensed in NYS for life, accident, and health insurance. Medicaid is for poor people, Medicare is available for those 65+ and doesn't cover all expenses related to health care. (Usually 80%) Nursing homes aren't covered or assisted living. You need long term care insurance for that. You can pay extra premiums for assisted living I believe, but not nursing homes. The premiums can be expensive. Long term care insurance is EXTREMELY expensive. Medicaid has a 5 year look back period of all income/property exchange. The state tracks EVERYTHING you own or have owned and can penalize you if you start giving stuff away when you start to get sick to protect your assets. I've seen peoples entire life savings evaporated by medical expenses. This is why trusts and transfer of assets should begin long before you get too old or sick. The medicaid limits are below: In regards to Medicare which usually only covers part A. This link below describes what you get when you turn 65 automatically. https://www.aarp.org/health/medicare-insurance/info-01-2011/understanding_medicare_the_plans.html Part A: When you apply for Medicare, you will automatically be enrolled in Part A. It covers hospital stays, hospice care and some skilled nursing care that you may need after being hospitalized for a stroke, a broken hip or other episodes that require rehabilitation in a nursing home or other facility so you can get back on your feet. Part B: (COST EXTRA) This part of Medicare covers doctor visits, lab tests, diagnostic screenings, medical equipment, ambulance transportation and other outpatient services. Unlike Part A, Part B involves more costs, and you may want to defer signing up for Part B if you are still working and have insurance through your job or are covered by your spouse’s health plan. But if you don’t have other insurance and don’t sign up for Part B when you first enroll in Medicare, you’ll likely have to pay a higher monthly premium for as long as you’re in the program. Part C: (COST EXTRA) If original Medicare is a buffet, Part C is more like a sit-down meal since a private insurer bundles together parts A and B and most likely D into one comprehensive plan. If you decide on a Medicare Advantage — or MA — plan, you’ll still have to enroll in parts A and B and pay the Part B premium. Then, in addition, you will have to choose a Medicare Advantage plan and sign with a private insurer. Part D: (COST EXTRA) This is the part of Medicare that pays for some of your prescription drugs. You buy a Part D plan through a private insurer. Each generally has some premiums and other out-of-pocket costs, either flat copays for each medication or a percentage of the prescription costs. They also may have an annual deductible.

The average senator salary is 174k a year. Combined they're worth 500 million.

Martha Stewart did time, think she will? https://www.wsj.com/articles/senator-reports-1-4-million-in-stock-trades-during-coronavirus-panic-11585710022 She's the richest person in congress and her husband is chairman of the New York Stock Exchange. I wonder how they made so much money?

Yeah the majority of the time it is a gamble. But when you see the entire world shutting down due to a virus it's quite an easy position to short stocks. They're all going down. In essence, it should be considered insider information. You're basically guaranteed a profit. I'm not allowed to trade in options or margins unless I notify my administrator as I work in managing clients accounts.

Us deaths already over a 1,000 today. https://www.worldometers.info/coronavirus/

I guess my point is every human should not have to go bankrupt or be in massive debt due to an illness, disease, or accident. That's all I ask. I'll end it there and get back on topic with the virus.

Yes, but the main point is you can make a ton of money in a down economy by shorting stocks. When things are falling as quickly as they have, you can make a **** load. It shouldn't be possible in an pandemic to make that kind of money...You basically are guaranteed that the economy is going to go down and thus take advantage of otherwise "insider information" to benefit greatly from a bad situation.