Category: Miscellaneous

Statistics and Mortality

I question the logic behind the “the worst is past, and it wasn’t as bad as we thought” faction that’s drove the Memorial Day partying and is gearing up for the 4th of July celebrations. The decrease we see in the NYC metro is impacting nationally aggregated data. NY and NJ have significantly reduced infection rates (and have since late April/early May). MA as well. Most other states have seen increases. Since the NYC metro had an oversized representation of cases (some 6% of the national population had, in late March, some half of the national infections), the reduction in cases there has had an oversized impact on nationwide data. Break the infection rates out by state, though? There are a lot of lines heading up, and steeply.
Hospitalization rates are already heading up outside of the NE corridor. Again, the drop-off in the “New England” and “Mid-Atlantic” buckets hide increases in aggregate. Death rates don’t have such a clear upward trend. Yet. Infection is a leading indicator, followed by hospitalization rates (it’s not like you are in the hospital on day one. Most people I’ve seen interviewed say they felt sick for a week or two), *then* death rates a month or two after hospitalization. We’ve seen infection rates on the increase since June. We’re starting to see hospitalization rates increase. I don’t doubt we’ll see death rates increasing toward the end of July. I don’t know if this misrepresentation of aggregate over partitioned data is a deliberate attempt to obfuscate the current risk level or a more easily comprehended visualization (my chart with 50 lines is a lot more difficult to read that the single-line national infection count graph). But the impact on public perception and public policy is dangerous.
What bothers me, though, is that … even if someone believes the mortality rate dropping significantly as more young/healthy people get infected or we “get better at treating it” or whatever their mental excuse for partying and venturing out without any type of protection, the hospitalization numbers *are* going up. It’s certainly better to go into the hospital for a month or two and emerge alive than to die alone in the COVID ward. Personally? I want to avoid a month or two on a ventilator. It’s a rather unpleasant experience. Not to mention the personal and national economic impact from millions of people out of work – the lucky ones have insurance that covers something like 80% of their normal salary, the less ones need SSDI, and the really unlucky ones have nothing. Even if hospitalization was a fun holiday experience? At some point, health care resources are maxed out; then resource constraint impacts mortality rate.
Risk mitigation isn’t about taking extraordinary action to avoid black swan events. When I worked in Arkansas, there would be an ice storm that shut down travel for a few days. The first year I moved there, it was a serious storm that shut down most of the state for a week or two. Access to the company network was via dial-up. We had some number of PRI’s — maybe ten, which would be 230 dial-in lines. Normal operation, we had fifty or so lines free. Ice storm? They were maxed out constantly. After that first week-long ice storm, the company executives demanded IT figure something out because they were unable to get on network. The company had 20k employees, which would require 800+ PRIs (a reasonable analysis was about 10k employees who could work remotely, so ‘only’ 400 PRIs) and the dial-in gear so those lines went somewhere. For the low, low price of a few million, we could ensure everyone could dial into the company network simultaneously. Of course, no one wanted to fund that initiative. What we did implement was a dedicated executive dial-in access number. One PRI, with one small modem bank, provided access for the 20 people who were special enough to get the number (yes, there was an authorization group preventing access by the unwashed masses who had the number). And the three IT people who supported those executives. It cost more than nothing, sure. But it was a reasonable expense to address the most critical part of the issue. In the subsequent ice storms? Lower-level employees would complain about busy signals on the VPN, their complaint would work its way up the chain, and the executives would pull out my multi-million dollar proposal to fix a problem that averaged two days a year. Technology advanced, and IP-based VPN became a thing. It has functionality beyond Arkansas ice days, and the company invested in it. Now everyone can connect to the network during the ice storm. A fairly reasonable cost that has utility 24/7.
For some reason, people are treating masks like the multi-million dollar VPN project. They’re not. It’s a cheap thing that most people can don safely. No, it’s not comfortable to sit in a warm room to attend the Township meetings wearing masks. I’m happy to head back to the car and cool off. But the hard plastic chair isn’t a big cushy couch. Their building is drafty and, while I am certain the space is conditioned, the ambient temperature isn’t as comfy as my house. There are lots of ways in which the environment isn’t comfortable. Masks are generally available — back in March, I wondered why more people didn’t just wrap a scarf around their face a few times.
People argue the efficacy of masks — most of which seems to stem from early recommendations against mask wearing that was partially driven by the reality of product availability and partially driven by the unknown of aerosol v/s large particle transmission. And, for large particle transmission, just staying physically distant from others minimizes risk. But the reality is people don’t maintain an acceptable physical distance from others. Our Township meetings have board members sitting at the far side of 6′ tables … but they move their chairs around and end up four feet apart and yelling at each other. There are people walking right next to us in the grocery store, people queuing up a foot behind me at the liquor store, people standing next to us in the aisle at Home Depot.
Even if a mask only prevents 50% of exhaled viruses from escaping and and prevents 50% of virus particles from being inhaled — that’s a huge reduction in risk. Even at 5% reduction, you’re reducing virus particles by a non-trivial amount.
I’m waiting for the lawsuits to start — it would be difficult to prove causality on a micro level (i.e. no one can sue Home Depot for failing to require customers wear masks), but at a macro level? Streets and businesses don’t altruistically have wheelchair accessible entrances. They have to. There’s a long legal history behind the requirement. Why shouldn’t businesses and government offices have to ensure access for those with compromised immune systems by requiring everyone wear a mask?

School Considerations

What exactly are the teachers using to clean the classroom? Stuff like Lysol and Clorox wipes have been on the “back to school” list for years because the school doesn’t have budget for basic classroom supplies.
These kids sitting 6′ apart … where’s that extra space coming from? In our elementary school, the “play” and “group” areas could be removed (no shared toys or sitting on squares together anyway). But kids are going to walk between desks, so you really need 12′ separation to allow a walkway. There’s no way to get 20+ kids into a classroom. And what about upper grades where students move between classrooms? There some large group of new hires disinfecting each desk in the three minutes between classes? Because having the teacher speed clean the desks seems counter-productive.
How do we accommodate both the ‘school shooting safety measures’ like keeping the classroom doors closed and the ‘COVID19 safety measures’ like minimizing contact with high-touch surfaces? The obvious COVID-19 solution is to have all interior doors propped open during school hours and possibly assign an employee to open/close the dedicated ingress and egress doors.
Everyone gets two scheduled times for the bathroom? Or how exactly does that work? Same for recess — hey, it’s your ten minutes to jog around the building. Go!
I’m already being asked to drive the kid to school because they cannot figure out how to bus kids safely. With the ‘normal’ number of kids being dropped off and picked up, there was a queue of cars backed out to the road. How’s this drop-off/pick-up thing going to work with a lot more kids? And what about someone who has kids in more than one school?
A significant part of early childhood education is learning to socialize and interact with others. How much social learning is going to happen this year?
And the biggest question of all — what exactly does the school do when the first person tests positive? The entire class has to be in quarantine for a few weeks? What about kids who have siblings in that class — everyone in their class has to quarantine too? Seems like the first positive test and the whole school needs to be in quarantine.

Marketing Fail

I find it ironic that the Republican, who brought us marketing campaigns such as the “Death Tax” which would cause Paris Hilton to pay taxes on her hypothetical inheritance but didn’t mean jack to 80% of the country seems unable (or, more likely, unwilling) to effectively market pandemic response.
 
Social distancing is a horrible phrase that speaks to isolation. OK, you don’t congregate in one big lump of humanity at the beach or discotheque. Why isn’t figuring out innovative ways to interact a national pursuit? Physically distanced social interactions — either online or in person. A few decades ago, I had friends who would all get on a call to watch a movie or TV show together. Start writing letters again (help out the post office, too). Back in March, when the lock-downs started, I surprised a lady at the grocery store by helping her look for her parent’s preferred type of coffee as I stood on the checkout queue. She didn’t have to get near me, I didn’t have to get near her, but the “social distancing” campaign had her thinking “head down, don’t talk to anyone”. We’ve got patio chairs set up under the big maple tree in our front yard. Two families sitting 10′ apart can easily converse, hang out, enjoy nature, etc. Putting chairs on either side of the fire pit is about 8′ apart too.
 
Then there are the masks. Social trends have convinced people to wear all manner of wild kit. There’s no way it couldn’t have been presented as some awesome fashion trend. I’m curious if it’s *masks* or *orders* that the non-mask wearing public finds so objectionable. Like, would they be down with wearing a confederate flag mask? What about helmets — we can dress up like astronauts, scuba divers, motorcycle riders. I introduced my daughter to pandemic safety by calling it the zombie apocalypse. It’s fun to get the masks and gloves on to take the recycling down the the drop-off point where she stands guard in the car watching for zombies. Or get a superhero cape and mask, adopt a secret identity. Not something I recommend when it’s 95 degrees … but when it cools off again, pretend you’re a less murder-y version of the invisible man with the head wrapping and sun shades.
 
The Republican promotion of preventative actions reminds me of the court-ordered PSA commercials that tobacco companies air. They have technically said what the court has ordered them to say, but there has been no attempt to engage the audience. Or attract attention. White screen, black text, monotone voice-over repeating what the text says.

School’s Out For …

I want to know what schools are going to do in September/November after what they did in August proves to be foolishly optimistic (either ‘the virus will disappear’ or ‘one person will be able to ensure twenty six-year-old kids wear masks and stay 6 feet apart, plus we can have a janitor in each restroom sanitizing after each use’) and they’ve failed to use the intervening 4-5 months to develop a decent online teaching approach.

Ohio Public Health Warning Level

Ohio now has a per-county public health alert level rating that reminds me of the terror alert color-coded system we had after 9/11.

Of course there will be people in red or purple counties heading out to neighboring counties to shop/eat/socialize/party because those neighboring counties are only in orange so they don’t need to wear a mask there. I don’t get why I’ve got to get my car e-checked because my county borders Cuyahoga but we wouldn’t have to wear a mask for the same reason … but it’s a step in the right direction deeming masks mandatory *somewhere* based on *something*.

Personal Finance Lesson – Credit Reports

Around 2000, I had a Key Bank account and paid for the “bill payment add-on” — it was like three bucks a month, but beat the late payment charges I’d incur for forgetting to pay bills, so worth it to me. Got transferred to another state where they didn’t have any branches, so I went into the bank and closed my account. They gave me a cheque, closed out the account, and I left to open an account at a nearby bank that did have branches in the state to which I was moving.

Years later, I got denied trying to open a checking account — like I tried to hand a couple grand over to a bank and they said “no thanks”. I’d gone across the street and opened an account with a different bank. Didn’t really think anything about it until I got a letter in the mail saying I was entitled to a copy of my credit report because information in that report had been used to deny me something. I’d never even heard of a credit report! When that credit report arrived, I learned that Key Bank had closed my account but failed to cancel my bill payment subscription (WTF?!?). They proceeded to charge me three bucks a month for years. And charged me a monthly over-draft penalty for having a negative balance. Forty bucks a month for a few years sure adds up! The eventually closed my account and got a judgement against me (in a state I hadn’t lived in for years, and I never gave them my new address because I wasn’t a customer for a few months before I moved). Absolutely refused to pay that — it aged off of my credit report because they didn’t bother to renew the judgement.

So what’s a credit report? There are three different companies (Experian, Equifax, and TransUnion) that keep track of how well you pay your bills. Not bills like the electric bill (unless you don’t pay it and the electric company gets a judgement against you) — loans. Why three? Because capitalism, I guess. If you bought some server and database space and managed to convince thousands of lenders that it was in their interest to let you know about all of their customers, I guess you could be a credit bureau too. A bit like a certificate authority — once you can convince enough people to trust you, you’ve got a viable product.

When you take out a loan, they associate it to your record. They keep track of how much should be paid as well as if you’ve paid it. The idea, for someone who is thinking about extending you credit, is that your past history of repaying (or not) debts is a bit of an indicator of your future repayment history. More importantly, though, it allows potential creditors to judge your income against your known fixed expenses. If you make $1000 a month and don’t have to spend any of it, you’ve got a good bit of disposable income. If you make $1000 a month, but pay $800 in rent … you’re either eating or repaying the loan so not a good credit risk.

I’m sure companies looking to lend money to people pay something to access these credit reports, but these credit bureaus have another line of income — basically using your private information for marketing purposes. Some mortgage lender wants to offer people a loan — they could just send a mailer to everyone in a zip code, but some of those people have already paid off their mortgage. Others are renting the house. A more targeted advertisement would be sent to people with outstanding mortgages — even better, scope to people with either large outstanding mortgages (how much you’re save with a refi!) or small outstanding balances (think of all you could do with a second mortgage!).

Twenty or more years ago, the only way you had free access to the content of your file was after you’d been denied credit. Like happened to me. Since then, federal laws have changed. You can access, online, a copy of your credit report from each credit bureau once a year — this means you can get the Equifax one in January, the Experian one in May, and the TransUnion one in September. Then get he Equifax one again in January. Since the reporting is generally automated, there shouldn’t be much difference between data held in the three companies. Every four months, you’re getting a picture of what these bureaus record about you.

Why would you do this? Like anything, info in the credit report can be wrong. Sometimes they’ll have someone with a similar name linked up to you. Sometimes they’ll just have bad info — an account closure that got omitted or a ‘current employer’ that you haven’t worked for in years. There’s a “dispute” process that you can use to request they fix anything you consider wrong (although they may not consider it work fixing — employer related stuff — or may not agree is wrong). Sometimes you’ll discover someone’s opened an account in your name, racked up a lot of charges, and left you with the bill (i.e. identity theft).

As of Sept 2018, you can freeze your credit report so no one can access it. For free. This helps avoid unauthorized parties opening credit accounts under your name and should prevent your info from being used to make you the target of lender advertising.  Freezing your credit file restricts who can access the information — which means you have to unfreeze your file whenever you want to apply for credit. It’s an extra step, but how often are you actually applying for a loan? And the credit bureaus need to unfreeze your file within an hour of your online request … so it’s not a big inconvenience. To freeze your file, you must submit individual requests to Experian, Equifax, and TransUnion. You can ‘thaw’ your file temporarily when you know you’re submitting a credit application — I usually unlock my file for a few weeks to ensure delays in data processing don’t mean my application gets processed against a frozen file.

You can also freeze the file of your kid who is under 16 — a great thing for most kids who absolutely are not applying for credit! But the credit bureaus don’t make it that easy to freeze a kids file — Experian and Equifax have a request form, TransUnion wants a letter requesting a “protected consumer freeze” on the specified individual. In each case, you’ve got to include copies of identifying info — your ID, your kid’s birth certificate, and your kids social security card kind of stuff.

Knowing the Law

We had some chap in the back yard on Saturday afternoon. Memorial Day weekend Saturday. He’s a surveyor, and the pins on the property he’s trying to survey aren’t there. So he’s getting other pins for reference. But he didn’t want to provide his name or the name of his company. Which … yeah, dodgy. Scott ended up calling the police out, and they claim that surveyors can just wander on your property whenever they want. But the chap said he didn’t actually need to be on our property and took off.

Turns out he actually does work for a survey/engineering company. The prospective buyer who engaged the survey company stopped by to chat a bit. It’s amazing what a little customer service knowledge would get you — providing your name, license number (you know, something we could look up), and a business card with your company’s info is a lot less suspect than “no, I don’t need to give you my name or the company’s name. I can just wander around your property any time I want”. Honey v/s vinegar. At that, why in the world would the company’s policy not be driving up to the neighboring property, ringing the bell, and asking first?! That’s just polite.

Funniest part of the whole thing, though? We looked up the actual laws for Ohio. ORC 163.03yes, a surveyor can wander onto your property. 48 hours after they notify you of their intention. They are not, however, allowed to randomly decide to wander around your property on Saturday afternoon with no notice. And, if you want to be a real jerk about it, you could still deny them access and adjudicate whether the pins in question are ‘necessary or proper for the purpose of the agency’.

Just because a law enforcement officer tells you something is the law doesn’t mean it’s the law.

Chili Seasoning Blend

Chili Seasoning Blend

Recipe by LisaCuisine: MexicanDifficulty: Easy

Ingredients

  • 1/4 cup chili spice

  • 1 tsp roasted garlic powder

  • 1 tsp onion powder

  • 1/2 tsp crushed red pepper flakes

  • 1/4 tsp cayenne pepper

  • 2 tsp smoked paprika

  • 1 tsp oregano

  • 1 Tbsp salt

  • 1 Tbsp ground black pepper

Method

  • Combine all ingredients in a food processor and blend until powered.

Notes

  • I use this blend in my chili recipe and as the spice for taco/burrito fillings.

Pants?

A friend pointed out that pants offer a little protection for me, but they are a lot of protection for you … So we can all stop wearing pants now, right? And protesting stores that require customers to wear pants! Freedom! Liberty!

Ink Chromatography Experiment

Materials:

  • Glass vessels – glass cup, graduated cylinder, etc
  • Coffee filter
  • Scissors
  • Shish kabob skewers
  • Water
  • Colored markers – ideally include a few black markers from different companies

Process

  1. Cut the coffee filter into strips
  2. About 1” from the bottom of the strip, put a dot using one of the markers
  3. Skewer the strip at the top and hang over a glass of water
  4. Hang the strip over the glass
  5. Carefully fill the glass with water until it just touches the bottom of the coffee filter strip.
  6. It will take a few minutes for the water to move up the strip. Once the water has finished moving up the strip, take the skewer and strip off the glass. Empty the glass of water, then place the strip and skewer back on the glass to dry.
  7. Notice how different inks are made of different color combinations. Notice different inks carry different distances up the filter strip.