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Finance Friday Articles

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Here are my favorites this week:

5 Ways To Make Lemonade Out Of A Lemon Market

An Ill Wind

Lock In Good CD Rates Before They Disappear

 

Here are the rest of the articles:

3 mistakes to avoid during a market downturn

Coronavirus Sell-Off Presents Tax-Loss Harvesting Opportunity

Different Ways to Make Five Million Dollars in Real Estate

Fear Not

Grab the Wheel to Deal With Market Volatility

Happiness Economics: What Actually Makes us Happy?

Harder Than It Looks – 3 Alternative Ways to Deal with the Stock Market Decline

How Real Estate Gets Impacted By A Decline In Stock Prices

How to Turn Your Financial Life Around

Lessons From Japan’s Lost Decade(s)

Perspective in a challenging time

Retired Not Retired

Returns From the Bottom of Bear Markets

The Benefits of a Bear Market

The Work From Home Survival Guide: Because Your Sanity Is Important

What’s Causing All the Panic Buying & Selling of Stocks?

What’s Different For Dual Income Couples?

What Does the Trump Student Loan Interest Waiver Mean?

What’s Coming Next? (And What to Do About It?)

Simple Steps I Take to Protect My Credit and Identity

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My personal information has been stolen at least twice. As a result, I think it is important for everyone to consider taking basic steps to protect their information. Here are the simple steps that I recommend you use to try and protect your identity and credit:

  • Open all mail. If someone opened a fraudulent account in your name, you might start to get mail that makes absolutely no sense to you. Don’t just chuck stuff that looks like junk mail.
  • Use two factor authentication for all financial account logins. This is now required by the TSP, and it is for good reason.
  • Use a password manager. I use Dashlane, although there are others. This ensures that your passwords are cryptic but that you don’t have to remember them.
  • Consider establishing active duty credit alerts on all of your credit reports with all of the credit agencies.
  • Check your credit report every four months, checking one from each of the three credit agencies. Some people check all of them at the same time once a year, but I think that by staggering them and doing one every four months it is more likely you’ll pick up something fishy sooner rather than later. Check for mistakes and accounts you don’t recognize. Both could be a sign of identity theft. Just go to AnnualCreditReports.com to get your free credit reports.
  • Set up alerts so that you get notified whenever a transaction occurs without a credit card being present. Contact your credit card companies to get this set up. You can usually set dollar thresholds above which you want to be notified, or you can get notified about all transactions. When our credit cards have been hacked it has often been for modest amounts and things like gas purchases, so worrying only about high dollar purchases is probably not the way to go.
  • Based on the Equifax hack and others, we have reported to the IRS that we are potential victims of identity theft. This means that we cannot file our taxes without a special pin that is mailed to us each year. This prevents others from fraudulently filing taxes in our name and stealing a fraudulent tax refund. Consider doing the same if this is applicable to you.

There are other steps you could consider taking that I have not personally adopted. For example, instead of an active duty alert you could place a freeze on your credit accounts. This prevents anyone (including you) from getting a credit card or loan in your name. It will also prevent you from doing things that require a credit check, like switching cell phone carriers or renting a house/apartment. Since I am still in the Navy, I decided to go with the active duty alert instead of the freeze due to the lower amount of hassle when we have to PCS in the future. Here’s a good post that explains the difference between the two options.

Websites like CreditKarma offer free, real-time credit monitoring. In the past I used their services, but don’t anymore. I honestly don’t remember why I turned it off, but I may consider signing up again now that I think of it.

Cyber incidents and identity theft are just par for the course nowadays and the price you pay for on-line convenience. Make sure you set up your own plan to limit the chances you’ll be personally affected by identity theft or cyber crime.

More Stringent DoD Travel Restrictions Released Stopping All Domestic Travel

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Below is the text from this original DoD article/release dated 13 MAR 2020. FAQs are here as well.

Today, the Deputy Secretary of Defense David L. Norquist approved new travel restrictions for service members, DoD civilians, and their families assigned to DoD installations, facilities and surrounding areas within the United States and its territories. This restriction will halt all domestic travel, including Permanent Change of Station, and Temporary Duty. This restriction will also pause civilian hiring at DoD installations and components for persons who do not reside within the hiring entity’s local commuting area.

Additionally, service members will be authorized local leave only, following Service guidelines. This new guidance is effective March 16 and continues through May 11.

Similar to other travel guidance regarding COVID-19, travel exceptions may be granted for compelling cases where the travel is mission-essential, for humanitarian reasons, or warranted due to extreme hardship.  Approval authority for these exceptions belongs to the Combatant Commander, the Service Secretaries, the Chief Management Officer, or the Director of the Joint Staff, but may be delegated.

The Department will continue to issue additional guidance with regard to the COVID-19 as conditions warrant.  Our goal is to remain ahead of the virus spread so our military force remains effective and ready.

For more information on the CDC travel restrictions, visit https://wwwnc.cdc.gov/travel/notices/.

We encourage all DOD personnel to visit https://www.defense.gov/Explore/Spotlight/Coronavirus/for information on staying healthy during the outbreak.  The Department will issue follow-on guidance on this directive prior to implementation.

What is an Active Duty Credit Alert?

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One option that military personnel have to protect their credit is to use an active duty alert. What exactly is an active duty alert?

A 12 month active duty alert is available if you are active duty in the US military. In addition to the normal fraud alert that civilians can use, your name is removed from prescreened credit or insurance offers you get in the mail for 2 years. It is designed to protect your credit while you are deployed, but you don’t have to be deployed to use it. We have this placed on our credit on a continuous basis to prevent fraud.

It forces businesses to take reasonable steps to verify your identity before issuing credit in your name. If you provide a telephone number when you place the alert, a business must either contact you at the telephone number you provided or take other reasonable steps to verify your identity. This helps them confirm that the credit application is really from you and not from someone who has stolen your identity. If you actually are deployed and are difficult to reach, you can assign a personal representative to answer for you, place, or remove the alert.

You can end the alert before 12 months, or request another one when the initial one expires.

You can place a fraud alert or active duty alert by visiting any one of the three nationwide credit reporting agencies – Equifax Experian , or TransUnion. The one that you contact must notify the other two. You also can find links to their websites at IdentityTheft.gov/CreditBureauContacts.

COVID-19 NAVADMIN That Discusses PCS and Travel

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Below is the recently released NAVADMIN. Again, it is long, but if you are PCSing, traveling, have board exams coming up, want to go to a conference, etc. I’d take the time to read the relevant parts:

UNCLASSIFIED// 
PRIORITY 
P 122210Z MAR 20 MID510001053027U 
FM CNO WASHINGTON DC 
TO NAVADMIN 
INFO SECNAV WASHINGTON DC 
CNO WASHINGTON DC 
BT 
UNCLAS 
 
NAVADMIN 064/20 
 
MSGID/NAVADMIN/CNO WASHINGTON DC/CNO/MAR// 
 
SUBJ/NAVY MITIGATION MEASURES IN RESPONSE TO CORONAVIRUS OUTBREAK// 
 
REF/A/OPLAN/NORTHCOM/DOD GCP-PI&ID-3551-13/15OCT13// 
REF/B/INST/DODI 6200.03/28MAR19// 
REF/C/MEMO/OSD/30JAN2020// 
REF/D/EXORD/JOINT STAFF J3/012240ZFEB20// 
REF/E/MEMO/OSD/07FEB2020// 
REF/F/MEMO/OSD/25FEB2020// 
REF/G/NAVADMIN/OPNAV/071613ZFEB20// 
REF/H/NAVADMIN/OPNAV/112054ZFEB20// 
REF/I/NAVADMIN/OPNAV/051456ZMAR20// 
REF/J/GENADMIN/JOINT STAFF/051908ZMAR20// 
REF/K/MEMO/JOINT STAFF/06MAR2020// 
REF/L/MEMO/OSD/10MAR2020// 
REF/M/MEMO/OSD/11MAR2020// 
REF/N/ALNAV/SECNAV/025-20// 
REF/O/MEMO/OSD/11MAR2020// 
NARR/REF A IS DEPARTMENT OF DEFENSE (DOD) GLOBAL CAMPAIGN PLAN FOR PANDEMIC 
INFLUENZA AND INFECTIOUS DISEASE.  
REF B IS DODI 6200.03, PUBLIC HEALTH 
EMERGENCY MANAGEMENT WITHIN THE DOD.  
REF C IS MEMO FROM UNDER SECRETARY OF DEFENSE FOR PERSONNEL AND READINESS 
PROVIDING FORCE HEALTH PROTECTION GUIDANCE FOR PERSONNEL RETURNING FROM CHINA 
DURING THE NOVEL CORONAVIRUS (COVID-19) OUTBREAK.  
REF D IS SECDEF-APPROVED EXORD THAT DIRECTS USNORTHCOM TO EXECUTE ITS 
PANDEMIC PLAN 3551-13 AND SUPPORTING GEOGRAPHIC COMBATANT 
COMMANDERS TO EXECUTE THEIR PANDEMIC PLANS IN RESPONSE TO THE NCOV (COVID-19) 
OUTBREAK.  
REF E IS SUPPLEMENT 1 TO REF C.  
REF F IS SUPPLEMENT 2 TO REF C.  
REF G IS NAVADMIN 033/20, OPNAV REPORTING GUIDANCE SUPPORTING DOD RESPONSE TO 
THE COVID-19 OUTBREAK.  
REF H IS NAVADMIN 039/20, UPDATED DOD GUIDANCE FOR MONITORING PERSONNEL 
RETURNING FROM CHINA DURING THE NOVEL CORONAVIRUS OUTBREAK.  
REF I IS NAVADMIN 058/20, UPDATED NAVY GUIDANCE DURING THE NOVEL CORONAVIRUS 
OUTBREAK.  REF J IS JOINT STAFF MESSAGE FOR DOD COVID-19 PASSENGER 
SCREENINGGUIDELINES FOR OVERSEAS MILITARY TRANSPORTATION TERMINALS. 
REF K IS JOINT STAFF FORCE HEALTH PROTECTION GUIDANCE TO MITIGATE THE RISK OF 
COVID-19 TRANSMISSION.  
REF L IS MEMO FROM UNDER SECRETARY OF DEFENSE FOR PERSONNEL AND READINESS 
PROVIDING FORCE HEALTH PROTECTION GUIDANCE FOR THE USE OF PERSONAL PROTECTIVE 
EQUIPMENT AND NON-PHARMACEUTICAL INTERVENTIONS DURING THE CORONAVIRUS DISEASE 
2019 OUTBREAK.  
REF M IS MEMO FROM UNDER SECRETARY OF DEFENSE FOR PERSONNEL AND READINESS 
PROVIDING FORCE HEALTH PROTECTION GUIDANCE FOR PERSONNEL TRAVELING DURING THE 
NOVEL CORONAVIRUS OUTBREAK. 
REF N IS ALNAV 025/20, FORCE HEALTH PROTECTION GUIDANCE FOR THE DEPARTMENT OF 
NAVY. 
REF O IS MEMO FROM SECRETARY OF DEFENSE FOR TRAVEL RESTRICTIONS FOR DOD 
COMPONENTS IN RESPONSE TO CORONAVIRUS DISEASE.// 

POC/RADM KARL THOMAS/OPNAV N3N5B/703-692-9291/KARL.O.THOMAS1(AT)NAVY.MIL/ 
RADM JEFFREY JABLON/OPNAV N13/703-604-5040/JEFFREY.JABLON(AT)NAVY.MIL/ 
RADM GAYLE SHAFFER/OPNAV N093B/703-697-7399/GAYLE.SHAFFER(AT)MED.NAVY.MIL// 
 
RMKS/1.  This NAVADMIN announces further measures to mitigate the spread of 
COVID-19 throughout the Navy enterprise and amplifies DoD and DON references 
(o) and (n) guidance for Navy military members.  It summarizes and repeats 
applicable guidance where appropriate so that this will serve as a one-stop 
information source. 
    1.A.  Background.  The DoD has transitioned to Phase Two Mitigation of 
reference (a), the global campaign in response to the COVID-19 outbreak.  The 
U.S. Centers for Disease Control and Prevention (CDC) is now reporting over 
100,000 cases worldwide, to include cases in the U.S.  During the COVID-19 
outbreak, the DoD and Navy will continue to protect and preserve the 
operational effectiveness of forces worldwide in accordance with (IAW) 
references (a) and (b).  Utilizing force health protection guidance (FHPG) 
from the Under Secretary of Defense for Personnel and Readiness (USD (P&R)) 
provided in reference (c) and (m), USNORTHCOM is executing its pandemic plan 
and geographic combatant commanders are executing their supporting pandemic 
plans IAW reference (d).  In compliance with updated USD (P&R) FHPG issued in 
references (e) and (f), Office of Chief Naval Operations (OPNAV) published 
initial reporting guidance supporting DoD response to the COVID-19 outbreak 
in reference (g) and updated that guidance in references (h) and (i). 
    1.B.  Role of the CDC.  As the leading U.S. government Public Health 
Agency, the CDC continues to assess the risk of COVID-19 and to provide 
guidance for those residing in the U.S. and traveling abroad.  Because CDC 
guidance is principally tailored for persons residing in the continental U.S. 
(CONUS), some CDC COVID-19 guidance may have limited applicability for 
commanders, particularly those outside the United States, and is not 
recognized by other sovereign nations.  While DoD continues to follow the 
lead of the CDC, when needed, additional military specific measures are 
authorized to mitigate risk to U.S. forces stationed or deployed around the 
world, and to protect Service Members, DoD civilian employees, and their 
family members.  USD (P&R) FHPG issued in reference (m) provides guidance for 
DoD personnel traveling during the novel coronavirus outbreak. 
    1.C.  CDC Travel Health Advisories.  The CDC provides travel health 
advisories at https://www.cdc.gov/coronavirus/2019-ncov/travelers/index.html.  
The levels of advisories are noted below and will be referenced in this 
NAVADMIN (note that CDC warning levels DO NOT apply to 
CONUS): 
Level 1  Watch, practice usual precautions (risk of limited community 
transmission) 
Level 2  Alert, practice enhanced precautions (sustained (ongoing) community 
transmission) 
Level 3  Warning, avoid nonessential travel (widespread sustained (ongoing) 
transmission) 
    1.D.  Department of the Navy (DON) Civilian Guidance.  The DON civilian 
workforce  more than 220,000 strong  plays an integral role in supporting our 
Sailors and building, manning and maintaining our ships and submarines.  
Working shoulder to shoulder with our military members, it is imperative to 
have alignment between DON civilian and military COVID-19 policy and 
guidance.  To avoid any ambiguity, DON civilian guidance is contained in 
reference (n). 
    1.E.  Military Health Protection Guidance.  The Secretary of Defense 
(SECDEF) has provided explicit Force Health Protection Guidance in both 
references (c) and (m) which is more restrictive than CDC guidance.  
Commanders must read both documents in their entirety and ensure they are 
following the Service Member actions spelled out in this guidance.  Local 
Commanders can be more restrictive based on Command location, local community 
transmission, risk to mission and risk to force.  Each and every Sailor must 
ensure they proactively manage and minimize their personal risk to exposure, 
and that of their families.  Commands are charged with ensuring they track 
and monitor each Sailor and aggressively follow SECDEF guidance in these 
references. 
 
2.  Mission.  All commands will take specific actions to mitigate the spread 
of COVID-19 worldwide and adhere to the policies and reporting requirements 
contained in this NAVADMIN. 
 
3.  Policy.  In order to maintain force health protection, readiness of the 
force and mitigate the risk of transmission among personnel, the Secretary of 
Defense directed a stop movement to affected countries and areas effective 13 
Mar 2020 in reference (o).  This includes all forms of travel to include 
Permanent Change of Station, Temporary Duty and leave.  This order will 
remain in effect until 13 May 2020, 60 days after implementation: 
    3.A.  Permanent Change of Station (PCS).  Service Members and dependents 
under OCONUS PCS orders to locations designated CDC COVID-19 Warning Level 3 
or CDC COVID-19 Alert Level 2 will follow the guidance in section 3.A. of 
this NAVADMIN.  Note that CDC warning levels DO NOT apply to CONUS.  CONUS 
PCS moves may continue for now, UNODIR. 
          3.A.1.  PCS orders to or from CDC COVID-19 Warning Level 3 
locations.  Service Members and their dependents under PCS orders to or from 
a CDC COVID-19 Warning Level 3 location will stop movement.  This policy 
applies to currently designated CDC COVID-19 Warning Level 3 locations, or 
those designated Level 3 at a later date. 
                  3.A.1.a.  Service Members who have detached from their 
parent command prior to the date of this NAVADMIN and are in transit are 
directed to contact Navy Personnel Command (NPC) for follow-on guidance per 
paragraph 5.A.  NPC is standing by to address each specific case and will 
authorize entitlements based on current location and situation. 
                  3.A.1.b.  Detaching and gaining commands shall make every 
effort to contact affected Service Members enroute to/from their command to 
advise them of the contents of this message. 
          3.A.2.  PCS orders to CDC COVID-19 Alert Level 2 locations.  
Service Members under PCS orders to a CDC COVID-19 Alert Level 2 location 
will execute orders.  Dependents of Service Members executing accompanied PCS 
orders to a CDC COVID-19 Alert Level 2 location will delay travel to the CDC 
COVID-19 Alert Level 2 location until 13 May 2020, 60 days after 
implementation.  This policy applies to currently designated CDC Alert 
Level 2 locations and those designated at a later date.  For Service Members 
with dependents, non-concurrent dependent travel entitlements will vary 
depending on each case.  NPC is standing by to address each specific case and 
authorized entitlements based on current location and situation. 
    3.B.  Other Official Travel (Meetings, Conferences, Site Visits, etc). 
          3.B.1.  All other official travel by Service Members to or from a 
country designated as CDC COVID-19 Warning Level 3, will require an exception 
IAW paragraph 3.E.  All other official travel by Service Members, including 
within CONUS, is strongly discouraged.  If required, official travel must be 
determined to be mission essential and will be approved by the first flag 
officer or senior executive service member (SES) in the chain of command of 
the traveler. 
          3.B.2.  All OCONUS travel, other than those countries designated as 
CDC COVID-19 Warning Level 3, for Selected Reserve personnel conducting 
annual training or other duty shall be IAW Geographic Combatant Commander 
(CCDR) or Navy Component Commander COVID-19 policy.  Selected Reserve travel 
to a CDC COVID-19 Warning Level 3 location shall be in accordance with this 
NAVADMIN. 
    3.C.  Travel for Official Training. 
          3.C.1.  Service Members or initial accessions travel from an OCONUS 
CDC COVID-19 Alert Level 2 location to attend formal training in CONUS must 
be determined to be mission essential and will be approved by the first flag 
officer or SES in the chain of command of the traveler, require advance 
coordination with the training command and will comply with Navy Component 
Commander guidance concerning pre- and post- travel medical screening and 
reception procedures to include restriction of movement (ROM). 
          3.C.2.  Service Members or initial accessions traveling from an 
OCONUS CDC COVID-19 Warning Level 3 location to attend formal training in 
CONUS require an exception as outlined in paragraph 3.E. and will coordinate 
with the training command prior to approval. 
          3.C.3.  Service Members currently in training who are from a CDC 
COVID-19 Alert Level 2 or higher location are authorized to complete training 
and return to their parent command. 
    3.D.  Personal Leave and Liberty.  Commanders and commanding officers 
shall carefully review OCONUS/CONUS leave and liberty plans to minimize 
personnel traveling to locations that have declared a public health 
emergency, even within CONUS.  These decisions should be based on local 
community transmission, risk to mission and risk to force, as well as 
personal hardship or family concerns of the individual.  Approval authority 
for leave requests to areas for which a travel advisory has been issued by 
the CDC for countries other than COVID-19 Warning Level 3, is the first flag 
officer or SES in the chain of command.  Leave or personal travel to a COVID-
19 Warning Level 3 Country requires a waiver as outlined in paragraph 3.E. 
    3.E.  Exceptions. 
          3.E.1.  Individuals pending retirement or separation within the 
next 60 days are exempt from this stop movement. 
          3.E.2.  Commanding officers and officers in charge may request an 
exception to paragraphs 3.A. through 3.D. in the following cases:  (1) 
determined to be mission essential, (2) necessary for humanitarian reasons, 
or (3) warranted due to extreme hardship.  Mission-essential travel refers to 
work that must be performed to ensure the continued operations of mission 
essential functions, as determined by the local Commander. 
                  3.E.2.a.  Navy Personnel Command (PERS-4) is authorized to 
approve or deny stop movement exceptions for PCS travel in paragraphs 3.A. 
and 3.C.  Approvals of exception requests shall be made via message traffic 
to all concerned and will specify whether dependents are authorized to 
accompany the Service Member.  OCONUS Commanders endorsement is required.  
Upon receipt of an approved exception, Transaction Service Center or 
Personnel Support Detachment/personnel offices will process the Service 
Member for transfer to the gaining command.  Send all exception requests to 
pers451(at)navy.mil with the subject line PCS EXCEPTION REQUEST.  Exception 
request formats will be provided by PERS-4 and posted on MyNavy 
Portal.  Service Members who are granted an exception and are traveling from 
a CDC COVID-19 Warning Level 3 or Alert Level 2 location will receive 
guidance from NPC concerning Navy Component Commander pre- and post-travel 
medical screening and reception procedures to include ROM. 
                  3.E.2.b.  The first flag officer or SES in the chain of 
command is authorized to approve or deny stop movement exceptions for 
official travel in paragraph 3.B., and for official training, not associated 
with a PCS, in paragraph 3.C. and for leave in paragraph 3.D.  Service 
members who are granted an exception and are traveling from a CDC COVID-19 
Warning Level 3 or Alert Level 2 location will comply with Navy Component 
Commander guidance concerning pre- and post- travel medical screening and 
reception procedures to include ROM. 
    3.F.  Actions upon return from a CDC COVID-19 Alert Level 2 or higher 
location or if in close contact with a confirmed COVID-19 infection. 
          3.F.1.  Service Members who travel or have traveled in the prior 14 
days to or through a CDC COVID-19 Warning Level 3 or Alert Level 2 location 
will immediately notify their chain of command and be placed in a 14 day ROM 
status.  Immediate supervisors will not require Service Members to report to 
their duty location or otherwise disregard the ROM.  Service Members will 
comply with reference (m) and Navy Component Commander guidance concerning 
pre- and post-travel medical screening and reception procedures to include 
ROM.  Commanders may, pursuant to DoD and Navy regulations and policies, 
authorize telework opportunities, permissive TAD/TDY or work from home as 
necessary. 
          3.F.2.  Service Members who have had close contact with someone 
with a confirmed COVID-19 infection and feel sick with a fever, cough or 
difficulty breathing shall: 
                  3.F.2.a.  Inform their Senior Medical Department 
Representative immediately. 
                  3.F.2.b.  Seek medical care immediately.  Before going to 
the office of a doctor or emergency room, call ahead to provide recent travel 
locations and symptoms. 
                  3.F.2.c.  Avoid contact with others. 
                  3.F.2.d.  Stay home except to get medical care. 
                  3.F.2.e.  Cover mouth and nose with tissue or sleeve (not 
hands) when coughing or sneezing. 
    3.G.  Conferences.  All Navy personnel shall maximize the conduct of 
virtual conferences, meetings and classes to the fullest extent.  Holding 
conferences are discouraged and must be approved by a Navy Component 
Commander, Deputy Fleet Commander, Task Force Commander or Navy Region 
Commander charged with hosting the conference. 
    3.H.  General Health Guidance.  Compliance with CDC guidance is critical 
to minimize the spread of COVID-19.  All personnel shall: 
          3.H.1.  Wash hands often with soap and water for at least 20 
seconds, especially after going to the bathroom, before eating, and after 
blowing your nose, coughing or sneezing.  If soap and water are not readily 
available, use an alcohol-based hand sanitizer with at least 60 percent 
alcohol.  Always wash hands with soap and water if hands are visibly dirty. 
          3.H.2.  Avoid close contact with people who are sick. 
          3.H.3.  Avoid touching your eyes, nose and mouth. 
          3.H.4.  Stay home when you are sick. 
          3.H.5.  Cover your cough or sneeze with a tissue, then throw the 
tissue in the trash. 
          3.H.6.  Clean and disinfect frequently touched objects and surfaces 
using a regular household cleaning spray or wipe. 
          3.H.7.  Maximize open doors within area with equivalent 
classification levels. 
          3.H.8.  Minimize meetings of more than five persons. 
          3.H.9.  Practice social distancing. 
          3.H.10.  Minimize attendance at large group gatherings outside of 
the workplace (for example concerts and sporting events with large 
attendance). 
    3.I.  Supplemental Guidance for Commanders. 
          3.I.1.  IAW reference (m), Commanders should identify and track all 
Service Members who travel or have a history of travel in the prior 14 days 
to, through or from a CDC COVID-19 Alert Level 2 or Warning Level 3 OCONUS 
location.  This includes travel by military or commercial means as well as 
private conveyance and includes all forms of travel to include PCS, temporary 
duty and leave.  Commanders shall ensure Service Members implement the 
following actions for the next 14 days: 
                  3.I.1.a.  Implement self-observation, i.e., take 
temperature twice a day and remain alert for fever (>100.4 degrees F or 38 
degrees C) and remain alert for fever, cough or difficulty breathing. 
                  3.I.1.b.  To the extent possible implement social 
distancing, i.e., remain out of congregate settings, avoid mass gatherings 
and maintain 6 feet or 2 meter distance from others when possible. 
                  3.I.1.c.  If individuals feel feverish or develop measured 
fever, cough or difficulty breathing, immediately self-isolate, limit contact 
with others and seek advice by telephone from the appropriate healthcare 
provider to determine whether medical evaluation is required. 
          3.I.2.  Commanders will adhere to DoD guidance for personnel 
traveling during the novel coronavirus outbreak per reference (m) to include 
COVID-19 screening at overseas military transportation terminals per 
reference 
          (j).  Commanders will review the supplemental risk-based measures 
and observe the operational risk level mitigation actions for COVID-19 
outlined in reference (b). 
          3.I.3.  For individuals traveling OCONUS to OCONUS, Commanders will 
ensure travel is mission essential and follow the guidance listing in 
reference (o) if compelling exceptions are necessary.  Military air crew are 
exempt from the requirements in this NAVADMIN, but will ensure they actively 
practice social distancing and prudent measures to mitigate potential contact 
and COVID-19 transmission. 
          3.I.4.  Commanders will comply with status of forces agreements 
when applicable. 
          3.I.5.  Consider measures to place mission essential shore staffs 
on alternating day or port/starboard work rotations. 
          3.I.6.  Use maximum latitude to authorize telework, liberal leave, 
permissive TDY as necessary to minimize spread within your teams. 
          3.I.7.  Implement social distancing techniques for any meetings you 
conduct. 
 
4.  Regular Reporting.  For CONUS commands, ensure your point of contacts 
submit accurate and timely COVID-19 daily reports and CCIRs to USFFC for 
consolidation and subsequent reporting to OPNAV.  For OCONUS commands, ensure 
your POCs submit accurate and timely COVID-19 daily reports and CCIRs to 
Fleet Commanders for consolidation and subsequent reporting to OPNAV.  Navy 
commands will report the following CCIRs immediately through their chain of 
command and via OPREP where appropriate: 
    4.A.  Any confirmed cases of COVID-19 among Navy Service Members, DoD 
civilians, or military family members.  In addition, a report should be made 
if a command learns of a confirmed case with an assigned contractor, 
    4.B.  The death of a Navy Service Member, DoD civilian, Navy contractor 
or family member due to COVID-19, 
    4.C.  Any shortage of medical personal protective equipment (PPE) or test 
kits, 
    4.D.  Installation or facility closures, 
    4.E.  Installation or facility is unable to meet isolation requirements, 
    4.F.  Any change to health protection condition (HPCON). 
 
5.  Points of Contact. 
    5.A.  Sailor Support.  Service Members with questions regarding this stop 
movement or entitlements for PCS travel should contact the MyNavy Career 
Center (1-833-330-6622) or email ASKMNCC(AT)NAVY.MIL.  Detailers are ready to 
support all order modifications and commands should work with their placement 
officers. 
    5.B.  Medical Questions.  BUMED Watch:  703-681-1087/1125 or NIPR 
EMAIL: usn.ncr.bumedfchva.list.bumed---2019-ncov-response-cell@mail.mil. 
    5.C.  Reporting Requirements.  OPNAV Battle Watch Captain at 
703-692-9284. 
 
6.  The Navy will ensure the best possible Navy-wide Force Health Protection 
for its Sailors, civilian employees and family members. However, all members 
of the Navy family must do their part by adhering to CDC guidelines as they 
relate to basic hygiene and human interaction.  The Navy will remain focused 
on meeting our global commitments while also ensuring the health and well-
being of our Service Members, Navy civilians and our families. 
 
7.  Released by ADM R. P. Burke, Vice Chief of Naval Operations.// 
 
BT 
#0001 
NNNN
UNCLASSIFIED//

Finance Friday Articles

Posted on Updated on

Here are my favorites:

3 Reasons Why You Should Invest in Bonds

Can You Handle 100% of Your Money in Stocks During a Correction?

Four Opportunities Due to Coronavirus

 

Here are the rest of the articles:

3 tips for trading in volatile markets

20 Things You Need to Know About Asset Protection

All-Equity ETF Portfolio Doesn’t Add Up

Asset Allocation (Part 3): What’s in My Dream Bucket?

Bearing Up – 4 Lessons from Previous Bear Markets

Buying a $3 Million Umbrella Insurance Policy for $170 Per Year

Creating an Overreaction Plan for the Coronavirus

How the Coronavirus is Impacting Commercial Real Estate

It’s time to change the retirement planning conversation

Making the best of a market downturn

Partner, Parent, or Physician? A False Dilemma

Should We Buy Our Dream House?

The Best Cities To Buy Real Estate In America

The One Guarantee in the Stock Market

The Potential Impact of Coronavirus on Private Real Estate Investments

The Relationship Between Recessions and Market Crashes

Why Does The Stock Market Go Up Over Time?

Why Hospital Administrators Should Eat Last

Why I’m More Worried About the Bond Market Than the Stock Market

Why I Still Work (Even Though My Physician Husband Out-Earns Me)

Why One Mother Left Her GI Fellowship to Raise a Family

Withdrawal Strategies During Retirement

Working through coronavirus uncertainty