Spring Fever and Rules

After having had almost zero real change in my daily routine due to the virus crisis I’m finally going to have to make a couple of accommodations. While my state has no stay at home rules, the fact that I’ve got an out of state doctor appointment in two weeks does put me under Texas “Stay at Home” rules. I live in Arkansas where there are no such requirements so far, but since it is their state they get to make the rules.


Fortunately, Texas rules are not as limiting as some other states, they allow you to go outside all you want as long as you practice social distancing. My wife and I will still be able to run on the streets and also to play tennis with each other, not with other people though. We can still take the boat to local lakes and fish together. And we could hike, though hiking season is basically over here, unless you love poison ivy, mosquitoes and poisonous snakes, which we don’t.


The things that we can’t do are not much different than before I fell under Texas rules. My board meetings are by phone now. They tried Zoom but it was just too complicated for some of our less tech savvy members. Church is broadcast now, so is Sunday School which works fine on Zoom. Hmm, so my Sunday School class is smarter than my board directors? No pickle ball, you just get too close to your partner at that sport. Basically the main new restriction is that I can’t play tennis with my regular singles opponent and friend, that’s over for now.


And when I drive to Texas I will have to drive out of my way, around Louisiana, because they are stopping cars coming out of that state at the Texas border and forcing them to turn around or to check into a Texas hotel for two weeks and self-quarantine. But if you come in from Arkansas you are just fine. At least for now. Of course my appointment is two weeks off, I would not be surprised if it gets cancelled if things get much worse in either Texas or Arkansas.


It is hard to know how to think about the covid19 epidemic. I’ve seen people call it the most serious crisis of our lifetimes. I’m sorry but I don’t think it is even in the top ten. The latest models show maybe 80,000 predicted US deaths. Cancer deaths this year in the US will be around 600,000. Now that’s a crisis, that’s almost ten times as much grief and it is inflicted on a much younger set of victims.


But the virus has caused more inconvenience to a much larger audience because cancer is not a thing to most people, unless they have it or a family member or close friend does. The covid19 disease has disrupted the lives of many millions of people who will never be infected, and because it is highly contagious, it has created more fear than something like cancer. Cancer generally has no known cause, and isn’t spread by doorknobs and hugs. You could also compare the virus to heart disease. It too dwarfs covid19 in victims claimed.

Accidental deaths, death by car crashes or other accidents, total almost twice the projected Corona toll. In fact the common (non Corona) flu varieties kill 60,000 in the US each year, almost as many as covid19 will likely take from us.


So why is this such a big deal in our lives? It is new for one thing. It is also invisible and unpredictable. And because it is contagious it has caused our national and local governments to react by imposing formerly unthinkable restrictions on our democracy. It may turn out that the economic damage from the restrictions designed to flatten the curve could do more harm than the disaster they are intended to avert. Or maybe they were perfect or maybe they were not nearly enough? We may never know, since there is no way to try it more than one way. I suppose you could compare the way different countries handled things versus their results but there are way too many uncontrolled variables to get much hard science out of that. Or at least it appears that way to me.

There is also plenty of statistical data that proves economic hardship kills people just as dead as any virus. Poverty and stress kill people, they shorten lives. It isn’t arguable, it is factual. So there probably is an optimum response that balances the economic pain to the people with the viral death toll. However, nobody knows exactly what that looks like. Any time you start comparing dollars to death tolls, it becomes a very complex and morally dangerous calculus.


Me, I’m a compulsive rule follower and I’ll live by my Texas imposed guidelines until I get my Texas appointment taken care of, then I’ll be free to go back to my state’s rules. I do not profess to know what state policy should be, but I will continue to follow it as it is laid out by our governor and health department.

And at some point in the next few weeks or months the pressure will start to mount, especially in places like my rural area, for a return to normalcy. Our county has a land area of nearly eight times that of New York City yet we have only twelve confirmed cases to date compared to NYC with 65,000 cases. We may see a rapid escalation of infection here, or we may not. There is some efficacy inherent with living in the middle of nowhere when it comes to not catching communicable diseases.

It isn’t unlikely that our curve here would be much flatter than a metro area curve, even if we had not taken a single step to slow the spread of the disease. Maybe we are even hurting our chances because when and if the disease does peak here in the sticks, maybe weeks or months from now, will there even be any medical supplies left over for our sick people?

All those questions are unanswerable right now. There is no shortage of people who will express an opinion but nobody really knows because this is such a new thing. My advice is follow the rules, including utilizing the exceptions they include. That means I’ll still be spending a lot of time outdoors and away from other humans. But for city dwellers it may mean just staying inside, period. Whatever the case, I’d advise following your areas’ requirements because it is the right thing to do. Look for ways to help others, even if it is just a phone call or dropping a hot meal off for older friends, especially if they are living alone. Maybe doing a grocery pick up for them, grocery delivery only exists in cities. We do not have that option in rural America, you have to go to the store at the very least for curbside pickup. Many rural locations do not even have that available.

My concerns are for others. We have months worth of food, we have decades worth of money and we do not have to work to pay our bills, just for entertainment’s sake. We don’t have kids at home to educate or entertain. We don’t have living parents to care for. But many of you, maybe all of you younger than us, do have some or all of those things to be concerned about. My advice, which is worth exactly what it cost you to read, is this. This will pass, and it likely is not as bad as we think it might be. Nobody ever got a page view on the internet or sold a news story by playing down how bad something might be. Good luck and follow the rules and odds are things will work out fine.

What do you think, is shutting down the world to flatten the curve the solution or the creation of an even bigger problem?


What is the biggest change in your own personal world that the virus pandemic has caused.


What is your biggest worry, your family’s health, your finances or your job?

10 Replies to “Spring Fever and Rules”

  1. Great summary of our current “reality”, Steve. My wife and I have had the same discussion many times, and no one will ever know if the cure is worse than the disease. I’m just thankful it’s not a decision I have to make. Prayers for our leaders. Prayers for the victims.

    1. Fritz, such an honor to get a comment from you. I’m a huge fan of your blogs and podcast appearances. I feel like an outsider or maybe a dabbler, compared to folks like you, JD Roth, Big Ern, Paula Pant or Doc G, and many other big name personalities. Prayers are good, and they are answered. I add mine to yours. This virus may have killed my kinda insipid consultancies. In going to have to reinvent myself one more time. Might be fun.

  2. I agree this really will be a blip years from now, but I think will only be the case if we keep up on the social distancing. My career and subsequent consulting business after I “retired” for the big job 6 years ago had me spend a fair amount of time in Asia. How the countries who are kicking this virus’s butt are doing it is through taking away individuals privacy. If you wish to travel freely, you have an app on your phone and your movements are tracked. Not only that, they have real people then following up with you to check up that you are not ill and you’ve followed the rules. That isn’t going to fly here, so that’s why I’m thinking it is going to be a year or so before life gets fully back to a “new” normal. It is going to be years before we know if the USA/world handled this well or not, hopefully we figure it out before the next pandemic comes around.

    Thankfully like you, we have more than enough and decades worth of living expenses in cash before touching any investments. My part time consulting gig is booming to my surprise as well. If this all passes and I miss the opportunity to buy cheap, oh well we are still wealthy, if it gets worse, I’ll be putting capital to work like the last couple of times this happened. I hope we all stay safe.

    1. It definitely gives you perspective I don’t have as someone without the Asian experience you have. It also gives us some distance from the event having a big cash bucket. Just as long as we don’t get sick.

  3. After spending the past few weeks learning as much as I could about the pandemic, modeling, statistics and social distancing I thought “I wonder what Steveark has to say about all of this?”

    I came for a realistic perspective and as usual, you delivered.

    Great post.

    1. Steve, I think of you like family, it is a complex situation where even the experts are having to guess a lot. It makes you wonder if we’ll be doing this all again, like pandemics become a regular thing? I’m leaning toward this maybe was an overreaction but I’m sitting in a place where hardly anyone is sick, if I was in NYC I’d likely see things differently.

  4. I don’t know how everything will turn out, but what I *DO* know is shutting down the economy is not the answer, and it will not be the solution for every future pandemic. I believe we will look back on this and determine shutting down had far greater “unintended consequences” than allowing people to die like other illnesses. And understand, I’m not coming from a standpoint of “I’m rich… get out of my way so I can make more money”. That’s not my point.

    When this is all over, the wealthy will be fine regardless, the poor will still be poor, but the middle class… much of it will get hammered. I don’t know anyone personally who has died from this, but I do I know quite a few folks who have lost their job. And these people are in their 50’s… I believe quite a few of them will have trouble finding another job — especially a job that matches their previous income. Within a year, we will see lots of middle class folks losing homes because of “extra” debt and not having the income to meet payment obligations.

    1. I can’t argue with you on that Hobo. Only I am not sure the government will see the negative impacts rationally. They are just as likely to say “if only we had shut it down sooner with more restrictions and harsher penalties we could have stopped it”. It’s just how governments tend to think. Rulers think rules are the hammer for every nail.

    1. That was a good article, thanks, I’m not sure if you can compare them as a whole. You can compare how contagious they are and what the mortality rate is but most of the science I’ve read on it puts this virus in a class of its own when it comes to the infection rate. Fortunately it doesn’t have a high mortality rate, like ebola, but it is still high enough to take seriously. Nobody knows the long term effects on people who have recovered either. And it is also unprecedented in terms of its impact on the world economy due to the consensus decisions to shut everything down. We don’t know the long term effects of that or even if flattening the curve will save more lives from covid19 than we kill by devastating economies across the globe. Good to hear from you Luis, stay safe brother.

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