Happy Veterans Day to all those who have served in defense of our democracy. We honor you, and the family and loved ones who supported your service.

Veterans Day honors all of those who have served the country in war or peace — dead or alive — although it’s largely intended to thank living veterans for their sacrifices. It was originally called Armistice Day, commemorating the end of World War I.

5 Facts to Know About Veterans Day (US Dept. of Defense)

COVID-19 & Your Health

Biden unveils Transition COVID-19 Advisory Board to ‘help shape’ approach to coronavirus pandemic (Fox News). The board members, a group of doctors and scientists, are listed here.

Holiday Travel and Safety: 5 Things We Know. “During the current pandemic surge, how risky is it to travel during what is normally one of the busiest seasons? And how is the industry making it safer? Here’s what you need to know.” (The New York Times)

Face masks don’t hinder breathing during exercise, study finds (Science Daily)

Doctors begin to crack Covid’s mysterious long-term effects. Severe fatigue, memory lapses, hear problems affect patients who weren’t that badly hit initially. (The Wall Street Journal)

Your Finances & other Wealth Management links

The Affordable Care Act Faces Another Supreme Court Test. (The New York Times)

At stake are health insurance for millions of people, and protections for pre-existing conditions for millions more. This law is now woven into the fabric of our current healthcare system more than you might realize.

Some key features of the ACA are noted below:

• No annual or lifetime dollar limits on essential health benefits.
• Access to certain preventative services for free – meaning that these services are covered at 100%, even before you reach your deductible and without any co-payments.
• Young Adults can stay on their parent’s plan until they turn 26.
• Closure of Medicare’s unpopular “doughnut hole,” a coverage gap that used to leave older Americans on the hook for hundreds of dollars in prescriptions drug costs.
• Coverage for pre-existing conditions. All major medical insurance is guaranteed issue, meaning you can’t be denied coverage for any reason.
  • Do YOU have a pre-existing condition? (Triage Cancer)
  • COVID-19 is a new pre-existing condition. (APNews.com)
• You can’t be charged more based on health status or gender. 
• You have the right to get an easy-to-understand summary about a health plan’s benefits and coverage, called a summary of benefits and coverage (SBC).
• The 80/20 rule and rate review provision help to keep insurers honest and keep rates down.
• You have the right to appeal any health insurance company decision

Businesses, Stock Markets & the Economy

The Biden Presidency & the Economy – What you need to know now (Forbes)

Election 2020: Results and consequences (DR. DAVID KELLY, MEERA PANDIT, J.P. MORGAN)

The Environment & ESG (Environmental, Social & Governance) Investing

Climate Disruption is Now Locked In. The Next Moves Will Be Critical. (The New York Times)

Your Physical & Mental Well-being

Kamala Harris, the California senator, is now Vice President-elect of the United States, the first woman, first Black woman, and first Indian-American woman to ever serve in the nation’s second-highest office. Regardless of your politics, it’s a historic moment for the United States, and one that has been a long time coming.

• 15 women who paved the way for Kamala Harris (Fortune)
• Black women put Kamala Harris in the White House. Here’s how they feel about making history (Fortune)

The blog FitFortyForever.com has a “Peloton hack,” showing you how to use the Peloton app with a more-affordable bike.

Jane Brody has a timely column on the double-whammy of seasonal affective disorder during a pandemic.

Dr. Perri Klass writes about the benefits of knitting for calm and connection.

Today’s WFH office

Sheri’s Karl with those ‘summer weather in November’ vibes.