Weather Alert  

*TROPICAL STORM ISAIAS MOVING NORTHWARD ALONG THE EAST COAST* This product covers Southeast New York, Northeast New Jersey, and Southern Connecticut ***TROPICAL STORM ISAIAS MOVING NORTHWARD ALONG THE EAST COAST*** NEW INFORMATION --------------- * CHANGES TO WATCHES AND WARNINGS: - A Tropical Storm Watch has been issued for Orange and Putnam - The Tropical Storm Watch has been upgraded to a Tropical Storm Warning for Bronx, Eastern Bergen, Eastern Essex, Eastern Passaic, Eastern Union, Hudson, Kings (Brooklyn), New York (Manhattan), Northeastern Suffolk, Northern Nassau, Northern Queens, Northwestern Suffolk, Richmond (Staten Island), Southeastern Suffolk, Southern Fairfield, Southern Middlesex, Southern Nassau, Southern New Haven, Southern New London, Southern Queens, Southern Westchester, Southwestern Suffolk, Western Bergen, Western Essex, and Western Union * CURRENT WATCHES AND WARNINGS: - A Tropical Storm Warning is in effect for Bronx, Eastern Bergen, Eastern Essex, Eastern Passaic, Eastern Union, Hudson, Kings (Brooklyn), New York (Manhattan), Northeastern Suffolk, Northern Nassau, Northern Queens, Northwestern Suffolk, Richmond (Staten Island), Southeastern Suffolk, Southern Fairfield, Southern Middlesex, Southern Nassau, Southern New Haven, Southern New London, Southern Queens, Southern Westchester, Southwestern Suffolk, Western Bergen, Western Essex, and Western Union - A Tropical Storm Watch is in effect for Northern Fairfield, Northern Middlesex, Northern New Haven, Northern New London, Northern Westchester, Orange, Putnam, Rockland, and Western Passaic * STORM INFORMATION: - About 830 miles south-southwest of New York City NY or about 900 miles south-southwest of Montauk Point NY - 29.7N 79.9W - Storm Intensity 70 mph - Movement North or 355 degrees at 9 mph SITUATION OVERVIEW ------------------ Tropical Storm Isaias, located off the north Florida coast, will continue to move to the north this morning, turning north-northeast this afternoon along the southeast coast. Isaias will continue moving northeast tonight over Eastern North Carolina. Isaias will slowly weaken as it accelerates northeast on Tuesday, likely moving over our area Tuesday afternoon and evening. There is still some timing and intensity uncertainty with this storm. However, confidence continues to increase with respect to the magnitude of local hazards and impacts. The main threats with this system involve heavy rainfall, strong winds, minor to moderate coastal flooding, along with high surf and dangerous rip currents. Locally heavy rain is expected with a widespread 2 to 4 inches, with localized amounts up to 6 inches possible. The heaviest rain is most likely to occur across New York City, Northeast New Jersey and the Lower Hudson Valley early Tuesday morning through Tuesday evening, and eastern sections Tuesday afternoon into Tuesday night. The strongest winds are likely to occur across Long Island, coastal Connecticut, and the New York City Metro. Dangerous marine conditions are likely across all of the coastal waters Tuesday and Tuesday night. High surf and dangerous rip currents are expected along the ocean beaches Monday through Wednesday. The effects from Tropical Storm Isaias are expected to diminish quickly from southwest to northeast across the area Tuesday night into Wednesday morning. POTENTIAL IMPACTS ----------------- * FLOODING RAIN: Protect against life-threatening rainfall flooding having possible extensive impacts across northeastern New Jersey, New York City, and the Lower Hudson Valley. Potential impacts include: - Major rainfall flooding may prompt many evacuations and rescues. - Rivers and streams may rapidly overflow their banks in multiple places. Small streams, creeks, canals, and ditches may become dangerous rivers. Flood control systems and barriers may become stressed. - In hilly terrain, destructive runoff may run quickly down valleys, and increase susceptibility to rockslides and mudslides. - Flood waters can enter many structures within multiple communities, some structures becoming uninhabitable or washed away. Many places where flood waters may cover escape routes. Streets and parking lots become rivers of moving water with underpasses submerged. Driving conditions become dangerous. Many road and bridge closures with some weakened or washed out. * WIND: Protect against dangerous wind having possible significant impacts across Southeast New York, Northeast New Jersey, and Southern Connecticut. Potential impacts include: - Some damage to roofing and siding materials, along with damage to porches, awnings, carports, and sheds. A few buildings experiencing window, door, and garage door failures. Mobile homes damaged, especially if unanchored. Unsecured lightweight objects become dangerous projectiles. - Several large trees snapped or uprooted, but with greater numbers in places where trees are shallow rooted. Several fences and roadway signs blown over. - Some roads impassable from large debris, and more within urban or heavily wooded places. A few bridges, causeways, and access routes impassable. - Scattered power and communications outages, but more prevalent in areas with above ground lines. * SURGE: Protect against locally hazardous surge having possible limited impacts across shoreline communities. Potential impacts in this area include: - There is potential for widespread minor to locally moderate coastal flooding across the Lower New York Harbor and South Shore Back Bays, with localized minor flooding impacts elsewhere. - Localized inundation with storm surge flooding mainly along immediate shorelines and in low lying spots. - Sections of near shore roads and parking lots become overspread with surge water. Driving conditions dangerous in places where surge water covers the road. - Moderate beach erosion. Heavy surf also breaching dunes, mainly in usually vulnerable locations. Strong and frequent rip currents. - Minor to locally moderate damage to marinas, docks, boardwalks, and piers. A few small craft broken away from moorings. * TORNADOES: Protect against a tornado event having possible limited impacts across Southeast New York, Northeast New Jersey, and Southern Connecticut. Potential impacts include: - The occurrence of isolated tornadoes can hinder the execution of emergency plans during tropical events. - A few places may experience tornado damage, along with power and communications disruptions. - Locations could realize roofs peeled off buildings, chimneys toppled, mobile homes pushed off foundations or overturned, large tree tops and branches snapped off, shallow rooted trees knocked over, moving vehicles blown off roads, and small boats pulled from moorings.

Should You Protect Your Portfolio With a Long-Term Care Policy?

LongIsland.com

If you are between 50 and 75, and have assets of $500,000 or more, you are a prime candidate for losing much of your wealth and depriving yourself or your heirs of the bulk of ...

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If you are between 50 and 75, and have assets of $500,000 or more, you are a prime candidate for losing much of your wealth and depriving yourself or your heirs of the bulk of your lifelong savings.

The possibility of this happening increases if you have any health problems or if you suddenly become disabled through illness or accident.

High-quality long-term care, whether at home, in an assisted living facility, or in a nursing home, can exceed $10,000 a month on Long Island. Medicare won't cover this expense, and government restrictions are making it more difficult to become "Medicaid-eligible" for most Long Islanders.

One strategy many individuals and couples are taking is to protect their home and investments with long-term care policies.

"These policies are not just 'insurance,'" says Gerard Simonelli, CFP, a senior financial planner with ARS Financial Services, Jericho. "They really function to protect your portfolio. They enable you to keep as much of your assets as possible if you need long-term medical or daily living care.

"Financial analysts point out that the odds of needing such care are 50 times greater than those of your house burning down, yet many people don't protect themselves against this more common life-altering possibility."

Simonelli notes that premiums for long-term policies are less expensive the sooner the policies are taken out.

"Some people begin to realize, when they're in their seventies, that long-term health care protection makes sense. By then, they learn, the premiums are more expensive than if the protection had been obtained years earlier. But even for people in their seventies, long-term care can be cost effective if it's combined with the right financial products."

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About Gerard Simonelli,

www.gerardsimonelli.com


Gerard Simonelli is a Senior Certified Financial Planner at ARS Financial Services Inc., and member of the Registry of Financial Planning Practioners of the Financial Planning Association of Long Island, Gerard works with corporations and communities advocating for mature individuals and retirees on LI. He is a registered representative with Cadaret Grant and Company Inc., and is a licensed life, health, property and casualty agent. As a 20 year veteran, Gerard is a big proponent of working in the community on numerous invitiatives fostering training, awareness and communication to his clients regarding their financial independence. A sought after speaker and expert on Long Island, Gerard recently was quoted in Newsday's Ask The Expert and It's Your Money on Long Island. For more information visit Gerard Simonelli's website at

www.gerardsimonelli.com

or call him at 516-932-5130.