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TROPICAL STORM ISAIAS MOVING NORTHWARD ALONG THE EASTERN SEABOARD This product covers Southeast New York, Northeast New Jersey, and Southern Connecticut **TROPICAL STORM ISAIAS MOVING NORTHWARD ALONG THE EASTERN SEABOARD** NEW INFORMATION --------------- * CHANGES TO WATCHES AND WARNINGS: - The Tropical Storm Watch has been upgraded to a Tropical Storm Warning for Northern Fairfield, Northern Middlesex, Northern New Haven, Northern New London, Northern Westchester, Orange, Putnam, Rockland, and Western Passaic * 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 Fairfield, Northern Middlesex, Northern Nassau, Northern New Haven, Northern New London, Northern Queens, Northern Westchester, Northwestern Suffolk, Orange, Putnam, Richmond (Staten Island), Rockland, Southeastern Suffolk, Southern Fairfield, Southern Middlesex, Southern Nassau, Southern New Haven, Southern New London, Southern Queens, Southern Westchester, Southwestern Suffolk, Western Bergen, Western Essex, Western Passaic, and Western Union * STORM INFORMATION: - About 770 miles south-southwest of New York City NY or about 850 miles southwest of Montauk Point NY - 30.7N 80.1W - Storm Intensity 70 mph - Movement North or 360 degrees at 13 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, southern Westchester and southern Connecticut, and the New York City and New Jersey Metro areas. 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. POTENTIAL IMPACTS ----------------- * FLOODING RAIN: Prepare for life-threatening rainfall flooding having possible extensive impacts across northeast 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: Prepare for 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: Prepare for locally hazardous surge having possible limited impacts across shoreline communities. Potential impacts in this area include: - Localized inundation with storm surge flooding mainly along immediate shorelines and in low lying spots, or in areas farther inland near where higher surge waters move ashore. - 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: Prepare for 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.

Preparing for Widowhood

Women who avoid preparing for life as a widow only add to the pain of losing a spouse. Life ends with only one possible conclusion: death. And while no one wants to spend any more ...

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Women who avoid preparing for life as a widow only add to the pain of losing a spouse.

Life ends with only one possible conclusion: death. And while no one wants to spend any more time than necessary thinking about that outcome, basic steps taken now can help avoid adding the confusion and frustration of estate finances to the pain of losing a spouse.

If you're a woman and you have been telling yourself you'll die first or you'll die within days of your spouse, keep in mind that women typically outlive men - 80% of women will die single, according to the Illinois Department of Financial & Professional Regulation. The average widow is just 56 years old. And 25 percent of widows have spent their husband's death benefit within two months.

In some households financial responsibilities like paying bills and investing fall to the woman. In other situations, one spouse handles bills and the other investing, or they address those issues and tasks together. If you are in one of those households, congratulations. You probably have the insight and information you will need if your husband dies first.

Among some couples, the husband takes the lead in handling money matters. The perfect time to start preparing for taking care of the finances on your own is while your spouse is alive and well, because you have him there to discuss your financial situation and understand his role in your total financial picture. Maintaining at least a big picture of the household finances can help women feel less confused and overwhelmed when their husband dies, or is no longer able to handle those responsibilities. At a minimum, know how much money is coming in and how much is going out each month - and where it's going.

If you haven't already, you will also want to meet the team of advisors you and your husband turn to for accounting, legal, insurance and investment help. Their names and phone numbers should be somewhere you can easily access them in an emergency. If you don't already have a relationship with a professional in one of these areas, you may want to find someone now whom you feel comfortable with, perhaps through a referral from a friend or relative. A crisis is not the time to be shopping for a trusted advisor.

Put together a file of copies of your most important documents and keep it someplace easy for you to find. On each copy, note where the original is kept. This file should include copies of birth certificates for both of you and any dependent children, your marriage license, the deed to your house, military discharge papers, a list of assets, insurance policies, wills and medical powers of attorney. The originals should be kept someplace safe, but not necessarily in a safe deposit box. Some states seal the contents of a safe deposit box at the time of death, which will mean those documents aren't available to you when you need them.

Discuss with your husband and your financial professional the death benefits available from pensions, retirement plans and Social Security as well as how other accounts will transfer. You need to know that when your spouse dies, you will have funds to cover immediate living expenses as well as funeral arrangements. By having a plan in place ahead of time, you can avoid the additional stress and anxiety of dealing with bills while you're grieving.

Websites, books and magazines abound with information about finances, which you may find helpful in expanding your understanding of the subject. At a minimum, you should have an understanding of your personal situation so that when the inevitable happens, you can focus less on money issues and more on your family and your own grief.

Lawrence D. Sprung, CFP of Mitlin Financial Inc., is a Registered Representative with Securities America, Inc., a Registered Broker/Dealer, member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc., a SEC Registered Investment Advisory firm. Lawrence D. Sprung, Investment Advisor Representative. Mitlin Financial Inc. and Securities America are unaffiliated. He can be reached at (631) 465-2017 or by e-mail at Feel free to forward any questions, or future topics you would like to see discussed to and put in the subject line.