Friday, June 16, 2006

The State of The State I’m In

BY MICHAEL WATT Ask Mr. Long Island

Last week I had my annual physical which means this week I write my annual column complaining…err, commenting on my annual physical.

Unlike most people, I usually look forward to my annual physical because I see it as a reward of sorts for the stuff that I DON'T do during the year. I don’t drink alcohol or coffee. I don’t smoke. I don’t eat a lot of red meat and I don’t eat ice cream every night of the week like I used to. (As this is being written I can hear my friend Corcoran of Babylon saying “sounds like you don’t have a lot of fun, either,” but that’s another column for another day.) There’s no point in going into why I no longer do any of these things; I just don’t. All I ask in return for not doing them is to hear my doctor say to me once a year, “Wow! You’re in phenomenal shape.” I’d even settle for, “You’re in phenomenal shape for a guy your age.” Is that too much to ask?

Apparently it is.

For starters, the doctor giving me the physical looked as if he is only a couple of weeks removed from the Mosh Pit on MTV’s Spring Break. (Do the kids still do the Mosh Pit thing? Does MTV still do “Spring Break”? Is MTV still around?) That’s one of the weirder aspects of aging. First you have to get used to the cops on patrol being younger than you. Then your kids’ school teachers and coaches. Then the nurses and doctors. I know I will be officially old when I am senior to the priests at Church

Anyway, Dr. Doogie takes a look at my chart and tells me my “bad” cholesterol has gone up markedly since my last physical. I would have punched him if I felt my heart could stand the strain from a sudden burst of activity.

Memo to Doogie. This is the part where you tell me how you wish you were in as good a shape as I am now. Instead I barked, “How can my cholesterol be up? I eat salads. I eat oatmeal. I get my five daily servings of fresh fruit and vegetables. I drink nothing but seltzer and water. THERE’S NO WAY I COULD LIVE MY LIFE ANY HEALTHIER WITHOUT JOINING A MONASTERY. THERE’S NOTHING LEFT FOR ME TO GIVE UP! Ewell Gibbons himself couldn’t do it any better.”

Well, that last comment had about as much impact as the Al Gore movie “An Inconvenient Truth.” I neglected to realize that unless Dr. Doogie did a stint at the advertising Hall of Fame he would have no idea who Ewell Gibbons was. As Phil Hartman used to say, “Humorous reference wasted on youthful audience.” But the frustrated-bordering-on pleading tone of my voice must have gotten to the young Doc. He tried to comfort me by saying, “Well, your ‘good’ cholesterol is also up. Besides, as you get older no matter what you do your ‘bad’ cholesterol tends to increase. There’s not a lot you can do about it.”

“Oh really?” I said. “Then how do you explain all those commercials clogging the airways for drugs that reduce cholesterol?”

He assured me that my bad cholesterol, although higher, was still in what is considered “acceptable range” and that would not have to pay any attention to those ads for at least another year. I told him I was taking Fish Oil (with Omega 3) supplements and he asked me about the dosage. I take 300 milligrams a day. He told me my body needs 3,000 milligrams daily. Yikes! I was either going to have increase my dosage ten-fold or learn how to spear Salmon with my bare hands.

Then he asked me if I was having any trouble “throwing the football through the tire.” I assured him that the only problem I have with erectile dysfunction is spelling it. I think he wanted to ask why I would need to spell it if I did not have any problems there (not everybody gets my delightful sense of humor) but I also think he wanted to get me the hell out of there as soon as possible so he did not.

Then the ‘C’ word came up: Colonoscopy. As if to get me warmed up to the idea he let me know that at 46 I was “still a couple of years away” from having to have a colonoscopy but that I should start thinking about it.

I do not consider myself to be on the squeamish side, so I wish I could come up with a good reason for being so reluctant to undergo this process. I certainly get no sympathy from my wife, Sharon. I suppose once you’ve gone through the birthing process twice and cranked out two kids weighing a total of nearly 20 pounds, any griping about a once-a-year pokey poke will fall on deaf ears.

Since he brought up the colonoscopy it was my turn to want to get the hell out of there. I made a mental note to keep my mouth shut for the rest of the physical and my strategy paid off. I was out of there in a flash and thought about next year. If nothing else, at least the doctor will be a year older, too,

Thank you for reading this column.

Monday, June 12, 2006

NIKON AT JONES BEACH THEATER SUMMER 2006 CONCERT SERIES


Nikon at Jones Beach Theater announces their Summer 2006 Season Line Up. One of the top ranked amphitheaters in the country, Nikon at Jones Beach Theater will play host to such acts as Kelly Clarkson, Crosby, Stills, Nash & Young, Steely Dan, Rob Thomas and Jewel, and Jimmy Buffett & The Coral Reefer Band. The current 2006 Concert Schedule is as follows:


NINE INCH NAILS
Bauhaus
Peaches
Friday, June 17 at 7PM
$49.50, $29.50


DEF LEPPARD / JOURNEY
Saturday, June 24 at 8PM
$95.00, $65.00, $35.00


THE ALLMAN BROTHERS BAND
The Derek Trucks Band
Tuesday, June 27 at 6:30PM
$65.00, $45.00, $20.00


PHIL LESH & FRIENDS
Trey Anastasio & Mike Gordon
with The Benevento Russo Duo
Friday, July 7 at 5:00PM
$52.50, $35.00


KELLY CLARKSON
Rooney
Wednesday, July 12 at 7:30PM
Thursday, July 13 at 7:30PM
$75.00, $49.50, $29.50


EARTH, WIND & FIRE
CHRIS BOTTI
Tuesday, July 18 at 8PM
$65.00, $40.00 & $20.00


THE BLACK CROWES
Robert Randolph & The Family Band
Drive-By Truckers
Wednesday, July 19 at 6:30PM
$42.50, $22.50


KC’s Boogie Blast
The Ultimate Dance Party
KC & THE SUNSHINE BAND
Gloria Gaynor
Sister Sledge
Friday, July 21 at 8PM
$42.50, $32.50, $20.00


FIONA APPLE
DAMIEN RICE
David Garza
Saturday, July 22 at 7:30PM
$49.50, $39.50, $20.00


ASHLEE SIMPSON
Sunday, July 23 at 8PM
$39.50, $29.50, $20.00


WALK FM Summer Concert
CHICAGO
HUEY LEWIS & THE NEWS
Friday, July 28 at 7:30PM
$86.00, $66.00, $36.00


COUNTING CROWS
GOO GOO DOLLS
Thursday, August 3 at 7PM
Friday, August 4 at 7PM
$49.50, $29.50


MARC ANTHONY
Marco Antonio Solis
Laura Pausini
Saturday, August 5
$96.00, $66.00, $41.00


VAN MORRISON
Monday, August 7 at 7:00PM
$71.50, $31.50


POISON
CINDERELLA
Endeverafter
Tuesday, August 8 at 7PM
$39.50, $20.00


JOHN FOGERTY
WILLIE NELSON
Friday, August 11 at 7:30PM
$59.50, $35.00, $20.00


O.A.R. (…of a revolution)
Jack’s Mannequin
Saturday, August 12 at 7PM
$35.00, $25.00


STEELY DAN
Michael McDonald
Thursday, August 17 at 8PM
$95.00, $65.00, $35.00


311
The Wailers
Pepper
Saturday, August 19 at 7PM
$35.00, $20.00


WKTU’S BEATSTOCK 2006
Sunday, August 20 at 6PM
$75.00, $52.50, $42.50, $20.00


An Evening With
CROSBY, STILLS, NASH & YOUNG
Tuesday, August 22 at 7:30PM
$251.00, $126.00, $86.00, $46.00


By Overwhelming Demand, 2nd Show Added!
An Evening With
CROSBY, STILLS, NASH & YOUNG
Wednesday, August 23 at 7:30PM
$251.00, $126.00, $86.00, $46.00


The Family Values Tour Feat:
KORN
Deftones
Flyleaf
Stone Sour
Dir en grey
Saturday, September 2 at 3PM
$49.50, $9.99


ROGER WATERS
Friday, September 15 at 8PM
$131.50, $91.50, $61.50, $36.50


SANTANA
Saturday, September 16 at 7:30PM
$75.00, $45.00, $20.00


Please note: Event information is provided as a courtesy of LongIsland.com with permission of Nikon at Jones Beach Theater for your personal non-commercial use. Copyrighted 2006, all rights reserved.

Nikon at Jones Beach Theater does have a VIP List for season ticket holders, offers pre-sale events and discounts to mailing list subscribers. Some events may be sold out, or additional shows added due to popular demand. Ticket limits and parking fees may also apply.

For more information about the Nikon at Jones Beach Theater’s 2006 schedule, check out the website at http://www.livenation.com or, call the concert hotline at 516-221-1000.

Nikon at Jones Beach Theater is located within Jones Beach State Park in Wantagh, New York and is operated and produced by Live Nation.

Sunday, June 11, 2006

Don't Procrastinate!

Photo by Alida Thorpe
Sailing on the Great South Bay
Don't procrastinate!
In response to the posting below...She is RIGHT!
Nothing gets done if you keep putting if off. I've learned the hard way and learned by experience. After all, I am almost 20 older and hopefully wiser.
It is so much easier to iron three shirts than 25.
Me? I'm a list maker. I make lists every day or so and try to set my priorities. Teaching for 30 years has kept me organized. I had no choice. Procrastinate and nothing gets done and the students suffer for it.
I do make time to do the things I enjoy. All work and....well, you know what that does.
The photo above is what I love the most. Sailing...and boating, fishing...the water in general.
Take time for yourself, get things done right away and balance your life.
You can do it. Set priorties and don't let the little chores get you down. Just get them done.
Sunday for me? Chores and responsiblities in the morning and boating in the afternoon!
_______________________
Click on the photo to see the larger version.

What Are You Avoiding Today?

I am taking a break from ironing 25 shirts. Yes, 25. And why am I spending a beautiful Sunday morning taking on such a task? Because I have been putting it off for weeks. O.K., let’s be honest—for months. I know it has been months because there are cold weather shirts in there. How embarrassing!

But this is nothing new and this is why I am sharing with you today. I do not like ironing. Even though I am really good at it, it is the one task that always makes me procrastinate. I have not yet figured out why. Especially since when I finally get myself to do it, I don’t even mind it all that much.

I am still bewildered by the fact that I have not learned my lesson in this area yet. When I do laundry each week, why don’t I just take the few shirts that need ironing and do it immediately? Especially since I know it will grow into the ugly monster that it has become today. 25 shirts?? I still can’t get over this.

Will I ever learn this lesson? Considering I am approaching my 38th birthday and still have not, who knows. Maybe today will be the breaking point and I will remember that I spent a glorious spring morning (after weeks of rain, no less) in front of the t.v. with my iron in hand. On the plus side, I did get an early start so the day still lies ahead for me to enjoy. But that’s no excuse. I am making a commitment to myself today to iron on a weekly basis and not let this happen again.

What is it in your life can you change to avoid the “pile up”? Think about it and think about how good it would feel to commit to change that area. I know that never having to iron 25 shirts in one shot again will create a wonderful sense of accomplishment and freedom. Wouldn’t it be great to feel that way about a habit in your life that you can change? I put the challenge before you!

I hope you enjoy this wonderful Sunday!

Friday, June 09, 2006

All Baseball, All the Time

BY MICHAEL WATT Ask Mr. Long Island

The Yankee-Red Sox game is on the tube as this is being written. Monday my older son’s high school team played for the Long Island Championship (they won). Over the weekend all of the ball games my sons and I were scheduled to play in (five in total) were postponed because of rain or wet conditions. So what did I do? I went to see my nephew’s high school team play for the Long Island Championship (bigger high school division. They won, too). That’s what I did. This baseball thing is out of control. Is there such a thing as Baseball Anonymous?

Now I love the sport and I love watching my sons play it. I even signed up to play softball in one of those “Over The Hill” leagues on Sunday nights. But between watching my sons play, playing myself and then of course all the extracurricular activities related to my participation as a board member in the local Little League, it seems as my life has been taken over by the horsehide sphere. It’s as if baseball is my god and I am one of its…well, I can’t say what but to paraphrase Mrs. Bush it rhymes, sort of, with 108 stitches.

See, now, that’s what I mean. Only a nudnik would know that the standard baseball comes with 108 stitches. I need a life.

It shouldn’t surprise me that baseball encompasses so much of my daily existence – that’s the way it’s always been. My childhood friend Dr. Mike the Chiropractor once told me that there was a time in our youth when he forgot what color hair I had because I was always sporting a baseball cap. What few home movies my family has feature a little boy (me) running around making “safe” and “out” signs as if I were an umpire. What? Other kids didn’t do that? That’s not normal? Of course it’s not. If you watched those movies and you didn’t know any better you would think my parents fed me crack for breakfast.

The first date I ever went on involved, you guessed it, a baseball game. The date fell on the Fourth of July and I thought there was a fireworks show at John J. Burns Park in Massapequa. My beloved and I walked there from her parents’ house. No fireworks, though. Just two teams of unknown origin playing a game under the lights. We stayed to watch and I think I treated her to a box of candy at the snack stand. Remarkably, this young lady saw fit to be my girlfriend for another nine months. I did notice, however, a marked reluctance on her part to speak to me when I saw her at the 20th high school reunion a few years back.

I played ball in Little League and CYO and then, of course, high school. With each passing year, however, it became increasingly evident that “professional baseball player” was not going to appear anywhere on my resume. Sadly, the end of my high school baseball career was rather ugly and as a result I ended up virtually ignoring the game for a couple of years. That stretch, 1976 and 1977, coincided with a sparkling run of great baseball by the Yankees – the team I suffered watching in the late 1960s and early 1970s. Just another instance of my ship coming in and I’m at the corner luncheonette, buying a paper and a cup of coffee.

The remarkable Yankee comeback in 1978 brought me back and by the time I graduated from college and started working in New York City in the early 1980s I was back full time. In 1983 I started dating my wife, Sharon. It took me some time to muster the courage to introduce the notion of watching baseball as an entertainment alternative into our relationship. (Sharon was never a big fan). I started out slowly and gently at first, with a seemingly innocuous changing of the station on the car radio “just for a second to see what the score is.” Then I convinced her to watch the All-Star game with me and that night something clicked. I’m not sure if it was the majesty of the hit and run or the sight of 50 or so healthy young men running around in skin-tight pants that did the trick and quite frankly I do not care. Baseball was no longer anathema to Sharon and I would not dispute the argument that Sharon’s embracing of the game was the first major deposit in the bank of knowledge that led me to believe that she was The One for me.

I am also proud of the fact that one of the highlights (there were many) of our Honeymoon in New England in the fall of 1985 was the evening we spent at Fenway Park, watching the Red Sox take on the Tigers of Detroit. Since then my wife and I and our sons have visited nearly ten other baseball parks around the country (Yankee, Shea, Camden Yards, Wrigley, The Jake in Cleveland, The Big A in Anaheim, Dodger Stadium, Citizens Bank Park in Philadelphia and Petco Park in San Diego). This summer - after Alex is done playing for his two travel teams and Max is done with the Williamsport and local baseball tournaments - our vacation plans are to fly to Seattle, watch the Mariners play the Yankees at Safeco Field and then drive to San Francisco to see the Giants play. In between we’ll stop in Oregon somewhere and do something touristy, seeing as Oregon does not have a baseball park that we are aware of.

So it is a baseball life for me and my family. This weekend we are off to Binghamton to watch Alex’s team participate in the State Championships. We’re all pretty excited because we hear Binghamton is beautiful this time of year – at least when there’s a baseball game going on.

Thank you for reading this column.

Thursday, June 08, 2006

Search Engine Optimization vs. Search Engine Domination

Search engine optimization is when you optimize your website for better search engine ranking and placement.

Search engine domination is when you know a thing or two more about search engine marketing and BLOW your competition out of the search engines. Ohhh, how sweet it is!

For more information call at LongIsland.com at 631-543-1000 x258.

Wednesday, June 07, 2006

Written by an Australian Dentist...To Kill an American

You may have missed it in the rush of news last week, but there was actually a report that someone in Pakistan had published in a newspaper an offer of a reward to anyone who killed an American, any American.

So, an Australian dentist wrote an editorial the following day to let everyone know what an American is, so they would know when they found one.

(Good one, mate!!!!)

He wrote:
"An American is English; or French, or Italian, Irish, German, Spanish, Polish, Russian, Czech, Slovakian, Hungarian or Greek. An American may also be Canadian, Mexican, African, Indian, Chinese, Japanese, Korean, Australian, Iranian, Asian, Arab, Pakistani or Afghan. An American may also be a Comanche, Cherokee, Osage, Blackfoot, Navaho, Apache, Seminole, Blackfoot or one of the many other tribes known as Native Americans.

An American is Christian; or he could be Jewish, or Buddhist, or Muslim In fact, there are more Muslims in America than in Afghanistan. The only difference is that in America they are free to worship as each of them chooses.

An American is also free to believe in no religion. For that he may answer only to God, not to the government or to armed thugs claiming to speak for the government and for God.

An American lives in the most prosperous land in the history of the world. The root of that prosperity can be found in the Declaration of Independence, which recognizes the God-given right of each person to the pursuit of happiness.

An American is generous. Americans have helped out just about every other nation in the world in their time of need, never asking a thing in return. When Afghanistan was over-run by the Soviet army 25 years ago, Americans came with arms and supplies to enable the people to win back their country.

As of the morning of September 11, Americans had given more than any other nation to the poor in Afghanistan.

Americans welcome the best of everything . . . the best products, the best books, the best music, the best food, the best services, the best movies. But they also welcome the least.

The national symbol of America, The Statue of Liberty, welcomes your tired and your poor, the wretched refuse of your teeming shores, the homeless, the tempest-tossed. These in fact are the people who built America.

Some of them were working in the Twin Towers on the morning of September 11, 2001 earning a better life for their families. It's been said that the World Trade Center victims were from at least 30 different countries, cultures, and first languages, including those that aided and abetted the terrorists.

So you can try to kill an American if you must. Hitler did. So did Tojo, and Stalin, and Mao, and other blood-thirsty tyrants in the world. But, in doing so you would just be killing yourself. Because Americans are not a particular people from a particular place. They are the embodiment of the human spirit of freedom. Everyone who holds to that spirit, everywhere, is an American.



Please keep this going!
Pass this around the World?
Then pass it around again.
It says it all, for all of us

Tuesday, June 06, 2006

Panic Mode in Insurance Companies?

Aaron Stein, Long Island Insurance BY AARON STEIN

Apparently Allstate just announced that they will be dropping all earthquake coverage country-wide except for four states (Kentucky, Connecticut, Rhode Island, and Florida) where it is legally required, and they are in negotiations in those states! They currently write this coverage for over 400,000 homeowners.

Earthquake, of course, is another 'catastrophic' insurance coverage, meaning that it has the potential to affect a large number of properties in the same event. And since we have had relatively little earthquake activity in the past few decades, there has been a lot of building in areas that previously were considered dangerous because of underground faults. This is similar to all the building that has gone on near the coast during the last couple of decades when we were in a 'low' time for hurricane activity.

It seems that the industry is going into full panic mode. This is going to be an interesting couple of years for homeowners because once this sort of ball gets rolling, it's going to be hard to stop it. Although hurricane and earthquake clearly fall into the catastrophe classification, if you start 'massaging' the definitions, there are other coverages that could be questionable in the next round. War is already excluded, but terrorism is not, at least on privately owned dwellings. What else will they be able to think of?

In a strange way, this might actually help the Long Island and New York homeowners situation. One of the problems has been that the parts of the country that are not subject to hurricanes and flooding have been less than excited about programs such as the FEMA Flood Insurance to help those areas that are so exposed. If earthquake coverage also necessitates a government program, then we may find more support in general for things like government catastrophe backstops that are now being sought by the insurance carriers.

The other good thing that will eventually come of this is better building codes to reduce damage when the storm or other event does occur. Those take many years to implement, but they have to start sometime. As always, for more info on these or other issues, you can contact us through our web sites at http://www.nyinsurancewithservice.com/ and http://www.floodinsuranceny.com/.

Best Pizza on Long Island, New York

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Monday, June 05, 2006

View from the Fire Island National Seashore


The view from the Fire Island National Seashore,
looking north to the south shore of Long Island.
The Great South Bay is calm.
Soon the boaters will navigate across the bay for a day of sunshine
and a visit to the Atlantic Ocean.
Welcome to my Long Island!
Click on the photo is see the larger version.

Saturday, June 03, 2006

The Long Island Mouse

Mrs. Long IslandBY MRS. LONG ISLAND

Who is smarter the city mouse, the country mouse or the mouse from the suburbs?

I was talking to a colleague the other day. While we were chatting I mentioned a company that had contacted me with an offer to do a joint promotion. My business associate flipped out and went into a twenty minute diatribe about this company.

He explained how they had contacted him on several occasions. This "other" company was extremely inquisitive asking more questions than inquirying minds need to know.

My colleague, a bit uncomfortable with the line of questioning, joking replied to the individual on the phone, "Are you asking all these questions because you want to do business with me, or are you a competitor fishing for information?"

This seemingly friendly caller became quite enraged at that point, realizing that he was now on the spot. His reponse was littered with expletives too indecent to repeat. He also told my associate that he was going to put him out of business and abruptly hung up the phone.

My business associate went on to explain how the "other" company stole his ideas. They took his product line and reproduced it, in a cheaper format and for a cheaper price. Not only were they marketing their product to all of his customers they were also solicting his business associates making deals for endorsements.

I realized that he was annoyed with me as well. I did not realize the similarities in the product lines until he pointed them out to me. I tried to defend my position explaining that the "other" company was very nice, very persistent and extremely accomodating. He made it clear to me why they were so eager to work with me. He also made it clear that if I proceeded with a business relationship with them, this would cause a rift in our working relationship. I told him I would see what I could do about getting out of the arrangement.

It took me a few days to realize the effect my doing business with this "other" company would have on our existing relationship, as well as the impact it might have on his business. My affiliation would not only be an endorsement of the other product, but would establish an association, making the products even more similar in the mind of the consumer.

So, I asked myself what was more important? The yet to be determined benefit of doing business with this new company or the value of the existing relationship with my associate? I decided on the latter.

I took a bite of the humble pie and called my colleague to apologize. He was extremely relieved and grateful that I was of like mind, with regard to business ethics. We had a long conversation after that discussing how difficult it was to run a business on Long Island.

It takes years to establish your brand, build your reputation and keep your customers happy. Business typically runs in cycles based on the economy. Some years good, some years not so good, some years are great. If you manage to keep your head above water and adapt to the changes you are ahead of the game. To add to the challenge there is almost always competition.

Competition is the cornerstone of the American way of life. Driving the price of goods down and leveling out the playing field of the supply and demand that drives our ecomomy. So, why is it that Long Island competitors plays so unfairly? I have seen first hand how companies sprout up overnight. Their entire business based on stealing ideas from their competitors and calling them their own. Is this what happens across the country, across the globe or just here on Long Island?

Maybe it is the whole mentally of living on Long Island. The Long Island mouse thinks he is smarter than the city mouse and the country mouse. We enjoy the perks of living close to the city, but not as far as the country. Yes, for some this is the ideal place to live if you can afford it. For others the high cost of living is driving some mice to the country. And several mice are stealing the cheese - to get by, just to have more cheese than everyone else or just because they think they are the smartest mouse?

I think the smartest mouse takes pride in making his own cheese, lives where it is most comfortable and stays away from the copy cat!

Thanks for reading my rantings.

Have You Thought About Slowing Down?

More and more in my work with clients I see people who are overextended. Their schedules, kid’s schedules, partner’s schedules, work, home, play, exercise, spirituality. Sound familiar? It makes me as the question, what are we doing to ourselves? Is this really the kind of life we want to be living?

The rush to get ahead, make money, succeed and advanced is creating one rushed society. I see it every day on the roads. People driving faster and faster. Where exactly are they going that is of such importance that they need to drive 100 mph, weaving in and out of traffic and endangering other people’s lives? It can’t be that there are so many people running late.

I have been trying an experiment in my own life of trying to slow down and become more aware. Tune into what I am doing and trying to reduce the amount of multi-tasking I am doing in a day. And it has been a good experience so far.

When I bring up this topic in my workshops, I usually get a lot of groans and eye rolling. “Impossible!” I hear. “Pu-lease! Slow down? But how?” I gently remind people that anything is possible if we want it badly enough. It is very easy to not overextend yourself, reduce the amount of things you do in a day and find more time for quality as opposed to quantity.

I will share a few of the changes I have made that have made a difference. Some may seem inconsequential to your life or in general but they have made a huge difference in my life.

#1. Being More Aware While Driving
I notice so many people racing through parking lots, it truly amazes me. There have been numerous occasions when I have almost been hit, while walking in a parking lot, because the driver was not paying attention or driving to fast. Being more aware and tuned in while we are driving is not only important for safety but also for our sanity. In slowing down, I have adopted the attitude of letting others do what they want on the roads and not getting angry about it. I have also started using the cell phone less while driving because it is a distraction. Overall, it has made me a better driver and I definitely feel more calm when I am on the road.

#2 Less Television
A major part of slowing down for me is reducing the amount of television I watch and not using the t.v. as background noise. This may not sound like much of a way to slow down but it makes a huge difference. On days when I am working from home and on the computer, I usually have the t.v. on in the background, even though I can’t see it from my office. When I turn it off and work in silence, it makes such a difference. I am able to focus better and tune into what I am doing; not to what is happening on the t.v. I have also found that watching less news and less shows in general has decreased stress and allowed me more time for more important things such as reading, hobbies and quiet time.

#3 Unwinding Time
Taking time to transition from work mode to home mode is very important. I have been trying to add this into my schedule for awhile. It’s always there on my To Do list but like anything new, it takes time for me to get rolling on it. Well, one day I had a very busy, stressful day and came home late. My husband wanted to watch the news and for me it was just information overload. So, I took some time alone in the guest bedroom to just breathe, clear my head and relax. And half an hour later I was fully refreshed and recharged. Taking time to clear our heads after the work day is so important so we can transition from those thoughts and stresses and be fresh for our family and events of the evening.

#4 Appreciate the Every Day
We have all heard the saying that we should appreciate the little things in life. So every day I look for these little things. It helps to take our focus somewhere else to reduce stress. And it can be anything. My latest favorite is my appreciation for water. How many times a day do we just turn on the faucet and out comes clean, fresh, warm or cold water? Have you ever really thought about that? How lucky are we that we have this anytime we want it? I think it is one of those things we definitely take for granted and we don’t realize how many people in the world do not have this simple, basic need. Try to find something each day that you usually would overlook because it is so common. Focus on that and how thankful you are to have it.

These are just a few examples of slowing down and tuning in. What does this have to do with organizing? A lot. Organizing is about more than creating a cleared space. It also extends into our thoughts and how we live our lives. So many people suffer with cluttered minds and thoughts and this carries over into their physical space. Doing less will actually help you achieve more in the long run. And if you take the time to tune into life a bit more, it will bring more meaning to it and help to reduce stress.

Thursday, June 01, 2006

FEMA Flood Insurance - Extreme Makeover

Aaron Stein, Long Island Insurance BY AARON STEIN

Well, the issue of hurricanes hitting Long Island and the New York metropolitan area continues to make big news. There was another big article in today's Newsday talking about storm preparedness, and I just got an invite today to a big conference at the New York Hilton on July 19. Called the Northeast Hurricane Conference, they hope to bring together all the various parties - government, insurance, emergency personnel, and so on. The idea will be to try to get information out to everybody, including us everyday folks.

Meanwhile, in Washington D.C., both houses of Congress have passed different versions of a major FEMA Flood Insurance reform act. Now of course they need to have a conference committee to iron out differences, but there are going to be some major changes in the Federal Flood Insurance program (NFIP). It will be no surprise to most folks, I'm sure, to find out that Katrina bankrupted the FEMA flood insurance program. It required an infusion from the U.S. Treasury of $23 billion (so far). And although Long Island gets great benefits from the program, I'm sure you can understand that the folks in places like Arizona and New Mexico feel that those who live in flood areas should pay for their own claims through the FEMA program, not be subsidized by those not in flood areas.

There are two fundamental ways to financially beef up the flood insurance system so it's better prepared for the inevitable future claims. You can get more money in, and pay less money out. So some changes will be designed to get more people to participate in the program through changes to the flood zone maps and through requirements in federally backed mortgages (which means most loans.) In other words, more people will be getting letters from their bank advising that they need flood insurance. The second part of the 'more money in' equation is higher rates, unfortunately.

On the 'less money out' side, we might see more restrictions of coverage on buildings that have had multiple losses in the past, less available coverage for vacation and second homes, enforcement of penalty clauses for underinsurance, and other possibilities. I stress that these are all possibilities at this point, though most of them are in one or the other of the bills already passed by Congress. The only real question is exactly what form the final bill will take. There is no question that action will be taken on some bill.

Next time, we'll talk a little about Excess Flood Insurance, over and above the $250,000 maximum available under the FEMA program. That's going to be another big issue as banks wake up to the fact that many many homes on Long Island and in New York would cost many times that much to re-build after a flood. As always, for more info, visit our website at http://www.floodinsuranceny.com/. For previous posts in this series, look at the archives here or visit our blog homepage at www.NYAutoandHomeInsurance.com

Seeking information on dedication ceremony for James McNaughton, an Army Reserve and NYPD officer

Paul writes, "I would like to know if there was recently a street renaming ceremony in Long Island, New York for James McNaughton, an Army Reserve Officer and NYPD officer who was killed in Iraq. I am trying to find this information but have been unsuccessful. Thank-You"

Answer:
There was a small mention in the Journal News on May 21, 2006:

"The family of NYPD Officer James McNaughton was given the Medal of Valor. McNaughton was the first law-enforcement officer killed serving in Iraq."

Upon checking the NY Fraternal Order of Police Web site, mentioned in the article that they presented the award and could not find any information about it. You might want to contact them to find out if there is a dedication ceremony planned or maybe our readers can provide some information?

Sunday, May 28, 2006

Thanks to our Veterans on Memorial Day

Memorial Day is a United States federal holiday that is observed on the last Monday of May. It was formerly known as Decoration Day. This holiday commemorates U.S. men and women who died in military service for their country. It began first to honor Union soldiers who died during the American Civil War. After World War I, it expanded to include those who died in any war or military action.

Many people observe this holiday by visiting cemeteries and memorials. A National Moment of Remembrance takes place at 3 p.m. Another tradition is to fly the U.S. Flag at half-staff from dawn until noon local time. In addition to remembrance, Memorial Day is also a time for picnics, family gatherings, and sporting events. Some Americans view Memorial Day as the unofficial beginning of summer and Labor Day as the unofficial end of the season. Some Americans use Memorial Day weekend to also honor family members who have passed away.

So, this Memorial Day weekend eat a hot dog at the game, spend some quality time with your friends and family and thank a veteran for the freedom to do so!

References: Wikipedia, The Free Encyclopedia - Memorial Day

Friday, May 26, 2006

Ode to the Onset of Summer

Ask Mr. Long Island
BY MICHAEL WATT

Remember the scene in one of the “Charlie Brown” television specials, where he’s all pumped to score the winning run and he goes into his slide, only to come up short of home plate by about 15 feet?

That’s how I feel heading into this Memorial Day Weekend. (Does the use of the words “day” and “weekend” in the same phrase constitute some kind of oxymoron?) This week has been one thing after the other and I think I ran out of gas sometime late Thursday afternoon. I don’t know when I’ve needed a break more than I need one now. Of course with both my sons’ baseball-related activities in high gear that “break” should happen somewhere between 1 p.m and 4 p.m. on Sunday, but it’s all good. The way I look at it, there are hundreds of parents spending their weekends in the hospitals visiting their sick kids who would gladly switch situations with me.

Besides, I have come to the conclusion that the Memorial Day Weekend is so great it should be a national holiday. Oh wait, it already is. No surprise there. I used to think Thanksgiving was the greatest holiday because it involved all the good things (i.e. great eating and drinking with plenty of football on TV) and none of the bad things (i.e. shopping for gifts and dealing with the heathen masses who only go to Church once or twice a year). Now I believe the best is Memorial Day. Here’s why:

It’s the kick-off to summer and the best weather Long Island has to offer.

The stretch from Memorial Day to the Fourth of July usually features great weather. Not too hot. Daylight as late as nine o’clock. After the Fourth of July the weather starts getting sticky and by August you have the windows shut and the AC going so much you might as well be living in Florida.

Going to the Beach becomes an option

Once Memorial Day goes by then going to the beach becomes an option on the weekend. Of course going to the beach is always an option when you live on Long Island but going without having to wear an overcoat or jacket is light years more enjoyable. Last year my summer was such that it was Labor Day before I realized I had gone the whole season without hitting the beach once, so my family and I went that Friday afternoon after work. What’s the point of living here and paying all those taxes if you don’t hit the beach at least once during the course of the season?

Sundresses

After Memorial Day there is a greater proliferation of the wearing of sundresses. ‘Nuff said.

The Memorial Day Parade

Each year the village I live in (Babylon) hosts a parade and is kind enough to direct that parade right past my house on Deer Park Avenue. So my wife, Sharon, and I invite who we can to watch the parade from our front lawn. Inevitably an impromptu game of running bases breaks out amongst the testosterone-carriers living in the neighborhood, and there are few greater joys for a parent than to watch a child participate in a recreational activity that does not involve an electronic gadget or, even better, reaching into one’s pocket to part with some hard-earned money. The smaller kids park themselves on the curb and wave those little flags that somehow materialize on mornings such as these.

Then the marchers come by, either carrying banners and flags or playing music that just lifts your soul and makes you proud to be an American. Okay, so maybe the songs themselves won’t show up on your i-Pod anytime soon, but there is something to be said for the tingle you feel when you hear the trumpets, drums, xylophones and such. Also included in the mix of marchers are Boy Scouts, Girls Scouts, old cars, new cars, Veterans and elected officials all too happy to wave to the crowds, knowing they won’t have to listen to any complaints. At least the parade is over.

One year Bret Saberhagen – who lived in the Village while he played for the Mets – rode in a convertible during the Parade. I actually got excited realizing a MAJOR LEAGUE BASEBALL player went by my house. I quickly got over it, of course, especially since he was a Met and not a very popular one at that. But still.

Then the fire trucks rumble by and the parade is over. Just like that the crowds dissipate and its time for some serious downtime, relaxing on the deck in the back and ignoring the plank in the deck that needs to be replaced. A whole summer in front of us. A whole summer to look forward to. Listening to Yankee games on the radio. Concerts at the Jones Beach Theater. Hot dogs (not too many, now. Cholesterol, you know). Italian Ices after dinner. The consumption of copious amounts of watermelon immediately followed by the projectile rejection of watermelon seeds and the requisite contest to see who can spit the seeds the furthest.

Like I said earlier: it’s all good. Enjoy your Memorial Day Weekend, oxymoron and all.

Thank you for reading this column.

Thursday, May 25, 2006

Long Island Homeowners Insurance - Political Football?

Aaron Stein, Long Island Insurance BY AARON STEIN

Yesterday we had our regular monthly meeting of the Suffolk County Independent Insurance Agents Association. It's a great group of men and women with an extraordinary amount of knowledge and desire to do the best for their clients. The Suffolk board is known throughout the State for being one of the most proactive and thoughtful. You can see more about our activities at www.suffolkagents.com, including our bi-monthly newsletter, which I publish. The articles are written by various members on a rotating basis and cover a wide range of topics.

Yesterday we heard about efforts in the State Legislature to make the New York Property Insurance Underwriting Association (NYPIUA) permanent. NYPIUA is basically a state-owned and operated insurance company that is the carrier of last resort for fire and wind insurance. Most of the homes on Fire Island have come to be insured there, though there has been much movement away from them because coverage is limited, and folks have been building those huge houses over there. Properties in blighted city areas have also made use of NYPIUA.

The problem is that the whole operation is treated as a political football by the legislature. They renew it year by year, or for two years, even though most of them know absolutely that they can't let it run out. Usually it does actually expire at each renewal, as the State Senators horse-trade for votes on other issues. The problem is that NYPIUA is mostly used downstate in city and coastal areas, so the upstate legislators hold their votes hostage to things that they want their downstate counterparts to vote for. It is a bad situation, and it is being made much worse by the current insurance problems.

We also heard about another insurance carrier, a small one this time, who is taking action to cancel all their homeowners policies south of Sunrise Highway, and closing up for new business. As has been said here before, this whole thing is going to get worse before it gets better, unfortunately.

Tuesday, May 23, 2006

Re II: Has Long Island lost it’s Charm?

Wow! No apologies necessary, Mia. The answer to this question is a resounding “YES.”

Pick up a piece of garbage twelve houses down from your own house and throw it out? Yeah Right. We would each need to lug around 30 gallon garbage bags now.

Houses so close together you can shake hands with your neighbor through the Kitchen window? Commonplace.

Bumper to bumper traffic from the Queens border to Riverhead? Gee, didn’t use to have that did we?

Stop signs at every other corner? We may not quit until there are Stop signs in front of every other driveway!

Condo’s where green pasture used to be? Strip malls where deer used to roam? Don’t think we’re going to see that again.

Years ago it used to be disrespectful to your neighbors, to park your car overnight on a residential street – much less across from a neighbor’s driveway. In some communities it used to be illegal. (Is it still?) Today we’re two steps away from “alternate side of the street” parking regulations in many areas.

The attitudes and concepts that used to provide Long Island with so much of its former “charm” are gone. They are not victims of uncaring residents, but rather the rapid overpopulation and density that was inevitable given our close proximity to the city. Such rapid population growth came with precious little planning, ill-conceived short term solutions and not just a little greed. In its path, many of the values that we once held as a community fell by the wayside.

Can we now change our heavy suburban – urban environment back to the light suburban – rural one that we once knew? I think not. Can we however, strive to revive some of our former quality of life? Perhaps – if we’re willing and if we really care.

We need to focus on the issues that are important to us. Not the state. Not the Federal Government, but us, here on Long Island, if we wish to revive some of our former quality of life. Our politicians need to focus on these issues. We need to support those that do, and oust those who don’t, whether through our actions or our votes.

As an example, I sit in miles of traffic on the LIE. I’m forced to wonder who invented the HOV. A fortunate few who’s schedules allow them to car pool, zip by while the rest of us together with the commercial traffic so important to our economy, burn countless gallons of fuel as we sit waiting in the miles of backups caused by the HOV merging back into our lanes. An early morning rush hour cruise on Sunrise Highway in Suffolk will quickly suggest how silly the HOV concept is. Does anybody care? The HOV is not a concept that works on Long Island. It was forced on us. Put it to a Long Island vote and see how quickly it disappears.

We and our political leadership are going to have to think outside of the box if we are going to save ourselves from a completely Urban fate.

Perhaps we really need to revisit the concept of a “State of Long Island”. Our two counties could merge into a new state government, leaving our towns as counties. We would then eliminate our expensive three-tier system of government and the excessive waste that comes with it. We could also retain the tax revenues that currently fall into the greedy hands of Albany. Do we really need Albany to manage our money anymore? Doesn’t seem like they do a really great job of it, no matter which party in favor. Our political leadership would be more focused on, and more accountable to - our needs.

The money saved could well be spent improving our transportation and our infrastructure. Perhaps we could then even start reducing our land taxes. This might improve the chances for our younger people to own, and our retired residents to retain, their own homes.

I’ve been a resident of Long Island for almost sixty years and probably will be until I die. I understand that we can never go back to the “rustic charm” of our earlier years, but I sure haven’t given up on the idea that we can still make Long Island a very charming place to live. We just all have to work together to make it happen. And we have to care again!

Reverse Mortgages & Home Equity Lines of Credit


This month we would like to compare the traditional Home Equity Line of Credit (the HELOC) to the Line of Credit option provided within the Reverse Mortgage program which has been designed specifically for homeowners over the age of 62. There are major differences that seniors should be aware of. Yes, both of these loans are variable rate loans, but that’s pretty much where the similarities end.

The traditional Home Equity Line of Credit, or HELOC, is usually structured as a second lien against your home, subordinate to a first mortgage, although this doesn’t necessarily have to be the case. HHHELOC’s are usually obtained free of closing costs although in most cases, all or part of the closing costs will be assessed if the loan is closed out within 3 years. Homeowners who are looking for a very short term loan (less than 3 years) should make sure that they know what these close out costs will be.

With the Reverse Mortgage, a Line of Credit is only one of the options available within the overall program. A Reverse Mortgage must be the first lien against the home so any existing mortgages must be paid off – either directly, or from proceeds of the mortgage. The closing costs with the Reverse Mortgage need to be considered. They are paid from proceeds at time of closing, so the program is really designed to be more attractive over the longer term. If you are looking to move from your home in a short period of time, the HELOC or other options may be more attractive.

Most commonly, with the HELOC you are required to pay interest only for the first 10 years of the loan. During this 10 year “draw down” period, you can also access (borrow against) your line of credit at any time. At the end of the 10 year draw down period however, two things happen. First, you can no longer borrow from the loan and more importantly, your payment structure will change. You will now have to pay not only the interest but also a portion of the principal, thereby significantly increasing the monthly payment required.

This HELOC feature can create a real hardship. When younger and still working, the solution is simply to “re-finance” the loan into a new one, thereby initiating a new draw down period. For seniors though, a reduced retirement income may prohibit them from financially qualifying for a refinance. They are then stuck with not only those higher payments – but also with the inability to further access the loan.

Unlike the HELOC, the Reverse Mortgage Line of Credit does not have the “draw-down” period. It is good for as long as the senior lives in the home and maintains it as primary residence.

No payments (monthly or otherwise) are ever required with the Reverse Mortgage. Instead, the balance of the mortgage increases based on the amounts drawn against the loan together with the interest and fees assessed. While payments may be made by choice, this mortgage never has to be re-paid until the home is vacated or is no longer used as a primary residence – regardless of how much time has passed. The Reverse Mortgage is an insured program. As a result, even though the mortgage balance increases, it can never be greater than the value of the home, nor can the senior ever be forced out of the home for lack of ability to pay.

With a traditional HELOC, the line of credit available to the homeowner does not change. Should the homeowner wish to increase their line of credit, they must refinance the loan.

With the Reverse Mortgage the unused portion of the line of credit actually increases from year to year, providing a greater access to the home’s equity over time – automatically, with no refinancing necessary.

Finally, there are no income or credit qualification requirements for the Reverse Mortgage. This can be an attractive feature for retired senior homeowners with reduced income or less than sterling credit.

For seniors who can qualify for it, can comfortably make the variable monthly payments and are only seeking a relatively short term financing solution, the HELOC can be a viable, lower cost option.

For seniors with a longer-term horizon, the additional benefits and security of a Federally Insured and Government sponsored program designed specifically to protect them and provide for their needs - could very well be the more attractive option.


Francis Miller is a Reverse Mortgage Consultant with
the Senior Funding Group, Hicksville, New York.
www.SeniorFundingGroup.com
He can be contacted directly at 1-631-312-3569

What is a Datsun?

Mrs. Long IslandBY MRS. LONG ISLAND

Competition is the cornerstone of the American way of life. Driving the price of goods down and leveling out the playing field of the supply and demand that drives our ecomomy.

Japanese car manufacturers gained a huge competitive foothold in the American car market. How did they put such a big dent in the Detroit car industry? They did not replicate a Ford, stick their logo on it and call it a Datsun. They analyzed the American car market, picked it apart finding the strengths and weaknesses then they reinvented it.

In the height of the gas crisis circa 1975, American car makers were producing beautiful super-sized gas guzzlers. Japan was producing small compact cars, cheap and good on gas. This capitalized on the need for efficency and fuel ecomony, a weakness of the American auto industry. While the American car makers were laughing at these ugly little inventions, the Japanese improved upon their product, steamlined them and made them more reliable than American cars. Within a few years the number of imports on the road surpassed the domestic car market. The big wigs in Detroit started looking at the facts and the figures and realized that if they did not make changes quickly they would lose the entire marketshare to their Asian competitors.

So, back they went to the drawing boards and came up with a line of compact cars to compete with their Japanese counterparts. It took another couple of years and several Toyota dissections later to figure out how to make American cars more reliable. By that time Japan, had figured out that an attractive car is just as attractive as price to American buyers.

The market has leveled itself out with domestic car sales just about on par with imports. There are other imports seeping into the marketplace with new fangled looks, features and options. The Japanese car manufacturers manage to retain a slight advantage in the market with resale value slightly higher than American cars, I believe based solely on reputation of reliability.

A Datsun is the former brand name of Nissan Motors Corporation. I owned a very used Datsun many years back. The car was a rust bucket, but it was still running as it fell apart from the pot holes on the Belt Parkway. I managed to make it home and the muffler fell off as I shut off the car. I called the junk yard and actually got a few bucks for the engine which had well over 100K miles on it.

These days I am quite content with my American minivan.
Thank you for reading my rantings.

Saturday, May 20, 2006

Kayaks on the Connetquot River


Kayaks on the Connetquot River
It's going to be a beautiful weekend. Why not do some kayaking, boating, or fishing?
There are many places where you can rent a canoe or kayak.
You can also charter a fishing boat.
It's time for the outdoor activities you love!
Check out the boating and fishing information for Long Island....
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You can click on all photos to enlarge.

Friday, May 19, 2006

Re: Has Long Island New York Lost It's Charm?

Dear fellow Long Islanders and friends,

Please accept my sincere apologies for any misinterpretation about our beautiful “paradise” not being a choice place to live. In fact, I moved back after being away (once for work, and once after marriage)

In my humble opinion, it IS among one of the BEST places to live and raise a family. Being a short distance from “The City” and from both boroughs, replete with a fascinating multitude of culture, heritage and history, we are the scenic and serene suburban relative just a short distance to the east.

What I “fear” is that while that we are slowly but surely losing our “favored” reputation. With “unjustified” outrageous home rates and the boroughs creeping into what used to be a suburban solitude replete with a culture and history of its own, what I see is a gradual loss or should I say relinquishment of our uniqueness and autonomy.

Nassau county has become ever more popular (to the masses) and cluttered with homes virtually on top of one another, many of which (due to time) are seriously suffering in their aesthetic appearance and appeal. Yet their value (at least monetarily) continues to increase, as do the taxes. And, while Suffolk can boast about slightly better rates, the difference is often “negligible” and new homes are barely affordable, especially by newlyweds and/or “young” couples and families.

My biggest point of contention however, which may have (also) been misunderstood or overlooked, deals with the increasing congestion and lack of maintenance. With multiple mega shopping centers, malls, etc, we are losing our suburban appeal. And, many of our more “historic” (and/or nostalgic” sites and building are falling apart and in dire need of refurbishment. Furthermore our streets, highways, roadways and parking lots are inundated with trash and lots of it. Garbage is everywhere and is polluting our scenery as well as our environment and our noted appeal.

Perhaps our neighbors to the north “do” face some monetary challenges, but the dollar is slowly, but surely catching up (as far as I know) and most of the folks I know made comparable salaries and “blue collar” or trade workers warranted a salary of $20-something to $30 something dollars an hour.

Homes, including new ones (while sorely lacking in property) were constructed of ALL stucco or brick exteriors and interiors featured top-of-the-line amenities mostly for under $800,000 and certainly under $1 million, which is becoming the norm for a “starter” home in need of some TLC here on Long Island. And, though that may be a bit of an exaggeration, it’s not by much.

Besides, as I mentioned, my greatest concern is the deterioration of our communities, and the inundation with graffiti and garbage and with the seemingly overwhelming “disrespect” for this (once) “elite” community.

I am one of Long Island’s biggest fans and would LOVE to see it prosper and grow and remain a main attraction for many (tourists, couples, and families alike). My plea is to come together to ensure that we do what we must to help preserve and improve it (including the quality and affordability of life).

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A Concern Resident and Long Island Native Mia Bolaris-Forget

Poison Ivy


Poison Ivy
Take a good look. Do you work in the garden?
Do you pull out the weeds and vines that grow on your property?
Well, poison ivy grows just about everywhere on Long Island. Contact with this plant can cause an itchy rash and for some people a few weeks of misery.
It can look different in different seasons and in different locations, so be alert to the changes.
Its appearance all depends on the age of the plant and the season.
The above photo is poison ivy in the spring with newly sprouted leaves.
It is always three leaves on one stem as you can see above.
Enjoy your gardening and watch for poison ivy!

Wednesday, May 17, 2006

Homeowners Insurance Action in Florida - Things to Come?

Aaron Stein, Long Island Insurance BY AARON STEIN

Today State Farm Insurance Company announced rate increase requests averaging over 70% in the state of Florida, with requests of over 200% in some areas! The bulk of this increase is likely to be approved according to National Underwriter, an industry magazine. Allstate has taken a different approach, arranging with several smaller insurance companies to take 200,000 of their customers off their hands for homeowners insurance.

As I have indicated in previous columns, there is no one solution to this issue and so creativity and innovation is called for.

Monday, May 15, 2006

Who Really Needs Flood Insurance on Long Island?

Aaron Stein, Long Island InsuranceBY AARON STEIN

There is a lot of concern today because of all the rain that is expected in the New England area, according to this morning’s NY Times (http://www.nytimes.com/). The market for Long Island homeowners insurance was already in panic mode because of the storms that are being predicted. Last fall we had all those rains which caused hydrostatic pressure to build up and filled thousands of Long Island basements with water, and much of that was not covered by EITHER flood insurance or homeowners insurance.

The question most folks have is ‘why?’ Why was that sort of water damage not covered? Isn’t that a flood, when your basement has 24 inches of water in it? The answer, at least for the purposes of the National Flood Insurance Program (NFIP) is that it’s not. For one thing, most of that water was ground water that seeped in through the foundation. For another, a lot of it happened a good distance from ‘the water’ as most people think of it, and so even in cases where it might have been covered, they were not carrying flood insurance. That may change soon as FEMA examines ways to increase participation in the National Flood Insurance Program.

So what IS a flood? Here is a basic definition from FEMA via their official flood insurance info site, http://www.floodsmart.gov-/
"A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's property) from:

• Overflow of inland or tidal waters; or

• Unusual and rapid accumulation or runoff of surface waters from any source; or Mudflow; or

• Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above."

So, in plain English, a flood is an excess of water (or mud) on land that's normally dry.
Floods often happen when bodies of water overflow or tides rise due to heavy rainfall or thawing snow.

But you don't have to live near water to be at risk of flooding. A flash flood, which can strike anywhere without warning, occurs when a large volume of rain falls within a short time.
More and more buildings, roads and parking lots are being built where forests and meadows used to be, which decreases the land's natural ability to absorb water. Coupled with changing weather patterns, this construction has made recent floods more severe and increased everyone's chance of being flooded.
For more info on flood insurance in New York visit the FEMA sight above or our site at http://www.floodinsuranceny.com/.

Beautiful Long Island

Beautiful Long Island
I hope that when you think of Long Island, you think of the beautiful parks, beaches, and wildlife.
Yes, we have shopping malls and traffic, but Long Island is so much more.
You owe it to yourself to investigate the possiblities.
Look at the sidebar on this website for links to the parks and recreational activities.
There is so much to do here on Long Island.
Take advantage of those opportunities!

Friday, May 12, 2006

A Simple Thank You

Mrs. Long IslandBY MRS. LONG ISLAND

I recently reached a milestone that made me a bit reflective and thankful to one of the people responsible for helping me get there.

Thank You...

  1. For growing up with me
  2. For being my friend
  3. For being there when I needed your help
  4. For being there when I needed your words of advice
  5. For being there when I needed you to listen
  6. For being there when I needed you to break my fall
  7. For being there when I needed you for nothing at all
  8. For making me laugh
  9. For making me cry
  10. For putting up with my attitudes, moods and my faults
  11. For accepting my decisions, opinions and choice
  12. For disagreeing but not raising your voice
  13. For giving me courage, wisdom and grace
  14. For remembering me in your hearts and your prayers
  15. For being so thoughtful over all these years
  16. For accepting my criticism, so harsh and unkind
  17. For accepting my apologizes, not often on time
  18. For sharing my joy
  19. For sharing my pain
  20. For offering your shoulder in my times of sorrow
  21. For all the things you give me
  22. For all the things I borrow
  23. For correcting me when I am wrong
  24. For accepting when I am right
  25. For listening to me
  26. For not listening to me
  27. For inspiring me
  28. For guiding me
  29. For opening my eyes
  30. For closing your own
  31. For keeping me company
  32. For leaving me in peace
  33. For letting me grow
  34. For letting me grow, at my own pace
  35. For being kind and unselfish
  36. For letting me shine
  37. For taking the time
  38. For sharing my life
  39. For loving me without question
  40. For making me a part of your life

Most of all thank you for being my mom!

Feel free to add a few of your own and send this to your Mom in honor of Mother's Day.

A voice from a Long Island Soldier in Iraq

Hello,

I am a Long Island soldier about to be stationed in Iraq. I wish not to be part of any peace protest if anything should happen to me. Do not represent me as an empty coffin or pair of boots. Do not use my photo or any thing related to me for any peace purposes.

My thinking is that of the horrible history of the American peace movement. After the civil war it was bring the troops out of the south. We had around 80 years of racist jim crow laws and violence. Vietnam and Korea were two of the three major engagements against communism. The first was in 1919 and 1920 when American troops were fighting against the Bolsheviks in Russia. Thanks to the peace movement American troops were brought home, communism flourished and around 100, 000 American were casualties in Korea and Vietnam that would not have happened if we had stayed in Russia.

During WWII the peace movement was against our involvement. Jews to the camps were a European problem. and bayoneted Chinese were an Asian problem.

The US military saves lives and frees countries, peace movement keeps dictators and hate groups in power by not doing anything. When was the last protest against North Korea tyrany ever held by the peace movement.

My home address:

Larry Klass
254 Locust Ave
Freeport NY 11520

Address in Iraq:

Larry Klass
773rd Transportation Company
APO AE 09334
yrral01@aol.com

Wednesday, May 10, 2006

Long Island Homeowners Insurance, the Saga Continues

Aaron Stein, Long Island InsuranceBY AARON STEIN

Having trouble finding New York or Long Island homeowners insurance these days? You're not alone. One of the insurance agents associations says they are aware of another major insurance company making plans to take some drastic actions on Long Island. On the other hand, efforts are being made to bring more companies into the area to help people get their cancelled insurance policies replaced. It almost has to be new companies who have not been here before in any major way, because that’s the only way to spread it out more.

Taking an active role in that effort and more has been New York State Insurance Commissioner Howard Mills. I’m not into politics, but this guy really seems to have a great depth of knowledge about what has to happen, and is working very hard on it. There is action in the State Legislature to address the problem of too many homeowners insurance policies being cancelled in one area. Meanwhile he is reaching out to other states to see if some carriers not currently writing New York homeowners insurance can be persuaded to join the fray.

I heard yesterday that he is planning some news conferences to encourage people, among other things, to buy flood insurance for their homes. Federal Flood Insurance covers different damage from homeowners insurance, but still is important to stabilizing the overall situation.

One of the problems happening in Mississippi and Louisiana right now is that people are suing the major homeowners insurance carriers to try to make them cover flood damage. Homeowners insurance clearly excludes flooding as defined by the standard flood insurance policy, specifically to make it clear that the two policies cover different things. But you can’t necessarily rely on a reasonable court finding when they perceive that the insurance companies have plenty of money and the poor people don’t have homes.

So homeowners insurance carriers on Long Island will feel more comfortable if more folks have flood insurance, even if they are not right on the water. The weather and disaster experts have said that if Katrina hit Long Island, water would reach Sunrise Highway. That covers an awful lot of homes that are not ‘on the water’.

More to come. In the meantime if you want more info on Long Island flood insurance you can visit the FEMA site for the National Flood Insurance Program at http://www.floodsmart.gov/ or our site at http://www.floodinsuranceny.com/.

I Love Long Island and Mommy

I Love Long Island, New York I Love Long Island and Mommy

The Official "I Love Long Island" online store features a full line of merchandise including t-shirts, sweats, hats, golf shirts, mugs, mousepads, magnets, bumper stickers and more.

The Long Island Kids' line is a modified version of our popular logo with a special message for Mom, Dad, Grandma or Grandpa. Kid's clothing includes bibs, onesies, toddler tees and children's sizes. Items make great gifts for Mom, Dad, Grandma, Grandpa and Moms-to-be.

While you are shopping, check out the 'That's too funny' section with items like "I live on Long Island and all I can afford is this t-shirt." A humourous spin life on LI for those of us who know what it is like to live here

Custom and bulk pricing is available. Items can be co-branded for corporate gifts, trade show promotions and employee incentive programs. Call 631-543-1000 x2 for more information.

Sunday, May 07, 2006

Boating Season Is Here!

Long Island Photos by Alida
Heading out to the Great South Bay
The sky is clear and the bay is calm. This boat is heading out for a day of fishing or a trip to Fire Island. Boating season is just beginning and the bay and weather are ready.
After the long cold winter, the captain and crew are ready too!
Click on the photo to enlarge

Saturday, May 06, 2006

Long Island Flood Insurance Facts and Myths

Aaron Stein, Long Island Insurance
BY AARON STEIN

This week we will take a little break from our discussion of the Long Island homeowners insurance crisis, and talk a bit about the other type of coverage that is very important if a hurricane hits Long Island, flood insurance. Standard insurance companies long ago decided that they could not provide coverage for flood because it is catastrophic in nature, in other words, it can cause large amounts of damage to large numbers of property all at once.

The big insurance carriers are not afraid of a fire, which might affect two or three homes, or a large building. But a flood that wipes out the entire South Shore of Long Island could put all the insurance companies out of business, as losses could easily reach hundreds of billions of dollars.

So about 40 years ago the Federal Emergency Management Agency (FEMA) was charged with designing a program for flood insurance. That was the beginning of the National Flood Insurance Program (NFIP). The idea was that loss payments would be guaranteed by the Federal flood insurance program but would be sold and serviced by both the NFIP itself and other insurance carriers who would be paid a fee for each policy they administer. Coverage is sold through local agents who choose to participate.

Communities were invited to join the NFIP flood insurance program in the late 1960's/early 1970's. As part of the requirements for joining, they had to agree to various changes in their building codes so that homes built after the date they came in to the program would be elevated beyond the 100 year flood plain level, meaning they would be much less likely to be damaged in a flood unless it was a really bad one. In return, those homes in flood hazard areas which are properly elevated get a much lower rate for their flood insurance.

All land areas are divided into flood insurance zones based on the ground elevation where they are. Naturally, the general tendency is that as you move away from the water, the hazard drops. However, it has been estimated by a number of experts that if a category 3 or better hurricane, such as Katrina, were to make a direct hit on Long Island, the water would reach Sunrise Highway in most areas, because the ground doesn't really start to rise until a few miles in.

The good news is that most homes more than a few blocks from the water are in what's called non-flood hazard areas, and flood insurance is pretty cheap for them. But near the water, and even moreso over on the barrier islands (where houses are not really damaged by floods as much as they are completely swept away) flood coverage can be fairly expensive. Our office writes a fair number of flood insurance policies for people on Gilgo Beach, Oak Beach, and Fire Island, and each one is individually rated by the flood insurance carriers based on location, elevation, and more.

Many people were required to buy flood insurance for the first time only in the past few years. As the mortgage refinancing and home equity loan boom happened over the past 5-7 years, with many homes being sold and many more seeing their equity taken out in the form of home equity loans and lines of credit, people learned something interesting about flood insurance. Since it's a federal government program, and the federal government also guarantees mortgages through the Federal National Mortgage Agency (FNMA or Fannie Mae) and GNMA (Ginny Mae), they also REQUIRE the purchase of federal flood insurance for homes in flood hazard areas. This puts more money into the National Flood Insurance Program through increased participation.

More to come in our next post.

Friday, May 05, 2006

Jimmy Buffet Concert at Nikon Jones Beach Theater

Linda writes, "You listed the Jimmy Buffet performance on July 1st as already SOLD OUT and your e-mail states “Tickets go on sale Saturday, May 6th” how could the show already be SOLD OUT????? Please let me know how we get a chance to buy tickets????"

Answer: Ahhhh, ancient chinese secret. Sign up for their Free newsletter at http://www.nikonjonesbeach.com
and you will get pre-sale alerts.

Long Island Parks and Recreation - Town Information

Michael writes, "I wanted to find out if there are any public pools in our area, and when they would be open. I have heard of one at Holtzville ecology site. I was unable to find this info. on your web page."

Answer: Holtsville is governed under the Town of Brookhaven. Check out their Web site or contact the department of Parks and recreation for more info at http://www.brookhaven.org/

For information about specific towns on Long Island, New York you can view a complete list of towns, villages, hamlets, cities etc. at http://www.longisland.com/towns.php

Wednesday, May 03, 2006

Nikon at Jones Beach Theater 2006 Concerts & Entertainment

Jones Beach Theater has a new name and a series of exciting live music and entertainment for 2006!

Nikon at Jones Beach Theater

NIKON AT JONES BEACH THEATER
Announces Summer 2006 Season Line Up

Nikon at Jones Beach Theater announces its summer 2006 music line up. One of the top ranked amphitheaters in the country, Nikon at Jones Beach Theater will play host this summer to such acts as Depeche Mode, Kelly Clarkson, Crosby, Stills, Nash & Young, Steely Dan, Rob Thomas and Jewel, and Jimmy Buffett & The Coral Reefer Band.

Tickets for all shows go on sale Saturday, May 6th at 9am. Tickets will be available at the Nikon at Jones Beach Theater Box Office, select Ticketmaster locations, charge-by phone at: 631-888-9000 or on the internet at http://www.livenation.com

There is a 6-ticket limit, 6-show limit per person on the first day of sale only. All tickets subject to applicable service charges.

The Current 2006 Concert Schedule is as follows:

DEPECHE MODE
Goldfrapp
Saturday, May 13 at 8PM
$85.00, $35.00
On Sale Now

STYX / FOREIGNER
Friday, May 26 at 7:30PM
$42.50, $20.00
On Sale Now!

THE NEW CARS
BLONDIE
Friday, June 9 at 7PM
$65.00, $45.00, $20.00
On Sale Now!

ROB THOMAS
JEWEL
Toby Lightman
Saturday, June 10 at 7PM
$65.00, $45.00, $20.00
On Sale Now!

NINE INCH NAILS
Bauhaus
Peaches
Friday, June 17 at 7PM
$49.50, $29.50
On Sale Now!

DEF LEPPARD / JOURNEY
Saturday, June 24 at 8PM
$95.00, $65.00, $35.00

THE ALLMAN BROTHERS BAND
The Derek Trucks Band
Tuesday, June 27 at 6:30PM
$65.00, $45.00, $20.00
**$5.00 off Mezz Tix Day of On Sale**

JIMMY BUFFETT & THE CORAL REEFER BAND
Saturday, July 1 at 8PM
SOLD OUT

KELLY CLARKSON
Rooney
Wednesday, July 12 at 7:30PM
$75.00, $49.50, $29.50

EARTH, WIND & FIRE
CHRIS BOTTI
Tuesday, July 18 at 8PM
$65.00, $40.00 & $20.00
**$5.00 off Mezz Tix Day of On Sale**

THE BLACK CROWES
Robert Randolph & The Family Band
Drive-By Truckers
Wednesday, July 19 at 6:30PM
$42.50, $22.50

KC’s Boogie Blast
The Ultimate Dance Party
KC & THE SUNSHINE BAND
Gloria Gaynor
Sister Sledge
Friday, July 21 at 8PM
$42.50, $32.50, $20.00
**$5.00 off PL3 Tix Day of On Sale**

FIONA APPLE
DAMIEN RICE
David Garza
Saturday, July 22 at 7:30PM
$49.50, $39.50, $20.00
**$5.00 off PL3 Tix Day of On Sale**

ASHLEE SIMPSON
Sunday, July 23 at 8PM
$39.50, $29.50, $20.00
**$5.00 off Mezz Tix Day of On Sale**

WALK FM Summer Concert
CHICAGO
HUEY LEWIS & THE NEWS
Friday, July 28 at 7:30PM
$86.00, $66.00, $36.00
**$5.00 off Mezz Tix Day of On Sale**

COUNTING CROWS
GOO GOO DOLLS
Thursday, August 3 at 7PM
$49.50, $29.50

MARC ANTHONY
Marco Antonio Solis
Laura Pausini
Saturday, August 5
On Sale Soon!

POISON
CINDERELLA
Endeverafter
Tuesday, August 8 at 7PM
$39.50, $20.00
**$5.00 off PL2 Tix Day of On Sale**

JOHN FOGERTY
WILLIE NELSON
Friday, August 11 at 7:30PM
$59.50, $35.00, $20.00
**$5.00 off Mezz Tix Day of On Sale**

O.A.R. (…of a revolution)
Jack’s Mannequin
Saturday, August 12 at 7PM
$35.00, $25.00
**$5.00 off Mezz Tix Day of On Sale**

STEELY DAN
Michael McDonald
Thursday, August 17 at 8PM
$95.00, $65.00, $35.00

311
The Wailers
Pepper
Saturday, August 19 at 7PM
$35.00, $20.00
**$5.00 off PL2 Tix Day of On Sale**

WKTU’S BEATSTOCK 2006
Sunday, August 20 at 6PM
$75.00, $52.50, $42.50, $20.00
**$5.00 off PL4 Tix Day of On Sale**

An Evening With
CROSBY, STILLS, NASH & YOUNG
Tuesday, August 22 at 7:30PM
$251.00, $126.00, $86.00, $46.00
On Sale Now!

By Overwhelming Demand, 2nd Show Added!
An Evening With
CROSBY, STILLS, NASH & YOUNG
Wednesday, August 23 at 7:30PM
$251.00, $126.00, $86.00, $46.00

The Family Values Tour Feat:
KORN
Deftones
Flyleaf
Stone Sour
Dir en grey
Saturday, September 2 at 3PM
$49.50, $9.99
On Sale Soon!

ROGER WATERS
Friday, September 15 at 8PM
On Sale Friday, May 19th at 10AM!

For more information about the Nikon at Jones Beach Theater’s 2006 schedule, check out the website at http://www.livenation.com or, call the concert hotline at 516-221-1000.

Doors open 90 minutes before show time for each concert, unless otherwise noted. All dates, acts, show times and ticket prices are subject to change without notice. All events are rain or shine.

Nikon at Jones Beach Theater is located within Jones Beach State Park in Wantagh, NY and is operated and produced by Live Nation.

For more information, please contact: ">Jaime Roberts - Live Nation
Phone Number : 917-421-5130

--------------

This news breaking release was brought to you by
Long Island FREE Press at LongIsland.com

Tuesday, May 02, 2006

Lilacs in Bloom


Lilacs at the
William Bayard Cuttings Arboretum, Oakdale.
The flowering trees are in bloom and the lilacs scent the air with a wonderful fragrance.
It's time to make a visit. Parking is $6.00 or free with the Empire State Parks Pass.
For more information about the arboretum......
..........Click here.
Long Island Photos by Alida

Has Long Island New York Lost It's Charm?

To Whom It May Concern,

I just returned from a trip up North and across the border where I use to live for a short while and upon returning, was almost sorry to return to my beloved home. In fact, the area I once boasted about and with so much history, character, charisma, and scenery has, and continues to become a place I am ambivalent, and somewhat “ashamed” to call my home.

Besides the ridiculously escalating and often unaffordable real estate rates and taxes, which may have been in the past justifiable, by the “elite” uniqueness our neighborhoods and communities had to offer, Long Island is growing less and less desirable to live on.

We are NOTHING more than an extension of the boroughs that define our “borders” and are quickly and surely becoming an urban, cluttered, and congested metropolis and an eyesore.

In as much as life up North was less convenient, with stores closing much sooner than our own, and retail prices significantly higher, overall, our northern neighbor has far surpassed us in creating communities that are conducive to “convenience” and family life.

Surely, they are lacking in the “small town” appeal, (such as full serve gas stations, hometown convenience stores, small town Main streets, and the ambiance of trees and nature that continue to endure along our highways and in our back yards) which indeed makes Long Island so unique, special and appealing.

What they “DO” have to offer however is a much more avant-garde Euro-centric style that resonates of class and elegance.

Most of their shopping arenas, mimic airport plaza in Farmingdale, but with a greater and more diverse host of stores allowing for “one-stop-shopping” in one immediate location. And, what is especially commendable is that not only does the architecture offer design and convenience, but that it is continually well maintained, with a minimum of garbage gracing the curbs and parking lot and with hired help to make sure it is properly conserved and up-kept.

Furthermore, ALL (or at least MOST) of their malls offer a regal atmosphere replete with marble columns, vespa-like courtyard eateries and cafes and even lush lounge areas for those wishing to take a rest.

Highways and parkways are NOT strewn with garbage nor deteriorating walls and partitions. And, most companies and corporate buildings offer a modern, up-to-date appeal (and lavish landscaping) that make them a pleasure to look at and perceptively organizations you’d want to work for.

Trash receptacles are current and contemporary and available on most street corners and along roadways and in each area/town, AND, are not overflowing with garbage. Also, each downtown area is amply decorated with delightful streetlamps, plants and hanging flowers, not to mention cobblestone paved sidewalks and walkways as well as manicured lawns and parks for local residents and their families. And, there’s a minimum, of vandalism and graffiti.

Homes, while definitely more city-like in structure and appeal, offer mush more contemporary construction, style and architecture.

Most homes are made of brick (especially newer ones) and are interiorly superior to many of those available here (for the same cost). In general, most feature spiral staircases, a galley kitchen, a sitting room, dining room area, granite or marble countertops, top-of-the-line appliances (stoves, dishwashers, refrigerators, etc.). Additionally, most consist of a half bath on the main floor and at least two others throughout the house. Plus, it’s quite common for homes to have a wine cellar in the basement, a separate laundry area, a master bath with a full ensuite, a guest room with a bathroom and two children’s rooms with a Jack and Jill washroom facility all for under $800,000. And, this is in some of the newly developed areas. Not to mention that communities are much more well maintained especially in as far as home and neighborhood aesthetics (ie: no garbage on sidewalks or streets) are concerned.

Convenience stores, such as 7-Elevens are PRISTINELY clean and ultramodern as are grocery stores, supermarkets, and even beverage and alcohol markets and stores.

Yet, they have very few neighborhoods with a multitude of trees, very few beaches (at least around the GTA, and a lot fewer scenic areas such as Long Beach, The Hamptons, etc.) While no doubt WE have more overall amenities and luxuries, what we have is not very well maintained, inviting or affordable, and is more of a distraction than an attraction.

In my opinion, the only (slight) progress that is (if you’re lucky enough to stumble across it) is the few senior/assisted living communities cropping up across The Island, as well as the foliage recently planted along the service road of the Long Island Expressway between exits 33 and 39 or 40.

Otherwise, our streets, highways, parkways, and shopping centers are progressively riffled with litter and deteriorating walls and foliage. Not to mention that there is NOTHING aesthetically appealing denoting and signifying the entrance onto Long Island from Brooklyn or Queens. In fact, we have become and extension these bordering boroughs, if not an extension of The Bronx just off the Major Deegan, Clearview and Cross Bronx. And, some areas are even putting our suburban communities to shame.

I can’t help but wonder where all our hard-earned tax dollars are being spent, if not to preserve what our parents, grandparents, and ancestors worked so hard to build and ensure, we, (along with our families), could benefit from and enjoy.

I staunchly believe that we need to bring back the “nostalgia” that Long Island is renowned for and take immediate initiative in improving upon it and making an affordable and desirable place to live…the way it once use to be. With that said, we ALL need to do our part, but we need to start with our local leaders, especially since they are in a position to demand and implement these necessary improvements and changes.

A Concerned Resident And Long Island Native Mia Bolaris-Forget