Quick Update on Long Island Flood Insurance

Summer is the season where everybody on Long Island has much better things to do than think about their insurance (as opposed to the rest of the year, when it's everybody's favorite pastime). But there is one item I wanted to post about since it may affect some of the readers.

FEMA, the government agency that oversees the National Flood Insurance Program, has been in the process of re-mapping Nassau and Suffolk counties, which is done about every 10 years. This is the first one for our area since Katrina so expect some changes.

The new maps take effect next summer. But in the meantime FEMA is hosting two meetings in Nassau County for anyone who might be interested in more information. The meetings will run from 4 to 8 p.m. and will be on September 9 at Valley Stream High School on Fletcher Blvd and September 10 at Long Beach Middle School on Lido Blvd.

According to the Newsday article, 28,000 more buildings will be brought into flood hazard areas next year when the new maps take effect, and of those, the people who have mortgages insured by FNMA and other government backed plans will get a letter advising that they are now required to buy flood insurance where they did not have to before.

In the meantime, people have an opportunity to be 'grandfathered' into the maps and plans that are in effect now. If you buy flood insurance before the change next summer, and your flood zone changes under the new maps to a higher rate, you will still be able to keep the previous zone. So if you think you might be on the border of a flood zone, and may be in a higher rate class next year, you might think of buying coverage now to lock in your current zone.

Summer on Long Island

Photo by Alida Thorpe

Summertime on Long Island is the time for:

beaches

sailing

boating

water skiing

jet skis

barbecues

sunning

outdoor concerts

reading

fishing...

the list is endless!

Check out the sidebar links for your favorite activity.

There is a place on Long Island for you this summer!

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Insurance Issues as we head into Hurricane Season 2008

Greetings all. have not posted in a while about the Long Island homeowners insurance market because it has been 'more of the same' for a while now. That's not to say the situation has gotten better, but change is what makes news, and there have not been many changes making their way to the public for a while.

It seems a little strange to be blogging about hurricane and flood catastrophes as I sit in my office and look out on to one of the most beautiful days we have had. Still, the 2008 hurricane season is underway, with Bertha chugging around the Atlantic as a reminder. Of course once again you can find experts who are saying that this season will be more active than normal, but those same experts have been saying that for several years and so far they have been wrong. I only wish I had a job like the weatherman, where I could be wrong half the time and still get paid.

There has been one interesting development recently that could make it easier to get homeowners or similar insurance down near the water. The New York Property Insurance Underwriting Association has been permanently authorized by the state legislature. This may not seem like much to the average person, but for years now, this New York State-backed insurer of last resort has had to be re-authorized every year, and has been held hostage by various groups within the legislature. They would only authorize the renewal if downstate legislators, who had to make sure this coverage was available to their constituents, would in turn vote for other things that they did not necessarily want. Ain't politics wonderful?

In any event, they have now been made permanent. In addition, they have been authorized to offer broader coverages, and incentives to partner with regular insurance companies who would then be able to write supplemental coverage known as 'wraparound' so that the two policies together will provide something closer to a homeowners policy. Naturally it will take some time to put this in place, but kudos to the state legislature for getting this done.

Meanwhile, on the flood insurance side, the re-mapping of Nassau and Suffolk Counties continues. Newsday had a big article this week on the changes that are being revealed now in Nassau. A lot of folks who were previously right on the edge of a 'special flood hazard area' as defined by FEMA and the National Flood Insurance Program may now find themselves drawn into the hazard area by the new maps, which use more accurate mapping techniques as well as information drawn from the government's experiences with Katrina and other flooding situations.

If you think you are close to a flood hazard area but not in one, you might want to think about buying flood insurance soon. If you are outside the zone, in what's called a 'preferred zone' and buy coverage at those low rates, then it changes, you are grandfathered in to the low rates for as long as you keep your home. The difference can be thousands of dollars. And if it turns out that you were NOT one of those now lumped in to the higher hazard area, you can always stop carrying the flood coverage in a year or two when we know more about the new maps.

As always, for more information you can contact us through our web site at www.NYInsuranceWithSerivice.com.

Things To Do on Long Island New York

Sundown Series: Summer Concerts and Family Fun


The following programs are being presented by The Parent Resource Center (PRC) of Port Washington on Tuesday nights and are geared toward kids and families. All proceeds generated by PRC hosted events are used to support the Parent Resource Center and its programs.

The Parent Resource Center is a non-profit cooperative dedicated to providing affordable, quality educational and social opportunities to all of our community’s families. Operating in an economically and culturally diverse area, PRC members celebrate their differences through the open exchange of ideas and experiences. At the same time, families come together at the PRC to share the joys and challenges of raising young children while their children play, experiment, and learn in a safe and nurturing environment.

The Parent Resource Center
232 Main Street, Suite 4
Port Washington, NY 11050
516-767-3808

Port Washington Parent Resource Center
Sundown Series: Port Washington Police and Fire Department/BBQ

Tuesday evening July 8, 2008 6:00-7:30pm

Meet our local firefighters and police officers. Climb aboard a real Fire Truck! Learn all about fire safety and wear a fire helmet. Bring a blanket and join us outside on the lawn at Landmark Park (across from the library). A BBQ dinner and other tasty treats will be available for purchase. Admission is $5 per person. Children under 1 year are free. No reservations or advanced ticket sales necessary. Please call the PRC office at 516-767-3808 for details.

Port Washington Parent Resource Center
Sundown Series: Jeff Sorg and his Songs Say So Much Band with tips for “living green”

Tuesday evening July 15, 2008 6:00-7:30pm

Dance and sing along with the music of this popular recording artist and Port resident. And pick up some tips for “living green”. Bring a blanket and join us outside on the lawn at Landmark Park (across from the library). Pizza, beverages, and other tasty treats will be available for purchase. Admission is $5 per person. Children under 1 year are free. No reservations or advanced ticket sales necessary. Please call the PRC office at 516-767-3808 for details.


Port Washington Parent Resource Center
Sundown Series: Miss Holli and Tommy with a Luau theme

Tuesday evening July 22, 2008 6:00-7:30pm

Kick up your heels and enjoy this fabulous duo’s fun interpretations of children’s classics! Our Luau theme will create a more festive evening so don’t forget to try some Hula-dancing lessons and the Limbo. Bring a blanket and your best dance moves to the Landmark Park (across from the library) for plenty of warm weather and musical fun! Pizza, beverages, and other tasty treats will be available for purchase. Admission is $5 per person. Children under 1 year are free. No reservations or advanced ticket sales necessary. Please call the PRC office at 516-767-3808 for details.


Port Washington Parent Resource Center
Sundown Series: Laugh and Sing with Bruce

Tuesday evening July 29, 2008 6:00-7:30pm

Sing along to original music and old time favorites with Bruce Katz of Little People Entertainment. This fun interactive show will let your children participate with props and musical instruments. So gather the kids, bring a blanket and join us outside on the lawn at Landmark Park (across from the library). Pizza, beverages, and other tasty treats will be available for purchase. Admission is $5 per person. Children under 1 year are free. No reservations or advanced ticket sales necessary. Please call the PRC office at 516-767-3808 for details.


Port Washington Parent Resource Center
Sundown Series: Lynda Quinn – DJ extraordinaire

Tuesday evening August 5, 2008 6:00-7:30pm

Turn the beat around! Join us as we reunite with the PRC’s favorite DJ, Lynda Quinn! She’ll be sure to have everyone up and dancing! So gather the kids, bring a blanket and join us outside on the lawn at Landmark Park (across from the library). Pizza, beverages, and other tasty treats will be available for purchase. Admission is $5 per person. Children under 1 year are free. No reservations or advanced ticket sales necessary. Please call the PRC office at 516-767-3808 for details.

The Parent Resource Center
232 Main Street, Suite 4
Port Washington, NY 11050
516-767-3808

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The PRC is a Parent CO-OP that offers members classes for pre-school aged children (with and without their parents), social gatherings and field trips for the whole family, workshops for parents, drop-in playtime (with parents) , drop-off baby-sitting and a myriad of resources for the whole family. For more information and upcoming programs, visit the website at www.parentresource.org

Memorial Day 2008

Photos courtesy of Alida Thorpe

Calverton National Cemetery

Calverton, Long Island

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For more information and directions: Click here.

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Old Westbury Gardens

Photos courtesy of Alida Thorpe

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Old Westbury Gardens

Old Westbury

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The wisteria are in bloom.

For directions and more information, visit:

www.oldwestburygardens.org

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NWPLI Exhibition at the Fire Island Lighthouse

Photo by Alida Thorpe

NWPLI 

(Nature and Wildlife Photographers of Long Island) 

Spring Exhibition at the Fire Island Lighthouse

April 19 - May 10, 2008

The Spring 2008 NWPLI Exhibit opens this Saturday, April 19th. 

There will be an opening reception party from 5-8 PM at the Lighthouse. 

Parking is at Robert Moses Field #5 (east end) 

and a shuttle bus will be available for the duration of the party.

If the weather is nice, you can walk on the boardwalk to the lighthouse. 

Handicapped parking is available at the base of the Lighthouse and a ramp leads from the unpaved lot to a side entrance of the Lighthouse. 

Free admission to the exhibit. 

Weather-permitting, tower tours may be available for a small fee.

Please join NWPLI to celebrate the opening of the show. 

If you cannot join us for the opening, 

the show remains at the Lighthouse until Saturday, May 10th.

It is available during the regular Lighthouse hours, generally 9:30-4:00.

We hope you can come and see some of the beautiful nature photography presented by NWPLI.

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Growing Demand of Families Struggling on Long Island, New York

Dear Friend,

Newsday's recent cover story, "Look Who Needs Help Now," may seem like an eye-opener, but sadly it is a situation with which we at Island Harvest are all too familiar.

With the cost of such essentials as home heating oil up 50%, gasoline up 21%, food staples up 18 - 22%, unrelenting taxes, and increasing mortgage payments - we find ourselves in a crisis that is compelling solidly middle class Long Islanders to turn to food pantries and other local charities for assistance with the basics.

We hear the stories every day - and have been hearing them for a while about the struggle working people must face to provide their families with nutritious meals to make it through a day. Demand for turkeys by our network of member soup kitchens, food pantries, and other agencies reached 22,000 last holiday season - a shocking 42% increase over the prior year.

As Long Island's largest hunger relief organization, we are supplementing over 5 million meals each year - yet it is still not enough to meet the growing demand of those struggling to make ends meet.

We continue to work hard to find creative ways to fill in the ever growing gap between the supply of donated food and demand for it - including securing commitments from new businesses and trucking in more food to Long Island from other parts of the country.

Your help is needed to address this not always visible, but serious and growing situation. You can help by making a contribution, volunteering, donating food, organizing a food drive, or getting your company or school involved with us. Our Web site offers many great suggestions on how you can get involved in the fight against hunger and food waste - and lend a hand to our neighbors in need.

Or if you want to talk to a person, you can call us at 516-294-8528.

Thank you for your concern and continued support as we work together in ending hunger and reducing food waste on Long Island.

Sincerely,
Randi Shubin Dresner
President and CEO


Island Harvest
199 Second Street
Mineola, N.Y. 11501 USA
516-294-8528

Island Harvest is a non-profit organization the bridge between those who have surplus food and those who need it. Our staff and volunteers “rescue,” or “collect,” good surplus food from over 600 retailers and wholesalers. Then, they deliver it, free of charge, to our network of 440+ soup kitchens, food pantries, shelters, Head Start programs, senior and community centers, and other places where those who need it can get it, all across Long Island, New York.

There are so many ways you can get involved with Island Harvest, from making a contribution or making a long-term investment by leaving Island Harvest in your will, becoming a volunteer, conducting a food drive or becoming a sponsor. For more information call 516-294-8528 or visit the website at www.islandharvest.org

Flood and Wind Insurance Reform in Congress

By Aaron J. Stein
The National Flood Insurance program, administered through FEMA which is in turn part of the Department of Homeland Security, is currently how the vast majority of Long Islanders and people all around the country buy their flood insurance when needed. The idea of the program was that because flood is catastrophic in nature, meaning that it can affect large numbers of people at the same time, that only the taxing power of the federal government was enough to make sure that when the time came to pay huge claims, the money would be there.

The problem is that the rates being charged in the program are not nearly enough to pay the claims, so additional monies have had to be put in over the years by Congress, and those funds basically come out of taxes paid be everybody, not just those in the flood hazard areas. There are some social arguments back and forth about whether that's right or wrong, but after Katrina, it was decided that the program needed to be revised to be 'actuarially sound', meaning that it would collect enough premium dollars to pay the claims, without resorting to general tax revenues or other bailouts. The difference is many billions of dollars, and the answer they have come up with is to include more people in the flood hazard areas and also to increase rates.

But since a couple of the people whose homes were destroyed in Katrina happened to be influential members of Congress, they are not looking to stop there. In trying to judge who was responsible to pay the claims of Katrina, there was a lot of finger-pointing on the part of insurance companies who denied some claims that they felt should have been paid under flood coverage. However since many of the affected residents had been told that the work of the Army Corps of Engineers, in building the levee system, would protect them from flood, they did not carry flood insurance and so were left with no way to rebuild.

What is being proposed is to move windstorm coverage from the private homeowners insurance industry to the government-backed flood insurance program, and price it accordingly. Interestingly, this has the insurance industry up in arms. Although as we know here on Long Island, and particularly as you get farther out on the South Shore of Suffolk County, many insurance companies are shying away from providing policies at all because of the windstorm exposure.

Now this sets up an interesting position for the insurance carriers. On the one hand, they are arguing that wind insurance should NOT be taken out of their hands and put into the Government hands. In general, a founding principle of our country was private ownership, and that the Government should not set itself up as a competitor to private industry. But there are many cases (Medicare, Workers Comp...) where private industry was not up to the task and the government stepped in.

To me, it seems simple enough - if covering losses for hurricanes is a money-losing proposition for insurance companies (which one would have to think it must be if they won't write more coverage) then why would they care if the government took it over? And virtually any argument that could be made for or against the government covering windstorm could be easily turned into the same argument for flood insurance. So which is it? The coverage is too risky and they don't want it, or it's profitable and should be left in private hands? The answers being given by the industry suggest they are trying to play both sides of the fence.

As for me as an agent, I have to say it doesn't really matter. I sell both the government flood insurance as well as home insurance for all kinds of waterfront property. Our job is to deliver, explain, and service the product. So I have no great stake in the outcome here, but I know a snow job when I see one.

Walking the Boardwalk, Sunken Meadow

Photos by Alida Thorpe

I went for a walk today on the Sunken Meadow boardwalk.

It was really pleasant and fortunately, not very cold.

I thought it was too cool today for a beach walk but the North Shore was protected from the wind and the warming sunshine was a welcomed addition.

It was a wonderful walk and a wonderful sunny day.

Can spring be close behind?

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Big Changes in Long Island Flood Insurance

By Aaron J. Stein

Hello all, and please accept my apologies for not having written a blog entry in quite some time. But this morning's Newsday article regarding flood insurance had something in it that got me so frustrated that I had to write.

The article is about the re-mapping of flood zones on Long Island by the FEMA, the government agency in charge of the national flood insurance program. They are using new equipment and techniques to reevaluate all the flood maps which may or may not result in people now being required by their bank or mortgage company to carry flood insurance where they may not have been required before.

FEMA is suggesting that some who live near a flood zone are currently outside of it might want to think about purchasing flood insurance now because the price may change dramatically if they are included in a flood zone after the new maps are issued. For instance right now someone who is not in a flood hazard area here on Long Island would pay under $400 for the maximum flood insurance available from the government. If your house is deemed to be in a flood hazard area when the new maps are complete your rate could easily be four to five times higher.

Under FEMA rules, if you have a flood insurance in place and your zone changes you grandfathered in to the old zone for as long as you keep your insurance in force. So if you live close to a flood zone but outside it you might want to think about buying one of the inexpensive policies now. If you end up in a flood zone and your bank requires the coverage, you will be locked into the lower rate. If you remain outside of flood zone under the new maps, you could cancel the policy after a year if you wish. (FEMA will not allow a policy to be canceled in the middle of the year unless you sell your home)

My problem is that in the article there is a quote from County Executive Steve Levy saying that homeowners should be allowed to make their own decision on whether to carry flood insurance or not, as opposed to having that decision made for them by FEMA or their bank. The fact is that we hear every day from people who are only buying flood insurance because their bank is forcing them because of government regulations. They feel that the fact that they've never seen a flood in their home means they will never be flooded. Unfortunately this is not the case and we only need to look at the ongoing problems resulting from hurricane Katrina to see that.

In addition, the idea coming from the County Executive that people should be able to choose which government programs and mandates they participate in and which they choose not to is absurd. If that were the case most people on the South Shore would probably still have cesspools in their backyards except that the government mandated participation in the Southwest Sewer District in order to protect our drinking water in the long run. The same logic is behind a part of our sales tax collections which go to fund open space purchases.

And how about school taxes? I have no children in school anymore. Can I opt out of school taxes because I no longer see the direct benefit to me? I found this to be a very irresponsible statement by the County Executive and contrary to the whole reason for the existence of virtually every government program. It's fine to be a fiscal conservative with the general opinion that government should take the least role possible in people's day-to-day lives. However say that these decisions should all be left to the individual homeowner and rely on them to make the best decision for everybody for the long-term simply does not work and is not valid.

Old Bethpage Village, Long Island

The Powell Farm

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Colonial American Details

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In the heart of the hamlet of Bethpage is Old Bethpage Village Restoration.

Bethpage is in the town of Oyster Bay, in Nassau County.

The Village Restoration is just one reason for people of Bethpage to be proud of the community in which they live.
Old Bethpage Village recreates the times of pre-Civil War Long Island and shows the agricultural and commercial, as well as the domestic lifestyle of the era.

It illustrates the crafts and skills of the time. The homes are filled with antiques and there are gardens and fields. The general store sells old fashioned root-beer and pretzels.

There are live demonstrations of hat making, spinning, weaving and blacksmith crafts.

There is always something new; the village is in a constant state of restoration.

There are more than 55 historic buildings on 200 acres, all original structures.

It gives the town of Bethpage a sense of history and makes people proud to live here.

Buildings were saved from demolition, from all over Long Island, and moved to this site.

Shops are set up and there is a school house with working fireplace and a period costumed teacher. In fact, all of the volunteer and working town’s people are dressed in period costume.

The Powell Farm is original to the site and is complete with pigs, cows and turkey.

This entire area was originally part of the Powell Farm and historical records tell us that Thomas Powell, a devout Quaker, bought the land in 1695 from the Massapequa, Secatog and Matinecock people.

The Old Bethpage Village Restoration is the center of community activity.

Special events are planned each month. There is sheep shearing in May and Autumn Harvest-time in October and there are various other activities throughout the year.
It is a wonderful historic destination and can be part of family life for those living near the village especially if the family interests involve historical America.

Old Bethpage Village also runs school group tours to enrich the culture of Long Island.
This is just one reason to drive out and visit Old Bethpage!
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Directions from the Southern State Parkway:
Southern State Parkway to Exit 28A Seaford Oyster Bay Expressway (NY135) North. Seaford Oyster Bay Expressway to Old Country Road East exit 10. Right turn onto Old Country Road Eastbound to Round Swamp Road. Right onto Round Swamp Road and village entrance will be on your left.

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Photos and text by Alida Thorpe

Winter on Long Island

photos by Alida Thorpe

Winter on Long Island holds many surprises.

The weather is cold but not for long periods of time.

Surrounded by water, the winters are relatively mild.

I hope you are enjoying your Long Island winter!

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Lost and Found Items on the Long Island Railroad

Tom writes, "I lost my camera 12-15-07 on train to Mineola. Does the LIRR have a lost and found department?"

Yes, the MTA Long Island Rail Road has a Lost and Found department open M–F, 7:20AM – 7:20PM and Weekends, 7:20AM - 3:10PM. You may be able to get specific information about a recently lost item by calling 212-643-5228. They should be able to direct you to the main storage area for lost and found items, or direct you to a local facility based on the train line.

Hopefully a conductor or a commuter turned in your lost item. If you find something on the LIRR it is always a good idea to bring it to the attention of a conductor. In light of our National security issues, the public is urged to keep their eyes open and to report suspicious packages.

North Fork Vineyards in Winter

Photo by Alida Thorpe

The North Fork vineyards no longer have grapes to harvest. After all, it is winter.

They are busy for the holidays, offering special sales and wine-tastings for shoppers.

And as many farmers know, winter is the time to prepare for spring.

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Major Changes Ahead for the Insurance Industry?

BY AARON STEIN

Welcome back. I hope everyone had a great Thanksgiving. This post will not be about the New York auto or home insurance coverage that we usually cover. This time I will be highlighting some larger trends that in some cases have already come to affect other industries but may now be coming to an insurance policy near you.

One such new area is that the 'capital markets' are starting to make eyes at the insurance industry. When I say capital markets, I'm talking about monies raised by the giant investment firms like Merrill Lynch or Goldman Sachs. Up until now, insurance companies raised the money needed to back their insurance products by selling stock, and collecting premiums and investing them. But now these super-sized financial companies have become experts at raising literally billions of dollars quite quickly and efficiently, in their constant efforts to find investments to sell to their clients.

Traditionally, these financial companies would raise money for other companies by underwriting offers of their stocks and bonds. So if General Motors wanted to raise a billion dollars to invest in a new vehicle product line, for example, they could have Merrill agree to make good faith efforts to sell enough shares of GM stock (remember that stock represents an ownership interest) or GM could offer corporate bonds (debt that has to be repaid, but does not give up any ownership) for a similar amount. They would have to weigh the plusses and minuses of each.

Now, however, with the advent of things like hedge funds, and giant pension funds and even major individual investors looking to put their money to work, enough capital can be raised to start whole new companies and industries. The capital markets were a major force behind the growth of sub-prime mortgages over the past several years, as investors chased higher yields which could only be had by coming up with the many strange variations of mortgages, and in many cases giving them to people who, it turns out, couldn't afford them and are now facing serious financial problems.

These companies could end up having a huge impact on major insurance coverages such as catastrophe insurance. For instance, billions could be quickly raised to offer reinsurance (the kind of insurance that insurance companies buy for themselves against major events like hurricanes) except that instead of insurance companies buying their reinsurance from traditional markets like Lloyds, or SwissRe, they might look for better deals from the capital markets.

Competition is generally good in that it reduces costs. For instance, it would help us here on Long Island right now if insurance carriers could lower their cost of reinsurance for windstorms and hurricanes. That's what is causing all the disruption in the insurance market for waterfront homes these days. On the other hand, the capital market's tendency to use overly aggressive sales pitches, and only shoot for short term profit as opposed to long term viability, can make for quite a mess. Right now we are going through a mortgage and real estate crisis that was made much worse by predatory lending practices and speculation, fostered by these 'capital markets' chasing down an extra per cent or two of interest on their money through sub-prime mortgages.

The one thing about insurance that is different from almost any other kind of product, is that you can have catastrophic, once-in-a-lifetime events like Katrina or the four hurricanes in 3 weeks that hit Florida a couple of years back. These require careful long-term planning and an industry with plenty of real money behind it. I'm not sure I want to see insurance get the same kind of treatment as the mortgage industry has gotten this year as a result of reckless short term practices over the past couple of years.

Next up, will the next Presidential election bring a total change to our health insurance system? As always, you can contact us through our web site at http://www.nyinsurancewithservice.com/

Autumn on Long Island

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Photo: Alida Thorpe

The fall is here, with Thanksgiving Day just a week away.

I hope you are enjoying the beautiful colors of our "Island"

...and that you find many reasons to be thankful!

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Here’s To The New Gym. Same As The Old Gym

By Michael Watt

When I joined yet another gym earlier this month, the thought occurred to me that I have more former gym memberships (seven) than I do former girlfriends (six – give or take a second date or two).

Make of that what you will, but I hope this gym relationship lasts a good, long time – because joining a gym can be even more awkward and uncomfortable than dating.

Take that first day at the gym, for instance. Just like a first date, you don’t really know what to expect. Will you be welcomed? How long will it take you to feel comfortable? This assumes, of course, that at some point you get to feel comfortable. This is not always the case, as gym veterans know. In the early 1980s, for instance, I joined a gym in Massapequa with my friend John. It was inhabited mostly by muscleheads and the like. John was about an inch shorter than me but a lot stronger and so he fit right in. The bulk of my exercise, on the other hand, was moving that little spike way up on the stack of weights to significantly reduce the burden I had to pull up, press down or push away. I swear I could hear the whole place silently snicker as I did so.

Did not belong to that place for long.

A couple of years later I noticed there was a ring around my waist that had never been there before. Apparently the kid who could wash down a pizza with a Fribble and experience no discernible weight gain was now the adult who did not ride his bicycle everywhere he went as he did in high school or traverse the hills posing as streets in Scranton as he did in college. I decided to explore the possibility of joining a gym again and paid a visit to the place that is across the street from the Sunrise Mall. My plan was to “check things out.” Silly me. Once I walked through that front door I might as well have had a sign on my forehead that read, “Gullible and Vulnerable – take your pick.” They assigned me to a gym bunny “to help with any questions I might have about the facilities.” During our “conversation” she took out a caliper to measure the aforementioned “ring” around my waist. She said if she could “clip” more than an inch then I had better get involved in an exercise program Post Haste. So what happens? She grabbed at least an inch of waist with the caliper – who didn’t see that coming? I was so mortified I would have signed up for a tour of duty in Iraq if doing so meant I would never again have to experience an attractive young lady measuring my fat content.

Lasted there about a year.

Soon after I left I joined a gym in Wantagh with my friend Jack, mostly to play racquetball. Well, to be more precise, mostly to lose to Jack in racquetball. Great workout, though.

Then I got married. Like most new grooms I saw little reason to exercise on a regular basis once I tied the knot. Before I knew it I was several years removed from the gym scene while knocking off a pint of Ben & Jerry’s before bedtime on a regular basis. Not good.

In the early 1990s I was living in Farmingdale and working in Valley Stream so I joined a gym in Rockville Centre. A lot had changed in the gym world in my absence, however. They had these new things called spin classes and aerobics. I found it all so intimidating I opted instead to go jogging through the streets of Rockville Centre. After a while I realized that I could just as easily run through the streets of Farmingdale without having to part with that monthly gym stipend.

I like to jog because a) I get a lot of fresh air that way and b) it does not cost anything. This plan worked through 1998. I even participated in two NYC Marathons. Then I had to have knee surgery – minor enough that I did not miss any work but major enough that I have not run since. With my 20-year college reunion coming up in 2001, however, I decided to re-visit the gym world, just in case any of my former classmates came to the reunion armed with calipers.

I am on my third gym since then. I suppose I am still searching for a gym with a comfort level, although I am not sure what that would entail. I hope this gym works out, though (wow – that pun just spilled out). Just as I don’t need any more former girlfriends, I don’t need any former gym memberships, either.

Thank you for reading this column.

photo: Alida Thorpe

The pumkins are ready!

East End of Long Island

What are you waiting for?

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Long Island Home Insurance in the News

BY AARON STEIN

It's been an interesting Summer in the homeowners insurance business here on Long Island, but it all seemed to come to a head a couple of weeks ago when Newsday started their series about Allstate and Liberty Mutual causing some trouble by non-renewing some people because they did not carry their car insurance with them along with their house insurance.

Regular readers of this blog have known about that for some time. In fact, everybody involved, including the New York State Insurance Department, agrees that Allstate even went so far as to discuss their plans with the previous administration of the Insurance Department even though they did not think it was required, and the plans were approved. (Author's note - apparently the State Insurance Department actually reads this blog, and I had a call from them today. It is their position that Allstate did NOT receive any kind of formal approval from the prior administration at the Insurance Department for their actions) Liberty Mutual had the same opinion that approval was not required, and so did not ask.

I am certainly the last person to be an advocate on behalf of Allstate, who has always been one of our biggest competitors in the home and auto insurance market here on Long Island. But this situation points up several issues that, while seeming to help on the surface, may not be good for the overall marketplace in the longer term.

For one thing, there are several major carriers (GEICO, Progressive, AIG, Unitrin Direct, and others) who are ONLY writing auto insurance, which is currently more profitable for them and carries virtually NO catastrophe risk exposure from hurricanes and other major weather events. Yes there may occasionally be a bad car accident that costs an insurance company several million dollars, but that pales in comparison with $65 Billion of insured losses from Katrina, which was estimated to wipe out all insurance company profits in that area from the last 20 years. Why isn't the State Insurance Deparment insisting that these carriers participate in the property market some way, whether by writing propery insurance or by putting contributions in a pool to back up those companies who do?

Next problem. Allstate had gotten this approved by the State Insurance Department before they started. Now they are being told that this doesn't count. One of the advantages companies always felt they had here in New York was that, even though we are a lawsuit and claim-happy bunch here in the New York area and on Long Island in particular, at least our insurance department was known for being firm and consistent, so that decisions could be made based on what they were told by the regulators. Now the insurance department is saying that's no longer the case, they can tell you one thing and change it completely a short while later. Lack of consistency is very dangerous in terms of encouraging new companies to come in to our market.

The third issue here is the government telling a private company in an open market place who they can and can not take or cancel as clients. I know this is no consolation if you are one of the people cancelled by Allstate, Liberty Mutual, State Farm or one of the many other carriers who are taking these actions. But our economy is based on capitalism, a free market, and supply and demand for the product involved. It may indeed be the place of government to step in and say that a company can't discriminate based on things like race, national origin, or other criteria that can be broadly grouped under the heading of 'prejudice'. But to start telling companies who they must insure based on what can be considered legitimate business criteria (such as not buying more coverage from them) is a very dangerous step in the wrong direction.

The fact is that you do not have a constitutional right to be offered an inexpensive homeowners insurance policy regardless of how exposed your home is to windstorms, or if it's in an earthquake zone, or next to a brush area that has major fires each time there is a thunderstorm, or any other criteria that can be shown to increase your risk of loss. You have the right to sell your house and purchase one somewhere else, or to shop around for the best price you can get for the coverage you want from companies who, based on our highly competitive free market, are willing to sell the coverage.

The FEMA Flood Insurance Program, available throughought Long Island and all over the country, is a good example of the opposite of what is being done here in the homeowners insurance market. FEMA has to take all people who apply and qualify. The government sets the rates and is considered the only entity large enough to insure the kind of catastrophe risk represented by flooding, which can affect thousands of people at the same time (as opposed to a fire or car accident, which might affect more than one person or property, but not likely a whole town or city)

But the FEMA program is way past bankrupt, and politicians who represent areas that do not get floods are sick of their constituents' tax dollars being diverted to pay for losses to homes in flood prone areas that get damaged again and again.

I don't claim to have the solutions here, but this is a complicated issue that should not be played out in news headlines about the big bad insurance companies picking on the masses without cause.

As always, for more information, visit our web sites at http://www.nyinsurancewithservice.com/ and http://www.floodinsuranceny.com/.

Upcoming Photography Exhibit

Photo: Alida Thorpe

Do you love nature photography? Well, if you do, don’t miss this show!

The NWPLI (Nature and Wildlife Photographers of Long Island) will have its second annual Autumn Exhibition beginning September 22th through December 9th.
It is being held at the Castello di Borghese Winery in Cutchogue.
The exhibit will showcase the group’s best work in nature, wildlife and landscape photography.

NWPLI has been awarded numerous honors for its work, most recently winning the 2006 Nature’s Best Photography International Awards (Camera Club Category) sponsored by Nature’s Best Photography Magazine.
Visit the group's website: http://www.nwpli.com

The photography on display will include natural subjects that have been captured with digital and film cameras. Photos are from Long Island's own natural surroundings.
Some selected images will also be available for purchase.

A Preview Show will open on Saturday, September 15, 2007

The full exhibition will begin on Sunday, November 4, 2007 at 11:00 AM, with both NWPLI Board Members and photographers on hand to discuss their work and the group’s mission.
The exhibition is scheduled to end on December 9, 2007.

For directions to Castello di Borghese…Click Here!

For additional information, contact Lou Buonomo at lou@nwpli.com

I hope you have the opportunity to stop by the exhibit on your yearly autumn visit to the wineries and to the pumpkin farms!
It’s nature photography at its best!
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Elizabeth A. Morton National Wildlife Refuge, Sag Harbor

Photo: Alida Thorpe

You can have the chickadee eating out of your hand! Literally!

At the Elizabeth A. Morton Wildlife Refuge in Sag Harbor, the chickadee will eat sunflower seeds right out of your hand.

There are hiking trails and a beach on the Peconic Bay, and many beautiful birds.

Now, I don't want all of you rushing over there to scare the poor little birds away!

Be respectful of nature. Stand quietly with hand extended. Quietly!

The chickadee are as light as a feather.

Try not to move!

There are some other rules that you should follow when observing nature on Long Island or elsewhere.

"Don't take anything but photographs and don't leave anything but footprints!"

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It’s Takes A Labor Day of Love to Fully Appreciate the Summer

By Michael Watt

Is there a more melancholy holiday than the Labor Day Weekend?

Think about it. Nobody even tries to guilt us into not enjoying ourselves by reminding everybody that the day was originally created to give American laborers a much-needed day off. To many of us Labor Day simply serves as the unofficial, summer-ending bookend to the unofficial, summer-starting Memorial Day weekend. To the thousands of schoolteachers living throughout Long Island it denotes the end of the party, the extended-summer-vacation equivalent of somebody turning the lights up and the stereo off as a signal for everyone to go home – or, in this case, back to work. After having ten-plus weeks with no alarm clocks ringing, that must be one nasty transition.

The Labor Day weekend also serves as a good time to assess one’s summer. I like to look back and ask myself if I accomplished all that I set out to accomplish way back in May. Of course I never do. I’m 47 and I have no recollection whatsoever of ever experiencing a summer where I felt I made the best possible use of my time. This summer, for instance, I spent zero hours with my family at the beach. Not one second frolicking in the sand and pretending to go into the ocean. Shame on me for that. I plead baseballus parentus, but still. What’s the point of living on Long Island if you don’t take advantage of all it has to offer? One little barbecue on the sandy shores of Robert Moses? Is that asking too much?

In the meanwhile, thanks to endless hours on the ball field wearing shorts and a t-shirt I find myself sporting a baseball tan – bronzed lower legs, wrists, neck and face. My chest and belly, however, are whiter than a Love Child produced by Gwen Stefani and Edgar Winter would look should such a human being ever come into existence. I should also point out that because I wore sandals whenever possible this summer I have tan lines that make my feet look like I’m wearing white buck shoes even when I am barefoot.

It was a strange summer, too, in the sense that it never really seemed to get off the ground. I blame the lackluster Fourth of July, and I blame the lackluster on the fact that the Fourth of July took place on a Wednesday. We didn’t get that extended Fourth of July break and, as a result, I never got into a summer groove.

The Yankees never really seemed to get going, either - this past week's sweep of the Red Sox notwithstanding. No long winning streaks, no running away with the pennant. They didn’t completely stink, either, as they have in other summers. Nineteen ninety, for instance, was horrific – one loss after another. If it hadn’t been for the birth of my son Alex that year the summer would have been a total loss.

It’s funny how you remember different summers, and how some summers are more memorable than others.

Since 1999 my summers have been dominated by baseball – Little League baseball initially and now travel team ball. I would not have it any other way, with the possible exception of working in a little more beach time, anyway. The summer of 2007 will be remembered by me as the summer of the weddings: my niece Nadya’s and my sister Ann’s. I have written quite enough about them of late, thank you very much, but it is funny how you spend the days counting down to an event and then the next thing you know nearly a month has gone by since the event took place.

It’s also interesting how certain songs instantly remind you of summers past. Every time I hear any of the following songs my mind is instantly transformed to good times celebrating sand, surf and sunshine: “Heatwave” - Martha Reeves & The Vandellas; “Summer Wind” – Frank Sinatra; “The Girls on The Beach” and/or “The Warmth of the Sun” by The Beach Boys; anything by The Beach Boys, really, and of course, the ultimate summer song, “Summer In The City” - The Lovin' Spoonful.

Which brings us back to Labor Day. I started the column with the notion that it is a melancholy weekend. But there is something pleasant about it, too. Donning a sweatshirt and watching the sun go down on Sunday night is something special. You feel the chill of the autumn onset and you know it is time to get back to work, time for the third act of the calendar year. Ideally you get a chance to play Sinatra’s “Summer Wind” a few hundred times, fire up a stogie, draw yourself a Scotch on the rocks and then reflect back on what was and what should have been. Then you wash the sand off your feet for the last time this year and head back to the house, knowing that the alarm is going to go off the next morning and its back to the grind.

Oh well.

Thank you for reading this column.

Living The Scooter Life

By Michael Watt

If I could figure out a way to do it, I would walk around with the number 10 sewn onto my shirtsleeves, at least for the rest of the baseball season. That’s how upset I was last week to learn of the passing of Phil Rizzuto, even though his demise was not unexpected. (Does anybody else find it weird that Phil died on the same day – albeit 12 years later – that Mickey Mantle died, and just three days before the anniversaries of the deaths of Elvis and Babe Ruth? It’s just weird is all I am saying.)

Forget about Rizzuto the baseball player, or even Rizzuto the announcer. How about Rizzuto the living representation of how much we should enjoy life?

Even as a kid growing up watching Yankee games on TV and listening to them on the radio (back then announcers did double duty, rotating between radio and television duties), I marveled at the good fortune this man enjoyed. He grew up in Brooklyn and despite his diminutive size played on a string of championship Yankee teams the likes of which may never be seen again. Once his playing days were over – and he was rather unceremoniously dismissed from the team’s roster – he just moved upstairs to the broadcast booth and plied his art there for another 40 years. Forty years!

His success on the field was all the more remarkable because of his size. His “success” – some people would argue that he was a terrible announcer – in the booth was even more amazing because his initial two broadcast partners, Red Barber and Mel Allen, were living legends themselves and non-athletes who resented his lack of formal training and announcing skills. Yet Phil persevered and, as a result, never had to lift anything heavy for the rest of his life.

The man played the game his entire career with a piece of chewing gum on top of his hat for good luck! Can you imagine any of today’s self-important, image-is-everything athletes running around with gum on his hat? Not going to happen – unless, of course, a chewing gum company paid a small fortune for the exposure.

Then there were the games he broadcast. As I mentioned earlier, like many New Yorkers I grew up listening and watching the “Scooter” do his thing during Yankee broadcasts. His voice and persona are as integral a part of the soundtrack of my youth as my grandfather’s – and that’s saying something. Both had a certain way of talking that just could not help but entertain, and both lived and loved to tell a story.

On the night of his death my family and I were watching the Yankees being pasted by the Baltimore Orioles. It occurred to me that I had a copy of a televised Yankee game I recorded – WITHOUT expressed, written consent from Major League Baseball, I might add - in 1996. I had taped the game because my son Alex and I had tickets to it and the tickets were right along the leftfield foul line. I wanted to preserve the game for posterity just in case the camera caught us in the crowd (it did – for a fleeting second or two). Of course I forgot all about it until last week.

I dug out the tape, popped it into the VCR (yes, we still have an operating VCR hooked up in our house) and relished the dulcet sounds of Mr. Rizzuto wishing half the world a happy birthday and thanking the other half for sending fresh pastries. He bantered with his broadcast partner, former Yankee Rick Cerone, about this and that and, oh yeah, occasionally noticed that there was a baseball game going on. His storytelling meanderings notwithstanding, Phil knew the game as well as any of the other pontificating poof-heads working the baseball airwaves today. I had forgotten how much fun it could be to watch a Yankee game.

And let’s not forget the fact that Phil Rizzuto is the answer to one of the all-time great trivia questions: Who is the only American League MVP to earn a Platinum Album award as well? Phil, of course, was immortalized for his “play-by-play” interlude in “Paradise By The Dashboard Light” on Meat Loaf’s “Bat Out Of Hell.” The story goes that when my man Todd Rundgren (who produced “Bat Out Of Hell”) was told that Phil Rizzuto agreed to be on the album, Todd’s reply was, “Really? What instrument does he play?”

I still haven’t figured out whether so many things worked out well for Phil Rizzuto because of his positive outlook on life or whether he had a positive outlook BECAUSE so many things worked out for him. They just did. God bless him.

So thanks, Phil, for the laughs and the great baseball and, mostly, for being such a fun part of my life. You will be missed.

Thank you for reading this column.

Metro NY Balloon & Music Festival, August 10, 11, & 12th

Photo courtesy of Alida Thorpe

My husband and I went early this morning, sunrise actually, to the

Metro NY Balloon & Music Festival,

being held August 10th, 11th & 12th at Brookhaven Calabro Airport.

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Unfortunately, a north wind kept the balloons from flying.

As one balloon owner said, "...in this wind, nowhere to go but the ocean!"

It was wonderful to watch the balloons fire up and get ready.

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For more information, directions and the festival information, visit the website..here.

I will tell you that it costs $10 to park and $25 per person to enter, so it is not an inexpensive family activity.

No coolers are allowed but you can bring in a folding chair.

Hope you enjoy your Long Island weekend!

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So Many Milestones, So Little Time

By Michael Watt

Okay, so we’re in the homestretch of what I affectionately refer to as my mini-milestone-marathon.

Last weekend (on Friday), you’ll recall, my niece Nadya got married. This Saturday it’s my sister Annie’s turn. That’s a lot of excitement in an eight-day span. Throw in the birthdays of my two sons (Alex, 17 and Max, 13), the premier of “The Simpsons Movie,” a night out for a rock concert (Todd Rundgren and “The New Cars”), more than a handful of baseball and softball games and – oh yeah, that damn day job - and you have a whirlwind couple of weeks on your hands. Did I mention that we are having the house painted this week? Right now the fumes have me higher than a Rastafarian at a Reggae concert After Party.

Whew! As my favorite rappers like to say, “It’s all good.” But is it amusing? Let’s find out.

As I predicted, at my niece’s wedding my wife Sharon and I found ourselves situated so far removed from the action you could have used a golf cart to get from our table to the dance floor. Not to worry – we were that much closer to the Viennese table at night’s end. Of course being closer to the desserts than to the dance floor probably resulted in my adding a couple of pounds to the mid-section by night’s end, but it was just as well. The DJ, believe it or not, did not have a copy of “Love Shack” to play.

Can you imagine that?

It’s times like these that I wish I could be governor of Long Island. If I were and I became aware of a “Love Shack”-less DJ I would decree – right there on the spot – that all DJs plying their craft on the Island had to be licensed and in order to secure that license they had to demonstrate a willingness and ability to spin the greatest song ever written about a shanty with a rusted tin roof. Being a DJ at a party and not spinning “Love Shack” is like opening an ice cream store and not offering chocolate. Stupid DJs. Oh, and for the record it’s not as if I was the only one asking for the song, either. A hip, vivacious, pretty young lady - in other words, everything I am not – asked repeatedly for the song to be played, too. When she wasn’t tugging on her strapless gown, that is, to make sure the situation didn’t deteriorate from a "Love Shack" request to Love Rack display, if you know what I mean.

Because I like to think of myself as a pro-active, pre-emptive, let’s-make-lemonade-out-of-a-lemon kind of guy, I have commissioned my son Alex to burn a copy of “Love Shack” onto a blank CD and will keep that CD in the glove compartment of my car go forward, so that this tragic situation will never again have to be endured.

Other than the Shack-less blemish the wedding was a blast. The DJs did, for instance, play “Shout.” “The Worm” was performed to perfection by yours truly with many, many others accompanying me. They might not have realized they were accompanying me, of course, but trust me – they were. I bow to no one – with the possible exception of my brothers Eddie and Raymond – when it comes to declaring myself “King of The Worm.”

Perhaps the most impressive thing about Nadya’s wedding was the fact that it started on time. It seems the bride has a thing about punctuality and even the priest was caught off guard. He started his sermon by commenting that in his many years of marrying couples this ceremony marked the first time one had started when it was supposed to.

The priest marrying my sister Ann and her fiancé Mark will not be making such comments. Ann’s just as organized and on top of things as Nadya, mind you, but punctuality has never been a big priority at the Watt household. When my brother Ray got married, for instance, he asked all his brothers to be ushers and as a result we were there, in the back, when the Wedding Mass started. “So this is what the beginning of Mass looks like,” cracked one of my other brothers.

Ann’s getting married in St. Agnes Cathedral in Rockville Centre, the same church where my parents got married back in 1952 and almost 33 years to the day that my older sister Margaret became the first in our family to marry. In between there have been eight other Watt wedding days. (If you’re keeping score at home, that leaves three brothers yet to be married. Don’t hold your breath; as far as I can tell each is quite happy with their single status. All the more power to them.)

The reception afterward will serve as a family reunion as much as anything else, with brothers, sisters, cousins, nieces, nephews, aunts and uncles coming in from all over the country. Those are always fun, too, especially with every one all dressed up and on their best behavior. I know I plan to don the same pair of red argyle socks I wore to my wedding 22 years ago and to every wedding since (including Nadya’s). I also know that while wearing those red socks I will be the first one (okay, maybe the second or third) out to the dance floor to do “The Worm.”

Hey – you celebrate your milestones your way, I’ll celebrate them with mine.

Thank you for reading this column.

Montauk Point Lighthouse

Photo: Alida Thorpe

Montauk Point Lighthouse, Long Island

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For more information about the lighthouse and visitors' center...Click here!

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Restoration of the Grist Mill

photo: Alida Thorpe

Grist Mill, Connetquot River State Park Preserve

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The mill originates from the 1700s.

Over the years, weather and age have taken their toll on the structure.

The restoration project, initiated by the Friends of Connetquot, is now in progress.

A mill expert has been hired to oversee the restoration which includes plans to stabilize the structure, eventually raise it and build new stone piers. It needs a new foundation, new shingles and roof. Eventually, the interior and milling machinery will be restored to create a working mill.

This project is a major undertaking and will take much time and require major funds.

Monetary grants have been received from both the federal and state governments.

The Friends of Connetquot are working to contribute additional money raised from donations and fund raising events.

Read more about the efforts and the October 2007 deadline to match funds!

If you would like to donate or help in some way, please call the Park at 631-581-1005

or send contributions to:

Friends of Connetquot, P.O. Box 472, Oakdale, NY 11769

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A New Hurricane Season

Welcome back. I have not had time to post in a while but today as I was doing some "homework" I found that I needed to change the look of the blog, because with Google's new system, they had new template designs, and I had to choose one. I hope you like the look, though I know I don't have that many 'regular' readers. After all, not many people choose to while away their hours reading about insurance. I do have some regular readers of my other blog, http://www.aroundbabylon.com/, but that's because I write about local happenings in our Village.

But while I'm here, I will write a short post. The market for homeowners insurance on Long Island is continuing to change. This past week we had our first call from someone who's being canceled by State Farm. They were told that State Farm is canceling people within a half mile of the water. I had heard that they stopped writing new business within a half-mile of the South Shore of Long Island but not that they were canceling anybody.

I say this not to pick on State Farm in any way. I happen to think they are pretty good company, and they are the biggest in auto and home insurance. Unfortunately, I just point it out to show what is happening in the Suffolk County and overall Long Island insurance marketplace. Even the largest insurance carriers do not have the capacity to absorb the business being shed by their competitors.

We need a lot of changes in not only the insurance business but also in the codes for new home construction and in other government regulations. But in the meantime, what we need most is a number of new carriers to come in the market and each take a small percentage of the business.

A big part of my job these days is keeping my eyes and ears open all the time for these new players. We wrote our first policy with one such insurance program this week. Our agents Association works hard on this issue all the time but Independent Insurance Agents only represent about 35% of the personal insurance market (meaning car and house insurance). And so we are not the "big players."

That would be Allstate, State Farm, Farmers and a few others. The problem is that, as I pointed out above, size is not an advantage here, because of the massive damage that would be possible in a Katrina size hurricane. Allstate is in favor of a government 'backstop', which is the only thing that would help them because of the sheer volume of business they wrote in coastal areas. But that idea has not caught on with most of the other companies, who would rather see a competitive market with risk-based pricing.

And while the public may debate about global warming, and whether it's caused by humans or not, the fact remains that sea levels are rising and temperatures are going up. And so the insurance companies simply don't know what's going to happen. Even if there is no such thing as global warming (and I personally think there is such a thing), we are at the very least in a period of rising temperatures and increased storm activity, even if it's just a natural cycle that will go away at some point.

That point may still be 20 or 50 years away during which time we may or may not have some pretty strong storms. When you add that in to the amount of property value there is here on Long Island it's a pretty scary scenario.

Meanwhile, there are also a number of major insurance companies, who need no introduction here, who are chasing just the automobile insurance market without taking any share of the risk 0f catastrophic loss that mainly affects the property market. As these companies suck dollars from the insurance buying public, the effect is to weaken the financial positions of those companies who also take their fair share of the property insurance market.

We live in interesting times. As always, more information is available by visiting our web sites at http://www.nyinsurancewithservice.com/ and http://www.floodinsuranceny.com/.

Long Island's ''Feast of Feasts'' July 11-15, 2007 - Wellwood Ave. Lindenhurst, New York

OLPH International Feast 2007

Our Lady of Perpetual Help Church
2007 INTERNATIONAL FEAST
July 11-15, 2007

Celebrating it's 25th year, Our Lady of Perpetual Help(OLPH) Parish has expanded their annual feast making it bigger and better than ever! The festival committee has turned this local event into an International delight. More rides, more food, more vendors and more fun than before...

OLPH International Feast takes place on Wellwood Avenue in Lindenhurst, New York. Festival activies start on Wednesday, July 11, 2007 and run through Sunday, July 15, 2007.

The International schedule of events include Polish, Irish, Italian, American and German themed nights. Rides, games and attractions. Expanded vendor area with an assortment of ethnic inspired foods and specialty items. Air-conditioned Vegas area located in the School will be open every evening. Live music and entertainment is scheduled for each themed evening.

Polish Night - Wednesday, 7/11/07
Celebrate your Polish heritage on Wednesday July 11th, or learn about Polish tradition at the OLPH International Feast's Polish Night. Dance to the music of Polka band "Retro" performing live on stage in the entertainment area. Dine under the stars in the food court where Polish delicacies include pierogies and kielbasa. Enjoy all the other foods and browse through the specialty showcase items in the vendor area.

Special Benediction, Procession and Blessing begins at 5:00pm from the Church led by Monsignor Rev. Daniel S. Hamilton. The United States Marine Corp. will be making a special appearance providing the color guard for the opening ceremony!



Irish Night - Thursday, 7/12/07
OLPH International Feast's Irish Night celebrates and honors the Irish with music, dancing and delicious Irish food on Thursday. A changing of the flag ceremony followed by the Award Winning New York Shields. Gerry Finlay and the Cara Band will be performing live on stage in the entertainment area.

Irish delicacies, including corned beef and cabbage as well as other delicious ethnic food will be served in the food court. Additional vendor areas with ethnic inspired specialty items make this a fun-filled evening with a bit of the Irish for everyone.


Italian Night - Friday, 7/13/07
Dance "The Tarantella" when the OLPH International Feast Italian Night takes place on Friday, July 13, 2007. A changing of the flag ceremony will be held at the beginning of the evening. Enjoy live music in the entertainment area and stroll through the vendor areas for all things Italian.

Delicious food prepared by Joe's Italian Deli will be served in the outside eatery. Sausage and peppers, peaches and wine, cannoli, funnel cakes, ice cream and other ethnic treats. So, bring the family and don't miss this fun-filled evening when lil' Little Italy comes to Lindenhurst, New York.


American Night - Saturday, 7/14/07
Rock n' Roll American Style on Saturday, July 14, 2007 with special showcase 50's Band "The Beltones" at the OLPH Annual Feast. A changing of the flag ceremony takes place at the beginning of the night. Savor a variety of foods along Wellwood Avenue in Lindenhurst. Vendor areas with ethnic specialty items on sale as well rides, games and attractions. It's American, it's International, it's fun for all ages and backgrounds.




International Fair and German Day & Night - 7/15/07
The final day of the OLPH International Feast, Sunday, July 15th, 2007, will be one to remember with the biggest addition in 25 years. Wellwood Avenue from West Gates to Hoffman Avenue in Lindenhurst will be shut down for the International Street Fair! Fun filled activities begin at 10am and last until the festival closing bell at 9pm. The street fair features hundreds of vendors with food, crafts and novelty items.

The changing of the flag ceremony starts off the evening for German night. Live music in the entertainment area by long-time favorite performers, "The Spitzbaum". Knockwurst, Bratwurst, Sauerkraut and Potato Pancakes are on the menu at the outside eatery as well as other ethnic treats.

Our Lady of Perpetual Help International Feast features rides, games and attractions. Vendor area with an assortment of ethnic inspired food and specialty items. Air-conditioned Vegas area located in the School will be open every evening. Live music and entertainment is scheduled for each themed event.

For general information visit the OLPH International Feast Website
OLPH Feast Coordinator 516-242-9531.
Vendor space available 631-539-4942.

OLPH International Festival is sponsored by:
LongIsland.com, Walk 97.5 FM, Artusa Construction, Four Seasons Sunrooms, Manhattan Beer Distributor, Pepsi Cola, Joe's Italian Market, Johnstons' Funeral Home, Lindenhurst Funeral Home, OLPH Kinghts of Columbus, The Cannoli Factory, OLPH Holy Name Society, OLPH Parents Association, Allstar Midway, Carnival Amusements, Sal's Fruit Tree, All County Business Machines, Eye Values, Inc., Johnny Mica, Inc. Ridgewood Savings Bank, Giannini Landscaping and Babylon Dental Care.

Special thanks to contributors, vendors and volunteers, the OLPH Feast Committee, The Incorporated Village of Lindenhurst as well as the church staff for helping to make this event possible.

Our Lady of Perpetual Help Church 210 S Wellwood Avenue Lindenhurst, NY 11757 Rectory Phone: 631-226-7725 OLPH School 240 S Wellwood Avenue Lindenhurst, NY 11757 School Phone: 631-226-0208