Columns

Stony Brook Harbor. Photo by Elyse Buchman

By John L. Turner

It was on a rising tide in mid-afternoon, on an 82-degree late summer day, that I slipped into the opening of the kayak, placed my feet on the rudder controls and pushed off the gently sloping bank in the southern reaches of Stony Brook Harbor, not too far from the famous Hercules Pavilion positioned along the harbor’s edge. 

Stony Brook Harbor. Photo by John Turner

Even in shallow, foot-deep water I was easily able to ply the kayak along the shoreline. The first view that drew my attention were nine bright white, long-necked wading birds. Egrets they were, both the larger American Egret and the more diminutive Snowy Egret feeding in the shallow water of the creek that spills from the Stony Brook Grist Mill. Their likely targets were small, two-inch long baitfish, schools of which I would repeatedly see in the hours ahead as I explored the harbor. 

Within a couple of minutes I had plied across a deeper channel running alongside Youngs Island and moments later alongside one of the many marsh islands found within the harbor.   

For the next four hours I explored the many gifts Stony Brook Harbor had to offer — red beard sponges, several species of floating seaweeds, fiddler crabs scuttling across sand flats, baby horseshoe crab molts, the aforementioned baitfish and their pursuers — baby bluefish known as snappers, snapping the placid tension of the water surface — countless shells, and, of course, the birds: Double-crested Cormorants (many, comically, with their wings outstretched, drying in the sun); more long-necked and long-legged wading birds; a small plover pulling on a long red worm; the plaintive, three part call of Greater Yellowlegs; the ubiquitous gulls; and an adult Bald Eagle, dominating the sky over the southern edge of the harbor. 

Like tiny sailboats, many bird feathers floated over the placid surface of the water during the visit, a tell-tale sign that late summer is a time for many birds to molt by replacing older worn out feathers with new ones.  

That small plover was not a Piping Plover but its darker colored cousin — the Semipalmated Plover, so named because its feet are partially webbed. A handsome bird the color of chocolate on the top of its head and back, a bright white belly, breast, and throat offset by a black chest band and line through the eye, and an orange bill and yellow-orange legs, the Semipalmated Plover breeds in the far north; this bird probably flew south from Labrador, Nova Scotia, or Northern Quebec, but perhaps even further north in its breeding range above the Arctic Circle, to make its way to Stony Brook Harbor on its much longer journey to the Caribbean or South America.

The same is true for the Greater Yellowlegs, a slightly larger shorebird with a salt-and-pepper plumage with, you guessed it! — bright yellow legs. The plover was feeding in a sand/mud flat and the three yellowlegs in very shallow water adjacent to the flat. Suddenly, the yellowlegs exploded into the air, winging away rapidly, apparently due to some danger they could (but I could not) perceive. Their emphatic calls rung out over the water, harkening to more desolate and windy places. 

This little shorebird vignette in the harbor illustrates and underscores the value it and countless other coastal embayments on the East Coast play as critical way stations for migrating shorebirds that stitch together the Northern and Southern  hemispheres. These are like the highway rest stops we use while traveling, providing opportunities for these long distance migrants to feed and rest.   

Ribbed mussels along the harbor. Photo by John Turner

As I turned south into the more open waters at the southern end of the harbor I slid by a long muddy embankment, the leading edge of a salt marsh, when two objects caught my eye — many clumps of Ribbed Mussels and dozens of Cordgrass or Spartina plants in full bloom.   

Ribbed mussels are less well-known and appreciated than the edible Blue Mussel since, unlike the latter species, they are not harvested for food. Nevertheless, they are very important to the healthy functioning of tidal wetlands. So named because of the numerous parallel ribbed lines that run the length of its shell, this species grows in bunches in the mud, often tangled in the roots of Cordgrass (Spartina alterniflora), with which they have a “mutualistic” or mutually beneficial relationship.  The mussels benefit from anchoring their shells, through the use of byssal threads, to the roots of Spartina and also benefit from the density of the plant shoots that makes it harder for predators, like crabs, to gain access.

The plant benefits by the waste products excreted from the mussel as it is high in nitrogen which acts as a plant fertilizer. The material also helps to build the marsh — filtering tiny organic particles out of the water column and depositing it on the marsh. Because of these important services the Ribbed mussel is referred to as an “ecosystem engineer.”   

Cordgrass in bloom along Stony Brook Harbor. Photo by John Turner

Cordgrass is the most recognizable plant of the marsh. It dominates the view of much of the harbor and along the lower elevations of the tidal marsh, with its sister species Salt Hay (Spartina patens), occurring in the higher portions. These are two of only a small number of plants that can tolerate the presence of salt and its desiccating qualities; they do this by extruding the salt from pores in the surface of the frond; take a close-up view and you can often see the salt crystals sparkling along the stems of the plant. 

Cordgrass is wind pollinated and not surprisingly, therefore, their interesting one-sided flowers aren’t showy nor do they exude nectar in an effort to lure pollinating insects. The winds care not for such things. Still, they are beautiful and arresting as the hundreds of flowers on each stalk move in the slightest breeze.  

Unfortunately, a storm cloud has appeared over the harbor that would likely compromise its beauty and ecological quality. This “cloud” is in the form of two large docks proposed on properties located in the harbor’s shallow southern end in the Village of Nissequogue. 

Despite the fact there are two commercial marinas in the northern reaches of the harbor at which a boat can be stored or the fact each property owner currently has access to launch kayaks or canoes from the shore, these residents are seeking approval to install monstrously long docks that would jut well out into the water. One is more than two hundred feet long.  

The proposed site for one of the docks. Photo by John Turner

Installing the dock pilings would be disruptive to the harbor bottom, cause turbidity and sedimentation problems, affecting wetland dependent wildlife such as diamondback terrapins (I saw a dozen terrapins floating and swimming in the southern portion of the bay on the kayak visit and fifteen from a vantage point onshore at Cordwood Park about a month earlier). 

Turbidity problems and disruption to the harbor bottom by “prop scouring” will occur each and every time boats are run out on low tide. Further, the docks will make it more difficult for you and I to walk along the shoreline as is our legal right “to pass and repass” along the shoreline as guaranteed by the Public Trust Doctrine and did I mention the ugliness and visual blight caused by the docks at a site landscape painters find inspiration? 

Perhaps of greater concern is the precedence that approval of these two docks could establish. If these are approved, what’s to stop the harbor’s “death-by-a-thousand-cuts” as several dozen other property owners ringing the harbor, through time, request the same? 

And is it reasonable to assume that, as the years roll by, these owners clamor for the very shallow southern reaches of the harbor to be dredged to ease navigation and better accommodate their boats?  Yes, it is. 

For the sake of this most special and unique place the request for these mega docks must be denied. The public interest in, and use of, Stony Brook Harbor and recognition of the significant ecological value of the harbor dictate against approval and must prevail. Will public officials heed the call?   

A resident of Setauket, John Turner is conservation chair of the Four Harbors Audubon Society, author of “Exploring the Other Island: A Seasonal Nature Guide to Long Island” and president of Alula Birding & Natural History Tours

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‘Beween Stony Brook Harbor Tides’

If you wish to learn more about the human and natural history of Stony Brook Harbor, I encourage you to read “Between Stony Brook Harbor Tides — The Natural History of a Long Island Pocket Bay” authored by Larry Swanson and Malcolm Bowman, two professors who taught at Stony Brook University’s School of Marine and Atmospheric Sciences. The book provides an overview of the natural conditions that shape the harbor, the human imprint on the harbor, and the many species of wildlife that call it home. It is a most worthwhile read.  

— John Turner

 

By Nancy Burner Esq.

Nancy Burner, Esq.

Being a Trustee of a trust carries serious responsibilities and trustees are compensated for their time. 

Section 2309 of New York’s Surrogate’s Court Procedure Act sets forth how to calculate the amount of commission. Under the statute, Trustees receive  commissions on the amount of property paid out and annually. However, keep in mind that the trust agreement can override the statute. The creator of the trust (Grantor) and Trustee may agree to a different amount, or the Trustee can waive the right to commissions altogether.

The statute lays out that the Trustee is entitled to a commission of 1% of any trust principal paid out. In addition to the 1% commission on distributions of principal, the following fee schedule sets out the Trustee’s annual commissions: 

(a) $10.50 per $1,000 on the first $400,000 of principal 

(b) $4.50 per $1,000 on the next $600,000 of principal 

(c) $3.00 per $1,000 on all additional principal.

Take the simple example of a trust with $1 million dollars in assets that directs $200,000 be paid out to the beneficiaries upon the Grantor’s death. The Trustee is entitled to a $2,000 commission for the distribution and then $5,200 annually. The statute also provides for reimbursement for reasonable and necessary expenses.

The trustee can choose to collect the commission at the beginning of the year or at the end of the year. But once the Trustee chooses a time they must collect the commission at that time of year every year going forward. Any successor or substitute Trustee must follow the same schedule.

Pursuant to SCPA §2309(3), annual commissions must come one-third from the income of the trust and two-thirds from the principal of the trust. Unless the trust says otherwise, commissions are payable one-third from trust income and two-thirds from trust principal. The only exception is for charitable remainder unitrusts or annuity trusts. In such cases, the commissions are paid out of principal, not out of the annuity or unitrust payments.

When deciding what the Trustee’s commission should be, it is important to keep SCPA 2309(3) in mind. This is especially true when the only asset in the trust is the Grantor’s home. Until the home is sold and the proceeds paid out, the Trustee is not entitled to the 1% commission.  Likewise, if the home is not generating rental income, then the one-third of the trustee’s commission is not payable under 2309. This may not be important if the Trustee is a beneficiary, but there is no incentive for a non-beneficiary Trustee in this situation.

Determining how to calculate the correct commission owed a Trustee can be complicated. Consulting an experienced estate planning attorney can make the process much easier to navigate. These discussions should be had upon creation of the trust as well as when the Trustee starts managing the trust.

Nancy Burner, Esq. is the founder and managing partner at Burner Law Group, P.C with offices located in East Setauket, Westhampton Beach, New York City and East Hampton.

Mercy Baez. Photo by Joseph Rubino/ BNL

By Daniel Dunaief

She is a greeter, a corporate concierge, a facilitator, a point of contact for people traveling thousands of miles, a Spanish translator, an important contact in case of emergencies, and whatever else visitors need.

While Mercy Baez, who was promoted to User Program Coordinator for the National Synchrotron Lightsource II and the Laboratory for BioMolecular Structure at Brookhaven National Laboratory early in October, wears many hats, one of the only ones she doesn’t wear is scientist, although that doesn’t keep her from appreciating and taking pride in the research conducted at the Department of Energy facility.

“We’re helping them and they are helping the world,” Baez said.

BNL has a steady stream of users who apply for time at the various research facilities at the national laboratories. 

Baez is specifically responsible for providing a wide range of support and services to the NSLS II and the LBMS. Users, which is how BNL describes potential visiting scientists who conduct research at the lab’s facilities, submit proposals to her office, which then distributes them to a proposal review panel.

When visiting scientists learn that their work, which includes monitoring batteries as they function and searching for fine structural sites in the molecular battle against pathogens, has earned a high enough score to receive coveted time on the lab’s instruments, they prepare for their visit by interacting with Baez and her current team of four by getting registered and approved for access.

Baez offers soup to nuts guidance that often also includes helping users literally find soup, nuts and numerous other items. Baez ensures that users take any necessary training courses, provides guidance regarding registering for on site access to BNL, provides information on the steps or items necessary when they arrive, helps find nearby hotels, coordinate travel to and from the lab and, if necessary, secures places to stay if they miss their planes, get snowed in or have other unforeseen changes in their schedules.

As of October 1st, visitors also have to have some type of active shooter training to access the lab’s facilities. Currently, users are required to take five training courses. Last week, the lab decided to incorporate active shooter training into one of these other training courses.

The lab has always had routine emergency training courses and drills for lab employees. With the changing times and current events, the lab is looking to equip users for such emergencies. The lab hopes never to have to use this training, but if such an event occurs, staff and users will know how to handle such a situation.

In addition to training to help users prepare to visit the facility, Baez provides visitors with a host of on site facilities, including adaptors in case they are using European electronics that don’t connect with the outlets, laptops in case the computer a scientist brought isn’t working, conference rooms for impromptu meetings, and dorm rooms for a respite while running time-intensive experiments.

BNL hosts employee resource groups including the African American Advancement Group, the Asian Pacific American Association, the Brookhaven Veterans Association, Brookhaven Women in Science, the Early Career Resource Group, the Pride Alliance and the Hispanic Heritage Group. Baez said the lab tries to involve users and visitors in as many cultural and social events as possible, which include outings to dinners, plays and cultural virtual cooking classes.

In September, Baez participated in the Port Jefferson Dragon Boat Race Festival which the Asian Pacific  American Association sponsored. 

Baez, whose mother is from Puerto Rico and whose father is from Ecuador, is a member of the Hispanic Heritage Group.

A people person

A member of the user offices since 2003, Baez had recently been responsible for coordinating conferences, workshops, and training courses, including financial and logistical aspects of the events for NSLS-II and the LBMS. She had been functioning as the user program coordinator since January, when Gretchen Cisco retired. Baez feels fortunate to have worked with Cisco since she joined NSLS in 2005.

A self-described “people person,” Baez said she loves the opportunity to interact with scientists from all over the world. She particularly appreciates the chance to get to know about other cultures and has added destinations to her travel itinerary from speaking with visitors. She is hoping to travel to Morocco and Peru next year and is hoping to travel to Japan and a few other countries in the near future.

Coming from a Latina family that tends to be loud and outspoken and whose family gatherings often includes more than 30 people, she has learned to speak in a softer voice, particularly with people from other cultures or backgrounds.

She also has a tendency to speak quickly and has learned to slow the pace down so visitors who haven’t interacted with her can understand what she’s saying.

A resident of Medford, which is a ten-minute drive from the lab, Baez has a son Xzavier and a granddaughter Francesca. She is excited for the upcoming arrival of her second granddaughter in November.

When she’s not at the lab, she uses her leisure time to go hiking, fishing and camping.

With her then teenage son in tow, she went to the jungle of Belize for a survival course, where they learned how to catch their own food, build shelters, and harpoon fish. She also learned which plants are safe to eat and which are poisonous.

While her work responsibilities can be hair-raising, particularly in emergencies, she “loves the feeling that I was able to help a scientist, whether to get him or her on site or in an emergency,” she said. Knowing that she’s a part of making all this science happen makes her day and job rewarding, she said.

Baez has had some requests from scientists who have wanted cultural foods, such as Turkish or vegan dishes, that might be harder to find, particularly during off hours.

Around Thanksgiving each year, some visitors have asked if they can hunt wild turkeys at BNL, which is located within the Pine Barrens and has turkeys and deer wandering on site. She has told those users that the lab does not allow hunting.

Hunting aside, Baez said she is “here to help [users] do what they need to do.”

Legume consumption plays an important role

By David Dunaief, M.D.

Dr. David Dunaief

Coronary artery disease is the most common type of heart disease, which can cause heart attacks. How common is it? According to the Centers for Disease Control and Prevention, about 6.7 percent of U.S. adults over the age of 19 have coronary artery disease (CAD) (1). There are 805,000 heart attacks in the U.S. annually, and 200,000 of these occur in those who’ve already had a first heart attack.

Among the biggest contributors to heart disease risk are high blood pressure, high cholesterol, and smoking. In addition, if you have diabetes or are overweight or obese, your risk increases significantly. Lifestyle factors also contribute to your risk: poor diet, lack of physical activity and high alcohol consumption are among the most significant contributors.

This is where we can have a tremendous impact and significantly reduce the occurrence of CAD. Evidence continues to highlight lifestyle changes, including diet, as the most important factors in preventing heart disease. Changes that garner a big bang for your buck include the consumption of chocolate, legumes, nuts, fiber and omega-3 polyunsaturated fatty acids (PUFAs).

Chocolate’s benefits

Preliminary evidence shows that two pieces of chocolate a week may decrease the risk of a heart attack by 37 percent, compared to those who consume less (2). However, the authors warned against the idea that more is better. In fact, high fat and sugar content and calorically dense aspects may have detrimental effects when consumed at much higher levels. There is a fine line between potential benefit and harm. The benefits may be attributed to micronutrients referred to as flavonols.

I usually recommend that patients have one to two squares — about one-fifth to two-fifths of an ounce — of high-cocoa-content dark chocolate daily. Aim for chocolate labeled with 80 percent cocoa content.

Alternatively, you can get the benefits without the fat and sugar by adding unsweetened, non-Dutched cocoa powder to a fruit and vegetable smoothie.

Who says prevention has to be painful?

Increase dietary fiber

Fiber has a dose-response relationship to reducing risk. In other words, the more fiber you eat, the greater your risk reduction. In a meta-analysis of 10 studies, results showed for every 10-gram increase in fiber, there was a corresponding 14 percent reduction in the risk of a cardiovascular event and a 27 percent reduction in the risk of heart disease mortality (3). The authors analyzed data that included over 90,000 men and 200,000 women.

According to a 2021 analysis of National Health and Nutrition Examination Survey (NHANES) data from 2013 to 2018, only 5 percent of men and 9 percent of women get the recommended daily amount of fiber (4).

The average American consumes about 16 grams per day of fiber (5).

So, how much is “enough”? The Academy of Nutrition and Dietetics recommends 14 grams of fiber for each 1,000 calories consumed, or roughly 25 grams for women and 38 grams for men (6).

We can significantly reduce our risk of heart disease if we increase our consumption of fiber to reach the recommended levels. Good sources of fiber are fruits and vegetables with the edible skin or peel, beans and lentils, and whole grains.

Consume more legumes

In a prospective (forward-looking) cohort study, the First National Health and Nutrition Examination Survey Epidemiologic Follow-up Study, legumes reduced the risk of coronary heart disease by a significant 22 percent (7). Those who consumed four or more servings per week saw this effect when compared to those who consumed less than one serving per week. The legumes used in this study included beans, peas and peanuts. There were over 9,500 men and women involved, and the study spanned 19 years of follow-up.

I recommend that patients consume at least one to two servings a day, or 7 to 14 a week. Imagine the impact that could have, compared to the modest four servings per week used to reach statistical significance in this study.

Focus on healthy nuts

In a study with over 45,000 men, there were significant reductions in CAD with omega-3 polyunsaturated fatty acids (PUFAs). Both plant-based and seafood-based omega-3s showed these effects (8). Good sources of omega-3s from plant-based sources include nuts, such as walnuts, and ground flaxseed.

Your ultimate goal should be to become “heart attack proof,” a term used by Dr. Sanjay Gupta and reinforced by Dr. Dean Ornish. While even modest dietary changes can significantly reduce your risk, the more significant the lifestyle changes you make, the closer you will come to achieving this goal.

References: 

(1) cdc.gov. (2) BMJ 2011; 343:d4488. (3) Arch Intern Med. 2004 Feb 23;164(4):370-376. (4) nutrition.org (5) NHANES 2009-2010 Data Brief No. 12. Sep 2014. (6) eatright.org. (7) Arch Intern Med. 2001 Nov 26;161(21):2573-2578. (8) Circulation. 2005 Jan 18;111(2):157-164.

Dr. David Dunaief is a speaker, author and local lifestyle medicine physician focusing on the integration of medicine, nutrition, fitness and stress management. For further information, visit www.medicalcompassmd.com.

METRO photo

By Fr. Francis Pizzarelli

Father Frank Pizzarelli

Have you ever stopped in the middle of Penn Station amongst the noise and human activity and just think?

Recently, I did exactly that. It was rush hour. I had just finished teaching at Fordham University’s Lincoln Center Graduate School of Social Services. I took the one train to Penn Station. There was pandemonium like I have not seen since pre-pandemic days.

This was a different kind of energy. It was opening night for the New York Rangers. People’s excitement was contagious. I almost wished that I had a ticket so that I could go to the hockey game even though I hate hockey. 

In the midst of all of the noise and excitement, I stopped, took a breath and looked around. My eyes caught sight of a little girl with a Rangers jersey on that was bigger than her; she was on fire. I waved and caught her eye; she waved back with a big smile. As I was waiting for my train back to Ronkonkoma. I couldn’t help but think of her innocence, of her positive energy, of her genuine openness and that one day that beautiful little smile and abundant energy could be severely impaired because of the world we live in.

Soon enough she will move from the innocence of childhood into the chaos of adolescence and young adulthood. The world is a very negative place right now for the next generation to be nurtured in. We need to protect them from the garbage and hypocrisy that is everywhere. We need to attempt to change all of that negativity and make the world a place that is welcoming and inclusive, even if we disagree!

We need to work harder at building bigger bridges rather than stronger walls. We need to create a language grounded in respect and love for everyone, even when it’s hard, challenging and demanding.

No little girl should ever have her innocence and joy threatened or impaired because the world is filled with narcissism and selfishness.

Every day I see pain and suffering in the eyes of the mentally ill and the drug addicts that I live and work with; but I also see hope and potential for change and transformation. I see miracles every day which make me believe we can make the world better; make it more loving and caring for all the little ones who live in our midst.

Mental health is a major concern that is rapidly disarming and paralyzing a growing number of young people of every age and walk of life. We don’t have enough licensed mental health professionals that can cost-effectively meet the epidemic need before us. We must collaborate now to erase the stigma that painfully exists around mental health treatment. We must demand accountability from all our insurance providers who tend to play games with our mental health and access to comprehensive mental health treatment.

The government needs to stop talking the talk and begin walking the walk. Our faith leaders need to have the guts to stand up, be counted and lead us in the fight for protecting all life that is scarred by mental health disorders. This cannot wait for tomorrow.

Father Francis Pizzarelli, SMM, LCSW-R, ACSW, DCSW, is the director of Hope House Ministries in Port Jefferson.

Frank Melville Memorial Park. Photo by Gene Sprouse

By Leah S. Dunaief

Leah Dunaief

Last week I wrote about the pleasure of getting away, even for a day, and enjoying the foliage season in lower New England. This time I want to wax rhapsodic (well, in a manner of speaking) about the special places we love here in the neighborhood. 

Do you have such a special place? By which, I mean a place you go when you want to enjoy the beauty of the area, where you can sit and relax and let concerns just melt away for a few minutes. Or where you can go to think out troubles peacefully, deciding what to do next. Or maybe, you just want a bucolic walk.

One such location for me is the Frank Melville Memorial Park, not far from 25A and my office in Setauket, but nicely hidden from view. Opened in 1937 as a memorial to Frank Melville Jr., it was the brainchild of his wife, Jennie MacConnell Melville, and his son, Ward Melville. While it is privately owned, the park is open for the pleasure of the public every day from sunrise to sunset.

So who was Frank Melville, you might ask, and how did it happen that a park is dedicated to him?

Frank Melville Jr. started by selling shoes to the residents from his sailboat on a fixed schedule, as he and his family of wife and small children circumnavigated Long Island. Eventually, he founded the Thom McAn brand with J. Franklin McElwain, a New Hampshire shoe manufacturer, exactly one hundred years ago. Their first retail shoe store in New York, selling a few simple styles at a low fixed price, then expanded to hundreds of stores across the US, becoming the largest footwear retailer in the country with 1400 stores. The brand name was eventually bought by Sears 86 years later. 

As they grew wealthy, the Melvilles, who lived in Manhattan, bought a second home for themselves in Old Field, and became increasingly philanthropic, donating local land for community benefit, including what is now the campus for Stony Brook University. And it was Ward Melville, who visualized and created Stony Brook Village in 1941, the first outdoor mall in the country, and to this day, a fun daytime destination.

When I walk through the park, which surrounds the duck pond with leafy and varied greenery now changing colors, I marvel at the generosity and vision of the Melville family in fashioning such a jewel for anyone who wishes to enjoy its paved path, picture postcard views and many benches. It is such a place of respite for those of us who work just around the corner and those who come with their dogs from farther away. 

Dogs are welcome, as long as their owners pick up after them. We sat on one of the benches last Saturday and called out, “Hello, Dog,” to the various pooches as they walked by with their owners. The dogs immediately veered over for a pat, and sometimes the owners lingered for a chat. 

It was quite a social affair on a beautiful fall afternoon for dogs and people.

One of the people we met as we strolled along was Anita Lago, an energetic woman from Stony Brook who discovered the pond and the park eight years ago and has been coming over to enjoy the swans regularly since then. When she was found cleaning out the stray fishing lines and other detritus that might enmesh the fowl, she was offered a pail and a rake by the foundation that oversees the park and invited to be official. And so, she can be found at water’s edge, when she is not at her full-time job, a hard-working volunteer helping to keep the pond clean and the swans and other fowl safe.

The Frank Melville Memorial Park is supported by donations from a grateful public. It’s that kind of place, one that brings out the best in all of us as it gifts to us all year round.

By Michael Christodoulou

It’s unfortunate, but recessions are a fairly normal part of the economic landscape. When a recession occurs, how might you be affected? The answer depends on your individual situation, but regardless of your circumstances, you might want to consider the items in this recession survival checklist: 

Assess your income stability. If your employment remains steady, you may not have to do anything different during a recession. But if you think your income could be threatened or disrupted, you might want to consider joining the “gig economy” or looking for freelance or consulting opportunities. 

Review your spending. Look for ways to trim your spending, such as canceling subscription services you don’t use, eating out less often, and so on. 

Pay down your debts. Try to reduce your debts, especially those with high interest rates. 

Plan your emergency fund. If you haven’t already built one, try to create an emergency fund containing three to six months’ worth of living expenses, with the money kept in a liquid account. 

Review your protection plan. If your health or life insurance is tied to your work, a change in your employment status could jeopardize this coverage. Review all your options for replacing these types of protection. Also, look for ways to lower premiums on home or auto insurance, without significantly sacrificing coverage, to free up money that could be used for health/ life insurance. 

Keep your long-term goals in mind. Even if you adjust your portfolio during times of volatility, don’t lose sight of your long-term goals. Trying to “outsmart” the market with short-term strategies can often lead to missteps and missed opportunities.

Don’t stop investing. If you can afford it, try to continue investing. Coming out of a recession, stock prices tend to bottom out and then rebound, so if you had headed to the investment “sidelines,” you would have missed the opportunity to benefit from a market rally. 

Revisit your performance expectations. During a bear market, you will constantly be reminded of the decline of a particular market index, such as the S&P 500 or the Dow Jones Industrial Average. But instead of focusing on these short-term numbers, look instead at the long-term performance of your portfolio to determine if you’re still on track toward meeting your goals. 

Assess your risk tolerance. If you find yourself worrying excessively about declines in your investment statements, you may want to reevaluate your tolerance for risk. One’s risk tolerance can change over time — and it’s important you feel comfortable with the amount of risk you take when investing.

Keep diversifying. Diversification is always important for investors — by having a mix of stocks, mutual funds and bonds, you can reduce the impact of market volatility on your portfolio. To cite one example: Higher-quality bonds, such as Treasuries, often move in the opposite direction of stocks, so the presence of these bonds in your portfolio, if appropriate for your goals, can be valuable when market conditions are worsening. (Keep in mind, though, that diversification cannot guarantee profits or protect against all losses in a declining market.) 

A recession accompanied by a bear market is not pleasant. But by taking the appropriate steps, you can boost your chances of getting through a difficult period and staying on track toward your important financial goals.

Michael Christodoulou, ChFC®, AAMS®, CRPC®, CRPS® is a Financial Advisor for Edward Jones in Stony Brook. Member SIPC.

Stock photo

Election Day is less than two weeks away, and now is the time for citizens to begin researching their ballots.

When we vote, we are not merely selecting a “D” or “R.” Our representatives are living, breathing creatures with all of the features of ordinary citizens. They possess personality traits, character flaws, preferences, opinions and persuasions. 

In these last few weeks, we must uncover these traits and determine whether they align with our values. Today, it is not enough to show up to the polls and vote. Here in Suffolk County, we find numerous examples of the popular will being subverted to advance the interests of a powerful few. 

Take judicial elections, for example. Party leaders hold enormous power concerning our judges. Through a sequence of dealmaking and compromises — most of which happen behind closed doors and away from the public eye — the party leaders line up all county judgeships through cross-endorsements well before the election.

To receive a judgeship and the sweet $185,000 to $211,000 salary that comes with it, our “elected” judges do what they must. They answer to their superiors, who are the political bosses awarding them their seats of power and cushy salaries. Meanwhile, the ordinary citizens — those paying these salaries — get left behind and forgotten.

If we do not research our ballots thoroughly, then our only options this November are those handpicked by the party chieftains. An uninformed citizenry only reinforces this broken electoral system, rendering our elected officials less accountable to the people with each passing election.

A functional, vibrant democracy requires that citizens take an active, rather than passive, role in the electoral process. We must take a deeper plunge into the candidates on our ballots. Who are these people? What are their professional backgrounds? If elected, how will they advance our values and interests?

It is time for the people to take back the reins of power. Let not the political bosses pull our strings as they do the puppets they try to plant in office. 

If we want politicians to be accountable to us, we must give our votes much more weight. Blindly voting down a ballot is as pointless and unproductive as not voting at all, especially since ballots also include candidates who have not actively campaigned. No person, regardless of party affiliation, is entitled to our vote.

Next week, TBR News Media will release its election supplement. Read through those articles, and get to know your prospective representatives. Let us break away from the party masters. Let the age of the uninformed voter die a sudden, unceremonious death.

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By Daniel Dunaief

Daniel Dunaief

In tougher days before our son had a driver’s license and I had to pick him up from school, I brought the dog in the car. I’d see my son walking from school, head down, shoulders slumped, with the equivalent of a teenage angst enveloping him.

He’d get to the car, ready to throw himself into the seat next to me, to tell me his day was “fine” or that he “didn’t want to talk about anything,” and then he’d see the dog, wagging and prancing in the back seat and he was helpless against such charm and unbridled joy.

Our dog would throw his head into his hands, letting our son know that anything and everything our son did, particularly when he pet our dog’s ears, was welcome and appreciated.

While I know many people love puppies, with their fluffy fur and their playful demeanor, I have become increasingly attached and fond of our dog as he has aged.

And, as my wife has said, the feeling appears to be mutual.

When he was younger, our dog rarely came when I called him. He seemed fine with my petting him, but he didn’t go out of his way to get up from a comfortable nap.

But, then, something happened in the last year. Maybe it’s because we’ve traveled to visit family and friends for weddings and we haven’t taken him on each of our trips, or because he suddenly figured out that I feed him, provide water and take him for his necessary walks.

Whatever the case, he’s as happy to see me as I am to see him. At the same time, he’s become increasingly sensitive to the stress I’m feeling. When I get off the phone after an exasperating call with a customer service representative, he comes wagging over as if to say, “Yeah, that was annoying, but you’ll be fine and I’m still incredibly soft. Don’t you want to check?”

Recently, I contracted COVID-19. My wife, who hasn’t been feeling too well herself, took incredible care of me, picking up food and medicine while I shivered in bed and struggled to swallow through the razor blades dangling in the back of my throat.

In addition to the necessary and helpful support from my wife and brothers, I received encouragement from our dog, who seemed to recognize something was amiss. He came to the side of the bed and leaned his head into my hand. He put his paw up near my arm as well, wagging cautiously and looking into my eyes.

He reminded me of our dog from my childhood. Also, a golden retriever, our earlier dog raced to the kitchen door to be let out (yes, that was a different time). He used to return when he was ready and after he’d visited the neighbors and tended to his physical needs.

In my junior year of high school, I developed a migraine that limited my ability to see and gave me a horrific headache. At the same time, all physical contact was uncomfortable, from my friend touching my hand to guide me to the nurse to my mother escorting me to the car.

When I returned home, I lay in a dark room, miserable under the searing pain. The dog, who wasn’t used to having me home during the day, stayed in my room all day. He didn’t move or make a sound and, more amazingly, he never tried to touch my hand.

He finally went outside after I got up and felt better. He stood guard all those years ago, just as our pets do now, protecting us against strangers and offering support in our lowest and most emotionally vulnerable moments.

METRO photo

The last few days marked National School Bus Safety and National Teen Driver Safety weeks. The lessons and tips organizations shared during these respective periods are vital to remember all year.

School bus laws seem easy for drivers to understand when they are behind the easy-to-spot, yellow vehicle. However, confusion seems to ensue when it is situated elsewhere on the road. If a driver is in the vicinity of a school bus with its red lights flashing and its “stop” sign extended, it means to stop and wait. This applies not only when a driver is behind the school bus but also when it’s on the opposite side of the road, whether it be on a two-way street, divided highway or multiple-lane roadway. The rules also apply in parking lots and school grounds.

In New York, respecting the law can mean saving anywhere from $250 to $1,000 in fines, avoiding jail time, having points on a license or its being revoked. Most important of all, stopping when seeing a school bus saves children’s lives.

When those children grow up and are ready to learn how to drive, there is a lot to take in, and safe driving behaviors should be of the utmost importance. Parents need to have meaningful conversations with their children about making sure seat belts are used and traffic laws are followed.

The repercussions of distracted driving, such as loud music, goofing around with friends and checking text messages, must also be brought up. Parents can lead by example by ensuring when their teens are behind the wheel, they avoid bad driving habits, especially when other young people are in the car.

One of the most important conversations parents can have with their children is that if using alcohol or drugs at a party, make sure to have a designated driver, sleep over or use Uber or Lyft. While the use of these apps has increased, providing rides when needed, some still insist on getting behind the wheel after drinking. With the holidays around the corner, incidents of people too impaired to drive will inevitably increase. A car can always be retrieved from where it was left the night before, but a life can never be replaced.

With the cooler weather here, there is another traffic safety reminder for people of all ages to heed. It’s the beginning of mating season for deer, also known as rutting season. The animals can run out on the road without warning. Usually when a driver sees one, there may be another or a few right behind the first, especially around dusk. When one is spotted, proceed with caution — and respect deer-crossing warning signs.

Dangers on our roadways seem to be increasing every day, but with a little bit of education and care, we can make our roads safer for all.