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Photo from Wikimedia Commons

By Daniel Dunaief

Daniel Dunaief

I heard from a friend, who heard from another friend whose neighbor’s cousin is the babysitter of someone who works in Congress. So, it has to be true.

Here’s the deal: I know some of the concessions Kevin McCarthy (R-CA) made to become speaker of the house.

The person who heard it fourth hand was in the bathroom, minding his own business, trying, from what I understand, to make his best guesses at Wordle on his phone while battling an upset stomach when three of the principal negotiators in the process entered the bathroom and spoke in whispers.

The first concession is that McCarthy must begin each day by saying the words “we are all equal, but some are more equal than others,” at which point he’s supposed to subtly make the letters G and O in sign language with his hands to show that he’s thinking about “Animal Farm” author George Orwell.

Then, he has to look at the audience carefully to see if Rep. Matt Gaetz (R-FL) has had a bad night. If Gaetz gives him a particular signal, he’s not allowed to bang his gavel too loudly, to prevent a headache from getting worse.

Once he’s gotten everyone’s attention, he then agreed that he’ll lead the house in the Pledge of Allegiance, pausing when he reached the “under God” section to make it clear that religion is not only okay, but that many people, particularly those who might not have otherwise voted for him, believe in God.

When President Joe Biden (D) gives his state of the union address, he will give at least 15 head shakes, five winces and nine arched eyebrows. At the end of the speech, to defend former president Donald Trump (R), he plans to take a page out of the previous speaker’s playbook by picking up the copy of Biden’s speech and tearing it up in disgust as it were the first chapter of a book he’d like to ban from libraries around the country.

Speaking of beyond belief, McCarthy has then agreed that if Rep. George Santos (R-NY), whose name might have changed by the time this is relevant, is still in the house, McCarthy should ask him to sing a few songs.

For starters, according to Santos’s resume, he has won at least three Grammy awards, which means he has a wonderful and lyrical singing voice.

When things get too tense during deliberations with other Republicans, let alone the Democrats who are ruining the government and the country, McCarthy has a playlist for Santos. He’s going to sing the Meghan Trainor song, “Lips are Movin,” with a slight modification in the wording.“If my lips are moving, then I’m lyin’, lyin’, lyin’, baby.”

If things continue to be tense for hours, as a politician continues grandstanding, Santos can provide a Billy Joel encore, again with a slight tweak:

“Honesty is such a lonely word

I am certainly so untrue

Honestly is hardly ever heard

And rarely what I give to you.”

Following the example of Trump, McCarthy also agreed to hug a flag in public at least three times a year, to normalize the behavior and to demonstrate his commitment to America and the country’s values.

He also promised to support at least 13, for the original colonies, investigations in his first year as speaker, with a commitment to at least another dozen in his second.

Finally, in a subtle gesture meant to celebrate the political right, he planned to stand to the right of the podium and only to hit the gavel with his right hand while pausing to emphasize the word “right” every time he utters it.

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'Spare;

By Leah S. Dunaief

Leah Dunaief

Why are we Americans so fascinated by the British royal family? Well, surely not all of us are, but enough to make even the staid The New York Times write daily stories about Prince Harry and Meghan leading up to the release of Prince Harry’s book, “Spare,” this past Tuesday. On that day, the story went front page and continued on an entire broadsheet inside page. Just about every news outlet has covered the Prince Harry and Meghan Show.

In the interest of full disclosure, I have read each and every story in the New York Times. So I’m trying to figure out the appeal for myself and those who are similarly addicted. It’s not as if we would want to have a king or queen in the United States. Heaven forbid. So what, then?

Maybe it has to do, like most eccentricities, with our early childhoods. Shortly after I learned to read, I loved fairy tales about princes and princesses, wicked stepmothers and dragons. Thanks to the Brits, we have a replay of such stories for our adult lives. Well, sort of. It depends to whom one assigns the role of dragon. 

But in fairy tales, they live happily ever after. For us adults, the royals’ stories have a reality component. We know there is no such thing because we all have families. And families disappoint each other, fight with each other, malign and divorce each other and otherwise disgrace each other. But families don’t usually put their “dirty linen” out in public. Yet here is that gilded group, in theory living the best possible lives as kings and queens, princes and princesses, causing each other unbelievable grief. It’s a rom-com gone dystopic.

The other part of this drama is its permanence. Like the soap operas of old, the stories just keep unfolding as time progresses. Again, in my elementary school years, when I would come down with some infectious disease, my mom would prop me up with lots of pillows in my parents bed, and I would listen to the half-hour soaps on the radio. Sometimes my mother would come into the bedroom to listen to one of her favorites. (Incidentally, that was before television.)

She was totally hooked on “Our Gal Sunday,” whose preamble each day would ask the question, “Can this girl [named Sunday] from a little mining town in the West find happiness as the wife of a wealthy and titled Englishman?” This may offer a clue to our captivation with the British Royals. In the case of Harry and Meghan, she, of course, is an American. While she doesn’t come from a little mining town in the West, she doesn’t have that as a strike against her, she is biracial, an actress and divorced. 

Divorced! Divorce prevented Wallis Simpson from becoming Queen. Divorced caused Princess Margaret to lose her true love, Peter Townsend. And although Diana and Charles were finally allowed to get divorced, that was only as a relief from the constant acrimony. 

As far as being an actress, Prince Philip, Harry’s grandfather, was quoted as having advised Prince Harry, “We don’t MARRY actresses.”

And what can we say about biracial? A glimpse into racial attitudes among the court was the recent kerfuffle involving Queen Elizabeth’s former lady-in-waiting, Susan Hussey, and her insistent questioning of a Black British guest at Buckingham Palace as to where her family came from. The implication was decidedly not Great Britain. Hussey was stripped of her duties and publicly apologized.

So the current situation with the Duke and Duchess of Sussex, who have chosen as their refuge the (usually) sunny shores of Southern California, has many threads of interest for Americans. And probably the real appeal of the current tribulations of the House of Windsor is its relief from the hard, very hard, news of our time: the war in Ukraine, the immigration mess at the southern border and the spread, denial not withstanding, of the coronavirus, influenza and respiratory syncytial virus (RSV) germs.  

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Statue of Liberty. Stock photo

After over a decade in dormancy, the Port Jefferson Civic Association was resurrected Monday, Jan. 9.

PJCA joins the vibrant civic community throughout the TBR News Media coverage area. From Port Jefferson Station/Terryville to Three Village, Mount Sinai to Sound Beach, Centereach to Selden, and Smithtown to Huntington, civic associations work to improve this area continually.

Civic associations perform a critical public service. We often find powerful and monied interests run roughshod over ordinary folk. With their legal teams, public relations personnel and deep pockets, these special interests often do as they please — with the tacit or even express approval of local politicians.

But who is there to represent the citizens? Who ensures that the people are heard and that their will is implemented by local government? The civic associations.

In our democracy, the people are sovereign. The people empower the politician to carry out their will. But this is often not the case as politicians sometimes advance their own agendas out of a sense of grandiosity and self-importance.

A well-organized civic association serves as a valuable check on power. Through its members, the civic body comes to represent the shared values and interests of the community, directing local officials toward more representative policy outcomes.

Some of the best-informed and most engaged citizens are civic members. For this reason, they offer valuable feedback to local politicians. Civic associations, therefore, benefit and enhance local government.

Moreover, a civic association is a platform for residents to stay up to date and informed on local topics such as future planning, development proposals and redistricting. Through this forum, members can exchange ideas, debate pertinent issues and identify potential solutions. 

We hold that a bottom-up approach is necessary. Power, policy and vision should come from the people, not the politicians. Through the discussions at civic meetings, elected representatives can carry the people’s collective vision into fruition. The civic-centric model represents the ideal of local governance.

The staff of TBR News Media congratulates the members of the Port Jefferson Civic Association. We look forward to following their work and the continued successes of civic groups throughout our coverage area. 

For those who are not affiliated with a local civic, we highly encourage you to join. Now is your opportunity to get involved, to make your voice heard and to leave a positive mark on your community.

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Hubie
Schubie
Dubie

MEET HUBIE, SCHUBIE AND DUBIE!

This week’s shelter pets are guinea pigs Hubert aka Hubie, Schubert aka Schubie and Dubois aka Dubie, currently up for adoption at the Smithtown Animal Shelter.

These 3 guinea pigs are all males of unknown ages.  They are a bit dominant together, so they can be adopted separately. All three were abandoned in Blydenburgh Park and left to fend for themselves. This is certain death for a guinea pig! Luckily, a Good Samaritan witnessed it and called it in.

Hubert is the tan and white – shy and gentle

Schubert is tri-colored (calico) very curious and vocal, he is still nervous about pets but will take treat from people and sniff/nibble on fingers.  He is the largest

Dubois is the smallest of the trio and is the most active/playful.  He will run and hop about the cage and is really beginning to enjoy head scratches.

The Smithtown Animal & Adoption Shelter is located at 410 Middle Country Road, Smithtown. Visitor hours are currently Monday to Saturday from 10 a.m. to 3 p.m. (Sundays and Wednesday evenings by appointment only). For more information, call 631-360-7575 or visit www.townofsmithtownanimalshelter.com.

**Please note the Smithtown Animal Shelter is not equipped to handle anything other than dogs/cats but as all rescues were full, they are holding these guinea pigs until they can get a place for them.

 

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METRO photo

Sparkling wines are made by sealing the beverages before the fermentation process is complete, causing the effervescent bubbles that is their hallmark. Sparkling wines are produced in various regions of the world, but “champagne” is unique to the Champagne region of northeast France, where vines were introduced by the Romans many centuries ago.

One of the most legendary and heralded brands of champagne was created by a French monk named Pérignon. Historians say Pérignon lived from 1638 to 1715 and was admitted in his lifetime to the abbey of Saint-Vanne. He acquired the honorary title of Dom while there, and also served as cellar master, creating what later would be known as the “vins de Pérignon.” Dom Pérignon champagne is still a prestigious brand today, joined by other leaders of the industry like Moët & Chandon, Veuve Clicquot, Nicolas Feuilatte, and Pol Roger. French champagnes are part of elegant toasts, A-list events and five-star dining experiences. They also may be poured on New Year’s Eve. All champagne is sparkling wine, but not all sparkling wine is champagne.

Enjoying champagne on its own in the requisite stemmed glass is tradition, but champagne also can be mixed into any number of cocktails — from bellinis to mimosas. This “Blood-Orange Champagne Cocktail” is a variation on the classic mimosa, and doesn’t necessarily need to be enjoyed at brunch. The blood-orange juice turns what would ordinarily be a mimosa into a lovely ruby-tinted cocktail. Serve it on New Year’s Eve, or for any special occasion, courtesy of Martha Stewart.

Blood-Orange Champagne Cocktail

INGREDIENTS:

21⁄4 cups freshly squeezed or frozen blood-orange juice

2 750-ml bottles champagne, chilled

DIRECTIONS:

Pour 3 tablespoons juice in each champagne flute. Fill flutes with champagne, and serve.

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Pixabay photo

By Nancy Burner, Esq.

Nancy Burner, Esq.

Various types of property, such as bank accounts and real estate, can be owned jointly with another person(s). Depending on the type of joint ownership, the property may pass automatically to the joint owner, outside of probate and those named in the will.

A will only governs assets in the decedent’s sole name that do not have a designated beneficiary. For example, if a co-owner of a checking, savings, or deposit account were to pass away, the account would automatically become solely owned by the surviving owner, outside of probate, and the will of the deceased owner would not apply.

Real estate can be jointly owned in several different ways, each coming with a different set of rules:

Joint Tenancy: Also known as “Joint Tenancy with Rights of Survivorship,” Joint Tenancy provides that upon the death of a joint owner, that owner’s share automatically goes to the surviving joint owner and does not pass through probate and is not governed by a will. 

For example, if Mary and Bob owned property as Joint Tenants and Bob passed away, Mary would automatically become the sole owner even if Bob’s will directed that all his property should pass to his children. When Mary passes away the property would pass according to her will since she is now the sole owner. The main advantage of Joint Tenancy is that it avoids probate upon the death of the first Joint Tenant and probate (the process by which the court verifies the validity of a will) is typically costly and takes several months to complete.

Tenancy by the Entirety: Tenancy by the Entirety is a type of joint tenancy only available between spouses and is valid in a few states including New York. As with Joint Tenancy, upon the death of the first spouse their interest automatically passes to the surviving spouse outside of probate and is not governed by their will. 

In addition to avoiding probate, Tenancy by the Entirety provides several protections in that one spouse cannot mortgage or sell the property without the consent of the other spouse, nor can the creditor of one spouse place a lien or enforce a judgment against property held as tenants by the entirety. 

Tenancy in Common: Here, there is no right of survivorship and each owner’s share of the property passes to their chosen beneficiaries upon the owner’s death. Tenants in Common can have unequal interests in the property (e.g. 50%, 40%, 10%) and when one Tenant dies their beneficiaries will inherit their share and become co-owners with the other Tenants. 

A Tenant in Common’s share will pass according to their will (if they have one) which means the nominated Executor will have to probate the will by filing a petition with Surrogate’s Court. However, a Tenant in Common can still avoid probate if their share of the property is held in trust, in which case the terms of the trust (rather than their will) would control how the property passes at death and no court involvement would be needed.

A comprehensive estate plan with an experienced attorney ensures that probate and non-probate assets work in harmony. In addition, there are capital gains consequences when transferring ownership interests during your lifetime — and such “gifts” should never be done without consulting an attorney or accountant. 

One of the biggest problems we see with DIY wills is the testator failing to account for the different types of ownership and what assets pass through the will.

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.

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METRO photo

By David Dunaief, M.D.

Dr. David Dunaief

Dear Santa,

It’s been a while since I wrote, and I know you have a lot of last-minute requests at this time of year, so I’ll keep this short.

Kids around the world look to you as a role model for kindness and generosity. That must feel pretty good.

They also marvel at your round belly, claiming that it shakes when you laugh like a bowl full of jelly. Then, they literally feed that belly by setting out cookies and other sweets for you on Christmas Eve.

I have nothing against your round belly, but I’m concerned about the message it sends. We’re currently facing an epidemic of overweight kids and an ever-increasing number of children with type 2 diabetes. According to the CDC, the percentage of children in the U.S. between ages 10 and 19 with type 2 diabetes nearly doubled from 2001 to 2017. You, Santa, with your influence, can help reverse this trend.

Obesity has a much higher risk of shortening a person’s life span, not to mention affecting their quality of life. The most dangerous type of obesity is visceral adipose tissue, which means central belly fat. An easy way to tell if someone is too rotund is if their waistline, measured from the navel, is 40 inches or more for a man and 35 inches or more for a woman. Risks for pancreatic cancer, breast cancer, liver cancer and heart disease increase dramatically with this increased fat.

Santa, here is your opportunity to lead by example (and, maybe by summer, to fit into those skinny jeans you hide in the back of your closet).

Think of the personal advantages of being trimmer. Your joints won’t ache with the winter cold, and you will have more energy. Plus, studies show that, with a diet that emphasizes fruits, vegetables and whole grains, you can reverse clogged arteries and avoid strokes, heart attacks and peripheral vascular disease. With a simple change, like eating a handful of raw nuts a day, you can reduce your heart disease risk significantly.

Losing weight will also change your center of gravity, which will make it easier for you to keep your balance on those steep, icy rooftops.

Exercise will help as well. Maybe this Christmas Eve, you could walk or jog alongside the sleigh for the first continent or so. As you continue to exercise during the “offseason,” you’ll start to tighten your abs and slowly see fat disappear from your midsection.

This might make it easier to steal a base or two during the North Pole Athletic League’s Softball season. The elves don’t even bother holding you on base anymore, do they?

Of course, the cookies don’t help. You might let slip that the modern Santa enjoys fruits, especially berries, and veggies, with an emphasis on cruciferous veggies like broccoli florets dipped in humus, which have substantial antioxidant qualities and can help reverse disease. And, of course, skip putting candy in the stockings. No one needs more sugar, and I’m sure that, over the long night, it’s hard to resist sneaking a few pieces, yourself.

As for your loyal fans, you could place active games under the tree. You and your elves could create an app with workout videos for those of us who need them, and we could follow along as you showed us “12 Days of Workouts with Santa and Friends.” Who knows, you might become the next Shaun T!

You could gift athletic equipment, such as baseball gloves, footballs and basketballs, instead of video games. Or wearable devices that track step counts and bike routes. Or stuff gift certificates for dance lessons into people’s stockings.

As you become more active, you’ll find that you have more energy all year round, not just on Christmas Eve. If you start soon, Santa, maybe by next year, you’ll be able to park the sleigh farther away and skip from chimney to chimney.

The benefits of a healthier Santa will ripple across the world. Your reindeer won’t have to work so hard. You might fit extra presents in your sleigh. And Santa, you will be sending kids and adults the world over the right message about taking control of their health through nutrition and exercise. That’s the best gift you could give!

Wishing you good health in the coming year,

David

P.S. If you have a little extra room in your sleigh, I could use a new pair of batting gloves. I hear the Yankees need help, and I’ve been practicing, just in case.

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.

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Child care. METRO photo

We often think of our country as the greatest in the world. In many ways, it is, but we are falling behind other first-world countries regarding health care costs, life expectancy, high-speed transportation and more.

Among our country’s greatest weaknesses is a lack of affordable child care options for parents.

Local Republican elected officials recently held a press conference on Thursday, Dec. 15, to raise awareness about this important issue. 

Their mission was to implore New York State Gov. Kathy Hochul (D) to include increased aid for child care services in the 2024 state budget. Hochul’s budget is still in its early stages and is expected to be released next month.

While the issue was addressed to an extent in last year’s budget, the elected officials said more needs to be done. Their plea is for the governor to consider how the cost of living varies throughout the state, with Long Islanders spending more than many of their fellow New Yorkers. 

For these reasons, a statewide child care eligibility level makes little sense for Long Islanders. If the statewide standard is not amended to reflect these differences, more people will flee this Island for more affordable regions of the state and nation.

In New York, more funding and incentives are needed to make child care more accessible for working parents, including building more facilities and encouraging employers to offer on-site options. We are seeing the exact opposite take place within our region, with many child care facilities cutting back their services or closing shop altogether.

The low salaries of those working in the industry also need to be corrected. Many are making minimum wage or close to it. It’s inexcusable that those responsible for taking care of children are paid so poorly that they can make the same or more while working for a fast-food restaurant or retailer.

The onset of the pandemic demonstrated how vital child care is to families. While many worked from home, those deemed essential workers, such as people in the medical, emergency, media and food industry fields, could work on-site. Child care facilities remaining open for these workers enabled them to continue providing residents with necessary vital services.

At the same time, many businesses deemed nonessential were shut down. With employees working from home, child care services experienced a drop-off in enrollment. The result was a decrease in cash flow, creating financial burdens on many facilities and several shutting their doors for good.

In addition to helping families afford these services, it’s imperative that our child care providers and professionals receive the financial support they need to open centers and keep them open with properly paid staff members. These are all serious red flags for our regional economy.

On-site day care is more than babysitting. The benefits of attending a child care center include improved social-emotional skills and children who are better prepared for elementary school.

The need for more child care assistance for Long Islanders should be a nonpartisan issue, something every elected official should be rallying for in the near future. We hope to see more public leaders speak up about the need and get behind any legislation to improve child care in our state.

The financial stability of New Yorkers — and most importantly, our children’s futures — depend on it.

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METRO photo

By Michael Christodoulou

If you receive Social Security, you’ve probably already heard that your checks in 2023 will be bigger — considerably bigger, in fact. How can you make the best use of this extra money?

Here’s what’s happening: For 2023, there’s an 8.7% cost-of-living adjustment (COLA) for Social Security benefits — the largest increase in 40 years. Also, the monthly Medicare Part B premiums are declining next year, to $164.90/month from $170.10/month, which will also modestly boost Social Security checks for those enrolled in Part B, as these premiums are automatically deducted.

Of course, the sizable COLA is due to the high inflation of 2022, as the Social Security Administration uses a formula based on increases in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). So, it’s certainly possible that you will need some, or perhaps all, of your larger checks to pay for the increased cost of goods and services. But if your cash flow is already relatively strong, you might want to consider these suggestions for using your bigger checks:

Reduce withdrawals from your investment portfolio. When you’re retired, you will likely need to withdraw a certain amount from your portfolio each year to meet your expenses. A boost in your Social Security may enable you to withdraw less, at least for a year. This can be particularly advantageous when the markets are down, as you’d like to avoid, as much as possible, selling investments and withdrawing the money when investment prices are low. And the fewer investments you need to sell, the longer your portfolio may last during your retirement years.

Help build your cash reserves. When you’re retired, it’s a good idea to maintain about a year’s worth of the amount you’ll spend from your portfolio in cash, while also keeping three months’ of your spending needs in an emergency fund, with the money kept in a liquid, low-risk account. Your higher Social Security checks could help you build these cash reserves. (Also, it’s helpful to keep another three to five years’ worth of spending from your portfolio in short-term, fixed-income investments, which now, due to higher interest rates, offer better income opportunities.)

Contribute to a 529 plan. You could use some of your extra Social Security money to contribute to a tax-advantaged 529 education savings plan for your grandchildren or other family members.

Contribute to charitable organizations. You might want to use some of your Social Security money to expand your charitable giving. Your generosity will help worthy groups and possibly bring you some tax benefits, too.

While it’s nice to have these possible options in 2023, you can’t count on future COLA increases being as large. The jump in inflation in 2022 was due to several unusual factors, including pandemic-related government spending, supply shortages and the Russian invasion of Ukraine. It’s quite possible, perhaps even likely, that inflation will subside in 2023, which, in turn, would mean a smaller COLA bump in 2024.

Nonetheless, while you might not want to include large annual COLA increases as part of your long-term financial strategy, you may well choose to take advantage, in some of the ways described above, of the bigger Social Security checks you’ll receive in 2023. When opportunity knocks, you may want to open the door.

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

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