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Article provided by Ken Marcus and Mitchell Barber
Insurance Leap-Frog:
The Game of the Decade
While talking to your friends, neighbors and family has the topic of conversation changed to the high cost of insurance. Everyone’s Home and Auto insurance premiums have gone through the roof, regardless of whether they have filed a claim. A result of the pandemic is that folks are running to switch to a lower priced carrier…..only to have the new carrier then raise that premium. And, so the game continues. We leap to the next carrier.
Insurance is a pool of money. Customers pay money into the pool and the pool pays out to cover claims. Unfortunately, over the last few years, the pool has gone dry. Unfathomable weather events have surprised insurers. No one could expect wild-fires to erupt in more than 20% of the country. Nor could we expect an unprecedented number of tornados or Cat 4 and 5 hurricanes. And, no, these occurrences aren’t just elsewhere. New York saw over 20 tornados
MARCUS
this past year or so, as well as wild fires and torrential rains that drowned people in their basements and swept parts of the West Point highway down into the Hudson.
Auto insurers have paid out Comprehensive claims due to these weather events. Additionally, regular collisions cost insurers more than they’ve ever paid out before. Not only are the nuts on the road causing more accidents, but cars also cost more to repair due to advanced technology and
parts shortages. So, what is the consumer to do when they learn that their neighbor pays half of what they do? First, realize that no two people are the same, nor are any two policies. Seldom are two ‘identical’ policies, issued by different companies the same. Intrinsic coverages are often hugely different. So, too, are each of our individual needs. What is suitable coverage for one person is grossly inadequate for another person and too much insurance for another.
What should you do?
Talk to insurance agents until you find the one you’re comfortable with. This should be no different than choosing your doctor. A good agent will learn about you, what you stand to lose, and what risks you present. Then, a proper line of coverage will be prescribed. Next, don’t compare the prices of different quotes but, rather, compare the different prescriptions. Choose the agent and policy based on the best value for reasonable coverage.
Following two successful years and over two dozen stops across Senate District 5, Senator Rhoads is bringing his Mobile Office Hours back by popular demand— offering constituents even more opportunities to speak one-on-one with their State Senator at convenient local library locations.
“Accessible leadership means being present, listening, and staying connected to the people you serve,” said Senator Rhoads. “These Mobile
Office Hours give me the chance to hear directly from you about the issues that matter most—and that’s what drives my work every day. I’m excited to continue these conversations across the district.”
Appointments are required by calling Senator Rhoads’ District Office at 516-882-0630, though walk-ins will be welcomed if time permits. Dates and times are subject to change without notice so please call Senator Rhoads’ District
Office to verify.
Upcoming Mobile Office
Hour Dates:
Wednesday, August 27
6:00–8:00 PM
Plainview-Old Bethpage
Public Library – 999 Old Country Rd, Plainview Tuesday, September 30
6:00–8:00 PM
Levittown Public Library – 1 Bluegrass Ln, Levittown
Wednesday, October 8
6:00pm - 8:00pm
Seaford Public Library —2234 Jackson Ave # A, Seaford, NY 11783
(NAPSI)—The next time you’re commuting to work, taking the family on a road trip, or even just learning to drive, chances are you’ll be sharing the road with large trucks; fortunately, there are safe ways to do so.
Sharing the road means also sharing the responsibility to drive in a way that keeps everyone safe. Poor driving habits or driving while distracted puts everyday drivers, truckers and others such as highway maintenance workers at risk.
So how to coexist safely?
Try These Tips
Tip 1: If you can’t see the truck driver, they can’t see you. Can’t spot the truck driver in their side mirror? This means you’re following too closely in the truck’s blindspot and need much more space. Keep a safe distance (the length of half a football field) between your car and a truck.
Tip 2: Be patient. Many trucks have a speed limiter that prevents them from traveling more than 65 miles per hour. Tailgating won’t make a truck driver go any faster and instead puts you both in dangerous positions.
This tip also applies to trucks making turns or backing up. Many cars try to squeeze past or around a truck when the truck driver needs only a few seconds to complete a maneuver. The truck isn’t leaving a lane or space open for other drivers—it’s leaving room for the back trailer to follow. Why risk injury or damage to your vehicle when it only takes a few seconds for a truck to clear the intersection or enter a loading dock?
“I’ve had incidents where I was backing into a loading dock and a car drove down into the dock and out again just to get around me,” says Tom Blad, hardware technician at Trimble and former truck driver. “Simply because I was
going to block their path for three or four seconds.”
Tip 3: Spend as little time driving beside a truck as possible. Traveling alongside or pacing a truck can be very dangerous due to the risk of a tire blowout—either the truck’s tire or your own.
In fact, the NHTSA tracked more than 550 fatalities in 2022 from tire-related accidents. A single semitruck tire weighs 500 pounds—certainly not an object you’d want hitting your car. If your own tire blows out, your vehicle may end up under the truck next to you.
“Lingering next to a truck creates a dangerous situation where you may be sideswiped by the truck if it swerves or attempts to change lanes,” explains Gary Falldin, senior director of industry solutions at Trimble and the Minnesota Trucking Association’s 2016 Safety Professional of the Year.
“Move at a safe and steady speed until you’re far enough past the truck to change lanes.”
Tip 4: Stay out of the “no zones.” Due to their large size and height, trucks have four significant blind spots around the truck: in front, behind, and along both sides.
When passing a truck, don’t immediately return into the lane in front of a truck. Make sure you can see the full truck—from its
tires on the road to the tip of its roof—in your rearview mirror first.
Many drivers don’t know that the right side of a truck is more dangerous than the left. With the steering wheel positioned on the left, the truck driver has less visibility over the hood and into the right lane. Remember to always pass trucks on the left (as long as it’s safe to do so).
Tip 5: Avoid the back of trucks. One of a truck’s most perilous “no zones” is located behind the trailer. While it’s not smart to tailgate or zip into gaps behind trucks on the go, this rule also applies when a truck is reversing on or off the road. Keep this in mind when driving and walking through parking lots or other roads.
“I can’t tell you how many times cars have tried to zip around behind me— it’s extremely dangerous,” says Matt Carter, Certified Transportation Professional, a Trimble sales engineering manager who also works as a hazardous material driver on weekends. “Just try to avoid the rear of a semitruck altogether.” Learn More
For additional tips, check out the Sharing the Road Program from Virginia Tech Transportation Institute. For information on Trimble, visit https:// transportation.trimble. com.
Seaford High School’s marching band will pay homage to cinema this year, and the 107 musicians and color guard members have already begun learning this year’s show. The annual marching band camp was held from Aug.
4-7 and this year’s theme is “Seaford Goes to the Movies.”
On the turf field, students practiced the marching formations, while song rehearsals mostly took place in the music rooms. The show,
which will be just under 10 minutes, will feature music from “Avengers,” “High School Musical,” “Jurassic Park,” “Pirates of the Caribbean” and “Star Wars.” It will be presented at the four home football games as well as the
annual Newsday Marching Band Festival in October. The marching band also is part of the homecoming parade.
Leading this year’s camp were high school band directors Christopher Coniglio and Dr. Anthony
Romeo, middle school band directors Nicholas Coacci and Caroline Feryo, elementary band teacher
Daniel Krueger and Seaford alum and 2021
Photos courtesy of the Seaford School District
All-State musician Angela Dean. Drum majors are seniors Cameron Calderaro and Brian Karaman. The camp featured several dress-up themes including America day and twin day, and culminated with a sneak peak of the show for families.
Seaford High School band and color guard members practiced the formations for their annual show during the
State Utilities is a major oil dealer on Long Island providing heating fuel to residents and businesses in Nassau and Suffolk County; we offer on-line fuel ordering, delivery, and full service heating oil contracts.
State Utilities takes pride in supplying fuel you need to heat your home and/or office to the comfort level you desire. Winter can be long and brutal, and should your burner fail to start it can become a crucial disaster. It is comforting to have full service during this disruption by contacting us by telephone or Email, no matter what the weather outside.
Celebrating 74 years in business, we are grateful to the many generations of loyal customers who have entrusted State Utilities with their interior comfort. Thank you.
Summer Fun for Kids on
Sunday, August 24, from 2 to 7 PM on the museum grounds, 3890 Waverly Ave., Seaford. Bounce houses, kids’ games, face painting, Creatures of the Bay touch and feel, and “The Truck” food truck and ice cream truck. Rain date: Sunday, September 7th.
Thursday Sept 25 at 6:30PM at the museum 3890 Waverly Ave, MUSIC BINGO. $25 for 2 bingo cards. Bring your own beverage; no outside food allowed. Tickets on sale Sept 2. Venmo names and fee to Judith_Bongiovi after Sept 2 or send check AND names to Seaford
Historical Society PO Box 1254, Seaford, NY 11783
Thursday Oct 9 at 7PM at the museum 3890 Waverly Ave Tom Watson of the Wantagh Preservation Society will talk on the History of Wantagh.
Thursday Nov 13 at 7PM at the museum 3890 Waverly Ave Chef Hal Udell will give a live cooking demonstration. Free to members; nonmembers $5; Raffles and refreshments.
For more information, please call Judy Bongiovi, 516-783-8629
The New Orleans Musicians Clinic reports that listening to jazz music can expand blood vessels by up to 30 percent. Widening of blood vessels increases blood flow and lowers blood pressure. Maintaining a
healthy blood pressure is important, as the Mayo Clinic notes that unchecked high blood pressure can lead to complications such as heart attack, stroke, heart failure, and/or dementia.
SAT., AUGUST 23rd
10:00AM–3:00PM
ST. PATRICK’S CHURCH THRIFT SHOP/YARD SALE
(Rain or Shine) Thrift Shop Special Event “Pack A Bag” ($5.00) Many new items in all categories. 305 Carll’s Path in Deer Park. New and gently used women’s, men’s and children’s clothing and shoes as well as home goods. For more information, please call 631-2427530
6:00PM-10:00PM
STONY BROOK FIRE DEPARTMENT COUNTRY NIGHT FUNDRAISER
Live music, line dancing, food, drinks, Raffles & fun! General Admission $35. Food, Beer, Water/Soda included in ticket purchase 1410 Stony Brook Rd. Stony Brook, NY 11790. For more information, visit https://stonybrookfdfundraisers. squarespace.com/
SAT., AUGUST 23rd
SUN., AUGUST 24th
10:00AM-5:00PM FARMINGDALE VENDOR FAIR ON THE VILLAGE GREEN
361 Main St. in Farmingdale. Free Event. Family shopping fun and a great way to spend the day! For more information, please call 516-442-6000
SUN., AUGUST 24th
1:00PM-5:00PM
OPEN HOUSE
Join Us for the Science of Spirituality Meditation Center's 21st Anniversary Celebration Open House. An amazing day featuring special guest speakers,
Events must be submitted at least two weeks prior to the event date and will run free of charge on a space available basis. For more info, call 631.226.2636 x275 or send events to editorial@longislandmediagroup.com
introductory meditation sessions, vegetarian cooking demos, yoga demonstrations, live music, a tour of the garden & grounds, an outdoor picnic, and more. Open to all and free of charge. For more information, please call 631-8227979, Infotristate@sos.org. Science of Spirituality Meditation Center, 79 County Line Road in Amityville.
2:00PM
SHAKESPEARE IN THE PARK SERIES AT BAYARD CUTTING ARBORETUM, GREAT RIVER
Islip Arts Council and Studio Theater of Long Island Shakespeare Troupe present "Much Ado About Nothing," a comedy by William Shakespeare. This limited engagement will be performed FREE. *Schedule subject to change Shakespeare in the Park is made possible through a grant from the Suffolk County Office of Cultural Affairs. For more information visit Isliparts.org, or call 631-888-3525
TUES., AUGUST 26th
12:15PM FREE BROWN BAG CONCERT SERIES
Tuesdays at the Bay Shore Band Shell, 80 East Main Street in Bay Shore. Chasing Time / Music of the 60's 70's and 80's. For more information, please call the Islip Arts Council 631-888-3525
WED., AUGUST 27th
5:00PM-8:00PM
DROP-OFF DRUG EVENT
International Overdose Awareness Day. The Lindenhurst Moose Lodge, Lindenhurst Community Cares, CASJ, and Suffolk County Police C.O.P.E.
have joined forces to create a united front in preventing addiction and overdose deaths in our community. Please bring your prescription medications for safe disposal to: Lindenhurst Moose Lodge #1421, 883 South Broadway, in Lindenhurst. Anyone who drops oft medicine will receive a raffle ticket for a prize! Together we can make a difference!
THURS., AUGUST 28th
6:00PM-7:00PM PAUMANACKE GARDEN CLUB PROGRAM
Pauley the Plant Man will speak on 'Early Fall Gardening.' No preregistration necessary. Refreshments served after the program. Wantagh Public Library, 3285 Park Avenue in Wantagh Questions? Contact paumanackegc@gmail.com
SAT., AUGUST 30th
12:00 Noon
AMITYVILLE PORCH MUSIC DAY
Go porch-to-porch in the Village to hear live music! See map of porch/ band locations at Amityville.com. To sign up a band/porch email us at Mayor@amityvil le. com. For more information, please call Village Hall 631-264-6000
THRU SAT., AUGUST 30th
DURING LIBRARY HOURS
PHOTOGRAPHY EXIBITION at the East Islip Library. Perspectives in Photography” is a diverse visual interpretation of the world as seen by Rick Jacobs. East Islip library, 381 East Main St, in East Islip. 2nd fl. The event is free. For more information, please call 631-581-9200
Join the Long Island Health Collaborative, Long Island Greenbelt Trail Conference, and AARP
Long Island at 9 AM on the last Friday of August, and September for HEALTHY HIKES, free community hiking events! Physicians will briefly discuss tips for better health before accompanying attendees and a trail guide on a hike where you can hike and talk with the doc! Please register in advance so we can best accommodate.
Take a hike with us on this summer and early fall for better health, no matter what your age or experience level.
AUGUST Healthy Hike: Connetquot River State Park Preserve
Address: 4090 Sunrise Hwy, Oakdale, NY 11769
Date: Friday, August 29, 2025
Time: 9:00 AM
Lead Physician:
Konstantinos Spaniolas, MD, Director of Stony Brook Medicine’s Bariatric
and Metabolic Weight Loss Center; Professor of Surgery at Stony Brook University
Walkers meet: in main parking lot
In-Person AARP
Registration Link: https://events.aarp.org/ healthyhikeLIaugust
SEPTEMBER Healthy Hike: Hempstead Lake State Park
Address: Eagle Ave, West Hempstead, NY 11552
Date: Friday, September 26, 2025
Time: 9:00 AM
Lead Physician: Olufunmilayo C. Eleanya MD, Clinical Assistant Professor, Division of Trauma & Acute Care
Surgery, Department of Surgery at NYU Grossman LI School of Medicine
Walkers meet: in main parking lot
In-Person AARP
Registration Link: https://events.aarp.org/ healthyhikeLIseptember
What makes our hikes so
healthy? In addition to the many physical and mental health benefits of hiking, our Healthy Hikes are held through the LIHC’s Walk with a Doc chapter. This means our hikes are led by a physician who will deliver health education about a different topic every month before joining walkers on the hike. Walk with a Doc is a national program that offers free physicianled walking events in communities around the world, and we’re proud to
bring these events to our Long Island neighbors. Get in some steps, talk with our docs along the way, and learn about the actions you can take now to live a healthier life for good.
For more information about Walk with a Doc, contact Brooke Oliveri, Manager of the Long Island Health Collaborative at boliveri@nshc.org or call 631-963-4167.
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