Get banks to give Sandy victims a one year grace period on their mortgages
  • Petitioned To All Our Elected Officials

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To All Our Elected Officials

Get banks to give Sandy victims a one year grace period on their mortgages

    1. Dennis McKeon
    2. Petition by

      Dennis McKeon

      Staten Island, NY

When the auto industry got themselves in trouble they got a bailout.

When Wall St. got themselves in trouble they got a bailout.

When the Banks and Insurance companies got themselves in trouble they got a bailout.

When hard working tax paying citizens lose everything through no fault of their own they get ignored.

Welcome to Disaster Recovery 101.

I cannot believe that the same insurance companies are making it almost impossible for victims to reclaim their losses.

I cannot believe why the same banks that we bailed out are now holding up whatever checks the insurance companies are cutting when the victims need the money now.

And I am not only talking about home owners but small business owners as well.

I think they are just as important as the auto industry as they are the backbone of our local communities.

Here is my simple solution.

It’s kind of a bailout that is not actually a bailout.

We need the government to step in and ask the mortgage holders to give the property owners a one year Grace period to get back on their feet.

One year payment free period that would be back loaded at the end of their mortgages.

If the banks don’t agree the government should set up a fund to give interest free loans with the sole purpose of paying the mortgages for one year.

These loans would be due one year after the mortgages are paid off or when the properties are sold.

The government should also supply any lawyers to make this work so that the victims would not incur any additional legal fees.

It may not be the greatest solution but at least it will ease the financial pressures of the victims and allow them to work through the roadblocks currently being set up by the insurance companies and banks.

The victims deserve a break.

To:
To All Our Elected Officials
Get banks to give Sandy victims a one year grace period on their mortgages

Sincerely,
[Your name]

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    • Anita Kanitz STUTTGART, GERMANY
      • 9 months ago

      Tropical Air, Winds, and Rain: All About Hurricanes

      Meteorologists, or experts who study weather patterns, classify rotating weather systems based on intensity, including tropical depressions, tropical storms, and the most intense storms whose names vary according to geographical region. Meteorologists who use the Beaufort scale in the Northwestern Pacific region refer to these intense weather systems as typhoons, because they harness sustained winds exceeding 74 miles per hour. Meteorologists who use the Saffir-Simpson scale in the North Atlantic region refer to them as hurricanes. Meteorologists in the Southern Hemisphere and Indian Ocean refer to these storms as cyclones. Hurricanes, typhoons, and cyclones form and intensify over tropical and subtropical regions. The air from these weather systems spirals inward in a counterclockwise fashion, and generally weakens with the height of the storm. The outflow of the spiraling winds starts to turn in a clockwise fashion near the top of the storm. Hurricanes, typhoons, and cyclones have a reputation of causing costly and deadly aftereffects for unprepared regions throughout the world.

      Classifications

      Meteorologists in the North Atlantic region employ the Saffir-Simpson scale to measure the intensity of hurricanes, specifically the strength and potential damage they may cause in a geographical region. National and local public broadcasts typically alert residents of a geographical region about a hurricane's projected path, classification, and damages they may have caused in the past. The National Oceanographic and Atmospheric Administration officially categorize hurricanes in five different classifications based on wind speed, storm surge, and projected damages.

      A category one hurricane produces sustained winds ranging between 74 and 95 miles per hour with a storm surge reaching upwards of five feet. Residents living in an area affected by a category one hurricane will experience minimal damages to their personal property. A category two hurricane produces sustained winds ranging between 96 and 110 miles per hour with a storm surge reaching upwards of eight feet. Residents who live in an area affected by a category two hurricane will suffer moderate damages to their personal property. A category three hurricane produces sustained winds ranging between 111 and 130 miles per hour with a storm surge reaching upwards of twelve feet. Residents living in an area affected by a category three hurricane may suffer extensive damage to their personal property, and may incur bodily harm in some cases. A category four hurricane produces sustained winds ranging between 131 and 155 miles per hour with a storm surge reaching upwards of eighteen feet. Residents living in an area affected by a category four hurricane should evacuate their homes to avoid incurring serious injuries. A category five hurricane produces sustained winds of 155 miles per hour or greater with a storm surge reaching beyond eighteen feet. Residents who live in an area affected by a category five hurricane will suffer catastrophic damages that will likely kill any inhabitants within the region.

      Naming

      Hurricanes, typhoons, and cyclones have existed since before the dawn of man. People only started to name these weather systems a few hundred years ago in the West Indies. In the United States, the National Weather Service started naming them during the 1950s, specifically in 1953 when female names were used to name storms. The National Weather Service continued this trend until 1979, when they decided to implement male names after these intense weather storms.

      The naming process consists of selecting each letter in the alphabet and assigning a name, except for “Q,” “U,” “X,” “Y,” and “Z.” For storms originating in the Atlantic Basin, the names may carry French, Spanish, and English roots. The World Meteorological Organization decides the names of hurricanes, typhoons, and cyclones each year. This meteorological organization tends to rotate these lists every six years, which means the 2012 hurricane name list will be reused in 2018. The only time it retires a name is if the hurricane becomes very deadly or costly.

      Structure and Size

      Hurricanes have three main features, including the eye, eye wall, and rain bands. The eye of the hurricane functions as the center of the storm. People report a calm, peacefulness to the eye of the storm, with light winds of less than 15 miles per hour. The eye of a hurricane stretches between twenty and forty miles across; however, they can also have a very small circumference of only a few miles. Conversely, the eye of the hurricane can also expand greater than forty miles. The eye of the storm does not usually develop until after it has gained strength of more than 74 miles per hour. The eye also signifies that the storm has become strong, and well-organized.

      The eye wall surrounds the eye of the storm. It produces the strongest winds and torrential rainfall, which makes it the most damaging part of the storm. The eye wall consists of several deep convective thunderstorms that make up a complete ring around the eye. As the hurricane grows and changes its formation, it builds concentric walls that replace the first formation of the eye wall. The changes in the eye wall pose the greatest challenge for meteorologists who attempt to forecast the intensity of the storm.

      The hurricane's rain bands consist of long arches of clouds and thunderstorms that branch out from the eye wall. The storm's rain bands produce heavy bursts of wind and rain. In addition, rain bands form on the outskirts of the hurricane's structure. The winds contained within these rain bands decrease as they move further away from the eye wall. Rain bands produce tornadoes, which can be deadly for those living onshore. Rain bands also have gaps that have no wind or rain.

      Formation of the Hurricane

      Hurricanes form over oceanic regions and require sea-surface temperatures of at least 80 degrees Fahrenheit, light winds, and sufficient moisture to maintain its intensity. In addition, hurricanes rely on the Earth's rotation to initiate a circular motion, also known as the Coriolis Effect. Hurricanes evolve from unorganized thunderstorms, usually in the Caribbean or off the west side of Africa. As these thunderstorms drift into warmer waters, they start to develop into an organized weather system known as a tropical depression. The storm slowly gathers steam as it traverses the ocean's warm waters, building its strength and intensity as it eventually approaches land. The winds near the ocean's surface spirals into the low-pressure area before warm, moist air moves towards the center of the storm. As the storm spirals in sync with the rotation of the Earth, it starts to condense its warm air into drops as the winds move upward. This produces torrential rainfall and releases more heat. These weather systems use the additional heat as fuel, which graduates the storm from a tropical storm to a full-blown hurricane.

      Effects of Hurricanes

      A hurricane produces damaging effects for areas that lie in their projected path, especially storms with high sustained winds. Hurricane winds can negatively impact the infrastructure and environment of an affected area. Hurricanes produce storm surges, or a rise in sea level along the shoreline, that can devastate the physical geography of the affected area. Storm surges account for the bulk of damages caused by hurricanes; however, the sustained winds produced by the hurricane contribute to the severity of the storm surges. Residential and commercial establishments residing along the coast will often incur serious damages as a hurricane approaches land.

      Hurricane Preparation

      Residents who live in the projected path of a hurricane should always prepare for the worst. In addition, residents should act on those preparations whenever local authorities issue emergency evacuation orders. Residents should first gather all of the necessary information that exists to ensure they have everything needed to safely secure their belongings and move themselves away from the storm. Many federal and local government resources exist to help residents prepare for hurricanes and other national emergencies. Next, residents should plan and take action by purchasing supply kits, developing emergency plans, following authoritative guidelines on safeguarding one's health and environment, and coming up with an evacuation protocol once the area makes it mandatory. Residents can start to rebuild after the hurricane has passed and the local authorities have declared it safe to return home. It can take a few months to fully recover from the aftermath of a hurricane; therefore, residents should make preparations for the downtime until everything has returned back to normal.

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    • isabel ortiz TOBYHANNA, PA
      • over 1 year ago

      because it only right that us paying taxes be help in the time of need

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    • Janet Fash LYNBROOK, NY
      • over 1 year ago

      There ought to be a law if common sense does not prevail within the banking industry, to have a grace period to help communities rebuild and not penalize them while all their money goes to rebuilding their homes!

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    • Theresa Orlando HOWARD BEACH, NY
      • over 1 year ago

      Sandy

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    • venessa rubano OZONE PARK, NY
      • over 1 year ago

      My mother is a victinm of Hurricane Sandy in rockaway and has used all her funds resorces and turned down by Fema and Bank of America wont give her a break.

      REPORT THIS COMMENT:

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