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Dr. Dawn Medley, the vice provost of Enrollment Management and Student Retention at Stony Brook University, has some finance tips.

New Jersey

NJ Weather Stories

Weather stories

NJ | Weather

NJFORECAST

PSE and G is making sure they have everything ready to keep customers safe and warm. This winter and holiday season, the company providing tips to avoid potential power outages as strong storms into our area this afternoon, they recommend securing outdoor furniture as well. Never assume that we know you're without power. You know, your neighbor may have called it in, but you may be on a different circuit. So we don't want to see anyone left out of the restoration efforts. Pseng says you should download the mobile app, sign up for text updates and always report an outage in your area and power outages are one of the big threats that we could see with the rain and wind coming our way later on today into the overnight. What else could we see heavy rain, strong winds, hazardous travel from lunchtime into the afternoon and evening, strong wind gusts, showers will be scattered with those downpours steadier and heavier. After sunset. The strongest rains will be coming from eight o'clock till 23 in the morning, windswept rain. That's also when we could see areas of flooding as well. And as the system moves out of here through Monday morning could see those slick road conditions, power edges and clean up from potential damage because of those strong winds and areas of heavy rain causing that flooding, especially in Northeast Jersey from Bergen County, Paramus Ridgefield Park all the way down to Woodbridge and Edison. That's where we could see those areas of flooding. Your underpasses roads, small streams drains definitely just be safe out there with all this rain, all of this energy, this storm system caused deaths with these tornadoes that caused from it in Kentucky and Tennessee. So definitely a lot of energy and power to this as we are looking at rain and wind coming our way as we are going to be seeing these, a couple of showers already have popped up here and there throughout Newark, going towards Elizabeth Bridgewater, even down towards Camden and Gloucester counties as well. So we're going to see this continue to move through the region with up to an inch to three inches of rain locally, higher amounts possible from Newark down to Mount Hall as we are going to see 30 to 45 mile per hour gusts with this system. So the heaviest rain from lunchtime into the afternoon and evening along the Parkway and then after sunset, that's going to shift more north and west from Passaic down to Trenton, even into Burlington and Camden Gloucester counties, that'll be fading out towards 23 in the morning. So with the heavy rain definitely be on the lookout for that with the power at fifties and sixties and then much colder windy conditions into your Monday. More sunshine Tuesday.

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Weather

Brooklyn

BK | Weather

1210BXBKweathermorning_2023-12-10-07-47-59

Welcome back when you hear that sound, you know what that means. We're on storm watch with storm watch team, meteorologist Christy Campana. So Christy, we know the rain is coming, but that's not all right. Yeah. No, we can't rule out any gusty winds either. And those two combined really create for a messy kind of system that's headed our way. And like we said, 2 to 4 inches of rain is expected and that majority is gonna be overnight tonight and that can create some problems for your morning commute if there is localized flooding, which like we said, we can't rule out, but let's go straight to it and see, you know, an hour by hour where the system is coming in and this is two o'clock today. So we see the system just approaching here for the afternoon and we could see some batches of heavy downpours throughout the afternoon. But the majority of this is going to be a little bit later. This is 3 p.m. We see this light to moderate rain, these yellow colors really on the outskirts of the city and then maybe a break here and there by around five o'clock your dinner time. But then the majority of this hits around 8 to 10 o'clock and we see this orange, yellow and red and this is our more moderate, steady and even heavy rain that is headed our way and that's to continue overnight for your overnight hours. And that majority of it just past 1 a.m. two AM, we see it start to get slightly lighter around then and then by 6 a.m. we see it really start to push off and push out to the ocean and it clears up just a bit. We can't rule out a lingering shower until around seven or 8 a.m. And then it clears up really by mid to late morning and we could see even the sun come back out around your mid to mid morning to afternoon before the sunset, which is a good thing, but that flooding can still stick around and that comes with these gusty winds. So sustained winds of around 15 to 20 miles an hour and this is 8, 30 twenties we're seeing and then uh change in direction. This becomes a north wind as it's passing and we could see up to 3040 miles an hour. So really take anything in outdoors and just be cautious through the next couple of days. And let's take a look at 10 day forecast. We are in storm watch overnight. We're gonna see heavy rain, gusty winds and that breezy and those gusty winds continue a bit into your Tuesday. It's gonna be breezy but the sun is out and temperatures are back to seasonable for the rest of the week.

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Westchester

WC | Weather

1210WCHVWEATHERMORNING_2023-12-10-07-52-17

For another look at your hyper local forecast as we continue to watch the storm heading into our area. And Alex, I'm seeing some parts on this map showing that snow is expected in some parts of the Hudson Valley on the back end of it, Nadia. Tomorrow morning, we will have a couple of flakes fly and yeah, even some accumulating snow weight of the north and west. But let's first talk about the rain coming in our direction this afternoon. It's still tucked away pretty far to our south. And so we're good here in the Hudson Valley for the morning. We have some areas of fog, but we also have some areas of sunshine. So we'll take it. And certainly if you have any plans before noon, you're good to go. Wind is pretty light for the first part of the day. You would have no idea that a storm was coming except for the fact that it feels a little different out there, it feels a lot warmer than it usually is. This time of the year, we even have temperatures in the fifties in some spots this morning that above average for the afternoon when the afternoon arrives. Now we're starting to kick in some showers. This is two o'clock, four o'clock. Look, we've got some rain passing through at six o'clock still and we continue to see the rain pretty much all through the evening. Some of the worst of the rain will be eight to about midnight or so tonight, it's also quite breezy, 20 to 30 mile per hour wind gusts. You factor in several hours of rain and now you've got some trees coming down, release some branches and that could knock out power. Here's four o'clock in the morning. If you're a really early commuter, you're still dodging rain. And if you're in Sullivan and Ulster County, the high elevations of Ulster County, we're looking at cold enough temperatures for a few snowflakes and then a few flakes will mix in 6 a.m. But at this point, things are drying out. It does stay breezy pretty much all day Monday. In fact, some of the worst wind will be with the sunshine Monday afternoon. I wanna show you two different models here. This is one model showing you the rain all the way up to midnight about an inch or so in White Plains and Yonkers and then it picks up to two inches but notice how close we are to that really heavy rain over Connecticut and Long Island. This other model actually will bring in some of that heavier rain off to our east. I'm gonna show it to you coming up on the other side of the break. But I also wanna show you the winter storm warning in effect for the higher elevations of Ulster County and the advisory in effect for Sullivan. I thought that was kind of important to get to. So I will show you the difference in the rain totals coming up. But a little more good news once we get through Monday, it's totally dry for work week.

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Long Island

LI | Weather

LIFORECAST

All right time. Now for another look at your hyper local forecast and Alex, we are expecting rain to move through and also some pretty, pretty bad winds. Yeah, the late afternoon, the evening, the overnight, it's gonna be really rough, but it's not bad out there now. So, run your errands and do what you have to do. It's actually a pretty good morning. But by the end of the day, 2 to 4 inches of rain that's gonna bring some street flooding and wind gusts 40 to 60 MPH. We're expecting some power outages with that. So let's got you through it. So majority of the morning, we're just looking at sprinkles around lunchtime, some pockets of heavy rain. Wind isn't really too bad here yet and the rain is scattered. I am expecting though that you will absolutely need the umbrella by noon time and the rain will continue throughout the afternoon. Throughout the evening, there will be a few little breaks, but a lot of this rain is very persistent. This is 6 p.m. Now we're starting to get in on a little bit of wind about 30 mile per hour winds at six o'clock, 78 o'clock. Now we're upgrading to almost 40 mile per hour winds. There's some break between the heaviest rain. We probably have our first round in the afternoon and our second round in the evening time, this is 11 o'clock at night. A squall line sets up across the island. I think it really gets its act together somewhere over eastern Nassau County or Western Suffolk. And then it just pushes through very slowly overnight. So, while we're sleeping tonight, we dealing with some really decent downpours and rumbles of thunder as well as the wind. It's going to be ridiculous. So again, a little rain this morning, but not much. You see the rain totals by four o'clock or still under an inch for many of us. But there could be some localized flooding around dinner time. Here's what one model has for the heaviest rain. So it kind of sets it up more to Nassau and Western Suffolk where you see the red color that's localized flooding without a doubt on your streets. This is another model and some really solid heavy rain, but this is a little bit more toward Western Suffolk. So expect the rain all the way through the evening. It's 100% guarantee. And then for morning commuters tomorrow, early morning, we still have some issues with rain. But by the time you get to the mid-morning, it's out of here and it is still breezy on Monday, it'll be sunny and it will be windy all day. 45 is your high feels like 30. So, and the whole work week looks dry. So once we get through today, it's gonna really clear out the air, that's for sure.

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Hudson Valley

HV | Weather

Bronx

BX | Weather

Connecticut

CT | Weather

CTFORECAST

We're looking at. Yes, lots of rain coming our way. So definitely be careful if you're going out this afternoon and evening. We are looking at that chance for flash flooding all across Western Connecticut with gusts up to 30 to 50 MPH. So what does that mean? Power outages anchor down those holiday decorations and with the chance of flooding, if you do see any of that high water, remember to turn around. Don't drown. What are we looking at for the afternoon showers pushing in from 1 to 3 heavy stuff riving three or four, then we are going to be seeing those scattered showers and downpours the steadier, heavier rain after sunset towards 910 o'clock. This is when we could see that flood potential gusty winds as well as lightning and thunder with this. And on the back side could even see maybe a snow flake or two in the higher elevations of Litchfield County come Monday morning with those temperatures dropping from the fifties and sixties today, forties into your Monday 42 Tuesday, maybe a flurry or two on Wednesday with drier weather through the rest of the work week. That's a look at your hyper local forecast.

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0731BEWellFinancialCollegeCosts_2023-07-31-09-30-48

Live Life Better: What you should know to ease the financial burden of college

So what's driving the sharp increases and more importantly, what can you do to get yourself and your family financially ready? Well, Doctor Don Medley is here with us right now. She is the Vice Provost of enrollment management and student retention at Stony Brook University. So I do want to start with this new process because it is very different than what we've had in the past. I know they were aiming for this to be easier, but it's new, it is new. So a couple of things that people will see differently just from last year to this year, the FAA will not be available until December of this year. Previously been October and there'll be more steps in the FAA this year. And the way that will work is say, for example, two parents, they file separately, whether they're divorced, whether they just file their taxes separately, the student will go in and they'll have send the FAFSA information to both parents, have both parents, verify it and then it will actually go to the school. So a few more steps in there and we're a little concerned because every time you add more steps, right, there's more things that can break. Yeah, there's room for error right now. How if, if there's a problem, you know, with my paperwork, how can you help me? Our financial aid offices at all of our institutions across the state of New York will be able to sit down beside you and go through the process, but they're not going to be able to look at it from the back end anymore. And so that may be disconcerting for families because they used to pick up the phone call us, we would know where things were hung up. We're not going to be able to see that for a bit. Now, does it matter where in the country you're doing this from? Do we all now have the same, you know, rules and regulations. We do all have the same rules and regulations, but we haven't been able to actually see the FAFSA and actually see how it's going to roll out. So even the professionals are, are just kind of taking a wait and see and we're doing some deep breathing. That sounds good. Yeah. Ok. So more students are going to qualify for Pell Grants. Yeah, we do believe that it's going to increase the number of students who qualify maybe at a slightly higher income. So we see that as a benefit. One of the things that we see is a deterrent though is families who have two students in college that used to be a benefit for aid that benefits gone away. Ok. Uh, let's talk a little bit about the types of loans that are out there direct versus private. Yeah. So, um, typically what we see is the student fills out the fat, it makes them eligible for a direct loan. You and I have talked a lot about that in the past because those are the federal loans. Um, you will also see banks and mortgage companies encourage you to take out a line of equity credit on your house, borrow credit cards. We don't recommend those loans always go with the direct loans because as we've seen those can be deferred, we can have payments suspended. It's much more beneficial and that's where you can get student loan forgiveness. And then you know, the last loan that we always talk about is a family loan. If you have a family member who can lend you money, you think those can be the lowest interest rates of all for a lot of people. Uh there was a pause for quite some period of time. We're talking millions and millions of Americans not having to pay back during that time, but August is here and the time is over. Yeah, so I'd be having families really look at their budgets right now because this payments are going to kick back in. A lot of people chose not to make payments during the pandemic because of income because they just didn't have to because it was zero interest. Um, you know, that's free money at that point in time, but those payments are kicking back in and so families may need to adjust their budget. I always encourage families if, um, they can at least pay the interest on the loans for students while they're in school, that really helps reduce those payments that we're gonna see. You know, kicking back now for parents if this is their first time, you know, their students now just entering college, what words of advice do you have for them in navigating the finances of this? Because it can feel overwhelming. It can. I, I actually had a conversation with a high school friend, uh, two nights ago about her senior in, in high school. Um, there are a lot of experts out there. A lot of admissions officers, a lot of financial aid officers don't feel that you have to do all the research on your own. Don't feel that there aren't people out there to help you with the questions, any financial aid officer at any higher education institution can help you with your, it doesn't matter if you're going to go to school there. So maybe we have a student here in Beth Page who has decided that they want to go to UCL. Right. Go to the nearest community college, the nearest four year institution and we can help you with your because you know all about it. And in reality, as much as we, we don't have that same breath of knowledge that you do because you're doing it a lot. Well, and I tell people all the time, you know, we walk 50,000 students through the admissions process every year. You're, you're going the first time with one call, the experts. We'll help. Thank you, Doctor John Medley. We really appreciate your time and your expert.

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