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Forecasters predict slow Atlantic hurricane season

MEGHAN BARR
Associated Press

NEW YORK (AP) — A slower-than-usual hurricane season is expected this year because of an expected El Nino, federal forecasters said Thursday, but they warned that it takes only one storm to wreak havoc and urged Americans to be prepared.

The El Nino, which warms part of the Pacific every few years and changes rain and temperature patterns around the world, will likely reduce the number and intensity of tropical storms and hurricanes, the National Oceanic and Atmospheric Administration said in New York City.

Cooler temperatures on the surface of the Atlantic Ocean compared with recent years will also lower the probability of hurricane formation.

“El Nino helps to reduce the ability of storm systems coming off Africa to strengthen into tropical storms and hurricanes,” said Dr. Gerry Bell, NOAA’s top hurricane season forecaster.

Bell cautioned that El Nino has not yet developed and officials have not yet issued any forecasts for it.

Officials expect about eight to 13 named tropical storms and three to six hurricanes. One or two major hurricanes with winds over 110 miles per hour are forecast.

The six-month storm season begins June 1.

Forecasters got it wrong last year when they predicted an unusually busy hurricane season. There were 13 named storms and two hurricanes, Umberto and Ingrid, both of which were Category 1, the lowest on the scale that measures hurricanes by wind speed. There were no major hurricanes.

In 2012, storm surge was devastating to the New York area when Superstorm Sandy slammed the East coast, killing 147 people and causing $50 billion in damage. Sandy lost hurricane status when it made landfall in New Jersey.

A new mapping tool this year will keep coastal residents updated on the storm surge threat, using tides and currents to predict how high the surge might be and where exactly it will hit, said Dr. Holly Bamford, director of NOAA’s National Ocean Service.

“Storm surge can be deadly,” Bamford said. “It only takes six inches of fast-moving water to knock an adult over.”

The map will be activated when a hurricane or tropical storm watch is announced, or about 48 hours before the onset of tropical storm force winds, and updated along with National Weather Service advisories every six hours.

New York City officials also launched “Know Your Zone,” a hurricane awareness campaign that is being billed as a “one-stop-shop” for hurricane preparedness. New Yorkers can go onto the city’s website (http://nyc.gov/knowyourzone ) to find out which evacuation zone they reside in and other critical storm-related information.

“The effects of Sandy make it clear why you must be prepared,” said Joseph Bruno, the city’s commissioner of the office of emergency management.

The Atlantic hurricane season goes through cycles of high and low activity about every 25 to 40 years based on large scale climatic patterns. Since 1995, an average season has 15 named tropical storms, eight hurricanes and about four major storms. The last time a major hurricane made landfall in the U.S. was when Wilma came ashore in 2005, an eight-year stretch that is the longest on record.

During the six-month season, forecasters name tropical storms when top winds reach 39 mph; hurricanes have maximum winds of at least 74 mph.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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