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Dopita

Marta Dopita

Professor Christopher Foster, MS

P-2-Weather and Your Major

May 4, 2017

Atmospheric Income: Components of Severe Weather

I had previously sought to create a website pertaining to weather and the effects of the

stock market, however, my major is Finance but my focus is on a more personal level, so I have

created a simplified Personal Income Statement directly related to the atmosphere and weather

which I have called an Atmospheric Income Statement. Each section of the income statement

will be replaced with an element required to contribute to weather. In the place of the dollar

amounts that would typically be present on an income statement there will be a list of ingredients

necessary in the atmosphere that attribute to severe weather. Following the atmospheric income

statement I will provide an analysis of the effects of weather and climate on personal finance.

ATMOSPHERIC INCOME STATEMENT


Weather in the Atmosphere
(Take-Home-Pay)

A. Atmosphere (Total Income) Troposphere+ Stratosphere+ Mesosphere +


Thermosphere
- (minus)

B. Layers of the Atmosphere where


weather doesn't take place (Income Tax) Mesosphere+ Thermosphere+ parts of the
Stratosphere
= (equals)

C. Layers of the Atmosphere where


weather does take place Troposphere + parts of the Stratosphere
Ingredients Contributing to Weather
(Living Expenses)

D. Atmospheric Properties
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(Total Housing Expenditures) Temperature, Pressure, Moisture, Wind

E. Forecasting Surface Measurements, Radar,


(Total Food Expenditures) Rawinsondes, Wind Profiling, Satellites, AMDAR,
Lightning Detection

F. Atmospheric Stability
(Total Clothing and Personal Care Expenditures) (stable ,neutral, unstable), Lapse Rate (dry adiabatic
lapse rate, moist adiabatic lapse rate, environmental
lapse rate), Conditionally Unstable, Condensation
Level, Lifting Condensation level, Lifting
Mechanisms, Upslope

G. Forces and Force Balances


(Total Transportation Expenditures) Pressure Gradient Force, Gravitational Force,
Frictional Force, Coriolis Force, Hydrostatic Balance,
Geostrophic Balance

H. High & Low Pressure Systems


(Total Recreation Expenditures) Convergence, Divergence, centripetal acceleration,
gradient wind balance, curvature effect, Jetstreaks,
Friction Layer, Heating & Cooling

I. Air Masses & Fronts


(Total Medical Expenditures) Cold Fronts, Warm Fronts, Stationary Fronts,
Occluded Fronts, Dry Lines, Upper Level Fronts

J. Topography
(Total Insurance Expenditures) Mountains, Valleys, Lakes, Rivers, Tropical Regions,
Desert Regions

K. Climate & Global Change


(Total Other Expenditures) Warming Oceans, Rising Sea Levels and Intensifying
Weather Patterns

L. Severe Weather
(Total Living Expenditures add D-K) Extratropical Cyclones, Freezing Precipitation and
Ice Storms, Lake-Effect Snowstorms, Cold Waves,
Blizzards, Mountain Snowstorms, Windstorms,
Thunderstorms, Tornadoes, Hailstorms, Lightening,
Downbursts, Tropical Cyclones, Floods, Drought,
Heat Waves, El Nino, la Nina and the Southern
Oscillation

Total Available for Savings and Investment

C. Layers of the Atmosphere where


weather does take place Troposphere + parts of the Stratosphere
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L. Severe Weather
(Total Living Expenditures add D-K) Extratropical Cyclones, Freezing Precipitation and
Ice Storms, Lake-Effect Snowstorms, Cold Waves,
Blizzards, Mountain Snowstorms, Windstorms,
Thunderstorms, Tornadoes, Hailstorms, Lightening,
Downbursts, Tropical Cyclones, Floods, Drought,
Heat Waves, El Nino, la Nina and the Southern
Oscillation
M. What is Left Without These Elements
[Income Available for Savings and Investment No conditions suitable for weather
(line C minus line L)]

As shown in the Atmospheric Income Statement without any of the listed components

weather would not be possible, but as we have seen throughout our lives these elements are

absolutely necessary for our survival. However, when weather is severe it can impact our

personal finances immensely. For example, if you are living in an area that does not have

frequent severe weather but you were still affected by it, not having the correct insurance or an

emergency fund can greatly impact your future finances.

Another factor that can greatly impact your personal finances is climate change. This

issue can affect property values, homeowners insurance, job loss, food and energy costs. Geoff

Williams, a freelance journalist for U.S. News and World Report showed that, although these

affects may not be immediate they could gradually become issues in our future. Property values

could rise if you live in an area with an abundance of resources (e.g. water), homeowners

insurance charges may rise due to an increase in severity of weather, job loss may occur if you

work directly for the land (e.g. farmers), food costs may rise due to a shortage in resources (e.g.

water, fertile soil) and energy costs may rise while fossil fuels become scarce.

Regardless of which affect weather may have on your finances, it is important to keep in

mind that stuff happens, so be prepared. Keep an emergency fund and research the potential
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severe weather that you may encounter in your area because order in your finances can prevent a

second catastrophe. (Williams)


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REFERENCES

Williams, Geoff. "How Climate Change Could Affect Your Finances." U.S. News & World Report. U.S. News
& World Report L.P., 14 July 2015. Web. 01 May 2017.

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