Long Term Care Insurance: Buy it Young
I have a whopping bill to pay, and while I hate to do it, it is necessary. Women in my family live a long time. People in America are living longer. While retirement funds can look generous at the time you retire, health care costs and late-life care can eat those funds down to nothing . . . and then what?
It’s not like the old days. There was a time when we didn’t live so long, and women didn’t work. Who, these days, has time to stay home and care for the ailing elderly? Because we live longer, by the time we become ailing-elderly, our children are borderline elderly themselves, unable to do the heavy lifting that comes with helping the elderly do even the smallest of everyday tasks, bathing, grooming, eating, dressing – it takes strength.
I found this article on AOL’s Daily Finance page.
Long-Term Care Insurance Should Be Part of Your Financial Plan
by Michele Lerner, Mar 12th 2013 5:00AM
In the world of insurance products, long-term care insurance is a relative newcomer. It was introduced in the late 1970s, but in recent years, it has become a much more important element of retirement planning thanks to twin rises in health care costs and longevity. (Life expectancy in 1930 was just 59.7; in 2010 life expectancy for Americans was 78.7.)
Many people associate long-term care insurance with nursing homes, but it also pays for in-home care and assisted living facilities. According to the American Association for Long-Term Care Insurance, 50 percent of long-term care insurance benefits in 2011 went to pay for in-home care, 31 percent for nursing home care, and 19 percent for an assisted living facility.
How Long-Term Care Insurance Works
Each long-term care insurance policy is slightly different, but most benefits kick in based on a similar definition of “disability”: either you have severe cognitive impairment or you need help with at least two daily living activities. These activities include bathing, dressing, eating or using the bathroom.
In other words, you don’t just automatically receive the benefits when you think you could use some help or when you move into a retirement community. Policies are typically purchased with fixed daily benefits for a fixed period of time such as three years or five years.
Can You Cover These Costs Without It?
On an hourly, daily and monthly basis, the cost of the kinds of services covered by long-term care insurance really add up.
A 2012 MetLife Survey of Long-term Care Costs found:
The national average monthly base rate in an assisted living community cost $3,550 in 2012.
The national average daily rate for a private room in a nursing home cost $248; a semi-private room ran $222 per day.
The national average daily rate for adult day services was $70.
The national average for hourly rates for home health aides was $21.
While many people recognize the value of having insurance coverage to help pay for their care when they age, not everyone purchases it.
A 2012 Generational Research project by Financial Finesse showed that just 10 percent of people age 45 to 54 have purchased long-term care insurance, and only 16 percent of people age 55 to 64 have it.
Why are people forgoing coverage? It comes down to cost, according to the AARP.
How Much Does Coverage Cost?
Long-term care insurance can vary widely depending on your age at the time of purchase, the length and amount of coverage, and policy characteristics including whether your benefits are adjusted for inflation and the length of any waiting period before benefits are paid, among other things.
According to the American Association for Long-Term Care Insurance, the average annual premium for long-term care insurance in 2012 for a policy for a 50-year old with a daily benefit of $200 for three years of coverage and a 3 percent automatic compound inflation coverage was $2,235. Your policy can’t be cancelled (except for non-payment) and premiums for long-term care insurance cannot be increased on an individual basis for your age or health reasons. Still, insurance companies can raise the premiums for an entire class of policyholders (such as everyone age 75 and older).
Obviously, the older you are when you purchase long-term care insurance, the more expensive the policy and the higher the likelihood that you will be turned down for the coverage. Underwriters look at your health records as well as mortality risk to determine your eligibility for coverage.
Some companies give you a discount if you’re married because they assume spouses are likely to take care of each other longer before resorting to a nursing home.
Four Reasons You Need Long-Term Care Insurance
So how do you know if you need this kind of insurance? If you have more limited retirement savings, long-term care insurance should probably be part of your financial plan. And even if you have $2 million or $3 million in the bank for your retirement and future health care needs, don’t dismiss these policies before you examine the benefits more closely. Consider, for example:
How much longer we’re living these days. The longer you live, the higher your chances of needing some type of long-term care, either in your home, in a nursing home or in an assisted living facility.
Rising health care costs. AARP says that health care costs have historically outpaced the overall rate of inflation. If you need to live in a nursing home for more than a year or two, you could need $250,000 or more to pay for it.
How far your retirement investments will really take you. Your 401(k) may look good when you retire at 65, but if you need to pay for assisted living or even a home health aide the income generated by your retirement investments could get eaten away very quickly. If one spouse needs to live in a nursing home but the other can stay at home, you’ll need enough savings to cover two separate living expenses.
Your family’s emotional and financial health. Even wealthy families often choose to purchase long-term care insurance because the policy can make decisions about how to care for loved ones easier by giving them more options. Instead of draining their inheritance, your family members can use insurance benefits to pay for home health care or to cover some of the expense of a more costly nursing home.
Financial experts suggest purchasing long-term care insurance between age 55 and 64, but remember that the younger you are when you buy it, the lower your premiums will be. If you or your parents are 50 or 55, it’s time to discuss your options with an insurance agent.
Strangers in America; No American Friends
This article is so sad, and I have also seen it the other way around, hoardes of American students abroad, hanging out with other Americans, then other ex-pats, and lastly, the local inhabitants. It IS hard. The differences can seem overwhelming. (That is my very first blog entry, and it had to do with the risks you expose yourself to when you open yourself to a cross cultural relationship 🙂 ) Overcoming those differences makes life so much richer.
Thank you, Professor John Mueller, for forwarding this fascinating article:
Strangers in a Strange Land
March 4, 2013 – 3:00am
By
Elizabeth Redden
In interviews with 40 international students at four research universities, Chris R. Glass was struck by the relative absence of Americans from his subjects’ stories. The interviewees, half undergraduate and half graduate students, described close relationships with their international peers, including those coming from countries other than their own. But while they frequently characterized their American classmates as friendly or helpful, only rarely did they seem to play a significant role in their lives.
“Only one student has described a significant relationship with a U.S. peer and that student was from Western Europe and that peer was her boyfriend,” said Glass, an assistant professor of educational foundations and leadership at Old Dominion University. “That to me is a striking omission from the stories that they’re telling.”
As the number of international students at U.S. colleges continues to rise — and as the mix of international students has shifted in favor of undergraduates — there are increasing concerns as to how well they’re being integrated into campus life. There have been periodic reports of racist incidents and – overt discrimination aside – there is the question of disconnection raised by Glass’s research. Another study authored by Elisabeth Gareis, a communication studies scholar at Baruch College, found that nearly 40 percent of international students reported having no close American friends. In explanation, many of the students cited “internal factors” such as limited language proficiency or shyness, but they also described a perceived lack of interest on the part of American students.
At the recent Association of International Education Administrators annual conference, a roundtable session on the integration of international students (co-moderated by this Inside Higher Edreporter) drew a standing-room only crowd, as attendees discussed the difficulties they’ve encountered in encouraging and equipping American and international students to (productively) interact. Domestic students are not necessarily cross-culturally competent – a point made lucidly when one audience member described the tendency of American study abroad students to request compatriots as roommates. At the same time, international students may not always be interested in initiating contact. An audience member from a Midwestern institution shared his observation that a fair number of students from China – a rapidly growing and by far the biggest group of international undergraduates on U.S. campuses – seem to be more interested in interacting with one another than with their American classmates.
Yet, even those students who are interested may find social structures on campus to be exclusionary or mystifying or both. On American campuses dominated by fraternity and sorority life, or obsession over intercollegiate athletics, or where everyone seems to have gone to the same high school, international students may feel foreign in ways that go beyond their nationality. “The lack of interaction is as much due to individual attributes as it is to social context,” said Glass, who is conducting his qualitative research in collaboration with Rachawan Wongtrirat, the assistant director of Old Dominion’s international initiatives office. Given the natural tendency of people to gravitate toward others who are like them (what social psychologists call the “similarity-attraction effect”), “are universities creating contexts where these interactions can happen?” he asked.
In interviews with Inside Higher Ed, researchers and professionals in international education spoke about the challenges in this regard and their efforts to create opportunities for meaningful interactions between domestic and international students through programming. It seems that many universities have a long way to go in living up to the promise presented by increasing numbers of international undergraduates – the promise being increased opportunities for sustained and meaningful cross-cultural interactions in classrooms, dorm rooms, and so forth.
‘Encounters With Difference That Make a Difference’
“It’s a combination of factors that have made this issue so salient,” said Larry A. Braskamp, the president of the Global Perspective Institute and a professor emeritus at Loyola University Chicago. “One is there are just a lot more international students on campus now, particularly at institutions that have not historically had a lot. The second is that everybody is interested in global learning: we know we need to prepare students to be more globally competent. And the third is that these students represent on some campuses a fairly significant contribution to the bottom line. Most of these students pay full tuition and as a result a lot of institutions see them as one way to balance the budget. So they have to make sure that the retention rate is high; they have to develop a good reputation so that other students will come.”
In Braskamp’s research, he’s found that entering American freshmen do not tend to think complexly, are not comfortable amidst difference and do not typically have friends who are unlike them. “We’ve said, O.K., the implication of all this is we need to create ‘encounters with difference that make a difference,’ ” he said. “I’ve thought of it as students being on a journey: they start with rather simplistic views of themselves, of their social interactions and the ways in which they understand the world around them. So in some ways what we need to do in college is increasingly provide them opportunities for encounters to get them to rethink who they are, how they think, and how they relate to others. In many ways, international students coming on campus is an opportunity for students, faculty members, and international administrators to take advantage of that difference and that diversity. But it’s really hard work.”
Such encounters can be curricular, co-curricular or informal: in fact, Braskamp’s research suggests that informal encounters such as discussion of current events with other students may be the most impactful. Still, he emphasized that there’s much more that can be done in the classroom to facilitate such encounters. In a sample of about 48,000 undergraduates at more than 140 four-year colleges, he found that about one-third report never having taken a course that “focuses on significant global/international issues or problems” or that “included opportunities for intensive dialogue among students with different backgrounds and beliefs.”
As one audience member at the AIEA conference said, unless faculty members are on board, all the student services programs in the world won’t be enough: “Students really look to their professors to give them direction and advice and deepen their conversations, so if faculty were taught to embrace these conversations about ‘difference’ and ‘other’ and ‘cross-cultural competencies’ and international challenges in engineering, then those conversations would take on meaning for the students,” she said. Participants in the session described the value of professional development programs such as Duke University’s Intercultural Skills Development Program for faculty and staff.
Case Western Reserve University is another institution that has begun to offer training designed to help professors better serve international students and integrate them into the classroom: according to Molly Watkins, the university’s director of international affairs, the first two trainings focused on Chinese students and attracted 60 to 70 faculty members each. “There’s obviously a need,” Watkins said.
Opportunities for Meaningful Interaction
At the AIEA session, audience members discussed co-curricular strategies such as peer mentoring or “buddy” programs, living-learning communities and other residence life initiatives, and more robust orientations for international students. Many universities have some iteration of one or all of the above: Mount Holyoke College, for example, has a new “Global Partners” program that pairs returning study abroad students with new international students and holds “re-orientation” events for international students during the academic year. The University of Iowa is launching a new required online orientation program that will begin in the summer before the students arrive and continue with five to eight small-group sessions throughout the fall semester.
The University of Arkansas at Fayetteville, which had 611 international undergraduates last fall, has a host of programs with alliterative names like Campus Cousins, Friendship Families and Global Greeks, which pair international students with American students, local families and fraternity or sorority members, respectively. Wesleyan University is “trying to capitalize on the idea of roommates,” hosting a dinner for first-year international students and their roommates at the beginning of the fall semester, according to Alice Hadler, the associate dean for international student affairs and an instructor of English. St. Norbert College, a Roman Catholic institution in Wisconsin, has a living-learning community with 25 international and domestic students (international students are the resident advisers) and a 10-member interfaith group consisting of Muslim students from Saudi Arabia and domestic Christian students. Initiatives such as these reach only a small number of students, concedes Marcy O’Malley, St. Norbert’s director of international programming, but, she said, “What I’ve seen work is one-on-one.”
“Instead of superficial contact with a lot of people, do more meaningful contact with a smaller number, and let them be your ambassadors to the larger student body,” she said.
Christopher J. Viers, the associate vice president for international services at Indiana University at Bloomington, has used theInternational Student Barometer to survey students about their experiences, and cited the surprising finding that international students rate their relationships with American students as those that are most important to them (as compared to relationships with other students from their home country or international students in general). “In looking at the feedback that came in we thought very critically about what we could do to help facilitate opportunities for international and domestic students to interact in meaningful ways to hopefully have conversations and potentially build relationships,” Viers said.
In talking with colleagues across the country, Viers said he’s come to the conclusion that “too often our programming is limited to the one-time, big, annual event.” This event, which often takes the form of an international student fair or show, can be good in celebrating international students’ contributions to campus and perhaps can help a domestic student learn a bit about another culture or cultures, but, he said, “opportunities for meaningful transformative learning are pretty limited.” As such, he continued, “We work hard to provide the big annual event that helps to showcase the contributions of our students and the diversity of the population with the excitement and food and entertainment, but not a week goes by when we’re not putting together, hand-in-hand with students, small, highly interactive opportunities for domestic and international students to get together. We run a weekly noon concert series, for example, where students from our Jacobs School of Music perform classical music or folk music from their home country and then there’s a free lunch that’s provided. That regularly gets people who have an interest in music together.”
“It’s absolutely essential as colleges are putting in place plans to actively grow international enrollment that appropriate levels of service and support are put in place, and then the students have responsibilities as well,” Viers said. “So much of just about anything in life in terms of what you gain from an experience has much to do with what you put into it yourself. This is where at times perhaps those of us in the field of international education are not vocal about some of the very real, very significant additional hurdles and challenges that students from other countries face while they’re here: the enormous pressures that they’re under to succeed academically and to move as quickly as possible though a program. It’s very expensive to come to the U.S. to pursue an undergraduate degree. There are often major expectations from family members and others; there’s a lot of pressure to succeed and do well.” And then there are the extra academic challenges inherent in pursuing a degree in a non-native language. Is it any wonder that not every student will want to come out for mixers and “cultural coffee hours”?
“I think that sometimes we underestimate that pressure, and apply a different kind of meaning to the experience that we perceive a student is having,” Viers said.
Return to Five Sisters in Pensacola on a Rainy Saturday
It was another endlessly rainy Saturday when my husband asked where I would like to go for lunch.
I knew immediately where I wanted to go. I love Five Sisters almost any day, but especially on a rainy Saturday. I like it that they have live music on Sundays, and sometimes on Thursday nights, but I really like it that there is no music on a rainy, dreary Saturday, so we can talk and hear each other. 🙂
Five Sisters is packed – it often is – with people seeking the same thing, a warm, cheery place filled with great smells and great cooking.
AdventureMan ordered the grilled shrimp platter:
And I ordered the Blackened Fish on Cheese Grits (sorry, it is a little blurry, I must have been shaking with hunger . . . )
I never get tired of Five Sisters.
Seafood Platter Deli AKA Gulf Coast Seafood Deli on 9 Mile Road
“We’re going to drive ‘all the way’ out there,” AdventureMan tells me and we laugh, because ‘all the way’ is such a relative term. When we lived in Kuwait and in Qatar, we would drive a minimum 30 minutes to get to a restaurant, any restaurant, not only because of distances but also because of traffic, horrendous traffic, in the evenings. While the Seafood Platter Deli is 13 miles away, it takes us less than 20 minutes to get there. Welcome to Pensacola 🙂
This is a very unusual restaurant. It is so old-timey Gulf Seacoast, and at the same time, I thought as we entered “My Moslem friends would love this!”
Many of my Moslem friends think Americans are unbelievers. They think we don’t talk about God. They don’t know we pray – sometimes without ceasing. Just as I was astounded as I learned things about Islam and Moslem culture living in the Middle East, they were also astounded learning things about us, like that we take care of our families. Think about it – most of what many people in the world know about Americans comes from the impact of cable TV. They watch American TV and they think they understand American culture. Horrifying thought, isn’t it?
So how amazing is it to walk into a restaurant where, as you stand at the counter to order, and you look at the big menu on the wall, there is a stand, with a bible on it. And there is paper, and a pencil, and a sign saying “Prayer requests.” I don’t know about your restaurant experiences, but this is unique in my experience – in America. In the Middle East, there are all kinds of restaurants with Qu’ranic verses on the walls, and the sounds of religious services piped into the restaurant. People talk about God all the time. It’s a whole different world; and my Moslem friends would feel right at home in the Seafood Platter Deli.
Of course, in Saudi Arabia, we would rush to buy our pre-sunset felafels, and then sit and munch, listening to all the souk grates coming down as shops closed for the Mahgrib prayer. Everything closed, five times a day, in Saudi Arabia, for prayer.
At the Gulf Coast Seafood Deli / Seafood Platter Deli (I don’t know what the real name is, and both names appear when you Google it) there are scriptures on the wall. When you sit down, the little basket holding condiments tells you to “count your blessings.”
The interior dining room (as opposed to the deli section, and the counter where you order food when you come in) is wall-to-wall sea mural, family friendly, Fish and sea life everywhere. There are also families who pray when their meal is delivered to the table, before they eat. The wait-staff is patient, and personal. You get the impression they truly want you to have a good experience at this restaurant.
We were hungry. We are mildly disgruntled to see piping hot food delivered to tables around us who arrived after we did, but not very. Even though we are hungry, we know that our ordering our food grilled or blackened slows things up in the kitchen, where the majority of the meals are fried. It is really really hard for people like us to watch other customers thoroughly enjoying their fried shrimp, fried catfish, fried grouper, fried scallops, etc. They look SO delicious. Every now and then, maybe once every couple months, we slip up and eat something deep fried, just because yes, yes, it tastes so good, and we know it is like the WORST thing for us. What a pity that deliciousness can be so lethal.
Ah! There it is! Our meals! We tuck right in and then I remember “Oh no! I haven’t taken any pictures!” AdventureMan is used to this, and bless his heart, he stops eating so I can shoot what is left of his grilled scallops, so tasty and delicious, so fresh!
I had so much salmon on my platter that I had salmon and steamed vegetables for dinner, too! The salmon was copious, lightly blackened, seared on the outside, moist on the inside, just the way I love it. It was some of the best salmon I have had in Pensacola (not exactly salmon country, but that little Alaska girl still lives in my heart and I can’t resist salmon when I see it on the menu.)
There’s another thing we loved about the Seafood Platter Deli – remember Dembo’s Smokehouse? We love restaurants that honor their heritage, and the Seafood Platter Deli has this wonderful wall:
Last, but not least, the food was so good, and so plentiful, that we couldn’t eat it all and ended up taking some home. We also took home some dessert, one dessert, $1.99 for a goodly portion of Vanilla Wafer pudding, that old-fashioned kind, maybe Banana pudding. It was so GOOD, we wish we’d gotten two. 🙂
Gulf Coast Seafood Deli / Seafood Platter Deli
Address: 2250 W Nine Mile Rd, Pensacola, FL 32534
Phone:(850) 969-3299
We love this place, and look forward to driving ‘all the way out there’ for more fabulous Gulf seafood.
START with Sea of Poppies, by Amitav Ghosh
I recently wrote a book review on River of Smoke, by Amitav Ghosh, which held me spellbound, so riveting that I had to order Sea of Poppies, which is actually the first volume of the trilogy. I had heard a review of River of Smoke on NPR and although it was written as the second volume in a trilogy, it can be read as a stand-alond.
Yes. Yes, it can be read as a stand-alone, but it is so much easier, I can state with authority, if you read them in order. Once I started Sea of Poppies, I also discovered an extensive glossary in the back, several pages, a list of the words, annotated with suggested origins, and it adds so much color to an already brilliantly colored novel. Much of both novels uses words from many cultures, and words that have been formed by another culture’s understanding of the words (some hilarious). If you like Captain Jack Sparrow, you’re going to love the polyglot language spoken by ship’s crews from many nations trying to communicate with one another. It can be intimidating, but if you sort of say the words out loud the way they are written at the beginning, you begin to find the rhythm and the gist of the communication, just as if you were a new recruit to the sea-going vessels of the early 1800’s. I loved it because it captured the difficulties encountered trying to say the simplest things, and the clever ways people in all cultures manage to get around it, and make themselves understood.
Sea of Poppies starts in a small Indian village, with one of the very small poppy gardens, planted on an advance from an opium factory representative, thrust upon the small farmer, with the result that most small Indian farmers converted their entire allotment from subsistence foods to poppies. Ghosh walks us through an opium processing factory, which is a little like walking through the circles of hell. We meet many of the characters we will follow in River of Smoke, and learn how this diverse group bonded into one sort of super-family through their adventures – and misadventures – together.
It is an entirely engrossing work. Sea of Poppies was short listed for the Man Booker award, and was listed as a “Best Book of the Year” by the San Francisco Chronicle, Chicago Tribune, Washington Post and The Economist. The theme is the opium trade, leading to the Opium Wars, with China, and is a chilling indictment of how business interests manipulate a population’s perceptions of national interests to justify . . . well, just about anything, in the name of profit.
The theme is woven through human stories so interesting, so textured, so compelling, that you hardly realize you are reading history and learning about the trade, cultures, travel, clothing, traditions, religions, food, and motivations as you avidly turn the pages.
I can hardly wait for the third volume. Get started now, so you’ll be ready for it when it comes out!
Putting TEETH into Anti-Rape Solutions :-)
Thank you, Hayfa, you always find the most amazing articles. What I love about this one is that if everything is where it is supposed to be, nobody gets hurt. Only invasive behavior results in . . . .lets hope excruciating pain 🙂 It also gives an attacker something else to focus on. This invention is a public service.
Rape-aXe: The Anti-Rape Condom
This is so brilliant! An anti-rape female condom invented by Sonette Ehlers.… A South African woman working as a blood technician with the South African Blood Transfusion Service, during which time she met and treated many rape victims. The device, known as The Rape-aXe, is a latex sheath embedded with shafts of sharp, inward-facing microscopic barbs that would be worn by a woman in her vagina like a tampon. If an attacker were to attempt vaginal rape, their penis would enter the latex sheath and be snagged by the barbs, causing the attacker pain during withdrawal and (ideally) giving the victim time to escape. The condom would remain attached to the attacker’s body when he withdrew and could only be removed surgically, which would alert hospital staff and police. This device could assist in the identification and prosecution of rapists.
A medieval device built on hatred of men? Or a cheap, easy-to-use invention that could free millions of South African women from fear of rape, in a country with the world’s worst sexual assault record?
Dubbed the “rape trap”, trademarked “Rapex”, the condom-like device bristling with internal hooks designed to snare rapists has re-ignited controversy over South Africa’s alarming rape rate, even before plans for its production were announced in Western Capethis week.
Some say the inventor, Sonette Ehlers, a former medical technician, deserves a medal, others that she needs help.
The device, concealed inside a woman’s body, hooks onto a rapist during penetration and must be surgically removed.
Ms Ehlers said the rape trap would be so painful for a rapist that it would disable him immediately, enabling his victim to escape; but would cause no long-term physical damage and could not injure the woman.
Some women’s activists call the device regressive, putting the onus on women to address a male problem.
Charlene Smith, an anti-rape campaigner, said it “goes back to the concept of chastity belts” and would incite injured rapists to kill their victims.
“We don’t need these nut-case devices by people hoping to make a lot of money out of other women’s fear,” Ms Smith said.
But Ms Ehlers contends that South Africa’s rape problem is so severe women cannot wait for male attitudes to improve.
“I don’t hate men. I love men. I have not got revenge in mind. All I am doing is giving women their power back,” Ms Ehlers said. “I don’t even hate rapists. But I hate the deed with a passion.”
The United Nations says South Africahas the world’s highest per capita rate of reported rapes – 119 per 100,000 people. Analysts say the total, including unreported rapes, could be nine times higher.
Ms Ehlers sees her invention as particularly attractive to poorer black women, because they often walk long distances through unsafe areas to and from work. She foresees women inserting the device as part of a daily security routine.
She said a majority of women surveyed said they were willing to use the device, which will go into production next year and sell for one rand (20 cents).
Ms Ehlers said she was inspired after meeting a traumatised rape victim who told her, “If only I had teeth down there.”
The Magnolia on Cervantes in Pensacola
We consistently hear good things about The Magnolia, a little boutique restaurant tucked in between a dog grooming establishment and a do-it-yourself laundry at the corner of Perry and Cervantes, in East Pensacola. What we hear, over and over, is how good the food is, so finally, we decided to give it a try.
Parking is limited in back, with crabby householders reminding you NOT to block their driveway, can’t say that I blame them. Several businesses share the parking area, and some of those parking are excess from Jerry’s, across the street, so things can fill up fast. It’s a busy corner, with Jerry’s, My Favorite Things, Taste of India, Magnolia’s, all together, and Georgio’s, Horizen, Cazadores and New York Nicks just steps away . . . there is always something to eat in this neighborhood.
Magnolia has an impressive bar, and seven or eight tables. They are friendly and welcoming, and you feel comfortable the moment you walk in. We saw a good selection of beers and wines, not overwhelming, but – as the new in word says – “curated.”
Our friends were right about the food. Every single thing we ate was full of flavor. We started with the Mushroom Soup; thank goodness I remembered to take a photo before eating every single bite! It was lush and woodsy, heavy with flavor in a light broth.
AdventureMan had the Hummingbird Sandwich (Hummus, goat cheese, sundried tomatoes & house-made olive salad on Italian) which he said was totally YUMMY:
I had the Almost Famous Rosemary Chicken Salad (Hummus, goat cheese, sundried tomatoes & house-made olive salad on Italian) served on Ritz crackers. Whoda thunk it would be such a dynamite combination? It was! Delicious!
We don’t often have dessert, but because everything had been SO good, when the owner recommended the Tres Leches, we succumbed. Oh my. Real rum, real cream and some delicious cake. Very clever, very unusual, very delicious.
We will go back again in a heartbeat – there are so many other things on the menu we want to try.
Petrella’s Italian Cafe on 9 Mile Road in Pensacola
One of the reasons AdventureMan and I have been married almost 40 years is that we agree on some very irrational basics – like nothing says romance on Valentine’s Day like Italian food. He had recently been to Petrella’s and suggested I might like it – so off we went, on the worst day of the year to try to get in someplace without a reservation. I remembered all our Valentine’s Day dinners in Kuwait, trying to get in someplace, anyplace, Italian was out of the question, fully booked. We usually ended up bribing someone to let us have an early dinner, promising to be out before our later-eating Kuwaiti Valentines diners arrived; they would never even know they had shared their reservation with us.
We were in luck. Although every table in Petrella’s was taken, within five minutes one group left and we got their booth. AdventureMan had truly nailed this one; this is a neighborhood eatery, full of people who have been eating at Petrella’s for a long time. There were lots of couples, like us, but also many groups of four, many working people having their daily lunch, and a very large table of women affiliated in some way. We speculated, maybe church? Maybe a retirement home? Maybe a club?
Petrella’s took me back to my childhood, where Italian food was “foreign” food and very exotic. People didn’t eat out so much. The very most special restaurants were steak restaurants, or clubs. Even pizza was new, not uncommon; there were frozen pizzas and home-made pizza dough, but it wasn’t the normal American kind of food – meat, potatoes, veg. It was kind of “spicy.” Yes, I can hear you laughing, but things were different, eating out was not a daily or even a weekly event, eating out was something you did maybe once a month. Even then, it was sometimes, hamburgers! Dairy Queen was about the fastest-food there was and there were no McDonalds or Burger King chains, no Kentucky Fried Chicken. There was A&W Hamburgers; there were ice-cream and soda bars, and of course, in Seattle, there was Chinese and Japanese foods.
Petrella’s is comfortable. The salads and the dishes they served are the dishes Italian restaurants have been serving for a hundred years. The lunch specials are all under $8.00, and they all come with salad and garlic bread. They take it for granted you are going to need a box to take home the excess; portions are large. We also had our lunches for dinner 🙂
This was AdventureMan’s main course, the Baked Spaghetti:
and here was mine, Petrella’s Famous Marsala (with shrimp):
It was comfort food. Nothing fancy or unexpected, but good, honest ingredients, crafted well. It’s a kind of food that calls you back again and again when you want a good reliable meal. I know we will be going back, and we will probably take family and friends, it’s that kind of place.
They have an excellent website, with their complete menu.
Something Gold For Chinese New Year: Happy China
“Happy New Year!” I called out to my Chinese friend in Aqua Aerobics.
“Happy New Year!” she shouted back, puffing just a little.
“Are you going out to celebrate?” I asked, with my find-a-good-Chinese-restaurant-agenda coming out.
“Yes, with a bunch of friends!” she responded.
“Where are you going?” I asked, genuinely curious as to where REAL Chinese people would eat real Chinese food in Pensacola.
“Happy China, over on Mobile Highway,” she told me.
I haven’t had really good Chinese food since leaving Kuwait, where we ate in a little dingy restaurant where a lot of Chinese people also ate. The food was not dumbed down, not at all.
“Will he fix you something special?” I wondered, and she replied that he would, several dishes, ordered ahead, for their large party.
So today, AdventureMan and I struck out to find the Happy China, and we did, to celebrate Chinese New Year, and it was good. I intended to order from the menu, but the buffet looked pretty good, so we decided it would be a way to get an overview. There were many many seafood items, and a noodle bar where you put together a noodle dish and then put it in warm broth to warm it all up. It was fun, the food was really good, and I look forward to going back and ordering off the menu.
On our way out, as we paid the very reasonable bill, I asked if they ever had any of the cats with the raised paws in white china with the colored paint. She said sometimes, but that they fly off the shelves.
“This year we have these ones, in gold, because it is the year of the Snake, you want something in gold,” she instructed me. I kinda liked the glitzy gold anyway, and they were $2.99, LOL, a small price for welcoming wealth into our household. The cat whose right paw is raised welcomes wealth, the left paw raised welcomes children, which are a different kind of wealth 🙂 and are also welcome in our household, our own son and other people’s children, not more for me, please!
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