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.
A Thorny Sermon: The Prodigal Son
From today’s Lectionary reading, the Gospel:
GOSPEL: Luke 15: 1 – 3, 11b – 32 (RCL)
Luke 15: 1 – 3, 11 – 32 (Roman Catholic)
Luke 15:1 (NRSV) Now all the tax collectors and sinners were coming near to listen to him. 2 And the Phar’isees and the scribes were grumbling and saying, “This fellow welcomes sinners and eats with them.”
3 So he told them this parable:
11 Then Jesus said, “There was a man who had two sons. 12 The younger of them said to his father, “Father, give me the share of the property that will belong to me.’ So he divided his property between them. 13 A few days later the younger son gathered all he had and traveled to a distant country, and there he squandered his property in dissolute living.
14 When he had spent everything, a severe famine took place throughout that country, and he began to be in need. 15 So he went and hired himself out to one of the citizens of that country, who sent him to his fields to feed the pigs. 16 He would gladly have filled himself with the pods that the pigs were eating; and no one gave him anything.
17 But when he came to himself he said, “How many of my father’s hired hands have bread enough and to spare, but here I am dying of hunger! 18 I will get up and go to my father, and I will say to him, “Father, I have sinned against heaven and before you; 19 I am no longer worthy to be called your son; treat me like one of your hired hands.” ‘
20 So he set off and went to his father. But while he was still far off, his father saw him and was filled with compassion; he ran and put his arms around him and kissed him. 21 Then the son said to him, “Father, I have sinned against heaven and before you; I am no longer worthy to be called your son.’ 22 But the father said to his slaves, “Quickly, bring out a robe–the best one–and put it on him; put a ring on his finger and sandals on his feet. 23 And get the fatted calf and kill it, and let us eat and celebrate; 24 for this son of mine was dead and is alive again; he was lost and is found!’ And they began to celebrate.
25 “Now his elder son was in the field; and when he came and approached the house, he heard music and dancing. 26 He called one of the slaves and asked what was going on. 27 He replied, “Your brother has come, and your father has killed the fatted calf, because he has got him back safe and sound.’
28 Then he became angry and refused to go in. His father came out and began to plead with him. 29 But he answered his father, “Listen! For all these years I have been working like a slave for you, and I have never disobeyed your command; yet you have never given me even a young goat so that I might celebrate with my friends. 30 But when this son of yours came back, who has devoured your property with prostitutes, you killed the fatted calf for him!’
31 Then the father said to him, “Son, you are always with me, and all that is mine is yours. 32 But we had to celebrate and rejoice, because this brother of yours was dead and has come to life; he was lost and has been found.'”
Sometimes people will leave off the part about the elder son, and just concentrate on the return of the younger son, focusing on the father watching always, hoping for the return of the younger son, ready to forgive and welcome before the words can even get out of the younger son’s mouth.
It is wonderful, and reassuring, for those of us sinners.
Many, however – including me – can also identify with the oldest son who says “I’ve always done everything right and you’ve NEVER given me a tiny goat, much less a fatted calf, and you’re throwing this party for the son who blew his entire fortune on louche living???”
It doesn’t seem fair, does it? Isn’t that really the point of the story, that we can’t behave our way into heaven, it is sheer grace, the love of the heavenly creator, that allows us in? It’s not an easy concept to wrap my mind around, so today I struggle to take it in, and I give thanks for Father Neil who tackles the hard questions and doesn’t just sweep them under the carpet because they are inconvenient. (The sermon isn’t up yet, but when it is available, you will find it here)
Child Marriage Increases Due to Financial Crisis
I have mixed feelings about child marriage. On one hand, girls are so immature in their teen years, and their bodies are not fully formed for child bearing. On the other hand, they are physically mature, and the hormones are raging.
A good friend married off her daughter at fifteen. She was actually “married” by contract at fourteen, but the families waited for the official marriage until she was fifteen. I was heartsick, but the girl herself was delighted. She liked the man she was marrying. She had no fears, no concerns. She started having babies – and she continued going to school, through university. I know it can work; I have seen it.
On the other hand, selling off a thirteen year old to a man she has never met, especially an OLD man, fills me with disgust. It’s a whole different situation.
Neither is it such a good thing, in our own culture, to have fourteen year old girls raising their babies with no husband around to be a father to the child. We all have some problems to face working out mating.
This is an excerpt from an article I found on Huffpost for International Women’s Day. You can read the whole article here.
Child Marriage On Rise As Global Crises Increase, New Study Says
Jessica Prois
Jessica.Prois@huffingtonpost.com
Half of all girls living in the world’s 51 least-developed countries have been married before the age of 18, according to the U.N. The World Vision study, released to coincide with International Women’s Day on March 8, found that such marriages are on the rise due to an increase in global poverty and crises. Researchers highlighted that parents living in areas prone to political instability or natural disasters are more likely to marry off their daughters at a young age, largely due to fear from these crises. Children living in these areas, such as South Sudan or Somalia, are also more likely to be forced into child marriage, the study said.
Erica Hall, Child Rights Policy director at World Vision, explained that the root causes of child marriage — poverty and gender inequality — are being exacerbated.
“Worldwide, there are increases in security issues and increases in natural disasters linked to global warming,” Hall said. She cited the recent humanitarian crisis in the Sahel region of North Africa and Somalia due to drought and political unrest as an example in which many girls often quit school and are sent to work as domestic workers or are married, to reduce the burden on their families.
For Bangladeshi families such as Humaiya’s, drought and lack of food are the primary reasons to discharge a young girl from her home. One of the most unjust impacts of this is education inequality. World Vision’s research in Bangaldesh revealed that girls who were unable to attend school due to disruptions from natural disasters were more likely to marry early.
Humaiya speaks out about child rights issues such as early marriage and became an advocate through World Vision, which introduced Humaiya to HuffPost. She said she knows that her ongoing education in Bangladesh is rare. Some 66 percent of girls in Bangladesh are married before age 18, according to World Vision. Humaiya works to educate her peers in her village and speaks to government leaders, asking them to do more to stem child marriage and provide greater education opportunities.
But Humaiya told The Huffington Post that she has seen many of her friends married off, and described how disconnected she feels from the girls she has been friends with for five or more years.
“Now they are good cooks,” she said. “They are like my mother, even though we are the same age. I don’t know how to manage a family, but they know.”
She explained that her mother was 16 when she was forced to get married, and lost a son by the time she was 18 years old.
In Bangladesh, the law is that girls can’t marry until they’re 18 and boys can’t marry until they’re 21. But the rules are not implemented, Hall said.
“The law is not the problem,” she pointed out. “You have to have political will to do that and capacity and understanding among law enforcement. The goal is to get governments to enforce these things, and — this is such an NGO word — but it has to be a holistic approach.”
Hall pointed out that requiring marriage registration and working on a grassroots community level is key to creating systemic change. She cited examples such as the Grandmother’s Project in southern Senegal, a nonprofit partner of World Vision that focuses on reducing early marriage, female genital mutilation and early pregnancy by creating an intergenerational dialogue about how to shift the gender-role paradigm.
“That’s been successful — you know how grandmothers are — in getting an idea like that across that it doesn’t have to be part of the tradition,” Hall said.
World Vision also works with religious leaders to address the practice of child marriage.
“There is a strong foundation in religion that children should be protected and they don’t want girls dying in childbirth and these leaders say, ‘This is a tenet of our faith and this is why we are going to start speaking out against it,'” Hall explained.
The issue of child marriage has gained momentum outside of the NGO world as well. Former Secretary of State Hillary Clinton announced last October a public-private initiative that focuses on ending child marriage by increasing education opportunities, providing training among officials and tracking every country’s legal minimum age of marriage — in particular in Humaiya’s home country of Bangladesh.
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!
Maldives Rape Victim Sentenced to 100 Lashes for PreMarital Sex

Where are the Maldives Islands?
Raped by her stepfather, impregnated against her will, her stepfather killed the baby, and now, sentenced by Sharia law to 100 lashes for pre-marital sex. How can this be justice? (This is from BBC News)
Maldives girl to get 100 lashes for pre-marital sex
By Olivia Lang
BBC News
A 15-year-old rape victim has been sentenced to 100 lashes for engaging in premarital sex, court officials said.
The charges against the girl were brought against her last year after police investigated accusations that her stepfather had raped her and killed their baby. He is still to face trial.
Prosecutors said her conviction did not relate to the rape case.
Amnesty International condemned the punishment as “cruel, degrading and inhumane”.
The government said it did not agree with the punishment and that it would look into changing the law.
Baby death
Zaima Nasheed, a spokesperson for the juvenile court, said the girl was also ordered to remain under house arrest at a children’s home for eight months.
She defended the punishment, saying the girl had willingly committed an act outside of the law.
Officials said she would receive the punishment when she turns 18, unless she requested it earlier.
The case was sent for prosecution after police were called to investigate a dead baby buried on the island of Feydhoo in Shaviyani Atoll, in the north of the country.
Her stepfather was accused of raping her and impregnating her before killing the baby. The girl’s mother also faces charges for failing to report the abuse to the authorities.
The legal system of the Maldives, an Islamic archipelago with a population of some 400,000, has elements of Islamic law (Sharia) as well as English common law.
Ahmed Faiz, a researcher with Amnesty International, said flogging was “cruel, degrading and inhumane” and urged the authorities to abolish it.
“We are very surprised that the government is not doing anything to stop this punishment – to remove it altogether from the statute books.”
“This is not the only case. It is happening frequently – only last month there was another girl who was sexually abused and sentenced to lashes.”
He said he did not know when the punishment was last carried out as people were not willing to discuss it openly.
Defending the World Against Bland Food
One of our life dreams came true when we were able to visit Avery Island and the McIlhenny Company. Tabasco sauce is on every table in almost every restaurant in the South, right along with the salt and pepper. When AdventureMan was serving in VietNam, soldiers had a tiny bottle of Tabasco in each ration, to spice up the food. The quote “defending the world against bland food” gave me a big grin. Rest in Peace, Paul C.P. McIlhenny. (This is from AOL News/Huffpost today)
Paul C.P. McIlhenny Dead: CEO Of Tabasco Company Dies At 68
AVERY ISLAND, La. — Paul C.P. McIlhenny, chief executive and chairman of the board of the McIlhenny Co. that makes the trademarked line of Tabasco hot pepper sauces sold the world over, has died. He was 68.
The company, based on south Louisiana’s Avery Island, said in a statement that McIlhenny had died Saturday. The statement, released Sunday, credited McIlhenny’s leadership with introducing several new varieties of hot sauces sold under the Tabasco brand and with greatly expanding their global reach.
McIlhenny was a member of a storied clan whose 145-year-old company has been producing the original world-famous Tabasco sauce for several generations, since shortly after the Civil War. The statement said McIlhenny joined the company in 1967 and directly oversaw production and quality of all products sold under the brand for 13 years.
Under his management, the company experienced years of record growth in sales and earnings, according to the company.
McIlhenny also worked to develop an array of items that could be marketed and emblazoned with the Tabasco logo: T-shirts, aprons, neckties, stuffed toy bears, and computer screensavers, the Times-Picayune of New Orleans noted. The newspaper first reported the death and noted that McIlhenny was an executive with a keen sense of humor, quipping days before he reigned as Rex, the King of Carnival, for Mardi Gras in 2006: “We’re defending the world against bland food.”
The Times-Picayune said he had taken up the post of company president starting in 1998 before adding the title of CEO two years later. It added that his cousin, Tony Simmons, took over as president last year.
“All of McIlhenny Company and the McIlhenny and Avery families are deeply saddened by this news,” said Tony Simmons, president of McIlhenny Company and a McIlhenny family member, in the company’s statement.
He added: “We will clearly miss Paul’s devoted leadership but will more sorely feel the loss of his acumen, his charm and his irrepressible sense of humor.”
The statement said McIlhenny led the way on new brand merchandising, taking an instrumental role in the company’s catalog business of licensed merchandise. He also was a driving force behind the growing global reach of Tabasco products, today sold in more than 165 countries and territories.
The company said McIlhenny, at the time of his death, was also a company director. He was a sixth-generation member of the family to live on Avery Island and among the fourth generation to produce the Tabasco brand sauce on Avery Island, where patriarch Edmund McIlhenny had founded the company in 1868.
Born on March 19, 1944, he grew up in New Orleans and spent much of his childhood moving between New Orleans the family compound on Avery Island, according to The Times-Picayune.
Reports noted he also had been an impassioned board member of America’s Wetland Foundation because of his longtime interest in preserving south Louisiana coastlines crumbling under the onslaught of decades of erosion.
Attorney Edward Abell called his friend McIlhenny “a well-known figure.”
“It really kind of puts us on the map here,” Abell said, “because the Tabasco products are known all over the world.”
















