What’s Causing Homelessness?

On a recent visit to Halifax, Nova Scotia we arranged a tour out to Peggy’s Cove. As we left town we drove by several downtown parks containing homeless tent encampments. When we asked our guide what was going on she had an interesting response. She said that this had sprung up only a few years ago and that reports indicate that the government isn’t sure what’s causing it and everyone seems to be at a loss as to what to do about it.

A perk in downtown Halifax, Canada

We’ve been traveling the world for decades and in recent years we’ve started noticing many more homeless encampments in many countries. The problem seems to be more serious in the western countries than anyplace else. We’ve seen camps along the banks of Seine in Paris and in Lyon under bridges. Recent trips to Vancouver and Halifax, Canada showed parks filled with tent cities. Anytime spent visiting American cities will expose similar scenes. It is becoming so common in western countries that one begins to wonder why this is happening now. In a world where increasing taxes is a common practice, one has to wonder where those taxes are going and why was homelessness less a problem some decades ago?

A homeless encampment in Paris

Any time one starts asking questions of government and public social service organizations you almost always get a similar response – “homelessness in the modern world is a complex issue with multiple causes”.

A Halifax park

Factors usually blamed for contributing to homelessness in the West include:

Lack of affordable housing – The high cost of housing, especially in western urban areas, makes it difficult for low-income individuals and less affluent families to find affordable accommodations. A recent study in the United States found the an ever growing segment of the population now is renting rather than buying. The percent of renters has increased every year for over two decades. Further aggravating this problem is the skyrocketing increases in rents disproportionate to the cost of the property investment. Additionally there is very little incentive to slow the increase in rental rates when occupancy rates remain proportionately high. Some areas blamed for the growing crises are:

A park in Vancouver Canada

Poverty and unemployment: Economic factors are a major contributing factor that includes, job loss, and low wages. In the west especially, official unemployment rates have become a mechanism more to hide the problem than to expose it. Anyone forced out of a good paying job into minimum wages is still employed. For decades the biggest trend has been toward this underemployment. Major groups have been replaced by automation from good paying jobs and are increasingly being forced to accept lower paying jobs. This results in larger numbers of people failing to secure stable employment or earn enough income to afford housing.

The banks of the Seine, Paris

Mental health issues and lack of supportive services: Mental health problems, including serious depression and substance abuse are major factors that contribute to homelessness. Limited access to mental health services and a lack of support systems exacerbate this issue. Insufficient access to healthcare, addiction treatment, and social services can make it challenging for individuals experiencing homelessness to address the underlying issues and find stable housing. In America a lack of being qualified for assistance causes males to be a large percentage of the homeless.

Under bridges in Lyon France

In many areas independent charities have been hampered by changes in government policies while at the same time government has increased budgets to address the homeless with little results. It is important to understand that the causes of homelessness change over time and can vary from region to region. Government also has little motivation to solve the problem if there is little pressure applied by the general public. Addressing homelessness first requires all of us to stop ignoring the issue and also requires a comprehensive approach that includes affordable housing initiatives, mental health support, employment opportunities, and social services to help individuals regain stability.

Surfs Up At Bondi Beach, Australia

While Bondi Beach is a famous beach resort and a great surfing venue, it is also famous for the largest free sculpture exhibition in the world. A sculpture event known as Sculptures By The Sea featured each year in October-November.

Bondi Beach And The Sculptures By The Sea

Bondi Beach, in addition to surfing, is famous for the Bondi to Bronte Coastal Walk. The walk is an iconic 3-km. paved trail along the coast between two well-known Sydney beaches. The walk offers sweeping ocean vistas of the coastline and sea from a paved trail that is beautifully fit into the cliffs between the two beaches. From mid October into early November the walk becomes an outdoor sculpture exhibit featuring works of artists from all over Australia and beyond.

Anyone visiting Sydney, especially during this time of year should really try to fit in a visit to Bondi Beach. The town is easy to reach via a Sydney T4 train from central station to Bondi Junction/ There you switch to a Beach bus. We would recommend getting an Opal card to make the best use of the area transportation (See our post on the Opal Card).

The beach itself is a sweeping two kilometers of crescent sand and the bars and eating venues along the beach street have a beach boardwalk vibe. The real draw though is the surf and in the world of surfers the waves at Bondi are legendary. Even without the art it is one of Sydney’s “must see” destinations and don’t forget to pick up a “Surf Bondi” Tee shirt before you leave.

Revisiting D-Day On Veterans Day

A Salute To All Those Who Served

 Veterans Day is more a time to remember than a holiday and we all should give thanks for those who served this country regardless of who they were. Following is a return visit to the location of one of the America’s most horrific battles and one of our greatest war time victories.

The Invasion Beaches of Normandy, France

Memorial in the Surf at Omaha Beach
D-Day Execution June 6th 1944
German Gun Defenses at Pointe du Hoc

After almost eighty years after the landing a visit to the beaches of Normandy is an emotional experience. After our day there we firmly believe that if you want to see Paris – spend several days at a minimum but do not pass up any opportunity to visit Normandy.

The Seaside Town of Arromanches

Even if it’s a short trip to Paris you should consider a day trip out to the D-Day beaches. There are a number of tours available from Paris to Normandy and many can be booked through your hotel. Another option is to rent a car and spend a couple of days in the area on your own. The countryside is beautiful and the people welcoming.

Your day should include a visit to the Caen Memorial Museum, the Normandy American Cemetery and Memorial at Colleville-sur-Mer, a tour of Pointe du Hoc, as many beaches (Utah, Omaha, Gold, Juno, Sword) as you can fit in, Arromanches-les-Bains and the Pegasus bridge. There are also a number of other cemeteries in the area honoring those that gave their lives from the British Commonwealth and many other countries.

Shell Craters at Pointe du Hoc

The French people have a less then accommodating reputation, but, throughout our day, we discovered the people of Normandy friendly, talkative and still wanting to express gratitude to Americans for the sacrifices on D-Day. While at Pointe du Hoc we saw a number of French school tours visiting and there seemed to be a serious effort to keep that moment in history alive for successive French generations.

Normandy American Cemetery

Even today, visiting the quiet beaches and the cliffs of Pointe du Hoc, the enormity of that event in 1944 still has an emotional impact. It is overwhelming to walk thru the Normandy American Cemetery with the 9,387 head stones standing in row after row, like the fallen soldiers they mark. Walking in the cemetery it is hard to process the number of lives lost in so short a time. The land beneath the cemetery is U.S. soil and the cemetery is maintained and operated by American personnel.

The 90 Foot Cliffs at Pointe du Hoc

At Pointe du Hoc the tops of the cliffs are spotted with the immense concrete German bunkers and the ground is still gouged with the craters made by the Allied naval gun barrages. The most impressive thing, however, is to look down those ninety-foot cliffs and realize that 225 American Rangers climbed them while under attack from German gunfire and bad weather.

In addition to the D-Day experience is a drive through the beautiful French countryside. There are farms and villages spotted with yellow canola fields and bordered by oak trees thick with clusters of mistletoe. All-in-all an unforgettable experience.

Is There A Spring In Norway?

Cloudy With A Chance Of Cold!

Crossing the North Sea recently for a late Spring cruise up the Norwegian coast the scene above was our first glimpse of Norway. For the next week we were mostly surrounded by snow covered mountains. Those cold, stark landscapes may suggest why the Vikings were always gone pillaging the British Isles and the coast of France?

Planning A Cruise? Start By Checking Out The Intentional Travelers Port Guides

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Prepaid Travel, Insurance And Force Majorie

The escalating situation in the Middle East has had a serious impact on many frequent international travelers. For those that have plans that include the Middle East there are now concerns about an increase in terrorist attacks, getting stranded by air travel shutting down and getting caught up in civil unrest. Currently Westerners are particularly vulnerable.

What is Force Majorie?

People buy insurance for all kinds of reasons. Auto insurance, health, home, travel and more and they are all based on a contract. In many of those legal contracts are conditions and events where the insurance company does not have to pay or only a limited percentage. They regularly include war, some natural disasters and specific failures on the part of the person insured. Often the term “force majeure” comes up.

Most Travel insurance policies typically have a section called “force majeure,” which refers to unforeseeable circumstances beyond the control of the policyholder, the travel vendor or the insurance company that prevent the policyholder from traveling , completing their trip or deciding things look too unsafe. The term is a dubious legal expression that is often ignored or misunderstood by the individual involved in buying the contract. It originates from the 1804 Code Napoleon, and refers to occurrences beyond the reasonable control of a party to a contract that prevents fulfillment.

In the context of travel insurance, force majeure events can include natural disasters, acts of terrorism, political unrest, war, or other events that make it impossible or unsafe to travel.

If a force majeure event occurs, the policyholder may be eligible for coverage under their travel insurance policy, depending on the specific terms and conditions stated in the policy. It’s important to carefully review your policy and understand what is and isn’t covered in the event of a force majeure event.

Recently, because of Covid, there have been a number of recommendations on what to look for in travel insurance that includes “cancel for any reason” suggesting that technically sidesteps force majeure. It would seem an excellent option – but is it? In the insurance companies perfect world, a premium equivalent to the total cost of the trip would be best for them. In the travelers perfect world insurance cost wouldn’t change and would include “cancel for any reason” with a full cost pay out. Neither is ever going to happen but there are options to consider and be sure that the cost is worth your risk.

“Cancel for any reason” (CFAR) travel insurance is a type of travel insurance that provides the most flexibility when it comes to canceling your trip. Unlike traditional travel insurance, which typically only covers specific reasons for cancellation such as illness or injury, CFAR insurance allows you to cancel your trip for any reason and usually receive a partial refund.

With CFAR insurance, you can cancel your trip for reasons that are not typically covered by standard travel insurance policies, such as changing your mind, work-related issues, or simply wanting to avoid potential risks or uncertainties. It provides peace of mind and allows you to recoup a portion of your prepaid expenses if you decide to cancel your trip for any reason.

It’s important to note that CFAR insurance usually needs to be purchased within a certain timeframe after making your initial trip deposit, and it typically covers a percentage (usually around 50-75%) of your non-refundable trip costs. Additionally, the coverage amount and eligibility criteria may vary depending on the insurance provider.

In selecting travel insurance you also have the option of buying a complete medical plan (Geoblue) , a medical evacuation plan (EA+) or a complete annual insurance policy (Allianz, Amex) that offer some coverage in virtually all areas. One caution is that most annual policies only provide coverage while on trips of less than 60 days each. If you’re considering CFAR travel insurance, it’s recommended to carefully review the policy terms and conditions, as well as compare different insurance providers to find the best coverage and rates for your specific needs.

Around St. Petersburg, Florida

Sunset in Dunedin

A Few Of Our Favorite Places Around Tampa Bay

On the western side of Tampa Bay is a peninsula that encompasses four cities. St. Petersburg, Clearwater, Largo and Dunedin. In addition to spectacular beaches, the area has a lot more to experience.

Starting in the north is the city of Dunedin famous for a daily sunset celebration. It features a great downtown area with good shopping, restaurants, a wine café and every evening people gather for a sunset celebration on the towns main pier.

In addition to a couple of great tropical gardens the area has a world-class aquarium, a major art museum and a couple of often overlooked gems.

Florida Botanical Gardens

“Our Urban Oasis” Bring the family and spend the day. The Gardens are open almost every day of the year and admission is free!

Sunken Gardens

A botanical paradise in the midst of a bustling city. As St. Petersburg’s oldest living museum, this 100-year-old garden is home to some of the oldest tropical plants in the region.

Unwind as you stroll through meandering paths, lush with exotic plants from around the world. Explore cascading waterfalls, beautiful demonstration gardens, more than 50,000 tropical plants, and flowers.

Sunken Gardens
Sunken Gardens
Mazzaro’s Italian Market

Maybe other cities have an Italian deli like this one but I doubt it. If you have the time look this one up. From fresh roasted coffee to delicious deli selections, gourmet baked goods to handmade pastas and specialty cheeses, Mazzaro’s is more than a one-of-a-kind Italian gourmet market – it’s one of the Tampa Bay areas favorite culinary destinations.

Tampa Bay is an area where land and water create a maze of amazing places to visit. West of St. Petersburg is the city of Tampa with its own attractions worthy of your time. From Busch Gardens requires a full day, on the Tampa waterfront is one of America’s best aquariums and don’t miss the Cuban flavor of Ybor City known for its lively nightlife, diverse dining options, and unique character. The neighborhood is home to numerous restaurants, bars, clubs, and live music venues. It also hosts several famous annual events, such as the Gasparilla Pirate Festival and the Sant’Yago Knight Parade.

The Florida Aquarium

Come experience Florida’s Best Aquarium and one of the “top 5 kid-friendly aquariums in the country”! Whether exploring “the great outdoors” while inside a cool, air-conditioned facility or coming face to beak with penguins, The Florida Aquarium is a fabulous destination in the Tampa Bay area.

The American Victory

Located on a pier right next to The Florida Aquarium make time to visit a real piece of WWII history. Welcome aboard the American Victory Ship and Museum, a non-profit 501(c)3 organiztion! As one of only 4 fully-operational WWII ships in the country, the American Victory Ship is a true American icon and is recognized on the National Register of Historic Places. Come aboard and witness virtually the entire ship including cavernous three-level cargo holds, radio and gyro rooms, hospital, galley, weaponry, steering stations, flying bridge, signaling equipment, wheelhouse, mess halls, crew cabins, lifeboats, the Captain’s quarters, cargo equipment and the engine. Learn more about the American Victory HERE.

The Dali Museum

This modern marvel celebrates the life and work of Salvador Dali (1904-1989) and features works from the artist’s entire career. The collection includes over 2,000 works from every moment and in every medium of his artistic activity including 96 oil paintings, many original drawings, book illustrations, prints, sculpture, photos, manuscripts and an extensive archive of documents. Founded with the works collected by Reynolds and Eleanor Morse, the Museum has made significant additions to its collection over the years. 

If you have a car don’t miss an opportunity for an evening drive over the Sunshine Skyway Bridge. It spans Tampa Bay, connecting St. Petersburg to the southern west coast. The bridge is a major landmark opened in 1987. The bridge is 4 miles long and hits a height of 430 feet offering stunning views of the bay.

Come for the beaches but be sure to spend a little extra time exploring this vibrant area.