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In Honor of Veteran’s Day CereScan® Offers No Cost Brain Mapping and Consultations to Military Service Members and Families

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In honor of Veteran’s Day, starting November 11 and continuing for the remainder of 2016, CereScan will offer free qEEG (Quantitative Electroencephalography) brain mapping – a $900 value — with every two-scan qSPECT appointment at its metro Denver location.

Denver, Colorado (PRWEB) November 10, 2016

In honor of Veteran’s Day, starting November 11 and continuing for the remainder of 2016, CereScan will offer free qEEG (Quantitative Electroencephalography) brain mapping – a $900 value — with every two-scan qSPECT appointment at its metro Denver location. The company will also provide free consultations to military service members and their families concerned about lingering symptoms from past head injuries or other brain conditions.

CereScan is the nation’s leader in providing statistically measured brain diagnostics. The Denver-based company is proud to assist veterans and service members struggling with Traumatic Brain Injury (TBI) and Post-Traumatic Stress Disorder (PTSD) with this discounted brain diagnostic package*, eligible for military patients and their families.

“Veterans risk their lives to protect our country and we need to be there for them when they return home by providing our wounded warriors with the care they deserve” said John Kelley, CEO and Chairman of CereScan. “Finding an answer for the women and men fighting these invisible war wounds should be a priority every day of the year.”

The Department of Defense and the Defense and Veteran's Brain Injury Center estimates that 22 percent of all combat casualties from the Iraq and Afghanistan conflicts are brain injuries and 60 percent to 80 percent of soldiers who have other blast injuries may also have TBI. Additionally, one in three soldiers with TBI are also diagnosed with Depression or PTSD, according to 2008 Tanielian & Jaycox research.

Traumatic brain injuries can affect the functionality of the brain and many times lead to psychological issues such as nervousness, irritability, depression and mood swings. Due to the variety of symptoms that can result from a TBI, the condition is commonly misdiagnosed.

That’s where CereScan can make all the difference. CereScan’s qSPECT imaging technology goes beyond traditional diagnostic tools and reviews cerebral blood flow and cellular processes that help accurately diagnose TBI, helping physicians and patients create an effective treatment plan.

“There is still such a stigma in the U.S. that if you’re not emotionally stable, then there’s something really wrong with you and people don’t want that stigma. However, if you have Post Traumatic Stress or Traumatic Brain Injury then you feel emotionally unstable,” said Gale Pollock, Ret. Major General and CereScan Scientific Medical Advisory Board Member. “With CereScan’s qSPECT analysis, veterans can see what’s going on inside their brains in order to better understand the vascular strength of the different brain segments. Which can then help them begin a targeted treatment plan designed for their specific needs.”

In April 2016, CereScan and its wholly-owned subsidiary, Molecular Imaging of Colorado, began accepting TRICARE, the health insurance provider of the United States Department of Defense Military Health System. The insurance provides healthcare benefits, including reimbursements for functional brain imaging, to active-duty military members, retirees, and their families.

QEEG brain mapping is the latest diagnostic service to be offered by CereScan. In conjunction with the company’s qSPECT functional brain imaging, the two procedures provide a comprehensive look into how the brain is functioning. While SPECT imaging measures perfusion patterns (blood flow) and pinpoints problem areas below the cortex, qEEG measures cortical electrical activity by measuring brainwaves.

*CereScan’s discounted brain diagnostic package is only available to military service members and their immediate family members through 2016. The package includes one free consultation and one free qEEG brain mapping with every two SPECT scans. The two scans are comprised of a baseline scan (resting) and concentration scan. The package is subject to scheduling restrictions. The discount is only available at CereScan’s metro Denver facility, which is located at 991 Southpark Drive, Suite 200, Littleton, Colorado, 80120.

About CereScan®
CereScan combines state-of-the-art qSPECT, qEEG and PET/CT brain imaging technologies with a patient centered model of care to provide the highest level of neurodiagnostics anywhere. Using quantitative functional brain imaging, advanced imaging software, and an extensive library of clinical data, the CereScan medical team provides physicians with unmatched objective diagnostic information. CereScan helps patients and their physicians better understand the neurological basis of their conditions. In a variety of legal settings, CereScan provides unbiased evidence to attorneys and their clients regarding traumatic and toxic brain injuries. For researchers, CereScan provides independent pre- and post-treatment measures of organic changes in the brain along with measures of symptoms related to the brain disorder of interest. For more information, please call (866) 722-4806 or visit http://www.CereScan.com. Connect with CereScan on Twitter @CereScan and on Facebook at Facebook.com/CereScan. Reported by PRWeb 15 hours ago.

Trump Reveals Policy Goals: "Building That Wall", End "War On Coal", Repeal Obamacare, Dismantle Dodd-Frank

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On his transition website GreatAgain.gov, the Trump team has laid out the framework of his initial policies with policies focused i) on American Security including as Defense and National security, Immigration Reform and Building That Wall, and Energy Independence; ii) Getting America Back to Work Again including Tax Reform; Regulatory Reform; Trade Reform; Education; Transportation & Infrastructure and Financial Services Reform; and iii) Government for the people including Healthcare Reform (Obamacare), Veterans Administration Reform and Protecting Americans' Constitutional Rights.

The key highlights include:

· *overhaul in immigration policies,* including "Building that Wall" , the Trump transition team will "execute on the following ten-point plan to restore integrity to our immigration system, protect our communities, and put America first" - i) Build a Wall on the Southern Border; ii) End Catch-and-Release; iii) Zero Tolerance for Criminal Aliens; iv) Block Funding for Sanctuary Cities; v) Cancel Unconstitutional Executive Orders & Enforce All Immigration Laws; vi) Suspend the Issuance of Visas to Any Place Where Adequate Screening Cannot Occur; vii) Ensure that Other Countries Take Their People Back When We Order Them Deported; viii) Finally Complete the Biometric Entry-Exit Visa Tracking System; ix) Turn Off the Jobs and Benefits Magnet
· *promoting a strong, robust military force *to defend against the "threat posed to our nation and our allies by radical ideologies that direct and inspire terrorism." The administration will push for immediate and sustainable actions to counter the threats posed by radical ideologies; will address the "catastrophic threats posed by nuclear weapons and cyber attacks" and will "ensure our strategic nuclear triad is modernized to ensure it continues to be an effective deterrent, and his Administration will review and minimize our nation’s infrastructure vulnerabilities to cyber threats."
· *dismantling and replacing of the Dodd-Frank Act financial-sector law *with pro-growth policies. This means that banks will be allowed to not only engage in prop trading again, but to invest directly in hedge funds. “The Dodd-Frank economy does not work for working people. Bureaucratic red tape and Washington mandates are not the answer,” says statement on Trump’s official transition website.
· *changing the tax code: *policies since President Obama took office “have been blocked in one way or another” by Democratic opposition, the transition website says in section outlining “tax reform/economic vision.” It adds that “a Trump administration tax plan can be summarized as lower, simpler, fairer, and pro-growth.” as the website summarizes "a Trump Administration tax plan can be summarized as lower, simpler, fairer, and pro-growth."
· *addressing the millions of American jobs that have been lost over the last decade *"because of trade deals that do not put Americans first."  The administration will "reverse decades of policies that have pushed jobs out of our country" by making it more desirable for companies to stay, create jobs here, pay taxes here, and rebuild the economy. The new Administration will make it more desirable for companies to stay, create jobs here, pay taxes here, and rebuild our economy.  Our workers and the communities that support them will thrive again, as more and more companies compete to set up manufacturing in the U.S., to hire our young people and give them hope and a real shot at prosperity again.  America will become, once more, a destination for jobs, production and innovation and will once more show economic leadership in the world.
· *fixing education:* Trump will advance policies to support learning-and-earning opportunities at the state and local levels for approximately 70 million school-age students, 20 million post-secondary students, and 150 million working adults, To achieve this, Trump will promote high-quality early childhood, magnet, STEAM or theme-based programs; expansion of choice through charters, vouchers, and teacher-driven learning models; and relief from U.S. Department of Education regulations that inhibit innovation.
· *restructuring US energy policies including ending the "war on coal"*: "make full use" of both renewable and tradition energy sources. "America will unleash an energy revolution that will transform us into a net energy exporter, leading to the creation of millions of new jobs, while protecting the country’s most valuable resources –- our clean air, clean water, and natural habitats,” the website says. “The Trump administration is firmly committed to conserving our wonderful natural resources and beautiful natural habitats." The transition team also vows to open onshore and offshore leasing for federal land and waters for fossil fuel producers, streamline energy permitting, end “war on coal.” The site also pledges “top-down review of all anti-coal regulations issued by the Obama administration.”
· *"Repeal Obamacare" *- the Trump administration will work with Congress to repeal Affordable Care Act with replacement that "returns the historic role in regulating health insurance to the states," according to transition plan released Thursday. Replacement would include promotion of Health Savings Accounts and option to buy insurance across states lines. The transition team also says it will act to “protect innocent human life from conception to natural death, including the most defenseless and those Americans with disabilities” and "modernize Medicare, so that it will be ready for the challenges with the coming retirement of the Baby Boom generation – and beyond."
· *protect Americans' constitutional rights:* the Trump administration will veto legislation that exceeds Congressional authority, take actions as Chief Executive and Commander-in-Chief that are consistent with his constitutional role, and nominate Judges and *Supreme Court Justices *who are committed to interpreting the Constitution and laws according to their original public meaning.  Trump says "he will defend Americans' fundamental rights to free speech, religious liberty, *keeping and bearing arms, *and all other rights guaranteed to them in the Bill of Rights and other constitutional provisions." He hopes to minimize the role of government including the "Tenth Amendment guarantee that many areas of governance are left to the people and the States, and are not the role of the federal government to fulfill."

The full breakdown can be found here. Reported by Zero Hedge 14 hours ago.

White House says implementing Obamacare through Jan. 20 a priority

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Getting more Americans to enroll for health insurance under President Barack Obama’s healthcare law known as Obamacare is a top priority of his administration until President-elect Donald Trump takes office on Jan. 20, the White House said on Thursday. “We would be focused on … max... Reported by Raw Story 14 hours ago.

American Teachers Needed For Record Number of Teaching Jobs Abroad in 2017

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Teach Away seeks qualified US teachers to fill their highest ever number of teaching jobs overseas as international teacher recruitment season opens.

TORONTO, CANADA (PRWEB) November 10, 2016

Leading international teacher recruitment company, Teach Away, is currently seeking applications from certified US teachers to fill a record high number of teaching jobs at schools around the world. Teach Away reports their highest number of international teacher vacancies to date, as overseas job opportunities for 2016 - 2017 have increased by 150% compared to the previous year. This increase is almost certainly due to the international school market almost doubling in size over the past five years.

As the international recruitment season kicks off for the upcoming school year, American teachers are in especially high demand for career opportunities in the Middle East and Asia. Teachers with a US teaching license, Bachelor’s degree and two years of post-certification experience, who are open minded and looking for a new adventure, could be in the running for some of the world’s most sought-after teaching jobs. Some of the most exciting current opportunities include the following:

Teaching Opportunities in Abu Dhabi for 2017

Teach Away is hiring hundreds of US-certified teachers to fill a huge range of teaching positions, including English, Math and Science, with the Abu Dhabi Education Council. These roles support the development of Abu Dhabi’s public school reform program.

Some of the perks teachers can expect include a competitive, tax-free salary (approximately $3,350 - $5,500 USD/month), flights to and from the UAE at the beginning and end of the contract, health insurance, an end-of-contract bonus and more. Find more details on teaching in Abu Dhabi here.

Teach Away will be holding upcoming interview sessions (by invitation only) for US teachers:· December 7, 2016 in Chicago, IL
· December 12 - 13, 2016 in Houston, TX

US teachers can view and apply for all teaching jobs in Abu Dhabi here.

International Teacher Job Fair in San Francisco, February 2017

Hundreds of international schools will be hiring at the upcoming Teach Away and International School Services’ teacher job fair in San Francisco, taking place February 9 - 12, 2017.

School heads from over 100 of the world’s top-tier international schools in the Middle East, Europe, Asia, South America and Africa will be in attendance and ready to hire US-qualified teachers for a wide variety of teaching positions across all subjects and grade levels. American teachers can apply to attend online via the Teach Away website. Admission to the job fair is free, and by invite only. View the list of schools attending the fair and apply to attend here.

About Teach Away

Teach Away is a careers and professional development platform for education professionals around the world. We ensure that students are learning from the best educators worldwide, and we're achieving this through commitment to quality hiring and world-class teacher development. We envision a world where every student experiences the power of a great teacher - allowing them to reach their full potential. Reported by PRWeb 14 hours ago.

President-elect Trump means angst for 'Obamacare' consumers

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WASHINGTON (AP) — Donald Trump's election ushers in a time of high anxiety for people with health insurance under President Barack Obama's law, which expanded coverage to millions but has struggled to find widespread public acceptance. Republicans are saying they want to protect people who now are covered from losing health care in the shift. While Congress labors, look for the Trump administration to use its regulatory powers to make changes. Most directly hit would be some 10 million who like LePore have private coverage through the law's subsidized markets, and about 9 million covered under its Medicaid expansion. Another 5 million to 9 million people who buy individual policies outside the health law markets are exposed to its ups and downs. "Obamacare's" requirement that individuals get insurance or face fines doesn't stand a chance, but other provisions would likely survive in a replacement bill. House Speaker Paul Ryan has proposed tax credits to help people buy health insurance. Republicans and Democrats may also be able to find common ground on dealing with the health law's Medicaid expansion, which a number of GOP-led states have adopted. While Congress labors away, expect the Trump administration to take administrative and regulatory actions to chip away at his predecessor's signature law, or reshape it. Obama and the Democrats have paid a political price for trying to fix the problems of the uninsured and having some of those fixes generate their own complications. Reported by SeattlePI.com 13 hours ago.

President-elect Trump means angst for ‘Obamacare’ consumers

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WASHINGTON (AP) — Donald Trump’s election ushers in a time of high anxiety for people with health insurance under President Barack Obama’s law, which expanded coverage to millions but has struggled to find widespread public acceptance. While repeal now seems likely, that may take Congress months. A replacement for the 2010 health care law could […] Reported by Seattle Times 12 hours ago.

Depending On Which Trump We Get, He Could Be Really Bad For Abortion Rights

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WASHINGTON ― President-elect Donald Trump has repeatedly changed his mind on abortion. He described himself as “very pro-choice” before he decided to run for president. During the campaign, he suggested that states should be able to outlaw abortion, and that women should be punished for having them. At one point, he offered five different positions on abortion in three days.

It’s too soon to say which policies he will support in office. He has run on a pro-life platform, and his vice presidential pick, Indiana Gov. Mike Pence, signed an extreme law in March banning abortions in cases of fetal abnormality. (A federal court blocked that law from taking effect.) With the GOP in control of both chambers of Congress and at least one open seat on the Supreme Court, the effect on abortion rights could be devastating.

The Trump campaign did not respond to a request for comment.

“The pressure is going to be on [Trump] to restrict reproductive freedom, because a lot of the people who put him into office are looking for payback,” said Ilyse Hogue, president of NARAL Pro-Choice America.

The first test, Hogue said, will be Trump’s appointment of a replacement for the late Justice Antonin Scalia. Trump has claimed that if he has the opportunity to put pro-life justices on the U.S. Supreme Court, Roe v. Wade ― the 1973 decision protecting the right to have an abortion until the fetus is viable outside the womb ― will be overturned “automatically.” In reality, when it comes to social issues like abortion rights, there is a solid bloc of four votes on the court in favor of protecting access, as well as a swing vote with Justice Anthony Kennedy. The court reaffirmed a woman’s right to end her pregnancy in a landmark June decision that struck down abortion restrictions in Texas.

But some of the court’s staunchest liberals are getting older ― Justice Ruth Bader Ginsburg is 83 ― and a retirement or a death would give Trump another vacancy to fill. That would give conservatives a 5-4 majority to potentially overturn Roe or otherwise chip away at access to abortion. Some of the most influential abortion cases in recent years have been 5-4 decisions that limited access in some way ― like 1992’s Planned Parenthood v. Casey, which upheld Roe but also let Pennsylvania impose restrictions such as a 24-hour waiting period and parental consent for minors, or 2007’s Gonzales v. Carhart, which upheld a federal law barring a method of late-term abortion. The anti-abortion movement has used restrictions like these to make abortions harder to get without outlawing them completely.

If opponents of Roe were able to attack the decision head-on, the impact would be staggering for women accustomed to having access to safe and legal abortion in the United States. Trump has promised that abortion will “go back to the states,” but in reality, a complex map of state laws, court decisions and other factors would determine who would be permitted to have an abortion and where. The Center for Reproductive Rights estimated in a 2007 report that women in 21 states, including Ohio and Texas, would be at “high risk” of losing access to legal abortion.

And a Trump presidency would finally allow Republicans in Congress to defund Planned Parenthood, which they’ve tried to do eight times since 2011. Planned Parenthood, the largest family planning provider in the country, receives roughly $500 million a year in federal grants to subsidize birth control, pap smears and testing and treatment for sexually transmitted infections for low-income patients. Under Trump, Congress will likely try to end funding for those services, because some of Planned Parenthood’s health centers also perform abortions. (A long-standing federal law, the Hyde Amendment, specifically prevents that funding from being used for abortions, but conservatives still argue that any money going to Planned Parenthood is propping up abortions.)

Anti-abortion advocates have been rejoicing over Trump’s election. “Planned Parenthood has been defeated at the ballot box,” said Lila Rose, the president of Live Action. “It’s critical that we unite to hold Mr. Trump to those pledges to defund Planned Parenthood, to appoint pro-life Supreme Court justices, and to ensure that taxpayers are never forced to fund abortions.”

Matt Bowman, senior counsel at the Alliance Defending Freedom, a conservative legal organization, told HuffPost that his group hopes the future Supreme Court will “keep letting states apply common sense protections for women [and] unborn children.”

Trump has promised to sign a federal ban on abortions after 20 weeks of pregnancy, which is two to four weeks before viability. That ban might or might not include exceptions for health risks to the mother or cases of severe fetal abnormalities, which are the primary reasons women have later-term abortions. (If Trump were to sign such a bill, this could also be used to challenge Roe, since it would be unconstitutional under the court’s previous rulings about the point of viability.)

Trump has also promised to make the Hyde Amendment permanent (it currently needs to be renewed every year). That would have the greatest effect on low-income women, who may not have health insurance or may only be covered by Medicaid. (Hillary Clinton wanted to repeal the amendment.)

Trump’s election doesn’t mean a majority of the country supports these restrictions, Hogue said. Sixty-three percent of voters said they oppose overturning Roe in the most recent Pew poll on the issue. Most Americans also oppose defunding Planned Parenthood.

“If Republicans ram these restrictions through, I think they’re going to pay for it in the midterms,” she said.

The GOP also should not underestimate Planned Parenthood, which tends to thrive when it’s under attack. Cecile Richards, president of the family planning provider, assured supporters in a letter after the election that a Trump administration won’t shut down any of her clinics.

“No matter what else happens, we promise one unshakable commitment,” she said. “THESE. DOORS. STAY. OPEN.”

Kate Sheppard contributed reporting. 

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 12 hours ago.

Son Of Immigrants Is First Openly Gay Man Elected To Georgia Legislature

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Samuel Park (D), the son of Korean immigrants, made history on Tuesday after he was elected the first openly gay man to the Georgia legislature. 

The Georgia native defeated three-term incumbent Rep. Valerie Clark (R), with 51percent of the vote, becoming state representative for House District 101 in Gwinnett County. 

“The election of an openly gay man to the Georgia General Assembly represents just one more step on the road to full equality for LGBT people in Georgia,” Jeff Graham, executive director of LGBTQ advocacy organization Georgia Equality, said in a statement about the historic win. 
Those in Park’s county voted for Democratic presidential candidate Hillary Clinton at 50.96 percent. 

A grandson of refugees from the Korean War, the 31-year-old grew up with two siblings. His single mother supported their family. 

“She taught piano lessons and tutored children after school to put food on the table, and stressed the importance of education,” Park wrote on his website.

The 31-year-old, whose campaign focused on economic growth and security, healthcare, and civil rights, explained that it was his mother’s cancer diagnosis in 2014 that impacted his decision to run for office. 

“As I take my mom to her chemo appointment every two weeks, I am constantly reminded of the importance of health insurance. Access to healthcare is a matter of life or death,” Park wrote on his website. “Knowing this, based on my experiences and faith, I am compelled to run for public office to ensure all Georgians have access to healthcare by expanding Medicaid in Georgia.” 
Park’s run for office prompted his mother to vote for the first time in 30 years, he wrote on his Facebook page. 

Park said in his acceptance speech that he looks forward to beginning his journey as an elected official. 

“To everyone who supported me, to every voter who opened the door to us, and showed up at the poll,” Park wrote on his Facebook page Wednesday, following the win. “This is our win and I am proud and humbled to be part of this great community.”

 

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 11 hours ago.

Allianz SE: 3Q net income rises 36.5 percent, supported by all business segments

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DGAP-News: Allianz SE / Key word(s): Quarter Results/9-month figures

2016-11-11 / 06:59
The issuer is solely responsible for the content of this announcement.

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*Total revenues rise 0.5 percent to 27.7 billion euros in 3Q; internal
revenue growth of 1.7 percent, adjusted for currencies and consolidation

*3Q operating profit up 18.2 percent at 2.9 billion euros from year-ago

*Net income attributable to shareholders up 36.5 percent at 1.9 billion
euros in 3Q from year-ago
*Combined ratio improves to 93.5 percent in 3Q from 94.1 percent year-ago

*Operating profit in Life/Health rises 53 percent in 3Q from year-ago

*New business margin resilient at 2.8 percent in 3Q

*PIMCO third-party net flows at 4.7 billion euros in 3Q, first positive
net flows since 2Q 2013

*Cost-income ratio in Asset Management improves by 2.5 percentage points
to 60.8 percent

*Solvency II capitalization ratio at 186 percent as of September 30, 2016

*Operating profit outlook for 2016 confirmed at 10.5 billion euros, plus
or minus 500 million euros Allianz Group, Europe's largest insurer and asset manager, saw operating
profit in the third quarter rise 18.2 percent to 2.9 billion euros, driven
by contributions from all business segments. The Life and Health segment
produced the strongest results with contributions from all large operating
entities.

Net income attributable to shareholders climbed 36.5 percent in the quarter
to 1.9 billion euros due partly to better performance across its business
segments. Property and Casualty insurance saw robust internal revenue
growth of 3.1 percent when adjusted for currency and consolidation effects.

"Efforts to develop our business in a very difficult environment are paying
off," said Dieter Wemmer, chief financial officer of Allianz SE. "We're
seeing sustainable profitable growth in many businesses. Improvements from
our Renewal Agenda are bearing fruit and keeping us on track to reach our
operating profit target for the full year of 10.5 billion euros, give or
take 500 million euros."

Key performance indicators also improved in the quarter, with the combined
ratio strengthening to 93.5 percent from 94.1 percent one year ago and the
cost-income ratio in asset management improving to 60.8 percent from 63.3
percent. In the life segment, the new business margin weakened by 0.3
percentage points to 2.8 percent on the year but improved from the second
quarter by nearly the same amount despite a decline in market rates.Group: 9M performance keeps Allianz on track for full-year profit target

9M 2016 overview

Total revenues decreased by 3.2 percent to 92.4 billion euros for the first
nine months of 2016. Operating profit eased 1.7 percent to 8.0 billion
euros, driven by the Property and Casualty segment, and, to a lesser
extent, Asset Management. The Life and Health segment, however, posted an
increase in operating profit. The non-operating result was impacted by a
lower investment result and the classification of the South Korean business
as held for sale. Overall, net income attributable to shareholders was 5.1
billion euros, down 1.1 percent from the first nine months of 2015.

3Q revenues up 0.5%

In the third quarter of 2016, total revenues edged higher to 27.7 (previous
year: 27.5) billion euros. A decline in revenues from the Asset Management
segment was offset by revenue growth in the Life and Health segment.

3Q operating profit up 18.2% to EUR2.9bn

Operating profit grew 18.2 percent to 2.9 billion euros in the third
quarter, largely due to a higher investment margin in the Life and Health
segment. The Property and Casualty segment delivered a 4.3 percent rise in
operating profit due to stronger underwriting and investment results, while
Asset Management operating profit rose 0.5 percent.

3Q net income up 36.5%

Lower impairments and higher realized gains led to an improvement in the
non-operating result. Net income attributable to shareholders increased by
36.5 percent to 1.9 billion euros in the third quarter of the year. Basic
Earnings per Share (EPS) rose to 4.08 (2.99) euros.

Annualized RoE 12.4% in 9M

Annualized Return on Equity (RoE) was 12.4 percent for the first nine
months of the year 2016 (full year 2015: 12.5 percent). Annualized figures
are not a forecast for full-year numbers.

Solvency II capitalization ratio 186% at 30.9.2016

Solvency II capitalization ratio remained robust at 186 percent at the end
of the third quarter, demonstrating the resilience of the group despite the
current low interest rate environment.

3Q management assessment

"Allianz improved its performance in the quarter despite punishingly low
interest rates and the currency costs from Brexit," said Dieter Wemmer,
chief financial officer of Allianz SE.Property and Casualty insurance: internal growth strong at 3.1 percent in
3Q

9M 2016 overview

In the first nine months of 2016, gross premiums written held mostly steady
at 40.4 (40.7) billion euros. Adjusted for foreign exchange and
consolidation effects, internal growth remained strong at 3.1 percent,
mostly due to positive developments in Turkey, Germany and Argentina
driving the increase. Operating profit fell 9.9 percent to 3.9 billion
euros compared to the first nine months of 2015, partly due to high claims
from natural catastrophes in the second quarter and lower investment
income. In addition, the year-ago period was supported by the net gain from
the sale of the Fireman's Fund personal insurance business. The combined
ratio was 94.4 (94.1) percent.

3Q gross premiums written hold steady

Gross premiums written held steady at 11.5 billion euros in the third
quarter in the segment. Adjusted for foreign exchange and consolidation
effects, internal growth remained strong at 3.1 percent, mostly due to
positive developments in Turkey, Allianz Worldwide Partners and Australia.
Of that, price and volume effects contributed 1.6 percent and 1.5 percent,
respectively.

3Q combined ratio improves to 93.5%

Operating profit increased by 4.3 percent to 1.4 billion euros in the third
quarter in the segment. The underwriting result benefited from a benign
natural catastrophe environment and lower large losses. The investment
result also improved after an unfavorable foreign currency result net of
hedges in the third quarter of 2015. This positive effect was partially
offset by a lower net interest result. The combined ratio improved to 93.5
(94.1) percent.

3Q management assessment

"The rate of internal growth at over 3 percent is a clear signal that the
Property and Casualty business is robust," said Dieter Wemmer, chief
financial officer of Allianz SE.Life and Health insurance: higher investment margin drives profit growth

9M 2016 overview

In Life and Health insurance, operating profit for the first nine months of
2016 increased by 13.8 percent to 3.1 billion euros. Statutory premiums
decreased by 4.7 percent to 47.5 billion euros. The targeted shift toward
capital-efficient products lifted the new business margin to 2.6 (1.9)
percent. As a result, the value of new business (VNB) increased by 29.2
percent to 1.0 billion euros compared to the first nine months of 2015.

3Q statutory premiums up 1.6%

Statutory premiums in the third quarter increased 1.6 percent to 14.5
(14.3) billion euros, driven by higher sales of capital-efficient products
in Germany and the United States. This was partially offset by lower
unit-linked premiums in Italy and Taiwan. Adjusted for foreign exchange and
consolidation effects, statutory premiums increased by 1.5 percent.

3Q operating profit rises 53% to EUR1.1bn

Operating profit increased by 53.0 percent to 1.1 billion euros from the
third quarter of 2015 mainly due to higher investment margins in the United
States and France. In addition, operating profit in the third quarter of
2015 was burdened by loss recognition in South Korea.

VNB EUR318mn and NBM 2.8% in 3Q

The value of new business (VNB) decreased by 1.0 percent to 318 million
euros in the third quarter of 2016 compared to year-ago. Premiums shifted
to capital-efficient products due to changes in product strategy, but
unfavorable economic conditions in U.S. and European markets had a negative
effect. The new business margin decreased by 0.3 percentage points to 2.8
percent from one year ago, mainly as a result of lower interest rates, but
increased when compared to the second quarter of 2016.

3Q management assessment

"We have enjoyed a great success shifting our business mix toward capital
efficient products as reflected in a robust new business margin of 2.8
percent," said Dieter Wemmer. "Life results benefited from a stronger
investment margin in the quarter despite the historically low interest
rates seen today."Asset Management: PIMCO attracts first positive net flows in over 3 years

9M 2016 overview

In Asset Management, third-party net outflows and negative foreign currency
translation effects were more than offset by a strong positive market
return and the acquisition of Rogge Global Partners, which together led to
a 4.0 percent increase in third-party assets under management (AuM) from
December 31, 2015. Operating profit decreased by 5.8 percent to 1.6 billion
euros in the first nine months of 2016, mainly as a result of lower margins
and lower average third-party AuM, leading to declined AuM driven revenues.
In addition, a decrease of performance fees also had a negative impact on
the operating profit. Lower operating expenses partially offset the
operating revenue decline. The cost-income ratio (CIR) improved to 64.2
(65.1) percent.

3Q operating profit EUR604mn

Operating profit edged slightly higher to 604 (600) million euros. Lower
operating expenses more than offset a decrease in third-party AuM-driven
revenues and lower performance fees. When compared to the second quarter of
this year, operating profit grew 21.2 percent.

CIR at 60.8% in 3Q

The cost-income ratio (CIR) improved by 2.5 percentage points to 60.8
percent from the year-earlier quarter, mainly due to a decrease in
personnel expenses and restructuring expenses. Both PIMCO and Allianz
Global Investors contributed to the improvement, with the latter reaching
its most efficient level of operations since the set-up of its current
structure in 2012.

3P net inflows at EUR6bn in 3Q

Compared to June 30, 2016, third-party AuM grew by 20 billion euros to
1,327 billion euros as a result of positive market effects and third-party
net inflows, partly offset by negative foreign currency translation
effects. PIMCO saw positive third-party net flows of 4.7 billion euros, the
first since the second quarter of 2013. Allianz Global Investors saw
positive third-party net flows of 1.5 billion euros, making it the
fourteenth quarter out of fifteen to see positive net flows.

3Q management assessment

"The 4.7 billion euros in positive net flows at PIMCO confirm the
attractiveness of PIMCO products," said Dieter Wemmer.
Allianz Group - key figures 3rd quarter and first nine month of 2016

3Q 2016 3Q 2015
Total revenues [Euro bn] 27.7 27.5
Property-Casualty [Euro bn] 11.5 11.5
Life/Health [Euro bn] 14.5 14.3
Asset Management [Euro bn] 1.5 1.6
Corporate and Other [Euro bn] 0.1 0.1
Consolidation [Euro bn] -0.1 -0.1

Operating profit / loss [Euro mn](1) 2,898 2,452

Property-Casualty [Euro mn] 1,410 1,352
Life/Health [Euro mn](1) 1,129 738
Asset Management [Euro mn] 604 600
Corporate and Other [Euro mn] -242 -246
Consolidation [Euro mn] -2 8

Net income [Euro mn] 1,945 1,440
attributable to non-controlling interests [Euro mn] 91 81
attributable to shareholders [Euro mn] 1,855 1,359 Basic earnings per share [Euro] 4.08 2.99
Diluted earnings per share [Euro] 4.08 2.98

Additional KPIs
Group: Return on equity (2)(3) 13.6% 12.5%
Property-Casualty: Combined ratio 93.5% 94.1%

Life/Health: New Business Margin(4) 2.8% 3.0%
Life/Health: Value of new business[Euro mn](4) 318 322
Asset Management: Cost-income ratio 60.8% 63.3%


9M 2016 9M 2015Total revenues [Euro bn] 92.4 95.5
Property-Casualty [Euro bn] 40.4 40.7
Life/Health [Euro bn] 47.5 49.9
Asset Management [Euro bn] 4.4 4.8
Corporate and Other [Euro bn] 0.4 0.4
Consolidation [Euro bn] -0.2 -0.3

Operating profit / loss [Euro mn](1) 8,007 8,149 Property-Casualty [Euro mn] 3,949 4,382
Life/Health [Euro mn](1) 3,065 2,695
Asset Management [Euro mn] 1,565 1,661
Corporate and Other [Euro mn] -566 -577
Consolidation [Euro mn] -7 -11

Net income [Euro mn] 5,424 5,488
attributable to non-controlling interests [Euro mn] 285 290
attributable to shareholders [Euro mn] 5,139 5,198 Basic earnings per share [Euro] 11.30 11.44
Diluted earnings per share [Euro] 11.11 11.43

Additional KPIs
Group: Return on equity (2)(3) 12.4% 12.5%
Property/Casualty: Combined ratio 94.4% 94.1%

Life/Health: New Business Margin 2.6% 1.9%
Life/Health: Value of new business[Euro mn](4) 1,028 796
Asset Management: Cost-income ratio (4) 64.2% 65.1%


09/30/16 12/31/15Shareholders' equity [Euro bn](2) 70.1 63.1
Solvency II capitalization ratio(5) 186% 200%
Third-party assets under management [Euro bn] 1,327 1,276Please note: The figures are presented in millions of Euros, unless
otherwise stated. Due to rounding, numbers presented may not add up
precisely to the totals provided and percentages may not precisely reflect
the absolute figures.

(1) From 2Q 2016 onwards, the total result of our South Korean business is
considered as non-operating since it has been classified as "held for
sale".

(2) Excluding non-controlling interests.

(3) Excluding unrealized gains/losses on bonds net of shadow DAC. Return
on equity for 3Q 2016 and 9M 2016 is annualized. For 3Q 2015 and 9M
2015, the return on equity for the full year 2015 is shown.
Annualized figures are not a forecast for full year numbers.

(4) Current and prior year figures are presented excluding effects from
the South Korean business.

(5) Risk capital figures are group diversified at 99.5% confidence level.
Allianz Life US included based on third country equivalence with 150%
of RBC CAL since September 30, 2015. Changed regulatory tax treatment
of German life sector reduced year-end SII capitalization ratio from
200% to 196% on January 1, 2016.
These assessments are, as always, subject to the disclaimer provided below.Cautionary note regarding forward-looking statements
The statements contained herein may include prospects, statements of future
expectations and other forward-looking statements that are based on
management's current views and assumptions and involve known and unknown
risks and uncertainties. Actual results, performance or events may differ
materially from those expressed or implied in such forward-looking
statements.
Such deviations may arise due to, without limitation, (i) changes of the
general economic conditions and competitive situation, particularly in the
Allianz Group's core business and core markets, (ii) performance of
financial markets (particularly market volatility, liquidity and credit
events), (iii) frequency and severity of insured loss events, including
from natural catastrophes, and the development of loss expenses, (iv)
mortality and morbidity levels and trends, (v) persistency levels, (vi)
particularly in the banking business, the extent of credit defaults, (vii)
interest rate levels, (viii) currency exchange rates including the
euro/US-dollar exchange rate, (ix) changes in laws and regulations,
including tax regulations, (x) the impact of acquisitions, including
related integration issues, and reorganization measures, and (xi) general
competitive factors, in each case on a local, regional, national and/or
global basis. Many of these factors may be more likely to occur, or more
pronounced, as a result of terrorist activities and their consequences.

No duty to update
The company assumes no obligation to update any information or
forward-looking statement contained herein, save for any information
required to be disclosed by law.

Other
The figures regarding the net assets, financial position and results of
operations have been prepared in conformity with International Financial
Reporting Standards. This Quarterly Earnings Release is not an Interim
Financial Report within the meaning of International Accounting Standard
(IAS) 34.

This is a translation of the German Quarterly Earnings Release of the
Allianz Group. In case of any divergences, the German original is binding.---------------------------------------------------------------------------

2016-11-11 Dissemination of a Corporate News, transmitted by DGAP - a
service of EQS Group AG.
The issuer is solely responsible for the content of this announcement.

The DGAP Distribution Services include Regulatory Announcements,
Financial/Corporate News and Press Releases.
Archive at www.dgap.de

---------------------------------------------------------------------------

Language: English
Company: Allianz SE
Königinstr. 28
80802 München
Germany
Phone: +49 (0)89 38 00 - 41 24
Fax: +49 (0)89 38 00 - 38 99
E-mail: investor.relations@allianz.com
Internet: www.allianz.com
ISIN: DE0008404005
WKN: 840400
Indices: DAX-30, EURO STOXX 50
Listed: Regulated Market in Berlin, Dusseldorf, Frankfurt (Prime
Standard), Hamburg, Hanover, Munich, Stuttgart; Regulated
Unofficial Market in Tradegate Exchange


End of News DGAP News Service Reported by EQS Group 5 hours ago.

SEPTA union workers to get pay bump under tentative deal

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PHILADELPHIA (AP) — The union representing 4,700 transit workers in Philadelphia has revealed details of a tentative agreement that ended a weeklong transit strike on Monday. The Philadelphia Inquirer reports (http://bit.ly/2enxwjR ) a Transportation Workers Union newsletter says members would receive 10.5 percent raises over the next five years under the agreement. Their health insurance […] Reported by Seattle Times 4 hours ago.

13 workers killed in Ghaziabad factory fire

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13 workers killed in Ghaziabad factory fire *Ghaziabad*: At least 13 persons were killed and more than a dozen injured in a factory fire in Uttar Pradesh's Sahibabad industrial area here, police said on Friday.

The victims were charred to death inside a leather factory after a fire broke out at 5.00 a.m. due to an apparent short circuit at the manufacturing unit at Shahid Nagar area along the G.T. Road.

The police said the sudden blaze within the closed confines of the facility on a narrow lane of a densely populated area, caught at least 40 workers by surprise who were reportedly inside.

As the workers tried to flee, the narrow passage at the entrance blocked their escape. Though some did succeeded in fleeing the conflagration, about 20 workers could not get out.

Thirteen of them were charred to death while three who reportedly jumped out were rescued and taken to a local hospital in critical condition.

"As we came to know of the incident, about a dozen fire tenders were rushed to the spot," said Chief Fire Officer Ashfaque Hussain.

"The real constrains were the narrow lanes that lead to the factory. We could not reach our fire tenders at an advantageous position to tackle the blaze.

"However, we managed to bring the fire under control after two long hours," Hussain said.

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Convicted sharpshooter sentenced to life in 2002, for the murder of T-Series founder Gulshan Kumar, was nabbed at the Meghalaya border and brought back to Mumbai. According to a report by *Times of India*, Abdul Rauf Dawood Merchant has been absconding while on furlough for more than seven years.

Gulshan Kumar was shot and killed outside a temple in Andheri (West) on August 12, 1997. Cops believed a business rivalry to be the reason behind his murder but a trial court found evidence to convict only Merchant and acquitted 18 of the 19 accused in 2002, which also included Tips founder Ramesh Taurani.

Merchant was arrested by a team of 9 from the Mumbai Crime branch on Wednesday after local security personnel spotted him. He got his transit remand till November 13 from a local court and was produced before vacation judge, Justice PD Naik, at Bombay High Court on Thursday, who directed the police to present him before a sessions court on Friday for "appropriate orders''.

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The handling of a sexual harassment case against Indian Hotels Co. Ltd (IHCL) boss Rakesh Sarna may have been among the reasons that led to the ouster of Cyrus Mistry as Tata Sons.

According to a report in the *Economic Times*, the woman left the Tata group a year back, and Mistry’s office said he had strictly followed protocols, and that an inquiry was ongoing. The suggestions of delay in investigation against Sarna were also dismissed. The lady executive, who earlier worked with members of Mistry's Group Executive Council (GEC) was "requested" by Sarna to move to Taj, the report further said.

*Also Read: Cyrus Mistry may up offensive against Tatas next week*

The woman first opened up about Sarna in 2015, after which she was shifted to another department in the Tata group. Also, before she resigned in November the year, she revealed what circumstances under which she quit.

In a letter to Mistry, a copy of which is with *Economic Times*, the woman wrote, “Although I thoroughly enjoyed the challenge and responsibility of the Taj role (at IHCL) and had great working relationship with the rest of the company, Mr Sarna's inappropriate behaviour outweighed the positives of the work. During my seven months employment at Taj I was subjected to repeated unwanted sexual advances from Mr Sarna. When I ignored or tried to rebuff them the environment turned hostile.”

The *Economic Times* report further said that in the letter the woman claimed that she confided in senior Tata Group officials including former GEC members Madhu Kannan, NS Rajan who was also the chief human resources officer of the conglomerate and Ireena Vittal, independent director of IHC. "I came to you in confidence because I felt a large amount of loyalty to the House of Tata. I believed I was a valued member of the Tata family and that discretion would help you to find a solution which is best for me, Taj and the Tata Group."

*Read Story: Cyrus Mistry has no plans to quit as Chairman of Tata group*

The letter further read, "I acknowledge you telling me that in six month's time I will be able to put my career back on track, however I do not see the reason why it should be taken off-track considering my high performances in my last roles and my choice of discretion. Also I do not have any tangible proof this will happen, and considering this transition was not done in the best interest of my career, I no longer feel my career is secure in Tata Group.”

The letter continued, “I must move out of the Tata group and into an organisation which values and respects women's rights. I hope you are able to use my circumstances as a learning opportunity to make the group a better employer of women.”

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Deepak Kumar, the deputy station manager of Grant Road station, apparently pocketed Rs 100 and Rs 50 notes worth Rs 1.65 lakh, out of the Rs 4.59 lakh that was deposited with him in his booking counter and replacing them with Rs 1000 and Rs 500 notes. According to a report by *Mumbai Mirror*, this was following Prime Minister Narendra Modi's announcement on November 8, that Rs 1000 and Rs 500 would be demonetised.

1,585 notes of Rs 100 denomination and 230 notes of Rs 50 denomination, were entrusted to Kumar. He was also specifically instructed to keep the lower-denomination notes ready for the next day’s transaction by the chief booking supervisor of Grant Road station, Anil Udeshi.

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While news of a decision being taken to trap a leopard spotted on the IIT Powai campus has been doing the rounds, an official with the Thane Forest Department told mid-day that they have not taken any such decision yet. However, they are going to conduct night patrolling in the area and hold sessions to create awareness among the students about the dos and don’ts when they spot a leopard, in order to avoid man-animal conflicts.

*Leopards are shy*
On Thursday, IIT-Powai also sent a letter to Thane FD regarding the sighting.

*Also Read: 3-yr-old leopard dies after being trapped in steel wire noose* 

The leopard was spotted in IIT-Powai on November 8 and captured on a CCTV installed outside a laboratory. Confirming the same, Range Forest Officer of Mumbai SS Kank said, “We have received a letter from IIT-Powai informing about the leopard sightings in the area and our team will be doing night patrolling there along with awareness sessions, where we would tell them about the dos and don’ts. Our request to the students and people who move in the campus late at night is that they should not panic at all because leopards are shy animals and, unless provoked, won’t harm.”

*Violation to set up cages*
Certain news reports stated that permission has been received to trap the leopard roaming in IIT-Powai. However, senior officials said that the information was misleading.

*Read Story: Mumbai: 10 leopard traps found in Film City*

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If it’s banned, it’s on the black market. The latest entrants are Rs 500 and Rs 1,000 notes. And the ones making the most of it are city jewellers.*Moksh Jewellers in Kurla*

With those having black cash investing in gold, mid-day found out that jewellery shops in Mumbai, Thane and Navi Mumbai have fixed rates according to the notes people are bringing.*Chandresh Jewellers on SG Barve Marg in Kurla east*

If a customer has Rs 100 notes or is ready to pay via credit/debit card or cheque, s/he will get gold at Rs 32,000 per tola (10 gm). But for those paying with Rs 500 and Rs 1,000 notes, the price is Rs 48,000 and above.

*Also Read: Vivek Kaul: Why Mumbaikars bought gold all night long on a week day*

A Thane-based jeweller said, “This is the right time for jewellers to earn. They can manage in banks by showing returns.”

*B(u)y the tola*
One shop owner, however, said that they don’t fix the black market rate, and that it comes on the website that all jewellers refer to for current rates. He refused to share the name and details of this website.

mid-day visited Chandresh Jewellers on SG Barve Marg in Kurla east. “The rates have been fluctuating since the Prime Minister’s announcement,” said owner Raju Jain.

When asked about the present rate of 1 tola gold, he said, “If you are giving me a cheque or paying via card, it is around Rs 32,000. But if you are here to discard your Rs 500 or Rs 1,000 notes, you will have to pay Rs 48,000.”

“The rate of gold coin is Rs 52,000 per tola. On Thursday morning itself, I sold a 1 kg gold coin at Rs 52,000 per tola,” he added, saying that bargaining will bring the black market rate down to Rs 42,000 but nothing further than that.

Another Kurla jewellery shop owner, Bhavesh Bhai of Moksh Jewellers, too had the same rate. “Hardly anyone has turned up since the ban. A majority of those who are coming want to get rid of their Rs 500 and Rs 1,000 notes. We are offering them gold at Rs 47,000 per tola,” he said.

When mid-day visited Jainam Jewellers in Kurla east, owner Ishwar Jain was worriedly watching the news to know the current situation about the market.

*Read Story: 2nd Diwali? Mumbai's jewellers work all night to turn 'black' into gold*

“People investing in gold are mostly those trying to turn their black money into white. Why else would you spend such large amounts on the yellow metal?” he said.

The owner of Kamothe’s Palak Jeweller seconded Jain. On Wednesday when mid-day visited the shop, he said, “The rate is Rs 40,000 a tola. If you come tomorrow, it will rise.”

But then there were those wanting nothing to do with the black market.

They removed the jewellery items kept on display, saying only those interested in getting rid of the banned notes have been coming in, and since they don’t want to get into such transactions, they have removed the ornaments.

*Rs 32k*
Current market rate of per tola gold

*Rs 42k*
Per tola black market rate after bargaining

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*The coin age with Sandeep Goyal*
The government’s de-monetisation move may have us counting our coins. But while we struggle with this lesser change, Sandeep Goyal, the chairman of Mogae Media, is counting just 12 coins — worth ` 12 lakh. This collection of ceramic coins is a replica of the original metallic coins, dating back to the Mughals, Chalukya, Kumaragupta and Khilji empires.*Sandeep Goyal*

These coins are the creations of pottery artist Dipalee Daroz, who picked 12 of the most aesthetically appealing coins after a thorough numismatic research of rulers and dynasties of ancient India. The coins depict gods, local legends, and portraits of emperor Kumaragupta.

The Mughal era coins bear symbols of the zodiac signs, while those from the Sikh dynasty carry floral angular patterns. Goyal, an ardent collector of all things artistic, certainly has himself a unique treasure, and in the coming days he intends to distribute these coins to friends and clients.

*Sun, sand, script*
As if you needed a reason to want to head to Goa, the sunshine state is now all set to host a new multi-disciplinary arts festival. Titled the Serendipity Arts Festival, it will be held from December 16 to 23, and will present a series of interesting workshops to help initiate art lovers into a world of technique and creativity.*Mahesh Dattani*

Theatre personalities Mahesh Dattani and Lillete Dubey will conduct one such initiative called the Script Lab, a residency workshop that will be held during the first four days of the festival with an aim to introduce playwriting, tap
talent, assist with character development, provide constructive feedback, and also to help writers turn a critical eye on their own works.

Dattani, the first playwright in English to be awarded the Sahitya Akademi Award, will share his expertise on all aspects of storytelling during the programme, while Dubey is one of the fourteen curators of the festival.

*And one for the little shutterbug**Pic/Sneha Kharabe*

Former actress and talk show host, Pooja Bedi, at the launch of a magazine’s issue in Prabhadevi yesterday.

*Greek love*
Goa’s favourite Greek taverna, Thalassa, launched in Khar with much fanfare and plate-breaking a couple of nights ago. This diarist dropped by to learn that Mariketty Grana (in pic) refused to host a stuffy sit-down dinner on opening night and, instead, chose to throw a fun party, which we believe is reflective of her cheery personality.

While the eatery is oddly located (i.e. away from the sea, unlike the Goa space), the Greek island-inspired interiors trick you into imagining that you’re no longer in Mumbai. We also heard that Grana zeroed in on this spacious spot after scouring the city for three whole years. Here’s a woman who knows exactly what she wants!

*Art has no barriers*
The Thane jail or even the Jail Talao next to is not on people’s list of places to visit. But the MAKA showroom, adjoining the prison, might soon make the cut. The Maharashtra Karagriha brand has been developed by the state’s prison department for products made by jail inmates from across Maharashtra. And what started as a small outlet is now a full-fledged showroom.*An aircraft model at the showroom. Pic/Ayan Roy*

From hand-stitched shirts, dress material to cakes, chaklis and chiwdas, there is quite a range. The highlight of the shop, however, is handmade wooden products — from key holders to dining sets. The goods are made of teakwood and since it’s the government that procures the wood from forests, “they are genuine products and not fake like outside,” Sanjay Tiwatane, who mans the showroom, says with pride.

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Shockingly, people in urgent need of cash are also willing to bargain. However, when the city has been awaiting a flow of lesser denomination currency notes, the source of similar notes with these vendors is a matter of suspicion.

*Also Read: Getting rid of banned notes? Gold for you is at Rs 52,000 per tola*

*Case 1: The paanwala’s Rs 400 deal*
*(At Bandra West near Nandi Galli)*

*Reporter:* Bhai, ek packet cigarette chahiye (Brother, I want a pack of cigarettes)

*Paanwala:* Ye lo... (Here you go)

*Reporter:* Lekin sirf Rs 500 ka note hai, chutta milega? (But I only have a Rs 500 note, will you give me change for it?)

*Paanwala:* Bhai abhi chutta nahi hai (Brother, at present no I have no change)

*Reporter:* Kuch kardo yaar (please do something)

*Paanwala:* Rs 500 ka Rs 400 milega aur cigarette ka alag se dena padega, chalega kya?
(I will give you Rs 400 in return of the Rs 500 and you will have to pay for the cigarette pack separately, is that ok?)

*Reporter:* Ok

Once the reporter agreed for the deal, the paanwala, checked the cash with him in the counter and returned Rs 400.

*Case 2: The middleman’s bargain*
*(At Terminus Road, Kherwadi)*

A 25-year-old man walked up to the reporters and said he could help them get change.

*Man:* Kitne ka chahiye? Rs 500 ka ya Rs 1,000 ka ? (You need change for Rs 500 or Rs 1,000?)

*Reporter:* Rs 500 ka hai to uska, Rs 1,000 ka hai to wo bhi chalega (If you can give change for Rs 500, it would do and if you have a change for Rs 1,000, that works as well)

*Man:* Subha se 3-4 logo ka madad karaya hai, aapka bhi karata hun lekin 500 ka 300 milega aur mere 20 rupiya chahiye (Since morning, I have helped three to four people. If you want I’ll help you too but for Rs 500 you will get Rs 300 and you will have to give me Rs 20, is that ok?)

*Reporter:* Ok chalega.. (Ok will do)

*Read Story: Mumbai: Note ban a bane for blind beggar, slum dweller*

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As the board-room battle intensifies, ex-chairman of Tata Sons Cyrus Mistry is likely to up the offensive next week once the Tata group companies that he chairs come out of the mandatory silence period before their quarterly earnings.

The board of Tata Motors, which is the second biggest cash-cow in the over 100-companies group from Bombay House entities, will meet next Monday to clear the quarterly numbers as well as may discus whether to repose faith in Mistry or not.

If the sources can be believed, that is precisely what Mistry, who was also removed last night as the chairman of the Tata Group crown jewel TCS, has up his sleeves. Mistry was unceremoniously sacked as Tata Sons chairman on October 24. Tata Sons is one the main group holding companies.

"Mistry has been lying low because he has fiduciary responsibilities to all the companies that he chairs. He will chair the board of Tata Motors, which is the last main group company, on Monday. "With that he is likely to break the long silence. Come November 15, you may hear a lot from him," the source close to mistry camp, told PTI.

The source further said the Mistry camp has "enough ammunitions to counter every baseless claim" by the Tatas. Since his ouster last month, the Tatas or Mistry has not spoken to the media. While Tatas has sent out two formal communications since then, including a 9-pager today, the Mistry camp issued one formal statement last week.

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*New Delhi:* Banks across the country opened up to long, serpentine queues yesterday as millions of people rushed to their local branches to get rid of banned high denomination currency for new notes or deposit them in their accounts even as police maintained tight security.*Several bank officials said most branches were witnessing unprecedented rush*

Anxious customers thronged the branches much before the opening time – some at the crack of dawn – and had to wait for several hours to complete their transactions with senior citizens also not being spared of hardships. Amid frayed tempers, there were complaints galore that the stocks of new hard-to-fake Rs 500 and Rs 2,000 notes were exhausted within hours though the old notes were being accepted by banks.*Some anxious customers thronged their local bank branches at the crack of dawn. Pics/PTI*

In Delhi, as many as 3,400 personnel of paramilitary and Delhi Police along with quick reaction teams were deployed for maintaining security in banks in view of a huge rush.*New, secure Rs 1k notes soon*
Government will re-introduce Rs 1,000 banknotes in a few months and also issue new series of lower denomination bills with enhanced security features. Economic Affairs Secretary Shaktikanta Das said the RBI will come out with new series of currency notes of lower denomination of Rs 100 and Rs 50 with new design and added security features.

*What a waste!*
A waste picker in Pune yesterday came across a bag full of Rs 1,000 notes totalling upto Rs 52,000. The elderly woman who chanced upon the cash in a plastic bag, immediately alerted her supervisor who informed the police. Cops are now investigating the source and authenticity of the notes.

*Voices*

*Kunal Bhardwaj, Delhi*
‘Those who have black money will anyway find methods to get away. It is the common man who will suffer. Now we have no option other than waiting in queues as there is no money for basic things.’

*A Patel, Ahmedabad*
‘I ran out of cash for my daily needs. If I do not get new notes, I would be in big trouble. So, I came here very early. Many others were already here in a queue when I reached at 6 AM.’

*Ashwin Kadam, Mumbai*
‘I was in queue for four hours to exchange Rs 4,000. But unfortunately I was permitted only Rs 2,000 to be exchanged that too with Rs 100 denomination.’

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*New Delhi:* A slew of petitions against demonetisation of Rs 1,000 and Rs 500 notes have been filed in various courts including in the Supreme Court where the Centre yesterday filed a caveat that it be heard before any order is passed.

SC indicated that it might hear on November 15 the plea challenging the government decision while the Madras High Court dismissed a PIL in this regard. The Madurai Bench of the HC while dismissing the PIL observed that the government’s decision is fit for the country’s security and development.

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Donald Trump is already making America grope again. Ask Swarali Karulkar, a dance choreographer in New York City — just hours after the election results, the 24-year-old was grabbed by an absolute stranger who threatened that Trump would throw her out of the country unless she married him. After living in NYC for two years, Swarali is now scared to even step out of her house.*Swarali Karulkar says she considered moving some place else, but that would mean all the hard work put in by herself and her parents would go to waste*

Swarali had moved to NYC to study a dance therapy course, and enjoyed her life so much, that she decided to stay on after graduation. Among the things she had loved about the city were its people, who were friendly and welcoming. Now, for the first time, she is witnessing another side to the city.

*Also Read: Prez Report: 5 shocking controversies of Donald Trump*

“After the election results were announced on Wednesday, everyone was in shock. I kept reading articles on social media about how people of colour — particularly immigrants were being targeted all over the country,” said Swarali.

She added, “A Muslim family was asked to leave a restaurant with their 6-year-old kid after being labelled terrorists. Someone threw coffee at them and asked them to bomb their own country. I was severely disgusted, but I thought these things only happen in the Midwest and not in a progressive and collaborative city like New York. I was proven wrong very quickly.”

*Day 1*
It didn’t take long at all. Just hours after Trump was announced as the 45th President-elect of the US, Swarali had her first taste of the new America. “I was walking to work in a crowded area — 12th street and 1st avenue in Manhattan — and this creepy guy tried to grab me. I walked away but he followed me and said ‘Hey sexy, marry me, I will make you American’. He said other gross things as well, but I continued to walk away.”

“When I was about a block away, he shamelessly yelled ‘Marry me you b***h, I will make you American or Trump will send you back to your country, you immigrant.’ As I kept walking, some people walked up to me to help me. A woman told me that the same man had been picking on every woman on the street.”

*‘Never felt so unsafe’*
Before moving to NYC, Swarali was a resident of Dadar, and had contested in several Indian reality shows, and was even a finalist for Dance India Dance (season 4), as well as an onscreen mentor for DID Lil masters (season 3).

“I moved to New York in August 2014 for my Masters in Dance Movement Therapy. Right now I live in Brooklyn, where I found a house in Bedford–Stuyvesant. It may not be the safest area to live in, but it’s all I can afford. But I never felt like I was in danger, because people here are helpful and good-natured. I have also travelled around the country by myself for work, but never felt so unsafe before,” said the choreographer.

But as the Presidential election got closer, Swarali could sense a growing aggression in the atmosphere, particularly towards women and immigrants.

Things started getting ugly as far back as September, when the 24-year-old was attacked for the first time. “In the mornings, I generally walk to Broadway junction, the closest subway stop for me. One day, as I was heading to work at 7 am, I was followed by a woman. She pushed me and demanded that I give her my subway pass. When I refused, she pushed me and yelled at me,” Swarali recalled.

*Read Story: Thousands take to the streets to protest Donald Trump win*

A few days later, there was another incident. This time, Swarali was not under attack but she felt the ripple effect of the growing hate. “I was stuck in the train for over two hours because a woman had attacked someone with a knife. The police halted the train for investigation. You can imagine how scary it all was a college girl living on her own in a foreign country.”

*Scared to step out*
“I didn’t tell my parents about any of it because I didn’t want them to worry. But, over the next few months, I could see that men had become openly hostile in trains or at public places. And why wouldn’t they be, when a sexual abuser runs for election and actually ends up becoming president,” said Swarali, adding, “I woke up this morning, terrified of going to work, wondering if someone was going to attack me again. I wouldn’t say that I haven’t considered moving, but I fear that if I do, I might never be able to return. And then all the sacrifices that my parents made will be wasted.”

Swarali, who now works at a pre-school for children with special needs, said she is worried about the message this will send to the future generation. “This experience has highlighted how much hatred is hidden in people’s hearts that is now erupting because of Trump — all sorts of discrimination against race, women, immigrants, sexual orientations. I’m really scared about where this country is headed.”*Trump's 5-pt plan for illegal aliens*

>> Build a border fence

>> No fee subsidies for illegal alien students

>> Enforce immigration law

>> Shut down ‘cozy’ detention centres

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The Bombay High Court has declined to allow beleaguered NCP leader Chhagan Bhujbal, who is facing charges in a money laundering case, to withdraw his petition challenging provisions of the Prevention of Money Laundering Act (PMLA), following opposition by the Enforcement Directorate.

Bhujbal had urged HC to allow him to withdraw his petition as he wanted to file a fresh plea soon.

*HC rejection*
A vacation bench of justice MS Karnik observed during the hearing on Wednesday that a petition can’t be allowed to be withdrawn without the consent of both the sides.

“In this case, ED has opposed the plea of the petitioner to withdraw... So I am not inclined to allow the applicant (Bhujbal) to withdraw his plea,” the judge said.

Bhujbal, through his lawyer Vikram Chaudhary, had challenged sections 19 and 45 of the PMLA — 19 empowers the ED to arrest an accused based on evidence gathered by the agency against the individual, while 45 deals with bail of the accused.

*ED’s argument*
ED’s lawyer Hiten Venegaonkar argued that the agency welcomed the move of the accused to withdraw the petition but was opposed to his plea to file a fresh petition.

The HC also asked Bhujbal’s lawyer to approach a regular bench after the Diwali vacation, and posted the matter for hearing on November 16.

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*External Affairs Minister Sushma Swaraj*

Sushma Swaraj is back to doing what she does best -- helping out Indians living abroad through social media. She wins our hearts again! This time the External Affairs Minister has extended help to an ailing widowed Indian woman in the USA who gave birth to a baby girl a few weeks ago.

After the sudden demise of the girl's, identified as Deepika Pandey, husband -- Hariom Pandey, a resident of Boston, her friends’ took her to New Jersey for better medical care. Unfortunately, in the US health insurance of one state is not valid in another. Deepika also could not travel back to India due to the pregnancy. It was then that Deepika’s friends and family members posted a letter wrote a letter to Prime Minister Narendra Modi seeking help for her health insurance issues and also to make the OCI (Overseas Citizenship Of India) Card for her child at the earliest.

The letter went viral and Twitterati started tagging the foreign minister. And like the past, the minister was quick to respond.

Sushma instructed the Indian Embassy to take care of the matter. Deepika is now recovering under proper care.

*Here's the letter Deepika’s family wrote detailing her woes:*



#SOS Please help Mrs Deepika Pandey who is in USA .Details enclosed @MEAIndia @SushmaSwaraj @CMOfficeUP pic.twitter.com/DzWytjdPMv

— #UttarPradesh ™ (@BJPLucknowBJP) November 8, 2016


*Here's the minister's response:*



Deepika - We are with you in this hour of tragedy. I have asked @IndianEmbassyUS to help you. @BJPLucknowBJP @templetree1

— Sushma Swaraj (@SushmaSwaraj) November 9, 2016


The letter was sent before Deepika gave birth to the baby girl.

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The special PMLA court yesterday declared liquor baron Vijay Mallya as a proclaimed offender and allowed the Enforcement Directorate (ED) to attach his movable property — shares and debentures worth Rs 1,694.42 crore.

Judge PR Bhavake in his order said, “It is pronounced and declared that the accused Vijay Mallya is a proclaimed offender. The movable properties — frozen and pledged shares — belonging to the accused be attached by way of seizure and by prohibiting the delivery of such property to the accused or to any other person on his behalf until further order.”

The application filed by ED in October 2016 mentioned two charts of Mallya’s property, one of shares worth Rs 1,482.93 crore pledged with various institutions, and the second of unpledged shares worth Rs 2,11.49 crore frozen by the agency.

The application was filed after Mallya did not comply with a proclamation order issued against him.

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Once bitten, twice shy? Not the BMC, certainly. The civic body claims to have fired the tainted contractor for the penguin project, but it turns out the firm will remain in charge of the aquatic birds for another year.

While the contractor — Highway Construction Company (HCC) — pulled wool over the BMC’s eyes with its false claims about tying up with foreign experts from the US, in addition to several other lies, the BMC continues to depend on the company, claiming that it doesn’t know anyone else who can handle the Humboldt penguins at Byculla zoo.

*Lies exposed*
Out of the eight penguins that arrived here in July, a 1.5-year-old female penguin passed away last month, sparking a massive controversy. Several reports exposed how the contractor lied time and again, while the BMC did not even bother to secure all the required paperwork for the project. Instead, the civic body allowed HCC to go ahead merely on a verbal assurance.

*Also Read: Mumbai: BMC starts phase 2 of Byculla zoo works*

The corporation reacted by firing the company and cancelling the R45-crore contract for constructing the quarantine area, final enclosure, administrative building and auditorium. However, the company will stay on for a year and complete the enclosure and monitor the penguins’ health.

*For the penguins’ good*
Deputy Municipal Commissioner (General Administration Department) Sudhir Naik, who is in charge of the Byculla zoo revamp, confirmed the development. “Since we don’t have any other experts, the contractor’s team will be allowed to continue maintenance and care of penguins for one year. We are trying to find some other contractor who is an expert and can take care of the animals.”

He added, “Another problem is that the birds have become habituated to the staff. At feeding time, they immediately recognise the staffers and come forward to eat. Considering this, we have to be very careful while appointing someone new.”

In the meanwhile, we’ll just have to pray that the remaining penguins survive an entire year.

*There are other options*
The zoo authorities may claim that that have no other option, but that’s not necessarily true. For one, they can reach out to the Bombay Veterinary College for help in taking care of the penguins. Or, as so many activists and politicians have already suggested, just send the penguins back to where they came from.

*Read Story: Mumbai: Contractor faked 3 MoUs to bag penguin project*

*Bad planning*
This is a classic example of the short-sighted planning by Byculla zoo authorities. Activists have slammed the authorities for rushing to bring the delicate penguins to Mumbai without first making the necessary arrangements. Activist Pawan Sharma of the NGO RAWW said, “Public opinion, animal rights and public money are taken for granted. Once again, the world’s richest corporation — known for the poorest treatment to animals and unnecessary projects — is heading towards another mega disaster. It’s not just public money at stake here, but also the lives of several animals.”*'Please don’t bring more animals'*
“I have requested the authorities not to grant further permission to BMC and Byculla Zoo to bring any more new species of animals or new Humboldt penguins,” said Congress corporator and opposition leader in the BMC, Pravin Chheda, who has written to the Union Minister of Environment Anil Dave, as well as member secretary of the Central Zoo Authority Dr DN Singh, demanding a probe into the Humboldt penguin project. The Lokayukta is also expected to visit the zoo soon, to take stock of the arrangements made for the penguins.

*Warning signs*
>> HCC’s project director Tanmay Rai was caught in controversy after another of his companies was blacklisted two years ago in a medical equipment scam

>> The contractor faked a joint venture with the US-based Sivat Services Inc, expert in penguin enclosure construction

>> HCC also faked MoUs with three other companies, claiming that they were going to do the civil, mechanical and electrical and landscaping work for the penguin project 

>> BMC claimed that the penguin died in the ‘warranty period’ and they would get a replacement penguin, but this was proved false

*Rs 120 cr*
Value of fresh tenders floated by BMC on Tuesday for the zoo revamp

*70%*
Work done on construction of penguin enclosure

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The e-challan system introduced in the city in October has revealed rampant indiscipline among motorists. Since the inception of the system, 50,000 out of the 57,144 challans have been issued to motorists who don’t halt before the stop line at signals. On Thursday, a record number of 4,562 challans were issued to motorists, compared to the previous 3,401.

The e-challan system was introduced from October 5 to bring transparency in collection of fines and reduce the margin of error. Within a fortnight of its introduction, police issued almost a thousand challans per day. The team is now recording the trends in the traffic violations in the city.

*City’s major offence*
Not halting before the zebra crossing, also known as the stop line has emerged as major offence in the city. It constitutes more than 90% of the total traffic violations. “From October 5, we have issued 57,144 e-challans till November 9, out of them 52,000 challans were issued for crossing the halting line followed by riding without helmet and driving without seatbelt, said an officer.

Though not halting before the stop line does not sound like a major offence, but traffic officials say it is one of the root causes of traffic jams on major roads. If every vehicle starts stopping behind the line, clearing traffic will be easy. Instead, every motorist tries to come forward as the signal inches close to turning green and this creates jams in major chowks and becomes a threat to pedestrians.

*Major violations unreported*
Though e-challans issued through CCTV surveillance trying to bring discipline among motorists, major traffic violations go unreported through this system.

“Motorist jumping signals, driving without seatbelts cannot be tracked with CCTV as its not visible through cameras. We have to depend on cops standing at junction for catching violators,” said another officer. Also, after sunset, headlights make it difficult for cops in the monitoring room to read the number plate, so the cops at junctions start working then,” he added.

*Record breaking challans*
On Thursday, traffic cops issued record-breaking challans to motorists. Till 6.45pm 4,562 e-challans were issued.

“It’s a record-breaking number of challans issued on any day, and we are still issuing it,” said an officer from the traffic department, adding, “the previous record of issuing most challans was 3,401, but surpassed it today. We start monitoring major junctions in the city from 8 am and continue it till 8pm. Our staff works in two shifts, with 24 cops at a time.*Traffic offences in city (till 5.40 pm on Nov 10)*
*4,000:* Halting ahead of stop line
*69:* Without helmet
*36:* Without seatbelt

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Ulhasnagar resident Rekha Arao is another victim of the demonetisation and it’s after-effects in medical institutions. Although the government has ordered a 72-hour relaxation for use of old denomination notes in hospitals, Rekha’s hopes to bring her mother home on Wednesday was crushed by to Bombay Hospital authorities who refused to discharge the 70-year-old until Rekha paid for the treatment in Rs 100 denominations or through card.

Rekha said, “My mother was diagnosed with swollen kidney so we admitted her last week. She was supposed to be discharged yesterday, but the hospital refused to accept the bill amount of R50,000 in denominations of R500 and R1000. They said we have to pay in R100 denominations or through card, but we don’t have either!”

*A rush at medical shops near BombayHospital*

*Child suffers the brunt*
In another incident, Osama Sheikh, a man in his late 20s, had to run from pillar to post yesterday to procure medicines for his 8-year-old niece, Shaikh Zoya Aslam. Zoya is undergoing treatment for typhoid at Noor Hospital. Sheikh said, “I have been running from one pharmacy to another because none of them are willing to give me medicines against R1,000 notes.”

*Cutting down on medicines*
Luck favoured Madhya Pradesh resident Nitin Tiwari who managed to buy medicines using the now invalid currency notes.

“I came to Bombay Hospital for treatment and I was billed R1,200. But because the pharmacy was short on R100 notes, they asked me to buy medicines worth R1,000. At least, they accepted my R1,000 note.”

*Actions against pvt hospitals*
The state health minister has announced that if private hospitals refuse to accept the notes, the department will take steps against them. “No private hospital can refuse to accept R500 and R1,000. If we receive any complaints, we will take steps against them,” said Dr Deepak Sawant.Voices*Ravindra,*
CEO ofJupiterHospital

“As per rules, private hospitals are exempted from accepting the old currency. But we are ensuring that patients don’t face any kind of harassment in their treatment. They can pay by cheque, credit or debit cards or even through online transactions.” 

*Dr Rajendra Pata,*
CEO ofNanavatiHospital:

“We have stopped accepting the old currency. Only government hospitals are accepting them, but we are exempt from all those regulations. However, we are taking all care of patients and if someone fails to give the money in cash during admission we are asking them to submit it together during discharge.” 

*Dr Tarang Gianchandani,*
JaslokHospital, CEO

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After having to call off their initiative three times earlier this year due to lack of permission(s) from civic authorities and the police, residents of Lokhandwala (Andheri West) will be pouring out onto the streets on November 20 to take part in their first-ever ‘Be Happy’ campaign.*Lokhandwala’s Backroad will remain closed to traffic from 7 am to 11 am on November 20*

Inspired by Bogota’s version of conducting an equal street day on a given day of the week, this campaign will enable neighbourhood residents to come forth and enjoy a ‘free street’ experience on the morning of November 20.

*Love thy neighbour*
With permissions from the BMC and joint commissioner of police (law and order) already in place, the event is set to take place on Lokhandwala’s Backroad — which will remain closed to traffic from 7 am to 11 am on November 20. Cycling races, sporting and colouring competitions as well as women’s self-defence workshops and other activities aimed at building a cohesive bond between residents of this suburban neighbourhood, will be taking place at the venue.

“The event will go on from 7 am till 10 am, after which, the road will be opened to all for a common jam session,” said Dhaval Shah, founder, Lokhandwala Oshiwara Citizens Association, the driving body behind organising this campaign.

“The venue will have various sections dedicated to an assortment of interests such as skating, football, cricket, cycling, as well as taekwondo and workshops on women’s self-defence and Latin-American dance. There will also be a number of food and art stalls put up by residents themselves, where they can showcase their makings and sell them. All in all, it’s a chance for the locals to come forward and help in building a cohesive neighbour-to-neighbour bond.”

From hereon, every third Sunday of the month will be marked by the ‘Be Happy’ campaign in Lokhandwala.

*Permissions in place*
“All required permissions, ranging from traffic to law and order, have already been obtained; we are all set for Sunday,” said Prashant Rane, MNS president for ward no. 60. “Having a day to reclaim the streets — where we only see traffic everyday — is important for people to feel connected to their surrounding.”

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Even as India debates the pros and cons of demonetisation and Mumbai reels under a cash crunch, graphic artists are doing what they must -- deliberating on the aesthetics of the new Rs 2,000 note that rolls into the market today. While they feel it is not entirely fair to land on a ‘good-bad-ugly’ verdict without having held the note in their hand, they say it violates basic design principles.

Sanket Avlani, curator of Taxi Fabric, says, “Right from the typeface to the cluttered arrangement of elements and lack of borders, the aesthetics has taken a beating.” He asks why India couldn’t have done what Norway did. Norway’s Norges Bank invited inputs from eight teams via a contest. “The winning design is contemporary; it shows how a currency design can be iconic too,” Avlani says.*The winning Metric System design features on the new Kroner*

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An accused arrested in a narcotic drugs case, for whom fellow inmates raised the bail amount of R15,000, is still stuck inside jail because the jail cash counter has refused to accept R500 and R1,000 notes.

Akashkumar Chachad, 30, was arrested by the Pydhonie police station in November 2014, while in possession of 20 grams of mephedrone drug.

Chachad had, in December 2015, filed a bail application before the Special NDPS court and he was granted bail on the cash surety of Rs 15,000. However, being from a poor family Chachad couldn’t arrange for the surety money. But, fellow inmates pitched in over a few months and they finally came up with Rs 15,000.

Chachad’s lawyer Sartaj Shaikh, told *mid-day*, “I reached the cash counter of the Sessions court late Tuesday evening so couldn’t pay the money. That same night, we all got a shock about the devaluing of the Rs 500 and Rs 1,000 notes. When I went to pay the cash at the jail counter the next morning, the officials refused to accept it.”

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What do you do when you run out of real money? Use play money, instead. That’s the solution for the current problem at some dance bars in town.

A patron’s card is swiped and fake cash wrapped in plastic is handed to him to use, at the bar.

The orchestra bar industry, which depends heavily on cash flow, whether its giving money to the performers to tipping waiters and doormen, has been badly hit by the sudden withdrawal of R100 and R1,000 notes.

“There are barely any customers coming in for the past two days. Nobody has change. We are accepting R100 and R500 notes because we will be able to exchange them at the bank. But, how do we run our business without change? Customers need these small notes to use inside the bar,” said Rohan Shetty, owner of an Andheri bar.

“We have kept fake note rolls for customers to give performers while we take payment via a debit or credit card. Generally, we have a supplier for change who provides us with bundles of notes of R10, R20, R50, R100 denominations. He has been avoiding our calls for the past two days. He may be out of change. Others are asking for 13 per cent extra just to provide change,” Shetty said. Customers can put these rolls around performers’ necks, in the absence of real notes, say owners.

Complaining that he had lost business over two days, Govind Shetty, owner of a south Mumbai orchestra bar, said, “We cannot run our business without change. Most of the waiters and workers, even performers, have a major chunk of their income coming from cash dealings inside bars.” While a few bars decided to remain shut or close before time, most were open but saw a drop in footfall.

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The Lalbaug flyover was shut around 10.30 pm on Wednesday after a wide crack was spotted over pillar 221. Two beams, soldered with rubber and cement, had detached, revealing broken iron joints. Many vehicles passed over the precarious stretch before a commuter alerted the police.

After inspecting the damage, the Kalachowky and Byculla police closed the 2.45-km flyover. Repairs by the BMC will take a day or two.

After the police control room was alerted, two beat marshals from the Byculla police station were sent to assess the spot. One of these constables said he was asked around 8.45 pm to look into a complaint of an iron sheet falling off the flyover. “We looked below the entire stretch of the flyover for this sheet, but couldn’t find anything. We then called up the commuter who had alerted the police to find the exact spot. After a few more rounds of the flyover, we spotted the gap and the loosened joints. The joints kept popping out more as vehicles passed over them. It was almost 10.15 pm by then.”

The flyover was immediately shut and the BMC sounded out. The bridge was built by the MMRDA, but the BMC handles its maintenance.

The constable said although there was no immediate danger to four-wheelers, bikers could have had a fatal accident at the spot.

The police guarded the flyover at entry/exit points near the Parel workshop as well as near Ranibaug. BMC officials assessed the damage and said repairs will be taken up today.

The traffic police immediately diverted traffic to P D’Mello Road and Peddar Road (for north-bound motorists), Five Gardens and Dadar TT (for those heading south), as well as the Eastern Freeway. They sent out tweets about the diversions and even sent SMS alerts to many motorists.

This morning, the north-bound arm was kept shut, while small cars and bikes were being allowed on the south-bound carriageway.

*With inputs from Vijay Kumar Yadav and Laxman Singh*BMCSpeak*SO Kori*
Chief engineer, bridge department, BMC

The material used in one of the joint expansions of the bridge loosened and left a huge gap. We closed the north-bound traffic and called the contractor for an inspection of the spot. It seems the joint expansion was not filled properly. But, the exact cause will be ascertained later.

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A day after the state issued a circular ordering all hospitals — private and public — to accept Rs 500 and Rs 1,000 notes, many private facilities continued to turn patients away. Many of these claimed that they had not received the circular and thought it was a hoax.

Citizens are bearing the brunt of this confusion, as they run from pillar to post for medical tests, treatment or just to buy medicines. Frustrated patients pointed out that even though the state health department promised to take action against such facilities, there is no helpline or system in place where they can lodge complaints.

*WhatsApp circular*
To save time, the state health department had issued the circular on its WhatsApp group, stating that till November 11 (today), no private hospital can refuse to take Rs 500 and Rs 1,000 denomination notes. However, not all hospitals were on that group and when they received the circular from other sources, they assumed it was a hoax.

*Also Read: Not(e) fair: Helpless patients forced to beg for medicines*

A meeting was held to clear the confusion and some hospitals like Nanavati, Jupiter and Kokilaben Dhirubhai Ambani began to accept the higher denomination notes later in the day. On the other hand, this reporter found that certain hospitals like Wockhardt and Breach Candy Hospital were still not following the circular.

*Patients suffer*
Abhijit Choksi has been struggling to get medicines and blood tests for his 64-year-old mother, a cardiac patient and has already sustained three heart attacks. As his mother is a diabetic, she urgently needs to undergo a blood test that will cost Rs 6,000, and will also require medicines worth Rs 12,000. But since he didn’t have Rs 100 notes or a cash card, several hospitals and pharmacists turned them away.

“Despite the circular, many big private hospitals aren’t following the rules. Breach Candy Hospital told me to bring Rs 100 notes or visit another hospital. Banks only opened today and I didn’t have time to stand in queue and exchange the old currency. The government should start a helpline so we can complain directly about this harassment,” said Choksi.*What the hospitals have to say*
mid-day received confirmation from 3 hospitals that they had started to accept Rs 500 and Rs 1,000 notes in payment — Dr Rajendra Pata, CEO of Nanavati Hospital; Dr Ravindra, CEO of Jupiter; and Dr Ram Narain, executive director of Kokilaben Dhirubhai Ambani Hospital. Breach Candy is yet to follow the circular; medical director Dr Geeta Khopikar was unavailable for comment. Wockhardt Hospital’s central chief Dr Parag R said, “We are following the rules given by RBI. We haven’t received the circular sent by the state health department. So, we aren’t accepting old currency.”

*People speak*

*Avantika*
‘My father was being discharged tonight (Thursday), and the hospital told us to pay R50,000 but refused to accept the old currency. At 10 pm, how do you expect us to find new notes? My friend had to pay the bill with his credit card’

*Arpan Trehan*
‘My 10-year-old son was admitted at Breach Candy for dengue. The hospital refused to take my money even after I told them about the government’s circular. They claimed the circular was fake. The government should have started a helpline so we could have informed them’

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Several devotees stranded at the Ajmer Dargah after the Prime Minister’s decision to ban Rs 500 and Rs 1,000 notes breathed a sigh of relief after the khadims (attendants) there helped them get change. The khadims dug into the degh (the vessel people put cash donations in) for helping the visitors, many of whom had come from Mumbai.

The khadims also offered them langar (free food) after hotels turned those having only Rs 500 and Rs 1,000 notes away.

*Divine help*
Haji Sayed Ali Hussain Chishti (khadim) of Ajmer Sharif said, “On Thursday afternoon, we saw most of the devotees struggling to arrange money. With banks closed and most of them being from other states, they were helpless. So, we helped them out with change taken from the degh, as it was an emergency.”

“We distributed the change so that devotees would have some cash on them to return home. We even gave change from our own pocket. We will deposit the banned notes in the bank, in the trust’s official account. Langar was kept on Wednesday and Thursday... Most of the devotees have been coming here for decades to seek blessings; it was our duty to help them,” said Sayed Wahid Hussain Chishti, secretary of the Anjuman Moinia Fakhria Khuddam Khwaja Sahaab Trust.

*A relieved bunch*
Dongri businessman Haji Kadar (59), who visits every month on Chatti (the sixth of every month as per the Urdu calendar) said, “I reached Ajmer Sharif on November 6, my return ticket was on November 9.

On Wednesday, when I came to know about the ban, I was in a fix. By grace of the Sufi saint, it worked out... the khadims gave me change for Rs 7,000. The money helped me pay for the hotel, buy sweets and return home.”

Crawford Market resident Mohammed Muktadir (33) had a similar story to share.

“Not just Mumbai, there were so many from other states as well, all of whom were helped with change by the khadims. I came to know about the ban via WhatsApp. On Thursday afternoon, the dargah trust officials announced on the loudspeaker about change being given to devotees near the degh. I rushed there and got change for R1,500. It helped me pay for the hotel and my return journey,” he said.

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Fishermen and others involved in the business have tided over the demonetisation issue by operating on credit or accepting ban­ned notes. While those bringing fish to the shore are accepting cash in any denomination, agents who sell the supply to smaller fishermen are accepting the devalued notes against an assurance of adjusting the cha­nge in future dealings. Small fishermen are insisting on R100 notes while selling fish to customers in markets and those supplying to hotels are taking payment in cheque.

midday visited Sassoon Dock at dawn today. While business was on in full swing and there was no time for anyone to refuse Rs 500 and Rs 1,000 notes. Vatsala Mihir, a fish-seller, told us, “We’re taking notes here as we can give it to  agents. But, outside, we insist on change. There is no way for us to supply in credit.”

While agents have sorted out their issue of change with boat owners, they are accepting the banned notes from buyers. But, do not have change to return. This means if a fisherman has bought a consignment of Rs 8,700, he will not get Rs 300 back. "They assure us that they will adjust the money in future dealings. We know each other for many years, that’s why we have agreed," said Warsha Loge, a fisherwoman. Reported by Mid-Day 3 hours ago.

North American Life Plans Announces Innovative Health Plan Solution Alternative to Obamacare

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North American Life Plans, LLC announces innovative health plan solution providing comprehensive benefits, lower prices, and ACA compliance

Frisco, TX (PRWEB) November 11, 2016

North American Life Plans, LLC (NALP) a leader in the individual health insurance market, introduces the most unique and innovative alternative to traditional Affordable Care Act plans called Americas Health Options (AHO).

While other ACA plans, otherwise known as Obamacare plans are raising rates, decreasing benefits, eliminating doctors and hospitals, and pulling out of the marketplace, Americas Health Options is expanding at record pace and is now available in 21 states including, AL, AR, AZ, GA, IA, IL, IL, KY, LA, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, TX, UT, and WI.

Americas Health Options provides comprehensive benefits, a broad national provider network, and prices that are 30%-70% less than other plans. Plus, it is ACA compliant so that there are no penalties, and it meets the mandate requirements for the self-employed.

North American Life Plans, LLC headquartered in Frisco, TX was founded in 2006 by Eugene Woznicki. NALP operates nationally and is an industry leader in developing unique and innovative health insurance products and services. NALP offers these products to the public exclusively through its network of independent agents and advisors that provide health, supplemental health, and ancillary product solutions.

For more information, please contact:

North American Life Plans, LLC
Andrew D. Dastur, CLU, CFP
Executive Vice President
2500 Legacy Drive, suite 130
Frisco, TX 75034
(888) 362-1214
info(at)lifeplansllc(dot)com Reported by PRWeb 3 hours ago.

John W. Crane, CLU®, ChFC®, MBA Earns Retirement Income Certified Professional® (RICP®) Designation

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John W. Crane, CLU®, ChFC®, MBA of First Financial Group has earned the Retirement Income Certified Professional® (RICP®) professional designation from The American College, Bryn Mawr, PA. Candidates for the RICP® designation must complete a minimum of three college-level courses, pass a series of two-hour proctored exams, have three years of experience, meet stringent ethics requirements, and participate in The College’s continuing education program.

Alexandria, VA (PRWEB) November 11, 2016

John W. Crane, CLU®, ChFC®, MBA of First Financial Group has earned the Retirement Income Certified Professional® (RICP®) professional designation from The American College, Bryn Mawr, PA.

Candidates for the RICP® designation must complete a minimum of three college-level courses and are required to pass a series of two-hour proctored exams. They must also have three years of experience, meet stringent ethics requirements, and participate in The College’s continuing education program.

The RICP® educational curricula is the most complete and comprehensive program available to professional financial advisors looking to help their clients create sustainable retirement income. The rigorous three-course credential helps advisors master retirement income planning, a key focus area not fully covered in other professional designation programs. From retirement portfolio management techniques and mitigation of plan risks to the proper use of annuities, employer-sponsored benefits and determining the best Social Security claiming age, the RICP® provides a wealth of practical information for advisors.

Using the most current techniques, RICP® identify retirement income needs and objectives and evaluate a client’s current situation relative to those goals. Individuals who earn a RICP® can provide specialized advice on a broad range of retirement topics including income needs and objectives, estate issues and other risks to the retirement income planning, Social Security, health insurance and housing decisions, and income taxation.

Based in Alexandria, VA, John W. Crane, CLU®, ChFC®, RICP®, MBA serves clients throughout the Virginia, Maryland and Washington, D.C. area. In order to offer personalized attention and a high level of service, he only works with a select group of clients. These clients are business professionals, corporate executives of small and mid-sized businesses and specialty specific medical doctors. Through following a unique financial management process, he works closely with his clients to create strategies that not only address their current needs, but also future goals, working alongside them for the many years to come.

The American College is the nation’s largest non-profit educational institution devoted to financial services. Holding the highest level of academic accreditation, The College has served as a valued business partner to banks, brokerage firms, insurance companies and others for over 86 years. The American College’s faculty represents some of the financial services industry’s foremost thought leaders. For more information, visit TheAmericanCollege.edu.

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JOHN W. CRANE, Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). 7101 Wisconsin Avenue, Suite 1200, Bethesda, MD 20814. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor. (301) 907-9030.

Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect wholly-owned subsidiary of Guardian. First Financial Group is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member of FINRA, SIPC.

2016-31013 Exp 11/18 Reported by PRWeb 3 hours ago.

The Democratic Party Has Exploded

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The Democratic Party exploded Tuesday night.

There will be months of finger-pointing and internal reprisals over exactly what Democrats should have done differently. But the shocking thoroughness of the defeat is plain. Donald Trump ― a man who opened his presidential campaign by calling Mexicans “rapists” ― bested Mitt Romney’s share of the Latino vote by 8 percentage points. He performed better among black voters than his 2012 predecessor, and he swept four Rust Belt states that President Barack Obama carried twice ― Pennsylvania, Ohio, Michigan and Wisconsin ― under a harsher economy than we face today. Hillary Clinton won the popular vote, which should matter, but does not.

How did this happen, and what now?

The exit polls provide some clarity: A significant chunk of Obama voters flipped to Trump. Trump won 10 percent of voters who approve of Obama’s presidency and 23 percent of voters who think the next president should “be more liberal,” according to CNN data. Trump significantly outperformed Romney among union households. He did 14 points better than Romney among whites without a college degree, according to The New York Times, and 16 points better among households with less than $30,000 in income. The Trump Democrat turns out not to be a myth, but a meaningful constituency that just cost Clinton the presidency.

*Listen to The Huffington Post’s analysis of the 2016 election in the latest episode of the politics podcast “So, That Happened,” embedded below:*

 
Optimistic Democrats have long believed the voter coalition behind Obama ― young people, brown people, lower-income people and a sprinkling of white professionals ― was a stable and growing majority that could always put Democrats over the top. Instead, it's success in 2008 and 2012 may have had more to do with a uniquely talented politician who also happened to be the first black president.

Obama also glued together two otherwise hostile ideological factions within the Democratic Party. Time magazine hailed him as the second coming of Franklin Delano Roosevelt, while he declared himself a member of the corporate-friendly, free-trading New Democrat coalition. Millions of Americans who love Sens. Bernie Sanders (I-Vt.) and Elizabeth Warren (D-Mass.) also love Obama. So do well-heeled technocrats who admire President Bill Clinton and economist Larry Summers.

This was reflected in Obama’s policy achievements. He expanded access to health insurance for millions of people and signed trade deals that undermined workers and enriched CEOs.

That same duality permeates Congress, where New Democrats have been battling New Dealers for 45 years. It is simply not clear that another politician is capable of keeping that team united. 

Instead, a dominance struggle between Sanders supporters and the Steny Hoyer wing of the party is already underway. Raul Grijalva, co-chair of the Congressional Progressive Caucus, is calling for a “complete restructuring” of the Democratic National Committee, and Sanders is promoting nominees.

The Clintons have been on the national stage for nearly a quarter of a century. An entire generation of Democratic operatives has grown up in a world in which it was always understood that the family would be a nexus of political power. This cohort expected to inherit the levers of government and is now without a patron. That fact, for the moment, gives progressives the upper hand in directing the party’s future. But because Democrats are certain to suffer devastating policy defeats under Trump and a GOP Congress, there will be no legislative victories that either faction can point to as proof its worldview can work. And further electoral losses are on the horizon. The 2018 map is terrible for Democrats -- five of their senators are up for re-election in Republican-dominated states, and four more in swing states. The losing side in the party leadership battle will be pissed off for a long time.

The American left, meanwhile, is a difficult beast to corral. The Sanders coalition wasn’t monolithic ― it included plenty of New Dealer populists, but it also brought in capital-S hammer-and-sickle Socialists who don’t really like the Democratic Party. Even under a progressive takeover, we can expect the bitter intellectual feuds between Bernie Bros and Hillary Bots to shift down the ideological spectrum.

Many are interpreting Trump’s election as a white supremacist backlash against the first black president and misogynist fear of a first woman president. After Trump’s vile campaign, it is impossible to conclude these were not significant factors.

But ugly attitudes don’t simply fall out of the sky, eternal and inflexible. A new paper from economists Ron Johnson and Arjun Jayadev looks at economic downturns from 1979 to 2014, and finds a tight correlation between unemployment and racism ― the higher the unemployment rate, the more ubiquitous the discrimination. A 2014 study from New York University psychologists found that racial animosity hardens under economic scarcity. Last year, three German economists found that “far-right” political parties almost always make significant gains after a financial crisis.

This doesn’t mean that economic insecurity is the sole cause of racism, but it does suggest that it can be a cause. They call it the Rust Belt for a reason. If Democrats want to stamp out the views that made President Trump possible, they will have to do a better job delivering economic gains to working people.

“We have been fighting out elections in general on a lot of noneconomic issues over the past 30 years,” Clinton recently told the New Yorker’s George Packer. “We haven’t had a coherent, compelling economic case.”

Indeed.

 

“So, That Happened” is hosted by Jason Linkins, Zach Carter and Arthur Delaney and produced, edited and engineered by Christine Conetta.

To listen to this podcast later, download our show on iTunes. While you’re there, please subscribe to, rate and review our show. You can check out other HuffPost podcasts here.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 1 day ago.

Two Webinars Will Demonstrate AIS’s Powerful Directory of Health Plans Online Database

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Two upcoming demo webinars will show the powerful tools of Atlantic Information Services’ new online Directory of Health Plans.

Washington, DC (PRWEB) November 11, 2016

Atlantic Information Services, Inc.’s (AIS) Directory of Health Plans (DHP) is the definitive source of health plan enrollment and contact data for health insurers operating in the United States — and the new online version of DHP puts all its data in one reliable resource. Two upcoming free demo webinars — on Nov. 17 and Nov. 29 — will show the full power of the database, and give participants an opportunity to pose questions to Database Director Susan Namovicz-Peat.· Explore all the features of the DHP Dashboard, including In-App Downloads, the Newsfeed and how to share access with colleagues
· See the online search tool in action and learn how to find out which insurers are leading in a particular market sector; identify the top players in any sector in a particular state; compare membership in provider-sponsored plans vs. other plans; and determine which plans get how much of their membership from public exchanges
· Learn how to export your data selection to Excel for further analysis
· See how to quickly access supporting documentation, explanations and additional spreadsheets included in the DHP subscription
· Find out where to go to test the online search tool and other features

Participants in the webinar will also receive a free report, Profiles of the Eight Largest Health Insurers, which provides an overview of the health insurance operations of eight largest health insurers in the U.S. (as measured by medical membership).

To register for the demo, visit https://aishealth.com/DHP-demo.

About DHP
AIS’s Directory of Health Plans is the most comprehensive resource available on the U.S. health plan market, with enrollment data and contact information for all health plans operating in the United States. By maintaining impeccable research standards and strict methodology through 13 annual editions, the Directory offers true year-over-year comparisons and extremely accurate and sensitive insight into developing trends. The Directory is available as a printed book, as data files on a CD or USB Flash Drive, or — new for 2016 — as an interactive website, to permit the creation of specific analyses that suit the needs of each user. Learn more at https://aishealthdata.com/dhp.

About AIS
Atlantic Information Services, Inc. (AIS) is a publishing and information company that has been serving the health care industry for nearly 30 years. It develops highly targeted news, data and strategic information for managers in hospitals and health systems, health insurance companies, medical group practices, purchasers of health insurance, pharmaceutical companies and other health care organizations. AIS products include print and electronic newsletters, databases, websites, looseleafs, strategic reports, directories, webinars, virtual conferences and training programs. Learn more at http://AISHealth.com. Reported by PRWeb 23 hours ago.

The Affordable Care Act in 2017: Challenges for President-Elect Trump and Congress

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Coauthored by Sara R. Collins

Affordable health insurance coverage and high-quality health care for everyone are essential components of a high-performing health system. The Affordable Care Act (ACA) has moved the nation affirmatively down this path since its passage in 2010, by insuring more than 20 million Americans and facilitating change in how we organize and pay for health care. These gains have reduced out-of-pocket health costs for many people, improved access to care, and led to better health. Commonwealth Fund surveys have consistently found that people who have gained coverage through the law's insurance expansions are satisfied with their health plans and their doctors.

At the same time, changes in how health care is delivered, brought about by the ACA as well as ongoing private-sector initiatives, have lowered hospital patient readmissions--a good thing. These reforms have also helped reduce the rate of growth in national health care spending and coincided with historic improvements in quality of care.

We hope that the change in government leadership as a result of yesterday's election will not alter the nation's commitment to improving insurance coverage and health care. The recent challenges in the ACA marketplaces are not insurmountable. Policymakers at both the federal and state level have many options for improving the affordability of private health insurance, both in the marketplaces and in workplaces, as well as for promoting competition and consumer choice.

President-elect Trump has proposed repealing the ACA. Researchers at RAND have estimated that a repeal would erase all the coverage gains made over the past six years and increase consumers' insurance costs. A simple repeal would also end the significant care delivery system changes that the law brought to Medicare and the elimination of new sources of revenue, leading to a $33 billion increase in the federal deficit in 2018. The president-elect has said he believes that everyone should have health coverage. The replacement proposal on his campaign website, however, would not fully remedy the likely loss of insurance by millions of Americans. Any ACA replacement proposal should be measured by how well it ensures access to high-quality, affordable, and efficient care, especially for our most vulnerable populations.

The nation's gains in health care coverage and delivery system design over the last several years have made measurable differences in the lives of millions of Americans. There are many ways to achieve a high-performing health system. But it's critical that the nation remain committed to this goal.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 20 hours ago.

Could California keep Obamacare if the law is repealed?

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Millions of Californians have gained health insurance under the Affordable Care Act.  Now the future of that federal law – and medical coverage for those people  -- is in doubt. President-elect Donald Trump said repeatedly during his campaign that one of his first acts would be to “repeal and replace”... Reported by L.A. Times 20 hours ago.

Trump’s Own Blacks

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(Photo: AP/Christian Murdock/The Gazette)

Ben Carson speaks during a rally on Friday, November 4, 2016, at the Classical Academy in Colorado Springs.

Donald Trump’s “What have you got to lose?” appeal did not move African Americans. There’s been some media interest in the significance of the 8 percent of the black vote that Trump gained compared to Mitt Romney’s 7 percent haul in 2012, but a one-percentage-point uptick does not a political realignment make. Hillary Clinton ran away with 88 percent of the black vote, winning 94 percent of black women and 80 percent of black men, winning the overall popular vote only to get crushed by the Electoral College. But the Republicans won’t conduct a post-Romney autopsy this time around, because they threw in their chips with Trump and cashed out beyond their wildest dreams.

What can African Americans expect from a Trump administration? Nothing bodes well at this juncture, but one thing bears watching: Under an unreconstructed bigot, there may be a rebirth of tokenism in the highest reaches of American government. The real racial, ethnic, and gender inclusiveness reflected in President Obama’s executive branch political appointees, the White House staff, and cabinet may be consigned, along with the rest of the Obama legacy, to the dustbin of history.

Trump could certainly try to erase the stigma of his racially divisive campaign. “One way of dealing with that image will be deploying African American surrogates in high-profile positions to signal diversity,” says Corey Fields, a Stanford assistant professor of sociology, and author of Black Elephants in the Room: The Surprising Politics of Black Republicans. “Will we see African American Republicans talking about conservative social policies in ways that are connected and resonate in black communities?” he says, adding, “Otherwise, it’s just an empty gesture to have black people saying things white Republicans say.”

The GOP has been adept at identifying and elevating the very few African Americans who personify the party’s core belief that race is irrelevant. Ben Carson, a Trump supporter and former presidential aspirant, may be tapped to head the Departments of Education or Health and Human Services. The elevation of Carson, who has talked about “de-emphasizing race,” and who has elicited reactions ranging from admiration to ridicule among African Americans, is unlikely to assuage fears that a Trump presidency is poised to dismantle, among other things, Obamacare, which provided millions of African Americans with health insurance. Other African Americans in the president-elect’s orbit include Ken Blackwell, a former Ohio secretary of state and Cincinnati mayor who heads the domestic-policy transition team, and Milwaukee County Sheriff David Clarke, of “pitchforks and torches” fame, who is under consideration for the Homeland Security top slot.

The challenge for the Trump administration is not relying on surrogates like Carson but finding fresh faces who offer what Fields calls “a pro-black” message: acknowledging that race plays a major role in how a person lives his or her life while delivering a conservative social message that confronts the issues facing black communities.

That’s going to be tough if not impossible for the GOP to pull off, since they never have cultivated an African American political talent pool. Trump so alienated a rising star like Utah’s Mia Love, the first black Republican woman to serve in Congress, that she wrote in Mike Pence for president.

“There is no pool available, in part because those people don’t get selected into the good graces of the party,” Fields told The American Prospect. “Because the screening requirement for African American Republicans is ‘Do you care about race?’ And, if the answer is ‘yes,’ you don’t get a seat at the table.”

An early November poll of African American voters by the African American Research Collaborative/Latino Decisions found that jobs, criminal justice, civil rights, and education were the most important issues that they wanted to see the next president address. Trump, Hillary Clinton, and the news media zeroed in on the economic grievances of the white working class, but many of those same economic insecurities are widespread within the black working class. Rather than address them, Trump eagerly cultivated the familiar caricature of a jobless, poorly educated people, trapped in neighborhoods that double as shooting ranges. That view invited widespread outrage but played well to right-wing fanatics who enjoyed being able to spout unfiltered racial abuse without, apparently, damaging Trump’s electoral prospects.

Trump has sent American race relations hurtling backwards. Moreover, a Republican Congress is ready to rip up what’s left of the social safety net on which tens of millions of Americans, including poor and working-class blacks, rely. This sorry state of affairs presents enormous opportunities and challenges for the Democratic Party.

Already, young demonstrators across the Democratic left have erupted in ferocious opposition to the threat that Trump poses, which promises to fuel mobilizing and organizing efforts involving, and on behalf of, undocumented immigrants, Muslims, and other targets of a Trump-led government. “Dealing with unfortunate situations and undesired outcomes is standard operating procedure for African Americans,” Fields says. “What is new is the expansion of this feeling across the racial and political divide.”

There is another cautionary tale for Democrats parsing the election results. While just 4 percent of black women voted for Trump, he won 13 percent support from black men. Fields argues that the Republican themes of pulling oneself by one’s bootstraps and rejection of dependence on government have resonance for some black men. Black Republicans like Carson have embraced this philosophy and Trump’s “try something new” invitation sealed the deal for them. That’s yet another problem that Democratic leaders would be wise to recognize and address.  Reported by The American Prospect 20 hours ago.

Tips for choosing a health plan during open enrollment

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This year, approximately 57 percent of Americans under age 65 are part of an employer-sponsored health plan. That’s 155 million Americans who have health insurance coverage either through their own or a family member’s employer. The landscape is similar in Tennessee. According to research from the University of Memphis, nearly 83 percent of all Tennessee workers were employed by a company offering health benefits in 2015 — and more than 75 percent of eligible workers enrolled in employer-sponsored… Reported by bizjournals 17 hours ago.

The glaring flaw in Trump's health plan

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The glaring flaw in Trump's health plan The Affordable Care Act, better known as Obamacare, has experienced hiccups of late.

An older, sicker, and more expensive pool of patients have led to losses for health insurers and pull backs from the ACA's public exchanges. Increased costs — mostly in states that have not expanded Medicaid — and higher deductibles have put pressure on Americans' wallets.

On the flip side, one of its successes has come from the fact that 20 million Americans who would did not have coverage before Obamacare now have it. Through the exchanges, Medicaid expansion or policies such as young people getting to stay on their parents' insurance until they're 26 years old, have driven down the uninsured rate in the US to an all-time low.

With the election of Donald Trump on Tuesday, however, the ACA appears to be in jeopardy. Trump has repeatedly promised to repeal and replace the ACA, and both Republican leaders in Congress — House Speaker Paul Ryan and Senate Majority Leader Mitch McConnell — said Wednesday that repealing the law was a top priority.

Trump released his heath plan on his transition website, greatagain.gov, on Thursday. While it was vague in its details, it appears to have one glaring flaw: It does not yet outline a solution for what to do with the over 20 million Americans with insurance from the law.

Based on the plan on Trump's transitional website, there are some stabs at maintaining the coverage for these people.

"A Trump Administration will work with Congress to repeal the ACA and replace it with a solution that includes Health Savings Accounts (HSAs), and returns the historic role in regulating health insurance to the States," read the Trump transition website.

HSAs are tax-advantaged accounts that can be used for medical expenses. These are typically used in conjunction with high-deductible insurance plans to help ease the burden of out-of-pocket costs. But HSAs alone are not a direct substitute for coverage, but typically used in conjunction. Additionally, most Obamacare plans are high-deductible plans already and a significant portion have HSAs.

Trump's plan also seemingly contradicts itself in regards to regulation of health insurance and the ability to sell insurance over state lines.

"To maximize choice and create a dynamic market for health insurance, the Administration will work with Congress to enable people to purchase insurance across state lines," read the Trump plan.

Currently, insurance is regulated on a state-by-state basis by insurance commissioners, who set their own rules. Trump's plan to "do away with state lines" doesn't necessarily increase coverage, experts say, and it would simply allow business to be domiciled in whatever state has the most favorable regulation or give more power to the federal government in regulating insurance.

Additionally, as noted by health-policy experts, state regulators are not the largest impediment to introducing plans in new areas. That would be setting up new hospital networks, instead.

Trump also proposed to reinstitute high-risk pools, which were plans that allowed people with preexisting conditions to get plans that were partially subsidized by the state government.

"The Administration also will work with both Congress and the States to re-establish high-risk pools – a proven approach to ensuring access to health insurance coverage for individuals who have significant medical expenses and who have not maintained continuous coverage," said the Trump plan.

These plans, however, typically had premiums twice as high as normal individual health plans, which made them a serious deterrent for many of the people with ACA plans and preexisiting conditions. Additionally, only 226,000 people took part in these pools at their peak in 2011.

This also does not account for those that have received care from expanded Medicaid provisions. Trump has previously said that he would provide funding in a block for states to do as they please with Medicaid. The transition site reads that the administration plans to "enable states to experiment with innovative methods."

Whether the 15.7 million people who have gained access to Medicaid through the ACA expansion will keep it is not clear from Trump's plan.

Theoretically, by defunding the various parts of the law, these people could simply be out of luck. As Timothy Jost, a professor for health law at Washington and Lee University and an advocate of the ACA, told Business insider on Wednesday: "Some of them will die. That's what happens when you lose health coverage."

Interestingly enough, in the day after Trump's election was the strongest day of enrollment for ACA exchange plans so far. Politico's Dan Diamond speculated this could be because people want to access coverage before changes to the healthcare system.

That's due to potentially good reason: The current Trump plan is vague, and there is a good chance contributions will come from congressional leaders such as Ryan. There does not appear to be a definite plan to cover the 20 million people who have plans due to Obamacare's provisions.

*SEE ALSO: Obamacare is close to death after Trump's election*

Join the conversation about this story »

NOW WATCH: Everything we know about Donald Trump’s unhealthy diet Reported by Business Insider 17 hours ago.
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