It is an old chestnut to write about how America fails its citizens but the US is the only country where I have lived that doesn’t provide health care. It is the duality of a superpower that can spend a fortune on military hardware but cannot protect its most vulnerable people.
In France, I have a shiny green Carte Vitale – the card of the National Health Care Service. In the UK, I still have my old National Insurance card – red, pale blue, white – from the 1980s which granted me use of the National Health Service.
But when I arrived in America three years ago, the first thing I did was get a job that gave me insurance. Otherwise, I was told by everyone I knew, I could go bankrupt or be in debt my entire life if I broke a leg or got hit by a car.
Most people in the US have either private insurance or a combination of various state or federal programmes. But often these programmes don’t provide access to the best facilities. There is not much choice if you are poor: you take what you can get, which is why many poor people don’t go to the doctor.
There is also the question of dignity. Once, taking a sick relative on Medicaid – the nation’s public health insurance for people with low income – to a clinic, my sister overheard the doctor say to his nurse: “Give him no more than ten minutes. He’s on Medicaid.”
In the past five days, both my son and I were ill. We were treated in vastly different healthcare facilities. Yet both were excellent because of the compassion and dedication of the staff. Most nights during lockdown I leaned out of my window at 8pm and clapped, cheered and banged pans for the anonymous healthcare heroes saving lives. Now, in the past week, I know who they are.
My son had a serious mountain bike accident while we were on vacation in Wyoming. Although the “blood” wagon that brought him off the bike track, and the small emergency clinic were helpful, they could not do a complicated surgery. I had to haul my wounded child back to our home in New York City.
It was a long, painful journey, that could not have helped his broken bones. I struggled to soothe him and my own nerves at the same time.
Once back in New York, my private insurance card (generously provided by my employer) opened doors to the best orthopedic hospital in America to my son. One way to describe my son’s hospital is 'chic'.
While I was grateful my boy was in good hands, I was guiltily aware that this is a hospital for the one-percenters
The Hospital for Special Surgery was founded in 1863 for orthopedic woes. It is the official hospital of the New York Mets, Knicks, Giants and Red Bulls. It is ranked number one in the entire country, and many of the doctors travel to the Olympics with athletes.
The care was phenomenal – the skill and training of the surgeons, the concern of the nurses, the level of attention. At the same time, while I was grateful my boy was in good hands, I was guiltily aware that this is a hospital for the one-percenters.
The website says it does treat Medicare patients, but there is often a co-pay – or co-payment, where you pay a fixed amount for a health service. I don’t think Medicare is going to pay the hundreds of thousands of dollars spinal or other specialised surgery requires.
Nursing my son at home, unfortunately, I had my own medical mishap. A severe headache left me paralysed. I could barely walk. Frightened I had contracted Covid-19, I made my way to the neighbourhood walk-in urgent care. The doctor there was worried about my level of pain so she sent me straight to the emergency room or ER of Lenox Hill Hospital, which happens to be across the street from where I live.
For two years, Lenox Hill has annoyed me. I have lived with the constant sound of ambulances in the middle of the night. I come out my front door to jostle with doctors and nurses in scrubs smoking on their breaks. The Dunkin Donuts next door is always overcrowded with the staff, as is the Pick-a-Bagel.
But now I was their patient.
Lenox Hill is a legend in Manhattan, a doyenne of medical facilities. Built in the late 1800s by German doctors, it was renamed Lenox Hill in 1918, during the Spanish Flu pandemic.
In 2020, it was at the frontline of the coronavirus pandemic, receiving the first Covid-19 patient on March 7, and at one point treating nearly 300. Refrigerated trucks were lined up outside for the dead, and it became the symbol of the courage of healthcare workers worldwide.
Netflix made a documentary (called Lenox Hill) that follows the lives of four doctors and their patients, and which aired in June. The day I arrived at Lenox Hill, they were down to only two Covid-19 patients.
But the Lenox Hill ER was a far cry from the spotless corridors of the hospital for special surgery. Waiting for my son to emerge from his five-hour-long procedure, I sat in plush chairs with plenty of ports to plug in my computer and iPhone. A TV blasted CNN. There was a spiritual centre (for Muslims, Christians, Jews) and a Starbucks nearby.
The emergency room was full so I spent most of the day on a stretcher in a narrow corridor next to the laundry bins. Doctors, nurses, technicians and laundry workers who passed gaped down at me. It was a few days after Labour Day – the traditional end of US summer holidays – and for some reason, the place was insanely busy.
Still, I got all the care and tests I needed: a CAT scan, an MRI, a chest X-ray, a Covid-19 test (negative). In between, I lay on my stretcher and watched a stream of Victor Hugo-esque characters hobble through the door: injured, inebriated, homeless, delirious, bloody and wounded.
“To me, the ER is the front line,” Dr Mirtha Macri told Netflix in the first episode of Lenox Hill. “We take whoever, whatever… if you’re uninsured, if you’re insured, if you’re a criminal, anything you are, we put it to the side, and we just treat you.”
They all came through the door the day I spent in ER. The doctors and nurses treated everyone equally, patched them up, sent them for X-rays or gave them a sandwich and a ginger ale.
I compared them to the surgeons and nurses I met earlier at the Hospital for Special Surgery. Obviously, my respect and gratitude for patching up my broken son was huge. But it was these emergency doctors and nurses who were heroes to me. They had gone through the fire and survived. They had treated Covid-19 patients from the first day the virus hit Manhattan and they were still here.
I found it hard to imagine the trauma they had undergone these past few months, deciding who would be intubated, seeing patients die and living under the constant fear they would also catch the virus. They worked double shifts, ate doughnuts instead of proper meals and attended to patients for long, endless nights.
When they had a few moments for me, I was struck at their resilience and patience. They called me “honey” and “dear”. They never lost their tempers.
“Aren’t you tired?” I asked one of the nurses, who had come from Philadelphia during the pandemic to devote his services. He had been in the ER when I arrived at 8am. He was still there at 9pm.
“I forgot what tired is,” he replied cheerfully.
I stumbled out of the ER at night after 10 hours in the laundry room, bleary from medication and the many tests. My headache was nearly gone. The streets were dark, the ambulances double parked.
At home, my son was at his desk, his bones healing.
Before I went to sleep, I turned out my lights and looked across the road at Lenox Hill. The lights were on and inside, all night long, a parade of committed people were working. It made me feel safe. It made me feel better.
Janine di Giovanni is a Senior Fellow at Yale’s Jackson Institute for Global Affairs. Her last book is “The Morning They Came For US: Dispatches from Syria.”
Volvo ES90 Specs
Engine: Electric single motor (96kW), twin motor (106kW) and twin motor performance (106kW)
Power: 333hp, 449hp, 680hp
Torque: 480Nm, 670Nm, 870Nm
On sale: Later in 2025 or early 2026, depending on region
Price: Exact regional pricing TBA
Company%20profile
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All%20The%20Light%20We%20Cannot%20See%20
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Russia's Muslim Heartlands
Dominic Rubin, Oxford
'Skin'
Dir: Guy Nattiv
Starring: Jamie Bell, Danielle McDonald, Bill Camp, Vera Farmiga
Rating: 3.5/5 stars
T20 World Cup Qualifier
October 18 – November 2
Opening fixtures
Friday, October 18
ICC Academy: 10am, Scotland v Singapore, 2.10pm, Netherlands v Kenya
Zayed Cricket Stadium: 2.10pm, Hong Kong v Ireland, 7.30pm, Oman v UAE
UAE squad
Ahmed Raza (captain), Rohan Mustafa, Ashfaq Ahmed, Rameez Shahzad, Darius D’Silva, Mohammed Usman, Mohammed Boota, Zawar Farid, Ghulam Shabber, Junaid Siddique, Sultan Ahmed, Imran Haider, Waheed Ahmed, Chirag Suri, Zahoor Khan
Players out: Mohammed Naveed, Shaiman Anwar, Qadeer Ahmed
Players in: Junaid Siddique, Darius D’Silva, Waheed Ahmed
German intelligence warnings
- 2002: "Hezbollah supporters feared becoming a target of security services because of the effects of [9/11] ... discussions on Hezbollah policy moved from mosques into smaller circles in private homes." Supporters in Germany: 800
- 2013: "Financial and logistical support from Germany for Hezbollah in Lebanon supports the armed struggle against Israel ... Hezbollah supporters in Germany hold back from actions that would gain publicity." Supporters in Germany: 950
- 2023: "It must be reckoned with that Hezbollah will continue to plan terrorist actions outside the Middle East against Israel or Israeli interests." Supporters in Germany: 1,250
Source: Federal Office for the Protection of the Constitution
Why it pays to compare
A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.
Route 1: bank transfer
The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.
Total cost: Dh567.25 - around 2.9 per cent of the total amount
Total received: €4,670.30
Route 2: online platform
The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.
Total cost: Dh74.10, around 0.4 per cent of the transaction
Total received: €4,756
The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.
more from Janine di Giovanni
Which honey takes your fancy?
Al Ghaf Honey
The Al Ghaf tree is a local desert tree which bears the harsh summers with drought and high temperatures. From the rich flowers, bees that pollinate this tree can produce delicious red colour honey in June and July each year
Sidr Honey
The Sidr tree is an evergreen tree with long and strong forked branches. The blossom from this tree is called Yabyab, which provides rich food for bees to produce honey in October and November. This honey is the most expensive, but tastiest
Samar Honey
The Samar tree trunk, leaves and blossom contains Barm which is the secret of healing. You can enjoy the best types of honey from this tree every year in May and June. It is an historical witness to the life of the Emirati nation which represents the harsh desert and mountain environments
SQUADS
India
Virat Kohli (captain), Rohit Sharma (vice-captain), Shikhar Dhawan, Ajinkya Rahane, Manish Pandey, Kedar Jadhav, Dinesh Karthik, Mahendra Singh Dhoni (wicketkeeper), Hardik Pandya, Axar Patel, Kuldeep Yadav, Yuzvendra Chahal, Jasprit Bumrah, Bhuvneshwar Kumar, Shardul Thakur
New Zealand
Kane Williamson (captain), Martin Guptill, Colin Munro, Ross Taylor, Tom Latham (wicketkeeper), Henry Nicholls, Ish Sodhi, George Worker, Glenn Phillips, Matt Henry, Colin de Grandhomme, Mitchell Santner, Tim Southee, Adam Milne, Trent Boult
Labour dispute
The insured employee may still file an ILOE claim even if a labour dispute is ongoing post termination, but the insurer may suspend or reject payment, until the courts resolve the dispute, especially if the reason for termination is contested. The outcome of the labour court proceedings can directly affect eligibility.
- Abdullah Ishnaneh, Partner, BSA Law
Read more about the coronavirus
Yemen's Bahais and the charges they often face
The Baha'i faith was made known in Yemen in the 19th century, first introduced by an Iranian man named Ali Muhammad Al Shirazi, considered the Herald of the Baha'i faith in 1844.
The Baha'i faith has had a growing number of followers in recent years despite persecution in Yemen and Iran.
Today, some 2,000 Baha'is reside in Yemen, according to Insaf.
"The 24 defendants represented by the House of Justice, which has intelligence outfits from the uS and the UK working to carry out an espionage scheme in Yemen under the guise of religion.. aimed to impant and found the Bahai sect on Yemeni soil by bringing foreign Bahais from abroad and homing them in Yemen," the charge sheet said.
Baha'Ullah, the founder of the Bahai faith, was exiled by the Ottoman Empire in 1868 from Iran to what is now Israel. Now, the Bahai faith's highest governing body, known as the Universal House of Justice, is based in the Israeli city of Haifa, which the Bahais turn towards during prayer.
The Houthis cite this as collective "evidence" of Bahai "links" to Israel - which the Houthis consider their enemy.
Director: Laxman Utekar
Cast: Vicky Kaushal, Akshaye Khanna, Diana Penty, Vineet Kumar Singh, Rashmika Mandanna
Rating: 1/5
Army of the Dead
Director: Zack Snyder
Stars: Dave Bautista, Ella Purnell, Omari Hardwick, Ana de la Reguera
Three stars
Electric scooters: some rules to remember
- Riders must be 14-years-old or over
- Wear a protective helmet
- Park the electric scooter in designated parking lots (if any)
- Do not leave electric scooter in locations that obstruct traffic or pedestrians
- Solo riders only, no passengers allowed
- Do not drive outside designated lanes
The specs
Engine: 2.0-litre 4cyl turbo
Power: 261hp at 5,500rpm
Torque: 405Nm at 1,750-3,500rpm
Transmission: 9-speed auto
Fuel consumption: 6.9L/100km
On sale: Now
Price: From Dh117,059
About Karol Nawrocki
• Supports military aid for Ukraine, unlike other eurosceptic leaders, but he will oppose its membership in western alliances.
• A nationalist, his campaign slogan was Poland First. "Let's help others, but let's take care of our own citizens first," he said on social media in April.
• Cultivates tough-guy image, posting videos of himself at shooting ranges and in boxing rings.
• Met Donald Trump at the White House and received his backing.
Company%20profile
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Key figures in the life of the fort
Sheikh Dhiyab bin Isa (ruled 1761-1793) Built Qasr Al Hosn as a watchtower to guard over the only freshwater well on Abu Dhabi island.
Sheikh Shakhbut bin Dhiyab (ruled 1793-1816) Expanded the tower into a small fort and transferred his ruling place of residence from Liwa Oasis to the fort on the island.
Sheikh Tahnoon bin Shakhbut (ruled 1818-1833) Expanded Qasr Al Hosn further as Abu Dhabi grew from a small village of palm huts to a town of more than 5,000 inhabitants.
Sheikh Khalifa bin Shakhbut (ruled 1833-1845) Repaired and fortified the fort.
Sheikh Saeed bin Tahnoon (ruled 1845-1855) Turned Qasr Al Hosn into a strong two-storied structure.
Sheikh Zayed bin Khalifa (ruled 1855-1909) Expanded Qasr Al Hosn further to reflect the emirate's increasing prominence.
Sheikh Shakhbut bin Sultan (ruled 1928-1966) Renovated and enlarged Qasr Al Hosn, adding a decorative arch and two new villas.
Sheikh Zayed bin Sultan (ruled 1966-2004) Moved the royal residence to Al Manhal palace and kept his diwan at Qasr Al Hosn.
Sources: Jayanti Maitra, www.adach.ae
How to wear a kandura
Dos
- Wear the right fabric for the right season and occasion
- Always ask for the dress code if you don’t know
- Wear a white kandura, white ghutra / shemagh (headwear) and black shoes for work
- Wear 100 per cent cotton under the kandura as most fabrics are polyester
Don’ts
- Wear hamdania for work, always wear a ghutra and agal
- Buy a kandura only based on how it feels; ask questions about the fabric and understand what you are buying
SUCCESSION%20SEASON%204%20EPISODE%201
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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
RESULTS
Bantamweight title:
Vinicius de Oliveira (BRA) bt Xavier Alaoui (MAR)
(KO round 2)
Catchweight 68kg:
Sean Soriano (USA) bt Noad Lahat (ISR)
(TKO round 1)
Middleweight:
Denis Tiuliulin (RUS) bt Juscelino Ferreira (BRA)
(TKO round 1)
Lightweight:
Anas Siraj Mounir (MAR) bt Joachim Tollefsen (DEN)
(Unanimous decision)
Catchweight 68kg:
Austin Arnett (USA) bt Daniel Vega (MEX)
(TKO round 3)
Lightweight:
Carrington Banks (USA) bt Marcio Andrade (BRA)
(Unanimous decision)
Catchweight 58kg:
Corinne Laframboise (CAN) bt Malin Hermansson (SWE)
(Submission round 2)
Bantamweight:
Jalal Al Daaja (CAN) bt Juares Dea (CMR)
(Split decision)
Middleweight:
Mohamad Osseili (LEB) bt Ivan Slynko (UKR)
(TKO round 1)
Featherweight:
Tarun Grigoryan (ARM) bt Islam Makhamadjanov (UZB)
(Unanimous decision)
Catchweight 54kg:
Mariagiovanna Vai (ITA) bt Daniella Shutov (ISR)
(Submission round 1)
Middleweight:
Joan Arastey (ESP) bt Omran Chaaban (LEB)
(Unanimous decision)
Welterweight:
Bruno Carvalho (POR) bt Souhil Tahiri (ALG)
(TKO)
Kandahar%20
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ARSENAL IN 1977
Feb 05 Arsenal 0-0 Sunderland
Feb 12 Manchester City 1-0 Arsenal
Feb 15 Middlesbrough 3-0 Arsenal
Feb 19 Arsenal 2-3 West Ham
Feb 26 Middlesbrough 4-1 Arsenal (FA Cup)
Mar 01 Everton 2-1 Arsenal
Mar 05 Arsenal 1-4 ipswich
March 08 Arsenal 1-2 West Brom
Mar 12 QPR 2-1 Arsenal
Mar 23 Stoke 1-1 Arsenal
Apr 02 Arsenal 3-0 Leicester
What is a Ponzi scheme?
A fraudulent investment operation where the scammer provides fake reports and generates returns for old investors through money paid by new investors, rather than through ligitimate business activities.