#EVEN THOUGH IT'S LISTED ON THEIR WEBSITE AND MY INSURANCE WEBSITE INDICATES THAT THEY DO

[suresne]

ripping hair out, screaming, crying, etc.

[loveroftoomanyfandoms]

Sweet on You, Chapter 1

Pairing: Matt Murdock x F!Reader

Rating: M (Rating Subject to Change)

Story Summary: You had joined 'Sugar and Spice' in a desperate attempt to help your mother with her medical bills, so when an opportunity comes along to make a lot of money simply by spending time with a lonely attorney, you jump at the chance -- not expecting to fall for him in the process.

Tired of one-night-stands, Matt Murdock decides to sign up for a sugar daddy/sugar baby website, where he stumbles across your profile. However, despite making it clear that he only wants a platonic arrangement, Matt eventually finds himself falling for you.

Will the two of you be able to come to a permanent arrangement or will more than a contract be broken?

Warnings/Tags: Sugar Daddy!Matt Murdock, No Age Gap, Alternating PoV, No Use of Y/N

Word Count: ~1100

A/N: Thank you to everyone who liked and reblogged the teaser! A few notes before we dive in:

-- While Reader's age is not actually specified in this, it's stated several times that she's closer to Matt's age than most women on the 'Sugar and Spice' website.

-- Matt & Reader do not actually refer to each other as their sugar baby/sugar daddy (although for all intents and purposes, that's what they are).

-- Divider is by the insanely talented (and just as awesome IRL as she is on Tumblr) @theradioactivespidergwen!

-- This is rated M for now, however rating may possibly go up in later chapters. 😈

-- If you'd like to be added to the taglist or if I've tagged you by mistake, please let me know!

Tag List: @danzer8705 @capylore @shouldbestudying41 @atemydadforbreakfast

No, it's fine, Mom, I promise,” you said as you spoke to your mother over the phone. “It's not your fault you got laid off and lost your medical insurance right before you got sick.”

“It's not your responsibility to pay my medical bills, sweetheart,” your mother protested. “I'll come up with the money somehow.”

You shook your head even though you knew your mother couldn't see you. “You’ve sacrificed so much for me, Mom. Let me do this for you.”

Your mother sighed. “Okay, fine. But only because you just got that big raise at work.”

You cleared your throat awkwardly. “Uh, yeah. Lucky me. Listen, Mom, I have to go, but I'll call you tomorrow, okay?”

“Okay. Love you, sweetie.”

“Love you too. Bye.”

You hung up and blew out a breath. You knew your mother wouldn't approve if you told her the real way you had been affording to make payments towards her medical debt for the past several months. 

The truth was that your job as an administrative assistant barely even covered your own bills, so you had been supplementing your income through alternative means.

You had joined Sugar and Spice after one of the junior admin assistants had confided in you that she had managed to put herself through college by dating rich older men for money. “It's actually not a bad gig,” she had told you. “Most of them really just want arm candy to show off to their friends.”

You had gone home that night and checked out the website, and after discovering that you could select your comfort level/how far you were willing to go (by indicating that you were into either ‘sugar’ or ‘spice’) you had signed up.

It had been working out okay -- you had only been making a few hundred dollars extra a month so far because most of the men on Sugar and Spice wanted someone much younger than you were, but you had at least been able to scrape together enough to make the monthly payments on your mother's medical bills.

And speaking of…

You grabbed your laptop and pulled it over to you, then navigated to your Sugar and Spice account, pleased when you saw that you had gotten a new inquiry.

You clicked on it.

Hi, the message read, I ran across your profile and I think you might be what I'm looking for. If you're interested and available please message me back at your earliest convenience. Thank you.

You huffed out a laugh. Usually the messages you received weren't quite so… polite, so to speak.

You clicked on the sender's profile.

Matthew, 35

Occupation: Attorney 

Interested in: Sugar

Huh. Matthew was a lot younger than most of the men who frequented the site. Maybe that'll be a good thing.

You clicked the reply button. Hi, Matthew, you typed. I am available if you'd like to discuss things further.

You got up to fix yourself some tea, and by the time you came back you had another message from Matthew. Great! Is it okay if we meet in person to discuss possible terms of an agreement? Over coffee, maybe?

Okay, you replied once again. When and where would you like to meet?

The Brew Towers on Saturday, say, 9 AM?

That works for me.

Your eyebrows raised as a notification popped up stating that you had received $100 from Matthew.

As a sign of good faith , Matthew explained. See you Saturday.

See you Saturday.

You logged out and closed your laptop, butterflies fluttering in your stomach. This was the first time you'd be meeting a potential client in person and needless to say, you were nervous.

Matt sat back and took another sip of the glass of whiskey he had poured himself before he had signed up on Sugar and Spice. He had been in court earlier that day and had overheard a conversation during recess between opposing counsel about Nesbit’s much-younger girlfriend.

“How'd an old dog like you manage to score a hot piece of ass like that?” Peterson had asked jokingly.

Nesbit had chuckled. “You'd be amazed at what you can find on the internet these days. Let's just say Candy and I have a… business arrangement.”

Peterson had dropped his voice down to a whisper. “She's not an escort, is she? You know the partners don't want wind of any kind of impropriety possibly getting out to the public--”

Nesbit had made a dismissive sound. “No, nothing like that. You ever heard of Sugar and Spice, that website that connects men of a certain wealth and caliber with women who are looking for someone to take care of them? Well, Candy and I met there. She takes care of my needs, and I take care of hers.”

“So, what, you pay her to date you?”

“In a way. I keep her happy by giving her money and buying her things, and she lets me do whatever else I want when I'm not with her.”

Matt's eyebrows had furrowed. Maybe Nesbit had a point -- maybe it was easier to have a business arrangement with someone in order to fill the romantic void in his life rather than having to pick up a different woman every couple of weeks because they got too attached. Better to have someone who knows exactly what they're getting into.

As soon as he had gotten home he had looked up Sugar and Spice, and not finding anything in their terms and conditions that raised red flags, had signed up and began to browse through profiles.

After scrolling through profiles for over an hour and not finding anyone that piqued his interest he had almost gone ahead and given up when his voiceover function read out another profile header to him, this time for a woman who was at least closer to Matt's own age than all of the other women he had checked out. 

He had listened to your profile then clicked the “Send Message” button, typing out a quick message and hitting send.

He had gone to answer the door for a delivery, and by the time he had gotten back to his laptop he’d had a reply.

Before he could second-guess himself Matt had asked you out for coffee, then sent $100 to your Sugar and Spice account to show you he was sincere.

He shut his laptop and stood, then headed to go shower and get ready to go out as Daredevil. He'd gotten a tip about a major drug shipment coming in through the docks that evening and needed to go stop it.

He'd worry about his love life later.

[beyondthetemples-ooc]

...so, uhh.

Turns out I might still qualify for medicaid? (You know: free health insurance?)

Even though I’m actually making Halfway Decent Money now, and I’m over the monthly limit, thanks to the nature of working for temp agencies and having time when I wasn’t being paid at all, I’m still not making over $21k this year. (18k at most.)

Next year miiight be a different story, but if I can eek out one more year of Medicaid, that will be a huge relief, let me save up for moving out and a car, and generally just. Save me loads of stress right now.

My employer does offer health insurance, but it’s not technically considered the “affordable health insurance” that would disqualify me from Medicaid. (Apparently, “affordable” is defined as “less than 10% of the household income”. Which. you know. $600 is MORE THAN 25% of my income. Definitely NOT less than 10%! So my employer’s health insurance isn’t affordable at all.)

I also found out that even if/when I don’t qualify for Medicaid anymore, I’ll still qualify for a subsidy, and also something that... I think eHealth called it a “cost sharing plan”? Which seems to cost a TON less than regular plans, even factoring in the subsidy. For a low deductible, copay, and script costs too.

Plus, I found a website that will tell me if my current doctors are in the network for the plans! (Which is super incredibly important to me, because all but ONE doctor have tried to take me off the one and only singular sole medication that actually WORKS for my stomach. Because of potentially permanent side-effects-- not even really SERIOUS side-effects, just like... Involuntary Twitching. Which I’m not having at all, even at the higher dose. I keep telling them “”I’d rather risk getting twitchy than v*ing every single time I try to eat or drink”, but they rarely listen. Even my gastroenterologist wants me off it because “there’s no medical reason for you to take it”. Because they haven’t run a test yet that indicated something is wrong. Apparently becoming so ill I lost 25 pounds, literally couldn’t stand without passing out, and started planning my suicide isn’t medical reason enough... My psychiatrist is the only one that’s okay with me taking it, and if I lose her advocacy, I’ll lose the medication, and then I don’t know what I’ll do. Get really terribly deathly ill and wind up hospitalized again, I guess.)

Though to be fair, it was the hospital psychiatrists that put me on it in the first place, so maybe they’d put me back on... {lP

I have a spreadsheet with all the costs and coverage of a ton of different plans listed, and I’m meeting up with my mother tonight to talk about how it works and what all these numbers actually mean.

So what I’m saying is, I’m already getting this figured out, just have to hope to hell that things hold out until next year.

[plasticsurgeoncyprus3-blog]

Plastic surgery and choosing a Plastic Surgeon

Plastic Surgeon Cyprus

Precisely what is Plastic surgery?

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Plastic Surgeon Cyprus

Plastic surgery can assist make improvements to the best way you appear and enrich your first features. Regardless if you are searching to acquire plastic surgery as a consequence of start flaws or for personal motives, the results can increase your self-worth, create your self esteem and provide you having an solely distinct outlook on everyday living. You will discover quite a few options that may make improvements to your lifetime and correct disfigurements or boost your appearance. A lot of the more typically well-liked cosmetic surgery processes are Breast Augmentation, Abdominoplasty (Tummy Tuck), Liposuction for Entire body Lifts, Arm Lifts, and many others., facial surgeries for instance Confront Lifts and Rhinoplasty, in addition as nonsurgical methods like Botox injections.

Also many of the newer systems are allowing us to complete intricate woman surgical procedures such as correcting vaginal rest applying Laser Vaginal Rejuvenation strategies. This was commonly a surgical procedure only offered as a result of regular solutions till recently. By using laser technological innovation and laser surgical strategies, a plastic surgeon experienced and certified in these techniques can get rid of the pitfalls inherent with invasive traditional surgical procedures, meaning less blood loss as lasers are self-cauterizing, considerably less risk of infection and troubles, nearly no clinic time and much a lot quicker restoration periods.

Deciding on A Plastic or Beauty Surgeon

Listed here are a few questions to assist you opt for a high quality plastic or beauty surgeon.

1. Will you be Board Accredited by the American Board of Plastic Surgeons?

This should be the quite initial dilemma you ask. There is certainly much community confusion about certification and there are various certifications readily available, by way of example, state certification. Nevertheless, to ensure you are getting the highest experienced plastic surgeon available, certification with the American Board of Plastic Surgeons is definitely the designation you will be trying to find. They are the only real board for example, that can certify in equally plastic and reconstructive operation.

2. Discover who'll be assisting your plastic surgeon all through your course of action:

There are actually lots of people required like a assistance team to your surgical treatment to go easily and restrict the possibilities of any difficulties. Ordinarily, your assist staff will involve skilled nursing staff, an anesthesiologist, recovery place nursing workers, and some other professionals or assistance essential for your unique method. Uncover what and who they are as well as their qualifications.

3. In which will my surgical treatment be done?

While some plastic surgery treatments could be done inside the beauty surgeon's place of work, most need hospitalization or possibly a surgical care center. Be sure and request with regard to the amenities exactly where you will be possessing surgical treatment and when those people amenities are accredited or certified through the correct companies.

4. Exactly what are the potential dangers or negative effects of my plastic surgery course of action?

Each individual surgical procedure carries the possible of chance, for example excessive blood loss, infection, or other troubles which might be unexpected or which will take place. Even though extremely rare with contemporary day plastic surgery techniques, they might occur, and once they come about it can indicate you involve further medical procedures which will spot an additional money risk or load on you. Figure out what these pitfalls are. Dr. Vu, as an illustration, could be the only Portland plastic surgeon that's been accepted by CosmetAssure. CosmetAssure is essentially complications insurance, and gives Dr. Vu's clients using an supplemental layer of monetary security should really that rare complication take place. A cosmetic surgeon authorised for CosmetAssure carries the best credentials, a spotless surgical report and possesses the very best surgical techniques.

5. Just how long would be the Restoration Time for my treatment?

Find out, each individual method may differ, but being aware of forward of your time may help you intend for day without work perform or arrange for any extra house company assist you may have.

seven. Which kind of Anesthesia must you pick?

Anesthesia is often one on the more substantial threats of any type of surgery and you will find in essence three kinds. A neighborhood anesthesia which can be pretty reduced hazard and mostly only employed throughout lower possibility, minimal invasive business office strategies, an IV sedation, generally known as "twilight sleep" and standard anesthesia. The choice is often left as much as the affected individual for your latter 2, however, you require to understand the hazards involved with every single, along with the cosmetic surgeon could make a recommendation for you dependent on any supplemental individual challenges you have got, such as cigarette smoking, medications you happen to be at the moment using, and so forth. Make certain and canopy this subject totally.

8. What do past sufferers really have to say relating to this specific plastic surgeon?

The speediest technique to understand about a plastic surgeon is by status, as well as the matter that builds (or ruins) a plastic surgeon's status quicker than anything at all may be the testimonials or recommendations from existing clients. Your cosmetic surgeon should either have a fantastic sampling of testimonials on their own website, or manage to exhibit them to you personally should you inquire. Should the plastic surgeon you are contemplating employing hasn't been given cards and letters of thanks, odds do you think you're would not be sending them a single both. If in any respect attainable, figure out if prior individuals are joyful with their surgical procedure final results, along with the temperament on the attending plastic surgeon on their own.

I hope you may have discovered this info on cosmetic surgery handy.

[deadmomjokes]

Normal Anon Again 1: Your response was great, don't worry about a thing there. I just really feel stuck because Im still with my emotionally abusive family, and so I had to sneak to even see a doctor. I honestly felt like the doctor barely ever heard me at all, so even though she did prescribe an SSRI (not that she said what brand), I'm kind of scared to continue treatment with her. Because I made the notebook with a lot of care, she said I had OCD and did bring it up again later when I

had refuted it and tried to explain the notebook was just something I wanted to be well done for her. She didn't ever look at it either, so she based it off me buying little tabs and labeling them for ease of access and writing my name on the front I guess? I don't have a lot of money, as I don't have a job, and getting a job is the main reason I want to try medication... I basically have to move out by 2020 from my family, both by their desires and mine, so I'm on acrazy deadline to try to get my life together and I feel like I have no time to find someone new if I'm going to be looking to move away when all the apartments are renting. So it feels like if I want to try medication this is my one chance, but I don't feel like I can trust the doctor handling them. I don't know if I should just try to find a way to make my life work out for a couple months or give the medication a shot even though I don't trust the provider...I've got to worry about getting a job this month or being homeless too, which is why it feels so one or the other for my current situation. Thank you so much for all your feedback, sorry if this was a little messy being explained, I'm a bit frazzled yet, haha.

Oh man, I’m SO very sorry for everything you’re going through! You’re dealing with a ton, and this incident with Dr Garbage certainly didn’t help.

One thing that may be a possibility is going to a normal doctor, like a family medicine doc or general practitioner, and talking to them about your anxiety/depression problems. They can also prescribe psych medication, and it might be easier to pass off around your family and/or to find once you move, since a lot of offices partner or have networks that you can just transfer through. Anyone from a Nurse Practitioner to a PhD in general medicine can prescribe meds like an SSRI or even low-level mood stabilizers. (For my recently upped dosage, I went to a PA-C and they consulted with the folks at my obgyn, so I never even saw a psychiatrist. Tho I’m trying to get in with one anyway, but that’s way beside the point.)

I definitely understand you being unable to trust the current provider; she clearly didn’t hear you or take everything (anything?) into account. Anyone who comes to you from an emotionally abusive situation should warrant a ton of follow-up questions and in-depth probing. Even beyond that, just in general, taking stock of all the symptoms and reviewing any identified triggers is going to go a long way toward real diagnosis. Your notebook should have made her job a breeze, instead of her having to pick through your anecdotes of what happens when, she could just look at your notes! You were doing everything right; a therapist’s dream, honestly. I’ve been in therapy for years and I’m still not that good at keeping tabs on my own symptoms and patterns. I’m enraged on your behalf, because when someone comes to you for help you should reach back out to them, not be prescriptivist even if you’re dealing with prescriptions.

If medication is something you’ve been considering for a while, and feel like it might be a good fit for you, it may be worth trying the current prescription even though the current doctor is garbage, since SSRIs are usually the first try medications anyway. But that always comes with risks, because sometimes the first try doesn’t really work out for you or your specific situation. But SSRIs as a category are pretty safe, and are used for anxiety disorders (including panic disorder and generalized anxiety), ptsd, depression, and ocd as well. So chances are even if you found a psych who did their job well (aka not labeling you ocd for being prepared), they were going to land on an SSRI as a first try, too. That definitely doesn’t make it an easy decision, tho. That nagging fear may always be with you if you try it anyway despite not really trusting her diagnosis, and that could add a layer of complexity to deciding whether the medicine is right for you. Especially if you end up needing to switch medication or dosage, having a doctor you trust from the outset is going to be important.

I obviously cannot tell you what to do, nor do I want to, or even think I should if I could, because personal situations are just that--personal. I would only caution that if you’re already having difficulty getting or doing a job without medical assistance (ie medication), that trying it under serious stress for a few months may do more harm than good as far as worsening your difficulties, or causing new ones. However, sometimes we aren’t in the position to make the “best” decision for our health because living takes precedence; I’ve taken plenty of jobs that wrecked my mind and body and I kept them anyway because I absolutely had to. So I’m not going to get on a high horse because I know exactly how hard it is, and the difficult decisions you have to make in order to survive. I’m just so very sorry you are in that position to make such a decision.

If you do decide to try the medication anyway, some tips on kind of “going it alone” since you won’t be able to/won’t want to go back to the original doctor:

Start at a lower dose than the full final dosage. If she didn’t prescribe a “titration” schedule, starting at half dose for a week is a good place to begin.

Understand that things might get worse before they get better. You might have horrible mood swings, really bad depressive days, or bad anxiety spells before you start seeing the true effects. This isn’t indicative of whether the medicine is going to work eventually, but if it becomes too much for you to deal with, you should stop anyway.

Side effects may come and go. Just worth noting.

If possible, have someone close to you who knows that you’re starting this medicine. Obviously not a family member given your situation, but if you have a friend or anyone you do trust in your immediate vicinity, or even a friend you communicate with long-distance, make sure someone knows. That way you have someone to report in to and who can check up on you as you adjust.

Start by taking them with food, even if it doesn’t have a nausea warning. I’d suggest evening meal or soon thereafter, because SSRIs often cause drowsiness at first (great for helping with insomnia tho!).

You’re probably going to have a full month or two before it reaches its peak effect, since this is your first time trying them. You might see some relief right away, but full efficacy takes time as it builds up in your system. If you can tolerate the side effects (or don’t have any), and you’re able to deal with the mood swings or psychiatric effects, stick with it at least 6 weeks.

Listen to that “don’t drive or operate machinery” warning. First-time-medication drowsiness is a special breed that sneaks up on you and also makes you feel WEIRD.

You can also see about filling the prescription and then researching the name on the label before you decide whether or not to take it. Or, if you have an online account with the pharmacy, as with CVS, you can see the name of the drug there, or even call the pharmacy she sent it to and ask them what the name of it was (”for insurance purposes” or “because I forgot which one it was”) and then research it on sites like Mayo Clinic and rxlist.com (don’t do webmd). These websites include lists of what it’s approved to treat, so if you’re fairly certain you actually have anxiety/depression, look for that on the list. Just know that all websites are essentially required to remind you that an SSRI (really any antidepressant or mood stabilizer) could worsen any suicidal thoughts or behaviors, though this is mostly a risk for the 24 and under crowd with emphasis on teenagers. And it doesn’t happen to everyone.

Should you decide not to do the medicine right now because of the doctor who prescribed it, I applaud you for your bravery and strength in facing both your uncertain future and your mental/emotional difficulties without the assistance you feel you need. That’s a hard, hard thing to do, and I wish it wasn’t a choice you had to make.

I’ll be sending good vibes, thoughts, and prayers your way as you’re dealing with so many transitions and difficulties. I know cyber hugs are kind of a dated internetism, and may not mean much, but I give you all the cyber hugs my cyber arms can muster.

[youinmyhoodnowson]

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[revpauljbern]

Governor Cuomo, the Abortion Debate, and Progressive Christianity

What Does The Bible Tell Us About Abortion?

by Minister Paul J. Bern

For a website view, click here :-)

Without a doubt, this week's commentary is inspired by what transpired this past week in the state of New York, where the abortion law has been amended to legalize abortion right up until the point of birth. The law expands the state’s already liberal abortion laws to allow late-term abortions when “the patient is within 24 weeks from the commencement of pregnancy, or there is an absence of fetal viability, or the abortion is necessary to protect the patient’s life or health.”   I offer this quote from the Philadelphia Inquirer as further explanation: “The law passed this week makes it impossible for the government to prevent a woman from choosing an abortion during the first six months. The state cannot step in to stop her. This could be catastrophic. Imagine if women in America could wait up to six months to choose to abort their babies for issues.... less devastating than Down syndrome. What if a woman chose to abort because she wanted a boy instead of a girl? That’s feasible under Cuomo’s law.”

The article continues: “The law also legalizes abortion up to the moment of birth if the mother’s life is in danger. In short: The law values the life of the mother more than the life of the child.” As this was being signed into law by governor Andrew Cuomo, the governor stated he “was opposed to abortion personally, but would not deprive others of that 'right.'” By the way, Andrew Cuomo is a Catholic. The Catholic church is by and large opposed to abortion, but usually for the wrong reasons. A prevented abortion becomes a new Catholic convert. That means more members, more robust Sunday collections during mass, and more priests and nuns for the Vatican to recruit.

Many people presume that a human being is created at the time of conception, but this belief is not supported medically or by the Bible. The fact that a living sperm penetrates a living ovum resulting in the formation of a living fetus does not mean that the fetus is a living human being, or at least not immediately. According to the Bible, a fetus is not a living person with a soul until after drawing its first breath. Allow me to explain the results of my research on this very touchy subject as delicately as possible.

First of all, God formed man according to Genesis 2:7, which says, “... the Lord formed man from the dust of the ground and breathed into his nostrils the breath of life, and man became a living being”. Although the man was fully formed by God in all respects, he was not a living being until after God put breath into him. In Job 33:4, it states: “The spirit of God has made me, and the breath of the Almighty gives me life.” We were all formed prior to our birth, but we weren't living beings until God breathed life unto us. Again, to quote Ezekiel 37 verses 5 and 6, “This is what the Sovereign Lord says to these bones: 'I will make breath to enter you, and you will come to life. I will attach tendons to you, and make flesh to come upon you and cover you with skin; and put breath in you, and you will come to life. Then you will know that I am the Lord'.”

The Bible also spells out the appropriate level of punishment for those who would dare to hurt the unborn. In Exodus 21:22 it is written: “If men who are fighting hit a pregnant woman and she gives birth prematurely but there is no serious injury, the offender must be fined whatever the woman's husband demands and the court allows. But if there is serious injury, you are to take life for life, eye for eye, tooth for tooth, hand for hand, foot for foot, burn for burn, wound for wound, and bruise for bruise”. It should be quite clear from this that the aborted fetus is not considered a living human being since the resulting punishment for the abortion is nothing more than a fine; it is not classified by the Bible as a capital offense under these circumstances unless the baby, its mother, or both are intentionally harmed or killed.

It is further stated in 1st Corinthians chapter 3 verse 16, “Don't you know that you yourselves are God's temple and God's Spirit lives in you?” We are only alive in Christ when we die to ourselves. An unborn fetus lives within the womb, but is not yet a human being until it draws its first breath. Can God live within the unborn baby? Well, the Bible does say, “All things are possible with God”, that is true and I believe it wholeheartedly. But as I have already pointed out, the Bible is absolutely clear that a baby is not a human being until it draws its first breath, so that question is actually besides the point. The physical body of the unborn fetus is surely there, but as before, that body isn't breathing yet.

Destroying a living fetus does not equate to killing a grown, living human being even though the fetus definitely has the potential of becoming a human being. One can not kill something that has not been born or taken a breath. This means that a stillborn would not be considered a human being either. Of course, every living sperm has the potential of becoming a human being although not even one in a million will make it; the rest are aborted. It would appear that God does not have any more regard for the loss of a sperm than he does for the loss of a placenta, or of a foreskin during circumcision, despite the fact that these were living tissue as the result of conception.

Now let's take this to the next level, which has to do with being born again in the Spirit. When Jesus taught Nicodemus about being born again he said, “I tell you the truth, no one can enter the kingdom of God unless he is born of the water and of the Spirit. Flesh gives birth to flesh, and spirit gives birth to Spirit. You should not be surprised at my saying, 'you must be born again'. The wind blows wherever it pleases. You hear its sound, but you cannot tell where it comes from or where it is going. So it is with everyone born of the Spirit.” (John chapter 3, verses 5-8)

Flesh gives birth to flesh, and spirit to Spirit. Being born of the water is a reference to childbirth first and to water baptism secondly. Being born of the Spirit of Christ refers to the baptism of the Holy Spirit. Plus, when we read our Bible, it says quite clearly in Galatians chapter two and verse 20, “I have been crucified with Christ and I no longer live, but Christ lives in me”. If the apostle Paul has been crucified with Jesus and died with him, then we are charged with the duty of being followers of Jesus right up to the very end as well. This is what being born again actually means.

In a number of versions of the Bible, one of the commandments in Exodus 20 that was spoken by God to Moses states: “You shall not kill”. According to the Mosaic text, this should read “You must not murder”, since the Bible has commandments stating that people shall be put to death for a number of different offenses. Exodus 21:17 states: “Whoever curses his father or mother shall be put to death.” There are also other capital offenses listed in Exodus 21. The popular ten commandments (in the original text there are over 600 of them) that are enumerated in Exodus 20 were given by God to Moses on tablets of stone. Verse 13 simply says, “You shall not murder”. That sums it up very nicely, I think. There is nothing in the Bible to indicate that a fetus is considered to be anything other than living tissue and, according to Scripture, it does not become a living being until after it has taken its first breath. Meaning, abortion is not necessarily murder.

Those who say, "If you're a Christian, you have to be against abortion, support our troops no matter what their mission, and therefore you must also vote conservative Republican," are simply reciting talking points from false teachers. There are a disturbing number of these people who have infiltrated the Church who are doing this very thing. Many cite the scripture found in Jeremiah 1:5, "Before I formed you in the womb I knew you, before you were born I set you apart; I appointed you as a prophet to the nations." God is omnipotent. He has known all of us since before creation. In Numbers 5 describes "the Lord" ordering an abortion. It's clearly stated in verse 22, "May this water that brings a curse enter your body so that your abdomen swells or your womb miscarries." Many argue that this is a misinterpretation, but I'm not so sure about that. It is better to err on the side of caution with regard to the Lord than not. Before false teachers turned the issue of reproductive choice into a political football, views on this matter were far less extreme.

Does this mean I am pro-life or pro-choice? Sorry, but I will not allow anyone to label and compartmentalize me like that. In many cases, I think that if the mother does not want the baby then she should put the child up for adoption. On that topic, why do women get pregnant in the first place? Often it's due to lack of access to birth control. The cure is national health insurance, such as Medicare for all which would include access to prescription drugs at minimal cost. You know, like birth control pills or other contraceptives?

In cases where abortion is necessary, such as when the baby is already dead before birth, in cases of rape or incest, or when the mother's life is in jeopardy, in those events an abortion should be performed by qualified medical personnel or under a doctor's direct supervision. But those are the only exceptions. In the end, if abortion was such a grievous sin Jesus would have mentioned it. He never did. While I am personally against abortion, I do not presume to tell women what they can or cannot do to or with their bodies. Enough said!

[gordonthompsonposts]

AZ MVD Issues Insurance Suspension Notices in Error

Arizona MVD has been plagued by wide-scale errors for the last several years since the Department migrated to a new computer system.  The latest problem as reported by ABC15.com for Arizona drivers are notices titled “Action Required Insurance Suspension”, in many cases sent out in error to people who are in fact lawfully insured.  The notices specify the Department’s intent to suspend the person’s vehicle registration as their records do not indicate insurance coverage for the listed vehicle, and goes on to state the person has 15 days to get or provide proof of insurance or receive a license suspension and payment of a $50 reinstatement fee. 

The actions to take include:

1.  If you can provide proof of insurance in effect prior to the date of the notice within 15 days, complete the Insurance Update and Vehicle Reinstatement application on AZ MVD Now.

2.  If the vehicle has been sold, transferred, or its lease has ended complete a Sold Notice on AZ MVD Now.

3. If the vehicle is not being driven or is inoperable complete a De-Insurance Certificate application on AZ MVD Now.

4.  If you did not have insurance in effect on the date of the notice you must then obtain it, and still must complete the Insurance Update and Vehicle Reinstatement application on AZ MVD Now.  It is unclear from the notice whether this will still require payment of the $50 suspension reinstatement fee.

If you have received a notice like this and do have current insurance, your first step should be to call your insurance company and verify there is no problem with your coverage.  Ask them to electronically transmit proof of insurance to ADOT.  However, unlike in the past, allegedly MVD customer service may not clear these matters up directly.  Insurance representatives are required to submit proof of insurance electronically, or proof of insurance can be submitted by the customer on AZ MVD Now.  The news story details how the area where you can upload this information is difficult to find for AZ MVD Now users, which may be because it is not located under “Registration”, and none of the displayed sub-headings under any Tab says “upload”.

Even before this difficulty, however, is the hurdle of creating an AZ MVD Now account if you do not already have one.  If you do not want one or do not have a computer, internet service, and a cell phone you will have to visit your local MVD station.

Signing up for an AZ MVD Now Account:

Below is the link where you can sign up for an AZ MVD Now account and a short 4-minute how-to video. You must have access to the email address and cell phone you'll use for registration as they will send you confirmation codes.  PLEASE BE AWARE, you do NOT have to choose any facial recognition if you don't want to: https://azmvdnow.gov/

Uploading Proof of Insurance to AZ MVD Now Account:

Once logged into AZ MVD Now, there are a few ways to navigate to the area where you can upload proof of insurance to MVD including:

1.  From the body of the Main Page, find the “Insurance” subheading, click the sub header “Manage Insurance”, then click “Upload Insurance”;

2.  From the top of the Main Page, navigate to the “Other Services” Tab, click the sub header “Manage Insurance”, then click “Upload Insurance”.

If you have already received a similar notice and paid the $50 reinstatement fee even though you did have current insurance on the date of the notice, you may be able to request a refund on AZ MVD Now by navigating to “My Account”, “Refund”, and clicking “New Refund Request”.

Gordon Thompson

For more information about Arizona DUI and criminal law issues please contact Gordon Thompson who has used his experience to write a blog on topics of interest. You can also chat with Gordon about your specific questions.

Website:  https://www.GordonThompsonAttorney.net

Blog:  https://www.GordonThompsonAttorney.net/blog/

[myasthmajourney]

Traditional Japanese Doctors--ugh

Thought I would share what a visit is like with my doctor.  This is kind of typical, especially when we are concerned about something or want a change/adjustment/whatever.  If we just come in, check in, get out and get our meds, we have no real issue.

I want to preface this by saying that this doctor came with very good reviews.  He is one of the top pulmonary/lung specialists for asthma in all of Japan.  He has given lectures, taught most other doctors, lots of books, awards, etc etc.  I am guessing he is around 50-60 years of age, his son also has a practice (I think).  My husband didn't choose this guy lightly.  He is also the only nearest practitioner for...well, miles.  The next one is about a 2 hour drive--ONE way.  To be on insurance, we have to go as often as the doctor feels is necessary, or every month for refill reasons or something like (I am a little uncertain of the details).  There is a large hospital in the big city a little closer that calls in specialists from the prefecture--but that means we have a good chance of running into him again.  Talk about embarrassing.  If we go somewhere else, we burn a bridge--and I am not willing to do that just yet.  We may still seek a second opinion just for the second opinion, though.  Japan is also really weird on the hierarchy thing within the medical system, and there is a very tight in-bed going on between insurance, pharmacy and the doctors.  AS you can see, this is very complex.  So there is a little background.  Been going to this guy for about five years now, I think.

Okay, so I go in yesterday feeling not so hot.  My peak flow was around 570--a good number for me--but I was feeling.  Something.  My breathing was slow, but shallow.  Inhale was less than exhale, but the exhale was pretty long.  Extending the exhale or shallowing my breath didn't help, but I got some relief from my reliever.  So I let the doctor know that I wasn't feeling to good.  Then, I decided to ask, in my broken Japanese, why I can have asthmatic symptoms even though my peak flow was good.  I also asked him about why I can wake up feeling like I run a marathon or did hard exercise in the middle of the night.

Now, I know the answers to these.  Between a good book, lots of online articles, and forums like this website, I know that the former is due to small airways acting up while larger ones are still okay.  I took choir and singing for years--my breath control is awesome, even if my lung functions are lacking.  I also know that the sleeping thing is basically me having a flare in the middle of the night and sleeping through it.  But I wanted to see what the doctor said.  I guess you could call it a small test.  I also tried to make this clear that I have noticed this for YEARS, not just recently.  I think that got lost in translation.

For the former, about high peak flow but options--he did this...hmm, good question thing.  He didn't have an answer.  He took out the SpO2 device to check my oxygen.  On my device at home, I usually stick at 98 and occasionally dip to 97.  I almost never go to 99.  There is a 1 point difference between the doctor and mind.  His says 99 for my 98.  Today, it said 100--so he said hyperventilation.  For both questions. ::insert eye roll here::

I know that arguing won't do anything, but I tried to let him know that I really don't have any hyperventilation feelings.  It is *different*.  My breath may be shallow, but it is really really slow.  No headache, no tingling--and my breath only quickens when I do stuff.  I wanted to explain in more detail, but that was the best I could do.

So he says, okay--we how about we do a spirometer and pulmonary test.  Yay.  I don't know how to explain all the tests.  Basically, the first is some kind of breath control (something I have always done pretty easily).  You blow in and maintain your breath so that the marker is in the green zone.  There was another inhale/exhale test.  Then I put my mouth around this device that did a weird pulsing.  That always feels weird, I hate it.  Then I did some more in and out breaths.  These had a up-down graph (up for inhale, down for exhale) and a spiral.  I did notice that on this one, there was a number up in the right hand corner that--i think--said temperature.  The number was something like 29--well, over 20 and under 30--this will be important in a minute.  Anyway, needless to say, doing the test was rough.  I had to take a LOT of breaks, and I coughed horrible after we finished (and a few times between takes during this final bit).  then I got a breathing medicine thing. Not sure what it is--you hold this little glass vial and inhale a kind of steam.  This stuff usually helps a lot.

In we go.  The doctor says that my lung functions have improved greatly over the last year!  Yay!  Well, I am hesitant.  I really want him to do this in the winter, when I am really bad.  But I didn't say anything at this time.  I think he said the other tests indicated a slight hyperventilation  And then--

Now this is where that temperature thing is important.  He looked at that number and basically was like--wow, something IS going on here.  This is too high.  It is usually only like that when there is some allergen irritating the lungs.  So he explains that I am basically sitting on a volcano.  The allergen hasn't fully manifested as an allergic reaction, but it is close.  This is probably why I felt like crap.

You have no idea how badly I wanted to say "See, I TOLD you so.  I told you something was wrong and it wasn't hyperventilation!"

So he took some blood to send to a lab to check for what the allergy might be and set me up on an IV plus a pred for the next couple of days to keep it under control.

Of course, a wonderful long-time friend asked an important question that I didn't even think about--why a blood test?  Why didn't he do a prick test, or if he isn't an allergist (which he isn't) why not refer you?  Excellent question.  I don't have the answer.  But if we don't get a good answer from the blood work, or even if we do, we will probably refer ourselves if he doesn't.

Right now, there are a couple of possibly candidates for the allergen.  First up, and highest on the suspect list, is my dog.  We got him almost two years ago and I didn't show any issues until recently.  Had dogs and cats all my life, so this becoming an allergy would really really suck. I love animals.  Another possibility is the left over stirring of dust and mold spores from the remodel.  Lower on the list are things like pollen and whatnot.  I also went on a long trip around Japan with my mother--so something could have come in from that.  Dunno.

Meanwhile, we are adjusting how I interact with my dog until we get a clear idea of how to deal with this.  I wear a mask with him, we are increasing vacuuming, I have a smock to wear when playing/interacting with him, no more upstairs for him, and we willy try to increase his brushing.  Also, wash hands a lot.

We will find out for sure what the blood results are next week.  Then we will go from there.  But yeah, this is the kind of battle I have to fight.  Having a monopoly like this is horrible--no accountability, no need to stay up on the latest research, etc, and no choices for the patients.  He may be good for old people who are used to the traditional: he is a doctor, no questions, just do what he says.  Not good for someone like me who, the only reason I was found to have asthma was because I ASKED to be tested.  Seems like I have to be in charge here instead of the doctor :/

Right now, I am feeling pretty good--but the last few days I seem to go down-hill in the evening, so we will see how I am later today after classes and whatnot.  Luckily, I only have four classes today with a free afternoon.

[your-dietician]

Do You Need a Prescription to Buy a CPAP Machine, Mask or Supplies?

New Post has been published on https://depression-md.com/do-you-need-a-prescription-to-buy-a-cpap-machine-mask-or-supplies/

Do You Need a Prescription to Buy a CPAP Machine, Mask or Supplies?

In short, Yes. If you’re going through your insurance company, preferred Durable Medical Equipment (DME) provider, or online retailer, you’ll need a valid prescription to purchase a CPAP machine, a complete CPAP mask, and a CPAP humidifier.

From there, it can get a little complicated.

Navigating the world of CPAP therapy, insurance coverage, and prescription requirements can be daunting. Here at CPAP.com, though, we’ve been connecting people with the information and supplies they need for healthy and successful sleep apnea therapy for over twenty years.

Regulations have changed quite a bit in that time, and there’s a lot of confusion around CPAP prescriptions because of it. This guide should help clear up any confusion or misconceptions you may have about your CPAP prescription, and why it’s important to have one.

We’ll also cover ways you can obtain a prescription, detail some important things you should know about the process, and even offer resources for tracking down an old prescription you might have.

Let’s jump into why you can’t purchase a CPAP machine without a prescription, and why it is crucial to have one.

Why Do You Need a Prescription for CPAP Equipment?

CPAP machines, masks, and humidifiers are classified and regulated by the FDA as Class II medical devices, which means a valid prescription is required for a legal sale to take place. In 2018, the FDA reclassified CPAP machines from Class III to Class II in an effort to spur innovation for a better user experience by relaxing regulatory burdens.

Sleep apnea can be a very difficult condition to adequately assess and treat because there are several different underlying issues that could be at play depending on the type of apnea events you experience. By working with a healthcare professional you’ll be prescribed the exact treatment and equipment you need to improve your quality of life.

Can I Get a CPAP Machine Without a Prescription?

As stated above, the FDA regulates CPAP machines and requires companies that sell these therapy devices to require a prescription from anyone intending to purchase one. To be clear, you cannot purchase a CPAP machine without a valid prescription from an appropriately licensed medical professional.

Luckily, you can get tested for sleep apnea and receive a valid prescription for your CPAP equipment all from the comfort of your own home. Visit our home sleep test for more details!

Can I Get CPAP Supplies Without a Prescription?

While a prescription is required for machines, masks, and humidifiers, you do not need a prescription to purchase CPAP supplies such as replacement mask parts, tubing/hoses (with the exception of some heated tubing), external batteries/power supplies, or filters for your machine.

CPAP accessories such as fabric wraps, aromatherapy bundles, CPAP pillows, and chinstraps can also be purchased without a prescription.

If you’re really savvy, you’ll find that you can typically even piece together a mask, or get pretty darn close, by searching for the mask parts individually.

To make this even easier, if you’re wondering whether or not you need a prescription for a certain piece of equipment, simply search for it on our website! Every single product that requires a prescription for purchase will have an icon under the ‘Add to Cart’ button that states “Prescription Required”.

Why Is It Important to Get a CPAP Prescription?

For a successful and healthy sleep therapy experience, a prescription is key.

Your CPAP prescription will tell you:

Your prescription is crucial in treating you based on the recommendations from your sleep study as made by your sleep specialist or doctor. A prescription turns the insights from your sleep test into an actionable way forward, giving you access to successful treatment.

How to Get a CPAP Prescription

Acquiring a CPAP prescription can be a pretty involved process, and it’s not so straightforward as simply asking your doctor for a prescription.

First, you’ll need to schedule an appointment with your doctor to discuss your sleep health to rule out other underlying conditions. Your doctor can then write you a prescription for a sleep study that you’ll participate in. After reviewing the results of your sleep study, your doctor can write you a prescription for a CPAP machine if necessary.

To get a CPAP prescription, follow the steps below:

Schedule an Appointment to Discuss Your Sleep With Your Doctor. Express Interest in Participating in a Sleep Study.

You’ll Setup the Test, and Fall Asleep as You Normally Would.

Your Results Will Then Be Sent to Your Doctor.

Your Doctor Will Write a Prescription Based on Your Sleep Study.

Can I Get a CPAP Prescription Online?

An exciting new option in the digital age is to have a sleep study conducted in the comfort of your own home! Our at-home sleep apnea test involves a consultation with a real doctor and is a great way to get a CPAP prescription online.

At-home sleep studies are not as comprehensive and cannot diagnose Central Sleep Apnea, but they’re perfectly capable of determining whether you’re a candidate for sleep apnea therapy based on your indicators for Obstructive Sleep Apnea (OSA).

Our home sleep test can prescribe you with an APAP machine directly, but others may require you to take your results to your primary care doctor in order for them to write you an appropriate prescription.

Who Can Write a CPAP Prescription?

To receive a CPAP prescription, you can make an appointment with your:

Medical Doctor (MD)

Doctor of Osteopathy (DO)

Psychiatrist (MD Only)

Physicians Assistant (PA)

Nurse Practitioner (NP)

Dentist

Naturopathic Physicians

Prescriptions written by the following medical practitioners are not accepted:

Chiropractor

Podiatrist

Optometrist

Psychologist

Registered Nurse (RN)

Respiratory Caregivers

Medical Assistants

While your prescription can simply be written on a standard prescription pad, we also offer a General Prescription Form to send to your prescribing physician.

What Does My Prescription Need to Say?

There are quite a few things that need to be on your CPAP prescription, and if you have the wrong phrases in the wrong places, it could affect your ability to get the right equipment for your needs. To help simplify this, we’ve gathered a list of everything your prescription needs to have on it.

Here are a few basic requirements of any prescription for any CPAP equipment:

Your physician’s contact information/NPI

Your physician’s signature

The patient’s full name

The Date of the Order

Length of Need

Diagnosis

How Long Is My Prescription Valid?

Some prescriptions for a CPAP machine have a finite expiration date or can be valid for life as judged by how many “refills” your doctor writes on the prescription.

If your prescription states that it is valid for a “lifetime,” then you are able to use it as many times as you need (this is also expressed as PRN, LON, 99, or 99 months). However, many prescriptions will have an “X” number of refills, meaning if it states five refills, then you will have to see your doctor again on your sixth. Some prescriptions may also have a “valid until” date, which means it cannot be used after the expiration date.

How Do I Track Down My Old Prescription?

At CPAP.com, we can help you to track down any old prescriptions you may have. To do so, we will send a message to your doctor’s office to ask them for the prescription you have on file.

If you’d like some assistance getting an old prescription from your doctor, give us a call at 1-800-356-5221 (M-F 8a-8p CST, Sat 8a-5p CST), or email us at cpap@cpap.com.

If your doctor needs help with writing a valid prescription for a CPAP machine, mask, or humidifier, we can tell them what topics need to be covered in order for CPAP.com to be able to process the order.

You also can find your previous doctor and contact his or her office. Just search the doctor’s name or practice name online, and give them a call to see if they still have it and if it is still valid.

If you previously worked with another DME, there’s a chance you can get the prescription from them as they should still have it on file. The previous DME can release your old prescription to you, and you can send it to us.

Where Can I Purchase CPAP Equipment?

Once you’ve secured your prescription, you can be on your way to acquiring the supplies you need to get started with your sleep apnea therapy.

The two main ways you can get your CPAP equipment are:

Going through insurance can be stressful for some, and there’s a whole other world of policies and deductibles to dive into on the matter; it’s best to get in contact with your agent to explore your options and see what’s best for you.

Simply put, your insurance provider will typically decide for you what equipment they’ll cover and what you can get.

For this reason, most people prefer to do their own shopping, and typically save money by paying out of pocket for their CPAP supplies and equipment.

To summarize, getting a prescription for sleep therapy is not only required by law but it also gives you the best chance for therapy success. By ensuring that your equipment is personalized to your needs, you’re setting yourself up for a cleaner, safer, and more effective CPAP therapy with greater peace of mind, and empowering yourself by taking control of your own healthcare.

If you decide to go through CPAP.com for your CPAP needs, we have a number of different ways for you to send your prescription information to us to make the buying process easier:

Fax your prescription, toll-free, to 866-353-2727, or internationally to 713-541-7377

Email your prescription to cpap@cpap.com

Upload your prescription via the prescriptions section of your CPAP.com account.

Daniela has researched and published over 60 articles covering topics that aim to inform and empower people living with Sleep Apnea. As an avid reader and researcher, Daniela continues to grow her knowledge about Sleep Apnea and CPAP therapy everyday with the help of coworkers, CPAP.com customers, and members of other CPAP communities online.

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[orbemnews]

Fervor Over Coinbase I.P.O. Spreads: Live Business Updates Here’s what you need to know: Shares of Coinbase, a trading platform for digital currencies, begins publicly trading on Wednesday.Credit…Richard Drew/Associated Press Coinbase, a company that allows people and companies to buy and sell various digital currencies, begins publicly trading on Wednesday, after its shares received a reference price of $250 each on Tuesday evening. Coinbase, which makes money through transaction fees, estimated it took in $1.8 billion in revenue in the first three months of the year as crypto prices have soared. On Wednesday, the fervor continued: Dogecoin, a cryptocurrency which started as a joke, jumped to a new high (albeit just 14 cents), and Bitcoin, the largest cryptocurrency, climbed above $64,000 to its own record high. Shares in blockchain-linked companies also rose in premarket trading. Riot Blockchain shares rose nearly 5 percent. Shares in Bit Digital, a Chinese bitcoin mining company, rose nearly 25 percent in premarket trading in the United States. Company Earnings Global stocks crept higher on Wednesday as company earnings started to pour in. The S&P 500 was set to open 0.1 percent higher, futures indicated, after reaching a record high on Tuesday. Shares in JPMorgan Chase dipped 0.4 percent in premarket trading after the bank reported its best first quarter on record, but said demand for loans was “challenged.” Shares in Goldman Sachs rose 0.3 percent in premarket trading after reporting investment banking revenue that beat analyst expectations. The Stoxx Europe 600 index was 0.2 percent higher. One of the biggest gainers on the index was SAP, the German software company. Its shares rose 4 percent after the company said revenue from its cloud business was growing and upgraded its forecast for full year earnings. Shares in easyJet, the low-cost airline, rose 3.6 percent after it said it expected to increase flights from May and reported earnings for the six months through March that were better than analysts expected. Shares in Tesco, the large British grocer, fell as much as 4.4 percent after the company reported a 20 percent decline in pretax profit because of the extra cost of operating stores and warehouses safely during the pandemic. The grocer also said it expected sales to decline as pandemic restrictions ease, but that this would improve profit margins. Elsewhere in markets Shares in Discovery, the American media company, fell in premarket trading as Credit Suisse continued to sell stocks tied to Archegos Capital Management, Bloomberg reported. Yields on 10-year U.S. Treasury notes rose 2 basis points, or 0.02 percentage points, to 1.63 percent. Oil prices climbed higher. Futures for West Texas Intermediate, the U.S. crude benchmark, rose 1.6 percent to $61.10 a barrel. Brian Armstrong, co-founder and chief executive of Coinbase, at the company’s office in San Francisco in 2017.Credit…Michael Short/Bloomberg Coinbase, the cryptocurrency exchange, is set to begin trading on the Nasdaq on Wednesday — and probably at a much higher valuation than the $65 billion preliminary estimate set last night. Here’s what you need to know about crypto’s move into the mainstream. Why Coinbase matters The company is the first major crypto business to trade publicly in the U.S. Its size means that its stock is likely to be held by mainstream index funds, giving average investors (indirect) exposure to the world of crypto. “Hopefully Coinbase going public and having its direct listing is going to be viewed as kind of a landmark moment for the crypto space,” Brian Armstrong, Coinbase’s chief executive, told Andrew in a CNBC interview. It will instantly become a financial giant on Wall Street. Even at $65 billion, Coinbase’s market value will exceed that of the stock exchanges its shares will trade on: Nasdaq’s market cap is $26 billion, while ICE, the parent company of the N.Y.S.E., is valued at $67 billion. And by the way, Goldman Sachs’s market value is $111 billion. Coinbase is profitable, taking in $322 million last year — and an estimated $800 million in the first quarter this year alone. It also made significantly more revenue from trades (0.6 percent) than did the Nasdaq (0.009 percent) and ICE (0.011 percent). But there are also giant risks. Coinbase benefited hugely from a run-up in cryptocurrencies’ prices in recent months, and the company warned in its prospectus that its business was “substantially dependent on the prices of crypto assets and volume of transactions conducted on our platform.” Skeptics think competition will eventually bring Coinbase’s fat margins down, though Mr. Armstrong asserted that he didn’t seen any sign of that happening yet. “Longer term, yes, I do think there could be fee compression, just like in every other asset class,” he told CNBC. Satoshi Tsunakawa, the chairman of Toshiba, in 2017. He will succeed Nobuaki Kurumatani, the company’s chief executive and president, whose departure was announced Wednesday.Credit…Toru Hanai/Reuters Toshiba announced on Wednesday the resignation of its top executive, Nobuaki Kurumatani, a move that comes as the Japanese conglomerate faces a potential buyout and a shareholder-initiated investigation into its management practices. The board appointed Satoshi Tsunakawa — the current chairman and previous president — to replace Mr. Kurumatani, the company said in a brief statement. It did not explain the reason for the change. Toshiba, once among the crown jewels of Japanese industry, a maker of products ranging from personal printers to railroad locomotives, has struggled in recent years, overshadowed by the legacy of a major accounting scandal and its acquisition of the American nuclear power company Westinghouse, which declared bankruptcy in 2017. Seeking to rebuild, Toshiba looked for a new leader from outside its own ranks, and in 2018 it appointed Mr. Kurumatani, an executive with CVC Capital Partners, a private equity company based in Europe, as chief executive. It was an unusual decision for a company that had long been headed by company insiders. Last year, he was appointed president, solidifying his control over the firm. During a news conference Wednesday, board member Osamu Nagayama deflected questions about the resignation, saying that Mr. Kurumatani, 63, had been considering the move for months and had come to the decision with his family. Unusually, Mr. Kurumatani did not make an appearance, but in a letter that was read aloud to reporters, he said he had chosen to resign after “achieving my mission to rebuild the company.” The announcement on Wednesday followed months of unrest at Toshiba as disgruntled shareholders agitated for reforms aimed at improving the company’s performance and increasing its value. Toshiba investors tried to shake up the company’s management at the annual general meeting last summer. But Mr. Kurumatani was re-elected — albeit with less than 60 percent of the vote — following a showdown that angered some key shareholders and raised questions about whether the company had inappropriately interfered in the decision. Effissimo Capital Management, a Singapore-based hedge fund that holds about 10 percent of the company and had led the campaign to unseat its management team, subsequently called for an investigation into the outcome. Other shareholders agreed, voting, over management’s objections, to begin an independent inquiry in March. Earlier this month, Toshiba announced that it had received a buyout offer from CVC Capital Partners for a reported $20 billion, a substantial premium on the company’s share price. The offer has raised questions of conflict of interest, as Mr. Kurumatani had previously served as president of CVC’s Japan office. In recent years, Japanese companies have increasingly been the focus of activist investors from abroad, who believe that sclerotic management and opaque governance practices have prevented many of Japan’s blue chip firms from achieving their full value. Hisako Ueno contributed reporting. Lemonade, which sells insurance to consumers online, went public in July. Individual investors make up about half of its shareholder base.Credit…Associated Press Dozens of companies are suddenly paying more attention to individual investors. Small investors who buy single stocks have not been a major force in financial markets for the better part of half a century. They were growing in influence before the pandemic, partly because of the popularity of free trading apps such as Robinhood. But with millions of Americans stuck at home during the pandemic, the trading trend escalated, Matt Phillips reports for The New York Times. “Retail trading now accounts for almost as much volume as mutual funds and hedge funds combined,” Amelia Garnett, an executive at Goldman Sachs’s Global Markets Division, said on a recent podcast produced by the firm. “So, the retail impact is really meaningful right now.” Tesla has long eschewed traditional communications with Wall Street. Ark Investment Management — the high-flying, tech-focused exchange-traded fund company run by the investor Cathie Wood — and Palantir Technologies, are also trying to reach small investors directly. Before Lemonade, a company that sells insurance to consumers online, went public in July, it went on a traditional tour of Wall Street, meeting big investors and talking up its prospects. However, the company has since discovered that more than half of its shares are held by small investors, excluding insiders who own the stock, said Daniel Schreiber, its chief executive. That has prompted a strategy adjustment. In addition to spending time communicating with analysts whose “buy” or “sell” ratings on the stock can move its price, Mr. Schreiber said, he has made a point of doing interviews on podcasts, websites and YouTube programs popular with retail investors. “I think that they are, today, far more influential on, and command far more following in terms of stock buying or selling power than the mighty Goldman Sachs does,” Mr. Schreiber said. “And we’ve seen that in our own stock.” The first woman to lead CBS News, Susan Zirinsky, is expected to announce that she is stepping down from the presidency of the network’s news division, possibly as soon as this week, a person with knowledge of the plan said on Tuesday. Ms. Zirinsky is expected to sign a production deal with the network’s parent company, ViacomCBS, to work on broadcast, cable and streaming programs, according to the person with knowledge of the details of her departure. Ms. Zirinsky, 69, was appointed in January 2019. Epic Games, the video game developer that produced the hit game Fortnite, said Tuesday that it had raised $1 billion in funding, valuing the company at $28.7 billion. Sony, the creator of the PlayStation game console, invested $200 million, Epic said, and Appaloosa Management, Baillie Gifford and Fidelity Management were also among the investors. Epic’s most recent funding round came last summer, when it raised $1.78 billion to value the company at $17.3 billion. Sony invested $250 million at the time. East Austin, Texas, in February, when a huge storm left more than $10 billion in losses that insurers could dispute.Credit…Bronte Wittpenn/Austin American-Statesman, via Associated Press Two months after the storm crippled large swaths of Texas, insurers are sketching out a legal strategy to pin the costs on utilities and power companies that they say failed to adequately prepare for bitterly cold weather. At stake could be more than $10 billion in insured losses for insurers and their business partners, as well as almost-certain premium increases for property owners if the insurers have to pay for the damage themselves, Mary Williams Walsh reports for The New York Times. The insurers say the power companies and utilities failed to prepare for a major winter storm, even though past cold snaps and climate-change data had made the danger clear. In 1989 and 2011, wintry weather caused so much damage that state and federal regulators spent months investigating the causes and issued detailed recommendations for hardening the electrical system against storms. “It doesn’t look like anybody did anything,” said Lawrence T. Bowman, a lawyer in Dallas who represents insurers in liability disputes. But decades of deregulation have made the state’s power grid a dizzying web of companies that could make determining fault tricky. Insurers will also have to show that the damage was the result of “gross negligence.” And there are dozens of small companies in the supply chain — some of which have gone bankrupt since the storm — that interact with one another in myriad ways. Source link Orbem News #Business #Coinbase #Fervor #IPO #Live #Spreads #Updates