Cindy Harris

Trader - Stocks, CL, NQ, GC

[Javier Blas @JavierBlas]

The @DallasFed tries to answer what’s behind high diesel prices?

“Global refinery capacity has declined by as much as 10 percent amid mounting transportation challenges and geopolitical tensions.”

https://t.co/6krbOSco3t

[Cindy Harris @CindyHa07928005]

The problem is you might agree with what the Government wants this time, but next time you may not agree with what they want to enforce upon your child. Once you have already given them the liberty to parent your child then you are stuck with their decisions after that. This is the thing people don't get. They get you to give up your freedom by passing a law like this that people agree with and they have the authority over your child not you. What if you want your child to be able to skateboard and the government says no. What if you want to travel with your child to other countries and the government says no. You have already given away your freedom. Think long term not short.

[Cindy Harris @CindyHa07928005]

@anasalhajji I wouldn't want the government parenting my child.

[Jack Posobiec @JackPosobiec]

Hi, I have a question. Why is Congress considering allowing 3,000 driverless Chinese robotaxis into the United States?

This is a national security threat and completely unacceptable

Absolutely not

[𝗱𝗮𝗻𝗻𝘆🫧💚 @beyoncegarden]

OH THIS IS SOOO REAL LMFAOOO😭😭😭

[Gunther Eagleman™ @GuntherEagleman]

God Bless Texas!

[Kyle Walker @kyle_e_walker]

100+ years of drilling history in Texas, animated.

Data from the Texas Railroad Commission, visualized by completion date.

[hunter @hxxntrr]

You're about to pay that $14,000 medical bill

Stop

Don't be fucking stupid

You can get it for free

The hospital violated federal law when they sent you to collections without your signed HIPAA authorization. That authorization is a specific document. Form HHS-329 or the hospital's equivalent privacy notice with your wet signature. The hospital is required under 45 CFR 164.508 to obtain this BEFORE disclosing your protected health information to any third party, including debt collectors

They almost never get it. They batch-sell delinquent accounts to collection agencies in spreadsheets. The spreadsheet has your name, balance, account number, dates of service, and often the diagnosis codes. All of that is protected health information under HIPAA. All of it was transferred without your written consent

Each unauthorized disclosure is a violation worth $100-$50,000 per incident under the HIPAA Enforcement Rule (45 CFR Part 160). For willful neglect: $50,000 per violation with an annual cap of $1.5 million. The hospital knows this. The collector knows this. Neither of them expects you to know this

The 3-letter deletion sequence:

LETTER 1: to the collection agency

"You are in possession of my protected health information as defined under HIPAA, 45 CFR 160.103. Please provide a copy of my signed HIPAA authorization (45 CFR 164.508) that permits you to possess, store, and communicate my medical records and billing information.

If you cannot produce this authorization within 30 days, you are in violation of the HIPAA Privacy Rule, 45 CFR 164.502(a), and I will file a complaint with the HHS Office for Civil Rights and pursue all available remedies including statutory damages."

Send certified mail, return receipt. The collector has 30 days. They don't have the authorization because the hospital never got one. The hospital sold a spreadsheet. The authorization document doesn't exist

LETTER 2: to the hospital billing department

"I am requesting a copy of my signed HIPAA Privacy Authorization (45 CFR 164.508) that specifically authorizes disclosure of my protected health information to [collection agency name]. Please also provide the Business Associate Agreement between [hospital name] and [collection agency name] as required under 45 CFR 164.502(e).

If no valid authorization or BAA exists, the disclosure of my PHI to [collection agency] constitutes a violation of the HIPAA Privacy Rule, enforceable under 42 U.S.C. 1320d-6."

The Business Associate Agreement (BAA) is the contract between the hospital and the collector that governs PHI handling. Under HIPAA, a covered entity (hospital) must have a BAA with any business associate (collector) who handles PHI. Many hospitals use outdated or non-compliant BAAs. Some don't have BAAs at all for their collection vendors. If the BAA is missing or defective, the entire collection is a HIPAA violation from the hospital's side

LETTER 3: to all 3 credit bureaus

"The medical debt reported by [collection agency name], account #[XXX], was disclosed without valid HIPAA authorization as required by 45 CFR 164.508. I have requested proof of authorization from both the collection agency and the original creditor ([hospital name]). Neither has been able to produce it.

This account was reported based on illegally disclosed protected health information and must be removed under FCRA Section 611(a)(1)(A) as inaccurate. Additionally, per the CFPB's medical debt rule effective March 2024, medical debts under $500 should not appear on consumer credit reports."

The CFPB medical debt rule change:

As of March 2024, the three major credit bureaus agreed to remove medical collections under $500 from credit reports entirely. Additionally, paid medical collections are no longer reported. If you settled or paid any medical collection, it should already be removed. If it's still there, dispute it citing the updated policy

For medical debts over $500 that are still reporting: the HIPAA challenge above is your primary weapon. The secondary weapon is the itemized bill challenge (request CPT code breakdown, compare to Medicare rates, dispute inflated charges, apply for 501(r) charity care)

The CFPB has also proposed a rule (expected implementation late 2026) that would remove ALL medical debt from credit reports regardless of amount. If this passes, every medical collection in America gets wiped from credit files. The proposal is in public comment period now

What happens in practice:

The collector receives Letter 1. They search their files for a HIPAA authorization with your signature. They don't have one. They contact the hospital. The hospital doesn't have one either (or has a general "notice of privacy practices" acknowledgment, which is NOT the same as a specific disclosure authorization under 164.508)

The collector has three options: produce the document (they can't), stop collecting and delete (cheapest option), or fight it (expensive and they'll probably lose)

70-80% delete within 30-45 days. They're not going to spend $3,000 in legal review for a $14,000 account they bought for $280

a woman had $67,000 in medical collections across 3 hospitals and 4 collection agencies. we sent all 3 letters to each. hospital 1 couldn't produce the authorization or BAA. their collector deleted within 22 days. hospital 2 produced a "notice of privacy practices" that was not a valid 164.508 authorization. their collector deleted at day 34 after we sent a follow-up citing the specific regulatory distinction. hospital 3's collector tried to verify through the bureau. we had already frozen LexisNexis and SageStream (the shadow verification databases). bureau couldn't verify. deleted at day 41

$67,000 in medical collections. $0 paid. all deleted. score went from 523 to 711 in 58 days. she bought a car at 4.9% instead of the 18% she was quoted the month before. the interest savings on that car loan alone: $6,200 over the loan term

the hospital violated federal privacy law the day they sold your medical records to a collection agency. they're counting on you not knowing. now you know lmfaooo

(i fix credit in 30-90 days. link in bio)

[fOx @fOx1257067]

If there is a place in Texas that looks like it was borrowed from heaven for a little while... this might be it.

The Upper Nueces River is one of the most breathtaking hidden treasures in the entire state. Crystal-clear spring water, towering limestone bluffs, ancient cypress trees, and scenery so beautiful it almost doesn't seem real.

It's the kind of place that reminds you just how incredible Texas truly is.

If you've been here, you already know.

If you haven't... it deserves a spot at the very top of your bucket list.

Hat tip to texas.explorer 🤠

[Cindy Harris @CindyHa07928005]

There is not a drought. Not at all. There is a severe mismanagement of water. There is no such thing as a water shortage. Water does not ever go away. It only changes form and can be turned back into water extremely easily. It can also be transported very easily. Lakes can be dug very easily! Think about that

[Wall Street Mav @WallStreetMav]

The US Supreme Court ruled that freight brokers could be held liable for carrier accidents just the other day.

It is already having an impact in the market. Trucking companies with a poor record for safety (usually hiring 3rd world drivers) are getting eliminated quickly.

[Thomas Sowell Quotes @ThomasSowell]

Warren Buffett: "I can end the U.S. deficit problem in 5 minutes. Just pass a law that any time there's a deficit of more than 3% of GDP, all members of Congress are ineligible for re-election."

https://t.co/FDbnEugMTa

[Amy Nixon @texasrunnerDFW]

Despite record high stock prices and near-record high home prices,

Personal bankruptcies in Texas are up 22% YOY

[No Farmers, No Food @NoFarmsNoFoods]

How on earth is this ‘saving the planet”?

[Charlie Bilello @charliebilello]

Price increases since start of the Iran war...
Sulfur: +95%
European Natural Gas: +59%
WTI Crude Oil: +58%
Jet Fuel: +56%
Heating Oil: +56%
Gasoline: +52%
Diesel: +51%
Brent Crude Oil: +50%
Urea: +24%
Rice: +21%
Fertilizer: +20%
Iron Ore: +12%
Coal: +10%
Palm Oil: +9%

[Wall Street Mav @WallStreetMav]

Bill Gates' foundation sold the remaining shares it owned in Microsoft during the 1st quarter of 2026.

Previously, the Gates Foundation Trust sold 65% of its Microsoft (MSFT) stake in Q3, reducing the position from $13.9 billion to $4.76 billion.

The founder of the company, who once held as much as 49% of Microsoft after the IPO, still has some shares that he owns in his personal name. If he had never sold any shares, he would likely be worth over $1 trillion today.

[Texas Scorecard @TexasScorecard]

In a new letter, 25 state lawmakers are requesting a meeting with the Public Utility Commission of Texas about the proposed construction of three 765-kV transmission lines from East Texas into the energy-rich Permian Basin. This comes as records from the Public Utility Commission indicate that a proposed line will cross land controlled by Chinese billionaire Sun Guangxin.

[NEWSMAX @NEWSMAX]

Constellation Energy, one of the world's biggest electricity producers, hopes U.S. regulators will issue a decision as early as next month that will dictate when the company's Three Mile Island nuclear power plant can restart, executives said on Monday. https://t.co/vwmduWCGyJ

[Jordan McGillis @jordanmcgillis]

Among the country's 15 most populous states, the five with the strongest non-healthcare jobs growth since 2022 are:

1) Texas
2) Florida
3) North Carolina
4) Arizona
5) Tennessee

Total Sun Belt Victory

[Josh Young @JoshYoung]

"Macro investor" shorting oil