Derek Roche

[Derek Roche @DerekRoche13]

@CannadyCovers1 🤑 keeps churning out winners
10 a month is best bet

[Alvin @Alvin1492840]

A guy bought a $1,500 Samsung TV 3 years ago.

He watched Netflix. He watched YouTube. He thought the picture looked fine. He assumed that's just what a TV looks like.

His friend, a home theater installer who calibrates TVs for a living, walked into his apartment and looked at the screen for 5 seconds.

"You're watching everything in demo mode. The motion smoothing is on. The eco dimmer is cutting your brightness by 40%. Your TV is taking a screenshot of your screen every 30 seconds and selling your viewing data to advertisers. And you're watching a $1,500 panel in the same picture mode Best Buy uses under fluorescent lights to make TVs pop on a showroom wall."
He changed 9 settings in 12 minutes.

The picture looked like a different television. The soap opera effect disappeared. The colors became natural. The TV stopped spying on him.
Here's every setting he changed 🧵

[Joe Orrico @JoeOrrico]

Updated RB Draft Rankings for Fantasy Football 2026:

[Kyle @KyleM_FF]

Here are my updated PPR Redraft Tier List and Rankings for each position!

I've included current ESPN ADPs and outlined players I am most interested in, AT COST

- The bolded outlined players are essentially "My Guys" (those I am planning on targeting most aggressively)

[Joe Orrico @JoeOrrico]

2026 FANTASY FOOTBALL DRAFT RANKINGS:

(Every Position with Tiers)

Beginning with Wide Receiver…

[Skrip @P2WFantasy]

2026 Fantasy Football

Team WR1 Landscape + Notes

[Skrip @P2WFantasy]

2026 Fantasy Football

Team RB1 Landscape + Notes

[Derek Roche @DerekRoche13]

@CentralCapper 🤑

[Derek Roche @DerekRoche13]

@steaakfriend Gonna use the same logic with France. Yes, they score

[Joe Holka @thejoeholkashow]

24 Facts About the Top-24 fantasy players...

This Will Help You DOMINATE Your Fantasy Football Drafts in 2026:

[Derek Roche @DerekRoche13]

@tannerstruth Dodgers?

[Derek Roche @DerekRoche13]

@CentralCapper 🤑

[Derek Roche @DerekRoche13]

@SharpPickss 🤑

[Derek Roche @DerekRoche13]

@CentralCapper 🤑

[Rohit @HeyRohhit]

INSTEAD OF WATCHING AN HOUR OF NETFLIX TONIGHT.

This 1 hour Stanford lecture by Joel Peterson will teach you more about negotiation and getting what you want than most people learn in years.

Bookmark it and give it an hour, no matter what.

[hunter @hxxntrr]

you're about to pay that $14,000 hospital bill. Stop

call the billing department and say five words: "I need an itemized statement"

watch $14,000 turn into $3,200

hospitals send you a summary bill on purpose. one line. one number. one deadline. designed to make you panic and pay or ignore it until it destroys your credit

the itemized version tells a completely different story

every charge has a CPT code (Current Procedural Terminology). this is the 5-digit number that identifies the exact procedure or service. your $14,000 bill might have 30-60 individual CPT codes on it. each one represents a charge the hospital decided you owe

here's what you'll typically find when you actually read them:

$83 for a tablet of acetaminophen. you know this drug as Tylenol. CVS sells a bottle of 100 for $6.49. the hospital charged you $83 for ONE

$482 for "room utilization." you sat in a curtained area in the ER for 22 minutes while a nurse took your blood pressure

$1,400 for "physician consultation" when a nurse practitioner checked your chart for 90 seconds and a doctor you never met signed off remotely

$312 for "surgical supplies" for 4 stitches and a gauze pad that cost the hospital $0.74 in materials

$234 for "facility fee." this is a charge for being in the building. literally a fee for walking through the door

duplicate charges billed under different CPT codes for the same procedure

the chargemaster:

every hospital has a document called the chargemaster. it's a master list of every service and its price. chargemaster prices are set internally by the hospital with zero external regulation. there is no law governing how much a hospital can charge for a tylenol or a CT scan. the chargemaster is a fictional pricing document that has no relationship to the actual cost of care

under the Hospital Price Transparency Rule (CMS-1717-F2, effective January 2021), hospitals with 300+ beds are required to publish their chargemaster prices online. most hospitals bury the file in an obscure corner of their website as a 40,000-row spreadsheet that nobody can read. but it's there

pull it. compare what they charged you to what they published. then compare both numbers to the Medicare reimbursement rate for the same CPT code at https://t.co/OYp6CWUAOK. Medicare rates represent what the federal government has determined is a fair price for each procedure

the gaps are violent:

CT scan abdomen (CPT 74177):
Medicare rate: $280
Average chargemaster price: $4,200
Markup: 1,400%

basic metabolic panel (CPT 80048):
Medicare rate: $11
Average chargemaster price: $620
Markup: 5,536%

ER visit level 4 (CPT 99284):
Medicare rate: $268
Average chargemaster price: $2,800
Markup: 945%

the negotiation sequence:

call 1: "I received my itemized statement. I've compared each CPT code to the Medicare reimbursement rate and found that your charges exceed Medicare rates by 400-1,400% across 18 line items. I'd like to discuss a fair adjustment to bring these charges closer to market rates"

most billing departments have authority to reduce 20-40% without supervisor approval. push for 50%+

call 2: "I'd like to apply for your financial assistance program under your 501(r) charity care policy"

every nonprofit hospital (roughly 60% of US hospitals) is required under IRC Section 501(r) to maintain a financial assistance policy. if your household income falls below 200-400% of the federal poverty level (varies by hospital), you qualify for 40-100% reduction. for 2026, 400% FPL for a single person is roughly $60,240. family of four: $124,800

this means a family earning $120K/year may qualify for a 50-80% reduction at many nonprofit hospitals. they will never tell you this. you have to ask

call 3: "I've identified billing errors including [duplicate charges/upcoded procedures/unbundled services] and I'm filing a formal billing dispute. Please route this to your patient advocate for internal audit review"

the word "audit" triggers a different process. a compliance officer reviews the bill instead of a collections agent. errors get found. charges get removed

call 4 (the close): "I can pay $3,200 today as settlement in full. This resolves the account. I'll need written confirmation that the account is settled and will not be sent to collections"

hospitals would rather take $3,200 today than send $14,000 to a collection agency that will buy it for $420 and harass you for years. your lump-sum offer at 23 cents on the dollar is more profitable for the hospital than the collections route

if it already went to collections:

the collector bought your $14,000 bill for $280-$560. they'll take $1,500 and delete. but first, send the FDCPA 809 validation letter demanding the full itemized statement with CPT codes, the insurance explanation of benefits, and proof the remaining balance is accurate after all contractual adjustments

collectors almost never have this for medical debt. the hospital sold a spreadsheet. the supporting documentation went to a filing cabinet nobody will ever open. unable to validate = dispute with bureaus = deleted in 30 days

a woman came to us with $89,000 in medical bills across 4 hospital visits from 2023-2025. we requested itemized statements for all four. found $31,000 in duplicate charges, facility fees already included in surgeon's bills, and supplies billed at 2,000-5,000% above cost. applied for 501(r) financial assistance at 2 of the 4 hospitals. she qualified for 70% reduction at both

$89,000 original total
$31,000 removed (billing errors)
$58,000 remaining
$40,600 reduced (70% charity care at 2 hospitals)
$17,400 remaining across 2 for-profit hospitals
Settled for $6,200 lump sum payment

$89,000 to $6,200. 7 cents on the dollar. score went from 512 to 703 in 68 days after the collections were deleted

five words. "I need an itemized statement." the hospital is hoping you never say them lol

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

[Derek Roche @DerekRoche13]

@CentralCapper 🤑

[Lalo Pedroza @LaloPedrozaFF]

Drafting from the 1.01–1.04?

These are the best players available in every round + how I’m building my team (12 rounds)👇🏼

[Derek Roche @DerekRoche13]

@SharpPickss The Don!

[Derek Roche @DerekRoche13]

@SharpPickss The Don!