Ms Lobelia

Just hoping to make the world a better place one small deed at a time.

[Aria Westcott @AriaWestcott]

If you died tomorrow your family could not access a single thing you own digitally.

Bank accounts. Crypto. Passwords. Cloud storage. All of it locked permanently.

Here is how to fix that in 30 minutes:

[Hasan Toor @hasantoxr]

Google has a recording of every search you've ever made.

Every place you've ever been. Every YouTube video you've ever watched.

Go to https://t.co/SsI3dVLQDL right now.

You'll find searches from 2015. Voice recordings. GPS coordinates.

All stored. All linked to your name.

Here's how to see it and delete it:

[Mayank Vora @aiwithmayank]

If you died tomorrow, nobody could access your:

- Bank accounts
- Crypto wallets
- Cloud storage
- Password manager

Your digital life dies with you.

Here's the 30-minute setup that prevents this ↓

[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 $4,200

hospitals don't send you itemized bills by default. they send you a summary. one line. one number. pay this

the itemized version shows every single charge. and that's where the scam falls apart

$78 for a single Tylenol you could buy at CVS for $3 $400 for "room usage" for a room you sat in for 12 minutes $1,200 for "physician consultation"

when a nurse practitioner spent 45 seconds checking your chart $250 for "surgical supplies"

when you got 3 stitches and a bandaid duplicate charges for the same procedure billed twice under different codes

hospitals get away with this because most people never ask. they just pay the summary or let it go to collections and destroy their credit for 7 years over charges that were never real

the call script:

"Hi, I'm calling about account number [X]. I'd like a fully itemized statement showing every individual charge, CPT code, and unit cost. I'm also requesting the chargemaster rate versus what my insurance was billed"

they'll push back. "we already sent your statement." no. you sent a summary. you want the itemized breakdown with procedure codes

once you get it:

step 1: google every CPT code on the bill. compare their price to the Medicare rate for the same procedure. hospitals routinely charge 300-800% above Medicare rates. you now have negotiating leverage

step 2: call back. "I've reviewed the itemized statement. There are duplicate charges on lines [X] and [X]. The charge for [procedure] is $1,200 but the Medicare reimbursement rate is $180. I'd like to discuss a fair adjustment"

step 3: ask about financial hardship discount. every nonprofit hospital has one and many for-profit hospitals do too. most require a simple application. income under $60K-$80K for a family qualifies at most nonprofit hospitals for 40-100% reduction. they won't volunteer this. you have to ask

step 4: if they won't negotiate, say "I'd like to file a formal billing dispute and request review by your patient advocate"

this triggers an internal audit. a different person reviews the charges. errors get caught. bills get reduced

step 5: offer a lump sum. "I can pay $3,800 today if we can settle this account in full." hospitals would rather take $3,800 now than send $14,000 to collections where they'll recover a fraction of the balance

and if it already went to collections? the collection agency bought that $14,000 bill for pennies on the dollar. they'll often take a fraction of the original amount to delete it and walk away happy

you were about to destroy your credit for 7 years over a bill that was mostly inflated charges
five words would have saved you

(i repair credit in 60-90 days, links in my bio)

[GP Q @argosaki]

New research is challenging everything we thought about cholesterol. Data now confirms that people with higher cholesterol levels may actually live longer and have a lower risk of developing cancer. While high cholesterol has long been linked to heart disease, these latest studies reveal a surprising protective effect in other areas of health.
Scientists suggest that cholesterol plays a crucial role in cell repair, hormone production, and maintaining the immune system. It may help the body fight off certain types of cancer and support longevity in ways we’re only beginning to understand. This doesn’t mean cholesterol is entirely risk-free, but it highlights the importance of a balanced perspective rather than fearing it outright.
For years, low cholesterol was considered the ultimate goal, but the evidence shows that moderately higher levels could be linked to better long-term health outcomes. As science continues to explore this fascinating connection, it could reshape the way we approach diet, medicine, and preventive health.
#TheSciencePulse #HealthFacts #CholesterolTruth #Longevity

[US Open Tennis @usopen]

It's all on the line Sunday.

We'll either see a 25th Grand Slam or a career Grand Slam.

[Chidanand Tripathi @thetripathi58]

Most people treat their iPhone camera like a point-and-shoot toy.

They’re carrying one of the best true pocket cameras and using about 50% of its potential.

Here are the settings you need to change to fix that:

Starting with the one that confuses nearly everyone…

[Ms Lobelia @MsLobelia2]

@elonmusk Took 10 hours.

[Ms Lobelia @MsLobelia2]

@ultragloss They are beautiful dogs!

[Ms Lobelia @MsLobelia2]

@PatrickMcEnroe @connellmcshane Right

[Ms Lobelia @MsLobelia2]

@greta Cats rule!

[Science girl @sciencegirl]

Bald eagle fishing from the sky

📹 mark smith photography

[Brian Sullivan @SullyCNBC]

NJ DMV today to get something called Real ID (basically a new drivers license that's required to fly as of May)

Needed:
Current drivers license
Passport
utility bill
debit card

All this even though I'm signed up for CLEAR and use TSA Precheck.

Need a nap after that.

Makes you wonder why the state needs all this data ..

[Ms Lobelia @MsLobelia2]

@ExtremeStorms 🙏🏻

[Ms Lobelia @MsLobelia2]

@karenfinerman @nyliberty Beautiful photograph!

[Ms Lobelia @MsLobelia2]

@Catsillyness Peach

[Ms Lobelia @MsLobelia2]

@Catsillyness Donut

[Ms Lobelia @MsLobelia2]

@Matt_Pinner Precious

[Ms Lobelia @MsLobelia2]

@StockMKTNewz $4.52

[Ms Lobelia @MsLobelia2]

@greta 1