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I know, I know. You’ve probably heard all about how you should renegotiate your bills to save money. But that’s easier said than done, right?That’s why I tried it out. I called up some of my service providers and attempted to cut the cost of my bills.Here’s how you can learn from my successes — and improve upon my failures. (Spoiler alert: Be prepared to make sacrifices.)Formulate a game planIt’s a good idea to call up your service providers and subscription services annually to negotiate a better rate, ask about new promotions or cancel unnecessary bills. This is a powerful tool to save money.These tactics can be used for securing a better deal on cable, internet, subscription services and more.First, review all of your recurring payments by identifying charges on your credit card and bank account. Then, decide if you really want (or need) those anymore.Make a list of the bills you would like to lower or cut out entirely. On my list: Satellite radio, cable, a clothing subscription and a movie loyalty program.Next, look up each company’s website. You’ll usually find a variety of contact methods, including live chat, text messaging, email and a phone number.While you’re searching online, gather information about your current package and pricing, as well as any new promotions from your current company or competitors that can be used as leverage.Cut out what you don’t needSet aside a block of time — maybe an hour or so — and work your way through the list.My first call was to our satellite radio service provider. My husband and I have a SiriusXM subscription. But after months of spotty reception in our car, I decided it was time to cut the service completely.Instead, over the course of a 10-minute phone call, I asked to cancel, then I was met with a better offer. Before, we paid .63 per month. Now, we pay .06 a month for 12 months (for the same plan). Plus, they threw in a free month.Threatening to cancel a service can be a bargaining tactic. Here, it was the truth — I was fully ready and willing to cancel. And it got me a better price.Next? That clothing subscription. A five-minute online chat with athletic brand Fabletics resulted in me canceling my membership. Before, I paid .95 a month as an account credit, unless I logged into my account and shopped or skipped by the fifth day of the month.The customer service representative offered a store credit to stay, but I went ahead and canceled anyway.DowngradeBe patient. There’s a time commitment involved. Plus, things don’t always work out.I spent 45 minutes online chatting, then talking on the phone with DirecTV. But even after consulting with two representatives, my monthly payment remained around 0 before and after my interaction.I was told there weren’t any discounts or promotions currently available for my account. And since I didn’t want to downgrade my package (I’m not ready to give up those Lifetime movies on LMN or game shows on Game Show Network), I’ll have to wait for future offers.If you’re willing to change your TV lineup, review available channel packages online to find a slimmed-down option that works for you. Or call and talk to a representative.Ask for helpRenegotiating bills is perhaps more important now, especially for those who are dealing with financial impacts related to the coronavirus. As the pandemic began taking an economic toll in the spring, providers across a broad spectrum of industries stepped up to extend payment assistance and waive late fees for customers.I contacted some service providers to see how they’re continuing to help consumers who are struggling.Most telecommunications companies, such as Dish and Comcast, provided similar advice: If existing customers have questions or are interested in lower monthly payments, they should go online or call customer service.Contact companies proactively, and if you’ve been laid off or otherwise affected by the pandemic, be honest about your situation.Look for resources that don’t require any effort, too. I thought I might need to cancel or renegotiate my -a-year AMC Stubs Premiere movie theater loyalty account. But the company had already temporarily paused my account in light of movie theater closures.Renegotiating bills didn’t save me enough money to retire early. But I’ll manage to hold onto almost 0 over the next 12 months — which is more than if I hadn’t picked up the phone.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicCourtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. 4799

If the pandemic caused you to relocate across state lines, even temporarily, the next surprise could be having to file an extra tax return and potentially pay more taxes.The issue gained national attention in May, when Gov. Andrew Cuomo of New York said out-of-state health care workers who came to help with the pandemic would face New York income taxes.Cuomo’s comments generated outrage, but in fact, most states tax people who earn money within their borders, even if those people usually live and file tax returns elsewhere. Even a single day in some states can trigger a tax bill.Remote working could mean tax hasslesMultistate taxation has long been a headache for entertainers, athletes, professional speakers and others who earn money in more than one state. Snowbirds, retirees who move south for the winter, can face it as well. Now it could be a problem for many people who relocated, however temporarily, because of the pandemic.Nearly one in 10 young adults, those ages 18 to 29, said they had relocated because of the pandemic, according to a Pew Research Survey poll taken in early June. Overall, 3% of adults said they’d moved and 6% said someone else had moved into their households. Those who moved cited reducing their risk of infection (28%), college campuses closing (23%), wanting to be with family (20%) and job loss or other financial issues (18%).Changing attitudes about remote work mean that multistate taxation could be an issue for more people and companies in the future. Nearly half of the company leaders surveyed by research firm Gartner in June said they planned to let employees work remotely full time even after people can return to the workplace. Remote working allows people to move to more affordable areas, which could be in a different state. But having even a single employee in another state can raise business and sales taxes for their companies.A tangle of tax rulesFor individuals, double taxation, having to pay taxes in two or more states on the same income, is possible because state rules differ so widely. In most cases, though, the taxpayer’s home state will offer a credit for taxes paid in other states, says Eileen Sherr, senior manager for tax policy and advocacy for the Association of International Certified Professional Accountants.But there are scenarios where someone could end up paying more without technically being taxed twice, Sherr says. If the tax rate in the new location is higher, for example, the home state’s credit may not offset the whole bill. Also, if the person’s home state doesn’t impose an income tax but the other state does, then there’s no credit to offset the additional taxes.Another issue: failing to file a required state tax return, either because people didn’t know the other state required it or because they’re hoping to get away with it. That can lead to audits, taxes, penalties and amended returns, says Mark Klein, chairman of Hodgson Russ law firm in New York City. Auditors often can figure out where you were when by using cell phone records and credit card receipts.You can, of course, decide to make your move permanent. But if you change your mind, move back and get audited, the auditors will conclude that you never truly left, Klein says.“The real test is whether you stick the landing,” Klein says.What can be doneSome states have long-standing reciprocity agreements, usually with neighboring states, that will prevent commuters from having to file multiple state tax returns, Sherr says. In addition, 13 of the 41 states that tax income have said they will give remote workers a break if they moved because of the coronavirus, she says.Sherr suggests that people who may be affected by another state’s tax laws talk to a tax pro to assess what their liability might be and discuss the situation with their employer, in case their withholding needs to change. She also recommends people keep good records so they can track how many days they earned money in each state and how much.It’s possible that Congress could provide some help. A proposal in the Senate’s pandemic relief bill would require that states maintain the pre-pandemic status quo — in other words, pay for newly remote workers would be taxed the way it was before the pandemic. The bill also would create uniform rules for assessing state and local income taxes.Those ideas may face opposition from states desperate to replace lost revenue, however. The lockdowns quashed economic activity, and the resulting recession has made consumers and businesses cautious about spending money, further reducing tax revenues.“The states need money,” Klein says. “Because of COVID, they need more money than ever before.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Renters Are Struggling, and What to Do With an Old 401(k)Distance Learning Can Fit Into Your Back-to-School BudgetThe 2 Costs That Can Make or Break Your Nest EggLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5077

Hurricane Michael's death toll climbed to 18 Saturday, after another victim was discovered in Virginia.Fears were mounting for those who did not heed evacuation orders before Hurricane Michael bulldozed large swaths of Florida's Panhandle, and residents in the hardest-hit areas grew increasingly desperate for provisions.Three days after the monster storm, with rescue workers cutting through hulking debris piles in search of survivors, residents formed long lines outside fire stations, schools and Salvation Army food trucks to collect bottled water and ready-to-eat meals (MREs)."It's about to get stupid if people don't get food and water," Panama City Assistant Fire Chief Gary Swearingen said Saturday.Some have already resorted to looting, according to CNN affiliate WEAR-TV, because of the lack of resources such as water, electricity and food. 862

HOUSTON (AP) — A 2?-year-old Guatemalan child has died after crossing the border, becoming the fourth minor known to have died after being detained by the Border Patrol since December and raising new alarms about the treatment of migrant families seeking asylum in the United States.The boy died Tuesday after several weeks in the hospital, American and Guatemalan authorities said. Tekandi Paniagua, Guatemala's consul in Del Rio, Texas, said the boy had a high fever and difficulty breathing, and authorities took him to a children's hospital where he was diagnosed with pneumonia.U.S. Customs and Border Protection said the boy's mother told agents her son was ill on April 6, three days after they were apprehended near an international bridge in El Paso, Texas.RELATED: 8-year-old Guatemalan boy in Customs and Border Protection custody dies after treatment for illnessThe agency said the child was taken to a hospital in Horizon City, Texas, that day, and transferred to Providence Children's Hospital in El Paso the next day.The boy remained hospitalized for about a month before dying Tuesday. The Washington Post first reported his death.All four children who have died after being apprehended by the Border Patrol were from Guatemala, which is ravaged by violence, poverty, and drought. More than 114,000 people from Guatemala have been apprehended by the Border Patrol between October and April.Many have been detained in Mexico, which has faced pressure from the U.S. government to restrict migration. Mexico's National Immigration Institute said Thursday that a 10-year-old girl died in custody Wednesday night, a day after arriving with her mother at an immigrant detention center in Mexico City.RELATED: 7-year-old Guatemalan girl died in Border Patrol custodyIn early December, 7-year-old Jakelin Caal Maquín died of a bacterial infection . Felipe Gomez Alonzo, 8, died on Christmas Eve of a flu infection .Juan de León Gutiérrez, 16, died on April 30 after officials noticed he was sick at a youth detention facility operated by U.S. Department of Health and Human Services. The medical examiner in Corpus Christi, Texas, said Juan had been diagnosed with a rare condition known as Pott's puffy tumor, which can be caused by a severe sinus infection or head trauma."The death of a single child in custody of our government is a horrific tragedy," said Jess Morales Rocketto, chair of the advocacy group Families Belong Together. "Four in six months is a clear pattern of willful, callous disregard for children's lives."President Donald Trump's administration has for months warned that the U.S. immigration system was at a "breaking point." The administration has asked for .5 billionin emergency humanitarian funding and for Congress to change laws that would allow agencies to detain families longer and deport them more quickly.Many immigration detention facilities are overflowing and unequipped to house familieswith young children, especially as the numbers of families crossing the U.S.-Mexico border surge to record highs. The Border Patrol made 99,000 apprehensions on the southern border just in April. More than half were parents and children traveling together.The Guatemalan foreign relations ministry said the family was from the area of Olopa in Chiquimula state, east of Guatemala City. Juan de León Gutiérrez was from the same state, part of Guatemala's "dry corridor" where a prolonged drought for nearly two years has led to destroyed crops and malnutrition.The Border Patrol's challenges are particularly acute in El Paso, at the western edge of Texas and across from Juarez, Mexico.Felipe Gomez Alonzo, the 8-year-old who died in late December, had been detained with his father for a week before falling sick. CBP acknowledged it transferred Felipe and his father between stations because it didn't have space at the El Paso station. The last place Felipe and his father were detained was a highway checkpoint.After Felipe's death, the Department of Homeland Security announced it would expand medical checks and ensure that all children in Border Patrol custody would receive "a more thorough hands-on assessment at the earliest possible time."CBP did not immediately answer questions Thursday about where the 2?-year-old child and his mother had been detained before the child fell sick, or whether the any signs of illness had been detected before April 6.In recent weeks, the Border Patrol in El Paso has detained families for hours outside in a parking lot and under an international bridge. Migrant parents complained of having to sleep at that location on the ground outside or in poor conditions in tents.The agency this month opened a larger, 500-person tent in El Paso as well as in South Texas' Rio Grande Valley.___Associated Press journalists Cedar Attanasio in El Paso, Texas; Sonia Pérez D. in Guatemala City; and Christopher Sherman in Mexico City contributed to this report. 4941

House Judiciary Chairman Bob Goodlatte has issued subpoenas for former FBI Director James Comey and former Attorney General Loretta Lynch.Goodlatte, a Virginia Republican who is retiring, is requesting private depositions from Comey on December 3 and Lynch on December 4. House Republicans have been investigating FBI actions in the 2016 campaign, but that probe will end when Democrats take over the committee in January.Comey, who has previously rejected the committee's request for him to appear privately before the GOP-led inquiry, reiterated his position soon after the subpoenas became public."Happy Thanksgiving. Got a subpoena from House Republicans. I'm still happy to sit in the light and answer all questions. But I will resist a 'closed door' thing because I've seen enough of their selective leaking and distortion. Let's have a hearing and invite everyone to see," Comey tweeted.David Kelly, an attorney for Comey, said Thursday that his client will fight the order in court."While the authority for congressional subpoenas is broad, it does not cover the right to misuse closed hearings as a political stunt to promote political as opposed to legislative agendas," Kelly said.Lynch has not yet commented publicly about the subpoenas.After the House Judiciary Committee signaled earlier this month their intention to subpoena Comey and Lynch, Rep. Jerry Nadler, the Democrat who is expected to chair the panel next year, criticized the move as "unfortunate.""Months ago, Director Comey and Attorney General Lynch both indicated their willingness to answer the Chairman's questions voluntarily. My understanding is that the Republicans have had no contact with either the director or the attorney general since," Nadler said last week.Deputy Attorney General Rod Rosenstein remains another potential witness hanging over the GOP-led investigation. Conservatives on the panels demanded that Rosenstein appear to answer their questions about his reported remarks about wearing a wire to record the President and efforts to recruit Cabinet members to invoke the 25th Amendment to remove Trump from office. A scheduled meeting with Rosenstein last month was postponed and has not been rescheduled. 2215