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House Minority Leader Nancy Pelosi says the Republican tax plan isn't all that it seems, expressing her frustration over a lack of collaboration between the two parties.Speaking with CNN's Jake Tapper on "State of the Union" Sunday morning, Pelosi said President Donald Trump and Republicans are moving too fast."If you're going to do a whole revision of the tax code, it should be done in a bipartisan way. That's the only way it will be fair, simplified, and sustainable. ... They're trying to move this in a matter of days," she said.Despite claims of tax cuts to middle class families, there are other factors in the tax plan to consider, Pelosi said. 663

If you're a pet owner, you know your furry friend can be expensive, especially when it comes to their medical bills. Last year, Americans spent billion at the vet. That's why more owners are now opting for pet insurance. But, is it worth it?"When you are presented with a ,000 bill for emergency surgery, you might only have to pay a couple hundred dollars," says Dr. Jessica Weeks, with BluePearl Veterinary Partner.   Routine care for a dog can be on average 7, and for cats, it’s around 2, according to the American Pet Product Association.  "Most people aren't prepared financially for those things that happen unexpectedly," says Dr. Weeks.Last year, there were 1.83 million pets insured, and experts say that number is climbing.   There are a few caveats with pet insurance, Dr. Weeks says. A majority of the plans do not cover shots and checkups. They only cover the big medical expenses, like treatments and surgery. Additionally, many plans will make you pay the bill in full and then they'll reimburse you after.   "There are similarities as far as pre-existing conditions,” says Dr. Weeks. “If your pet already has an illness and you try to get insurance, a lot of times insurance won't cover that."  That's why vets recommend you do your research. Dr. Weeks recommends owners with young pets get insurance.  As far as the best pet insurance goes, Consumer Watchdog’s top three picks include: Healthy Paws, Pet Plan and Embrace Pet Insurance.   "To be honest, when I have owners come in who have pet insurance, it's a huge relief on my part,” says Dr. Weeks. “So, I can offer standards of care of medicine and do the best that we can for those patients."  1756

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

Hurricane warnings are up for some of the Louisiana gulf coast as Hurricane Delta is expected to cross the Gulf of Mexico and strike the state later this week.Hurricane Delta made landfall on Mexico's Yucatan Peninsula Wednesday morning and the National Hurricane Center (NHC) expects the storm to continue moving northward and bring "life-threatening" storm surge to the Gulf Coast late this week.According to the NHC, Delta made landfall near Puerto Morelos, Mexico with 110 mph winds, making it a strong Category 2 storm. The Yucatan Peninsula is home to many Mexican resort towns, including Cancún and Playa del Carmen. Belize, a coastal country on the southern part of the peninsula, may also feel effects from Delta.Hurricane Delta weakened to Category 1 status after it emerged off the Yucatan Peninsula into the Gulf of Mexico Wednesday afternoon. As of the 10 p.m. CT Wednesday advisory by the NHC, Delta had top winds of 90 mph.The storm is expected to regain major hurricane status on Thursday, but make landfall as a Category 2 hurricane on Friday somewhere along the Gulf Coast. A hurricane warning was issued late Wednesday for areas from the Texas/Louisiana border to Morgan City, Louisiana. While the center of Hurricane Delta is not expected to be as intense as when the storm had peak winds of 145 mph on Tuesday, the National Hurricane Center expects the storm to grow in size, spreading the impacts over a wide area of the coast. The National Hurricane Center said the growing hurricane will likely increase the storm surge and wind damage threats. Louisiana has taken the brunt of the impact of the 2020 hurricane season. Hurricanes Marco and Laura have already made landfall in the state, causing inland flooding and significant damage along the coast. Hurricane Sally also did significant damage nearby Gulf Shores, Alabama, when it made landfall in September.Between Monday afternoon and late Tuesday morning, Delta exploded from a tropical storm into one of the most powerful hurricanes of an active 2020 season. Only 2005 (with 28) has seen more named storms than the 25 totaled so far in 2020. 2128

Immediately following President Donald Trump’s decision to drop negotiations with House Democrats on a new stimulus deal, stocks dropped on Tuesday.The Dow Jones Industrial Average, which was up several hundred points earlier in the day, closed down 375 points following the announcement.The markets, which spent much of the summer rebounding after a sudden drop in value in March, have remained stagnant in recent weeks. In early September, the Dow Jones reached 29,000 points for the first since February. It appeared the Dow Jones Industrial Average was on its way to returning to pre-pandemic levels. But the Dow dropped in September, and closed at 27,772 on Tuesday.Trump said that he will not resume negotiations with House Democrats until after next month’s election, which is four weeks from today.Late last month, House Democrats passed a .2 trillion stimulus plan despite knowing it would not be entertained by the US Senate. The proposal still costs more than the White House has said it would like, but is down from the .4 trillion stimulus plan House Democrats passed back in May.In addition to another set of ,200 direct payments to millions of Americans, House Democrats propose using 5 million for education, more funding for the struggling airline industry, and 6 million for local governments. The set of proposals would also include a 0 per week unemployment supplement, which expired at the end of July. 1446