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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

In a college town like San Luis Obispo, California, the local economy relies heavily on student spending.Since the pandemic hit in mid-March, however, COVID-19 has been costing colleges and this community big bucks.“It’s affected us business-wise; it’s not as many employees nor as many students,” said Darnell Harris, manager of Firestone Grill.Harris says pre-COVID, the college hotspot was selling up to 3,000 meals a day. Now, that number has been cut almost in half.“It affects me and it hits me because it is my livelihood,” Harris said. “This is what I’ve done for a living for 25 years.”Coronavirus concerns have resulted in fewer college students living in this area, especially on campus at nearby California Polytechnic State University, San Luis Obispo.“I can’t remember the last time a had a full night’s sleep,” said Keith Humphrey, Cal Poly Vice President of Student Affairs.Humphrey is projecting a million operating deficit for 2020-21 after the college refunded about million in student rent and food plans after the school went all online back in March.With the dorms now about half full, Cal Poly is spending about 5,000 a month in COVID testing.“There’s no playbook or script for something like this,” Humphrey said. “We will be okay. We budget for rainy days. It’s raining.”San Luis Obispo city leaders say the last economic impact report shows Cal Poly’s and nearby Cuesta College’s direct impact to this entire region was worth .1 billion.With more classes being taught virtually, some students say the cost of college during this crisis doesn’t add up.“It’s not worth it to pay out-of-state tuition to essentially have online school,” said Keaton Foster-Adams, who left the University of Colorado, Boulder and returned to his hometown on California’s Central Coast, where he’s now studying automotive technology at Cuesta College.“I’m hesitant to go back just because I’m feeling less and less connected to what I was doing there,” Foster-Adams said of CU Boulder. “I’m kind of thinking about just going to a trade school at this point.”The California State University system, which includes Cal Poly, SLO, is the nation’s largest four-year public university system.It recently announced classes will continue being held online during the upcoming spring term, which means an economic rebound for college towns could take a while.Despite the economic challenges college towns are facing, businesses like Firestone Grill are focusing on keeping people healthy and keeping their doors open.“As long as we stay together, we’ll make it to the end of this,” Harris said. “We’ll get back to whatever our new normal is going to be.” 2671

Hundreds of flights were canceled and 14 million people were under a blizzard warning Sunday as a storm brought snow, wind and rain to large stretches of the Midwest.Kansas Gov. Jeff Colyer issued a state of emergency declaration for the state.Kansas City International Airport was closed to flights arriving on the airfield due to low visibility caused by weather conditions and limited visibility under a quarter-mile, according to an airport tweet.The Kansas Division of Emergency Management's Twitter page said the declaration "authorizes the use of state resources and personnel to assist with response and recovery operations in affected counties.""We strongly recommend that you postpone travel plans, if possible; however, if you must be on the road, make sure your vehicle's emergency kit is stocked, your gas tank is full and your cell phone and charger are with you and someone knows your travel plans," the declaration reads.Multiple roads are closed across the state due to whiteout conditions, according to the KanDrive website.The weather system was forecast to move into the Great Lakes region before hitting the Northeast on Monday, according to CNN meteorologist Haley Brink.Due to the addition of Cook County, Illinois, the number of people under blizzard warnings jumped from 8 million to 14 million. The National Weather Service office in Chicago said the worst will come late Sunday.Nearly 20 million people were under a high-wind advisory. This includes residents of Kansas and some in parts of Missouri, Nebraska and Iowa.Fort Hays State University student Brooks Barber captured the blizzard conditions in Hays, Kansas, on Sunday morning. Streets were dark, and many were without power, he said.The National Weather Service's Topeka office posted a video of near-blizzard conditions.Whiteout conditions brought low visibility to the small town of Chariton, Iowa, which is an hour south of Des Moines.The region could see whiteouts and slick roads throughout Sunday, making travel difficult if not impossible at times, Brink said."It's pretty treacherous travel conditions," she said.Forecasts say snowfall totals of 6 to 10 inches are possible across the Midwest. Some areas could receive as much as a foot of snow within the next 24 to 36 hours.By Monday, Brink said, the storm will have moved into the Northeast. Parts of New England could see snow, while cities along the coast are forecast to receive heavy rain.Also, 17 million people are under wind advisories. Sustained winds of between 30 and 45 mph are anticipated, with the possibility of 65 mph gusts.The storm's impacts have been felt already by travelers on the final days of the Thanksgiving holiday rush. Nearly 1,000 US flights had been canceled by late afternoon Sunday, with delays to 3,100 flights, according to flight-tracking website FlightAware. Most were at Chicago's O'Hare International and Midway airports.And an approximately 60-mile stretch of Interstate 70 in Kansas has been closed, according to a tweet from the state's Department of Transportation, from WaKeeney to Russell. 3089

How do astronauts go to the bathroom? It’s a question children have wondered for years, and now NASA wants help creating a better way.In a statement posted on their website, NASA is calling on the entire world to submit design concepts for compact toilets that can operate in both microgravity and lunar gravity.NASA is preparing to return to the Moon by 2024 as part of project Artemis, and as they upgrade other aspects of the flight, they are seeking new ideas for toilet facilities when astronauts are in the cabin and out of their spacesuits.Specially-designed toilets exist on the International Space Station already, however according to NASA, they were designed for microgravity only.NASA and HeroX are offering financial and merchandise rewards for winning design concepts in this Lunar Loo contest.Details about how to enter the contest can be found here. 873

HOUSTON — An Associated Press review of medical records for four detained immigrant women and interviews with lawyers have revealed growing allegations that a gynecologist performed surgeries and other procedures that the women never sought or didn't fully understand.Dr. Mahendra Amin was linked this week to allegations of unwanted hysterectomies performed on immigrant women at Irwin County Detention Center in Georgia.Some procedures could be justified based on problems noted in the medical records, but lawyers and medical experts say the women's lack of consent or knowledge raises severe legal and ethical issues.Amin provided gynecological treatment or performed surgery on eight women dating back to 2017, including one hysterectomy, according to an attorney an immigration and civil rights lawyer working with attorneys to investigate medical treatment at the detention center.The AP's report comes days after a nurse's complaint at the detention center was widely published. Dawn Wooten claimed that many immigrant women were taken to an unidentified doctor she called the "uterus collector" because of how many hysterectomies he performed.In an interview with The Intercept, Amin said he performed "one or two hysterectomies in the past three years." HIs lawyer told the AP that Amin was looking forward to the "facts coming out," and claimed that he would be cleared of wrongdoing.The AP did not find evidence of the "mass hysterectomies" that Wooten alleged. Wooten's complaint prompted outrage from Democrats and an investigation by the Department of Homeland Security's Inspector General.LaSalle Corrections, the private prison company that operates the jail, "strongly" refuted the "allegations and any implications of misconduct." Tony Pham, the acting director of Immigration and Customs Enforcement, said that if the allegations were true, he would make necessary corrections and "continue to prioritize the health, welfare and safety of ICE detainees." 1982