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If you thought your 2020 stress would magically disappear after the yelling stopped, you might have been surprised to find that you were still worried after the results of the presidential election.“For the majority of people, the stress actually didn’t decrease,” said Vaile Wright, a psychiatrist and also a member of the American Psychiatrist Association. The group recently released some numbers that might explain your extra high heart rate.According to the survey by the APA, 17% of Americans did have their stress go down. However, almost 30% said their stress increased.And it’s not a party issue. Over 80% of Democrats, Republicans, and Independents all listed the future of our nation as a significant source of stress“It’s not just whatever side won, it happens to be everybody right now really being concerned about the future of the nation,” said Wright.And three-fourths of Americans are still seriously stressed about the pandemic“We’ve seen increased levels of stress related to the federal response around the pandemic and that really does come down to the inconsistent messaging that we’re seeing. Different people are disproportionately affected by the pandemic specifically, but I don’t think anyone is related to the stress of it, especially as the numbers continue to climb,” said Wright.But it’s not all doom and gloom. Vaile says that there are some things happening that may help lower your blood pressure.“If we can hear some more good news, health news, like effective vaccines move to the market. The more that we have information that’s clear and consistent, that’s science based and that comes from reputable sources, I think those are the kinds of things that can reduce stress,” said Wright.Better coronavirus news combined with the possibility that President-elect Joe Biden can do a better job uniting the country can give Americans something to hope for as we head into 2021. 1918

If you've ever had a surgical procedure, you know it can often mean a high hospital bill. Now, more people are turning to surgery centers for a lower cost.Sandi Bowen is one of those people.Something as simple as picking out a shirt is more challenging for Bowen than she ever thought it'd be. On Easter, she found a lump in her breast. Doctors told her it was cancer."It was very very very confusing," Bowen says. "It still is. It brings tears to my eyes, because I don't understand how I got it."Instead of a lumpectomy, she decided to remove her entire breast. And instead of going to a hospital for breast reconstruction, Bowen opted for the Kaiser Permanente Ambulatory Surgery Center, where she got the surgery. In less than 24 hours, she was back home recovering.  "I felt very special," Bowen says. "They were there every time I moved. They came in and talked to me, even goofed around with me."Dr. Mike Sawyer, the director at the center, says they've worked hard to address concerns regarding patient care."If it's a patient that just needs physicians to kind of come to the bedside, and maybe we have to have some kind of intervention, we're able to do that because are here and we are present," Dr. Sawyer says. "On site, as they say. If it's really something that requires a higher level of care, that again allows us to do a pretty quick transfer process over to one of our partner hospitals."Compared with hospitals, Kaiser Permanente says its patients are seeing an average cost savings of 30 percent on their procedures. It can be anything from simple orthopedic procedure to joint procedures.However, Dr. Sawyer says there are important questions you need to ask before determining if a surgery center is the best option for you."Does your physician feel comfortable with this operation there?" Dr. Sawyer says. "Have you and your physician discussed all the ramifications of that procedure? And then what sort of plans does that ambulatory surgery center have if you were required a higher level of care?" 2037

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 room of blue serenity, Amelia Moutin prepares for 90 minutes of what she describes as a completely unique sensation.“I think if you let yourself go, it takes about 30 minutes, and then once you kind of settle in and let your mind and body meld together, it’s such a euphoric-relaxation experience that is like none other,” Moutin described.The practice is called floating.“Technically, you lay in 10 inches of water, and 1,100 pounds of Epsom salt. And so, with the buoyancy of the salt, you float right on top of the water,” Samana Float Center owner Heather Clift said.Another term for it is sensory deprivation. The 94-degree water makes it challenging to know where your skin and the water meet creating a feeling of weightlessness. Clift says it was created by a gentleman named John C. Lilly in the early 1950s.“Sensory deprivation is where we void you of all of your senses, so with no light and no sound, there’s no smells in the float tank and there’s no real feeling,” Clift said.Moutin has been floating for a year now, and she tries to go once a month.“It’s kind of like floating in your own little ocean, but you have no fear at all. There’s no sharks, there’s no tide, there’s no possibility of drowning, so there’s literally nothing that can take away from the experience,” Moutin said.With no distractions, Moutin says she’s able to completely let go, relieving herself from the stressors of life. According to Clift, floating can help people who live with anxiety, PTSD, high blood pressure and insomnia among many other things.“It takes you from your sympathetic nervous system, which is your fight or flight, that’s what keeps you alive, and it puts you into the parasympathetic nervous system. And that is called rest and digest,” Clift said.Clift says shutting down your nervous system causes your body to drop its cortisol levels and replace it with dopamine. Dopamine is the hormone that makes our body feel happy and satisfied. It also boosts your immune system.Before the pandemic even started, Clift says the self-cleaning process of the tanks was already very effective at killing germs.“So, if there was anything that could live in 1,100 pounds of Epsom salt, the hydrogen peroxide would cling to it, it would go through the filter, and the UV light would blow it up, so it is impeccably clean," Clift said.However, in case that’s not enough, they’ve also started using ozone to clean all surfaces.“It kills SARS, coronaviruses…up to 99 percent,” Clift said.Clift says many people have made floating a priority this year because they need it now more than ever. Moutin agrees.“Ultimately as a world, we’re experiencing a traumatic event together, and trauma creates stress and issues in our tissues as we like to say,” Moutin said.Even if you don’t notice any physical health benefits, Clift says floating is a great way to relax.“I tell you to take a nap on some water for 90 minutes. How often can you do that? It’s really a special thing. Everybody should float at least once in their life,” Clift said. 3047

In a sharp turn of events, a San Francisco judge denied Monsanto's request to nix a 0 million award to a man who said he got terminal cancer from Roundup weedkiller.But she's also slashing that man's punitive award down to about million.Former school groundskeeper Dewayne Johnson was the first cancer patient to take Monsanto to trial, claiming Roundup gave him non-Hodgkin's lymphoma.Jurors sided with Johnson and awarded him 0 million in punitive damages (to punish Monsanto) and about million in compensatory damages (for Johnson's lost income, pain and suffering).The jury's verdict came in August. But on October 10, the tide appeared to turn in Monsanto's favor.That's when Superior Court Judge Suzanne Bolanos issued a tentative ruling granting Monsanto's request for a JNOV -- a judgment notwithstanding verdict. That's basically when a judge in a civil case overrules the jury's decision.Bolanos said the plaintiff "presented no clear and convincing evidence of malice or oppression to support an award of punitive damages." In other words, Johnson's entire 0 million punitive award was in jeopardy.The judge gave attorneys on both sides a few days to respond and further make their cases.When she issued her final ruling Monday, Bolanos reversed her tentative ruling and denied Monsanto's request for a JNOV.But it wasn't a complete victory for Johnson. Instead of 9 million in combined damage awards, Johnson is slated to get a total of about million.Bolanos said the punitive award was too high and needed to match Johnson's million compensatory award."In enforcing due process limits, the court does not sit as a replacement for the jury but only as a check on arbitrary awards," Bolanos wrote in her ruling Monday."The punitive damages award must be constitutionally reduced to the maximum allowed by due process in this case -- ,253,209.35 -- equal to the amount of compensatory damages awarded by the jury based on its findings of harm to the plaintiff."Monsanto had also requested a new trial on the punitive damages. The judge said that request will be denied if Johnson accepts the smaller punitive award. If he does not accept the million punitive award, then a new trial would be set.The 1 million plummet in Johnson's punitive award caught some legal experts by surprise, including University of Richmond?law professor Carl Tobias."I am somewhat surprised, but the punitive damage award was high even though the (percentage of) reduction was steep," Tobias said. "No one thought the plaintiff would retain the whole (punitive damages) award." 2626

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