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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

I just found out the @USPS is sending this postcard to every household and PO Box in the nation. For states like Colorado where we send ballots to all voters, the information is not just confusing, it’s WRONG. (Thread) pic.twitter.com/RoTTeJRJVl— Jena Griswold (@JenaGriswold) September 12, 2020 303

IMPERIAL BEACH, Calif. (KGTV) - South Bay residents have an opportunity to sound off over the sewage coming up from Mexico, leading to beach closures.The U.S. section of the International Boundary and Water Commission is holding a forum on the topic Thursday. The sewage either comes from Tijuana runoff or the Punta Bandera treatment plant."I would love to surf everyday without worry," said Imperial Beach councilwoman Paloma Aguirre. "I would love for my friends to be able to take their babies to the beach, and sit on the sand and not worry about bacteria."Meanwhile, officials in Imperial Beach and Coronado are expressing new optimism. A meeting this week identified 0 million in projects that could help: funding still unclear.The meeting starts at 5:30 p.m. Thursday at the Tijuana Estuary Meeting Room, 301 Caspian Way in Imperial Beach. 859

IMPERIAL BEACH, Calif. (KGTV) -- San Diego County health officials announced that the first wave of Pfizer's COVID-19 vaccines would be distributed to UCSD Medical Center and Rady Children's Hospital.While COVID-19 remains at the forefront of everyone's mind, officials also remind people not to forget about the dangers of influenza. They say both illnesses should be taken seriously to avoid overcrowding hospitals.Recently, the Imperial Beach Recreation Center has been a COVID-19 testing site. But Saturday, it transformed into the county's free flu clinic."Every year, we encourage people to get the flu vaccine," San Diego County Chief Nursing Officer Dr. Denise Foster said. "This year, it's even more important because of the pandemic."Dr. Foster says with the FDA's Emergency Authorization of the Pfizer COVID-19 vaccine, the county is preparing for a large-scale roll-out by early next week. The first place to get a portion of the 28,000-dose county allocation will be UCSD Medical Center and Rady Children's Hospital."Just within a few days of that, we are going to get another allocation, which includes the county and some of the local hospitals directly," Dr. Foster said.But COVID is not their only focus. In the 2019 to 2020 flu season, more than 20,000 San Diegans got the flu. Of that, 108 people died.So far this year, the numbers are drastically lower due to social distancing and masking protocols. The county hopes to keep it that way. The idea is to keep people out of hospitals, whether it's for the flu or COVID.Christine Kelly brought her granddaughter to the clinic to get a flu shot."I've had a bad flu in the past to where I thought I was not going to make it," Kelly said.With the spread of COVID, she says she did not want to take any chances."We don't want to go anywhere near the hospital," Kelly said. "We want to save it for the people that need to be there."According to the county, 84% of ICU beds are already taken as of Dec. 11.Talks of COVID-19 vaccines are still in their infancy. But with Moderna and Astra Zeneca approvals also expected in the near future, the Imperial Beach Recreation Center could once again evolve, next time, into a COVID-19 vaccine site."It's very possible," Dr. Foster said. "Centers like this and many others."Tomorrow, the county will open another free flu clinic at the Tubman-Chavez Community Center from 9:30 a.m. to 4:00 p.m. 2406

Imagine arriving at the checkout line to use a gift card, only to realize the card is empty. It's the latest way scammers are hitting consumers, and it’s happening frequently.Now, one woman is suing Walmart over it.Although the company is not behind the scam, the woman claims Walmart is not doing enough to prevent these scams from happening. 351