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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

IMPERIAL BEACH, Calif. (KGTV) - A South Bay family is mourning the death of a popular airport worker to COVID-19.Ana Carina's first symptoms were a sore throat and a cough. Days later, in late July, she couldn't catch her breath."She says she felt she like had asthma. That's when we got concerned," said daughter Karen Miraflores.She says family members brought her mother to an ER, where she was quickly admitted, testing positive for COVID-19. A week later, she was placed in a ventilator."I got scared, became uncomfortable and uneasy," said her daughter.After a month on the ventilator, Carina actually tested negative for COVID-19, but her lungs were too badly damaged. This past Sunday, Carina, a mother of three adult children, passed away at the age of 56."We were all wishing this was just a dream. She was the sweetest. She would call us randomly just to tell her she loved us," said Karen."I just miss her so much. She was so nice and selfless," said Carina's son Luis Miraflores, choking back tears.For nearly a decade, Carina worked at the airport in customer service for an airline, well-liked by co-workers and passengers."Her legacy lives on in the people that she touched," said Karen.Her family can't figure out how she contracted coronavirus. Her hours at work had been greatly reduced. She lived with her children, and they all kept close to their Imperial Beach home. When she did go out, she carried a bag of safety supplies."A Ziploc bag that had santizies, gloves, extra masks," said Karen.In the end, Carina would contract a virus that killed her, despite having no pre-existing conditions."My message is that this is real," said Luis.Luis says he is frustrated when he sees people not wearing masks and not social distancing."Please wear masks. Do everything you can ... This virus is evil. It destroys your body and your family. Everything," said Luis.A Gofundme campaign has been set up to help the family with funeral expenses. 1965

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

If you weren't able to make it to the failed Fyre Festival, the U.S. Marshals are making it possible for you to own a piece of merchandise from the botched 2017 music festival.Consumers will be able to purchase t-shirts, baseball caps, and other merchandise online through the U.S. Marshals' auctioneer, Gaston & Sheehan. 333

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

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