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If you’ve been thinking about buying a car, experts say now is the time to shop. Dealers are offering more incentives than ever before to get drivers back on the road, and because of the coronavirus, you can stay home and find a good deal.“It’s the way the world is going now,” said recent car buyer, Stephanie Given. “Everything’s online.”Given is an ICU nurse working on the frontline of the pandemic, and in the midst of the health crisis, badly needed a new car.“We needed that second vehicle, the more reliable vehicle that we knew would be reliable in this time,” said Given.Her nearly 15-year-old ride was giving out, but, walking in to a dealership made Given anxious. “I have been under a little stress in my work life and personal life, and I was kind of dreading the stress of buying a car,” she said.So, she started her search online. “I found the car online through the Carmax app, and I was kind of let down when I saw the car was in Las Vegas, and it was just a couple seconds and they said, ‘We can ship it to you,’ and I said, ‘What? That’s amazing!’” said Given. Not only did she find the car she was looking for online, she did all the paperwork at home. “I kind of had a hybrid experience. I did my part online and then came to the dealership to pick up and take possession of the car,” she said.Given’s experience is now becoming the norm. Dealers are making it possible to do everything, from shopping to financing, from your couch. Some dealers, like Carmax, will even drop off the car at your door.“We want to take the scary four-hour dealership visit that you’d expect, and allow you to do as many things as you want at home,” said Corey Haire, the Vice President of sales at Carmax.“You can do everything from a virtual walk around where they’ll walk around the vehicle with a facetime phone call and take direction from the consumer as to what they want to look closer at,” said Karl Brauer, an Executive Publisher at Kelley Blue Book and Autotrader.Brauer believes this new way of doing business is here to stay. “I think it’s proving more efficient on both sides,” he said.Brauer said the car industry is expecting to see a big bounce back through the summer and fall. “People are moving into more confident, purchasing mindsets,” he said.According to Brauer, new car sales are down by about 31% compared to spring 2019, but used car sales haven’t taken such a hit—down only about 6%.“I think there are a lot of people are thinking maybe they want their own personal vehicle in lieu of public transportation, but these people aren’t buying a car because they’ve dreamed of one or have wanted one, this is purely for functional purposes,” said Brauer.So if you’re looking for a deal, Brauer said the first step is research, and then, look for combined offers.“We’ve seen deals for 0% financing, which were getting pretty rare recently. We’ve seen deals like deferred payments for three to four months, but we’ve hardly ever seen both of those at the same time,” said Brauer. Some dealers are offering longer term loans too. “If you’re looking at a new vehicle, and one of these 0% 72 or 84-month loans are available to you, that’s real money you’re saving over that kind of time,” he said.If you want the new car smell without the new car price, check out a 2019 model. “They were going to be hard to sell anyways with the 2020 cars coming out, but now they’re even harder to sell with all the incentives going on for the new cars,” he said.Brauer reminds buyers that, with any purchase, make sure you’re financially ready. For Given, she said the car and the price were just right, and the online process sweetened the deal.“I do think it was a little bit of retail therapy. I did something for me during this time, and I needed to do that, but it also filled a need, so it was a win-win,” she said.Need help researching the best car for you? Visit resources HERE. For tips on the car buying process, click HERE. 3949

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

How do you re-capture a gigantic runaway pig?According to the San Bernardino County Sheriff's Department, deputies received a call on Saturday that a pig "the size of a mini horse" was roaming a local neighborhood.Deputies were quickly able to track down the swine and determined where he lived, but still had to figure out how to corral him and get him home. It turns out, pigs don't need to be corralled if there are Doritos on hand.According to the San Bernardino Sheriff's Office, Deputy Ponce had a bag of Doritos on hand in her lunch box and was able to lure the pig back to his home by laying a trail of chips on the street.The pig made it safely home and deputies were able to secure the gate. Ponce called the journey "fun."The Doritos appeared to be of the Cool Ranch variety. It's unclear if the pig would have been swayed by Nacho Cheese chips.  880

In a debate that featured frequent interruptions, President Donald Trump and former Vice President Joe Biden sparred for the first of three meetings between the two candidates.Despite frequent interruptions and personal attacks, several important questions on policy were asked, but not always answered.1) Biden opposes Green New DealBiden said he is not in favor of the so-called “Green New Deal,” and instead prefers the “Biden Plan.” But on Biden’s website, he says, “Biden believes the Green New Deal is a crucial framework for meeting the climate challenges we face.”During Tuesday’s debate, Biden said, "No, I don't support the Green New Deal. I support the Biden plan I put forward, which is different than what he calls the radical Green New Deal."When pressed on the cost of his plan, Biden said his plan would add millions of jobs."We are going to be in a position where we can create good jobs by making sure the environment is clean and we are all in better shape," Biden said.2) A vaccine is coming, Trump saysTrump said that the US will see coronavirus vaccines faster than some public health experts say the country should expect to see them.“We have our military that delivers soldiers and they can do 200,000 a day,” Trump said.Trump said that the federal response to the coroanvirus has saved thousands of lives."We got the gowns, we got the masks, we made ventilators, you wouldn't have made ventilators, and now we are weeks away from the vaccine, we are doing therapeutics already, fewer people are dying when they get sick, far fewer people are dying. We've done a great job," Trump said.3) Biden won’t answer if he’d pack the Supreme CourtAs Senate Democrats have toyed with the idea of adding Supreme Court justices if he is elected along with a Democratic-majority Senate, Biden would not answer whether he would agree with the plan.“Whatever position I take on that, that will become the issue,” Biden said. “The issue is, the American people should speak. You should go out and vote. You're in voting now.”Trump then pressed Biden to answer the question, Biden responded, "Will you shut up, man?"4) Trump lacks specifics on health care planTrump was pressed by moderator Chris Wallace to explain how he would replace the Affordable Care Act if given a second term. Trump has been trying to get the remaining provisions of the act revoked in federal court after getting the individual mandate struck down.Trump signed an executive order in July to offer Medicare prescription drug rebates. The effects of that rebate are too early to tell.“I'm cutting drug prices into going,” Trump said, "which no president has encouraged to do because you are going against big pharma. At the prices, they will be coming down 80 to 90%. You could have done it during your 47 year period in government, but you didn't do it. Nobody has done it.”“He has no plan for healthcare,” Biden responded. “He sends out wishful thinking. He has executive orders that have no power. He hasn't lowered drug costs for anybody. He has been promising the plan since he got elected. He has none, almost like everything else he talks about. He does not have a plan.”5) Biden, Trump disagree on trusting election resultsWhile Biden said he would accept the results of the upcoming election once the votes are counted, Trump would not make the same declaration.“The fact is I will accept it and he will too. You know why? Because once the winner is declared after all the, all the ballots are counted, all the votes are counted. That'll be the end of it. That will be the end of it,” Biden said.Trump said that the Supreme Court might need to be involved with the election.“ I think I'm counting on them to look at the ballots, definitely. I don't think, well, I hope we don't need them in terms of the election itself, but for the ballots, I think so," Trump said. 3864

In an interview with ABC News and the Louisville Courier-Journal, one of the Louisville police officers involved in the raid that led to the death of Breonna Taylor claims his team knocked on Taylor's door six times and said the fatal shooting could have been avoided if officers did not allow time for Taylor and her boyfriend to come to the door.Sgt. Jonathan Mattingly spoke with ABC News and the Courier-Journal for two hours on Tuesday — the same day a grand juror spoke publicly about the case for the first time. Mattingly said police officers believed that Taylor was the only person in the apartment when they served the no-knock warrant on her apartment."We expected that Breonna was going to be there by herself. That's why we gave her so much time. And in my opinion, that was a mistake," Mattingly told ABC News.He said if he could have done anything differently that evening, officers would have breached Taylor's apartment without giving time for her or her boyfriend, Kenneth Walker, to react."What would I have done differently, the answer to that is simple now that I've been thinking about it. Number one, we would have either served the no-knock warrant or we would have done the normal thing we do, which is five to 10 seconds. To not give people time to formulate a plan, not give people time to get their senses so they have an idea of what they're doing. Because if that had happened, Breonna Taylor would be alive, 100 percent."Mattingly claims officers involved in the raid knocked on Taylor's door six different times."So we get up, I remember banging on the door, it's open hand, hard smack, bam, bam, bam, bam. First time, didn't announce. Just hoping she would come to the door," Mattingly said.He also claims that at one point, they "repeatedly" yelled "police, search warrant!"Walker and 11 other people interviewed by police said they did not hear officers identify themselves. Only one other person in the apartment complex corroborated police claims that they identified themselves.Walker says he assumed the police officers were intruders and grabbed his gun to protect himself and Taylor. When officers breached Taylor's door, Walker fired at them. Mattingly was the only officer injured during the shooting."As soon as I felt the smack on my leg and the heat, I — boom, boom — returned four return shots, four shots," he said. "I reached down and felt my leg. I could feel a handful of blood and the heat — I thought my femoral artery. I said I can't stand up because I'm going to pump the blood out if I keep pushing forward."Mattingly also took issue with Walker's claim that he fired a "warning shot," saying that his stance indicated that he was ready to fire at officers.Mattingly was able to limp out of the apartment and was later taken to the hospital. He didn't learn of Taylor's death until he got out of surgery the next day."My first question was, 'Did she have a gun? Was she a shooter?' Because I didn't know what took place after I moved out," Mattingly said."I feel for her. I hurt for her mother and for her sisters," he added. "It's not just a passing 'Oh, this is part of the job, we did it and move on.' It's not like that. I mean Breonna Taylor is now attached to me for the rest of my life. And that's not again, 'Woe is me.' That's me feeling for them. That's me having a heart and a soul, going as a parent, 'How do you move on?' I don't know. I don't want to experience it."Taylor's case has become a touchstone case across the country amid a summer of unrest. For months, protests took place nightly in Louisville as demonstrators called for justice.Mattingly told ABC News that despite calls for police reform to address questions of systemic racism, Taylor's shooting had nothing to do with her race."It's not a race thing like people want to try to make it out to be. It's not. This is a point where we were doing our job, we gave too much time when we go in, I get shot, we returned fire," Mattingly said. "This is not us going, hunting somebody down. This is not kneeling on a neck. It's nothing like that."Mattingly and his fellow officers will not face homicide charges in connection with Taylor's death. Kentucky Attorney General Daniel Cameron, who led the investigation, claims officers were justified in their actions because Walker fired at them.Mattingly's interview came the same day that a grand juror in Taylor's case spoke publicly and claimed that he and others on the grand jury were not given the opportunity to consider homicide charges against the police officers.Only one police officer, Brett Hankison, faces charges in connection with the case. He's charged with endangering Taylor's neighbors by firing his gun at the building.In the days leading up to the grand jury decision, Mattingly sent an email to hundreds of his coworkers criticizing the city's mayor and other officials for their handling of the case."It's sad how the good guys are demonized, and criminals are canonized," Mattingly said in the email. "Put that aside for a while keep your focus and do your jobs that you are trained and capable of doing." 5115

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