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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 thought it was going to be a wonderful day. My high school, Marjory Stoneman Douglas, was full of cheerful students -- many of whom were celebrating Valentine's Day with one another. Even those who didn't have a Valentine seemed like they could find reasons to smile.  283

If you're looking for the perfect gift for the ranch dressing lover in your life, Hidden Valley may have the perfect gifts for you.As part of the company's holiday outlet, they are offering a mini ranch keg. The mini keg is 9.7 inches high and 6.3 inches in diameter and holds up to five liters of ranch. It includes a year supply of Hidden Valley ranch and costs . You have to pre-order it with shipping on Dec. 1.If the keg doesn't fit your style, they also offer a Hidden Valley ranch fountain with a holiday skirt for 0, an ugly Christmas sweater for and a pair of ranch-themed socks for .You can check out Hidden Valley's entire holiday outlet here. 680

In a small town in Utah, life moves at a slower pace, and social distancing there is easy.“I think it’s quiet,” said Kelton Wells. “I think it’s a beautiful valley and I just love it up here.”Wells owns Keystone Cabinets, where he employs 12 people, including Ned Miller.“I’ve lived here in the valley my whole life,” said Miller. “It’s fun because I can create what I consider works of art.”In a flurry of dust and noise, solid pieces of wood transform, all while people keep their distance.“We have a little bit better spacing here. We don’t have the close shoulder-to-shoulder contact that somebody would over there, Miller said as he motioned with his hand towards JBS Beef Plant.“I feel bad for the people who work there.”Meatpacking may be a world away from cabinetry, but in terms of distance, they are practically neighbors.In June, COVID-19 swept through the facility, infecting nearly 300 of its workers, but the facility stayed open.“Nobody was running around in panic, throwing picket signs up and wanting everybody to put a ‘C’ on their forehead down at the plant,” Miller said with a smile. “I didn’t get that type of a feeling for it.”They still don’t.“What comes will come and we’ll take it as it goes, I guess,” Well said with a shrug of the shoulders. “I don’t think a lot of people were super alarmed by it.”In a town where everyone knows someone who works at the facility, there is a feeling of “life must go on.”“I mean, we all got to survive. Our work has to get done so we do what we can to keep it going and keep people happy,” Wells said.The CDC set up shop for weeks at the health department, making sure people in this community stayed safe and JBS stayed open.“We’ve got a good plan going with JBS,” Josh Greer, with Bear River Health Department, said. “(JBS) has got great controls in place.”The people in Hyrum, Utah are not alone.JBS has had outbreaks at plants in Colorado, Kentucky, Minnesota, Nebraska, Texas and Wisconsin.“I think people are just trying to do the best they can,” Wells said.In Hyrum, the work will go on, whether it is with meat or with wood.In a place where people come to escape the noise of city life, it is hard to escape the question on everyone’s minds.“When will we return to normal and what is the new normal going to be?” Miller asked. 2304

In Bucks County, Pennsylvania, prosecutors are arguing that 30-year-old Samantha Jones killed her 11-week-old son, R.J., by breastfeeding while using drugs.According to the criminal complaint, R.J. died from ingesting a "combination of fatal drugs through breast milk" and is being charged with criminal homicide.Jones' attorney, Louis Busico, said that Jones "absolutely, unequivocally loved that child" and never intended to harm him.According to an affidavit, Jones told investigators that about 3 a.m. April 2, she heard R.J. crying.He had been primarily breastfed, Jones said, but she had recently started using formula because she worried that he wasn't getting enough milk and wasn't sleeping. She was too tired to make a bottle of formula, according to the affidavit, so she decided to nurse him. She then dozed on and off for a few more hours.Before her husband, Vincent McGovern, left for the day, he made R.J. a bottle and left it with Jones. She remembers feeding R.J., putting him back in his bassinet around 6:30 a.m. and going back to sleep.In the affidavit, Jones said she woke up about an hour later and panicked when she saw that R.J. was pale and had bloody mucus coming out of his nose. Jones and her mother, who also lived in the house, called 911 and began CPR.R.J. was taken to a hospital by ambulance and pronounced dead by 8:30 a.m.According to the Bucks County Coroner's Office, the autopsy revealed traces of methadone, amphetamine and methamphetamine were found in the infant's blood and contributed to his death.The affidavit further noted that the examiner who performed the autopsy said "R.J. ingested the combination of fatal drugs through breast milk."According to the affidavit, Jones told the investigators that she had been prescribed methadone since pregnancy to help manage her addiction to opioid painkillers, but there is no mention of other drugs.Investigators say they tested the bottle last used to feed R.J., as well as the can of formula, and found no traces of illicit drugs.In a news release, Bucks County Deputy District Attorney Kristin M. McElroy said it is possible that Jones could face a murder charge that carries a mandatory life sentence. The prosecutor's office did not offer any additional comment.Since her arrest, Busico said, his client is "completely in a state of depression." He added that the charges and arrest kicked Jones when she was already down, dealing with the death of her child.When asked about amphetamine or methamphetamine drug use by Jones, Busico would not comment.Jones' preliminary hearing was set for Wednesday. Through her attorney, she declined to speak with CNN. 2666