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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

House Speaker Nancy Pelosi is questioning President Donald Trump’s fitness to serve, announcing legislation Thursday that would create a commission to allow Congress to intervene under the 25th Amendment to the Constitution and remove the president from executive duties.Just weeks before the Nov. 3 election, Pelosi said Trump needs to disclose more about his health after his COVID-19 diagnosis. She noted Trump’s “strange tweet” halting talks on a new coronavirus aid package — he subsequently tried to reverse course — and said Americans need to know when, exactly, he first contracted COVID as others in the White House became infected. On Friday, she plans to roll out the legislation that would launch the commission for review.“The public needs to know the health condition of the president,” Pelosi said, later invoking the 25th Amendment, which allows a president’s cabinet or Congress to intervene when a president is unable to conduct the duties of the office.Trump responded swiftly via Twitter.“Crazy Nancy is the one who should be under observation. They don’t call her Crazy for nothing!” the president said.The president’s opponents have discussed invoking the 25th Amendment for some time, but are raising it now, so close to Election Day, as the campaigns are fast turning into a referendum on Trump’s handling of the coronavirus pandemic. More than 210,000 Americans have died and millions more infected by the virus that shows no signs of abating heading into what public health experts warn will be a difficult flu season and winter.Trump says he “feels great” after being hospitalized and is back at work in the White House. But his doctors have given mixed signals about his diagnosis and treatment. Trump plans to resume campaigning soon.Congress is not in legislative session, and so any serious consideration of the measure, let alone votes in the House or Senate, is unlikely. But the bill serves as a political tool to stoke questions about Trump’s health as his own White House is hit by an outbreak infecting top aides, staff and visitors, including senators.In a stunning admission, Senate Majority Leader Mitch McConnell said Thursday that he had stopped going to the White House two months ago because he disagreed with its coronavirus protocols. His last visit was Aug. 6.“My impression was their approach to how to handle this was different from mine and what I insisted we do in the Senate, which is to wear a mask and practice social distancing,” McConnell said at a campaign stop in northern Kentucky for his own reelection.On Friday, Pelosi along with Rep. Jamie Raskin, D-Md., a constitutional law professor, plan to roll out the legislation that would create a commission as outlined under the 25th Amendment, which was passed by Congress and ratified in 1967 as way to ensure a continuity of power in the aftermath of President John F. Kennedy’s assassination.It says the vice president and a majority of principal officers of the executive departments “or of such other body as Congress” may by law provide a declaration to Congress that the president “is unable to discharge the powers and duties of his office.” At that point, the vice president would immediately assume the powers of acting president.Trump abruptly halted talks this week on the new COVID aid package, sending the economy reeling, his GOP allies scrambling and leaving millions of Americans without additional support. Then he immediately reversed course and tried to kickstart talks.It all came in a head-spinning series of tweets and comments days after he returned to the White House after his hospitalization with COVID-19.First, Trump told the Republican leaders in Congress on Tuesday to quit negotiating on an aid package. By Wednesday he was trying to bring everyone back to the table for his priority items — including ,200 stimulus checks for almost all adult Americans.Pelosi said Thursday that Democrats are “still at the table” and her office resumed conversations with top negotiator Treasury Secretary Steven Mnuchin.She said she told Mnuchin she was willing to consider a measure to prop up the airline industry, which is facing widespread layoffs. But that aid, she said, must go alongside broader legislation that includes the kind of COVID testing, tracing and health practices that Democrats say are needed as part of a national strategy to “crush the virus.”Normally, the high stakes and splintered politics ahead of an election could provide grounds for a robust package. But with other Republicans refusing to spend more money, it appears no relief will be coming with Americans already beginning early voting.Democrats have made it clear they will not do a piecemeal approach until the Trump administration signs off on a broader, comprehensive plan they are proposing for virus testing, tracing and other actions to stop its spread. They have scaled back a trillion measure to a .2 trillion proposal. The White House presented a .6 trillion counter offer. Talks were ongoing when Trump shut them down.“There’s no question that the proximity to the election has made this much more challenging,” McConnell said.___Associated Press writers Bruce Schreiner in Frankfort, Kentucky, and Laurie Kellman and Pamananda Rama in Washington contributed to this report. 5313

HOUSTON — Houston Texans star defensive end J.J. Watt provided a one-year update on the funds donated to victims of Hurricane Harvey, and the numbers are astounding.Hurricane Harvey, which struck Houston on the morning of Aug. 26, 2017, quickly became the most deadly and costly hurricane in American history after inflicting nearly 0 billion in damages and taking an estimated 88 lives. During one of Houston's worst disasters, Watt was a shining light. He raised .6 million for victims affected by Hurricane Harvey, far surpassing his initial goal of 0,000. 591

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

I will not stand for this.. This is completely insensitive to everything going on in society, and it’s unacceptable. I will not be doing anything with Oklahoma State until things CHANGE. https://t.co/psxPn4Khoq— Chuba Hubbard (@Hubbard_RMN) June 15, 2020 262