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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

In an interview this week, Donald Trump Jr. said he is waiting for “due process” in the case against a teenager accused of shooting three demonstrators in Kenosha, Wisconsin, killing two, and seemed to refer to being at the protests and the shootings as “stupid things.”The president’s son was talking to ExtraTV about his book, “Liberal Privilege: Joe Biden and the Democrats Defense of the Indefensible.”The show’s host, Rachel Lindsay, asked Trump about the Black Lives Matter movement, as racial tensions and violence at some demonstrations are brought up at President Trump and Former Vice President Joe Biden’s campaign events.After initial questions about what Trump Jr. thought of the movement, Lindsay asked, “The phrase 'Black Lives Matter…' do you understand what that means and what the fight is for it?"“Of course. And I agree with it,” Trump Jr. said, “It’s a very good marketing message, it's a great catchphrase, but that doesn't back up a lot of the political ideology behind it.”Lindsay then asks about his reaction to events in Kenosha. Jacob Blake, 29, was shot several times in the back by a Kenosha police officer. He is recovering in the hospital after his spinal cord was severed.Video of the shooting went viral and sparked demonstrations for several nights in Kenosha. It also inspired professional athletes to cancel practices and games the week of the shooting, to urge their leagues and fans to think about social injustice issues. A few nights after Blake’s shooting, investigators say 17-year-old Kyle Rittenhouse drove to Kenosha from his home in Illinois with an AR-15. He allegedly shot three demonstrators, two of them died.Rittenhouse was arrested at his home and faces five criminal counts including intentional homicide and reckless homicide.On a visit to Kenosha, President Trump visited with police officers and business owners whose stores had been damaged by protesters. He said he did not meet with the Blake family because they wanted a lawyer present for the meeting.Lindsay pressed Trump Jr. on why the administration has not spoken out about what happened to Blake, or the demonstrators who were shot."But why hasn't the Trump Administration or President Trump condemned what happened in Kenosha with Kyle Rittenhouse… coming across state lines and… murdering two people and injuring another [at a protest]?” Lindsay asked.“We're waiting for due process. We're not jumping to a conclusion… If I put myself in Kyle Rittenhouse['s shoes], maybe I shouldn't have been there. He's a young kid. I don't want young kids running around the streets with AR-15s… Maybe I wouldn't have put myself in that situation — who knows...? We all do stupid things at 17,” Trump Jr. replied.“It's a little beyond stupid," Lindsay responded.“Really stupid — fine. But we all have to let due process play out and let due process take its course,” Trump Jr. said. 2895

Hundreds of people had their homes foreclosed on after software used by Wells Fargo incorrectly denied them mortgage modifications.The embattled bank revealed the issue in a regulatory filing this week and said it has set aside million to compensate customers affected by the glitch.The same filing also disclosed that Wells Fargo is facing "formal or informal inquiries or investigations" from unnamed government agencies over how the company purchased federal low-income housing tax credits. The document states the probes are linked to "the financing of low income housing developments," but does not offer further details. 637

Hundreds gathered at a house party in Howell Township on Sunday, less than a week after New Jersey tightened indoor gathering restrictions because of an increase in the rate of coronavirus transmission.Local police asked for help from Wall, Brick, Jackson, Freehold, Monmouth, and Ocean County Sheriffs and State Police because of the large number of people at the party. There were about 300 people at the party."Most of the attendees are compliant," police said. "Others are hesitant and are directing their anger towards the host who charged admission."Police arrested the host."At one point, we probably had about 500 people here," said Howell Police Sgt. Christian Antunez. "When we got here there were party buses dropping people off."Police said there was admission to get in — for women and for men."Some paid up to 0 for a cabana rental," said Antunez.A flier advertising the pool party on Wilson Drive lists prices and a DJ."I was in disbelief," said Pam Borges, who struggled to get into her own neighborhood when police blocked off all the streets. "My neighbors were talking about them urinating on their cars."It took police two hours to break it up.On Monday, Gov. Phil Murphy attributed many coronavirus cases in the state to parties."We believe that some of this increase is attributable to the number of indoor house parties we’ve been seeing across the state. Indoor gatherings are not safe," he said.This story was originally reported by Aliza Chasan and Christie Duffy at WPIX. 1517

HOUSTON (AP) — A passenger who put a camera in an airplane bathroom on a California-to-Texas flight has pleaded guilty and could be deported.Choon Ping Lee, a 50-year-old Malaysian man, pleaded guilty to video voyeurism on Tuesday. A judge in Houston sentenced Lee to two months in prison and a ,000 fine.The Justice Department says Lee acknowledged installing a camera in the first-class bathroom of a United Airlines flight from San Diego to Houston on May 5.RELATED: Man charged after video camera found in bathroom of United flight leaving San DiegoA female passenger found the device, with a blinking blue light, dangling near the door. Lee was identified by his clothing and jewelry in images captured on the device.Lee was in custody since his Aug. 7 arrest. The Justice Department says he's not a U.S. citizen and is expected to face removal proceedings. 872

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