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In a little more than a decade, more than 40 million diabetics worldwide could be left without insulin, the drug that is needed to help control the disease. It's a dire prediction from a study published in the journal Lancet Diabetes and Endocrinology that could have life-altering consequences. Health expert Dr. Dahlia Wachs likened insulin to being the key to a door. In most people, it's a naturally occurring hormone the pancreas secretes when we eat sugar so that it can go from the bloodstream and into our cells.But it's a different matter for the millions of people whose bodies either don't make insulin or who have insulin resistance."Type 1 diabetics — they are very dependent on insulin," Wachs said. "They don't make insulin. They get very skinny and we have to give them insulin. There really isn't a lot of other treatments for these Type 1 diabetics.”A shortage of insulin in drug form poses major challenges. "So those with Type 2 diabetes, many of them can take pills, but if they are in poor control we have to give them insulin," Wachs said.Wachs said insulin is expensive to make. She says only three major pharmaceutical companies make it. And the demand isn't the highest here in the United States but other parts of the world, including Africa and Asia. However, the U.S. will have the third highest number of people living with diabetes by 2030.Diabetes is growing at an epidemic rate in the U.S. More than 12 percent of the adult population in Nevada is diabetic, according to the Centers for Disease Control. Every year, 10,000 people are diagnosed with diabetes and an estimated 75,000 have diabetes and don't know it. "So what can we do to prevent the shortage? Well, try to prevent diabetes," she said.That means controlling obesity, exercising and eating healthy. 1943

How do you like them apples?Apple just became the first American public company to cross trillion in value.The iPhone maker achieved that big number on Thursday when the stock passed 7.04 a share. Apple is now up more than 20% this year.Shares surged after Apple reported earnings that topped forecasts and a healthy outlook on Wednesday.Even though some think Apple needs a new product to keep sales and profits booming, Apple has rallied past the trillion level thanks to solid sales of the iPhone 8 and X -- particularly in China and Japan -- and surging services revenue from the App Store.Related: Apple is showering its investors with cashApple is benefiting from investor euphoria surrounding the tech sector broadly as well -- and it could soon have company in the trillion dollar club.Amazon, Google owner Alphabet and Microsoft have all rallied to near record highs this year, too. Amazon is worth nearly 0 billion while Google and Microsoft are each now worth more than 0 billion.Apple is not the first publicly traded company in the world to surpass the trillion dollar mark though.Oil giant PetroChina briefly topped a trillion dollar valuation in 2007 when its stock began trading in Shanghai, but shares quickly plunged afterward. PetroChina, which is also listed on the New York Stock Exchange, is now worth about 5 billion.The-CNN-Wire 1375

If you are thinking of taking the next step with your significant other, Oscar Mayer wants to help make your wedding proposal unique.The company announced on Wednesday that you could rent out the Wienermobile to be used for proposals.The promotional idea came when a driver of the Wienermobile, Zach N Cheese, used the 27-foot-long hot dog on wheels as a backdrop when he proposed to his girlfriend at Yellowstone National Park. 436

If Halloween is your excuse for endlessly indulging in candy (and of course it is), go slow on the black licorice.Just as it does each Halloween, the Food and Drug Administration has posted a reminder on its website urging folks to keep their black licorice consumption to a minimum.The reasoning? Too much of the old-fashioned favorite can cause health problems such as irregular heart rhythm, especially in people over 40.Black licorice contains a sweetening compound called glycyrrhizin, which can cause a drop in potassium levels. With low levels, some people might experience high blood pressure, swelling and even congestive heart failure, the FDA says.The good news is that potassium levels return to normal after you stop eating copious amounts of black licorice.So, here are some tips from the FDA:-- Don't eat too much of the stuff at one go.-- If you have been eating a lot of it, especially if you have irregular heart rhythm or muscle weakness, stop (and call your doctor). 994

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