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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
IMPERIAL BEACH, Calif. (KGTV) - Surveillance cameras captured a bizarre and dangerous accident in the South Bay. Darell Salondaguit has twelve surveillance cameras posted around his home at the corner of 15th Street and Imperial Beach Boulevard. He was taking a shower around eleven p.m. Monday when he heard a noise. "We heard a really big thud and thought it was cats in the backyard," said Salondaguit.When he woke up Tuesday morning, he discovered his wooden fence, potted plants, and palm tree were severely damaged. When he played back his cameras, he was shocked at what he saw. "Just a tire flying across from over there, crashing through here," described Salondaguit.The tire flew off of a car on Imperial Beach Boulevard, rolled across 15th Street and crashed through his fence. The cameras also show a man and a woman, casually step over the damaged fence, pick up the tire and leave."They had to come through the yard and get their tire, they didn't bother knocking or anything," said Salondaguit.He filed a report with the Sheriff's Department and hopes the people responsible will come forward."It was like really scary, cause I tend to check the plants at nighttime to see if they're properly watered because we have an automatic watering system. Well, if I was out here, I'd probably be seriously injured, or even dead, cause that thing was going really fast." 1388

IMPERIAL BEACH, Calif. (KGTV) - An altercation over a mask turned ugly at an Imperial Beach taco shop on Thursday night.Just before 10 p.m. at Don Pancho's Taco Shop, surveillance video shows a customer at the walk-up order window. He's using his shirt and sleeve to cover his face."Our cashier says he has to wear a proper face mask. The customer gets upset. The cashier offers a face mask that we have on hand for those who don't have masks. He thinks about it and gets upset," said manager Myra Espinoza.In the video, the man waves his hand, apparently waving off the mask offer, before he begins walking away. Moments later, there is a loud sound."He heard something hit the window, and the window falling and shattering down," said Espinoza.The video revealed the cause: the man took his skateboard and thrust into one of the restaurant's windows."It hurts. That's like my house. It's so disrespectful. I wouldn't go to his house and break his window," said Espinoza.Espinoza says it's not the first time someone has gotten upset over the mask policy."We have sliding windows. One gentleman grabbed the sliding windows so hard, it bounced back," said Espinoza.Still, those types of incidents are rare. Thursday's vandalism is the first time things have turned destructive."It's uncalled for and unnecessary. We're all trying to what's best and keep people safe," said Espinoza.The vandalism totaled about 0 dollars in damage. Anyone with information is asked to call the Imperial Beach Sheriff's Station at 619-498-2400. 1536
HUD Secretary Ben Carson directly offered condolences to the family of Jacob Blake after Blake was shot seven times by Kenosha Police officer Rusten Sheskey on Sunday. Carson’s comments come on the fourth night of the Republican National Convention. While Republicans have blasted the Black Lives Matter movement night after night, there had largely been no mention of the incidents that triggered the summer of unrest across the US. 441
How would you like to make an extra ,000 a week doing easy tasks you already know how to do? Smartphone applications are making things easy for those looking to make money at home.If you love dogs, ‘Wag’ is for you. The app is like Uber for dog walkers. Rocio Irun uses the ‘Wag’ app on her free time walking other people’s dogs.“I love dogs this app was an opportunity for me to make some extra income on the side and spend time with puppies,” Irun said.It’s easy to sign up for the app. Irun said, it’s competitive once you become a walker.“It’s hard because there are a lot of people dog walking, so you will have to compete against those other people and be really fast at accepting a dog walk," Irun said. If walking dogs isn’t your thing, there are other task apps to try. ‘Gigwalk’ will connect you with nearby businesses looking for extra help. ‘IPoll’ will pay you to take surveys. ‘Loot’ will have you taking pictures of your favorite brands and post them all over social media.Then there is ‘Task Rabbit.’ The app will allow you to sign up for a wide range of jobs like, putting together a dresser, yard work, cleaning or mounting a piece of art on a wall for someone.All of these apps notify you when a potential job opens up near by. You then select the one you want. Then, confirm the details with your client. After that, you simply show up and do the task to get paid. 1405
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