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If you’re celebrating the holiday season at home this year because of the COVID-19 pandemic, then you probably aren’t using up your travel rewards points. Instead of watching those points languish, consider turning them into holiday gifts — you can stretch your budget while taking advantage of new offers from credit card issuers.Amid the pandemic, many card issuers are offering more flexibility when it comes to points redemptions, as well as extra statement credits. With 1 in 3 holiday shoppers who accrued credit card debt last holiday season still paying it off, using credit card rewards to finance gifts can be a great way to celebrate the season while avoiding additional debt.Here are some examples of offers you can take advantage of this year:Send a mealFor a limited time, if you have an eligible Capital One travel card, you can use miles to cover restaurant delivery and takeout purchases at a 1:1 rate. That means instead of using your miles to fly home to see family, you can use them to send them a nice holiday takeout meal. You could even join them for it over Zoom.Bank of America? is also offering temporary points-for-food conversions on some of its travel cards, and in some cases a statement credit. Similarly, Chase is allowing some cardholders to redeem points for statement credits against purchases made at grocery stores, restaurants (including takeout and delivery) and home improvement for a limited time.Make a donation in someone’s nameChase is allowing some cardholders to redeem points for statement credits when making donations to qualifying charitable organizations.Treat a friend to coffeeStarbucks credit card holders received 150 bonus Stars earlier this year as part of Chase’s efforts to help consumers during the pandemic. That equates to a handcrafted drink, hot breakfast or parfait — so if you haven’t redeemed those rewards yet, consider putting them toward a (socially distanced) holiday date with a friend.Gift a streaming serviceEight months into the pandemic, we’re still looking for new ways to keep ourselves entertained indoors. Several issuers have cards with temporary or ongoing offers that give you statement credits or bonus rewards for streaming.If you pay for someone else’s streaming service, you can reap the discount or rewards.Cover someone’s exercise programFor a limited time, some American Express cardholders can purchase a membership to at-home fitness program Variis by Equinox and earn statement credits each month. Terms apply. Or, if Peloton is more your speed, some Chase cards earn limited-time statement credits toward eligible memberships.Get cashSome cards also let you redeem travel points for cash back at the same rate.It’s not always the best redemption option. But at a time when travel options may be limited, it can help offset some of the costs of the holidays and even reduce your chances of accruing credit card debt from all that additional spending, which is a real gift to yourself.More From NerdWallet5 Minimalist Tips to Make the Holidays More AffordableCan I Get Preapproved for a Credit Card?7 Times You Might Want to Product-Change a Credit CardKimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. 3256

In Baltimore, there’s a man named Dwayne Benbow Jr., but you probably know him better as “The Funnel Cake King”.“We can say funnel cakes we got funnel cakes, we have gourmet funnel cakes over here,” he said. “It’s the same principals, it’s a hustling mentality.”On a sweltering Thursday afternoon, he laid out his plan to take fill the chessboard that is Baltimore City with young funnel cake knights.“Dispatch them, boom we got one at Greenmount. Her son is going to be on Greenmount her son right here he’s going to be on Pratt and Monroe.”The court started small but at this orientation, the number of young employees grew to over ten.“I kept seeing kids on their bikes kids they trying to get out. They ain’t trying to hear this stay in the house stuff.. everybody calling me like yo I’m tired of my kids, take my kids from me.”Ameen Bailey got the job because his mom reached out.“The funnel cake king he basically like a father figure to all the kids,” Ameen said. “He hires people so they don’t gotta be on the corner. He shows us how to make our own businesses and how to progress more.”His brother Amir Bailey will be working with him.“I’m learning how to keep myself in check, how to interact with others, and how to keep my areas clean,” Amir said.The head that bears the crown didn’t come this way.Before starting his first snowball stand outside of the Terra Cafe Benbow Jr. was in prison for 7 years.Taking that time to grow.“I want to barber school, computer repair, fiber optics,” Benbow Jr. said. “Got half of my degree in sociology so that means I know how to speak to individuals.”Jordan Matthews was the first Knight to join the court.“He’s a black-owned business and he’s helping people by taking them off the streets and helping them work and get that money for the summer and stuff,” Matthews said.Benbow Jr. said he kept coming around so he offered him a job.“Now Jordan is able to run all run operations by himself,” said Benbow Jr. “He doesn’t need no adult no supervision or anything out here.”Every Knight gets a binder with a schedule and the 3 simple principals they have to abide by.Check your hygiene and appearance always.Make eye contact with customers and number one- no belt no work.“We can’t get upset at nobody else if we’re not physically doing it,” said Benbow Jr. “If we’re not physically grabbing them and putting the belts on them. If we’re not putting notebooks in their hands.”Isiah Johnson is 13 and this is his first chance to earn a paycheck.“Just making me more responsible and teaching me how to save money and get it.”Grooming the brightest gems under his crown to build their own empires.“Helping my mom out around the house and outside,” said Kalani Bowen. “Make some money for myself, but also help my mom pay bills and stuff.”“I’m in JOTC right now so I want to go to the Army,” Ameen said.Dorrian Vaughn is the youngest knight at 10-years-old.He’s looking forward to learning and hopes he learns principals to carry with him when he gets his dream job way down the road.“A police officer either that or a fireman,” Vaughn said.There’s only so much ground one king can cover, and Benbow Jr. hopes more people take our young royalty and build them up.“Grabbing them while they are young pulling them in teaching them all that we can teach them and pass them to the next entrepreneur.”If you’re hungry from this article and want to find the Funnel Cake King follow him on any social media platform.WMAR's Eddie Kadhim first reported this story. 3505

If you're interested in fish who are scary-looking, poisonous and chock-full of elaborate defense mechanisms, look no further than the stonefish, a genus of fish that populate coastal waters of the Indo-Pacific region.As if their deadly venom and spiny exteriors weren't enough, scientists at the University of Kansas have found that stonefish also have a hidden switchblade on their face that they can flick out whenever they feel like they're in danger.Scientists call the bony, blade-like protrusion a "lachrymal saber," because it is located on a bone under the fish's eyes. Also, "lachrymal saber" is just a really metal-sounding name.William Leo Smith, associate curator and associate professor of ecology & evolutionary biology at KU, first started to understand how the lachrymal saber worked 15 years ago, when he was dissecting a stonefish he kept as a pet.This is a game-changerHe tells CNN the mechanism isn't just a cool new discovery (although it's that, too). It also changes the scientific understandings and classifications of this particular type of fish."It opens up these ideas of ecological questions. Muscular systems, bone systems, nervous systems all came together to form this. What led to its evolution or use?In other words, he says, "Why do we see this accumulation of so many horrible things on one fish?"The lachrymal saber is housed inside the fish's head, and they use their cheek muscles to deploy it. Though some stonefish are venomous, the saber is not.It could be a sex thing, tooSmith says he and his fellow researchers have reason to believe the saber isn't just for warding off predators: It could be a sex thing, too."There is evidence pushing towards that," he says. "They may use this in battles with other members of their species, like ram horns. It may also be involved in courtship behaviors."Oh, and the sabers glow."It's fluorescent green," Smith says. Since stonefish rely on camouflage for both protection and hunting prey, Smith doesn't think the fluorescence has a defensive purpose like, say, warning off predators.There are 134 described species of stonefish, and by Smith's observation, all of them have some form of lachrymal saber.  2202

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

In another sign of the times for retail, Lowe's is closing 51 North American stores.The home improvement chain said Monday that locations are underperforming and the decision will help the hardware chain focus on its most profitable stores and "improve the overall health of its store portfolio."Lowe's (LOW) is shutting down 20 stores in the U.S. and 31 in Canada. The company said that a "majority" of the shuttered stores are within 10 miles of another Lowe's location.The stores will be closed before Feb. 1, 2019. The company will try to find jobs at nearby stores for its employees affected by the closings."We believe our people are the foundation of our business and essential to our future growth," said CEO Marvin R. Ellison.Lowe's is struggling to keep up with its larger rival Home Depot. Ellison, who joined the company in May, has already made some big strategic decisions, including closing all of its Orchard Supply Hardware stores and slashing inventory at its Lowe's stores.The company cut its sales and profit outlook for the year. Its next earnings report is on November 20. 1102

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