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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

If it's been a while since you've booked a flight, travel insurance is that thing that pops up at the end of a sale.“At the end, they’re going to say, ‘Hey, this many people bought travel insurance, don’t you want to buy travel insurance too?’ And I think a lot of people generally, before COVID, would think, ‘Oh they’re trying to upset me and move along,’” said Michael Parrish DuDell, chief strategy officer for Couponfollow.com. “But what we’re seeing, in fact, is that more and more people are saying, ‘I want that insurance I want to protect my future travel.’"Couponfollow.com was designed, DuDell said, to save consumers both time and money. He says the company is always asking consumers about their money and how they spend it.“As we looked closer at how people are traveling, where they were spending their money, where they were allocating their time, we found these little niche interesting areas,” DuDell said.He says those areas include things like travel insurance.“What we found is that 75% of people who had already booked flights had purchased trip insurance. That was a staggering number that is a 55% increase than what is thought of as the norm,” DuDell said.So, why the increase? Travel anxiety amid the pandemic is likely a big part of it.“There is so much uncertainty in the world right now, and of course that’s around the pandemic, but there’s other kinds of uncertainty too and I think people feel like they’re taking a strong risk in general when they’re traveling,” DuDell said. "So if they can mitigate risk in other areas, they’re willing to do that, to spend the money behind it.”Leslie Tayne, a financial attorney, author and frequent flier said, “There are a lot of caveats to whether travel insurance for airline purposes makes sense right now and frankly because the airlines allow you to make changes without a cost and last minute, there’s really almost no reason why you would get travel insurance.”She says these days, airlines are more accommodating than ever. And because there's been so much industry disruption surrounding travel, the future is being rewritten now.“I definitely believe they’re going to rewrite the travel insurance, they’re being investigated right now,” Tayne said. “It's being taken up in Congress in terms of the validity of the travel insurance and there’s some concern that travel insurance might be what’s termed either a ‘scam’ or a ‘money-making proposition’ that’s not really beneficial to the consumer.”In March, the House Oversight and Reform Subcommittee on Economic and Consumer Policy launched an investigation into whether travel insurance provided any “meaningful protection” for consumers. The investigation was spurred amid the onset of the coronavirus pandemic, when many travelers were canceling trips as states began implementing stay-at-home orders.“The evidence shows consumers are purchasing standard travel insurance products, thinking they will be covered if they cancel their trip because of coronavirus,” Rep. Raja Krishnamoorthi (D-IL), the subcommittee’s chair, said in March. “Yet, companies like Allianz, Travel Guard, and Generali are refusing to cover those claims. In the process they are encouraging dangerous travel.”So, when it comes to whether you "need" that insurance, Tayne says weigh your risks, consider where you're going and what you'll be doing.“My recommendation is to try to understand what the restrictions are and what you could use the insurance for when would it apply to you,” Tayne said.Tayne said if you're in a situation where it makes sense, don't make an insurance decision on emotion. Think of it as a business decision, and these days, we're all in the business of saving time and money. 3719

Hurricane Lane's outer bands have been pummeling Hawaii's Big Island with rain Thursday, triggering landslides and threatening serious flooding as the Category 4 cyclone moves perilously close to the Aloha State.The center of the storm — which could become the first major cyclone to make landfall in the state in 26 years — is expected to move very close to the main islands or cross land Thursday through Friday, forecasters said.It could be so devastating that authorities are urging residents to set aside two weeks' worth of food and water."Be prepared to shelter in place with 14 days of food supplies and water and any other necessities," Hawaii Gov. David Ige said at a news conference Wednesday.Track the stormThe storm's center, with maximum sustained winds near 130 mph, was in the Pacific about 210 miles south-southwest of the Big Island town of Kailua-Kona around 5 a.m. HT Thursday (11 a.m. ET).Landslides are a concern, with 10-30 inches of rain forecast through the weekend -- and slides already were happening on the Big Island as the storm's outer bands hit Thursday morning.On the Big Island's northern tip, landslides were blocking parts of Route 19, the county civil defense agency said.About 7 to 12 inches of rain already had fallen on parts of the Big Island by early Thursday, the National Weather Service office in Honolulu said.Buses around Honolulu have been picking up residents in need and taking them to shelters. All public schools canceled classes until further notice, and many state employees have been asked to stay home.Tropical storm force winds (39-73 mph) stretch out to 140 miles, so even if the hurricane doesn't make landfall, it could have widespread impact. Lane threatens to bring dangerous winds, landslides, rough surf and major flooding.All of the islands are under weather alerts.A hurricane warning is in effect for the Big Island as well as Maui County and Oahu -- meaning hurricane conditions are expected there. Kauai and Niihau are under a hurricane watch, meaning hurricane conditions are possible and that winds of at least 39 mph are anticipated in the comings days. 2133

In a heartbreaking Instagram post, Chrissy Teigen shared Thursday that she had suffered a miscarriage."We are shocked and in the kind of deep pain you only hear about, the kind of pain we’ve never felt before," Teigen wrote.The model and TV personality and her husband, singer John Legend, announced in August that they were expecting their third child. But earlier this week, Teigen was rushed to the hospital shortly after revealing that she had been on bed rest and had suffered bleeding for about a month.In her Instagram post, Teigen wrote that doctors were unable to stop the bleeding and give her baby the fluids he needed "despite bags and bags of blood transfusions."While Teigen wrote that she and her husband don't pick names for their children "until the last possible minute," she said that she had been calling her unborn son Jack."He will always be Jack to us," she wrote. "Jack worked so hard to be a part of our little family, and he will be, forever."Teigen closed her post with thanks to "everyone who has been sending us positive energy, thoughts and prayers.""We are so grateful for the life we have, for our wonderful babies Luna and Miles, for all the amazing things we’ve been able to experience," Teigen wrote. "But everyday can’t be full of sunshine. On this darkest of days, we will grieve, we will cry our eyes out. But we will hug and love each other harder and get through it.""We love you, Jack," Legend added in a retweet of his wife's post. 1481

If you're a night owl, you may want to consider spending your winters in northern Alaska.Utqiagvik, Alaska, formerly known as Barrow, experienced its last sunrise and sunset on Sunday for about two months.The town of about 4,000 people is now beginning its 65-day period of darkness, known as polar night.Polar night is a common term in places that don't experience sunrise for more than 24 hours, according to CNN meteorologist Judson Jones."This happens every year," Jones said. "If you live above the Arctic Circle, there will be a day when the sun sets for the rest of winter. The good news? It will return and then during the summer when it won't set for days."The northern third of Alaska lies above the Arctic Circle, the ring of latitude that encircles the frigid Arctic polar region.Although Utqiagvik is not the only Alaskan town to experience this phenomenon, it is the first one on the polar night location list because of how far north it is.For about one to two months, the residents of Kaktovik, Point Hope and Anaktuvuk Pass will also be without the sun. Their final sunsets will happen between late November and early December, according to CNN affiliate KTUU.The sun officially set at 1:43 p.m. Sunday in Utqiagvik, starting its 65-day hiatus from the town. It won't peek above the horizon again until January 23, 2019.The-CNN-Wire 1357