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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 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

Hurricane Sally made landfall near Gulf Shores, Alabama, Wednesday morning, bringing with it Category 2-strength winds and life-threatening storm surge.The National Hurricane Center reports that the slow-moving storm made landfall at 5:45 a.m. ET with maximum sustained wind speeds of 105 mph.In an update published less than an hour before landfall, the NHC warned that "significant flash and urban flooding" was likely into inland Alabama and central Georgia.The storm is currently projected to slowly move eastward, carving through Alabama and central Georgia before reaching South Carolina by Friday afternoon. 622
HOUSTON (AP) — Despite the miles traveled, the tens of millions of dollars raised and the ceaseless churn of policy papers, the Democratic primary has been remarkably static for months with Joe Biden leading in polls and Elizabeth Warren and Bernie Sanders vying to be the progressive alternative. That stability is under threat on Thursday.All of the top presidential candidates will share a debate stage, a setting that could make it harder to avoid skirmishes among the early front-runners. The other seven candidates, meanwhile, are under growing pressure to prove they're still in the race to take on President Donald Trump next November.The debate in Houston comes at a pivotal point as many voters move past their summer vacations and start to pay closer attention to the campaign. With the audience getting bigger, the ranks of candidates shrinking and first votes approaching in five months, the stakes are rising."For a complete junkie or someone in the business, you already have an impression of everyone," said Howard Dean, who ran for president in 2004 and later chaired the Democratic National Committee. "But now you are going to see increasing scrutiny with other people coming in to take a closer look."The debate will air on a broadcast network with a post-Labor Day uptick in interest in the race, almost certainly giving the candidates their largest single audience yet. It's also the first debate of the 2020 cycle that's confined to one night after several candidates dropped out and others failed to meet new qualification standards.If nothing else, viewers will see the diversity of the modern Democratic Party. The debate, held on the campus of historically black Texas Southern University, features several women, people of color and a gay man, a striking contrast from the increasingly white and male Republican Party. It will unfold in a rapidly changing state that Democrats hope to eventually bring into their column.Perhaps the biggest question is how directly the candidates will attack one another. Some fights that were predicted in previous debates failed to materialize with candidates like Sanders and Warren in July joining forces to take on their rivals.The White House hopefuls and their campaigns are sending mixed messages about how eager they are to make frontal attacks on anyone other than President Donald Trump. That could mean the first meeting between Warren, the rising progressive calling for "big, structural change," and Biden, the more cautious but still ambitious establishmentarian, doesn't define the night. Or that Kamala Harris, the California senator, and Pete Buttigieg, the mayor of South Bend, Indiana, look to reclaim lost momentum not by punching upward but by reemphasizing their own visions for America.Biden, who has led most national and early state polls since he joined the field in April, is downplaying the prospects of a titanic clash with Warren, despite their well-established policy differences on health care, taxes and financial regulation."I'm just going to be me, and she'll be her, and let people make their judgments. I have great respect for her," Biden said recently as he campaigned in South Carolina.Warren says consistently that she has no interest in going after Democratic opponents.Yet both campaigns are also clear that they don't consider it a personal attack to draw sharp policy contrasts. Warren, who as a Harvard law professor once challenged then-Sen. Biden in a Capitol Hill hearing on bankruptcy law, has noted repeatedly that they have sharply diverging viewpoints. Her standard campaign pitch doesn't mention Biden but is built around a plea that the "time for small ideas is over," an implicit criticism of more moderate Democrats who want, for example, a public option health care plan instead of single-payer or who want to repeal Trump's 2017 tax cuts but not necessarily raise taxes further.Biden, likewise, doesn't often mention Warren or Sanders. But he regularly contrasts the price tag of his public option insurance proposal to the single-payer system that Warren and Sanders back. The former vice president, his aides say, is willing to have discussion over health care, including with Warren.Ahead of the debate, the Biden campaign also emphasized that he's released more than two decades of tax returns, in contrast to the president. That's a longer period than Warren, and it could reach back into part of her pre-Senate career when she did legal work that included some corporate law.Biden's campaign won't say that he'd initiate any look that far back into Warren's past, but in July, Biden was ready throughout the debate with specific counters for rivals who brought up weak spots in his record.There are indirect avenues to chipping away at Biden's advantages, said Democratic consultant Karen Finney, who advised Hillary Clinton in 2016. Finney noted Biden's consistent polling advantages on the question of which Democrat can defeat Trump.A Washington Post-ABC poll this week found that among Democrats and Democratic-leaning voters, Biden garnered 29% support overall. Meanwhile, 45% thought he had the best chance to beat Trump, even though just 24% identified him as the "best president for the country" among the primary field."That puts pressure on the others to explain how they can beat Trump," Finney said.Voters, Finney said, "want to see presidents on that stage," and Biden, as a known quantity, already reaches the threshold. "If you're going to beat him, you have to make your case."Some candidates say that's their preferred path.Harris, said spokesman Ian Sams, will "make the connection between (Trump's) hatred and division and our inability to get things done for the country."Buttigieg, meanwhile, will have an opportunity to use his argument for generational change as an indirect attack on the top tier. The mayor is 37. Biden, Sanders and Warren are 76, 78 and 70, respectively — hardly a contrast to the 73-year-old Trump.There's also potential home state drama with two Texans in the race. Former Rep. Beto O'Rourke and former Obama housing secretary Julian Castro clashed in an earlier debate over immigration. Castro has led the left flank on the issue with a proposal to decriminalize border crossings.For O'Rourke, it will be the first debate since a massacre in his hometown of El Paso prompted him to overhaul his campaign into a forceful call for sweeping gun restrictions, complete with regular use of the F-word in cable television interviews.O'Rourke has given no indication of whether he'll bring the rhetorical flourish to broadcast television. 6612
Immunotherapy has gained ground against a stubborn opponent: ovarian cancer. A personalized cancer vaccine is safe and may lengthen the lives of ovarian cancer patients, a small clinical trial found.The research, published Wednesday in the journal Science Translational Medicine, showed "significantly higher" overall survival at two years among patients who received the vaccine, compared with patients who did not.Ovarian cancer is a "silent killer" because often it goes unnoticed until it is diagnosed at a late stage. Treated with surgery followed by chemotherapy, most patients -- 85% -- relapse and ultimately develop resistance to the chemo. At this point, they run out of treatment options.Still, scientists are hopeful based on the fact that a subset of patients shows an immune response to their cancer. Generally, these patients have better survival rates than those whose immune systems don't react in the same way.A vaccine, then, might be able to trigger and boost the immune system and increase the survival rates of patients, said Dr. Lana Kandalaft, senior author of the new study and an adjunct assistant professor at the University of Pennsylvania Perelman School of Medicine. 1210
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