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NEW YORK (AP) — Workers have installed nearly 200 glittering Waterford crystal triangles on Times Square's New Year's Eve ball in preparation for a pandemic-limited celebration. The ball is a 12-foot geodesic sphere covered with more than 2,000 crystal triangles of various sizes. Some new crystals are swapped in every year. This year's addition features a new “Gift of Happiness” design represented by a sunburst of bright cuts radiating outward. The ball blazing with more than 32,000 LED lights will be dropped at 11:59 p.m. on New Year's Eve to ring in 2021. 571

Nine months into the COVID-19 pandemic and many people are inching by by making minimum payments on credit cards.But with Pandemic Emergency Unemployment Compensation set to expire next month, staying in good standing with your credit card companies may be getting harder.Many credit card companies are willing to set up a payment plan and waive fees or lower interests on your payments for a certain period of time, but there’s always fine print. There are other options without impacting your credit score.Getting by by making minimum payments on her credit cards, Jana Krause is feeling financially strapped."I'm finding myself in a position that I was able to make my credit card payments on time. Now I'm concerned that that’s not going to be a happening thing coming up in the next months," Krause said.With the Pandemic Emergency Unemployment Compensation set to expire next month, Krause reached out to her credit card companies hoping she can lower her minimum payments without having to go into a hardship program that would freeze her account and potentially impact her credit score."I'm stuck between a rock and a hard place," Krause said. "I've never experienced something like this in my life. I've never been out of a job."At 74, Krause is considered high risk for COVID-19, and going back to teaching wellness classes is not an option for her.Sara Rathner, a credit card expert at the finance company Nerd Wallet, said Krause is not alone."You can look into other options to free up cash in your budget to fulfill other obligations," Rathner said. "Turn to your utility companies, your landlord, your mortgage company, see what sorts of help they can provide. Maybe by freeing up cash in that way you’ll still be able to meet the minimum payments on your credit card."And if that’s not possible, research personal loans or debt consolidation programs. But beware of scams."You can start with non-profit credit counseling that can help you come up with a debt repayment plan and debt consolidation, or even just get help reworking your budget to see if you can free up money to pay your bills," Rathner said.Krause said she’s already cost-conscious doing groceries."I'm not going to one of my favorite stores and getting my favorite treats, nothing. I mean, all that’s been cut out," Krause said.Hardship payments programs may not be for everyone, but Rathner said weigh your priorities before you knock it."In an emergency, your credit score doesn’t need to be your first priority," Rathner said. "You can get yourself into a more stable situation and then focus on rebuilding your credit from there. Right now if what you need to do is keep a roof over your head, keep the lights on, and keep food on the table, that’s your number one priority."This story was first reported by Michelle Quesada at WPTV in West Palm Beach, Florida. 2856

NEW ORLEANS (AP) — A New Orleans trumpeter is offering kids trumpets in exchange for guns. Shamarr Allen tells news agencies that he has a 9-year-old son and started the project last week, the day after a 9-year-old boy was shot and killed. He says the trumpet changed his life when he was 12 or 13 and started playing for tips in the French Quarter — and he wants to give other kids a chance. An online fundraiser, that had a goal of raising ,500, raised more than ,000 in just four days.According to the fundraiser, The Trumpet is My Weapon Gun Exchange Program is raising money to purchase trumpets, which go for about 0 each.Allen says several musicians have agreed to offer free virtual lessons to kids who get the trumpets. 744

NEW YORK (AP) — It’s baby No. 3 for John Legend and Chrissy Teigen. The couple revealed they are expecting in Legend’s new video for the song “Wild,” which premiered Thursday and features Teigen and Legend holding her baby bump at the end of the clip. The video also features their 4-year-old daughter Luna and 2-year-old son Miles. “Wild,” featuring Grammy-winning singer-guitarist Gary Clark Jr., is from Legend’s recent album “Bigger Love.” The video, shot in Mexico, was directed by Nabil Elderkin, who introduced Legend to Teigen 14 years ago. Legend and Teigen were married in 2013. 596

New York Democratic congressional nominee Alexandria Ocasio-Cortez will win her general election race easily and become the youngest woman ever in Congress, CNN has projected.Having turned 29 last month, Ocasio-Cortez will inch out the previous holder of the distinction, New York Democratic Rep. Elise Stefanik, who was elected to Congress at age 30.Ocasio-Cortez defeated New York Democratic Rep. Joe Crowley in the primary election earlier this year. The victory was considered a stunner and helped make Ocasio-Cortez a national political figure.Crowley was the No. 4 Democrat in the House and seen as a potential speaker one day. His loss effectively handed the seat to Ocasio-Cortez, a Latina who has become a key left-wing voice.Ocasio-Cortez ran unabashedly to Crowley's left in the New York City district and previously worked as an organizer on Vermont independent Sen. Bernie Sanders' presidential campaign. She is the daughter of Puerto Rican parents and a member of the Democratic Socialists of America.The-CNN-Wire 1035