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The majority of Americans typically don’t use all their paid time off. That’s been a worrying trend in past years that could lead to potential burnout or resentment as employees don’t take full advantage of compensation they’re entitled to.But in a year where people traveled significantly less than they used to, millennials are actually taking more time off for the 2020 holidays than they did in past years.This December, 50% of millennials say they plan on taking more time off from work than previous years. And these days, it’s mainly to de-stress from 2020. That’s according to data collected as part of the December 2020 Amex Trendex report, which in November 2020 polled 2,000 U.S. adults who traveled by air at least once in 2019 and have an annual household income of at least ,000.That demographic includes people like Jeff McNeal, a self-described “prototypical millennial side hustler” who works full-time as a project manager for a commercial roofing company and runs a small business selling crickets online. It’s been a year of ups and downs for Pennsylvania-based McNeal, who said business at his roofing company tanked early in the pandemic when most business came to a standstill. But regular roof work still needs to get done, which led to twice the usual work in the second half of the year.“In mid-July, people started asking for site visits,” McNeal says. “I was finally getting work, which was great. But then next thing I know, I’m getting too much business. Now, I’m like, how am I going to get this all scheduled? We were working weekends, second shifts and oddball hours. But we had to because we were trying to make up for a lost quarter of revenue.”His cricket business has had equal ups and downs. All that, plus 35-year-old McNeal is a dad of three kids under the age of nine.“During the last two weeks of December, all I’m doing is lounging around my house in my sweatpants,” he says. “I’ll do some occasional chores, but aside from that, I plan on sleeping in and getting caught up with TV shows I’ve missed out on and books I haven’t had a chance to read.”De-stressing from everything 2020When Teena Merlan takes a staycation, it’s typically one day off at a time for self-care, like a trip to the spa. This December, spas are closed where she lives in California due to COVID-19 restrictions. Instead, she’s taking time off from her job working in product management at a startup to stay at home. She has no plans of how she’ll spend the time, aside from putting the finishing touches on a book about minimalism that she’s set to publish soon.“This year has been so difficult,” Merlan says. “What wasn’t stressful about 2020? The election. Civil unrest. Pandemic. Family issues. My husband’s company had layoffs. Any one of those things is difficult on its own, but with everything piled on top of everything else, it’s just a heavy burden.”Merlan said this year made her even more aware of the fact that no job is ever secure, which in turn also made her more aware of the importance of one of her company’s benefits — unlimited paid time off.“I want to take advantage of being able to take time off and still get paid for it,” she says. “I just really need to unwind.”Staycations at a hotel, 15-minutes awayCorritta Lewis was one of the millions of Americans who lost her job during the pandemic. With no job, Lewis packed up her family and moved to Mexico — a big reason being that she said she could reduce her cost of living by 75%.While Mexico has been a positive for Lewis and her family, it’s also brought its own challenges: She’s already gone through two hurricanes in the four months since living there, and she’s learning to adapt to cultural differences, like the fact that her new home has no oven (something common to Mexican homes).Since moving to Mexico, she’s found a California-based job that allows her to work remotely. While she’s relieved to have a job, she’s now navigating working at a new company, living in a new country and raising a two-year-old.Lewis, who runs a travel blog on the side, will still be “traveling” in a sense this December, but there’s no airplane — or even a car — involved. Lewis, her wife and son will spend the holidays at an all-inclusive resort located just a 15-minute walk from their home.Lewis doesn’t usually stay at all-inclusive hotels, and she describes herself as “kind of cheap.” But with no need to cook or clean, plus free babysitting services at the resort, Lewis decided it was worth it to end 2020 on a more relaxing note.Still, she wonders if taking time off so quickly after starting a new job is the right thing to do.“There’s a little bit of guilt there, even with the full disclosure to my company that this was planned ahead of time,” she says. “But especially this year, we’ve learned how important it is to spend time with family.”Millennials are catching up to older generationsIt’s not that people don’t take days off because they don’t have paid time off available. On average, employees earned 23.9 days of PTO in 2018, according to 2019 research from the U.S. Travel Association, Oxford Economics and Ipsos. But those days aren’t being used, and U.S. workers are actually using a lesser share of their days off — 27.2% of PTO went unused in 2018, up from 25.9% in 2017.Still, the bulk of vacation days that are used are being taken by older workers. Only 21% of millennials took 10 to 19 days off in 2018 versus 35% of baby boomers. So, in some ways, millennials are simply catching up to older generations in terms of taking time off.A millennial trendBut the trend of taking time off of work specifically to de-stress in December is largely unique to millennials. While 50% of millennials said they’d be taking more time off work this December than in previous years to de-stress from 2020, just 31% of all adults surveyed said the same.Consider it one more thing to add to the list of positive trends to come out of 2020, like waived airline change fees, improved hotel cancellation policies and better airplane sanitization. And perhaps more encouraging — those same millennials are already planning travel for the 2021 holiday season.“I’m excited for my staycation because I can lounge around, but this won’t be permanent,” McNeal says. “I want to get out again.”For Lewis, that means achieving a goal to hit every Legoland theme park in the world. They visited Legoland California during the 2019 holiday season and managed to get to Legoland Florida during the pandemic. Next year, she hopes it’s safe to travel beyond North America, as she’s got her eyes on the theme parks in Japan and Denmark.“We want to travel around the world,” Lewis says. “Our destinations may change slightly, but we are absolutely going to do it.”More From NerdWalletNerdWallet Travel Writers Offer Their 2021 ResolutionsChange of Plans: How the Pandemic Disrupts Holiday TravelHow to Make Use of the Points and Miles From a Deceased Family Member’s AccountSally French writes for NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 7053

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The owner of a?dog that was stolen Saturday evening from a Petco in Palm Beach Gardens was reunited with her pet Tuesday morning.The dog's owner, Tara Harris, said police called her in the middle of the night to say they found her pet Maltese-mix named Teddy. Harris arrived at the Palm Beach Gardens police station at about 5 a.m. local time to pickup Teddy, who is 11-years-old, blind and diabetic.Palm Beach Gardens police said they arrested Heather Ryan, 48, who had the dog in her possession. Circumstances of the arrest have not been released by police. However, police said Ryan was arrested near Legacy Place off PGA Boulevard and charged with grand theft.Harris wanted to thank police and the public for their help reuniting her with Teddy.“I’ll never be able to put into words how unbelievably amazing it was (to be reunited with Teddy)," Harris said. "I can’t express into words how happy I am to have him back in my arms with my family."The dog, which lost 1.2 pounds in three days, was taken to a veterinarian to be evaluated. Teddy was slightly dehydrated when he was found overnight and is now on an IV since his blood sugar levels were high.   1247

The Kilauea volcano has spewed lava and molten rock into neighborhoods in Hawaii's Big Island for three months. Now the area faces a new threat as Hurricane Hector heads in that direction.Hector was a Category 3 storm early Sunday as it churned toward the Hawaiian Islands, an archipelago that includes the Big Island.The Hawaiian Islands were placed on alert as Hector inched toward the central Pacific with maximum sustained winds of 125 mph. 452

The new Apple iPhone X (pronounced "ten") is made of glass on the front and back and has wireless charging.The device and Apple Power, the wireless charging dock that charges multiple things at once, were introduced Tuesday at an Apple event. The waterproof iPhone X doesn't include a home button — users will swipe up to access the phone, which also has facial recognition unlocking."Animoji" is part of the phone — it's a new feature on the phone that animates facial expressions.Apple's iPhone X will be available for purchase on Oct. 27.The iPhone 8 was also unveiled at the event, and it has a starting price of 9. Apple's new iPhones are designed for augmented reality.The latest version of Apple Watch was unveiled as well. CEO Tim Cook called the device the best-selling watch in the world.The waterproof Apple Watch has an even greater focus on fitness and health. For example, it flags users when it detects an elevated pulse. 972