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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 sea of graduation caps, how do you stand out? Increasingly, students are decorating their caps to showcase some part of their life.UNLV professor and folklorist Sheila Bock began studying trends behind graduation caps after she first arrived in Las Vegas in 2011. She began formally researching in 2015, taking photos from around the country and interviewing students on their graduation cap design choices."So one category is one of celebration and optimism and looking into the future, 'I did this', 'the best is yet to come', which isn't that surprising because that's kinda the whole point of the graduation ceremony," Bock said.Some examples include "Today is a perfect day to start living your dreams" or "Adventure is out there." While Bock said many celebrate "education as this stepping stone towards people's own individualized version of pursuing the American Dream," she also found a lot of examples of people pushing back against that story, rather by "Game of Loans" referencing college loan debt or highlighting the less positive aspects of their college experience. "Family relationships, whether they have kids, whether they have been dealing with a brain tumor, this is a space where students or graduates are really trying to highlight 'I did this' and here are the struggles I had to go through in order to get to this moment," Bock said, also noting that some students use the caps as a memorial to family and friends they've lost. But one thing she has noticed in the past few years is the caps have started to take more of a lean toward the political. Bock noted that there has been a long tradition of political themes, dating back to the 1960s and caps decorated with peace signs in reference to the Vietnam War. "It's not to say people weren't doing it before but I'm seeing it happen as a more widespread practice. People are asserting overtly political messages, like Black Lives Matter," she said. "Or making references to language from the political landscape, 'nevertheless she persisted.' Or calling attention to specific identities that have recently become very politicized, immigrant identities."Hashtags on social media, such as #Immigrad and #Latinxgrad, also inspire others of similar identities to create their own caps, Bock said."They want to use this space of the graduation ceremony, this space of celebration, this space to recognize accomplishment, to make themselves visible," she said. "To make these marginalized identities visible and say I'm in this space, I belong in this space and I want to make myself known."But what about students who decide not to decorate their caps? "The main reason is that people feel this sense of formality to the ceremony that they would like to keep intact," Bock said. "Oftentimes, it's not necessarily that they see other people decorating their cap that they're doing something wrong. They're saying I don't have something to say badly enough to put it on a cap and kind of disrupt the formality of the occasion."The majority of the caps Bock and her student assistants have documented so far are from UNLV, along with some from Ohio State University, where Bock received her graduate degrees. Bock approached the university's Center for Folklore Studies to create a digital archive of her materials.Officially titled “Decorated Mortarboards: Forms and Meanings,” the project invites participation through surveys, interviews, and social media posts with #gradcaptraditions.Bock emphasized any graduate, no matter when or where they graduated, is welcome to share their caps. More information can be found here. 3644

If you've seen all those stories about tiny homes and are thinking about whether the lifestyle would work for you, don't take HGTV's word for it - ask someone who, four years ago, built one herself, downsized in a big way, and still lives in one now! Kristina Guerrero talked to Jenna Spesard of Tiny House, Giant Journey to get the truth about 3 things it takes to live tiny. 384

IMPERIAL BEACH (KGTV) - Medical examiners identified the body found floating off-shore in Imperial Beach as 29-year-old Zabiullah Rahmani.Rahmani leaves behind a wife of nearly ten years and two 7-year-old twin daughters. Ramzia Rahmani tells 10News, "I can say it was horrible and it still is." Less than a week since she lost her husband and the feelings are still raw, "The fire is burning in my chest whenever I see my girls ask about their father. It'ss too hard to face their questions, it's hard to answer their questions about their dad."She tells 10News, her husband left Saturday night to hangout with friends down in Imperial Beach. She says he was planning to be home for midnight but the hours after turned into Monday, "The doorbell rang and I saw there was two police officers and I felt bad. I thought maybe something happened to my husband." Thinking something bad but never imagining it would end up being her worst nightmare, "It's hard for me to believe hes not with me anymore." Thankfully she has support from family members like Zabi's cousin, "I'll try my best to be like a father to Zabi's kids and treat them the same way I treat my kids." A GoFundMe page has been set up for the family as they try to put together the pieces from here, "When we left Afghanistan he was like, we are going to have a bright future over there." Now, rebuilding that future without their husband and father. 1422

If we're sick, we don't think twice about seeing a doctor. Health experts say we need to start looking at obesity the same way. One woman has turned her life around. And as she's lost weight, she's gained so much more."We're grazers," Marcie Weiler recalls. "I was brought up just (hands to mouth motion) mindlessly. Totally mindlessly just pop it in."That's how Weiler grew up thinking about food. And after a few serious injuries?"My coping mechanism was soda pop and food of course," Weiler says.At her heaviest, she weighed 300 pounds."I just thought, 'Oh my God, I'm going to keep getting bigger,'" Weiler saysShe's not alone. Obesity rates in the United States are at all time high. 40 percent of all Americans are considered obese and 20 percent morbidly obese."It affects cardiovascular health," says Dr. John Weaver, a general and bariatric surgeon with Presbyterian / St. Luke's Medical Center. "It affects you know pulmonary health and diabetes it affects joint pain and problems."Dr. Weaver says the effects can be serious, and potentially deadly. A new study found improvements in mortality rates are slowing, obesity is the main cause, and many people look the other way."Only 20 to 30 percent of people who are obese had even talked to their doctor about their obesity," Dr. Weaver says. "And the problems that go along with being obese."Dr. Weaver says it is possible to be overweight and healthy, but your body mass index can let you know for sure. And once you've figured that out, beating obesity isn't just about cutting calories and working out. There's a new understanding that the biggest challenge, is revamping your lifestyle."It's an entire body change," Dr. Weaver says. "It's not just an eating habit it's changing your eating habits but it's changing how you perceive food. And everything that goes along with food."That's what Weiler has done. Along with bariatric surgery, she has lost more than 100 pounds. But that's not the only thing that's changed."My general opinion of myself," Weiler says.Reversing a trend, for a healthier and potentially longer life. 2099

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