Dear Pay Dirt,My late husband left me several properties, and the passive income from those properties has allowed me to retire early. I told him flatly I have seen how his daughters live and I would rather turn live pigs loose in the house than let them step a foot inside. I understand he has a lot of guilt over letting his daughters live permanently with his ex while they were teens but they are in their late 20s now. AdvertisementAdvertisementMy question is about my credit card points. I have nearly $10,000 in unused points on my Bank of America Travel Card.