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Financial fallout from the pandemic is hitting millennials hard — and many will soon turn to their parents for help, if they haven’t already.Before parents ride to the rescue, financial planners urge them to map out a strategy that doesn’t just plug a short-term need but also makes sense in the long run.“Often the heartstrings will get pulled — ‘I really have to help them!’— but it can be detrimental to the parent,” says certified financial planner Jeffrey L. Corliss of Westport, Connecticut.(Of course, financial aid can flow the other way, as many millennials help support their parents. I’m addressing parents here, but most of the advice applies to kids helping their folks as well.)Millennials losing jobs, incomeEven before the pandemic, millennials had lower median incomes, far more debt and a much smaller slice of the nation’s wealth than boomers had at the same age. Millennials — usually defined as those ages 24 to 39 — are more likely than older generations to have lost jobs or household income because of the pandemic, various surveys show.“I’ve already seen clients coming in, worried about their kids,” says CFP Deborah Badillo of Miami. “‘They’re going to lose the house! What can I do to help them?’”Have them explore alternativesEncourage your kids to take full advantage of available financial help before extending yours, Badillo says. They may not know, for example, that unemployment benefits have been dramatically expanded because of the pandemic. Weekly payments are higher and are available to people who normally wouldn’t qualify, including gig workers, the self-employed and people whose hours have been reduced.In addition, there are many more options for people struggling to pay debt. Most mortgages qualify for forbearance programs that allow homeowners to skip payments for up to a year. Hardship programs have been added or expanded by credit card companies and other lenders. Federal student loan payments have been paused until Sept. 30, and income-driven programs can reduce payment amounts after that.Another option is a coronavirus hardship withdrawal, which allows people to tap their IRAs and 401(k)s without penalty if they were physically or financially affected by COVID-19. The withdrawals are taxable, but if the money is paid back within three years those taxes are refundable. Raiding retirement funds isn’t ideal, of course, but your kids have many more years to replenish their retirement savings than you do.Assess your own situationWhile your kids are filing for unemployment and calling their lenders, take a moment to assess your own finances. Where will the cash for your kids come from? It’s one thing to give away money you’ve been saving for a vacation, since you’re unlikely to travel soon anyway. It’s quite another to undermine your own ability to retire or handle a layoff or other setback.Some parents make a conscious decision to operate with a smaller cushion, or to delay their retirements, to help their children, says CFP Lazetta Rainey Braxton in New York. Just keep in mind that you may not get to decide when you retire. Many workers retire earlier than expected, often because of a health problem or job loss. Helping your children now could mean you have to lean on them later, Braxton says. If you’re not sure how this financial aid will impact your future finances, a consultation with a fee-only financial advisor could bring you some clarity.Set some boundariesFinancial planners typically recommend deciding how much to give, and then setting clear boundaries about when the financial help will end. That’s tricky now, of course, because no one knows how long the current economic crisis will last.But parents can still set expectations in other ways, financial planners say. If the child didn’t have an emergency fund, for example, parents can discuss the importance of saving money out of every future paycheck, so the child won’t have to rely on family help again, Braxton says.“Some parents will just put on a Band-Aid and give them money, but they really haven’t helped in terms of their financial capacity,” Braxton says.If an adult child is moving back home, Corliss suggests a written contract outlining chores and responsibilities, such as how soon they’ll be expected to move out after finding a job. A similar end date can be set for any cash the parents hand out. Corliss says the message should be clear: “We expect you to get on your feet as soon as you can.”This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletMortgage Relief Programs for Homeowners Hit by the Coronavirus CrisisWhat Is a Credit Card Hardship Program?Cashing Out a 401(k) Due to COVID-19? Consider These Things FirstLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4841

FLORHAM PARK, N.J. (AP) — The New York Jets, Indianapolis Colts, Washington Football Team, Broncos, Bears, Titans, Cardinals and Green Bay Packers all canceled practices in an apparent response to the shooting of Jacob Blake, a Black man, in Wisconsin. The Jets provided no immediate details on their decision to not practice Thursday. The Colts posted a statement on Twitter, saying they would not hold their scheduled practice session.“Instead, the team will use the day to discuss and work toward making a lasting social impact and inspiring change in our communities,” the statement said.The Denver Broncos held a team meeting and decided to not practice, and instead use the time to focus on social justice reform. Players with the Chicago Bears "decided to pause our football activities" on Thursday it discuss with each other where they stand on racial injustice.The Washington Football Team was scheduled to practice at FedEx Field. Blake was shot by police officers, apparently in the back, on Sunday as he leaned into his SUV, three of his children seated inside.The protests weren’t limited to the NFL. The Milwaukee Bucks opted not to play in their playoff game Wednesday, and two other games were postponed later in the day.Three Major League Baseball games were also postponed. Games between the Cincinnati Reds and Brewers in Milwaukee, Seattle Mariners, and Padres in San Diego and the Los Angeles Dodgers and Giants in San Francisco were called off hours before they were set to begin.Players and teams from the WNBA, MLS, and tennis also sat out their competitions Wednesday night. 1607

For the first time in its 30 year history, Universal Orlando's Halloween Horror Nights in Orlando and Hollywood have been canceled due to the coronavirus pandemic.The park posted the news on the Universal Orlando website. "Universal Orlando Resort and Universal Studios Hollywood have made the difficult decision to not hold Halloween Horror Nights events this year," officials said in the statement. "Universal Orlando Resort will be focusing exclusively on operating its theme parks for daytime guests, using the enhanced health and safety procedures already in place. Universal Studios Hollywood continues to face ongoing business restrictions and uncertainty around its opening timeframe. We know this decision will disappoint our fans and guests. We are disappointed, too. But we look forward to creating an amazing event in 2021."The park said if you've already bought tickets to this year's event, you can either receive a refund or use it at next year's event. 976

For each step on his morning run, Rodney Everett takes a deep breath. The air in his lungs is fresh for the first time in 50 years."You come out in the morning and see the sky is yellow, and you smell this smell," said Everett.The smell came from the largest oil refinery on the east coast, Philadelphia Energy Solutions. The refinery sat a few blocks from Everett’s South Philadelphia neighborhood. 408

French President Emmanuel Macron told France's overseas ambassadors gathered in Paris on Monday that Europe can "no longer rely" upon the US for its security."It is up to us today to take our responsibilities and guarantee our own security, and thus have European sovereignty," Macron said.Since his election in 2016, US President Donald Trump has been distancing himself from the North Atlantic Treaty Organization, challenging a post-World War Two consensus on peace and security in Europe.Macron said he wanted to see a complete rethink of how Europe defends itself in the future."I want us to launch an exhaustive review of our security with all Europe's partners, which includes Russia," he added.Macron's call for greater European military cooperation echoes recent comments by German Foreign Minister Heiko Maas.Writing in the Handelsblatt newspaper, Maas called last week for Europe to "take an equal share of the responsibility" and "form a counterweight" to Washington as Europe-US relations cool, AFP reported.The French President was also critical of the European Union, saying "we are paying the price of several decades of a weakened Europe," adding that efforts must be redoubled.Turning to Syria, Macron said showing support for President Bashar al-Assad would be a "grave mistake," but the sovereignty of the country should be respected "by allowing the Syrian people to express themselves." 1416

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