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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

FREDERICK, Colo. – Now that Chris Watts has been formally charged with killing his pregnant wife, Shanann Watts, and their two daughters, Bella and Celeste, he will spend at least the next three months in jail while he awaits a Nov. 19 status conference.Police and prosecutors have confirmed many of the details of the case that have been previoously reported.Here’s a look back at everything we know about the case so far: 431

FORT MYERS, Fla. — A Fort Myers, Florida, parent says there is such a thing as being overly cautious when it comes to COVID-19 safety.Lexington Middle School told Sheila Gayle’s eighth grade daughter to quarantine for 10 days because of what they thought were COVID-19 symptoms. But, mom says it’s just “that time of the month.”Her daughter went back to school today, but not before taking a trip to see her doctor after she reported feeling tired. The district required her to either quarantine until October 23 or show proof that it wasn’t COVID-19.So, instead of dropping off her daughter at school Tuesday morning, Gayle had to visit to Physicians’ Primary Care for a doctor’s note saying her daughter’s menstrual cycle caused the fatigue.“This what it’s come down to, so every month I have to come when she’s on her cycle? It’s just ridiculous at this point,” she said.Gayle says Monday afternoon, her daughter told the school nurse she had just started her cycle and felt tired. No fever, no body aches, just tired.“Just to have fatigue, because you’re tired? That’s unacceptable,” said Gayle.The nurse gave the student a form, indicating her fatigue could be related to COVID-19.A spokesperson for the School District of Lee County referred us to their website, pointing out students can return to school sooner if a doctor proves symptoms are caused by something other than the coronavirus.Gayle said she had two options. Either quarantine her daughter, which would also mean quarantine her siblings enrolled in other Lee County schools, or take time off work and get the doctor’s note. She chose the latter, hoping she won’t have to go through this again next month.“I just feel like this whole system needs to be re-evaluated,” said Gayle.The district said as of now students are not required to quarantine if a sibling has COVID-19 related symptoms. Even though it may seem a bit extreme, a spokesperson for the district says they’d rather be safe than sorry.This article was written by Rachel Loyd for WFTX. 2027

Frank Avruch, who was best known for playing Bozo the Clown, died Tuesday at the age of 89, according to his manager Stuart Hersh."While it's hard to say goodbye, we celebrate the legacy of joy and laughter he brought to millions of children around the world as Bozo the Clown on TV and as a UNICEF Ambassador and later as host of Channel 5's Great Entertainment and Boston's Man About Town," a statement from Avruch's family read. "Our dad loved the children of all ages who remembered being on his show and was always grateful for their kind words. We will miss him greatly."Bozo made his television debut in 1949, portrayed by Pinto Colvig. In 1965, "Bozo's Big Top" became a syndicated series in local markets across the country.Avruch played Bozo from 1959 to 1970 and was the first nationally syndicated version of the clown. Other performers of the popular character were Willard Scott, Bob Bell and Joey D'Auria.Avruch worked at WCVB in Boston for more than 40 years and was inducted into the National Television Academy's Gold Circle."He had a heart of gold," Hersh said in a statement to CNN. "He brought the Bozo the Clown character to life better than anyone else's portrayal of Bozo the Clown."Avruch is survived by his wife, Betty and their two sons.The-CNN-Wire 1284

For this #WednesdayMorning, take a look at #HurricaneLaura with @NOAA's #GOESEast satellite as the hurricane's convection bursts with lightning. As of 8 a.m. EDT, #Laura had winds of 115 mph and was rapidly intensifying in the Gulf of Mexico. Latest: https://t.co/1L8q1zg4eW pic.twitter.com/yyxJkmlfnj— NOAA Satellites (@NOAASatellites) August 26, 2020 360