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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

FRANKFORT, Ky. — Kentucky Attorney General Daniel Cameron on Thursday joined a coalition of 22 state attorneys general in sending a letter to the United States Senate, urging the body to immediately hold a hearing and vote to confirm Judge Amy Coney Barrett to the Supreme Court.In the letter, Cameron wrote that Barrett's "unwavering commitment to a judicial philosophy that prioritizes restraint, humility, and respect for the rule of law" should lead to a quick approval from the Senate.Cameron released the following statement in support of Barrett."I'm proud to join this coalition of attorneys general in support of Judge Barrett, and I'm confident that Senate Majority Leader McConnell will make sure she is confirmed. As former legal counsel to Senator McConnell, I was fortunate to be involved in the confirmation process for Justice Neil Gorsuch, and I know the qualifications and legal background required to be confirmed to our nation's highest court. Judge Barrett has these qualifications, and her experience, judicial philosophy, and commitment to the rule of law make her ideally suited to serve as an Associate Justice."McConnell has also come out in support of President Donald Trump's decision to nominate Barrett, who currently serves on the 7th U.S. Circuit Court of Appeals and spent several years as a professor at Notre Dame Law School, where she also earned her own law degree.The letter was led by the Attorney General of Louisiana and, in addition to Attorney General Cameron, was co-signed by the attorneys general of Alabama, Alaska, Arizona, Arkansas, Florida, Georgia, Indiana, Kansas, Mississippi, Missouri, Montana, Nebraska, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Texas, Utah, and West Virginia.A copy of the letter is available here.Cameron has gained national attention in recent weeks as the lead investigator into the police shooting that led to the death of Breonna Taylor. Last week, a grand jury announced that no charges would be filed against the officers who shot Taylor during a narcotics raid on her apartment on March 13.Cameron has said the officers' use of force against Taylor was justified, as officers were fired upon first by Taylor's boyfriend.A member of the grand jury has filed a motion to make proceedings form the case public. Cameron's has until Friday to redact names and release the proceedings to the public.This story was originally published by WLEX in Lexington, Kentucky. 2467

FLORIDA — Police say former Buffalo Bills and Miami Dolphins player Richie Incognito was involved in a disturbance at a Lifetime Gym in Boca Raton, Florida on Wednesday morning.Police said Incognito was involuntarily committed under Florida's Baker Act. The act allows officials to apprehend and order a mental evaluation of a person.Incognito reportedly threw a dumbbell at a man at the gym and that's why police were called, according to TMZ.com.Incognito played for the Buffalo last season. In the buildup to the draft, he took a restructured contract with the Bills, publicly fired his agent on Twitter after that deal was signed, and retired shortly after that. The Bills officially added him to the reserve/retired list on April 12.Once Organized Team Activities started around the league, Incognito -- according to ESPN -- wanted to make a return to the NFL, despite retiring from the league and team just one month prior. The Bills granted his reported wish, releasing him off the reserve/retired list on Monday.The move officially made Incognito an unrestricted free agent, able to be signed by any other team. Incognito played in Buffalo for three seasons.An NFL investigation found that when Incognito was with the Dolphins in 2013, he and two others engaged in persistent harassment directed at teammate Jonathan Martin.Earlier this year Martin was?charged with threatening?Incognito and former Dolphin Mike Pouncey as a result of a?post on his Instagram page showing a shotgun and ammo. 1547

FORESTHILL, Calif. (AP) — California park officials have shut vehicle access to a pristine swimming hole in Northern California due to an influx of visitors to the “hidden gem” that has become a popular photo backdrop on social media. The move intended to discourage visitors to Yankee Jim's, a sliver of crystal clear water about 35 miles west of Lake Tahoe, comes as authorities struggle to control overcrowding at recreational sites as coronavirus cases continue to rise in many parts of the state. There are just 12 parking spots near Yankee Jim’s, but last weekend authorities counted more than 300 vehicles parked near the rugged roads surrounding a one-way bridge overhead.Placer County Sheriff’s officials said in a Facebook posting on Friday that the scenic area has exploded in popularity recently."This presents a huge public safety danger, and cannot allow any first responder to access Yankee Jim’s in the event of any emergency or fire," the statement said. 979

Fox News has fired news anchor Ed Henry after it received a complaint about workplace sexual misconduct by him. The network says it hired an outside investigator to look into the charge after getting the complaint on June 25, and fired Henry on the basis of what was found. Henry co-anchored the news hours between 9 a.m. and noon, Eastern time. He had rehabilitated his career at Fox after taking a four-month leave of absence that ended in 2017 after published reports that he had an extramarital affair. Fox said the current complaint was based on an incident that happened "years ago." 597