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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

FORT MYERS, Fla. -- Heading to the airport? Pack your worries.  Every day, billions of germs are left all over Southwest Florida International Airport.Biology professor Cliff Renk from Florida Gulf Coast University and student Matt Glass joined us as we took a microscopic look at all the germs we encounter when we fly into and out of the airport. The professor swabbed all sorts of surfaces and using a monitor that counts the number of germs. A reading of 300 on the meter indicates a normal amount of bacteria.One elevator button registered 418. The handles on those luggage carts: a nasty 532.  Escalator handles were about the same but loaded with bacteria colonies. The buttons on the ATM machine in the main concourse were home to almost 80 different colonies of bacteria. But that's just the beginning. If you're flying, everyone needs to go through the security checkpoint.  And the bin you place your phone in -- which you hold to your face -- might be the same one the person before it put his shoes in following a visit to the bathroom. They could carry staph, which can cause pimples, boils and in some cases flesh-eating bacteria. There are about 1000-1500 TSA plastic bins that we place our stuff in when we go through security. We tested the first bin and its handles; it came in came below the normal level. The second tested at more than two times higher.  The third, well that's a different story. Even though the number was 611, Professor Renk says some stomach-churning germ colonies  - more than 300 - were lurking on board, including fecal bacteria and other bacteria generally found on the bottom of shoes. Reps from both the airport and the TSA tell us it's important we remember any public space is a breeding ground for germs and to bring and use hand sanitizer or wipes at all times.  Finally, they say to wash your hands frequently. And speaking of hands we did one last test on reporter Frank Cipolla's hands to show you what any one of us might be lugging around at any moment. He spent all morning at the airport and shook about a dozen hands. Remember, 300 is a normal reading. His right hand registered about 3000.The TSA says it would cost too much money to put hand sanitizer dispensers in every airport in America, so a warning to all travelers. When it comes to germs at the airport, you're on your own.  2416

FILE - In this Monday, Oct. 22, 2018 file photo shows the Plumpjack Wine & Spirits store, in San Francisco, part of the Plumpjack Group collection of wineries, bars, restaurants, hotels and liquors stores. ncoming California governor Gavin Newsom says he'll give up control of his wine and hospitality business to avoid conflicts of interest. Spokesman Nathan Click says Newsom is transferring the title and control of his PlumpJack Group to a blind trust. PlumpJack Group includes four hotels; four Napa Valley wineries; several bars and restaurants; two wine and liquor stores in San Francisco; and an online liquor store. Newsom also plans to publicly release his tax returns every year he's governor. (AP Photo/Eric Risberg, File) 746

FEEDING SAN DIEGO VOLUNTEER PROGRAMS MANAGER SAM DUKE HAS A PASSION FOR HELPING PEOPLE HELP OTHERS. HE'S BEEN HOOKED ON HELPING SINCE THE FIRST TIME HE VOLUNTEERED. — SAN DIEGO (KGTV) - An army of 14,000 volunteers help Feeding San Diego fight food insecurity across the county every year.One man makes sure that each and every person who volunteers their time is put to work in the most efficient way possible."My job is so amazing because I get to work with these amazing volunteers that come in," says Sam Duke, Feeding San Diego's Volunteer Program Coordinator. "I'm just so thankful they're giving their time to come help us end hunger. I can't thank them enough."Duke started as a volunteer in 2013. He was hooked from the first time he walked into the warehouse."It was cool, the energy that was here, the staff was so welcoming and supportive and made me feel right at home," he says.After that first experience, he started volunteering on a regular basis. Eventually he became a full time employee and worked his way up to his current position."I love setting up the project and I love engaging with the volunteers and hearing their stories and hearing about how they heard about us or came to us. I just love being able to connect with those volunteers," he says.Without the volunteers, Feeding San Diego wouldn't be able to help the 1 in 8 San Diegans who face food insecurity. The collective work they do amounts to an extra 22 full-time employees. "Volunteers are at the heart of what we do," says Sam.If you're interested in volunteering, go to the "Get Involved" section of feedingsandiego.org. 1617

FORT MYERS, Fla. -- A driver narrowly missed hitting a deputy on a traffic stop Tuesday, instead rolling over their vehicle in an effort to avoid hitting him.The whole crash was caught on dash cam video.On Tuesday afternoon, Eddy Ramos was driving when the rollover happened in front of him.His video shows an SUV in the northbound lanes swerve past the deputy who was stopped on the right shoulder.  The SUV veered left and rolled over across the median, coming to a stop upside down in the southbound lanes.Thankfully the SUV's driver appeared to be uninjured as she climbed out the driver side window.No word on whether any charges were filed. 659