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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

For the second time in recent weeks, President Donald Trump sent well wishes to Ghislaine Maxwell — a known associate of Jeffrey Epstein, who is currently in jail awaiting trial on child sex trafficking charges.In an interview with Axios, which aired on Monday evening, Trump was asked by reporter Jonathan Swan to clarify comments he made during a July 21 press briefing in which he sent well wishes to Maxwell.Trump said he "didn't know" about Maxwell's charges. He added that "her friend or boyfriend" — Epstein — "was killed or committed suicide in jail.""She's now in jail. Yeah, I wish her well," Trump said. "I'd wish a lot of people well. Good luck. Let them prove somebody was guilty." 702

Fentanyl is now the most commonly used drug involved in drug overdoses, according to a new government report. The latest numbers from the US Centers for Disease Control and Prevention's National Center for Health Statistics say that the rate of drug overdoses involving the synthetic opioid skyrocketed by about 113% each year from 2013 through 2016.The number of total drug overdoses jumped 54% each year between 2011 and 2016. In 2016, there were 63,632 drug overdose deaths.According to Wednesday's report, which analyzed death certificates for drug overdose deaths between 2011 and 2016, fentanyl was involved in nearly 29% of all overdose deaths in 2016. In 2011, fentanyl was involved in just 4% of all drug fatalities. At the time, oxycodone was the most commonly involved drug, representing 13% of all fatal drug overdoses.From 2012 to 2015, heroin became the most frequently involved drug in overdose deaths. In 2011, the number of fatal heroin overdoses was 4,571, or 11% of all drug fatalities. In 2016, that number more than tripled to 15,961 deaths, representing a quarter of all drug overdoses that year.The authors of the new study also found that most overdoses involved more than one drug. In 2016, 2 in 5 cocaine-related overdose deaths also involved fentanyl. Nearly one-third of fentanyl-related overdoses also involved heroin. More than 20% of meth-related fatal overdoses also involved heroin. 1423

Former Mets great Tom Seaver, a member of the 1992 Baseball Hall of Fame class, has died at the age of 75, the Baseball Hall of Fame announced on Wednesday.The Hall of Fame said Seaver died in his sleep due to complications from Lewy body dementia and COVID-19.Seaver was a 13-time All Star and three-time Cy Young Award winner. He won a World Series title in 1969 with the Mets, and won all three of his Cy Young Awards with the Mets, during his tenure with the club that spanned from 1967 through 1977.He also joined the Reds in 1977 and stayed with the team until 1982. After a return to the Mets in 1982, Seaver finished his career with stints with the White Sox and Red Sox.With 311 victories, Seaver is one of just 24 MLB pitchers to win 300 games.Baseball commissioner Robert Manfred issued a statement following Wednesday's news."I am deeply saddened by the death of Tom Seaver, one of the greatest pitchers of all-time," Manfred said. "Tom was a gentleman who represented the best of our National Pastime. He was synonymous with the New York Mets and their unforgettable 1969 season. After their improbable World Series Championship, Tom became a household name to baseball fans – a responsibility he carried out with distinction throughout his life." 1268

For the first time since July, the White House’s coronavirus task force delivered a briefing on Thursday as cases reach record levels throughout the US.President Donald Trump did not participate in Thursday's news briefing. The president has not had any public events this week. The coronavirus task force encouraged Americans to remain vigilant and practice social distancing guidelines as the virus spreads throughout the US.Dr. Anthony Fauci, the federal government’s top infectious disease expert, said that the “cavalry is coming.” He said recent developments of a pair of vaccines showing an effectiveness of 95% should give Americans confidence to get a vaccine once they become available.“The process of the speed did not compromise at all the safety nor did it compromised the scientific integrity,” Fauci said. “It was a reflection of extraordinary scientific advances in these types of vaccines which allowed us to do things in months that actually took years before but I really want to settle that concern that people have about that.”While the tone from the White House coronavirus task force was against lockdowns, states across the country have reimplemented some shutdowns of and limits to businesses. Notably, much of California will go under a curfew nightly from 10 p.m. to 5 a.m."We will be getting vaccine doses to people who are high priority at the end of December," Fauci said. "We aren't talking about shutting down the country. We are talking about locking down. We are talking about simple public health measures that we all talked about mask wearing, distancing, avoiding congregate settings, doing things to the extent that we can outdoors versus indoors and if we do that we'll be able to hold things off until the vaccine comes."Vice President Mike Pence says that the US will have 100 million doses of a vaccine ready to begin distribution as soon as an emergency use authorization is granted. General Gustave Perna, who is leading the government's distribution efforts of a vaccine said that when an emergency use authorization is given, the first doses of a vaccine will be distributed within 24 hours. Pfizer says its vaccine candidate could seek emergency use authorization from the FDA as soon as Friday.Distribution will be a challenge as the leading coronavirus vaccines have to be stored at extremely cold conditions.Perna said that the federal government is working with states on setting up places for a vaccine to be availble. The vaccines can be distributed from hospitals down to a local Walgreens or CVS. "We will distribute the vaccine accordingly," Perna said. "We want the vaccines at the places where the American people are comfortable; at our hospitals, our doctors offices, CVS, Walgreens and the health care facilities, places where people are comfortable going. That's where we started"Thursday’s briefing comes on the same day that the CDC urged Americans not to travel for the Thanksgiving holiday and asked Americans to only celebrate the holiday with those in their household.Earlier this week, task force member Dr. Scott Atlas criticized public health experts for advising Americans not to celebrate Thanksgiving with family. Atlas’ stance is an outlier among experts.On Wednesday, the number of coronavirus-related deaths since the start of the pandemic passed 250,000 in the United States. On Wednesday alone, more than 1,800 deaths were reported throughout the US, marking the most in a single day since the spring. 3488

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