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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

Following the passing of music legend Aretha Franklin, news surfaced the “Queen of Soul” did not have a will. Music icon Prince also didn’t have a will at the time of his death.How important is it to have a will?Certified financial planner Jonathan Duong says everyone should have a will, no matter your age or financial status."Even if you don't have kids, as long as your situation includes some level of basic complexity where you have different types of assets, then absolutely, a will is going to be a proper document at a minimum to have in place," says Duong.  For those who only have assets like a 401k or a life insurance policy that has a designated beneficiary built in, a will might not be necessary.  “But for many other things, there is no legal way to control where that asset goes without a will," explains Duong.  Getting a will often times entails hiring an attorney and can cost nearly ,000, but Duong says you don’t need to spend that much to have a proper will.  "Typically, their employer--if their employed with a larger company or a public organization--may offer a legal plan, within their employee benefits," says Duong.  There are also online resources like willed.com or doyourownwill.com that will help you create one for less than 0. 1301

For Dolly Parton fans, Christmas came early. For the first time in 30 years, the country music legend is releasing a holiday album.The album, called "A Holly Dolly Christmas," will be released on Oct. 2.Parton made the exciting announcement on her Twitter account. 272

FORT LAUDERDALE, Fla. (AP) — Prosecutors charging New England Patriots owner Robert Kraft with buying sex from massage parlor prostitutes are trying to save their case. They will argue before a Florida appellate court on Tuesday that police legally made secret video recordings of Kraft having paid sex at a massage parlor in January 2019. A lower court judge ruled that prosecutors could not use the recordings. He said the warrant allowing police to install secret cameras inside the Orchids of Asia spa violated constitutional standards. Kraft is charged with misdemeanor solicitation of prostitution. He has pleaded not guilty but issued a public apology. 667

FORTVILLE, Ind. — A central Indiana superintendent gave students some fun "assignments" to complete on the first snow day of the year. With the institution of virtual learning during the COVID-19 pandemic, many families thought snow days to be a thing of the past for students. But when snowfall led to messy roads across parts of Indiana, there were still several dozen schools that chose to either delay or cancel classes.Dr. Jack Parker, Superintendent at Mt. Vernon Community School Corporation sent a letter to parents canceling in-person learning in favor of virtual learning — but not the type of virtual learning typically seen amid the pandemic.The note to parents went on to give two assignments that included playing in the snow and throwing snowballs."Students will use the scientific process in planning appropriate clothing to remain warm and dry while spending time outside. Once the hypothesis has been identified, and appropriate attire has been secured, students will be expected to test their theory by going outdoors and playing in the snow," Parker's note read. "Step two of this assignment will be to practice the skills of estimation and measurement when throwing snowballs at one another while maintaining a minimum of 6' of distance with others outside of your household. When being with said snowball, students are expected to practice their social skills and to use their good words."He even gave students a chance to earn some extra credit. "Extra credit can be earned by helping to shovel sidewalks and/or driveways," Parker wrote.And of course, students who aren't feeling well were given an alternate assignment to complete."Students who are not feeling well will be expected to complete the alternative assignment of resting indoors and drinking plenty of fluids," the letter read. 1822

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