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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 consecutive day, more than 2,000 lives were lost in the United States due to the coronavirus, according to Johns Hopkins University data.On Wednesday, 2,216 coronavirus-related deaths were recorded throughout the US, marking the most since May. Tuesday was the first time since May that 2,000 coronavirus-deaths were recorded in the US.The US death toll from the coronavirus is at 262,090 as of late Wednesday. The average number of coronavirus-related deaths in the US has now reached 1,600 per day, which is more than double the number of deaths per day a month ago.Also doubling in the last month is the number of COVID-19 hospitalizations. According to the COVID Tracking Project, the number of Americans currently hospitalized with COVID-19 is nearly 90,000. Just thirty days ago, there were 42,000 coronavirus-related hospitalizations. Sixty days ago, fewer than 30,000 were hospitalized with the coronavirus.The rapid spread of coronavirus cases in recent weeks has prompted grave concern among public health experts that family gatherings for Thanksgiving will make for a dire situation for America’s already overwhelmed and increasingly overwhelmed hospitals. 1191

FORT LAUDERDALE, Fla. — A family is suing over the fatal December shooting of a Florida UPS driver who was taken hostage by two robbers and killed in a torrent of gunfire after he and the suspects got stuck in rush-hour traffic. Attorneys representing the two young daughters of driver Frank Ordonez filed the lawsuit in Broward County on Wednesday. They say officers from several agencies acted negligently when they opened fire on the van when he got stuck in traffic. The Dec. 5 gun battle happened on national television after a long chase. Ordonez, the two robbers and a nearby driver all died. The police agencies declined comment Wednesday. 655

Former FBI Director James Comey warned that if President Donald Trump ever tries to fire special counsel Robert Mueller, then it would be the President's "most serious attack yet on the rule of law," and said that "it's possible" the Russians could have information on Trump that could be used to compromise him.Comey also said Trump is "morally unfit to be president" and claimed there is "certainly some evidence of obstruction of justice" by Trump.The comments came during a wide-ranging, exclusive interview with ABC News chief anchor George Stephanopoulos. The media appearance is the first time Comey has sat for a televised interview since Trump fired him last year. It also kicks off a promotional tour that the former FBI director is embarking on to promote the release of his new book, "A Higher Loyalty." 823

For decades, countless Americans buying a new set of wheels love that "new car smell." But Ford Motor Company may be trying to get rid of it.The automaker has filed a patent application for a new method to eliminate that new car aroma.The process calls for "baking" vehicles until the odor is gone. It works by parking vehicles in the sun and opening the windows until the smell is gone.Ford is looking to accommodate the world's largest car market – China, where drivers reportedly do not like the new car smell as much as American drivers do. 552

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