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FRAMINGHAM, Mass. – A school bus driver in Massachusetts says he was inspired by the students he drove to earn his college degree and pursue his dream of becoming a teacher.After high school, Clayton Ward attended college in Virginia, but the demands of school and work took their toll on him and he left after a few semesters.Eventually, he started driving a school bus for the City of Framingham and talking to the students on his route every day renewed his sense of passion for expanding and teaching young minds.So, he enrolled at MassBay Community College in 2019 with the goal of earning his degree, transferring to a four-year institution, and someday teaching high school history.MassBay says Ward worked full-time driving the bus, while also attending classes full-time at the community college. He excelled and earned a spot on the dean’s list every semester. He also did all of this during the COVID-19 pandemic.“It wasn’t always easy," said Ward. "I would drive my route in the morning and afternoon, take a class in between shifts, and take night classes and classes online to complete my degree requirements. I would think of those students and all the years I wanted to make this happen, and it helped me focus my energy.”In just one year, Ward completed his associate in arts degree in liberal arts and he plans to transfer to Framingham State University in the fall to pursue his bachelor’s degree in history, with a minor in secondary education.“I really enjoy working with kids, especially the high school students, and during the bus routes, we would chat about their classes,” said Ward. “As a history buff, I would share lessons that I learned in school and we talked a lot about academics. After several of these discussions, some of the students would tell me they wanted me to be their teacher. I think they only said that because I was a different person than their regular teachers, educating them in a different way to pique their interest. But, however small that mention was from those kids… it stuck with me and gave me the motivation to complete a goal I had started years ago.” 2119

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

Four states have approved legalizing marijuana. The measures are projected to pass in Arizona, Montana New Jersey and South Dakota. In Arizona and New Jersey measures would make recreational use of marijuana legal for people 21 and older.The Arizona measure also allows people convicted of certain marijuana crimes to seek expungement of their records. Lawmakers in New Jersey were unable to pass legislation about marijuana and eventually put it on the ballot for voters to decide.Marijuana is still illegal on the national level, however 11 states and the District of Columbia have already legalized it and sell it without interference from the federal government. 674

For the last two decades, support for marijuana has steadily grown. A record 66 percent of respondents in this year's Gallup poll say they support legalizing cannabis, up from 64 percent last year."I think a lot of consumers are coming out of the shadows, and they just feel more comfortable talking about cannabis, learning about cannabis,” says Trey Fisher.Fisher, with Medicine Man dispensary in Denver, Colorado, says particularly of note in 2018, is the emerging client base of women and the elderly. "The elderly, they're just looking for relief,” explains Fisher. “They're just looking for a product that works, and they don't care about the social stigma anymore."Individual dispensaries are certainly seeing growth, but industry insiders say the pot business as a whole is still being held back."It’s still completely illegal under federal law, and that's sort of putting a damper on the whole industry,” says Raza Lawrence, a cannabis law attorney.Lawrence specializes in helping entrepreneurs obtain cannabis licenses. He says if the U.S. would follow Canada in decriminalizing pot on a national level, the business would explode.  “Once that changes, you're going to see a lot more corporations starting to jump into the fray, and its gonna look a lot more like other types of industries," Lawrence says.Both Lawrence and Fisher say that could happen soon, and they believe the move in Canada could put even more pressure on U.S. lawmakers."I think Canada is gonna really expedite that process a little bit," says Fisher. 1556

ly injury to a public safety officer, authorities said, citing a criminal complaint, which is sealed. 1307

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