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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 first time in recorded history researchers have not observed sea ice formation along the Siberian Coast of the Arctic Sea this late into the year.The region, according to researchers, usually starts generating thick layers of ice in the later part of September and early parts of October.“It was really hard to find a solid chunk of ice to freeze the ship into,” said Colorado State University researcher Jessie Creamean, who has spent the last six years traveling to the Arctic Sea to study the ice. “It was really astounding that it was so hard to find this thick ice that should be there but isn’t anymore.”In February, Creamean spent time aboard the world’s largest icebreaker ship, Mosaic, and said the changes were visible to the naked eye and not just on satellite imagery.“It’s getting warmer so we’re losing sea ice, but because we lose the sea ice it becomes even warmer,” said Mark Serreze, director of the National Snow and Ice Data Center. “It exacerbates the problem of climate change.”Serreze says the loss of sea ice has started a trend where warmer water from the Atlantic Ocean moves into the Arctic Sea and layers itself under the colder water before permeating to the surface, causing the Arctic Sea to warm at a faster rate.It also allows cargo ships to travel a route that has historically been impassable, creating geopolitical incentives for nations to try and control the region.“We’re seeing issues of tensions between the United States and Russia which, of course, is an Arctic nation starting to arise,” said Serreze. “Russia is strongly militarizing the Artic right now so there are many things that are occurring at that level because of the changes we’re seeing so it’s a great example of how climate change and geopolitics are becoming intertwined.” 1797

Former President George H.W. Bush will be eulogized by his son, former President George W. Bush, along with a mix of family and friends on Wednesday at the Washington National Cathedral, the most high-profile event in a week of proceedings that will remember the remarkable life of the president who died on Friday at 94.Along with his son, George H.W. Bush will be eulogized by former Canadian Prime Minister Brian Mulroney, whose time in power overlapped with Bush, former US Sen. Alan Simpson, who became a close friend to Bush, and presidential historian Jon Meacham, the late president's biographer.President Donald Trump will not speak at the funeral, sources with knowledge of the plans tell CNN, but has said that he will attend Wednesday's memorial. Despite the fact that Trump's rise to power included lambasting past presidents, including both Bushes, the President has responded to Bush's death with repeated laudatory comments.The plans for Bush's funeral were all put into place before Trump was ever elected, sources tell CNN. Presidents are traditionally asked to eulogize presidents who have died -- and in past state events like this, that has been the case -- but the Bush family is unlike any other and has another president in the family who will fill that role.Trump will pay a condolence call to the Bush family on Tuesday at Blair House, according to the sources, a government house across the street from the White House.Bush's passing has led to an outpouring of remembrances for the humble and gentlemanly statesman, whose life and service was seen to stand in direct contrast to the vitriol and partisanship that has enveloped elected politics in recent years. Many have also heralded Bush's 73-year marriage to his wife, Barbara Bush, who died months before her husband in April 2018.Those reflections will continue throughout the week, when Bush's casket travels from Houston, Bush's hometown, to Washington, DC to lie in state in the United States Capitol. Trump directed the presidential plane -- called Air Force One when the sitting President is aboard -- to pick up Bush's casket and transport it to Washington."We'll be spending three days of mourning and three days of celebrating a really great man's life," Trump said in Argentina where he was attending the G20 summit. "So, we look forward to doing that, and he certainly deserves it. He really does. He was a very special person."Bush will lie in state until Wednesday morning when his casket will then be transported to the National Cathedral for the first of two funeral services for the former president.Vice President Mike Pence will offer brief remarks Monday at the evening ceremony at the Capitol before the public can visit the president lying in state. It is anticipated that foreign leaders will also be paying condolence calls to the family on Tuesday.On Thursday, Bush's casket will travel back to Houston, where he will be memorialized at St. Martin's Episcopal Church and eulogized by his grandson, Texas Land Commissioner George P. Bush, and former Secretary of State James Baker, a man who has been by Bush's side since the former president's failed 1970 Senate campaign in Texas.Members of the family, including children and grandchildren, will be taking part in each service.Bush's Secret Service detail will be with him until he is interred and in the second vehicle in the motorcades that will lead to all the ceremonies.Bush's death has also led to a series of symbolic moments.Bush had come to be known in recent years for his colorful and symbolic use of socks, wearing different pairs to express his mood or mark occasions. Jim McGrath, Bush's spokesman, tweeted on Monday that the 41st President "will be carried to his final rest wearing socks that pay tribute to his lifetime of service, starting as an 18 year-old naval aviator in war."McGrath also tweeted a photo of Sully, Bush's service dog, laying in front of the late President's casket on Sunday night with the caption, "Mission Complete".Sully is named after former airline pilot Chesley B. "Sully" Sullenberger III, who became famous for landing a damaged passenger jet on the Hudson River and saving all 155 passengers and crew in 2009.Following the week of services, Bush will be laid to rest on his presidential library grounds at Texas A&M University, where his wife and Robin, his daughter who died of leukemia in 1953, are buried. 4425

For any Floridian who lived through the 2000 presidential election, the word “recount” may send shivers down your spine.At the time, the presidential race between Texas Gov. George W. Bush and Vice President Al Gore came down to Palm Beach County.Then-Supervisor of Elections Theresa LePore was under fire for her design of what came to be known as the “butterfly ballot,” which left many voters confused and led to overvotes and unintentional votes for the wrong candidate.The visually challenging punch card ballot design turned an estimated 2,800 would-be Al Gore voters into Pat Buchanan voters in Palm Beach County. 628

For religious groups around the country, technology is helping them overcome the hurdles of the COVID-19 pandemic.Alma Gonzalez chokes up as she talks about her family and how they taught the importance of faith.“I was raised by my grandmother,” Alma Gonzalez said. “Very devout Catholic and very devoted to Our Lady, and she taught me how to pray.”It was Gonzalez’s upbringing that motivated her to take part in the annual pilgrimage in Palm Springs, California.“It was a miracle to finish it,” said Gonzalez.The 34-mile walk, in honor of the Virgin of Guadalupe, a patron saint of millions of Mexicans and Latinos, has brought together thousands in California for more than two decades.This year, organizers canceled their plans, but adapted to the current conditions.It was the first time in 15 years that Gonzalez did not participate, but she did honor the Virgin de Guadalupe from home.“I think the attitude that I’ve seen develop is we can’t do everything the way we did it before, but we will do whatever we can to keep the spirit alive and I really see that among the people,” said one religious leader.The mass in honor of the Virgin will be held with a limited number of parishioners while respecting social distancing guidelines. Also, the ceremony will be streamed live through their social media pages.“That will give people at home that can’t come the opportunity to join in the prayer and be part of the community, even if it’s virtual.”Other religious groups are implementing the same approach.Jewish temples in Cleveland canceled their large public Hanukkah events, but are using the web to stream their faith.As for Gonzalez, COVID-19 won’t stop her from worshiping during the holidays. She’ll be praying from home with her loved ones.“Do not let COVID overcome us with fear. Let’s continue with our faith and our prayer,” said Gonzalez. 1863