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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

Five US Marines who were missing after two aircraft collided mid-air off the coast of Japan on Thursday morning have been declared dead, the US Marine Corps said.The US military called off its search for the Marines on Tuesday, according to a statement from the Marine Expeditionary Force."The Marine Corps has pronounced the five remaining Marines involved in the F/A-18 and KC-130 aviation mishap deceased," the Marine Corps said in a statement. "The change in status comes at the conclusion of search and rescue operations."The identities of the Marines have not been released, but the Marine Corps said their next of kin have been notified. 652

FORT PIERCE, Fla. - Residents in a Fort Pierce community on Hutchinson Island had a special surprise for Joseph Malizia.They gave the 22-year-old man with special needs a box full of flags Thursday to replace the ones that had been stolen from him recently."I love it. I love that they care about me," Malizia said when looked at the flags from all over the world packed in the box."The community wanted to show Joseph there are more good people," Heather Thomson said.Neighbors in the Mariner Bay community said they often see Malizia waving different flags at the beach and along State Road A1A and in the neighborhood.His father said Malizia took a liking to flags as a child while attending his brother and sister's surfing tournaments. WPTV "Every event they have a big parade, lots of flags, all the nations, kind of like a mini Olympics, and Joseph would partake in the flag carrying," David Malizia said.Joseph Malizia was now planning how to display his new flags, which made his neighbors smile."What better time to have a feel-good moment than during everything going on right now," Thomson said.This story was first reported by Matt Sczesny at WPTV in West Palm Beach, Florida. 1227

Former "Two and a Half Men" co-star Conchata Ferrell has died. She was 77.Ferrell, who was best known for her role as housekeeper Berta to Charlie Sheen's character on the sitcom, passed away Monday after complications following a cardiac arrest, Deadline reports.According to People, Ferrell had suffered a heart attack in July.Sheen tweeted out his condolences after hearing of her passing. 400

First of all, let's be clear: Every dog is the best dog, especially yours. But unfortunately, it looks like your drooling, howling, underwear-sniffing, sock-eating angel of perfection is not, you know, especially smart.This distressing news comes?from a new study in the journal Learning & Behavior, which seeks to answer the question, "Are dogs really that special?"While our hearts say yes, the data says no.The study compares canine cognition to other carnivores, social hunters and domestic animals (all groups that dogs fall into). Researchers used existing information on the behavior of several animals, including wolves, cats, dolphins, chimpanzees, pigs and pigeons to see if dogs possessed any special skills that weren't recorded in other species.They did not. 779