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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

Fiat Chrysler is recalling 4.8 million vehicles over an issue that could prevent drivers from turning off cruise control.Only one incident related to the malfunction has been reported to Fiat Chrysler, and there are no reported injuries.The issue can be triggered when a driver taps on the gas pedal while cruise control is activated, the company said, potentially causing a short circuit.Related: Why the auto tariffs would be bad for AmericaWhen that happens, the vehicle can become locked in cruise control. The typical methods for exiting cruise control — tapping on the brakes or hitting the designated switch — can stop working. However, drivers would still be able to slow down or stop their vehicles by hitting the brakes, shifting into neutral or both.FCA is asking owners of the recalled vehicles to bring them into dealerships for a no-cost software update that can prevent the short circuit. In the meantime, the company is advising drivers of the involved vehicles to avoid using cruise control.The models covered under the recall include:2015-17 Chrysler 200 sedan2014-18 Chrysler 300 sedan2017-18 Chrysler Pacifica minivan 1145

Financial infidelity happens all the time, but tax pros say there are a few ways to protect yourself at tax time if you think your spouse is hiding something. 166

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

For companies hiring right now, ensuring you're hiring the most qualified candidate can be tricky. The COVID-19 pandemic has changed the way businesses approach hiring and are forcing them to recruit remotely. "Everything we’ve always done previously has been in person. It’s always been encouraged to do in-person, face-to-face communication. From a job seeker's perspective, obviously, it helps to be in-person and kind of take their facial cues and whatnot, so we really had to change everything we were doing," says Erik Cherkaski with the Fresno Regional Workforce Development Board. Cherkaski says one of his main jobs is to recruit employees for local businesses. Because of the pandemic, their recruiting services are now virtual. Recently, the organization has been holding virtual job fairs for a number of large employers."I think one day we had logistics, so we had some of our local fulfillment centers on. Another day we had the service industry on, so some of the local retailers that were doing mass hiring [participated]. Then, we had a focus on government, as well. So, some of the local and state organizations that were doing some hiring and we had some very good turnout. This was new territory for us," said Cherkaski.Employers held virtual presentations for candidates who tuned in using online meeting platforms like Zoom and Webex. "It was very engaging. We got good feedback from our employers and we are looking to do it again. So that was very positive for us to see that we can do something like this online," said Cherkaski.College students and recent graduates are also finding their first career move by participating in online events. Handshake, which helps connect more than 500,000 employers with college students looking for a job or internship, says it's expanding it's virtual services to accommodate universities who've put their in-person career fairs on hold."There are a lot of opportunities that do still exist even with the change in the economy this particular year. We have so many students across so many different walks of life that are looking in for those opportunities to be able to just jump start their career," said Christine Cruzvergara, with Handshake. To help, Handshake created a new virtual engagement module."That is going to allow employers to be able to actually segment, campaign and reach out to candidates that meet the different criteria and qualifications that they are looking for, across all of our thousands of universities and colleges. They can go beyond the basic qualifications in a virtual fair to be even more tailored around, for example, some of their DEI requirements or their goals," said Cruzvergara.Handshake hopes the new tools not only help employers narrow down the types of students they want to hire, but also helps students. "It's going to allow students to maximize the time they do have in between classes or in-between their part time jobs or things they might be doing other responsibilities or obligations they have," said Cruzvergara.As for how long Fresno Regional Workforce Development Board will be holding their recruiting events virtually, Cherkaski said, "if you were to have asked me this four months ago I would have said, Oh this isn’t going to go on too long but now we're four months in and I suspect were going to be doing this for the foreseeable future."Both Fresno Regional Workforce Development Board and Handshake believe even when COVID-19 restrictions are lifted completely, employers will still want to use virtual recruiting events to widen their candidate search.Editor's note: An earlier version of this story incorrectly identified Christine Cruzvergara's last name. 3693

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