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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

FORT LAUDERDALE, Fla. (AP) — Security video shows a Florida sheriff's deputy go toward the high school building while a gunman massacred 17 students and staff members, but he stayed outside with his handgun drawn.The Broward County Sheriff's Office released the video Thursday showing Deputy Scot Peterson's actions during the Feb. 14 shooting.It shows him and a staff member rushing toward the building in a cart. He pulls his weapon and takes up a position outside the building.During much of the shooting, the camera's view of Peterson is blocked by a light pole but parts of him occasionally appear.Sheriff Scott Israel blasted Peterson eight days after the shooting, saying Peterson should have "went in, addressed the killer, killed the killer."The 54-year-old deputy retired rather than accept a suspension. He is still being investigated by internal affairs. 874

Food banks around the country are overwhelmed. It has become normal in recent months to see hundreds of people or cars in a line stretching for miles outside food banks and pantries. Some people are even beginning to show up hours before scheduled food distributions."I came here at 11 o'clock and there was already three people in front of me,” said Michael Sell, who waited outside a drive-thru food pantry that opened at 1 p.m. near Springfield, Massachusetts.Sell is a retired mental health professional, who now relies on pantries in the region. He says he’s seen the pantry lines grow for months."It is almost incomprehensible how many people are hurting,” Sell added.“Every distribution we are running is out of food, and I am calling suppliers, and I'm calling food banks like, 'we need more food’,” said Robin Bialecki, with the Easthampton Community Center.Bialecki also works with the Western Massachusetts Food Bank to hold a drive-thru pantry several times a month. Every month the pandemic goes on, it has become more difficult to provide enough food for all the people in her community in need. There have been times where the pantry has had to ask people to take less food so they could help more families.“A lot of people who normally give during the holiday season, they're keeping that food,” said Bialecki. “They have lost their jobs.”Some people who used to donate regularly are now seeking help from her pantry. In the 19 years that she has organized pantry food distributions, she has never seen a need at this level.“We definitely hope we do not get to the point where we will not be able to feel the need,” said Bialecki.In the next few weeks, if Congress does not pass a stimulus package, it is estimated that at least 12 million Americans will lose their unemployment benefits, and 11 to 13 million people could be evicted from their homes. Most of those people will have no other option but to turn to food banks, which are already at their brink. 1983

Former Donald Trump campaign official Rick Gates pleaded guilty Friday to two criminal charges in special counsel Robert Mueller's wide-ranging investigation of Russian meddling in the 2016 presidential campaign and related activities.Gates is now the third Trump associate known to be working with Mueller's investigation, and his plea deal will put the spotlight on former Trump campaign chairman Paul Manafort.Prosecutors are trying to pressure Manafort to speak with prosecutors about what he knows, particularly about the campaign.Gates was Manafort's right-hand man for a decade, was privy to most, if not all, of Manafort's activities during the campaign and stayed in the Trump orbit after Manafort's exit. Manafort has pleaded not guilty to all charges against him.In Friday's hearing, Gates told a federal judge that he understood his potential sentence depended on his cooperation with prosecutors on the charges: conspiracy to commit to defraud the United States and making false statements.Gates, bearded and wearing a blue suit, tie and cuff links, listened to the judge read the offenses he is agreeing to plead guilty to and the possibility of being sentenced to up to 57 to 71 months in prison. He said "Yes, your honor" repeatedly as Judge Amy Berman Jackson read the court documents.Thursday, prosecutors described a "scheme" in which the two longtime business partners allegedly laundered million, failed to pay taxes for almost 10 years and used real estate they owned to fraudulently secure more than million in loans.Gates said that despite his "initial desire to vigorously defend myself," he has had a "change of heart" in order to protect his family, according to a letter sent to his family and friends, obtained by CNN from a Gates friend."The reality of how long this legal process will likely take, the cost, and the circus-like atmosphere of an anticipated trial are too much," Gates wrote. "I will better serve my family moving forward by exiting this process."He wrote that it was "difficult decision" to make, but that ensuring his family's "well-being is first and foremost.""The consequence is the public humiliation, which at this moment seems like a small price to pay for what our children would have to endure otherwise," he said.Last Friday, the special counsel produced grand jury indictments for 13 Russian nationals, accusing them of operating a misinformation campaign to hurt Hillary Clinton's presidential effort.In a statement, Manafort maintained his innocence."Notwithstanding that Rick Gates pled today, I continue to maintain my innocence. I had hoped and expected my business colleague would have had the strength to continue the battle to prove our innocence," Manafort said. "For reasons yet to surface he chose to do otherwise. This does not alter my commitment to defend myself against the untrue piled up charges contained in the indictments against me." Plea in motion for weeks 2958

For pets, the skies of United Airlines lately have not been so friendly.It's not just the French bulldog that died on a Houston-to-New York flight Monday after a United flight attendant told its owners to put the dog in an overhead bin.Data from the US Department of Transportation show that three times as many animals died on United flights last year than on all the other US carriers put together. As you can see from this chart, 2017 wasn't an exception.United has had the highest rate of pet deaths of any US airline for the past three years.In fairness, the airline in recent years has also been the largest transporter of animals -- mostly dogs and cats, but also more exotic pets such as birds and geckos. Also, according to the DOT report for 2017, several of the animals had pre-existing health issues such as heart disease. (The report did not specify how many animals were flown in the cargo hold as opposed to the plane's cabin.)But even when accounting for their larger volume of animal passengers, United still leads all other airlines in rate of deaths per 10,000 pets.United did not respond to multiple requests for comment for this story. But spokesman Charlie Hobart told CNN on Tuesday that the airline is investigating the French bulldog's death "to prevent this from ever happening again."As for the 2017 report, he said, "The overwhelming majority of the incidents were attributed to animals not being acclimated to its crate or the animal having a pre-existing condition we weren't aware of. Any time there is an incident with animals we do a thorough review." 1612