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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

Four Louisiana correctional officers have been sentenced following an attack of an inmate who was "handcuffed, shackled, and not resisting, and for conspiring to cover up their misconduct by devising a false cover story, submitting false reports documenting that cover story, tampering with witnesses, and lying under oath," the Department to Justice said in a statement.The incident took place at the Penitentiary in Angola, Louisiana.The officers were sentenced last week, and Daniel David was sentenced to 110 months in prison; John Sanders was sentenced to 18 months; James Savoy Jr. was sentenced to 24 months; and Scott Kennedy received a 14-month sentence.The DOJ said that Davis was the ringleader of the incident, and claimed that Davis yanked the inmate’s leg chains, causing the inmate to fall face-first onto the concrete breezeway. The DOJ said that Davis and the other officers then attacked the inmate, who suffered a dislocated shoulder, a hematoma, a collapsed lung, and broken ribs.“Corrections officers are sworn to protect those within our prison systems,” said Brandon J. Fremin U.S. Attorney for the Middle District of Louisiana. “Those officers who carry out vicious attacks such as this strip citizens of their basic civil rights and dishonor the work of honest law enforcement officers. The sentences handed down today serve as an example of officials being held accountable for violations of the public trust that was placed in them.”The facility is the largest maximum-security prison in the United States, with 6,300 inmates housed in the institution. 1587

Fewer women are scheduling mammograms due to COVID-19 fears, according to a local doctor.At TriStar Summit Medical Center, Dr. Rhonda Halcomb with Centennial Women’s group, said they’re being careful.“From the time that you check in here, patients are pre-screened and screened, we provide masks and hand sanitizer here in the building, and here in the office," said Halcomb.Even though we’re in the middle of a pandemic, she said routine mammograms are still important.“Breast cancer, in general, is the number one cancer in women.”She’s sad that fewer people are showing up, or postponing their routine checks.“It breaks my heart in general that people are scared to take care of themselves,” Dr. Halcomb said.First hand, she has seen how mammograms can save lives.“Breast cancer to me has affected several of my family members. I had early breast cancer detected by screening.”Dr. Halcomb said death rates have decreased since the 1970s due to more people getting diagnosed with breast cancer - early.“Mammograms detect breast cancer before someone can feel a breast cancer before the doctor can feel the breast cancer in the breast,” Dr. Halcomb said, “Mammograms are just as important as they’ve ever been.”Actress Kelly Preston just died from breast cancer at 57-years-old. She leaves behind her husband, John Travolta. They were married for 28 years.WTVF's Alexandra Koehn was first to report. 1408

For 9-year-old Joey DeLeon, staying on track can be hard. His mom, JoAnn Lopez, would have to tell him several times to brush his teeth or use his puffer. So, when she heard about The Attention Arcade, a new game system that helps kids focus, she was immediately interested."I figured if it was something we could try and it would work and we could help other kids,” said Lopez. “If it does work, why not do it?”DeLeon is part of a beta test group for Brain Leap Technologies, the company that created the game system. The game comes with a black bar that attaches to your PC. It tracks the child’s eye movements and allows the child to control the game with his or her eyes."The eye movement system and the attention system share neurocircuitry," said Bran Leap Technologies CEO Jeff Coleman. "We are leveraging the eye-movement system. It’s really hard to pin down the attention system, but we leverage the fact that they’re connected to train attention through eye movements."In a new study done at the University of California San Diego that's backed by the National Institutes of Health, Coleman says they saw on average of 55 percent improvement in inhibitory control. That’s the skill you need to not get distracted.And it’s working for DeLeon."I’m good at task initiation, especially when I write things down," said DeLeon. "When my brothers and sister are playing, and they're loud, there's a 50/50 chance I don't get distracted by them.”"He’s gotten better at being independent and just doing it on his own without being asked multiple times. I mean, he still has days where it’s just days, but overall much improved," said Lopez.With DeLeon and his two brothers and sister doing virtual learning this school year, Lopez hopes this helps him focus on his own school work."His grades have been always great when he puts effort in, but he just gets sidetracked a lot, and so hopefully this year, we will see that that has subsided," said Lopez. 1960

Federal Reserve chairman Jerome Powell gave investors reason to cheer on Wednesday when he suggested that the Fed may slow down its interest rate hikes.The Dow surged on the news and closed up 600 points, or more than 2%, in midday trading. The S&P 500 and Nasdaq each rose about 2% as well.Powell reassured investors that the Fed wouldn't risk killing off economic growth by continuing to aggressively raise rates next year."Our gradual pace of raising interest rates has been an exercise in balancing risks," Powell said during a speech at the Economic Club of New York. "We know that moving too fast would risk shortening the expansion. We also know that moving too slowly -- keeping interest rates too low for too long -- could risk other distortions in the form of higher inflation."Powell noted that rates remain relatively low and that they are just below what many economists consider "neutral for the economy -- that is, neither speeding up nor slowing down growth."Investors seemed to interpret Powell's comments as a sign that the Fed, which is widely expected to raise rates again at a meeting next month, may now only hike rates once or maybe twice at most in 2019 as opposed to earlier forecasts of three or four hikes.The Dow's most cyclical stocks were among the biggest gainers. Shares of Boeing (BA), Caterpillar (CAT), Microsoft (MSFT) and Apple (AAPL) helping to lead the rally.In fact, only four Dow stocks -- Verizon (VZ), United Technologies (UTX), DowDupont (DWDP) and Procter & Gamble (PG) -- were trading lower Wednesday afternoon.Matthew Cheslock, a trader at Virtu Financial, told CNNMoney editor-at-large Richard Quest on "Markets Now" Wednesday that the market interpreted Powell's comments as meaning that we are "closer to normal rates. I think that was what really sparked the market to go higher."Cheslock added that some of Powell's remarks about the market not being in a bubble were reassuring as well.Powell's comments may assuage concerns about the Fed possibly going too far with rate increases, a criticism leveled by President Donald Trump.But Tobias Levkovich, Citigroup chief US equity strategist, told Quest that the market may be overreacting."I'm not dancing or partying right at the moment," he said, adding that the Fed has talked about gradual rate hikes "for a very long time." "Maybe [the markets] were just worried it would be worse," Levkovich said.To that end, Trump, who chose Powell to replace former Fed chief Janet Yellen, has often bashed him and the Fed on Twitter and in interviews for the rate hikes.In fact, Trump attacked Powell again in a Washington Post interview Tuesday, saying he was "not even a little bit happy" with Powell and that the Fed was making a mistake with so many rate hikes.Trump even added that sometimes decisions he makes with his "gut" matter more than what other people's brains tell him.Whether or not investors were using their guts or brains when deciding to jump back into stocks Wednesday remains to be seen. But it's clear that the bulls were back in charge on Wednesday."Markets Now" streams live from the New York Stock Exchange every Wednesday at 12:45 p.m. ET. Hosted by Quest and CNNMoney's business correspondents, the 15-minute program features incisive commentary from experts.You can watch "Markets Now" at CNNMoney.com/MarketsNow from your desk or on your phone or tablet. If you can't catch the show live, check out highlights online and through the Markets Now newsletter, delivered to your inbox every afternoon.The-CNN-Wire 3545

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