Por Elisabeth Buchwald, CNN

Durante generaciones, la fórmula para salir adelante en Estados Unidos parecía sencilla: ir a la universidad, trabajar duro, ahorrar dinero, comprar una casa y ascender en la escala económica.

Hoy en día, esa fórmula depende cada vez más de algo que muchos estadounidenses no pueden controlar: si su familia tiene los medios económicos para ayudarles en el camino. Sin ese apoyo, muchos estadounidenses enfrentan deudas crecientes y un camino cada vez más difícil —si no imposible— hacia la propiedad de una vivienda y la acumulación de riqueza.

La dependencia es especialmente marcada entre los adultos jóvenes, que están entrando en una economía que se ha vuelto menos indulgente. Conseguir un empleo es más difícil que hace solo unos años; los gastos cotidianos consumen una mayor parte de los sueldos; la deuda de préstamos estudiantiles sigue pesando sobre los prestatarios; y los posibles compradores de vivienda están siendo relegados a un segundo plano mientras los altos precios chocan con tasas hipotecarias persistentemente elevadas.

Esa realidad está transformando el papel del apoyo familiar. Casi la mitad de los adultos de entre 18 y 29 años recibieron ayuda de alguien con quien no viven para cubrir gastos recurrentes durante el último año —como vivienda, transporte y facturas médicas— según la última Encuesta sobre Economía Doméstica y Toma de Decisiones de la Reserva Federal.

Una proporción casi idéntica (49 %) de personas de ese grupo también informó vivir con sus padres, según la encuesta, que se realizó en octubre. Eso representa un aumento de seis puntos porcentuales respecto a 2022 y de 12 puntos porcentuales respecto a 2019.

“Definitivamente estoy viendo que los hijos permanecen más tiempo atados a sus padres”, dijo Nate Kinzinger, asesor patrimonial en Small World Wealth Management, una división de Northwestern Mutual. Parte de esto se debe a que no ganan lo suficiente para mantenerse por sí mismos, explicó. Pero tampoco están cambiando su estilo de vida para ahorrar dinero. En cambio, dijo, “les están pidiendo a sus padres que les den más”.

Entre las familias que él describe como “moderadamente acomodadas” a las que asesora, Kinzinger dijo que los padres suelen acceder.

No todas las familias tienen los medios económicos para hacerlo.

Para los padres que pueden permitírselo, brindar asistencia financiera a hijos adultos se ha convertido en una forma de ayudarlos a cubrir sus necesidades inmediatas, en lugar de hacer que esperen hasta que fallezcan para heredar, dijo Emily Irwin, directora general de planificación de patrimonio privado en Wells Fargo.

“Están reflexionando sobre sus objetivos y dicen que encuentran más alegría, satisfacción y propósito al poder ver el impacto”, señaló.

Esa filosofía influyó en la decisión que tomó David después de heredar más de US$ 500.000 de sus padres a los 61 años. David, un fisioterapeuta jubilado que ahora tiene 68 años, pidió que no se utilizara el apellido de su familia para proteger su privacidad.

Su asesor financiero ya le había asegurado que los aproximadamente US$ 750.000 que él y su esposa habían ahorrado para la jubilación, más los US$ 566.000 adicionales que heredó, eran más que suficientes para mantenerlos. Así que decidió darles US$ 50.000 a cada uno de sus hijos. Aunque su asesor le animó a anteponer sus propias necesidades y quedarse con todo el dinero, él sentía que, dado el estilo de vida sencillo que lleva, si no podía arreglárselas sin esos US$ 100.000 extra, estaba haciendo algo mal.

Les entregó el dinero e

By Ben Church, CNN

(CNN) — After 103 matches and 38 days of action, we’re down to the final game on the last day of the 2026 World Cup.

A total of 46 teams have fallen and only two nations remain – world No. 1 Argentina and world No. 2 Spain.

Incredibly, the last time the two teams met on the World Cup stage was back in 1966, but they are set to clash again at 3 p.m. ET on Sunday at the MetLife Stadium in New Jersey.

There are so many storylines and subplots to explore ahead of the final, including half-time shows and President Donald Trump in attendance, so let’s get straight into it.

Styles make fights

Firstly, this will be a clash of two very opposing styles. To use a phrase coined by former Liverpool manager Jurgen Klopp, it’s heavy metal music versus an orchestra.

On the one hand, Argentina is all about aggression and physicality. They do the ugly stuff so well, almost prioritizing that over the obvious quality it possesses. It’s all guns blazing from the opening minute, foot smashed down against the accelerator, hurtling downhill and throwing everything it has in attack.

All that chaos lays the perfect foundation for Lionel Messi to wave his magic wand. His teammates – more akin to bodyguards this summer – do the dirty work, which leaves Messi to focus solely on unlocking the opposition’s defense with his unrivaled quality.

It’s a tactic that has worked. A host of late goals and comebacks suggests opponents can’t live with Argentina’s intensity for a full 90 minutes.

Then you have Spain. La Roja is a far more patient team, preferring to keep possession and pass their opponent to death, waiting for any momentary lapse of concentration. The philosophy is a simple one: If we have the ball, the opposition can’t score – and it’s one that’s served the nation well in recent years.

Spain last won the World Cup in 2010 off the back of a similar possession-based game, dubbed “tiki-taka”. That style of play defined an era of soccer that has started to be pushed out by a more physical form in recent seasons. Even when Spain won the European Championship in 2022, it did so by utilizing the pace and directness of its wingers.

But after several injuries to the squad this summer, manager Luis de la Fuente has reverted to Spain’s trusty trademark, which sees it as the narrow favorite for the title.

The aim for Argentina is clear for everyone to see: knock Spain out of its rhythm.

With that said, Spanish star Rodri will have a target on his back (or, more appropriately, his ankles). The 30-year-old is often the metronome in that Spanish midfield who keeps things ticking. No player in the tournament has made more passes than him (694, over a hundred more than anyone else). Stop him and Argentina takes away Spain’s superpower.

You won’t be surprised to hear that no team has committed more fouls than Argentina this tournament, so expect tackles aplenty and heated confrontations flaring up both on and off the pitch.

Spain must remain calm and not rise to the bait if it wants to stick to its game plan – although that’s easier said than done. One thing’s for sure, referee Slavko Vinčić will have his work cut out from the off.

“I think Sunday’s match will be quite different, as it will be a more physical one and we must be prepared,” Rodri told reporters in the days ahead of the final, saying he’s confident his team can hold its own against any style of play.

“We know how to play different games based on the moment. So, we can adapt to having to defend, counterattacking, to attacking. We are a very complete team, and that is why we are here.”

The King vs the Prince

The clash of styles is one subplot b

VENTURA, Calif. (KEYT) Another peaceful protest took place in Ventura on Saturday.

Organizers called it a "good trouble lives on and civil rights rally."It took place in Ventura by the Ventura County government center..People taking part in the  rally sang and urged people to honk their horns as they drove by.They also called it a civil rights rally as they are concerned about voting rights.This is a weekly rally  that has changing themes .

The post Weekly Protests continue in Ventura appeared first on News Channel 3-12.

By Daria Tarasova-Markina, Victoria Butenko, CNN

Kyiv (CNN) — Russia launched one of its largest ballistic missile attacks against Ukraine since the war began overnight into Sunday, according to authorities.

Ukraine’s air force said Moscow had launched “a massive combined strike against Ukraine using attack UAVs and various types of air- and ground-launched missiles,” and that the main target was the capital Kyiv.

CNN journalists in the city reported hearing explosions throughout the night. On Sunday morning there was a strong smell of smoke in the city, one said.

“The enemy launched more than 40 missiles of various types – most of them against the capital – and 120 attack drones,” President Volodymyr Zelensky said.

Andriy Sybiha, acting minister of foreign affairs, said Russia had launched “around four dozen” missiles traveling on a ballistic trajectory, describing it as the “largest number of ballistic missiles since the start of the war.”

Air defenses had “shot down or neutralized 126 targets, including 18 missiles and 108 unmanned aerial vehicles,” the air force said.

One person had been killed and 16 wounded in Kyiv, according to the emergency services.

This is a developing story and will be updated.

The-CNN-Wire
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The post Russia unleashes one of biggest ballistic missile attacks of the Ukraine war, Kyiv says appeared first on News Channel 3-12.

OXNARD, Calif. (KEYT) The Pacific Corinthian Youth Foundation is teaching the next generation of sailors.

The Ventura County nonprofit began in 1992.

It still has some openings for the remaining weeks of summer camps in the Channel Islands Harbor.

The sailors get hands on experience on the water and on the PCYC dock.

The Pacifc Corinthian Yacht Club  is also gearing up for the annual McNish Classic Yacht race next Saturday.

For more information email; [email protected]

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