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When 29-year-old Cecilia Paredes decided to buy a 2018 Mini Cooper with cool black rims, she knew she’d be facing a professional negotiator — the car salesman. So Paredes, who works in the theses and dissertation office at California State University, Long Beach, brought her uncle along as her wingman.“I’m young, I look young and I’m a girl,” she says. “I was afraid they might try to take advantage of me.”Paredes isn’t alone. According to a recent survey commissioned by Cars.com, 1 in 4 millennial car buyers (in this case, ages 18-34) don’t feel comfortable negotiating and would prefer to have their parents help make the deal. But millennials have a secret weapon that forms a strong foundation for effective negotiating strategies: a penchant for online research.Even with the added transparency the internet provides, “negotiating is still very important in car buying,” says Greg Kopf, a brand ambassador for online auto parts retailer CarID. He’s himself a millennial who’s worked as a dealership service advisor.Here is a roadmap for millennials — or anyone new to car-buying — to connect the cold world of data with the human dance of negotiation, whether or not they bring mom or dad along for the ride. 1241

Whether it's turning your daily commute into Pac Man or paving the way for Pokemon Go, Google Maps has been known to integrate video game "Easter eggs" into its app — and it's latest surprise will have Nintendo fans revving their engines.On Friday, Google Maps cryptically tweeted a screencap of a "street view" from Venice, California. The photo shows smiling banana peels in the middle of the road.  414

When United Flight 93 crashed in Shanksville, PA, on Sept. 11, 2001, John Gerula was one of the first on the scene as a volunteer firefighter. The experience inspired John, still in high school, to enlist in the Marines. He shipped out to Iraq two years later, and today he bears the invisible wounds of war.Over the course of 18 months in Fallujah and Operation Phantom Fury, Gerula survived 21 improvised explosive device blasts, resulting in a severe traumatic brain injury that gave him migraines and memory loss, and post-traumatic stress that left him anxious, isolated and abusing alcohol.“I would spend a lot of time by myself at home on my property, just away from people,” Gerula says. “I didn't like large crowds, just the things that brought me back to what caused my issues, the flashbacks and everything.”That all changed this summer when Oliver, Gerula’s service dog, came into his life.”He can sense when I start to breathe heavy, when my heart rate's high, things of that nature, he comes up to me allows me to pet him,” Gerula says. “Since I’ve had Oliver, I’ve not had a drop of alcohol. I gave up drinking altogether. So he has made huge changes in my life.”Gerula and Oliver are among the first four pairs of veterans and service dogs to graduate from American Humane’s “Shelter to Service” program, created to combat the staggering statistics of 20 veterans committing suicide daily due to PTSD and TBI, and the 670,000 dogs euthanized every year in America’s animal shelters.“We saw a great opportunity to uplift the healing power of the human-animal bond by taking incredible dogs who were abandoned, who needed a second chance at life, giving them unbelievable, rigorous training, and then matching them with our veterans, allowing these veterans a chance for healing, hope, compassion, and love,” says American Humane’s President and CEO Robin Ganzert.Ganzert’s organization is currently training its second “Shelter to Service” class while advocating for a bill on Capitol Hill to establish national training standards and speed up the service dog waitlist, which currently runs from 18 to 24 months.And Gerula has a message to veterans seeking the help with their own struggles.“Don't give up,” he says. “The best thing to do is to keep going and just go do every option you can.” 2346

WEST PALM BEACH, Fla. — President Donald Trump and First Lady Melania Trump arrived at Palm Beach International Airport Wednesday evening to spend the final Christmas of his presidency at Mar-a-Lago.The Federal Aviation Administration placed temporary flight restrictions around Mar-a-Lago's airspace on Tuesday and the Town of Palm Beach has placed checkpoints and closed roads around Mar-a-Lago. Those closures will be in effect through Sunday, Jan. 3, 2021.The Trumps traditionally attend a Christmas service at Bethesda By The Sea in Palm Beach, but this year the church will be holding services virtually. 618

What would it take to save million for retirement? Right now, more people than ever are 401k millionaires.Financial adviser Jonathan Duong says saving million is not as impossible as it may seem."A million dollars is very achievable for folks who aren't necessarily making really large six-figure incomes," Duong says.   The average 401k millionaire has been contributing to their retirement fund for over 30 years, according to MarketWatch.  So, how do you get to million in your 401k? Duong says there are a few easy ways.   First, defer over 10 percent of your paycheck to your 401k. Fidelity Investments says it might seem like a lot, but in the end, it should leave you with an annual income that you're use to once you retire.   Next, take advantage of your employer match."A match is free money," Duong says.   MarketWatch found 28 percent of the contributions to the average 401k millionaire's account came from their employer.   "Additional things you can do is working a little bit longer and delaying social security," suggests Duong.   Delaying Social Security until you’re in your 70's will allow you to get more money opposed to taking it sooner.   “It’s fairly good to say that if you've got 25 to 30 times your annual living expenses saved up, you might be in a position to retire, but there are a lot of other details that go into it," Duong explains.   There's no rule of thumb for how much everyone should save, Duong says. It all depends on your living expenses and how much it takes for you to live comfortably.   "In my mind, the ability to start today is really a reality for most people it's never too late," Duong says. 1756