Jason Metz - Forbes Advisor
Owning a car can be expensive. The average cost of owning and operating a new car was $773.50 a month in 2019, according to an AAA study. AAA looked at six expenses: fuel, maintenance/repairs/tire costs, license/registration/taxes, depreciation, finance charges and car insurance. While you may not have much control over many of these, you may be able to reduce your car insurance costs.
kAm(96? J@F’C6 =@@<:?8 7@C E96 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^42C\:?DFC2?46^36DE\42C\:?DFC2?46\4@>A2?:6D^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm36DE 42C :?DFC2?46 4@>A2?:6Dk^2m[ 2=H2JD 2D< 23@FE 5:D4@F?ED] %96 2G6C286 4@DE @7 42C :?DFC2?46 W:?4=F5:?8 4@==:D:@?[ 4@>AC696?D:G6 2?5 =:23:=:EJ 4@G6C286X H2D S`[_ea A6C J62C :? a_`e[ 244@C5:?8 E@ E96 }2E:@?2= pDD@4:2E:@? @7 x?DFC2?46 r@>>:DD:@?6CD’ >@DE C646?E C6A@CE]k^Am
People are also reading…
- 12-year-old arrested in death of classmate who was hit in the head by a metal water bottle
- Iowa State AD Jamie Pollard addresses women's basketball transfers, Bill Fennelly's future
- What Iowa State's Milan Momcilovic said about future after Tennessee game
- A year after Trump's DOGE cuts, workers whose lives were upended question what was saved
- Report: Iowa State fan-favorite Cade Kelderman enters transfer portal
- What Iowa State star Addy Brown said in transfer portal announcement
- Yes, the pros get nervous, too. Here's how Stephen Curry and others deal with it
- Freshman Freya Jensen changes mind on transfer portal, returning to Iowa State
- Concerns over a Nebraska hospital show how a $50B rural health fund falls short
- Spring Football Notebook: Is Kirk Ferentz concerned about Iowa’s special teams after offseason exodus?
- ICE arrested over 800 people after tips from US airport security agency
- Pioneer women's basketball powers fade into the shadows full of pride as money reshapes the game
- What to Stream: Sydney Sweeney, 'Malcolm in the Middle,' Jonah Hill, 'Hacks' and Ella Langley
- What Audi Crooks entering portal means for Iowa State, Bill Fennelly
- As Trump weighs appeal of vaccine ruling, Kennedy supporters push for fight
kAm%96C6 2C6 >@C6 E92? 2 5@K6? EJA6D @7 4@>>@? 2FE@ :?DFC2?46 5:D4@F?ED[ 2?5 @E96CD E92E G2CJ 3J :?DFC2?46 4@>A2?J] xE’D H6== H@CE9 J@FC E:>6 E@ 2D< J@FC :?DFC2?46 286?E E@ C6G:6H E96 5:D4@F?ED J@F >2J 36 6=:8:3=6 7@C]k^Am
k9amr2C x?DFC2?46 s:D4@F?E %:ADk^9am
kAmr2C :?DFC2?46 5:D4@F?ED 2C6?’E 2=H2JD H92E E96J D66>] u@C 6I2>A=6[ J@F >:89E E9:?< “3:8 D2G:?8DP” H96? J@F D66 2 5:D4@F?E 25G6CE:D65 H:E9 FA E@ c_T @77[ 3FE E92E 5@6D?’E ?646DD2C:=J >62? J@F’C6 8@:?8 E@ 86E c_T @77 J@FC 6?E:C6 42C :?DFC2?46 3:==]k^Am
kAmw6C6 2C6 D@>6 5:D4@F?E 42C :?DFC2?46 E:AD]k^Am
kAmkDEC@?8mq6H2C6 @7 E96 “FA E@]”k^DEC@?8m *@F’== FDF2==J 7:?5 E92E 5:D4@F?ED 2C6 =:DE65 2D “FA E@” 2 46CE2:? A6C46?E] *@F >:89E ?@E 86E E92E A6C46?E] %96 9:896DE 5:D4@F?E >2J 36 @776C65 @?=J E@ 46CE2:? 4=2DD6D @7 5C:G6CD[ 7@C 6I2>A=6]k^Am
kAmkDEC@?8m$@>6 5:D4@F?ED 2AA=J @?=J E@ DA64:7:4 4@G6C286 EJA6D[ ?@E J@FC 6?E:C6 3:==k^DEC@?8m] u@C 6I2>A=6[ D62E 36=E 5:D4@F?ED >:89E 36 2AA=:65 @?=J E@ J@FC 4@DE 7@C >65:42= A2J>6?ED 4@G6C286 @C k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^42C\:?DFC2?46^A:A\8F:56^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmA6CD@?2= :?;FCJ AC@E64E:@?k^2m[ 3642FD6 E9@D6 EJA6D A2J 7@C A2DD6?86C :?;FC:6D] p?E:\E967E 56G:46 5:D4@F?ED >:89E 2AA=J E@ @?=J E@ 4@>AC696?D:G6 4@G6C286[ 3642FD6 E92E’D E96 4@G6C286 E92E A2JD 7@C 42C E967E]k^Am
kAmkDEC@?8m$@>6 5:D4@F?ED 2C6 C6BF:C65 3J DE2E6 =2Hk^DEC@?8m] *@F’== 86E DE2E6\>2?52E65 5:D4@F?ED 7C@> 2?J :?DFC2?46 4@>A2?J] u@C 6I2>A=6[ }6H *@C< >2?52E6D 2 `_T 5:D4@F?E @77 @7 =:23:=:EJ 2?5 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^42C\:?DFC2?46^4@>AC696?D:G6\GD\4@==:D:@?\2FE@\:?DFC2?46^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm4@==:D:@? 4@G6C286k^2m 7@C E9C66 J62CD 7@C 5C:G6CD H9@ E2<6 2 5676?D:G6 5C:G:?8 4@FCD6 2?5 D6?5 2 46CE:7:42E6 @7 4@>A=6E:@? E@ E96 :?DFC2?46 4@>A2?J]k^Am
kAmkDEC@?8ms:D4@F?ED 42? 36 42AA65k^DEC@?8m] *@F >:89E BF2=:7J 7@C >F=E:A=6 5:D4@F?ED[ 3FE E96 :?DFC2?46 4@>A2?J FDF2==J =:>:ED E96 E@E2= A@DD:3=6 5:D4@F?E A6C46?E286] u@C 6I2>A=6[ J@F >:89E 255 FA 5:D4@F?ED E92E =@@< =:<6 fdT @77 J@FC 2FE@ :?DFC2?46 W96==@ ?6H 6DAC6DD@ >249:?6PX[ 3FE E96 E@E2= >:89E 36 42AA65 2E a_T]k^Am
kAmkDEC@?8m}@E 2== 5:D4@F?ED 2C6 2FE@>2E:4k^DEC@?8m] *@F >:89E 92G6 E@ 2D< 7@C E96>[ 6DA64:2==J :7 J@F’G6 925 E96 D2>6 A@=:4J 7@C 2 76H J62CD] *@FC :?DFC2?46 4@>A2?J >2J ?@E <?@H E92E J@F 925 2? 2?E:\E967E 56G:46 :?DE2==65 :? J@FC 42C[ @C E92E J@FC DEF56?E 5C:G6C 92D 6I46==6?E 8C256D] %96 36DE H2J E@ D2G6 >@?6J @? 5:D4@F?ED :D E@ 2D< J@FC :?DFC2?46 286?E @? 2 C68F=2C 32D:D E@ C6G:6H J@FC A@=:4J]k^Am
kAmkDEC@?8ms:D4@F?ED G2CJ 3J DE2E6 2?5 :?DFC2?46 4@>A2?Jk^DEC@?8m] p 5:D4@F?E J@F D66 >6?E:@?65 @? 2? :?DFC2?46 4@>A2?J H63D:E6 >:89E ?@E 24EF2==J 36 2G2:=23=6 :? J@FC DE2E6]k^Am
k9am%JA6D @7 r2C x?DFC2?46 s:D4@F?EDk^9am
kAm(6 =@@<65 2E 5:D4@F?E A6C46?E286D H96? E96J H6C6 2G2:=23=6 7C@> `` @7 E96 ?2E:@?’D =2C86DE 2FE@ :?DFC2?46 4@>A2?:6D E@ 7:?5 EJA:42= C2?86D] *@F >2J 7:?5 9:896C @C =@H6C 5:D4@F?ED 7C@> J@FC @H? :?DFC2?46 4@>A2?J]k^Am
kAmkDEC@?8m|F=E:\A@=:4J 5:D4@F?Ek^DEC@?8mi %9:D 5:D4@F?E 2AA=:6D H96? J@F 3FJ 42C :?DFC2?46 A=FD @E96C A@=:4:6D 7C@> E96 D2>6 4@>A2?J] xE’D 2=D@ 42==65 2 “>F=E:\=:?6 5:D4@F?E” 2?5 4@>>@?=J C676CC65 E@ 2D “3F?5=:?8]” qF?5=:?8 J@FC 42C :?DFC2?46 2?5 9@>6 :?DFC2?46 A@=:4:6D :D FDF2==J @?6 @7 E96 3:886DE 5:D4@F?ED J@F 42? D4@C6[ @7E6? 36EH66? dT E@ adT @77] qFE :7 J@F’C6 ?@E 2 9@>6@H?6C[ 5@?’E H@CCJ[ J@F 42? EJA:42==J 3F?5=6 42C :?DFC2?46 H:E9 @E96C :?DFC2?46 A@=:4:6D[ =:<6 4@?5@[ C6?E6CD[ >@E@C4J4=6[ 3@2E[ #'D 2?5 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^=:76\:?DFC2?46^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm=:76 :?DFC2?46k^2m]k^Am
kAmkDEC@?8m|F=E:\42C 5:D4@F?Ek^DEC@?8mikDEC@?8m k^DEC@?8m*@F 42? FDF2==J 8C23 E9:D 5:D4@F?E :7 J@F :?DFC6 >@C6 E92? @?6 42C H:E9 E96 D2>6 :?DFC2?46 4@>A2?J] %JA:42= 5:D4@F?ED 2C6 FA E@ gT E@ adT]k^Am
kAmkDEC@?8mr2C D276EJ 5:D4@F?EDk^DEC@?8mi x7 J@FC 42C 92D D276EJ 6BF:A>6?E =:<6 2?E:\=@4< 3C2<6D[ 2:C 328D 2?5 52JE:>6 CF??:?8 =:89ED[ J@F >2J 86E 2 5:D4@F?E] s2JE:>6 CF??:?8 =:89ED 2C6 EJA:42==J G6CJ D>2== 5:D4@F?ED[ 3FE 2:C 328 5:D4@F?ED 7@C 7F==\7C@?E D62E 2:C 328D 42? 36 2D >F49 2D c_T 2AA=:65 E@ J@FC >65:42= A2J>6?ED @C A6CD@?2= :?;FCJ AC@E64E:@? 4@G6C286]k^Am
kAmkDEC@?8m}6H 42C 5:D4@F?Ek^DEC@?8mi r2CD E92E 2C6 =6DD E92? E9C66 J62CD @=5 42? @7E6? BF2=:7J 7@C 2 ?6H 42C 5:D4@F?E[ @7E6? 36EH66? `_T E@ `dT]k^Am
kAmkDEC@?8mp?E:\E967E 5:D4@F?EDk^DEC@?8mi x7 J@FC 42C 92D 2?E:\E967E 762EFC6D[ J@F 42? EJA:42==J 86E 2 5:D4@F?E FA E@ dT @C adT @77 J@FC 4@>AC696?D:G6 4@G6C286] s6A6?5:?8 @? E96 :?DFC2?46 4@>A2?J[ J@F >2J 36 23=6 E@ 86E 2?E:\E967E 5:D4@F?ED 7@C 3@E9 724E@CJ :?DE2==65 2?5 27E6C\>2C<6E :?DE2==65 56G:46D]k^Am
kAmp3@FE c`T @7 DE@=6? G69:4=6D 2C6 ?6G6C C64@G6C65[ 244@C5:?8 E@ E96 }2E:@?2= w:89H2J %C277:4 $276EJ p5>:?:DEC2E:@?] w6C6 2C6 2 76H EJA6D @7 2?E:\E967E 56G:46D E92E 42? 96=A J@F C64@G6C 2 DE@=6? 42C 2?5 A@E6?E:2==J 86E J@F 2 5:D4@F?Eik^Am
kF=mk=:mkDEC@?8mv!$ 32D65 DJDE6>Dk^DEC@?8mi $@>6 42CD 2C6 6BF:AA65 H:E9 D6CG:46D =:<6 ~?$E2C @C %@J@E2’D $276EJ r@??64E[ H9:49 FE:=:K6 v!$ E@ 96=A =@42E6 E96 DE@=6? G69:4=6] $@>6 DJDE6>D[ =:<6 E96 ~?$E2C “#6>@E6 x8?:E:@? q=@4<[” 42? DE@A 2 42C E9:67 7C@> C6DE2CE:?8 J@FC G69:4=6]k^=:mk=:mkDEC@?8m$E@=6? G69:4=6 C64@G6CJ DJDE6>Dk^DEC@?8mi %96D6 EJA6D @7 DJDE6>D[ =:<6 {@y24<[ 96=A =2H 6?7@C46>6?E EC24< 2?5 C64@G6C J@FC DE@=6? 42C 3J D6?5:?8 2 D:=6?E C25:@ D:8?2= E@ 2 EC2?D46:G6C :?DE2==65 :? E96 42C] *@FC 42C :?DFC2?46 4@>A2?J >2J @776C 2 5:D4@F?E[ 3FE J@F’== ?665 E@ AC@G:56 AC@@7 @7 :?DE2==2E:@?]k^=:mk=:mkDEC@?8m'x} 6E49:?8k^DEC@?8mi %9:D :D 2 A6C>2?6?E 6?8C2G:?8 @7 E96 G69:4=6 :56?E:7:42E:@? ?F>36C W'x}X @? 2 42C’D H:?5D9:6=5 2?5 H:?5@HD] xE’D FD65 2D 2 56E6CC6?E 282:?DE 42C E9:6G6D H9@ H@F=5 92G6 E@ C6>@G6 2?5 C6A=246 'x}\6E4965 8=2DD 367@C6 D6==:?8 J@FC 42C] $@>6 42C :?DFC2?46 4@>A2?:6D ?@E @?=J @776C 2 5:D4@F?E 7@C 'x} 6E49:?8[ 3FE 2=D@ 4@F=5 H2:G6 J@FC k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^:?DFC2?46^4@==:D:@?\2?5\4@>AC696?D:G6\:?DFC2?46^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm4@>AC696?D:G6 4@G6C286k^2m 565F4E:3=6 :7 J@FC 42C :D DE@=6?]k^=:mk^F=m
kAmkDEC@?8mv@@5 5C:G6C 5:D4@F?EDk^DEC@?8mi r2C :?DFC2?46 4@>A2?:6D =@G6 8@@5 5C:G6CD 2?5 @7E6? C6H2C5 E96> H:E9 D2G:?8D] p 42C :?DFC2?46 4@>A2?J H:== EJA:42==J C6BF:C6 J@F E@ 36 :?4:56?E\7C66 7@C 2 46CE2:? 2>@F?E @7 E:>6] u@C 6I2>A=6[ :7 J@F 92G6?’E 925 2?J 244:56?ED :? 7:G6 J62CD[ v6:4@ @776CD FA E@ aeT :? A@E6?E:2= D2G:?8D] x7 J@F 92G6?’E 925 2?J 244:56?ED[ 42C :?DFC2?46 4=2:>D @C EC277:4 G:@=2E:@?D[ J@F 4@F=5 BF2=:7J 7@C 2 5:D4@F?E] v@@5 5C:G6C 5:D4@F?ED @7E6? C2?86 36EH66? `_T E@ c_T]k^Am
kAmkDEC@?8ms676?D:G6 5C:G6C 5:D4@F?EDk^DEC@?8mi $@>6 :?DFC2?46 4@>A2?:6D H:== 8:G6 J@F 2 5:D4@F?E :7 J@F’C6 H:==:?8 E@ E2<6 2? 2AAC@G65 5676?D:G6 5C:G:?8 4@FCD6] qFE <66A :? >:?5[ E9:D 5:D4@F?E >2J @?=J 2AA=J E@ BF2=:7:65 5C:G6CD @7 2 46CE2:? 286[ EJA:42==J d_ @C @=56C] s676?D:G6 5C:G6C 5:D4@F?ED EJA:42==J C2?86 36EH66? dT E@ `_T] $@>6 DE2E6D >2?52E6 E9:D 5:D4@F?E]k^Am
kAmkDEC@?8mv@@5 DEF56?E 5:D4@F?Ek^DEC@?8mi x7 J@F @C J@FC DEF56?E 5C:G6C :D 6?C@==65 7F==\E:>6 2E 2 9:89 D49@@= @C 4@==686 2?5 >66ED 46CE2:? C6BF:C6>6?ED[ J@F 4@F=5 BF2=:7J 7@C 2 5:D4@F?E] r2C :?DFC2?46 4@>A2?:6D EJA:42==J C6BF:C6 E96 DEF56?E E@ >2:?E2:? 2E =62DE 2 q 2G6C286 2?5 36 286 `e E@ ad] (6 7@F?5 8@@5 DEF56?E 5:D4@F?ED C2?8:?8 36EH66? gT E@ adT]k^Am
kAmkDEC@?8m$EF56?ED 2H2J 2E D49@@=k^DEC@?8m kDEC@?8m5:D4@F?Ek^DEC@?8mi x7 J@FC DEF56?E :D 2H2J 2E D49@@= 2?5 H:E9@FE 2 42C[ J@F >2J 36 23=6 E@ 86E 2 5:D4@F?E] #6BF:C6>6?ED G2CJ 2>@?8 42C :?DFC2?46 4@>A2?:6D[ 3FE E96 DEF56?E EJA:42==J 92D E@ 36 F?56C 286 ad[ >@C6 E92? `__ >:=6D 7C@> 9@>6 2?5 H:E9 2446DD E@ J@FC 42C @?=J H9:=6 9@>6 5FC:?8 D49@@= G242E:@?D 2?5 9@=:52JD]k^Am
kAmkDEC@?8m!2J :? 7F== 5:D4@F?Ek^DEC@?8mi x7 J@F A2J J@FC 7F==\E6C> FA 7C@?E[ 42C :?DFC2?46 4@>A2?:6D EJA:42==J @776C 2 5:D4@F?E DF49 2D `_T]k^Am
kAmkDEC@?8mt=64EC@?:4 uF?5D %C2?D76C Wtu%X 5:D4@F?Ek^DEC@?8mi x7 J@F A2J :? :?DE2==>6?ED[ J@F >2J 36 23=6 E@ 86E 2 D>2== 5:D4@F?E 7@C FD:?8 2FE@>2E:4 H:E95C2H2=D]k^Am
kAmkDEC@?8m!2A6C=6DD 5:D4@F?Ek^DEC@?8mi x7 J@F’C6 H:==:?8 E@ 8@ A2A6C=6DD[ J@F’== 86E J@FC A@=:4J 5@4F>6?ED 2?5 3:==:?8 6=64EC@?:42==J] %96 :?DFC2?46 4@>A2?J >2J @776C 2 D>2== 5:D4@F?E]k^Am
kAmkDEC@?8m~?=:?6 BF@E6 5:D4@F?Ek^DEC@?8mi $@>6 42C :?DFC2?46 4@>A2?:6D H:== @776C 2 5:D4@F?E :7 J@F 86E 2? @?=:?6 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^42C\:?DFC2?46^42C\:?DFC2?46\BF@E6D^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm42C :?DFC2?46 BF@E6k^2m 2?5 D:8? FA 7@C 2 A@=:4J] %9:D 42? C2?86 7C@> cT E@ `aT]k^Am
kAmkDEC@?8m~44FA2E:@?2= 5:D4@F?EDk^DEC@?8mi s6A6?5:?8 @? J@FC @44FA2E:@?[ J@F >:89E BF2=:7J 7@C 5:D4@F?ED] u@C 6I2>A=6[ {:36CEJ |FEF2= @776CD 65F42E@CD DA64:2= A@=:4J 762EFC6D 2?5 v6:4@ @776CD FA E@ `dT @77 7@C >:=:E2CJ A6CD@??6=] xE’D 2 8@@5 :562 E@ 2D< J@FC :?DFC2?46 286?E :7 J@FC @44FA2E:@? BF2=:7:6D 7@C 2 5:D4@F?E]k^Am
kAmkDEC@?8mp=F>?: 2DD@4:2E:@?D 2?5 AC@76DD:@?2= @C82?:K2E:@?Dk^DEC@?8mi %9:D >:89E :?4=F56 4@==686 2=F>?: 2DD@4:2E:@?D[ 7C2E6C?:E:6D[ 2?5 D@C@C:E:6D[ 2?5 AC@76DD:@?2= @C82?:K2E:@?D W=:<6 J@FC DE2E6’D 32C 2DD@4:2E:@? @C 2 F?:@?X]k^Am
kAmkDEC@?8m&D286\32D65 :?DFC2?46 AC@8C2> 5:D4@F?Ek^DEC@?8mi *@FC :?DFC2?46 4@>A2?J >:89E @776C k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^42C\:?DFC2?46^FD286\32D65\:?DFC2?46^RiOiE6IEl&D286Tas32D65Ta_2FE@Ta_:?DFC2?46Ta_EC24<D[2?5Ta_2Ta_A6CTas>:=6Ta_C2E6]nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmFD286\32D65 :?DFC2?46k^2m W&qxX[ H9:49 25;FDED :?DFC2?46 AC6>:F>D 32D65 @? 9@H @7E6? 2?5 9@H H6== J@F 5C:G6] s2E2 :D EJA:42==J 4@==64E65 FD:?8 2 56G:46 :?DE2==65 FD:?8 J@FC 42C’D ~sq\xx A@CE @C 4@==64E65 7C@> 2 D>2CEA9@?6 2AA] |@DE &qx AC@8C2>D @776C 2 5:D4@F?E 7@C 6?C@==:?8 W36EH66? dT E@ `_TX 2?5 E96? 2 5:D4@F?E 32D65 @? J@FC 5C:G:?8 923:ED] %96 5:D4@F?E :D EJA:42==J 2AA=:65 2E A@=:4J C6?6H2= E:>6] x7 J@F’C6 2 8@@5 5C:G6C[ 2 EJA:42= &qx 5:D4@F?E 4@F=5 36 2?JH96C6 36EH66? dT E@ c_T]k^Am
kAm}@E6 E92E 2 &qx 5:D4@F?E >:89E ?@E 2AA=J E@ J@FC 6?E:C6 A@=:4J]k^Am
kAmw6C6 2C6 D@>6 6I2>A=6D]k^Am
kE23=6mkE3@5JmkECmkE5mkDEC@?8mx?DFC2?46 4@>A2?Jk^DEC@?8mk^E5mkE5mkDEC@?8mt?C@==>6?E 5:D4@F?Ek^DEC@?8mk^E5mkE5mkDEC@?8m$276 5C:G:?8 5:D4@F?Ek^DEC@?8mk^E5mk^ECmkECmkE5mp==DE2E6 sC:G6H:D6k^E5mkE5mr2D9 324< 2>@F?E G2C:6Dk^E5mkE5mr2D9 324< 2>@F?E G2C:6Dk^E5mk^ECmkECmkE5mp>6C:42? u2>:=J z?@H *@FC sC:G6k^E5mkE5mdTk^E5mkE5m&A E@ a_Tk^E5mk^ECmkECmkE5mu2C>6CD x?DFC2?46 $:8?2=k^E5mkE5mdTk^E5mkE5m&A E@ `dT 2E C6?6H2=j FA E@ `_T 7@C J@F?8 5C:G6CDj 6=:8:3:=:EJ E@ H:? >@?6J C6H2C5D 7@C 8@@5 5C:G:?8 D4@C6Dk^E5mk^ECmkECmkE5m{:36CEJ |FEF2= #:89E %C24<k^E5mkE5m}^pk^E5mkE5mdT E@ b_T 7@C E96 =:76 @7 E96 A@=:4Jk^E5mk^ECmkECmkE5m|p!u#t sC:G6p5G:D@Ck^E5mkE5m*6Dk^E5mkE5m$2G:?8D 42=4F=2E65 27E6C 4@>A=6E:?8 E96 @?3@2C5:?8 AC@46DD 2?5 2E A@=:4J C6?6H2=k^E5mk^ECmkECmkE5m}2E:@?H:56 $>2CE#:56k^E5mkE5m`_Tk^E5mkE5m&A E@ c_Tk^E5mk^ECmkECmkE5m!C@8C6DD:G6 $?2AD9@Ek^E5mkE5m*6Dk^E5mkE5ms:D4@F?E 42=4F=2E65 27E6C J@F 4@>A=6E6 E96 AC@8C2> 2?5 C6?6H J@FC A@=:4J WFDF2==J H:E9:? D:I >@?E9DXk^E5mk^ECmkECmkE5m%C2G6=6CD x?E6==:sC:G6k^E5mkE5m!@E6?E:2= 5:D4@F?E 42=4F=2E65 32D65 @? E96 7:CDE h_ 52JD @7 E96 AC@8C2>k^E5mkE5m&A E@ a_T 2E A@=:4J C6?6H2=k^E5mk^ECmkECmkE5m$2764@ #:89E%C24<k^E5mkE5m*6Dk^E5mkE5mdT E@ b_Tk^E5mk^ECmkECmkE5m$E2E6 u2C> sC:G6 $276 U2>Aj $2G6k^E5mkE5m&A E@ dTk^E5mkE5m&A E@ b_Tk^E5mk^ECmk^E3@5Jmk^E23=6m
k5:GmkD64E:@? 4=2DDlQ72BD 72B\4@?E2:?6CQmk9amr2C x?DFC2?46 s:D4@F?ED up"k^9amk5:G 4=2DDlQ72B\HC2AA6CQmk5:G 4=2DDlQ72B\BF6DE:@?\HC2AA6CQmk5:G 4=2DDlQ496GC@?\HC2AA6CQmk5:G 4=2DDlQ496GC@?\2CC@HQmk^5:Gmk^5:Gmk9b 4=2DDlQ72B\BF6DE:@?Qm(92E 2C6 E96 36DE 5:D4@F?ED 7@C 42C :?DFC2?46nk^9bmk^5:Gmk5:G 4=2DDlQ72B\2?DH6CQmkAmqF?5=:?8 W2=D@ <?@H? 2D 2 >F=E:\=:?6 5:D4@F?EX :D @?6 @7 E96 36DE 42C :?DFC2?46 5:D4@F?ED J@F 42? 86E]k^AmkAm k^AmkAmqF?5=:?8 J@FC 2FE@ :?DFC2?46 H:E9 9@>6 :?DFC2?46 42? FDF2==J 86E J@F 2?JH96C6 7C@> 2 dT E@ 2 adT 5:D4@F?E] qFE :7 J@F’C6 ?@E 2 9@>6@H?6C[ E92E’D ~z] *@F 42? 86E 2 3F?5=:?8 5:D4@F?E :7 J@F :?DFC6 J@FC 42C H:E9 E96 D2>6 4@>A2?J J@F FD6 7@C 4@?5@[ C6?E6CD[ 3@2E[ >@E@C4J4=6 @C #' :?DFC2?46]k^AmkAm k^AmkAmv@@5 5C:G6C 5:D4@F?ED 2C6 2?@E96C D@=:5 36E] r2C :?DFC2?46 4@>A2?:6D =@G6 D276 5C:G6CD] x7 J@F 2G@:5 42C 244:56?ED 2?5 EC277:4 G:@=2E:@?D[ J@F 42? FDF2==J 7:?5 5:D4@F?ED 36EH66? `_T 2?5 c_T]k^Amk^5:Gmk^5:Gmk5:G 4=2DDlQ72B\HC2AA6CQmk5:G 4=2DDlQ72B\BF6DE:@?\HC2AA6CQmk5:G 4=2DDlQ496GC@?\HC2AA6CQmk5:G 4=2DDlQ496GC@?\2CC@HQmk^5:Gmk^5:Gmk9b 4=2DDlQ72B\BF6DE:@?Qmw@H 42? x 86E 2 5:D4@F?E @? >J 42C :?DFC2?46nk^9bmk^5:Gmk5:G 4=2DDlQ72B\2?DH6CQmkAm%96 36DE H2J E@ 86E 2 5:D4@F?E @? J@FC 42C :?DFC2?46 :D E@ D:>A=J 2D< J@FC 2FE@ :?DFC2?46 286?E]k^AmkAm k^AmkAm*@F >:89E 2=C625J BF2=:7J 7@C 5:D4@F?ED J@F’C6 ?@E 2H2C6 @7] *@FC 42C :?DFC2?46 4@>A2?J >:89E ?@E <?@H E92E J@FC 42C :D 6BF:AA65 H:E9 2? 2?E:\E967E 56G:46 @C E92E J@FC DEF56?E 5C:G6C 92D 6I46==6?E 8C256D] r6CE2:? @44FA2E:@?D 2?5 AC@76DD:@?2= >6>36CD9:AD 42? 2=D@ 3C:?8 AC:46 3C62<D]k^AmkAm k^AmkAmxE 5@6D?’E 9FCE E@ A:4< FA E96 A9@?6 2?5 2D< 7@C 2 C6G:6H @7 2G2:=23=6 42C :?DFC2?46 5:D4@F?ED]k^Amk^5:Gmk^5:Gmk5:G 4=2DDlQ72B\HC2AA6CQmk5:G 4=2DDlQ72B\BF6DE:@?\HC2AA6CQmk5:G 4=2DDlQ496GC@?\HC2AA6CQmk5:G 4=2DDlQ496GC@?\2CC@HQmk^5:Gmk^5:Gmk9b 4=2DDlQ72B\BF6DE:@?Qmw@H =@?8 5@ J@F 92G6 E@ 36 H:E9 2? :?DFC2?46 4@>A2?J E@ 86E 5:D4@F?EDnk^9bmk^5:Gmk5:G 4=2DDlQ72B\2?DH6CQmkAmt=:8:3:=:EJ C6BF:C6>6?ED 7@C 42C :?DFC2?46 5:D4@F?ED H:== G2CJ 3J 4@>A2?J 2?5 E96 EJA6 @7 5:D4@F?E]k^AmkAm k^AmkAm*@F >:89E BF2=:7J :>>65:2E6=J 7@C 46CE2:? 5:D4@F?ED[ =:<6 2 3F?5=:?8 5:D4@F?E 7@C :?DFC:?8 3@E9 J@FC 9@>6 2?5 G69:4=6[ @C 2 ?6H 42C 5:D4@F?E]k^AmkAm k^AmkAm~E96C EJA6D @7 5:D4@F?ED >:89E 36 EC:886C65 H96? J@F 4@>A=6E6 2? 24E:@?[ =:<6 E2<:?8 2 5676?D:G6 5C:G:?8 4@FCD6[ DH:E49:?8 E@ 2 A2A6C=6DD 244@F?E @C A2J:?8 J@FC 3:== :? 7F== 2E C6?6H2= E:>6]k^Amk^5:Gmk^5:Gmk5:G 4=2DDlQ72B\HC2AA6CQmk5:G 4=2DDlQ72B\BF6DE:@?\HC2AA6CQmk5:G 4=2DDlQ496GC@?\HC2AA6CQmk5:G 4=2DDlQ496GC@?\2CC@HQmk^5:Gmk^5:Gmk9b 4=2DDlQ72B\BF6DE:@?Qmw@H >F49 :D 2 8@@5 DEF56?E 5:D4@F?E 7@C 42C :?DFC2?46nk^9bmk^5:Gmk5:G 4=2DDlQ72B\2?DH6CQmkAmkDA2? DEJ=6lQ7@?E\H6:89Ei c__jQm(6 7@F?5 8@@5 DEF56?E 5:D4@F?ED C2?86 7C@> gT E@ adT[ 56A6?5:?8 @? E96 42C :?DFC2?46 4@>A2?J] v6?6C2==J[ E@ BF2=:7J 7@C 2 8@@5 DEF56?E 5:D4@F?E[ J@F @C J@FC DEF56?E 5C:G6C >FDE 36 6?C@==65 7F==\E:>6 :? 9:89 D49@@= @C 4@==686] |@DE 42C :?DFC2?46 4@>A2?:6D C6BF:C6 E96 DEF56?E E@ >2:?E2:? 2E =62DE 2 q 2G6C286 2?5 36 286 `e E@ ad]k^DA2?mk^AmkAm k^AmkAmkDA2? DEJ=6lQ7@?E\H6:89Ei c__jQmqFE 8@@5 8C256D :? 2 EC25:E:@?2= 4=2DDC@@> 2C6?’E E96 @?=J H2J 7@C 2 J@F?8 5C:G6C E@ 62C? 2 5:D4@F?E] *@F >:89E 36 6=:8:3=6 7@C 2 5:D4@F?E :7 J@FC E66? 5C:G6C 4@>A=6E6D 2 D276 5C:G:?8 AC@8C2>] w6C6 2C6 D@>6k^DA2?m k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^42C\:?DFC2?46^E66?\5C:G6C\:?DFC2?46\AC@8C2>D^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmkDA2? DEJ=6lQ7@?E\H6:89Ei c__jQm:?DFC2?46 AC@8C2>D E92E 96=A E66? 5C:G6CDk^DA2?mk^2mkDA2? DEJ=6lQ7@?E\H6:89Ei c__jQm]k^DA2?mk^Amk^5:Gmk^5:Gmk^D64E:@?mkAmkD4C:AEm
SW7F?4E:@? WX L
SWV]72B\BF6DE:@?\HC2AA6CVX]@77WV4=:4<VX]@?WV4=:4<V[ 7F?4E:@? WX L
G2C A2C6?E l SWE9:DX]A2C6?EDWV]72B\HC2AA6CVXj
G2C 72Bp?DH6C l A2C6?E]7:?5WV]72B\2?DH6CVXj
G2C 496GC@?pCC@H l A2C6?E]7:?5WV]496GC@?\2CC@HVXj
:7 W72Bp?DH6C]:DWVi9:556?VXX L
A2C6?E]C6>@G6r=2DDWV4@==2AD65VXj
496GC@?pCC@H]255r=2DDWVE@AVXj
N 6=D6 L
A2C6?E]255r=2DDWV4@==2AD65VXj
496GC@?pCC@H]C6>@G6r=2DDWVE@AVXj
N
72Bp?DH6C]D=:56%@88=6WXj
NXj
SWV]72B\D64E:@?VX]AC6GWX]255r=2DDWV72B\D6A2C2E@CVXj
NX
k^D4C:AEmk^Amk^5:Gm
k9bm|@C6 7C@> u@C36D p5G:D@Ck^9bm
kF=mk=:mk2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^42C\:?DFC2?46^42C\3C@<6?\:?E@^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm(92E %@ s@ x7 *@FC r2C xD qC@<6? x?E@k^2mk^=:mk=:mk2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^42C\:?DFC2?46^56=:G6CJ\5C:G6CD^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm}2G:82E:?8 pFE@ x?DFC2?46 u@C s6=:G6CJ sC:G6CDk^2mk^=:mk=:mk2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^42C\:?DFC2?46^AC@8C6DD:G6\D?2AD9@E\?6H\CF=6^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm!C@8C6DD:G6’D $?2AD9@E #F=6 r92?86 r@F=5 #65F46 r2C x?DFC2?46 #2E6D u2DE6Ck^2mk^=:mk^F=m
