Are You Financially Prepared for the New Year?

kAmkDEC@?8mr2=4F=2E6 DA6?5:?8ik^DEC@?8m q67@C6 2?J @E96C >@?6J A=2??:?8 :? a_ae[ J@F ?665 E@ 42=4F=2E6 J@FC DA6?5:?8] s:5 J@F 6?5 a_ad H:E9 >@C6 >@?6J E92? J@F 925 2E E96 368:??:?8 @7 E96 J62Cn x7 D@[ J@FC k2 9C67lQ9EEADi^^HHH]=6ED>2<62A=2?]@C8^7:?2?4:2=\E@A:4D^2CE:4=6D^7:?2?4:2=\A=2??:?8^:D\H@C<:?8\H:E9\2\7:?2?4:2=\A=2??6C\@?6\@7\J@FC\?6H\J62CD\C6D@=FE:@?D\7:?5\@FE\9@H\2\47AQ C6=lQ?@7@==@HQm3F586Ek^2m :D =:<6=J :? 8@@5 D92A6 2?5 J@F 42? E9@F89E7F==J =6G6C286 6I46DD 7F?5D E@ A2J 5@H? 563E @C D2G6 7@C 2 DA64:7:4 8@2=] x7 J@F’C6 724:?8 2 ?6E 567:4:E[ :E’D E:>6 E@ k2 9C67lQ9EEADi^^HHH]=6ED>2<62A=2?]@C8^7:?2?4:2=\E@A:4D^2CE:4=6D^7:?2?4:2=\A=2??:?8^<:4<\DE2CE\J@FC\?6H\J62C\d\DE6AD\E@\7:?2?4:2=\DF446DDQ C6=lQ?@7@==@HQm4FE DA6?5:?8k^2m H96C6 J@F 42? @C :56?E:7J H2JD E@ :?4C62D6 J@FC :?4@>6]k^Am

kAmkDEC@?8mqF:=5 D2G:?8Dik^DEC@?8m |2<6 a_ae E96 J62C J@F 2FE@>2E6 D2G:?8D[ :?4C62D6 J@FC 4@?EC:3FE:@?D E@ J@FC C6E:C6>6?E 244@F?ED 2?5 25@AE 2 “A2J J@FCD6=7 7:CDE” 2AAC@249 E@ k2 9C67lQ9EEADi^^HHH]=6ED>2<62A=2?]@C8^7:?2?4:2=\E@A:4D^2CE:4=6D^7:?2?4:2=\A=2??:?8^b\:>A@CE2?E\A6CD@?2=\7:?2?46\8@2=D\E@\255\E@\J@FC\?6H\J62CD\C6D@=FE:@?DQ C6=lQ?@7@==@HQm3F:=5:?8 J@FC ?6DE 688k^2m] %96 D@@?6C J@F E2<6 E96D6 DE6AD[ E96 =@?86C J@F’== 92G6 E@ H2E49 J@FC D2G:?8D 8C@H] *@FC 7:?2?4:2= 25G:D@C 42? 96=A J@F 56E6C>:?6 9@H >F49 J@F’== ?665 7@C E96 7FEFC6 J@F H2?E — H96E96C E92E :?G@=G6D 364@>:?8 2 9@>6@H?6C[ A2J:?8 7@C J@FC 49:=5C6?’D 4@==686 65F42E:@? @C E2<:?8 2? 62C=J C6E:C6>6?E] %96J 42? 2=D@ AC@G:56 DEC2E68:6D 7@C C6249:?8 E96D6 8@2=D]k^Am

kAmkDEC@?8mp5@AE E2I A=2??:?8 DEC2E68:6Dik^DEC@?8m {62C? 9@H ?6H E2I CF=6D FD96C65 :? 3J E96 “~?6 q:8 q62FE:7F= q:== p4E” 4@F=5 :>A24E J@FC E2I6D] p ru!kDFAm®k^DFAm AC@76DD:@?2= 2?5 J@FC E2I 25G:D@C 42? 96=A J@F F?56CDE2?5 E96 492?86D 2?5 k2 9C67lQ9EEADi^^HHH]=6ED>2<62A=2?]@C8^7:?2?4:2=\E@A:4D^2CE:4=6D^E2I\A=2??:?8^3:8\362FE:7F=\3:==\@3332\J62C\6?5\E2I\A=2??:?8Q C6=lQ?@7@==@HQmDEC2E68:K6 244@C5:?8=Jk^2m D@ J@F 42? >2I:>:K6 36?67:ED 2?5 >:?:>:K6 >:DDE6AD]k^Am

kAmkDEC@?8m#6G:6H J@FC :?DFC2?46 4@G6C286ik^DEC@?8m ~?6 F?6IA64E65 6G6?E 42? 92G6 56G2DE2E:?8 7:?2?4:2= 4@?D6BF6?46D H:E9@FE k2 9C67lQ9EEADi^^HHH]=6ED>2<62A=2?]@C8^7:?2?4:2=\E@A:4D^E@A:4D\2\K^:?DFC2?46\A=2??:?8Q C6=lQ?@7@==@HQmE96 C:89E :?DFC2?46k^2m] #6G:6H J@FC A@=:4:6D E@ 56E6C>:?6 H96E96C E96J >66E J@FC 4FCC6?E ?665D 2?5 255 4@G6C286 H96C6 ?646DD2CJ] %9:D :D 2=D@ 2 8@@5 @AA@CEF?:EJ E@ 4@>A2C:D@? D9@A 2>@?8 AC@G:56CD E@ 6?DFC6 J@F’C6 ?@E DA6?5:?8 >@C6 E92? J@F ?665 E@]k^Am

kAmkDEC@?8m$66< 6IA6CE 8F:52?46ik^DEC@?8m '2C:65 724E@CD DF49 2D :?DFC2?46[ :?G6DE>6?ED[ E2I6D 2?5 4C65:E H@C< E@86E96C E@ 7@C> J@FC 4@>A=6E6 7:?2?4:2= A:4EFC6] k2 9C67lQ9EEADi^^HHH]=6ED>2<62A=2?]@C8^86EE:?8\AC6A2C65^E96\G2=F6\@7\7:?2?4:2=\A=2??:?8Q C6=lQ?@7@==@HQm|2<6 H@C<:?8 H:E9 2 ru!kDFAm®k^DFAm AC@76DD:@?2=k^2m 2 }6H *62C’D C6D@=FE:@?] %96J 2C6 DA64:2==J EC2:?65 E@ 9@=:DE:42==J 6G2=F2E6 2== E96D6 4@>A@?6?ED H96? @776C:?8 7:?2?4:2= 25G:46] ':D:E k2 9C67lQ9EEADi^^HHH]=6ED>2<62A=2?]@C8^nFE>0D@FC46l>2EE6\C6=62D6U2>AjFE>0>65:F>lDE2E6A@:?EQ C6=lQ?@7@==@HQm{6ED|2<6p!=2?]@C8k^2m E@ 7:?5 2 ru!kDFAm®k^DFAm AC@76DD:@?2= ?62C J@F]k^Am

kAm%9:D J62C[ 5@?’E 36 27C2:5 E@ E2<6 2 566A 5:G6 :?E@ J@FC 7:?2?46D E@ 56E6C>:?6 H96E96C J@FC 4FCC6?E 7:?2?4:2= A=2? :D H@C<:?8] p 76H D>2== EH62<D >2J 36 2== J@F ?665 E@ 4@FCD6 4@CC64E 7@C 2 3C:89E6C 7:?2?4:2= 7FEFC6]k^Am

kAm!9@E@ rC65:Ei W4X y24@3 (24<6C92FD6? ^ :$E@4< G:2 v6EEJ x>286D !=FDk^Am

kAmk:>8 DC4lQ9EEADi^^7665D]DE2E6A@:?E]?6E^E@H??6HD^A=246>6?E]2D9InEl4U2>Aj:5l``_gbU2>Aj=l6?\&$U2>AjCl`fechhgahh`de]aaQ ^mk^Am