ࡱ> @ bjbjFF p ,,M         H H H 8   ? : b | $RG\ J^ ^ JJ   hJ   Jh  F veH `"&0?6: F       F\ "hTl        EMERGENCY FUNDS An emergency fund is needed to meet unexpected expenses that are not planned for in the family budget, such as short-term illness causing a loss of income, unexpected medical expenses, property losses that purposely are not covered by insurance (deductibles and co-insurance) and to provide a financial cushion against such personal problems as prolonged unemployment or some other financial crisis. Need for an emergency fund has received greater attention in recent years. Many capable people have lost their jobs because of mergers and acquisitions, economic dislocations or plant closings. A reasonable emergency fund can help to prevent a temporary unemployment from becoming a financial crisis. The fund will give the family time to adjust without having to drastically change its living standards or disturb other investments. The size of the needed emergency fund varies greatly. It depends upon such factors as family income, number of income earners, stability of employment, assets and debts. The size of insurance deductibles, health and property insurance exposures and the familys general attitudes toward risk and security are also important. The size of the emergency fund can be expressed as so many months of family income. As a guideline, it is advisable to reserve a minimum of two and a maximum of six months of income. The larger the percentage of your monthly expenses that are fixed and must be paid, the larger should be the emergency fund. By its very nature, the emergency fund should be invested conservatively. There should be almost complete security of principal, marketability and liquidity. Within these investment constraints, the fund should be invested so as to secure a reasonable yield, given the primary investment objective of safety of principal. Logical investment outlets for the emergency fund would include: Bank savings accounts (regular accounts) Credit Union accounts Money market accounts Mutual Funds Life insurance cash values Access to emergency funds is important. If check-writing services are available, even at a fee, it might be wise to arrange for them. The careful person may also want to have some ready cash available for emergencies, even if it is non-interest earning. Such an individual might consider setting aside $200 in cash at home to be used ONLY in case of dire emergency.  Paul E. Ferraresi  Founders Group Report  CREATEDATE \@ "MMMM d, yyyy" \* MERGEFORMAT July 7, 2004 PAGE 1 For advice on this topic or other areas of your financial life, contact me at:  HYPERLINK "mailto:pferraresi@foundersgroupinc.net" pferraresi@foundersgroupinc.net * (713) 871-5919 Founders Group, Inc * 4635 Southwest Freeway, Suite 162 Houston, TX 77027 * Fax (713) 425-0346 LMNO`abdfg}ĵĮęs__J_@jhM0JU)h6B*CJOJQJmHnHphu'jhM6B*CJOJQJUph+h>+hM56B*CJ4OJQJaJ4phhM6B*CJOJQJph(h>+hM6B*CJOJQJaJph h}hMh}hMCJOJQJaJhMjhMUhMhMCJ^JaJhMhMaJ hMhMhMhMCJaJhZI^CJaJ W X ]^MObc !$$& #$/Ifb$gd4} & FgdMgdMgdZI^xgdZI^Mcdef}~vvvtkit&`#$ !$&dPgdN ! $&dPgd4} ! $&dPgd5Kkd$$IflTT t 6 644 lae4 OPQpqǷͬןןǔᐃhMhMCJ^JaJhZI^h}hMOJQJh}hMCJ^JaJh0uhM0JCJjAh0uhMCJU hMCJjhMCJUhMCJ^JaJhMhM0JmHnHujhM0JU hM0J$$dNa$gds+n$a$gdQn&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:pm`/ =!"#`$%Dd4   c hA. 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