Fred  Harteis Editors Note: This is a great article because most of us don’t keep any emergency money around. This article gives some great tips on why and how to have an emergency stash.

A lot of people simply spend everything in their checking accounts every month and stop only when the money is gone. This leaves no cushion for the unforeseen, which can torpedo your ability to keep your head above water. To avoid this, create a fund ...   more »