For the emergency funds you can go for the Fast loan because they provide you the fastest money directly in your account, you must have permanent job for this.

that type of activity is pretty common in the world of the internet.
They're trying to get some advertising link juice for their own sites.

Companies (big companies) hire people to find discussion forums and blogs to post and then place links.

It's pretty common in the world of internet marketing.
It's also pretty hard to stop. All a site owner can do is be diligent with deleting it.

You're not getting it are you, they're vandals

Ray

in the new revised version of this site, i'm going to see I can make it easy for me to edit out this spam as easily as possible.

Currently it's a bit of a chore, and time consuming.

I'm also excited that I'm hiring a contractor to do the site revisions.!!

Great to have you here too [asshole]!

great to have you here

what's quick personal loans all about? especially from china?

Save as much as you can. The economy doesn't look good and many people will need emergency savings sooner than later.

Hey VitzBitz,
That's wonderful... I like your comment that it becomes addictive once you get started and successful with saving.

Have you run into any emergencies that you've had to use your cash.?

I found that as soon as we had some emergency cash saved up, our emergencies started to get less and less. Prior to that we would have an emergency a minute, we NEEDED clothes, or we NEEDED to go to the show etc.

Once we built up an emergency fund our emergencies magically dropped off a bunch because of the discipline and repriotization we had done.

Again... I'm glad you've give us your example... I wish all people would save up an emergency fund in Canada.

How much? As much as you can afford I suspect.

When we had no savings I wanted just one mortgage payment sitting in the savings account in case there was an error with my paycheque. Then I wanted two mortgage payments (accelerated bi-weekly here, so it's not as much money as it sounds), then one months worth of expenses.

We're now working on two months worth of expenses, and it'll undoubtedly keep going from there (at least I hope it will).

The emergency fund is separate from general savings and retirement savings (although admittedly until we get a little more in the emergency fund it is certainly a higher priority than the other two accounts).

(It's kinda addictive once you get into the misers habit, we've also started a trust fund for my 3 year old, in addition to her RESP, compound interest is a nice thing after all).

How much should you save up for with an emergency fund?
Is an emergency fund used to buy things like gas for your car if you run out of money?

Should you be using your emergency fund to save up for a down payment for a car, or a new furnace.?

Is an emergency fund used to help pay off credit cards? If you have credit card debt and an emergency fund at the same time, should you use the fund to pay off the debts?