Will, with my ETF's I go for a "Hub and Spoke" strategy.I use 25% Large Cap Value, 25% Large Cap, 10% REIT's, 10% Small Cap, 10% Small Cap Value, 10% Emerging Markets, 10% Broad International.

Are you investing in emerging markets?

The way it works Sharad as the case worker explained to me is this:From the time of application SSI is running behind about 2 years.She applied a year ago but since she is facing eviction they do an emergency advancement and flag the file.This is where it is at now.Then when they pull the file it is sent to the judge for a review.The judge looks at hundreds of pages for the one file.The decision takes 2 to 4 weeks.Then after that if approved a second division of SSI handles payment.The case worker said in Georgia alone SSI has over 100,000 cases to process!

I would say that Atlanta, Houston, and Dallas are all good emerging markets to invest.

Just because the HOA has low Association Dues does not mean that it is collecting enough money to cover it's operating cost and saving in the case of an unexpected maintenance emergency.

Before TARP was the Emergency Economic Stabilization Act of 2008 (October 3), the Temporary Liquidity Guarantee Program (TLGP), Debt Guarantee Program (DGP) and the Transaction Account Guarantee Program (TAGP).

Owning some real estate free and clear, even your residence is another topic we touched on in case you needed to free up some cash for an emergency.

No matter how great the property manager is, if there is only one, a car accident, health problems, family emergencies, etc., doesn't just hurt them, but all their clients as well.

I have no free money for a down payment, but I have a steady income and other investments that I can cash in if an emergency landed.

This will drain my emergency fund.