http://sgfinancialfreedom.blogspot.com/2009/10/2-easy-steps-to-build-emergency-fund.html
You actually may need four bank accounts.
1 - For living expenses and GIRO
2 - For Emergency Fund (3 months in conjunction with FD period 6/12 months)
3 - For Investment and Trading
4 - Fixed Deposit (Mid Term Saving)
With the 4 bank accounts, you are absolutely clear on the money movement and transactions and also easier to maintain records tracking by downloading monthly statement from the banks.
The Stock Market Partied Too Soon. The S&P 500 Is Exhausted., Go to article
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