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Skeet,
The thing is she had something put aside for those bad things. Imagine if she didn't have anything put aside and the water heater and the water bed broke. To repair either, which I would assume most people would have to do, she would have had to use credit and she would have had to pay interest on it. Me, I like to have about $20,000 in liquid cash (i.e., savings account) for those rainy days. Everybody should shoot for 6 months worth of their bills in savings. My wife and I are a little short of that, but we will be there in a month or two.
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The pond, waterfowl, and yellow labs...it don't get any better.
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