[Fern]

Well, i guess i just lost all my credibility cus i just noticed in another response to your post, Haku, about money market funds, that i said i keep my emergency $$ in an online bank and a checking acct.

To clarify: I do have about $5K in the online bank acct at present (i had to dip into it to pay the IRS $3K earlier this year); but i have other 'cash' that could be treated as emergency $ (cus it has no other special designation) in domestic stock funds. The checking acct is really not what i consider emergency $$, just $$ to pay day to day bills.