The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

Withstand financial storms with emergency savings Act.ording ici the wcalth management expertns ai Desiardins Group, being financial prepared for an emergency is csscntial As ve'sc sen with ie arcent financial volatiiy; tarri ng tti, riih dicli anid lti lut: at can licdangiron-. Ihi. n. cspi' îallN trucil siu needed itmîdiat: La-sh titre tii an iliness, acti- dent mr à johl bits Bilding liinaa staiihty takcs disiipni. at(d liard wvork but pas'. oil 'lien titre ktiXCtip:iid occurs SiMple soeuunos sulm a n elhmeauy JuNd watMU haw been haniy: - Yo1 hait nioncy -et aidi: ii repLuîe tour aging i.ar but yiiur roii hà'. 'tanicti ti leak r licthojt i, ccrdit tio rrpli:. thi: nuol anîd buili lhîits ;ila %tilt ti ut ri, Ftii:î tu tilt 11Ccstlltît\ '. bc h ale lo IAfhirti luth titi mii and tlie L ar u ithoî.îl "Ititr rItiuo ti -uil it îiîtthit \ li loi o t inA laaid of- rttînd a hîle %o iii uk tir i ncs irh, or taIt: titiluti tiiniO : (am'i 1 ais may credi c*v<L Une of crMti or RRP ill n neegncy? Lii:'. oi t.ledit and s ledit t aits ai t: lot lenti porars t:sliensi', khi îtu'Il hi able tii pay Ili aubhin a mînîh tir ai Tbi'<t not ideal lor suîc,îatucd pents lit: betng uout ofi work foir six nitintlts Suint: redit cards charge 19. 51 inierest (in cash ads.aîîs, nianînigtlai yîu'l have: to repay thi: arnotinq ou borrowed plus ari .dditional 20% RRSPs shouild not lic iouched until vou rr, urLcss you plan on using soine o:f ihese savingit for a hotiac dowîî payrneni Any withudrawals vouit malte wiul lic considered income on yîuur flixt iax reitim. which may resi i n a ycar-cnd tas bill HOe é XIgstar"i? Finir: ual expcns 5suggest ihai a souid 'mer- gcnu.y lunA ta thi: i:qiimiuàlttt iii tlirccr ii0îîlu'.ý %%onih (if living expcnses F(irexample. stan hy saving dii: cquivalcnt cif ane ninthtt worth of gmoccrics andi ilen work on the other mnonîhly cxp<n-P (-tiegonri- cmi: mrnnh ai a lime Wth mach paycbcque. try ic put aside the cu<uiva- lent if 1 t' 10 fier tnii (if star iini [5oti litaget iiipu il imur a sî'parati tount, hke- Wy- S hiLLrc ni trnipt:d tir clip itîtiil nou'rc siat îîg ias-îg htabit tian thi: tutul amotnu thai you'r savrt rcmcmbcr don*t goît mb cita simple can't lici ai gency a t il~t iii oi ilg vcdlîtith. Andt 1'îU emcrgc'ncy hiuc ihîttout ii cu11tr- aboutî ýcttini, u, tin col=ut~ a Mo. ùm wialk dSn ùw wüftr à a n%4, Inu U b& ilyx " MSM by fO11Cý dm fRw UPS