They can perform essential tasks, lend you money, encourage you, work for you, help you deal with an emergency, serve as a sounding board for your ideas, even fill in for you for a couple of hours.

他们可以执行实质的任务，贷给你资金，鼓励你，为你工作，帮你处理应急事件，为你的想法做宣传，甚至有时可以做你几小时的替身。

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To ensure that the facility is used only in an emergency, the charge the Fed makes for such lending is usually one percentage point above the money-market rate it targets in its daily operations.

为了确保这一措施只在紧急时候使用，美联储的此类贷款的收费通常比货币市场利率高一个百分点，对象则是日常业务。

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There's nothing particularly exciting about an emergency fund, the six to 12 months worth of living expenses every investor should have stashed away in a money-market or savings account.

应急基金没有什么特别让人兴奋的，每个投资者都应该在货币市场或储蓄帐户中预备出来这样一笔6至12个月的生活费。

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That could be a problem if you need the money in an emergency, decide to invest it in something else, or want to retire early.

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These kinds of goals assuming a time frame of five years or less are suitably held in cash or equivalents in an account separate from emergency money.

WSJ: The Experts: Should You Keep Cash in Your Portfolio?

In any case, the riskier your income situation, the more important it is to have money set aside to cover your necessary expenses in case of an emergency.

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