WAYENGUBANI uThomas Emlyn, ibe yintoni eyamenza wayimela inyaniso? Yintoni esinokuyifunda kuye enokusinceda namhlanje? It is important to have an emergency fund Life is full of surprises, unfortunately not all good. While one cannot predict everything that may happen, unexpected problems are easier to deal with when you are financially prepared. Marlies Kappers, head of marketing at DirectAxis Financial Services, says the first thing to consider is what you can realistically and affordably insure against. These will be events that are difficult or impossible to recover from, financially, if you’re not insured. They could include your home burning down, your car being stolen or written off in a crash or a long hospital stay because of illness or an accident. You can, and many people do, insure against all or most of these things either because they’re required to when they take Sa’ad da na san cewa su Shaidu ne , sai na ce , “ Bari na shigo , domin mu je wani gefe mu yi magana . ”