I have a younger sister who took up a nusring course a few years ago.  She just took the nursing board exam last November 2008 and is still waiting for the result.  After graduating, she worked as a call center agent and as an insurance agent.  Now, there is a chance she can fly to London even not as a registered nurse.  She needs to raise P 150,000.00 to P200,000.00 for the processing of her credentials, medical exams, plane tickets and allowance.  She will get a student visa and will have a monthly allowance for her on the job training if she gets lucky.  The problem is, we don't have that much money right now and she needs it before January 15.  We don't have wealthy relatives that can lend us the money.  We also don't have anything to sell to be able to raise that amount.  This is when having an emergency fund becomes necessary.  I am just starting to build mine and I still have a very long way to go. 

I know we will find a way to support my sister.  If only I already have that money, I will not hesitate to lend it to her. 

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