EMF reserve; and3. My cryptic abbreviations stand for your Emergency Buffer Fund (EBF) reserve; Emergency Medical Fund (EMF) reserve; and Emergency Wallet (EW) reserve for men and Emergency Purse (EP) reserve for ladies. Normal people are NOT able to cause such cash reserve buffers to magically materialise! Your Emergency Wallet or Purse (EW or EP) reserve should be cash folded into secret compartments of your wallet or purse. Your EMF, however, is your own money you have earmarked for any medical emergency not readily covered by your various medical policies.

Source: New Strait Times December 17, 2017 06:11 UTC