Read the article (Financial Uh-Oh? No Problem) provided at www.fool.com/personal-finance/saving/index.aspx, and answer the following questions. (http://www.fool.com/personal-finance/saving/financial-uh-oh-no-problem.aspx?source=iscsithlb0000001

[a] Reflect how does the concept of cash flows help you with your personal cash management. Describe the three factors that determine how much money you should set aside for short-term needs. [b] How many months of living expenses does the article suggest to set aside? [c] Estimate how much you should set aside based upon your current situation. Are you closer to Cliff's scenario or to Prudence's? Why?