> What or when do you consider hording as opposed to prepairing?

"Hoarding" to me implies an element of dog-in-the-manger. Not being able to use it yourself but still depriving others. It doesn't apply when the goods are plentiful because you not depriving others - then it is more like stock-piling. If you have a stock pile, the emergency happens, and you don't use it, I have to wonder what it was for.


> What would one consider minumin abount of cash to keep on person

Probably £50. In an urban setting, that is about enough to pay for a room for the night, and/or some cheap food and/or a taxi home and many other kinds of emergancy. I try to carry more than that.