TORONTO – An emergency fund is meant to be there in times of need, but a new survey suggests nearly half of Canadian homeowners would be ill prepared for a personal financial dilemma such as job loss. The poll released today by Manulife Bank finds that 24 per cent of those surveyed don't know how much is in their emergency fund, 14 per cent have not put away any funds and nine per cent have access to $1,000 or less. The remainder of those surveyed …