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Vithun Khamsong | Moment | Getty ImagesIt is becoming harder for Americans to raise funds in case of an emergency, according to a recent survey from the New York Federal Reserve.The bank's Survey of Consumer Expectations for February…

"We have had to turn away business this year. I wouldn't say that it is 30% of the overall business, but we certain probably had to turn away 10% of the business," said Schuman, chief executive officer of Hammond's, based in Denver,…