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CHEYENNE - It's a question that many people worry about: Do I have enough money saved up for a rainy day?Governments have the same concerns. But instead of savings accounts, they squirrel money away in reserve funds.The city of Cheyenne currently has about 6.2 million in general fund reserves.That sounds like a lot of money. But is it enough to keep the city operating in the event of a major catastrophe or natural disaster? If the large funnel cloud spotted west of the city a week and a half ago had touched down and ripped through town, would the city be in a position to pick up the pieces?Some city officials say the answer to that question is no."Through several (mayoral) administrations, I've been concerned about the level of our reserves," Cheyenne City Councilman Jim Brown said."What if we do have a natural disaster? We need to have enough in reserves to kick in and keep things running before federal or state aid arrives. And that aid could take weeks to get here."Brown added, "Six million (dollars) could be enough, but there is a good chance it isn't. We could spend a couple million dollars real quick."City Treasurer Lois Huff said in the case of disasters, "reserves are there to help pay the bills until the insurance check comes in."Reserves can also be used to fund large, unexpected projects; however, this kind of use is relatively rare.In 2004, the city used about 2.76 million in reserve funds to buy a portion of the Belvoir Ranch. Later that year, about 1.5 million was used for a construction project at the Cheyenne Depot.Councilman Sean Allen said, "Reserves can be used for a lot of things: large capital projects, building repairs, even quick purchases. They can provide some financial flexibility." City's goal: Add 5 percent per year Reserve funds are built up when the cost of doing city business is less than the amount of revenue the city brings in.Huff said that revenue can come from a number of sources, including sales taxes, property taxes and building permit fees.The 6.2 million in the city's general fund reserves is just an estimate, Huff said, as the actual fund balance fluctuates on a regular basis.As of May, when the city's most recent financial analysis was finalized, the city had raised about 1.9 million more than anticipated for the fiscal year. Some of that money will likely be used to bolster the reserve fund, Huff said."We focus on reserves a lot in our office," she said.Mayor Rick Kaysen has echoed this sentiment on numerous occasions."One of my objectives as far as managing the budget is to always try to grow our reserves by 5 percent," Kaysen said. "We try that each and every year. That would be a modest 300,000 added to the reserves."But we are dealing with limited resources on the financial side."Kaysen said one of the most effective ways to build the reserve fund is to "control the budget a lot on the expenditure side."The city's 2015 fiscal year budget aims to cut expenditures by about 8 million from the 2014 budget.While administration officials say the city is moving in the right direction, the reserve fund is still in a bit of a precarious position, according to some council members.In 2005, the City Council passed a resolution requiring the city to strive to maintain a minimum of 6 million in its reserve fund.However, that amount would only keep the city government humming along for about 45 days.Huff said the Government Finance Officers Association, which is made up of 18,000 government finance employees across the United States and Canada, recommends that cities maintain at least a 60-day reserve.In 2012, Brown said he worked with Kaysen and city staff to draft a resolution that would require the city to maintain a 60-day reserve, which would bump the total amount of the fund to about 8.4 million."I thought that was going to go somewhere, but then new council members were elected and it was kind of set aside," Brown said.Allen, along with Councilman Dicky Shanor, appears poised to pick up where Brown left off several years ago."I have had issues with the level of reserves since I took office," Allen said."We don't have enough reserves. Six million dollars doesn't go as far as it did 10 years ago. It's time we got ourselves in a bit of a better financial position."Allen said he and Shanor have been working with Huff to draft a new resolution to bring before the City Council that would require the city to maintain a 60-day reserve fund."If the fund were to dip below that 60-day mark for a certain period of time, the resolution would say that the mayor has to have a plan to show how he plans to get us back to 60 days."Shanor said he will introduce the resolution to the council sometime in the next month. Other entities have larger reserves Morris Howard, who has lived in the city for more than six decades, said he has seen mayors and City Councils struggle with reserves for years."I think generally the government does a good job saving its money for emergencies. But would I support higher reserve minimums? I sure would," he said.Despite being the largest city in Wyoming, Cheyenne doesn't have the largest reserve fund in the state. It doesn't even have the largest reserve fund in the county.Laramie County government, which operates with a smaller general fund budget than the city, has 7.3 million in its general fund reserves.It should be noted that this amount is far higher than it is has been in recent years due to a cash influx from impact assistance funds and the sale of the county-owned Fox Farm property.Those two items added almost 2.5 million to the county's reserves in the last fiscal year.County Clerk Debbye Lathrop said the county ordinarily carries between 4.2 million and 4.3 million in its general fund reserves.The city of Laramie, according to its most recent financial outlook report, has just over 9 million in reserves. That amount could keep the city running for about four-and-a-half months.Casper, the Wyoming city closest in population to Cheyenne, "has a lot more reserves than we do," Huff said.Due to the nature of Casper's local economy, which is boosted by thriving oil and gas production, that city has double the per capita sales tax revenue of Cheyenne, Huff said. This helps Casper maintain a high level of reserve cash.A city audit for Cheyenne completed in 2013 includes a figure called the unrestricted net position as a percentage of revenue. "This ratio measures the ability of the municipality to operate if its normal revenue stream is temporarily interrupted or significantly impaired," according the audit report.The audit shows that this ratio, which sat at 1.8 percent in 2013, has steadily decreased since 2010. Compared to the industry average of 51.6 percent cited in the audit, that 1.8 percent figure appears downright worrisome to some members of the council.Huff said that industry average should be taken with a grain of salt, however, as it was calculated by the auditing firm using only cities in Colorado. Colorado cities have very different kinds of revenue streams, including the recent influx of recreational marijuana sales taxes, than their counterparts in Wyoming.Over the past 10 years, the city's general fund reserves have fluctuated significantly, from a low in 2007 of 5,755,045 to a high in 2012 of 7,698,427. The reserve fund has remained relatively flat over the past year. The fund balance at the end of fiscal year 2013 was 6,125,860."We need to stop putting it off and start building these funds up," Shanor said. cheap ray bans Nearly 34,000 Jews were machine-gunned there by the Nazis in 48 hours on September 29 and 30, 1941. 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