The Money Manager column last month explored how to best manage and improve cash flow.One thing that can take some of the pressure off cash flow is having adequate reserves to call on for unexpected expenses or to tide you over if revenues take a dip.In fact, the principle of having a reserve fund applies just as much to your personal finances as to your business. So you might want to read this with an eye on both sides of your fiscal life.A word, by the way, about what we really mean by cash reserves: Sometimes people confuse the concept














