But for those without any financial reserves, the anguish is often overshadowed by their money fears.
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Education, training and building financial reserves for maintenance and replacement were all compulsory parts of the deal.
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In addition, more than 90 had had to draw on financial reserves to make up the shortfall in Whitehall funding.
Payment by results will make it impossible for small charities to bid for funding because we do not have the financial reserves.
With its financial reserves intact, Bonbright continued to thrive in the early 1930s, while Loomis and Thorne rode out the Depression in high style.
If the lockout becomes a war of attrition based purely on financial reserves, players would obviously lose since only they need this money to survive.
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The man in charge of Guernsey's St John Ambulance and Rescue has said its financial reserves have been exhausted due to an insufficient States grant.
Financial reserves were vital to handle such an unforeseen event.
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The budget pushed the administration's financial reserves to the limit, he said, adding that the opposition will have to explain where the axe should fall if they want to spend money elsewhere.
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He won -- and soon became embroiled in a six-year long festering dispute with his former colleagues in government over how much information he should have in order to fulfil his role in safeguarding Singapore's prodigious financial reserves.
Bahrain, which has neither the financial nor hydrocarbon reserves of Kuwait, Saudi Arabia and the United Arab Emirates, has been training its citizens as motor mechanics and supermarket cashiers.
Banks are also attractive to investors because they have the capacity to increase their dividends from the current low levels, having bolstered their cash reserves after the financial crisis, Michael Sheldon, chief market strategist at RDM Financial, said.
The Fed felt so sure of the sustainability of the recovery that it decided to halt its year long program of buying mortgage-backed securities, and signaled that it would probably begin draining excess reserves from the financial system sometime very soon.
Bernanke enumerated a series of measures including putting upward pressure on short-term interest rates through interest payments on reserves held by financial institutions, ceasing reinvestment of principal payments on securities held by the Fed, and even selling those securities in the open market. (Read Bernanke Put Allows JP Morgan To Post Profits On 96.9% Of 2010 Trading Days).
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That sounds impressive, but their influence over global financial markets is more modest, because official reserves account for only around 5% of the world's total stash of financial assets.
There are several reasons behind the massive buildup in liquid reserves observed since the financial crisis.
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After an emergency meeting with his top advisers, President Yeltsin claimed the country had enough reserves to avoid a financial crash.
In a more recent study they found that countries with insufficient reserves to insure their financial systems suffered bigger currency crashes during last year's turmoil.
In recent years, the Welsh government has made tens of millions of pounds available to health boards from its reserves late in the financial year to avoid them breaching their annual budgets - which they are legally prohibited from doing.
Though India's banks face bad debts, its cloistered financial system, high foreign-exchange reserves and capable central bank mean it is not about to keel over.
There are also worries about troubled European Union countries selling their gold reserves to help finance their financial bailouts from the European Central Bank and the International Monetary Fund.
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On an even grander scale is China's amassing of a trillion dollars in foreign-currency reserves, enough to roil financial oceans if it were ever suddenly to do other than to sit in U.S. Treasury bills.
Do their institutions regard full economic and financial data disclosure (regarding, for example, Moscow's remaining strategic gold reserves) as essential to any informed assessments of the advisability of Western economic and financial assistance to the USSR -- and will they demand that such data be provided by the Soviet Union by year-end?
Hong Kong, with its hefty reserves, surplus budget and strong financial system, beat them off.
Proof of the pudding: The Bank of England and the European Central Bank are having to pour reserves into troubled spots in the financial system.
"Financial institutions already have huge amounts of excess reserves which they have no way to utilise, " said Izuru Kato, chief market economist at Totan Research in Tokyo.
The war chests of reserves could be used to boost domestic financial development.
In the process, it would provide the financial markets with needed Treasuries, while returning excess reserves to the nothingness from which they came.
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Banks had to be bailed out by taxpayers during the financial crisis because they didn't have the reserves to cover loans and mortgages that weren't repaid, meaning that they were, or were close to, being insolvent.
The fact that Asian currencies make up only 3% of total foreign-exchange reserves indicates how far Asia still lags in financial matters.
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