http://resources.lawinfo.com/rss/en/articles/business-finance/index.html Business Financials Articles - LawInfo provides Free Business Financials Articles to help you understand your legal issue http://resources.lawinfo.com/en/articles/business-finance/federal/what-happens-if-my-bank-fails-.html <div> In today&rsquo;s economy, you might wonder what will happen to your money if your bank fails, or if a federal or state banking regulatory agency closes down your bank.&nbsp;Although bank failures are unlikely, they can occur when a bank does not have enough money to meet its obligations to all of its customers.&nbsp;Therefore, placing your money in a bank insured by the Federal Deposit Insurance Corporation (&ldquo;FDIC&rdquo;) is your best defense against failing banks.&nbsp;</div> <di Business Financials Articles Wed, 08 May 2013 19:23:36 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/what-happens-if-my-bank-fails-.html http://resources.lawinfo.com/en/articles/business-finance/federal/what-you-need-to-know-about-401k-withdrawals.html <div style="MARGIN: 0in 0in 10pt"><span style="FONT-FAMILY: 'Verdana','sans-serif'">401k plans are common retirement investment tools for United States workers. The plans, named for the section of the IRS code that defines them, allow workers to save for retirement and to defer income taxes until the time the money is withdrawn.&nbsp;However, with these tax benefits come restrictions on when money can be withdrawn from the plan without financial penalties.</span></div> <div style="MARGIN: 0in 0 Business Financials Articles Tue, 21 Apr 2009 11:43:35 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/what-you-need-to-know-about-401k-withdrawals.html http://resources.lawinfo.com/en/articles/business-finance/federal/should-you-borrow-money-from-your-401k.html <div style="MARGIN: 0in 0in 10pt"><span style="FONT-FAMILY: 'Verdana','sans-serif'">It can be frustrating and often frightening when due to unemployment, a recession, or other factors, a person&rsquo;s available cash is not enough to meet his or her obligations.&nbsp;Sometimes when this happens, a person does have money in his or her 401k plan that could help the person pay his or her bills.&nbsp;However, it is important to understand the potential penalties for borrowing or withdrawing funds fr Business Financials Articles Tue, 21 Apr 2009 11:44:32 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/should-you-borrow-money-from-your-401k.html http://resources.lawinfo.com/en/articles/business-finance/federal/the-federal-reserve-board-s-new-credit-card-p.html <div style="MARGIN: 0in 0in 0pt">Are the days of unfair credit card practices over?&nbsp;While the credit card companies may mourn their passing, American consumers are seeking fair credit card practices that they can understand. In an effort to protect American consumers, the Federal Reserve Board enacted new rules in December 2008 that are set to go into effect on July 1, 2010.&nbsp;&nbsp; The new rules are part of a coordinated effort with the Office of Thrift Supervision and the National Cre Business Financials Articles Wed, 06 May 2009 17:29:57 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/the-federal-reserve-board-s-new-credit-card-p.html http://resources.lawinfo.com/en/articles/business-finance/federal/how-to-prevent-automatic-withdrawal-scams.html <div style="margin: 0in 0in 10pt;"><span style="font-family: 'Verdana','sans-serif';">Every year many Americans become victims of automatic withdrawal scams.&nbsp;They may be offered a free item only to find that it was not in fact free, they may be charged recurring withdrawals which they did not expect or they may be otherwise taken advantage of and charged unexpected fees.&nbsp;While the situation is serious and troublesome, there are some steps that the government, the banks and the individu Business Financials Articles Wed, 06 May 2009 17:33:52 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/how-to-prevent-automatic-withdrawal-scams.html http://resources.lawinfo.com/en/articles/business-finance/federal/the-pros-and-cons-of-electronic-check-convers.html <div style="MARGIN: 0in 0in 10pt"><span style="FONT-FAMILY: 'Verdana','sans-serif'">Today, many businesses are processing check payments as electronic check conversions.&nbsp;Typically, this allows businesses faster access to the funds in your checking account.&nbsp;Many consumers may be unaware that an ordinary paper check that is processed as an electronic check creates has different implications for them.&nbsp;This article will highlight some of the pros and cons of the electronic check conve Business Financials Articles Wed, 06 May 2009 17:34:35 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/the-pros-and-cons-of-electronic-check-convers.html http://resources.lawinfo.com/en/articles/business-finance/federal/protecting-your-personal-accounts-from-unauth.html <div>Life is busy and going through the mail takes time.&nbsp;However, when the mail includes your monthly bank or credit card statement then your time is well spent to review the statement carefully.&nbsp;Both your monthly checking account statement and your credit card statements will include automatic debits or automatic charges to your account.&nbsp;For one or more reasons, your account may include unauthorized automatic debits or charges and if you do not catch them and properly dispute the Business Financials Articles Wed, 06 May 2009 17:35:55 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/protecting-your-personal-accounts-from-unauth.html http://resources.lawinfo.com/en/articles/business-finance/federal/protecting-paperless-money-the-electronic-fun.html <div style="MARGIN: 0in 0in 10pt"><span style="FONT-FAMILY: 'Verdana','sans-serif'">With each passing year, technology becomes more integrated into fundamental parts of our lives.&nbsp;Our bank accounts and financial transactions are no exception.&nbsp;Today, more and more transactions are conducted electronically without the passing of a check or paper money.&nbsp;Some examples of electronic&nbsp;fund transfers include: transactions conducted at an ATM, transactions conducted with an ATM or deb Business Financials Articles Wed, 06 May 2009 17:37:15 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/protecting-paperless-money-the-electronic-fun.html http://resources.lawinfo.com/en/articles/business-finance/federal/secured-transactions-which-party-is-secure.html <div style="MARGIN: 0in 0in 10pt"><span style="FONT-FAMILY: 'Verdana','sans-serif'">Americans know how hard it can be to get a loan.&nbsp;Even in good economic times, responsible lenders may be cautious about lending money if they are concerned about a borrower&rsquo;s ability to repay the loan.&nbsp;Many lenders, therefore, decide to take a security interest in the personal property which is being purchased with the loan money.&nbsp;A loan that is issued with collateral that is taken in propert Business Financials Articles Mon, 10 May 2010 19:09:58 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/secured-transactions-which-party-is-secure.html http://resources.lawinfo.com/en/articles/business-finance/federal/defenses-to-repossession.html <div style="MARGIN: 0in 0in 10pt"><span style="FONT-FAMILY: 'Verdana','sans-serif'">It can be easier to get a lender to agree to loan you money if you provide the lender with a security interest in the property that you are purchasing with the loan money.&nbsp;Most lenders who provide loans for automobiles and real estate take security interests in the property that is being purchased with the loan money, for example.&nbsp;Then, if the borrower defaults on the loan, the lender can repossess the Business Financials Articles Wed, 12 May 2010 17:57:03 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/defenses-to-repossession.html http://resources.lawinfo.com/en/articles/business-finance/federal/what-are-negotiable-instruments.html <div style="MARGIN: 0in 0in 10pt"><span style="FONT-FAMILY: 'Verdana','sans-serif'">Have you ever wondered what law applies when you write a check or purchase a certificate of deposit (CD)?&nbsp;Checks and certificates of deposit are types of negotiable instruments.&nbsp;Articles 3 and 4 of the Uniform Commercial Code (UCC) have been enacted into law by every state and provide the rules for negotiable instruments.</span></div> <div style="MARGIN: 0in 0in 10pt"><strong><span style="FONT-FAMILY: Business Financials Articles Mon, 10 May 2010 19:11:15 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/what-are-negotiable-instruments.html http://resources.lawinfo.com/en/articles/business-finance/federal/south-dakota-a-favorite-state-for-credit-card.html <p> <font face="Arial">Do you ever wonder why your Citibank credit card bill comes from South Dakota, and your payment goes there as well, when you know that Citibank is headquartered in New York?&nbsp; It is because of a combination of federal law and 50 different state laws that allow a bank in New York to use a South Dakota address to bill a customer in California.</font></p> <p> <font face="Arial"><strong>Usury Laws</strong><br /> <br /> Many states have a usury law which limits the Business Financials Articles Tue, 07 May 2013 23:03:15 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/south-dakota-a-favorite-state-for-credit-card.html http://resources.lawinfo.com/en/articles/business-finance/federal/due-diligence-in-business-financing-.html <div style="MARGIN: 0in 0in 10pt"><span style="FONT-FAMILY: 'Verdana','sans-serif'">There are many times in the course of business when a business needs to seek financing in order to meet its goals.&nbsp;Some businesses seek financing to start their company, others seek it to expand their company, purchase new infrastructure or take their product global.&nbsp;Many businesses seek financing for more than one of these, and other reasons, from time to time.</span></div> <div style="MARGIN: 0in 0in Business Financials Articles Thu, 10 Jun 2010 10:30:49 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/due-diligence-in-business-financing-.html http://resources.lawinfo.com/en/articles/business-finance/federal/can-i-use-a-loan-modification-program-in-orde.html <div> With mortgage foreclosures at an all time high, major banks across the nation have begun offering loan modification programs for people who are in danger of losing their homes to foreclosure.&nbsp;While eligibility for loan modification programs differs from one bank to the next, the common goal of these programs is to restructure existing mortgage loans so that borrowers have lower payments.&nbsp;Because foreclosure is costly not only for the homeowner, but for the bank itself, the bank Business Financials Articles Wed, 08 May 2013 19:26:56 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/can-i-use-a-loan-modification-program-in-orde.html http://resources.lawinfo.com/en/articles/business-finance/federal/how-can-a-creditor-repossess-property.html <div style="MARGIN: 0in 0in 10pt"><span style="FONT-FAMILY: 'Verdana','sans-serif'">Many Americans experience a time when their financial obligations become overwhelming and they are unable to pay all of their outstanding obligations on time.&nbsp;A debtor who defaults on a secured loan may face the threat of property repossession.&nbsp;A creditor can repossess property only if the creditor has a valid security interest in that property and if the creditor follows the proper legal procedures for Business Financials Articles Mon, 10 May 2010 19:16:52 GMT http://resources.lawinfo.com/en/articles/business-finance/federal/how-can-a-creditor-repossess-property.html http://resources.lawinfo.com/rss/en/articles/business-contract/index.html Free Business Contracts Articles Business Law Sub-categories Fri, 24 May 2013 10:07:08 GMT http://resources.lawinfo.com/rss/en/articles/business-contract/index.html http://resources.lawinfo.com/rss/en/articles/business-franchise/index.html Free Business Franchise Articles Business Law Sub-categories Fri, 24 May 2013 10:07:08 GMT http://resources.lawinfo.com/rss/en/articles/business-franchise/index.html http://resources.lawinfo.com/rss/en/articles/business-litigation/index.html Free Business Litigation Articles Business Law Sub-categories Fri, 24 May 2013 10:07:08 GMT http://resources.lawinfo.com/rss/en/articles/business-litigation/index.html http://resources.lawinfo.com/rss/en/articles/business-loans/index.html Free Business Loans Articles Business Law Sub-categories Fri, 24 May 2013 10:07:08 GMT http://resources.lawinfo.com/rss/en/articles/business-loans/index.html http://resources.lawinfo.com/rss/en/articles/creditors-rights/index.html Free Creditors Rights Articles Business Law Sub-categories Fri, 24 May 2013 10:07:08 GMT http://resources.lawinfo.com/rss/en/articles/creditors-rights/index.html http://resources.lawinfo.com/rss/en/articles/e-commerce-law/index.html Free E-Commerce Law Articles Business Law Sub-categories Fri, 24 May 2013 10:07:08 GMT http://resources.lawinfo.com/rss/en/articles/e-commerce-law/index.html http://resources.lawinfo.com/rss/en/articles/federal-communications-commission/index.html Free Federal Communications Commission Articles Business Law Sub-categories Fri, 24 May 2013 10:07:08 GMT http://resources.lawinfo.com/rss/en/articles/federal-communications-commission/index.html http://resources.lawinfo.com/rss/en/articles/mergers-and-acquisitions/index.html Free Mergers Articles Business Law Sub-categories Fri, 24 May 2013 10:07:08 GMT http://resources.lawinfo.com/rss/en/articles/mergers-and-acquisitions/index.html http://resources.lawinfo.com/rss/en/articles/starting-business/index.html Free Starting a Business Articles Business Law Sub-categories Fri, 24 May 2013 10:07:08 GMT http://resources.lawinfo.com/rss/en/articles/starting-business/index.html