Sprig The Word Blog

If you need a commercial loan and would like the certainty of knowing what your interest rate will be, consider an interest rate swap.

After two lost cell phones and a story about how her sister-in-law stored her own device, Tami Lange was destined to find the perfect solution for her family. Fast-forward a few years, and Lange is now helping thousands of other women thanks to financial support from Town and Country Bank.

Disasters come in many forms: floods, fires, tornadoes, loss of key employees, computer hacking, and more. If one happened tomorrow - and it could - are you ready?

Here in Illinois, small businesses make up 98.2 percent of our total business population. Nearly half of the state's workers (46.4 percent) are employed by a small business.

If you use the same bank account and credit card for your business and personal life, don't. It's that simple. Combining business and personal finances puts you at increased risk for tax and legal liability, business failure, and poor personal financial management.

Lara DeGroot, assistant vice president and Treasury Management Sales Officer for the Metro East Market, explains Cash Management, Town and Country Bank's online banking platform for businesses.

Each depositor per bank is insured by the Federal Deposit Insurance Corporation, or FDIC, up to $250,000. That means, if the bank fails, the FDIC will reimburse you up to $250,000. But what if you have more money than that? We've got you covered.

By being proactive, learning about common mistakes lawyers make when it comes to trust account management, and knowing where to turn for help, you can move forward with confidence.

Mismanaging a trust account can have severe repercussions for lawyers, ranging from fines and financial losses to ethics violations and potential disbarment.

Unfortunately, the season of giving also means prime time for the taking for fraudsters looking to cash in on your business.