1. The money affects player contracts and who you are able to sign. If you are in the negative good luck getting big name free agents or even keeping your own guys.
2. I am not sure on jersey sales as I never used the in game uniforms because they were all terrible last year. This year there is some promise in them.
3. Relocation can be completely turned off this year for the CPU, last year you would hardly ever see teams with brand new stadiums move, as it was based off the stadium rating. They also re-worked the logic so hardly any CPU teams will move in the first few years.
4. I wish they would give us the option to choose any city with any logo.