I am doing freelancing for two different companies and I have several questions. I deliver for them digital files, such as research, PowerPoints or excel files. Do I need to add sales tax to the invoices? When and how do I file taxes? I have never worked before in California and just started working in October last year.

Are payday loans meant to help people in times of emergency or just to trap them into a cycle of debt?

If I participate in my employer's 401K plan, can I also set up a SEP-IRA for my self-employment income?

What are the tax changes I need to know about when filing my individual return for 2012?

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Can I claim child tax credit for my son born on December 31?

What are the advantages of factoring?
Factoring allows your company to get instant cash, in less than 24 hours. Factoring can be defined as a process when a third party firm, known as a factor, purchases the accounts receivable of a business and gives it cash advance based on those bills (that are unpaid). It has a number of benefits like:
1. Does not require collateral
2. Good use for growth
3. Qualify for more and more funding
Do you agree with this? Are there any more benefits?