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

What are the best ways of spending money apart from spending just on shopping and entertainment? When can spent money be never regretted? Add your feedback please.

What are the some available defenses against product liability claims?

Has anyone ever used invoice financing for their business? How was the experience and what benefits did you get?

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

Does a nonprofit (not for profit) organization need to have an independent review and/or audit of its financial statements?

What is the future of a cryptocurrency developer?

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?