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

Can anyone share some tips for budding entrepreneurs. What are the do's and dont's for them.

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

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.

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

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?

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.

What is a Future Delphi credit scoring and how does it work?