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

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 exactly is accounts receivable financing and factoring and how can it help a business?

What is the best way to become a financial advisor?

What is the difference between the gross and net interest rate?

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

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