What is the best way to save credit card surcharges?

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?

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

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

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

Is a credit card statement considered a viable replacement of a receipt for income tax documentation of expenses or are credit card slips still required?

Hello,

I am a Tunisian national on J1 Visa in the US. However, I have never paid taxes in Tunisia. I did my PhD and was working in France for 5 years paying taxes there. I got my visa in France. Is my tax residency France or is it Tunisia? Because if I claim it to be Tunisia, there is no two years tax treaty. If it's France, what documents I need to claim the tax refund?
Thanks