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How does new Emergency Homeowner Loan Program (EHLP) work?

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 is the difference between the gross and net interest rate?

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?

Which washer/dryer will qualify for an energy-efficient tax credit?

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

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.