I guess tech log or questions might be more appropriate but to answer your questions then;
Load factor is simply the ratio of the magnitude of the lift vector to the magnitude of the weight vector & gives a dimensionless quantity, hence in steady, level flight it has a value of one.
Wing loading is the ratio of weight to wing reference area, so a heavy aircraft with a small wing area would have a high wing loading.
As for stalling at a load factor of 0.98 then I would guess someone was referring to the stall speed at a load factor of 0.98? It just means the speed the aircraft stalls at when the load factor is 0.98. Both the load factor & wing loading affect stall speed. For each case the stall speed varies with the square root of said quantity, so doubling either the wing loading or the load factor would increase the stall speed by about 41%.
Hope this helps