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Hey U.S., welcome to the Third World!

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Answers Needed

Which affords more protection-having payments made from your bank account or authorizing your creditor...?
Do we have a National Savings Day in U.S.?
I'm leaving an employer, and have paid most of my deductible for 2009 already. If I switch to COBRA, does my deductible reset? Or is it a continuation of my original policy, and I have already satisfied the deductible requirements?
Rental House - Gift vs Inheritance.

My mother has a rental house for 23 years and now she wants to give it to me . What is the tax consequence? How can we avoid paying tax?

My friend suggested that my mother just leave the house to me in her will since it will be an inheritance the basic will be FMV at that time and I won't have to deal with the past rental. Is this true?
What are mortgage (origination) points?

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Wide Merchant Group

Wide Merchant Group
Los Angeles, California
Financial Advisor

Jannen Vamadeva

Jannen Vamadeva
London, UK
Investments

Kemper Capital Management LLC

Kemper Capital Management LLC
Evansville, Indiana
Financial Planning

David Thomas

David Thomas
, California
Education Planning

The Helpful House Buyers

The Helpful House Buyers
, Canada
Real Estate

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