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Independent contractor VS. Employee

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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?

Advisors

Brad Greenleaf Mortgage Solutions

Brad Greenleaf Mortgage Solutions
Fort Lauderdale, Florida
Home Loans

Matthew Barrett

Matthew Barrett
Rochester, New York
Payroll

Stelmakh & Associates, LLC

Stelmakh & Associates, LLC
Seattle, Washington
Legal

Pacific Health Law Group, PC

Pacific Health Law Group, PC
Los Angeles, California
Legal

Robert Armstrong, JR.

Robert Armstrong, JR.
San Diego, California
Real Estate

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