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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?

Questions

I have invested in cash-isa where the maximum I can put in is only 3600. Is there some other investment plan where I can invest on monthly basis and earn good interest ? I'm looking at anything lenght of time. Thank you for taking your time to answer my question.
I am a Nonresident Alien and I live in Ensenada Baja California Mexico. I’m about to buy many electronics. Total value would be around $12,000 for my personal use. I am building my own house and I want to buy from SEARS in Chula Vista, California, but I don’t want to pay double tax (in the US and Mexico) since I am going to import the merchandise to Mexico. Is there any way to avoid the payment of taxes in Chula Vista?
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?
What exactly is accounts receivable financing and factoring and how can it help a business?
Loan Modification: Are these programs actually working? Was anybody able to successfully renegotiate their mortgage payment and/or reduce loan amount? Everybody talks about loan modification, but are there any “success stories?”

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