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When is the Dog Deductible?

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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

John A. Beyer, CLU

John A. Beyer, CLU
Torrance, California
Insurance

Keller Williams

Keller Williams
The Woodlands, Texas
Real Estate

Prolux Cleaning

Prolux Cleaning
London, UK
Business

WJFlores Landscaping & Hardscaping

WJFlores Landscaping & Hardscaping
Bristol, Pennsylvania
Construction

Patrick A. Driscoll

Patrick A. Driscoll
Maplewood, Missouri
Real Estate

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