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Addition to the New CA Short Sale Laws

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New idea to free up equity has drawbacks

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American Express Rant - Leave Home Without It

WiseSaver

Life Insurance For Estate Planning

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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

Eric Williamson

Eric Williamson
New York, New York
Real Estate

Rene Perrin

Rene Perrin
East Meadow, New York
Real Estate

Monica Pappas

Monica Pappas
Las Vegas, Nevada
Legal

Shayla Twit

Shayla Twit
Longboat Key, Florida
Real Estate

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