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How can you pay off your debts with the help of IVA?

Michael G. Shinn, CFP

Your Money Really Matters, The Lost Art of Saving Money

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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

Mark Goldman

Mark Goldman
San Diego, California
Home Loans

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Anita Clark Realtor
Warner Robins, Georgia
Real Estate

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Darren Tobin
Atlanta, Georgia
Legal

Approved Mortgage Brokers

Approved Mortgage Brokers
North York Ontario, Canada
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Gabe Alice

Gabe Alice
Chicago, Illinois
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