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Law Offices of George M. Sanders, PC's Questions

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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

My partner and I are registered domestic partners in California. Can she claim Head of Household since my son lives with us? I read the requirements and it does say "stepchild" so I guess the question is.... Is he considered to be her stepchild in the eyes of the "tax gods"?
Do you have any experience with NACA (Neighborhood Assistance Corporation of America) loan modification expos?
How can I lower my auto insurance rate?
Are payday loans meant to help people in times of emergency or just to trap them into a cycle of debt?
The great Health Care debate; what does it mean to me, less is more. Why is congress specifically excluding itself from participation in there wonderful plan, or maybe they know something we don't. Whats your take on less is more?

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