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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

What year-end tax planning strategies (for individuals and small business) would you implement this year?
What is the best way to save credit card surcharges?
What is "IRS 8b Payout"?
Which affords more protection-having payments made from your bank account or authorizing your creditor...?
How does owner financing work when using a note? Does the seller sell the note to get money up front? Is there a negative for the buyer if the note is sold?

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