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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

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?
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?
What is “Double-Cycle Billing” practice used by credit card companies?
Loan Scenario-- Can Anyone Do This: Loan State: Virginia - Loan Type: Refinance Rate & Term - Loan Amount: $100,000 - Property Value: $180,000 - LTV: 56% - FICO: 716 - DTI: 26 - Occupancy Type: Non- Owner Occupied - Property Type: Single Family Residence - 4 Investment properties and primary residence- customer wants to R&T all.
Is “Cash for Clunkers” program still available?

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