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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

I am doing freelancing for two different companies and I have several questions. I deliver for them digital files, such as research, PowerPoints or excel files. Do I need to add sales tax to the invoices? When and how do I file taxes? I have never worked before in California and just started working in October last year.
First-time home-buyer tax credit of up to $8,000 is expiring in November. Should this program be extended or expanded to all home buyers? Should it be increased to $15,000? Was is a temporary fix or has it helped the economy? What's your view?
Share your experience of using a bad credit loan or a payday loan: was is it helpful for you?
What are your best money saving or investments ideas?
Have you heard about the $8000 tax credit? Let me show you how you can take advantage of this !

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