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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

If I participate in my employer's 401K plan, can I also set up a SEP-IRA for my self-employment income?
What is the difference between the gross and net interest rate?
What is the formula for annual rate of growth of earnings per share?
What is the Hiring Incentives Act and how does it benefit small businesses?
Is your ZIP code still a factor in determining cost of auto insurance premiums in California?

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