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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'm participating in my employer's 401K plan, may I also set up a SEP-IRA for my self-employment income?
What is the best way to become a financial advisor?
Loan Modification: Are these programs actually working? Was anybody able to successfully renegotiate their mortgage payment and/or reduce loan amount? Everybody talks about loan modification, but are there any “success stories?”
What are some creative ways to save money?
Is a credit card statement considered a viable replacement of a receipt for income tax documentation of expenses or are credit card slips still required?

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