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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

How can I lower my auto insurance rate?
What is the difference between $7,500 & $8,000 tax credits for first time home buyers?
I have received Form 5498. Do I have to include it in my tax return?
Do we have a National Savings Day in U.S.?
Can you explain when one is responsible for others debt in death and when he/she is not? Does it depend on your relationship, i.e. spouse or parent, or type of debt? I'm so foggy on this issue and think it is important because I have heard that creditors will get you to pay if they know they can

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