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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

What is a Future Delphi credit scoring and how does it work?
Has anyone ever used invoice financing for their business? How was the experience and what benefits did you get?
What is the best way to save credit card surcharges?
What are some creative ways to save money?
To my peers. Do you have concerns over the new RTRP(Registered Tax Return Preparer) testing and licensing? Do you have up to date information? Are any of you thinking of leaving taxes. What about you fincial planners that also prepare are you understanding the disclosure rules that efect everyone in the tax industry? Look for some great dialog.

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