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Saving Energy = Saving Money

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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?

Advisors

Larry Coffman

Larry Coffman
Birch River, West Virginia
Insurance

David Page Law

David Page Law
Jerusalem, Israel, New York
Legal

John A. Beyer, CLU

John A. Beyer, CLU
Torrance, California
Insurance

Dr. Louis Patino

Dr. Louis Patino
McAllen, Texas
Legal

Gregory Michaels

Gregory Michaels
USA, Oregon
1031 Exchange

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