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Stricter rules for adjustable-rate mortgages

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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

Sandy Cary

Sandy Cary
Austin, Texas
Real Estate

Florida Dental Care of Miller

Florida Dental Care of Miller
Miami, Florida
Saving

Chris Urness

Chris Urness
Scottsdale, Arizona
Financial Planning

Belen Law Firm, PLLC

Belen Law Firm, PLLC
Phoenix, Arizona
Legal

David Thomas

David Thomas
, California
Education Planning

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