Pre-approved 0% interest loans, no overdraft fees, no account minimums, quicker access than an ATM, and a seemingly guaranteed income stream. These are just some of the great benefits of opening an account in the Bank of Mom & Dad. Once a child hits a certain age, they are no longer eligible for these benefits.

(Note: this guest post was written by Kevin A. Pollock, J.D., LL.M. Kevin is an attorney and the managing partner at The Pollock Firm LLC. Kevin's practice areas include: Wills Trusts & Estates, Guardianships, Tax Planning, Asset Protection Planning, Corporate and Business Law, Business Succession Planning & Probate Litigation. Kevin Pollock is licensed in NJ, NY, PA and FL.

It has been over 30 days since the government shutdown. Over 800,000 federal employees have had to rely on other means to cover their daily needs.

The Sunday Hangover.

Do you think a porcupine has more or less than 1000 quills (i.e. the spikes on its back)?

Since reading that sentence, it’s likely you experienced a harmless example of Anchoring Bias.

Do you think you could step outside right now without a jacket? Of course not! It’s been cold, windy & rainy for these past few months. (For those of us living in the Northeast.) Our minds and our bodies are telling us to layer up. It was cold today and it will most likely be cold tomorrow. We don’t have to check the weather to know that.

This post was written by Ken Weingarten (609-620-1770)

This post was written by Ken Weingarten and Frank Fernandez of Weingarten Associates

The following blog post was written by Frank Fernandez, Associate Financial Planner at Weingarten Associates (609-620-1770)

As many of you know there is much discussion in Washington these days about possible tax reform. I emphasize possible since nothing is definite and it may not be definite until after the first of the year.