A 2015 survey found that two out of three U.S. teens owned an iPhone. For this reason, the generation of kids born after 1995 is called iGen, coined by author Jean Twenge, author of a book on the subject. According to the Pew Research Center, smart phone ownership crossed the 50 percent threshold in late 2012 – right when teen depression and suicide began to increase. These increases in depression, suicide attempts and suicide appeared among teens from every background, across all races and ethnicities, and in every region of the country. The bottom line:  iGen teens are much more likely to... Read More

It’s Veteran’s Day. This day, we as a nation, have set aside to honor our veterans for their service, their families for their sacrifices, and all those whose live’s have been touched by the tragic effects of war. Many of us have known a family member, friend, or co-worker who has served for our country. My grandfather is a veteran of the US Army who fought in the Korean War. My father is a disabled US Air Force veteran, and I have a very close friend, who I consider a brother, currently serving in the Army, overseas in the Middle East. In my previous life of finance, back in Missouri, I... Read More