Many financial firms that focus on older, wealthier generations such as Baby Boomers are unprepared from the coming general shift. They will have to reshape their services and message to meet the needs of Millennials.The stakes are high for both sides. Here's why.

Despite the European Central Bank's periodic assurances to the contrary, Europe is well on its way to a lost economic decade and if European policymakers cannot shake themselves out of their present state of complacency we should brace ourselves for very rough going in the global financial markets when the U.S. Federal Reserve starts the process of normalizing interest rates.

I believe that what is happening in Ferguson is just a preview of what is coming to America in the years ahead and much of the anger and frustration that is bubbling just under the surface in our communities has an economic element to it. Let me explain.

Scanning the world map in 2014, 12 places stand out as top-notch retirement options and, while each place is different, all of them offer tremendously appealing lifestyles for the cost. Here's how much it costs to retire in these 12 great retirement spots.

Once the grip of the fiat “dollar” gives way, and it is slowly losing ground, then the price for gold and silver will find their more natural value - and not until then. When might that happen? It could be weeks, it could be months, maybe even another year or two, but whenever it happens, it is more likely to be an overnight “adjustment.” Plan accordingly.

I believe that the Silver to Gold Ratio has peaked, making silver a compelling bargain relative to gold. From today’s vantage point it is difficult believing that the price of silver could ever equal or exceed the price of gold but, when one considers the possibilities, there are many good reasons to accumulate as much silver as possible at today’s prices.

In my opinion the "final financial shot' which leads to live financial fire (collapse) will be in either the gold or silver pits of the COMEX or, ultimately, both. Why? Because, at $20 per silver ounce, it would take only $1.2 billion to crack that market open like a watermelon; because, for a pittance of money in today's world, "trust" in the entire financial system of the West can be shattered. Some will say "big deal" or "who cares?" but it is a big deal and YOU should care!

A financial train wreck is coming! When does it hit the wall? The answer to that question is it's not very far down the road, and I can promise you that is when all hell is going to break loose. [Let me explain why that is the case.]

For any retail investor looking at technology opportunities, identifying just where various technologies are in their respective development (how much work is still to be done to bring the ideas to fruition) and, as such, when each of them will become realities, is imperative. Our Hype Cycle graph does just that. Take a look.

Move over Millennials, there’s already a newer generation businesses are interested in, and it’s called “Gen Z”. If you were not familiar with this new generation label, no one would blame you. Generation Z is currently under construction, with a vague birth range that starts in the mid-90’s to present day. This infographic provides some basics on Gen Z.