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Various scientific studies have linked smartphone usage in bed to inferior quality of sleep, and yet, millions of Americans cannot resist the allure of checking their Twitter timeline one more time before falling asleep. According to research conducted by Deloitte, 14 percent of smartphone owners in the U.S. check their smartphone immediately before trying to go to sleep and 35 percent do so within 5 minutes.

While many smartphone manufacturers now equip their devices with a so called night mode to limit the negative effects of bedside smartphone use, these are merely filtering out blue light which suppresses the secretion of melatonin, a hormone that regulates sleep cycles. What these “night modes” cannot do is limit the negative effects that smartphones and their steady stream of stimulation have on people’s ability to unwind and fall asleep.

It’s not just at night that smartphones make for an unhealthy but popular bedside companion. Checking your phone right after waking up isn’t the best idea either. Instead of waking up slowly and sorting their thoughts for the day ahead, smartphones divert people’s attention away from their own thoughts by confronting them with the outside world immediately. As our chart illustrates, early morning smartphone use is nearly as prevalent as it is late at night.

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Every week, Annex Wealth Management hosts two radio programs that inform and educate listeners. Here are some highlights from those programs.

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With Janet Yellen’s departure, we’ll be looking at new members on the Fed Committee which may enact different behaviors than those made under Yellen’s leadership. Annex Wealth Management’s Derek Felske and Dave Spano discuss the impact of possible changes in the Fed.

MoneyDo: Set A Budget For Holiday Spending

Tax Gain/Loss Harvesting

Treasures Of Italy with Dave Spano – October 20, 2018 to November 1, 2018

Retreat to Paradise with WTMJ’s Saturday Morning Team – March 11, 2018 to March 18, 2018