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Last Wednesday, you could almost hear the deafening cheers from Wall Street investors as the Dow Jones Industrial Average surpassed 20,000 for the first time ever. In 120 years of turbulent history, it has never before managed to come close to this level. Do not be fooled by Mr. Market.

Look back at the not-so-distant history of March 30, 1999. This was the day that the Wall Street Journal heralded the dawn of a new era as the Dow blew past 10,000 for the first time in history with its “Dow Industrials Top 10,000.” This then-record high occurred on March 29, 1999. It lasted for all of eight and a half months.

By January 14, 2000, the Dow and other market indices had reached their inevitable peak. From this point on, a bloodbath ensued over the next two years. An eye watering $5 trillion of wealth became erased from the ledgers of investors the world over.

These new lofty levels of the Dow should give you plenty of pause look at here now for thought. Whether or not you believe a severe market correction is long overdue or not, you should at least consider that buying stocks when they are overpriced is the single worst mistake you can possibly make in investing. Regardless of how amazing the investment may appear, when you pay too much, you are asking for trouble.

How do you know stocks are so overpriced now? It is more than the recent record of 20,000, which only 10 years ago sounded more like science fiction than actually possible. It is the fact that the price to sales ratio is the highest it has been in 15 years at least. Some scary food for thought is that this ratio is actually massively higher now than it was before the last devastating crash in 2008.

Consider the Price to Earnings ratio as well. This cyclically-adjusted level today stands at its highest amount since the dot com crash after 2000, which is also higher than before the 2008 market crash. Ditto for Enterprise Values to EBITDA which measures the operating cashflow of a corporation’s principal business.

It would be naive to believe that U.S. stocks will simply continue to rise forever. History tells us what happens when investors start to believe that. A better choice is to invest in markets where there is opportunity remaining. Many overseas markets are now far more attractively priced.

Goldman Sachs just announced that European stock markets have twice as much potential and room to rise as do American equities’ markets. Their Price-to-Book ratios are significantly more attractive than are their American peers.

Even Japanese corporations are flush with cash (more than any exchange-listed companies in any rival nation) and starting to pay higher dividends and do more share buybacks. This is true while their stocks are at comparatively cheap prices when measured against American equities.

As for the debt levels of Japanese companies, they boast the strongest balance sheets on earth. Compare this to American companies which are overburdened with simply years of built-up debts. Value investing remains among the most successful strategies in the markets over the past 50 years.

Is Your Retirement Portfolio Ready for the Inevitable American Stock Market Crash?

Stocks never rise in a straight line. History has proven time and again when they irrationally get ahead of themselves, they come crashing back down. This was the case in 1987, 2000, and 2008. We are long overdue for a severe pullback, especially given the new all-time highs which are based on only speculation and hope. When the markets do inevitably fall back down, gold will once again prove to be the smartest asset class in which to have moved at least some of your retirement assets.


Gold-Prices-10-Year-Chart-2000-2010

As this chart demonstrates, from the years of 2000 through 2010 when the stock markets crashed and burned not once but twice, gold prices rose from around $250 per ounce to approximately $1,400 per ounce. The yellow metal will protect you again in the next stock market retrenchment. You can safely rely on its hedging power for your portfolio. Request your free and no-obligation gold IRA rollover kit now by clicking on the links in this article to learn everything you need in order to protect your assets by a partial allocation to physical gold.

 

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5 Reasons Front Pocket Wallets are a Shrewd Move

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The wallet has been a crucial piece of men's vogue for decades. Wallets provide a simple way for men to hold onto important valuables like cash, credit cards and IDs. This doesn't mean that they are comfortable or effective.
Wallets can be unmanageable, difficult to manage and, some studies show, a pain in the back! Here are five reasons why you should swap out your old wallet for a convenient and comfortable front pocket wallet.

 

You can keep your valuables in a safe place.

 


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Pick pockets are notorious for their ability to lift wallets out of back pockets while the owner is completely unaware. In contrast, your front pocket wallet can definitely not be lifted out without you noticing.

 

 

You can keep your smart phone in the same safe place as your wallet.



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It's much better to keep your wallet and your cell phone together in the same secure place. Using a front pocket wallet with your phone is an easy way to protect your valuables and keep your phone safe.

 

 

You can have quick access to your important items.



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Fumbling for your bulky wallet in your back pocket is frustrating and inconvenient. Picture this -- you're standing in line at a lunch counter during lunchtime rush hour and needing to grab your huge wallet from your back pocket in standing room only. Not a pretty picture at all! With a front pocket wallet you can easily reach in your pocket and get access to whatever you need.

 

 

Say goodbye to back pain!



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According to many researchers, carrying around the extra weight in your back pocket can have devastating effects on your lower back and posture. Carrying weight unevenly, especially in your back pocket, can throw off your posture and cause back pain. If you're traveling around town a lot for business or spend a lot of time on your feet at work, having on sale at ebay a front pocket wallet can help you minimize pain.

 

 

Be a trendsetter.


You may not be a skinny jeans wearer -- but the advent of this fad has certainly made front pocket wallets more popular! With all these benefits, it's get on ebay clear that front pocket wallets are going to become a bigger and bigger part more info of the way men carry their valuables. No matter whether you wear skinny jeans, khakis or dress slacks, you'll be part of a growing trend.
Ready to get all of the benefits of a great wallet?

Check out the links in this article to buy great wallets.

Examine This Report on lead generation exterminator for roaches



Exterminator & Pest Control Leads - Why They Are Essential To Your Small business



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We do lead generation for home and commercial contractors including Pest Control, HVAC, Roofers, plumbers, electricians, water damage and mold, pest control, locksmiths, garage door repair, tree removal, movers and many more.

We also help generate leads for financial advisors, payroll companies, lawyers and attorneys...http://transbytes.com/

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Lead Generation Companies and Effective Ways To Choose One

Organically appealing to users to your site takes a considerable amount of time and effort, and those lead generation schemes ebb and flow with consumer demand and general brand awareness. To help make up for an organic pipeline that has slowed to a trickle, many sales and marketing teams turn to lead generation companies to keep sales teams employed and expand their customer base.

Lead gen companies and services can be priceless as you have outsourced a time-consuming and complex task to experts. And the only way to get sales is to generate leads first - in other words, generate interest in your service and customer inquiries about buying it.

So sales lead generation is essential because it's what keeps companies running.

It's a sport of numbers, and those numbers aggregate in well-planned lead generation strategies. The main aim is quality, and 'quality' here means that you're getting pre-qualified leads that you can approach with personalized, industry-specific messaging.

You can't generally call any tactic the 'best lead generation tactic' or the 'worst'. For each one you can locate companies that get enough clients doing just that (be it email marketing, SEO, or content marketing). B2B marketers say that the biggest obstacles to lead generation success are the lack of resources in staffing, time, or budgeting.

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In winter months we would probably appreciate to hear the telephone ring with a large ant task, but that hardly ever materializes. Our services are indispensable all year, but our financial growth, in most locations of the country, arises in a 4- to five-month phase in spring and summer. Most of us know how necessary leads are.

This lead generation company can generate fresh pest control and exterminator leads directly to your phone everyday! Success is dependent on effective salespeople and superb service; but pretty much nothing happens until you have a lead-- someone interested in what you have to sell. They generate leads explicitly for new pest account sales across all four seasons of the year. Their pest control lead generation efforts are targeted to different service-types, from bed bugs, to termites to general ant control services. Almost every new lead they obtain is in decision-making mode and ready to hire a pest management service.

This leads service get more info generates its own pest control buyers and leads, and delivers them to you in real time! You respond to the call, and get the customer. The hard work of generating customer calls is entirely handled by these exterminator lead gen experts.

Imagine, as much as 35% of your entire call aggregate are simple requests for more info. You could be giving up more than you know if your company performs inspections. Have you guided your phone handlers to convert queries into leads? This is a must do if your company is to maintain an acceptable cost per customer acquisition. I often find that the simple form of those telephone calls is not scripted in any way in some providers. We think lots of people know how to sell on the phone and that they just need to know what services we provide. Not true. Speaking with prospective customers on the phone needs and is read more a science to be educated into those employees who are customer facing. Those phone handlers are the front line of your business. Train and monitor them closely.

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ACQUIRE HVAC LEADS THAT WORK
Need leads for your HVAC business? Plan to grow your heating, ventilation, and air conditioning installation and repair service? Are you an A/C repair service provider seeking new patrons?


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Enroll in thousands of home service pros and get high-grade, phone-verified leads in your location!

• All leads phone-verified & evaluated for quality
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We are unlike every other lead generation company. We offer premium quality leads at great fees, targeted phone leads are sent your way, there are no contracts, and no monthly fees. Overall, these advantages don't only decrease your HVAC lead price, but also improve your odds of succeeding in the job.

With HVAC leads from Home Improvement Leads, you can remain at the leading edge of demand with our tried and tested lead generation techniques and unrivaled customer service.

We know you work hard at your job, and we will connect you with qualified, quality home owners seeking out HVAC services.

Customer attainment is the lifeblood of any growing HVAC business. To get those new customers in the door, you need HVAC leads.

As a sharp business owner, we're supposing you knew that already. You may not have realized that it's very easy to establish what the average HVAC lead is worth. Some basic data analysis will allow for you to make better choices when trying to determine the best ways to spend your advertising and marketing dollars.

What Should an HVAC Lead Cost?
For HVAC companies, there are major financial hurdles associated to obtaining new business. According to a report by Energy.gov, "Acquiring customers through marketing can represent an important expense for HVAC experts. Industry sources assessed that acquiring a single customer costs an HVAC contractor between $200 and $300.".

This also is supported by figures from the here Air Conditioning Contractors of America (ACCA). By ACCA's computation, the average industry cost per lead (CPL) is between $250 to $300 per lead. But don't worry, we will never ask for you these high prices.

Not All HVAC Leads are lead generation the Same.
Obtaining high quality HVAC leads can possibly be a here little bit of hit and miss with most lead brokers. Our unique leads for HVAC contractors are risk and stress free. With our professional leads your HVAC business can increase your earnings while sustaining control over your marketing and advertising spending plans. Our no-risk pay per lead program is crafted for construction and home improvement companies, just like your HVAC company. We are concentrated on steering real customers at a fixed cost often. We do all the marketing, advertising and digital services including pay per click advertising, seo, website design and build, maintenance, testing and optimization so you don't have to.

All you ever spend for are the quality live leads we send personally to your telephone or email. And all of this with no risk on your behalf, you only pay for quality leads, if we don't deliver leads to your business you don't pay a cent-- we can't make things any more fair than that.

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Premium Plumbing Leads for Your Firm

 


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You Can Secure High Value Plumbing Jobs Simply By Answering The Phone
FOCUS ON GROWING YOUR BUSINESS, IN PLACE OF TOTALLY WASTING TIME ON PROMOTION AND MARKETING

Live & Exclusive Plumbing Leads Direct To Your Phone
Through this exclusive lead generation system (see the link in this article and join now), you'll get the plumbing contractor leads you need to grow your business. First-rate performing plumbing partners can turn seven out of ten telephone calls into jobs, and this company is seeking those kinds of plumber contractors.

Do you like to become the very best, most well-respected and highest paid plumber around? Prepared to step into the role of most respectable plumber among all your competition? Then you've found yourself in just the right place, because Transbytes is the premier lead generation company on the market. They are competent not only of getting you however many leads you need, but of making sure that those leads fall within a certain threshold of quality that will drastically increase their likelihood of conversion. And, after all, it's not the leads that you really want, but the business that they'll amount to, right?

This is how it works. They use online marketing approaches to put your ads in front of customers.
Customers call into our network and the calls get directed directly to you (you better be good at answering all calls so you don't miss out on business).
You answer their call, set the appointment, and perform the service.

Did I mention, this lead gen company supplies exclusive and live phone plumbing leads.

Plumber Leads among several contractor lead generation they do.

They do publicizing across the internet on all the major search engines and have patrons call directly to you for their current plumbing emergency. This generates the best plumbing leads for plumbers.
They do not sell our plumbing leads to multiple plumbers. All of their plumber leads are exclusive.

All calls are recorded so you can listen (and they can click here listen) to the recorded call and verify it was a valid lead. And did we mention there are no contracts with this lead gen company.

Become An Exclusive Partner Right Away
Their marketing efforts generate live plumbing leads, but I know for sure they need more quality plumbing partners to answer those calls, set the appointment, and close the deal. To ensure a mutually valuable relationship, they limit the number of partners in each area.

They are searching for partners with the following skills:
Excellent Customer Service Skills
Process for Taking Phone Calls 24/7
Answer Emergency Calls in 60 Minutes or Less
Competency to Close 70 to 90% of Leads
The customer pays you directly after the job is completed.

So don't wait, grow your plumbing business today, check out the link in this article.

Ready to step into the role of most enviable plumber among all of your competition? You've found yourself in exactly the right place, because Transbytes is the premier lead generation company on the market. They are capable not only of getting you however many leads you need, but of making sure that those leads fall within a certain threshold of quality that will drastically increase their likelihood of conversion. And, after all, it's not the leads that you really want, but the business that they'll amount to?

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