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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 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 More Bonuses and no-obligation gold IRA rollover kit now by clicking on the links in this site article to learn everything you need in order to protect your assets by a partial allocation to physical gold.

 

men's wallets at macy's - An Overview

5 Reasons Front Pocket Wallets are a Smart Move

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The wallet has been an important piece of men's style for decades. Wallets provide a straightforward way for men to hold onto important valuables like cash, credit cards and IDs. However, this doesn't mean that they are comfortable or effective.
Wallets can be bulky, 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 comfortable and convenient 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 inconvenient and bothersome. Picture this -- you're standing in line at a sandwich shop 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 get on ebay 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 men's wallets slim can have disastrous effects on your lower back and posture. Carrying weight unevenly, especially on sale at ebay 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 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 clear that front pocket wallets are going to become a bigger and bigger part 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.

hvac lead generation companies - An Overview





PROCURE HVAC LEADS THAT WORK
Want leads for your HVAC business? Like to grow your ventilation, heating, and air conditioning installation and repair service? Are you an A/C repair company seeking new customers?


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Team up with thousands of home service pros and get high quality, phone-verified leads in your location!

• All leads phone-verified & sifted for quality
• Jobs originate from meaningful residents near you

We are unlike any other lead generation company. We offer high quality leads at wonderful costs, targeted phone leads are sent your way, there are no contracts, and no monthly fees. Overall, these conveniences don't only lower your HVAC lead price, but also enhance your odds of acquiring the job.

With HVAC leads from Home Improvement Leads, you can stay at the center of demand with our tried and tested lead generation techniques and incomparable customer service.

We know you strive at your job, and we will connect you with qualified, quality property owners hunting for HVAC services.

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

As a clever business owner, we're thinking you knew that already. You may not have realized that it's very easy to determine what the average HVAC lead is worth. Some basic data analysis will permit you to make better judgments when trying to determine how to spend your advertising and marketing dollars.

What Should an HVAC Lead Cost?
For HVAC companies, there are considerable financial obstacles associated to attaining new business. According to a report by Energy.gov, "Acquiring customers through marketing can represent a significant expense for HVAC service providers. Industry sources deduced that acquiring a single customer costs an HVAC contractor between $200 and $300.".

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

Not All HVAC Leads are the Same.
Getting high quality HVAC leads can be a bit of hit and miss with most lead brokers. With our exclusive leads your HVAC business can increase your profits while keeping direction over your advertising and marketing budgets. Our no-risk pay per lead program is developed for construction and home improvement companies, just like your HVAC company.

All you ever spend for are the quality live leads we send directly to your telephone or email. And all of this without any risk on your behalf, you only shell out 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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GET HVAC LEADS THAT WORK
Need leads for your HVAC business? Wish to grow your air, heating, and ventilation conditioning installation and repair service? Are you an A/C repair service provider looking for new buyers?



Partner with thousands of home service pros and get excellent, phone-verified leads in your area!

• All leads phone-verified & screened for quality
• Jobs originate from significant home owners near you

We are unlike other lead generation company. We offer premium leads at excellent costs, 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 increase your odds of winning the job.

With HVAC leads from Home Improvement Leads, you can stay at the forefront of demand with our proven lead generation techniques and unmatched customer service.

We know you work hard at your job, and we will connect you with qualified, quality homeowners looking for HVAC services.

Customer acquisition is the lifeline of any thriving HVAC business. Your organisation wants to be meeting its sales funnel with new prospects each day, or hazard depleting its existing customer base to unyielding competition and other forces of more info attenuation. But to get those brand new buyers in the door, you need HVAC leads. And you require great deals of them.

As a smart business owner, we're presuming 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 how to spend your advertising and marketing dollars.

What Should an HVAC Lead Cost?
For HVAC companies, there are significant financial challenges associated to gaining new business. According to a report by Energy.gov, "Acquiring customers through marketing can represent a great 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 numbers from the Air Conditioning Contractors of America (ACCA). By ACCA's evaluation, the average industry cost per lead (CPL) is between $250 to $300 per lead. But don't worry, we will never charge you these high prices.

Not All HVAC Leads are the Same.
Getting high quality HVAC leads can be a bit of hit and miss with most lead brokers. With our exclusive leads your HVAC business can increase your sales while keeping supervision over your advertising and marketing budgets. Our no-risk pay per lead program is produced for construction and home improvement businesses, just like your HVAC company.

All you ever spend for are the quality live leads we send personally to your telephone or email. And all of this without any risk on your behalf, you only invest in 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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Amongst the major challenges for any roofing service is generating qualified leads. In truth, it's a continuous battle of assessing and throwing things against the wall to see what works. Generating qualified leads is the powerhouse that drives new business.



First, let's define what a lead is.

A lead is specified as follows:

Building qualified leads is the backbone of most small business. There are a lot of different techniques for a roofing business to generate leads.

The methodologies have changed throughout the years, and channels that were once efficient don't have the same power as they once used to have. As a business owner, it's your job to keep up with the latest tactics and strategies in lead generation. Then you should hire someone that does, if you don't have the time.

Kinds of Leads

There are two types of leads. Business to Business leads (B2B) and Business to Consumer (B2C). Ordinarily speaking, B2B leads are going to be more steeply-priced than B2C leads.

Domestic customers are much less sophisticated than commercial roofing customers. Think about it, how many times does a property owner address roof repairs? Not much.

When you that compare with manufacturing and industrial forms of businesses, that deal huge amounts of different types of bids, the customer is a whole lot more sophisticated. You also ought to consider the length of the sales cycle in commercial vs. residential.

Roofing Leads Overview
The roof of a home is the first line of shield against the weather conditions.

A well kept roof ensures the home will be standing for decades to come.

Redesign or updating a roof is not to be taken casually.

Work of this particular magnitude takes time to complete and a highly trained contractor to do it properly.

There are various roof types and styles available, so the homeowner can come to rely on the contractor for his or her expertise for the greatest possible advice.

Leads For Residential & Commercial Roofing Contractors

While the roofing industry is strong and stable, changing technologies and concerns about energy efficiency have changed the way consumers shop for roofs. Finding Top-notch Roofing Leads in a Changing Market Maintaining quality leads means keeping up with the changing needs of your consumers, and a couple of recent industry trends are a perfect place to start.

The first is energy-efficiency-- using supplies that are sustainable and beneficial to both your home and the environment.
The second is solar-- incorporating rooftop photovoltaic panels to existing roofs, or building new roofs that can integrate solar panels. Many first-time buyers and other eco-conscious consumers are looking for roofing professionals who can supply these kinds of services, so reach out to them during your next marketing campaign to help grow your business. Of course, new technologies and techniques in the roofing industry mean more training and portfolio-building for contractors, so many roofing professionals find themselves short on time and unable to properly search for new leads.

That's where this awesome roofings leads company can help. Their extensive experience in the lead gen space means they know how to connect you to new leads who are qualified and interested and in need of roofing services. website They work with roofing professionals from businesses of all sizes, from the large, national guys to the regional roofing heroes supporting their local community. Their track record shows that they can help you here find quality leads while you focus on what you do best. Your relationship with this roofer leads company will be profitable in get more info the long run. Reach out to them from the link on this page.

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