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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 discover this chart demonstrates, from the years of 2000 through 2010 when use this link 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.

 

dog beds for sale Things To Know Before You Buy

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Most panels will involve an alternative locking method, as they cannot make use of your current lock. Clamp locks or deadbolt type locks may be used guiding the sliding door, or You should utilize a Charley Bar.
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According to reviews, improved-high quality Pet dog food ends in a much healthier coat, much less digestive complications and firmer stools. Because your Canine will soak up more nutrients from superior-high-quality Puppy food, significantly less will probably be handed as squander. Additionally, you will have the capacity to feed fewer, closing the cost the expense hole between high quality food and cheap grocery store kibble. Studying and comprehension ingredient labels are classified as the keys to obtaining top rated excellent foods. We delve into what to look for within our portion on Pet food components.

With a guarantee of 15 decades, this design can outlast Severe weather and allow one of the most Energetic Animals. With this design, you actually get That which you purchase and can be a person of numerous happy pet owners.

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During this time period, she labored with various puppies began to present themselves. It wasn't long just before other people took seen of her expertise, and started requesting her help for their unique Puppy.
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In addition to Those people two alternatives There exists a group of pet doors for sliding doors which have been neither A short lived put in nor a semi-long-lasting put in, but someplace in between. Which is, They could demand equipment to arrange but will not be fastened into your observe.

Reply: Have you ever checked out the orthopedic beds? One of my canines has arthritis And that i bought her the Deluxe Orthopedic Pad. The material inside is like Those people foam pads people today place in excess of their mattresses. My Puppy seriously likes that bed. Hope that assists (:
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This generates a substantial degree of labor in producing in order to absolutely take away that weather-strip. Sometimes, the panel has to be rebuilt completely. These labor fees is going to be deducted from a refund or; If your harm is severe plenty of the return might not be accepted in any way.

Some pet doors guard towards the weather a lot better than Other folks. A well manufactured pet door will keep the weather outside even though permitting your Animals inside of, and be sturdy adequate to withstand The weather!
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Kennel Deck is the proper Alternative to providing a sanitary, yet comfy surface area for puppies in cages, operates, and a lot more. Kennel Decks flooring process for Animals presents a clean up and proper Answer for all types of canines or other animals within a kennel or Puppy cage.
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Our Doggy house is crafted from difficult and sturdy PP. It truly is Tremendous uncomplicated to wash, a hundred% hygienic, leak proof and does an excellent career standing up from the forces of mother nature, which makes it a great choice for outdoor use.
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Give your large furry Close friend access to shelter day and evening and acquire them in from the warmth rain and chilly without any fuss or scratching on the door. Economical and ...  Much pet beds more + Merchandise Facts Close

Since you recognize the many vital aspects to take into account, you’re prepared to locate the best Canine bed for your 4-legged Pal.

gold necklace - An Overview

Endless Jewelry Pieces Every Woman Should Have and Ways to Wear Them
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There is nothing like a piece of sparkling jewelry that brings a smile to woman's face. Big or small, a piece of jewelry not just lift a woman's appearance but also her spirit. That said, jewelry can make or break your look. And if you are new to this field of fashion trend, it's better to go with the most trustworthy and trendy pieces out there.
When it comes to jewelry, invest in pieces that you love to wear. Just like a classic black gown or a classic leather accessory, a woman some classic pieces in their jewelry wardrobe. Choose pieces that are timeless and all-purpose, so that you can wear them for multiple occasions. In this post, we break down timeless jewelry pieces that must find a place in every woman's wardrobe.
 

Hoop Earrings

 


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A pair of hoop earrings is a versatile fashion selection for generations. These are ideal accessories to spice up your look on weekdays at the office as well as on weekend parties. Opt for a pair of slender, sleek golden hoops for the workplace or a pair of dazzling diamond hoop earrings for an evening event.

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Diamond Ring



While there are many other precious gems, nothing can compare diamond rings, especially if they come from your special one as a love keepsake. When it comes to buying diamond rings, the brilliant-cut solitaires are actually timeless but you can also go for the more contemporary, 21st-century designs.

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There is no way to go wrong with these stunning sparklers; either follow the guiding 4Cs, i.e. cut, carat, color and clarity of the diamond, or find the one that speaks to you, something you've fallen in love with. Don't be afraid to go for something unique, something bold and a real stand-out, as long as it fits the way you live. Remember that your diamond ring can be your statement ring that elevates your personality from dull to fab.

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Chandelier Earrings



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These beautiful pieces are just what you need to light up a room. They swing and sway every time you make a move, making you feel special every moment and go with almost any outfit. Yes, you heard us right, chandelier earrings can make any outfit feel amazing.

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Go for a dangling glittery piece with your gorgeous evening dress and pair a sleek piece with your jeans and a button-down shirt. And if you dare, opt for a stretched, oversized, sculptural single chandelier earring in one ear and pair it up with a simple stud on the opposite ear, moving away from delicate and tasteful styles. Worn together, they will not only look glamorous but will add an extra dose of coolness to your overall look.

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Pearls



Previously known as the "Queen of Gems", pearls were once the most expensive jewelry in the world and only the rich and powerful could afford these gemstones of the sea. These elegant, unsurpassed pieces are the perfect heirlooms that should be passed down from generation to generation, making a woman of every age and walk look stylish and classic.
Wear a big pearl stud or strand of pearl necklace with a simple black dress or pair them up with your favorite sweater, pearls are always a sweet choice.

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Diamond Studs



Just like your get more info diamond rings, diamond studs are your wardrobe must-haves. These are an epitome of understated elegance that brings the perfect finishing touch to your look, be it a traditional evening gown, fancy dresses, or a pair of ripped jeans. It doesn't really matter how big, small, old or new they are, these studs will instantly elevate your look.

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Long Necklace



Worn singularly, a long necklace can add a touch of luxury to your look. Layer it up in a mismatched way and you can flaunt the desired bohemian look. A long necklace can be worn long or short and are a perfect piece to bring life to your basic wardrobe staples.

These are so flexible that you can wear them with a shift dress, formal dresses, tunic, and even your favorite turtleneck - the options are practically endless. If you want a festive look, go for a few strands of necklaces in varied shapes and lengths but don't overdo it. The rule of thumb is the higher the hemlines are, the shorter the strands should be.

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A Secret Weapon For oval engagement rings

Classic Jewelry Pieces Every Woman Should Have and Ways to Wear Them
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Big or small, a piece of jewelry not just lift a woman's look but also her spirit. And if you are new to this field of fashion, it's better to go with the most reliable and trendy pieces out there.
When it comes to jewelry, buy pieces that you love to wear. Just like a classic black gown or a classic leather accessory, a woman some classic pieces in their jewelry collection. Choose pieces that are timeless and functional, so that you can wear them for multiple occasions. In this post, we break down timeless jewelry pieces that must find a place in every woman's wardrobe.
 

Hoop Earrings

 


diamond necklace black solitaire 14K Gold women jewelry

A pair of hoop earrings is a versatile fashion selection for generations. These are ideal accessories to spice up your look on weekdays at the office as well as on weekend parties. Opt for a pair of slender, sleek golden hoops for the office or a pair of dazzling diamond hoop earrings for an evening event.

engagement rings women crystal red garnet sterling silver

 

 

Diamond Ring



Diamonds Are a Girl's Best Friend! Oh, how right she was! Every woman on earth should have to have a stunning sparkler in her finger. While there are many other precious gems, nothing can compare diamond rings, especially if they come from your special one as a love token. When it comes to buying diamond rings, the brilliant-cut solitaires are truly timeless but you can also go for the more contemporary, 21st-century designs.

diamond stud earrings white halo round cut women jewelry

In fact, there is no way to trip with these remarkable sparklers; either follow the guiding 4Cs, i.e. cut, carat, color and clarity of the diamond, or find the one that speaks to you, something you've fallen in love with. Don't be afraid to go for something unusual, something bold and a real stand-out, as long as it fits the way you live. Remember that your diamond ring can be your statement ring that elevates your personality from drab to fab.

cross pendant chain necklace diamond 10K gold women jewlry

 

 

Chandelier Earrings



dangle earrings 10K gold love knot women jewelry

Chandelier earrings are back and are here to stay. And why not? These magnificent pieces are just what you need to light up a room. They swing and sway every time you make a move, making you feel special every moment and go with almost any ensemble. Yes, you heard us right, chandelier earrings can make any outfit feel extraordinary. From fancy gala dress gowns to your favorite jeans.

pendant necklaces for women cubic zirconia crystal

Go for a clinging glittery piece with your gorgeous evening dress and pair a sleek piece with your jeans and a button-down shirt. And if you dare, opt for a stretched, oversized, sculptural single chandelier earring in one ear and pair it up with a simple stud on the opposite ear, moving away from delicate and tasteful styles. Worn together, they will not only look glamorous but will add an extra dose of coolness to your overall look.

diamond hoop sterling silver earrings women jewelry

 

 

 

Pearls



Pearls have been never-out-of-style since they were first discovered. Previously known as the "Queen of Gems", pearls were once some of the most expensive jewelry in the world and only the rich and powerful could afford these gemstones of the sea. Fortunately, they became available to almost everyone, thanks to pearl culturing. These elegant, incomparable pieces are the perfect heirlooms that should be passed down from generation to generation, making a woman of every age and walk look sophisticated and classic.
Wear a big pearl stud or strand of pearl necklace with a simple black dress or pair them up with your favorite sweater, pearls are always a sweet choice.

pandora bracelets jewelry women butterfly snowflakes

 

 

Diamond Studs



Just like your diamond rings, diamond studs are your wardrobe must-haves. These are an epitome of understated elegance that brings the perfect finishing touch to your look, be it a traditional evening gown, fancy dresses, or a pair of ripped jeans. It doesn't really matter how big, small, old or new they are, these studs will instantly elevate your look.

pendant necklaces for women cubic zirconia crystal

 

 

Long Necklace



Worn singularly, a long necklace can add a touch of luxury to your look. Layer it up in a mismatched way and you can flaunt best of ebay the desired bohemian look. A long necklace can be worn long or short and are a perfect piece to bring life to your basic wardrobe staples.

These are so flexible that you can wear them with a shift dress, formal dresses, tunic, and even your favorite turtleneck - the options are practically endless. For instance, if you want a festive look, go for a few strands of necklaces in varied shapes and lengths but don't overdo it. The rule of thumb is the higher the hemlines are, the shorter the strands should be.

diamond hoop sterling silver earrings women jewelry

The Definitive Guide to kids toys for boys

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Read on to find all the latest toys for girls and boys to thrill every child made of "snips, snails, and puppy dog tails" as the old nursery rhyme goes, and discover a fun new product that your little guy will want. No matter their interests, find boys' and girls' toys perfect for every age, from toddlers and babies to big kids.

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It can be complicated to know just what toys are trendy with kids, even when searching for your own little guy. This variety of boys' toys spotlight some of the most popular characters and can give you plenty of different gift ideas for the young one.

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Choose from high-tech superhero toys and remote controlled cars or classics like building blocks and puzzles. No matter what he enjoys, you'll find toys for almost any young boy.One of the most reputable boys' toys are action figures. You'll find figurines of your little guy's movie superhero or WWE Superstar. For something a bit more challenging, building toys blend the patience and problem solving involved in putting together a puzzle with the fun of participating in pretend with action figures and vehicles. After a few peaceful hours of construction, your little man will have built his own new toys.RC cars and robots are always great choices for boys.

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Choose from a wide selection of remote control trucks, dinosaurs and cars he can tinker outside or around the house. No matter what he enjoys, there are so many available. Discover the most popular and affordable boys' toys, and give the little man in your life something special.

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Shop the amazing selection of toys at the links in this article. Our selection of boys' games and toys includes the latest action figures, stuffed toys, building arts, crafts & toys, sports & outdoor toys, and much more. Our featured-brands section show entire product selections from top brands, including, Funko, Disney, here LEGO, Melissa & Doug, Hasbro, Mattel, and more. You can shop Pokemon, Shopkins, Star Wars, Paw Patrol, Batman, and many others. If you're looking for gift ideas for family members or friends, you can even get on ebay shop by age.

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Explore cool toys for boys that not only encourage learning buy on ebay through play, but make it exciting and fun. Building sets are a surefire hit with any kid, and engaging video games will have the whole family playing for hours. Take the fun outside with outdoor boy toys. Ride-ons, bikes and scooters are great options that will have him cruising around the neighborhood in style. It is a great way to encourage him to get exercise and fresh air.


Does he love a certain cartoon or character? We try to keep all the latest superheroes, villains, animals, robots, and other licensed toys in stock. Feed his imagination with pretend and role playing toys. He will enjoy taking after Mom and Dad with tool and cooking sets. Creative-types will go crazy for the assorted arts and crafts and musical instruments. Every little artist can always use more supplies, and every budding Mozart could use a new instrument on which to compose his or her next masterpiece. Radio controlled toys are another good gift idea that is sure to be a slam dunk.

Discover everything from a small item to reward a hard week at school, to those extraordinary big toys that will make this Christmas or birthday celebration unforgettable. Shop toys for 3 year old boys to 14 year olds and every age in between!

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There is nothing more unsatisfactory for a kid then having a new favorite toy break. When you buy toys, you should expect durable toys from some of the industry's best brands. Bring home a quality product that he can play with again and again for years. Choose from a wide variety of gifts for boys, including toys, games, electronics, and more.

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