Dividend ratios suggest we are closer to a market top rather than a bottom.  Investors have thrown away the caution, they flock to growth stocks hoping that prices will go higher and higher and they will eventually sell to a greater fool at a higher price. It is a ponzi scheme, or they hope that it is. But nobody quest...more

Stocks are risky. Prices are sustained by excessive spending funded by excessive debt. It won't last forever.  Google for "Kondratieff Wave 2012" to understand the risks in this coming year. Keep your dollars safe.

U3 is not an accurate estimate of unemployment. There are many people who have given up and do not get counted. Another way to look at unemployment is to count who is actually employed. Google for "Unemployment Kondratieff Wave" to see an employment chart.