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Compare historical P/E ratios with current ratios to get some idea of what's excessive, but keep in mind that the market will support higher P/E ratios when interest rates are low. Hardly anyone has gotten rich by investing in bonds, and no one does it by putting their money in the bank. Knowing these three key issues, how can the individual investor avoid buying in at the wrong time or being victimized by deceptive practices? 3) It is the only game in town.

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governed by so-called Compacts of Free Association (COFAs), under which Washington is responsible for their defense and provides economic assistance, while gaining exclusive military access to strategic swathes of ocean.