This point in the market, we have likely seen an inflection point and we will be seeing the down cycles shortly.

If I were to speak what I type, the inflection of my voice, speaking style, tone and maybe a humorous expressions would give the typed word a completely different meaning and message to you.

@Ndy Onyido frankly I expected quite a few more posts with your point of view.One thing that gets lost in all of this is the personal interaction.. the inflections the enthusiasm that comes with belly to belly and or at least over the phone..I have to hand it to anyone who could learn this business by just reading on the internet I know I could NOT .. 

Being super, super polite and maintaining a level tone of voice and normal inflection when you talk to them will convey that you are a reasonable person.

Investors and pundits seem to have forgotten that we were promised 2014 would be the end of the crisis.Instead, we are speeding towards the inflection point at which debt becomes harder to service because pretend-and-extend policy making has created a depression in investment and consumption.The public debt loads continue to inflate across Europe: Portugal’s public debt has ramped up to a staggering 130% of GDP, up from about 70% in 2007.

Sometimes I forget tone and voice inflection don't convey in print very well...

@Steve Vaughan  My Dad taught me that real Estate was Belly to Belly before there was an internet or cell phones etc.. he would always say so much is in your body language inflections all sorts of things you can only do in person... todays real estate is so focused on hiding behind text messages that get misconstrued etc. 

What it can't do is teach you inflections within communication or drive to perform even keep you away from harm.

I got on to this thing called whats app and I like those quick verbal messages.. this way I can tell the inflection in the voice and its 100 times quicker than trying to text... 

If the inflection point is 7 years, then my policy would be worth $84 after 7 years of paying $1K a month.