First the stock market soared to new all-time highs. Then came the word that home prices had just posted their first double-digit annual gain since 2006. Are the boom times back for stocks and real estate? Certainly, recent gains are a sign of hope, but with every bull market comes a fair amount of hype as well. Before you plunge head-first into volatile markets, consider the following reasons to be a little skeptical about these recent market rallies.