Housing : I agree with Eugene… Lower end will be stable, mid/upper end will show weakness. Volumes might increase IFF inventory opens a bit.

Job : The overall employment numbers will show improvement. Meaning unemployed people will find jobs. However, this will be countered by the income numbers showing a decline. People will be willing to take much lower paying jobs when their benefits and savings run out. Former high wage earners will learn to tighten their belts, change careers, etc.

Gold : The bubble will continue to inflate for the first half, then start to deflate in the second half.

Strength of US $ : No clue but I’m hoping it gets stronger than currently. (It’s not that strong right now, IMO). I’d love to see the exchange rate against the Euro improve since I want to go visit distant family this summer.