10 market pros take on 2009

What's in store for your money next year? Here's the divided forecast from some of the nation's top money minds.

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Economy: Half empty

Diane Swonk
Chief economist, Mesirow Financial

Optimism score: 5

"The key question is, When will consumers start to feel really good about the economy again? And I think that's not going to happen until 2010 because it will take until then for housing prices to stabilize."

Prediction: Thirty-year fixed-rate mortgages could go below 5%.

NEXT: Stock market: Half full

Last updated November 04 2008: 9:13 AM ET
Your investments Stocks will likely bottom by early 2009. More
Your homePrices may fall another 15% or so before year end. More
Your savings and credit Continued low interest rates on savings - but slightly easier credit. More
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