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.
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%.
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Last updated November 04 2008: 9:13 AM ET