(MONEY Magazine) – "A bull. Real estate will correct a bit, but everything else is moving along." —Cary (and wife Bonnie) Schwab, Fairfax, Va.

"I'm a bull, I'm a bull." —John Woram, Long Island, N.Y. (Dad Peter is too.)

"A bear. Times are changing, and things are going to get tough." —Lloyd Clunie Sr., Mount Vernon, N.Y.