gary k, bull or bear?> how can that go on up in a depression, i don't like it, a weak stock, i go elsewhere. >> brenda: jonas your prediction. >> the u.k. is in a recession and america underwelcoming jobs, and it's still good for u.s. stock and up 50% in a year. >> brenda: john pull or bear. >> i don't like it, a bear on vanguard. >> brenda: gary k your prediction. >> housing stocks amazingly are very strong, lennar 25% in the next six months and sales are start to go grow for the whole group. >> brenda: all right. toby. >> big move, great call six months ago. now, look all of the people are worried about apple. tell you a couple of things, number one, there are big, big issues coming out with new 5 and going to do well. on the pull boyton beachiacks a you're missed the apple train. >> brenda: you've made a lot on apple. >> thank you very much. >> and not a thousand bucks in a year now. >> brenda: john, a bull or bear on apple. >> i'm very bullish on apple. >> brenda: and gary k you own it. >> i own it so

k). so who's in control now, mayans? >> predictions, gary up. >> google takes advantage of the yahoo! troubles, i think the stock is up 15%. >> jonas, bull or bear. >> more the market value of yahoo!. >> brenda: your prediction? >> delta takes an unusual thought of oil refinery. and s & p is a better way. >> brenda: gary b, bull or bear on that. >> bear, it's sliding a bit. let it slide more. >> brenda: toby, your predictions. >> in the masters, rory mcilroy is-- >> bull or bear. >> i like fed ex. >> brenda: what's your prediction. >> i like kraft, the maker of the cadbury cream eggs, delicious. >> brenda: we love them. toby, what do you think. >> it's all about the pez, man. all about the pez right here. here is warren the pez man. >> brenda: i love that. and we wish you all a very, very happy holiday, neil is next.

k). so who's in control now, mayans? >>> all right. this is gary.k at where we are closing today. the dow looks like it's basically going to be up 110 points. thea that's off the highs of the day. i have an assistant here. this is josh. >> we sell programs. >> at the end of the day? >> yes. >> we have sells and balances. dow is up 110 points. nasdaq basically flows up 19 off the highs of the day. let's bring back in bank of america, mirl lynch. we have to compete with this. let's take a look at the s&p 500. >> sure. >> we are in a secular bull market with the nasdaq. i want to know about the s&p 500. what does a chart tell us about the s&p 500 when you talk about moving averages? >> well, i'm not surprised that they came in because we hit the figure of 1400. we would expect some kind of resistance within the market. the question is, can we get above the recent high of around 1422. >> you know, i always want to ask a technical analyst, do you pay any attention at all, do you ever read any of the fundamentals? >> quantatative. i look at some quantitat

. >> gary, your question comes from new jersey. i've got a 401(kr into an ira. would a variable or fixed index annuity be safer? >> i think none of the above is the choice. basically annuities are not a great deal generally speaking. the expenses are incredibly high. the investment selection isn't that great. if you were forced to pick between variable and fixed, fixed obviously is fixed, so it tends not to go down, but rarely would i ever buy an annuity, particularly in an ira account. so that's really -- i'd avoid those. >> not either of the two options. thank you very much, appreciate it. this is $100,000. we asked total strangers to watch it for us. thank you so much, i appreciate it, i'll be right back. they didn't take a dime. how much in fees does your bank take to watch your money ? if your bank takes more money than a stranger, you need an ally. ally bank. no nonsense. just people sense. >>> from stepping out for a smoke to an afternoon snack, bad habits can change the shape of our lives. now, the author of a best selling new book says he

gary, your question comes from emilio in california. i plan to contribute $17,000 to my 401(k).me mom. can i contribute $17,000 to her 401(k) as well? >> unfortunately, if she's not working she can't contribute to a 401(k). but there are other opportunities. it's great that you want to contribute as much as possible. they might be able to contribute to a deductible ira if their income is sufficiently low. otherwise, look at a roth ira which is a way to save for the future. well, while it's not deductible it grows tax flree for the rest of your life. it's great for people below age 100. you have decades of tax free growth and alternatively, you can make a nondeductible ira contribution. if the person has debt, that's where it should be going. particularly if it's credit card debt. but it's great you're focusing on savings. that's the way to go. >> thanks, guys. if you have any questions you want answered, send us an e-mail any time. this is $100,000. we asked total strangers to watch it for us. thank you so much, i appreciate it, i'll be right back. they didn't take a dime. how m