Water, water, everywhere! A flood can turn your dream house into 
a nightmare. Dont miss our new article on flood insurance. Plus, 
learn how title insurance helps protect your home, and check out 
our free report on an emerging markets telecom fund. And read 
two articles on value investing and avoiding false signals from 
the market.

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Below
--------

- Investment ideas
- Free and sponsored reports
- Personal finance
- Funds
- Online advice and chats



Investment ideas 
-----------------------------------------


1. INVESTMENT IDEAS
Beware the ghosts of Christmas 2001
Spirits are hanging over the markets, not all of 
which promise happy returns.

By Rick Wayman, CFA

The market will face some difficult challenges during the next two 
quarters, and investors need to be aware of these issues in order to 
invest wisely. So, in the spirit of the coming season, and with 
apologies to Charles Dickens, I would like to introduce you to 
these challenges as the ghosts of Christmas--Version 2001. 

Our main theme is that the economy is not as good as the market 
currently thinks it is, and that earnings will come under increased 
pressure by issues that have not yet appeared on the Streets radar. 
The combination of these forces could depress stocks near-term, 
but could also result in a classic January rally.

Click here to read more
http://www.multexinvestor.com/article.asp?docid=4339&nd=1117



2. INVESTMENT IDEAS
Value without tears
Those who follow our value-oriented screens know that 
value investors don't just wind up buying dogs. 

By Marc Gerstein

All investors risk getting involved with dogs every day. But value 
investors need to be especially sensitive to the matter, since they 
make a regular practice of searching for stocks that look attractive 
based on some simple arithmetic that any investor can do, and on 
answers that anyone can see. If you're searching for value, you 
almost have to presume that anything you uncover is a dog until 
you receive specific evidence showing otherwise.

Click here to read more
http://www.multexinvestor.com/article.asp?docid=4181&nd=1117


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Free and sponsored reports 
-----------------------------------------


1. FREE RESEARCH REPORT 
Research Data Group reports on Copley Fund 
(COPLX)

What can we say? In 10 years, this large-cap value 
fund has never made a distribution despite a turnover of 26 
percent. This low-risk, no-load fund has a great track record for 
surviving bear markets. The report is free for a limited time.
http://www.multexinvestor.com/download.asp?docid=1794167&nd=1117

You can also download a free Morningstar snapshot report for 
COPLX: http://www.multexinvestor.com/ms.asp?CN=MTX482&RequestedTicker=COPLX&target=funds%2Ffundinformation%2Fsnapshot&Ticker=COPLX&.stockORfund=fund



2. FREE REPORTS LIST 
Get the goods gratis: Catch up on the week's 
giveaway research reports.

Semiconductors, defense, and more
http://www.multexinvestor.com/freereports.asp?&nd=1117


3. DAILY FREE SPONSOR REPORT 
Morgan Stanley rates Emerging Markets 
Telecommunications Fund (ETF) a strong buy.

Historically, emerging markets telecom stocks 
outperform the same sector in more developed countries. Is this
a risky play for you? Sign up for the Morgan Stanley free trial to 
access the report.
http://www.multexinvestor.com/download.asp?docid=4366687&sid=8&nd=1117


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Personal finance 
-----------------------------------------


1. Mortgage on MultexPF 
Protecting your right to ownership

Most insurance looks to the future, but title 
insurance looks to the past. A title insurance policy protects 
you against problems that occurred long before you bought 
a home  problems resulting from defects in the title.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/mortgages/item&ForumID=22&DocID=4256&nd=1117


2. Retirement on MultexPF 
Using an annuity to save for retirement

An annuity is something of a cross between a life 
insurance policy and a mutual fund. Some experts hate annuities; 
others love them. Read about the pros and cons of this 
controversial investment vehicle.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/retirement/item&ForumID=20&DocID=4298&nd=1117


3. Insurance on MultexPF 
Flood insurance 

Water, water everywhere! A flood can turn your 
dream home into a nightmare. About 90 percent of all natural 
disasters in the United States involve flooding, yet many people 
aren't covered. Are you?
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/insurance/item&ForumID=25&DocID=4300&nd=1117



Fund watch
-------------------

1. Top 10 tax-efficient funds

According to Ibbotson, more than 2 percent per 
year is lopped off the average mutual fund's performance by 
taxes, but is it possible to reduce this impact? Sure is. 
Check out our picks for the 10 best tax-efficient funds.
http://www.multexinvestor.com/FundWatch/Article.asp?target=/funds/fundwatch/result&Type=CloserLook&DocID=4136


2. Special Reports 
Morningstar 3rd quarter report: T. Rowe Price

The bear market has proven T. Rowe Prices 
strategies of diversification and attention to valuations. Even 
though all its funds lost money in the 3rd quarter, they still 
did better than most. (8-page report, $20)
http://www.multexinvestor.com/download.asp?docid=25212473



Online advice and chats 
-----------------------------------------


1. ASK THE ANALYST 
Schaeffer's Research's Bernie Schaeffer believes recent 
strength is nothing more than a bear rally. 

While impressed with the market's broad move higher since 
Sept. 21, Schaeffer says to keep an eye on the exit door. Why 
does he believe bulls will ultimately succumb to selling pressure? 
He can answer questions until Mon., Nov. 19. Ask the analyst. 
http://www.multexinvestor.com/AskTheAnalystForm.asp?&nd=1117

Can your portfolio be fixed? Discover tactics to help you approach 
your fallen stocks with sensibility and creativity. Sign up now for 
Bernies FREE CyberSeminar - "HOW TO REPAIR BROKEN 
STOCKS". Click here 
http://www.schaeffersresearch.com/redirect.asp?CODE=GB01L8&PAGE=1.



2. ASK THE EXPERT 
American Century Investment's Karen Burnett talks about 
choosing a retirement plan for your business. 

Choosing a retirement plan for your business or yourself is one of 
the most important financial decisions you will make. Karen 
Burnett of American Century Investments will take your questions 
until Thurs., November 29.
http://www.multexinvestor.com/AskTheExpertForm.asp?&nd=1117


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Be sure to check out our other newsletters, The Internet Analyst 
and The Telecomm Analyst by Multex.com. The newsletters will 
inform, educate, and entertain you with usable investment data, 
ideas, experts, and info about the Internet and telecommunications 
sectors. To see this week's issue, 
click here: 
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