This week, we offer what you need to know to get to your retirement
money early. We also discuss adding real estate bargains to your
portfolio. Plus, featured reports on a top-rated growth fund and a
commercial real estate trust.

Also, Multex Investor director of investment research Marc Gerstein
explains the performance of an under-appreciated stock screen, and
Ben Macklin, senior analyst at eMarketer, describes the new digital
divide.

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Below
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- Investment ideas
- Personal finance
- Mutual funds
- Online advice and chats
- Free and sponsored reports


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

1. INVESTING STRATEGIES
Institutional ownership
This screen always seemed good in principle, and it's looking good
in fact

By Marc Gerstein, director of investment research

The real mystery here is why the screen struggled in the past. Its
parameters seem logical enough. The primary theme is that the stock
be under-owned by institutions (a percentage ownership that is lower
than the industry average percent), yet not hopelessly obscure
(coverage by at least two analysts is required as is a minimal
institutional ownership threshold of 10 percent) and a trend toward
improving ownership by the big guys. These primary trends are supported
by tests requiring a decline in short interest, insider buying, and
strong recent relative share price performance.

Click here to read more
http://www.multexinvestor.com/article.asp?docid=6041&nd=0119


2. INVESTMENT IDEAS
The new digital divide
Most Americans are now online, but they are still
divided by speed

By Ben Macklin, senior analyst, eMarketer

The famed FBI criminal profiling unit would have its work cut out if was
on the lookout for a criminal today whose only known characteristic was
that he is a regular US Internet user. With the widespread adoption of the
Internet in the US, the demographic characteristics of the average US
Internet user today so closely match those of the wider population that
there are very few distinguishing features between the two.

Click here to read more
http://www.multexinvestor.com/article.asp?docid=6097&nd=0119


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Broker and third-party reports
-----------------------------------------

TODAY'S SPECIAL REPORT
Mutual Fund Prospector: The Elephant

Where is the market going? Up? Down? Ask four different financial experts
what they think and you may get four different answers, but whose perception
is likely to be right? Understanding the economy is a complex undertaking.
(1-page report, $2)
http://www.multexinvestor.com/download.asp?docid=26014433&nd=0119


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

1. Investment Planning on MultexPF
Accessing your funds for early retirement

You've worked hard all your life and you are well situated to retire early.
Congratulations! Now you need to know the right way to get to your nest egg
without incurring the wrath of the IRS.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/investing/item&ForumID=20&DocID=6095&nd=0119


2. Insurance on MultexPF
Multex case study: Considering life insurance needs

Most of us acknowledge a need for life insurance, but determining how much
is appropriate and whether to buy term or permanent insurance can be tricky.
Here's how one family determined their needs.
http://www.multexinvestor.com/page.asp?target=%2Fpersonalfinance%2Finsurance%2Fbuzzdocument%3A25%3A181


3. Mortgage on MultexPF
Bargain-basement real estate

Looking to diversify into real estate? Thousands of parcels of property end
up in foreclosure every year. Finding and buying these properties isn't easy,
but it's possible to get great deals this way.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/mortgages/item&ForumID=22&DocID=6071&nd=0119




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

MUTUAL FUNDS
Commentary: Index funds make sense

Proponents of actively managed funds have always suggested they were a better
option during bear markets, but are they? Our own commentator, Merritt Cowart,
suggests that index funds still offer the edge.
http://www.multexinvestor.com/FundWatch/Article.asp?target=%2Ffunds%2Ffundwatch%2Farticle&Type=CloserLook&DocID=6066

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To be sure you receive your TTA newsletter every week, click here:
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Online advice and chats
-----------------------------------------

1. ASK THE ANALYST
PowerOptionsPlus.com's Victor Schiller discusses how to insure your
equity investments.

Schiller explains how option collars provide downside protection on
stock purchases. Most individuals wouldn't drive without auto insurance-
-can you afford to invest without stock insurance? Ask him questions on
this subject until Mon., Jan. 21.
http://www.multexinvestor.com/AskTheAnalystForm.asp?&nd=0119

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2. ASK THE EXPERT
Multex.com's Alan Cohn explains some of the ways
Americans will benefit from new tax laws.

Citing aspects of new tax rules relating to individuals
over 50, education, and estate taxes, Cohn shows how
a wide range of citizens will benefit. How do the new
laws affect you? He can take your questions until
Thurs., Jan. 24. Ask the expert.
http://www.multexinvestor.com/AskTheExpertForm.asp?&nd=0119


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

1. DAILY FREE SPONSOR REPORT
Morgan Stanley rates Kimco Realty (KIM) an "outperform."

Kimco Realty is a real estate trust that manages shopping center
properties throughout the United States. Find out why this analyst
is so bullish on the fund. Sign up for the free
Morgan Stanley research trial to access the report.
http://www.multexinvestor.com/download.asp?docid=21748645&sid=8&nd=0119


2. FREE REPORTS LIST
This week, you can download free reports on telecom, bank, storage,
utility, and pharmaceutical stocks.
http://www.multexinvestor.com/freereports.asp?&nd=0119


3. FREE RESEARCH REPORT
Value Line Report: Oakmark Select (OAKLX)
Oakmark Select (OAKLX) bucks the downward trend for growth funds

What can we say when we find a growth fund that has managed to not
only beat its peers for the last five years, but is turning in
impressive, double-digit returns despite a bear
market? We say check it out. This report free for a limited time.
http://www.multexinvestor.com/download.asp?docid=1315265&nd=0119

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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:
http://www.thetelecommanalyst.com/ or
http://www.theinternetanalyst.com/