This week we discuss the tricky process of estimating future
value for your investments. We also take a look at insurance needs in
retirement. Featured reports include the January Mutual Fund Prospector
and a high-yield muni fund.

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Also, Multex Investor director of investment research Marc Gerstein
explains why investors should care less about how the broad market is
doing, and more about their individual investment methodology.

Frequent contributor John Filar Atwood discusses the recent launch of
satellite radio services and the prospects for two stocks in the arena.

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Below
---------

- Investment ideas
- Broker reports
- Personal finance
- Monthly matters
- Fund Watch
- Online advice and chats
- Free and sponsored reports


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

1. INVESTMENT IDEAS
Bubble-free bullishness
Has the NASDAQ come too far too fast? Who cares! There are lots of other
great ideas available.

By Marc Gerstein, director of investment research, Multex Investor
Not everybody agrees with my generally bullish views of the stock
market. That, in itself, is not a big deal. Every day there are both buyers
and sellers, so you can never expect to see unanimity of opinion. What is
interesting is the sort of reasoning I often hear from bears. "Look how far
Juniper (or any one of countless other circa 1999 market superstars) has
come. It's way ahead of itself." "There's been so much overbuilding in
telecom, it will take years before supply and demand come back into
balance." Etc.
Such sentiments are fine, and for the most part, I agree with them. The
problem I have is that so many bears seem to confine their discussion to
the same group of stocks that mesmerized so many investors during the
bubble days. That's unfortunate. The same mistake that causes so much
financial pain on the way down seems likely to strike again. The source
of the pain: an inappropriately narrow view of the market that focuses
too much attention on too few stocks that often have too little investment
merit.

Click here for more
http://www.multexinvestor.com/article.asp?docid=5766&nd=0112


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2. INVESTMENT IDEAS
Amid industry funk, satellite radio makes dazzling debut
Analysts expect near-term pullback, but like the segment's
potential

by John Filar Atwood, equity research columnist

Perhaps you missed it. Amid the turmoil and growing economic uncertainty
of late 2001, XM Satellite Radio (XMSR) completed one of the most
successful consumer electronic product launches in years.

The company completed the national rollout of its digital audio radio
service, which delivers digital quality radio to cars via satellite. XMSR now
offers 100 channels coast to coast for a fee of $9.99 per month.

The company launched regionally in September and nationally in
November. By year-end, it had more than 30,000 subscribers. Analysts
agree that this level of success for a discretionary subscription-based
service during a severe economic downturn is exceptional.

Click here for more
http://www.multexinvestor.com/article.asp?docid=5895&nd=0112



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

TODAY'S SPECIAL REPORT
Mutual Fund Prospector: January Issue

This month, the Prospector features its portfolio, which has outperformed
the market for the third year in a row. Also in this issue: performance
tables for over 350 funds, taxing issues, and  "The Trend is Your Friend."
(12 page report, $20)
http://www.multexinvestor.com/download.asp?docid=25935452&nd=0112



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

1. Insurance on MultexPF
Insurance needs during retirement
Your children will probably have left home by the time you reach
retirement age, but there may be other reasons to keep your policies in
force. Find out if they apply to you.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/insurance/item&ForumID=25&DocID=5850&nd=0112


2. Mortgage on MultexPF
Multex case study: Tapping your home for cash
Are you saddled with too much debt from last year?  Perhaps tapping
your home equity is a good solution for you. It might also reduce your
tax bill. This case study explores how one family reached a decision.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/mortgages/item&ForumID=22&DocID=5501&nd=0112



Monthly matters
-----------------------------------------

What rate of return should you use when planning?
The whole point of financial planning is to ensure that you will have
what you need when you need it. In order to do this accurately, you need
a good idea of the anticipated rate of return you should use when
planning.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/monthlymatters/item&ForumID=19&DocID=5612&nd=0112



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

FUND STRATEGIES
The expert speaks: Is the bear market over?
Tony Maramarco, manager of the Babson Value Fund (BVALX),
discusses whether or not the 20 percent rise from the bottom of all three
indices indicates a return to a bull market.
http://www.multexinvestor.com/Funds/Article.asp?Section=fundstrategies&ForumID=60&DocID=5745&nd=0112


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specific research highlights, investment ideas, analyst opinions, portfolio
strategies: http://www.multexinvestor.com/Analysts/HomeTTA.asp

To be sure you receive your TTA newsletter every week, click here:
http://www.multexinvestor.com/login.asp
==============================================================


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

1. ASK THE ANALYST
Schaeffer's Research's Bernie Schaeffer explains why he believes "bull
market talk" is premature.

Noting the inability of the Dow Industrial and S&P 500 indices to break
through their 40-week moving averages, Schaeffer explains why it's too
early to be calling a bull market. Feel free to ask him questions through
Mon., Jan. 14. Ask the analyst.
http://www.multexinvestor.com/AskTheAnalystForm.asp?&nd=0112

 Prepare for the investing week ahead with Bernie's insight to the
hottest sectors and stocks. Sign up below for Bernie's FREE e-weekly
market report, Monday Morning Outlook. Click here
http://www.schaeffersresearch.com/redirect.asp?CODE=GB01A8&PAGE=1


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=0112


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

1. DAILY FREE SPONSOR REPORT
Morgan Stanley rates Van Kampen Strategic Sector Muni Trust (VKS)
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VKS holds a diversified portfolio of high-grade, investment quality muni
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free of federal taxes. Sign up for the free Morgan Stanley research trial
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http://www.multexinvestor.com/download.asp?docid=4380725&sid=8&nd=0112


2. FREE REPORTS LIST
Find free reports on the supply chain, semiconductors, banking and
communications stocks.
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3. FREE RESEARCH REPORT
Data Research Group: Marshall Mid-Cap Value Inv Fund (MRVEX)

MRVEX has managed to soundly beat its peers and the market over the
past year, and in longer time periods as well. It has done so with lower
than average risk. Get the facts on this fund. The report will be free for
a limited time.
http://www.multexinvestor.com/download.asp?docid=1796227&nd=0112


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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/