Sandra nicole. The bells are ringing on wall street. Lets look how stocks are finishing off the dow off the lows of the session. Down 51 points for the day. S p 500, which had been at five years highs. It is at 1461, down five points on the day. Techheavy nasdaq down three points the record winning russell 2000 late, fell 4 points. Ashley we cut that in half almost. Despite a small move to the upside by oil today. Called it a pop of 10 cents, energy bear, efy, outperforming today the leveraged etf makes a triple bearish bet on energy market, a trifecta if you like. Sandra a new report out from fannie mae giving a lift to two housingrelated plays, sill yo and trillo. 40 of the people think home prices will go up in the new year. Earnings season about to kick off. We have an analyst from Thomson Reuters with three stocks, he said, ashley will beat. He has three stocks that he thinks will beat earnings estimates. They may surprise you. Ashley get a pen and paper. Write them down. The College Bowl Season reaching its pique as noter peak as notre dame takes on alabama. Would that be better or worse for business though . Well investigate. Sandra we certainly will. First well take, tell you what drove the markets today with todays data download. Stocks falling with all three major averages closing lower as investors get ready for tomorrows start of Fourth Quarter earnings season, everybody. S p index retreating from a fiveyear high to end in the red. Utilities and energy was the days worstperforming sectors. Gold falling for the Third Straight session on speculation the Federal Reserve may end quantitative easing easing or money printing. The precious metal falling 2. 60 an ounce. That brings the loss 2. 5 over the past three trading sessions. Watching corn prices. Corn rising from a 6month low and soybeans gaining most in two weeks. U. S. Supply fell to the lowest level in nine years. Corn has dropped 20 since reaching a record in august. Soybeans are down 24 since its alltime high in september. Remember that, ashley . Ashley i do. Sandra historic grain prices. Ashley we were talking about that a lot. We have larry levin from pits of the cme. We have bob phillips, Spectrum ManagementGroup Managing partner. Go to the cme and larry. Larian interesting day when you think about markets last week. Fairly low volume today. What was going on . Certainly i couldnt agree with you. A little bit of a technical trade, ashley. Traders were watching 1450 in the s p futures. That was basically the low of the day. Held that level. Recovered a little bit. Were still down 50 points on the dow and four or five points on s p. They pulled off lows of a little bit of recovery. While we didnt finish real strong we finished closer to the highs than lows and that will give trade arrest little pep going into earnings. Watching for earnings tomorrow come out tomorrow and over this week. 1450 at s p is not a bad level to be at. Sandra larry, it is corporate earnings season. Everybody is talking about alcoa kicking off tomorrow, wells fargo on friday. Seems a bit of a concern as we head into the big reports coming out. Are you getting a sense traders are concerned about the Fourth Quarter . I would have taken today as good indicator if we sell off, got below the 1450. Down 100 points on the dow instead of 50 or so and recovered most of this afternoon. I think traders are ready for some maybe decent numbers. That can boost market a little bit. I would have thought today we would be down a lot more and giving back a lot of gains. We havent really done that. Traders are getting a positive idea what were seeing with earnings numbers. Ashley larry, i heard arguments on both sides. Do you think stocks are fundamentally wellpriced right now . I do think they are wellpriced because unfortunately our government is always going to step in and backstop whatever situation we have. Weve seen that obviously for many, many years. Because of that traders know you can be safely long these markets because if something bad happens our government will step in. That is not a good thing. That is not what the traders like as far as free markets are concerned but that is still the reality down here. Sandra thank you for joining us from the floor, larry. Well see you again when the s p 500 futures pits close in just a few minutes. Lets bring in our market panel. Tony and bob. Tony, i want to start with you, because you are a bull on the u. S. Markets right now however you feel pretty good about the eurozone as well as japan. While youre saying buy here at home youre also very bullish overseas. How does one play that in their portfolio . To play that in your portfolio you have to take into consideration who were working with. Were working with entrepreneurs that have exited their business or getting ready to. They are successful people. They dont need to hit home runs but they dont need to strike out right now. Right now were overweight japan. Were overweight the eurozone, high yield Corporate Bond and emerging markets. Were underweight u. S. Treasurys and Investment GradeCorporate Bonds. And right now weve shifted from overweight to neutral for u. S. Equities and were shifting those assets more into the, overweight areas that i just mentioned. Ashley all right. On the other side of this equation, bob, youre some what are of a cautious bear. Lets put it that way. What are you most worried about in the new year . When you look at what is driving markets, no question there is upward trend has developed and we think will continue but all based upon the fed creating liquidity of the as long as the fed is buying 100 billion a month of mortgagebacked securities and treasurys and putting on that liquidity in the market it has to find a place to go and we think for now it will be into the equity markets. There was a slight increase in the 10yearyearold yesterday. There is possibility also you could have machine any that is flowed heavily into bond last three years move back to the equity side of the market. It is not driven by what we believe are strong fundamentals. An histories are expecting earnings for the s p in 2013 to be up 14 . And we have to question where that sales will come from to generate that kind of positive upward movement. When you look at fundamental evaluations, youre a little bit stretched. Sandra you know, bob, one thing i always like to ask people that are bearish right now in the overall market it is still your job to put money to work and do something with that money. I understand you are bullish on some u. S. Equities. What are they . Well i think you look for where the trends are. Certainly health care is a place that is defensive and strong trend there. There are Companies Like cerner that we are recommending right now and having client portfolios. And its, Electronic MedicalRecords Company and thats been a strong push by the u. S. Government, putting out big monetary incentives for hospitals and medical practices to implement these record and theyre putting in place also a lot of penalties if they dont, if the companies and hospitals dont make those did lines. And cerner has got a twoyear backlog basically already in place and continues to grow. We think places like that where there is positive trends that are driven by known government, i guess imposed policies or are pretty good places to invest. Ashley tony, let me, i was intrigued by what you said. You mentioned japan and the eurozone as two potential areas youre interested in. Why, and how do you play them as an investor . Well right now we like the eurozone. Theyre more on a bottoming process right now where u. S. Equities are more on a topping process. So fez is great way to play this. It has a nice 3 yield. Draghi came out and said he would do anything he can do to make sure this plan doesnt fail. Theyre going to go continue to buy debt until the problem is solved. Ashley yeah. The japan, theyre rolling out a quantitative easing package that is very similar to, maybe even a little more aggressive than the United States. They will try to devalue the yen and so that you can see an appreciation in japan market. Here in the United States we always said, dent fight the fed. In japan, dont fight the bank of japan. Sandra and i think you could say we still have a big fight to fight right here at hole and that is the debt ceiling as we enter into this new year. Tony, is that going to play a part, will that maybe prevent you from being more bullish in this environment because there is still so much uncertainty . You know what . I think politicians are starting to realize they cant play this jousting match they have been having with the last debt ceiling, the fiscal cliff which is behind us temporarily. So i think when they come to the table with a solution, the markets are going to rally just like they have in the past. I think theyre going to come up with a solution but until there is a solution, until there is something, i think well see some volatility. But i really think they will come to the table with a good, solid solution. It will give republicans a chance to put their foot down on some of these, on some of this public spending. And it is going to be positive for the investor. Ashley bob, let me finish with you. You like emerging markets. People say that a but which market in particular are you particularly hot on right now . Well, actually we think china is poised to begin growing faster than expected again. Pmis came out last month and theyre above 50 again and i think they have been that way for three months in a row. So theres been a lot of concern about a hard landing in china. We think it is probably more soft than hard. That will drive pacific countries to faster growth than people are currently epaing. Ashley very food. Thank you so much. We thank you tony and bob, thanks for being on our panel today. We appreciate it. Thank you. Sandra thanks, gentlemen. Big banks reaching a settlement and paying big bucks. Well are talking billions for the way some mortgages were handled. Weve got details next. Ashley europe, seems to be on the mend. Coming up the ceo of ever more Global Advisors will tell us how to invest in what he calls the opportunity of a generation. Hes joining us with picks you can not afford to miss. Keep it right here on fox business. [ indistinct shouting ] [ indistinct shouting ] [ male announcer ] time and sales data. Splitsecond stats. [ indistinct shouting ] its so close to the options floor. [ indistinct shouting, bell dinging ]. Youll bust your brain box. All onhinkorswim from td ameritrade. [ male announcer ] how do you ake 70,000 trades a second. Reach one customer at a time . Or help doctors turn billions of bytes of shared information. Into a fifth anniversary of remission . Whatever your business challenge, dell has the technology and services to help you solve it. I honestly loved smoking, and i honestly didnt think i would ever quit. [ male announcer ] along with support, chantix is proven to help people quit smoking. It redus the urge to smoke. It put me at ease that you could smoke on the first week. [ male announcer ] some people had changes in behavior, thinking or mood, hostility, agitation, depressed mood and suicidal thoughts or actions while taking or after stopping chantix. If you notice any of these stop taking chantix and call your doctor right away. Tell your doctor about any history of depression or other Mental Health problems, which could get worse while taking chantix. Dont take chantix if youve had a serious allergic or skin reaction to it. If you develop these stop taking chantix and see your doctor right away as some can be lifethreatening. If you have a history heart or blood vsel problems, tell your doctor if you have new or worse symptoms. Get medical help right away if you have symptoms of a heart attack. Use caution when driving or operating machinery. Common side effects include nausea, trouble sleeping and unusual dreams. With chantix and with the support system it worked. It worked for me. [ male announcer ] ask your doctor if chantix is right for you. Ashley shares of nvidia closing in the red. Lets head down to nicole on the floor of the nyse. Nicole. This is interesting for the hardcore gamers here. Take a look how n video is nvidia is faring at the closing bell. It is under pressure. That is one of the reasons they entered into the handheld console market and there are concerns about whether or not the costs will be too high for them and competition stiff from nintendo and sony. So that has been the talk overall, big picture, whether or not they can actually compete with the hardcore gamers with the handheld console. So well continue to follow nvidia, but for today. Saw it down about 38 cents underpressure on a market that managed to come back. But obviously gaining is a very competitive type of market and nvidia is ready to get in there but the costs are going to be tough. Ashley like the games themselves, win or lose. Nicole, thank you so etch. Appreciate it. Sandra two seconds away from the close of trading at s p 500 futures pit in chicago. Lets go straight to larry levin. How are we closing, larry . Were certainly well off the highs and well off the lows t will be all about earnings next few days. Traders watch that closely. If we get good earnings. Market will push higher. Sandra thanks, larry. Ashley lets get to the big story. A group of nations major banks reached an 8. 5 billion agreement with Bank Regulators to settle federal complaints they wrongfully foreclosed on homeowners who should have been allowed to stay in their homes. Sandra fox businesss adam shapiro joins us with the details. Adam. Sandra, we remember the stories about thousands of men and women in armed services, roughly 4,000, because theyre illegally foreclosed upon, not allowed to do that while serving overseas, those are 4. 4 million homeowners the oce and they said was part of the robo excuse scandals and robosigning and fraudulent foreclosures. Part of this 8. 5 billion will be paid. Roughly 3. 3 billion directly to homeowners eligible. That is the 4. 4 million eligible. Here is what the oce is saying in the statement. They will receive compensation whether or not they filed a request for review form and borrowers do not need further action for the settlement. Could be as high as 125,000. Do not held your breath. Oce says 10 will qualify for any money. If you do 10 , roughly 8500. 10 of the 4. 4 billion. That 125,000 cobe easily broken. The settlement is raising eyebrows from advocates who are saying, here is a quote, cap on Cash Payments is wholly inadequate in light scale of harm. This is from the National Fair housing assoccation. If they say reviews were done right the first time banks would have been on the hook to pay far more to homeowners. This is now done for the banks. They can move on and put this nightmare behind them because it has tied up the system but for the homeowners who were illegally foreclosed upon, subjects of robosigning and fraudulent foreclosure 500. Have a good day. Ashley 8500. Ashley canned homeowners separately file suit and get moore money back. Hire a lawyer with that 8500. You can sue. It is a key point youre making. The settlement does allow individual homeowners to consider and continue their separate legal fights in court against the banks. Sandra you have to think some lawyers will step in on this one. You think . Ashley come on down. Sandra you take a big risk putting only 8500 bugs you got towards a lawyer. If you get 8100. Could be a couple hundred. Ashley spend 100 grand to get your 800 back. Sandra thank you, adam so much. Ashley is europes economy gaining strength . We hear it all the time. Ever more advisors thinks so and this is creating a once in a Generation Opportunity for investors to jump in. Thats great but where . Well ask him next. Sandra what opportunities will earnings season bring . We have an analyst ready to share a few surprises so you can prepare your portfolio. Keep it here on fox business she knows you like no one else. And you wouldnt have it any other way. 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Thank you. Ashley im interested about this because i dont really know whats changed in europe . Theyre still having to deal with these very, very difficult austerity measures but at the same time how do you get growth . That is the conundrum. Why do you like europe now . I like it now because other people dont like it. The reality is when others are still nervous, still not sure if they should get back into those markets and because of the Crisis Companies are taking advantage in such a way theyre restructuring. Theyre tr