分析師和專家們給出了他們的觀點

????去年這個時候，投資者和房屋所有人也在遙望著2011年。當時，我們中的很多人希望別再是糟糕的一年——希望房價能反彈（哪怕只是溫和回升），希望油價不要再侵吞我們的收入，希望經濟前景的不確定性不要再傷及我們與股市相關的投資和退休基金。

????不消說，結果2011年有喜有憂。房價沒有反彈，但銷售數據有改善的跡象，同時租賃市場表現強勁。歐洲債務危機仍然還在沖擊全球市場，投資者紛紛轉向更安全的投資。那么，2012年會有什么不同呢？

????房子、股票、黃金和石油，我們是該看漲，還是看跌呢？請繼續往下看，相信各位自己信中都有一本帳。

Analysts and experts give their take

????Around this time last year, investors and homeowners wondered what to expect in 2011. Many of us had hoped we wouldn't merely slog through another year -- that home prices would rebound (if only modestly); that gas prices wouldn't eat away at our paychecks; that uncertainties in the economy would spare our investments and retirement funds tied to the stock market.

????Needless to say, 2011 ended with mixed results. Home prices didn't rebound, but sales showed signs of improvement and the rental market was strong. Europe's ongoing debt crisis rattled markets worldwide, leaving investors scurrying for safer investments. So will 2012 be any different?

????Should we be bullish or bearish on housing, the stock market, gold and oil? Read on and decide for yourself.