David Newman says we may be approaching the bottom of the real-estate slump. High levels of uncertainty remain. But when the market does turn, it will create huge opportunities for investors.

As stocks yo-yo up and down, investors are increasingly looking to find a source of steady and reliable income. David Newman at The Sovereign Society says structured investment products are a great way of making solid returns without the downside risk of stocks. Structured investment products offer guaranteed cash dividends - even when the underlying stocks go nowhere.

The FDIC is beefing up its staff in anticipation of more bank failures, reports The Dallas Morning News today. This doesn’t bode well for the insurer, says in David Newman in The Sovereign Society. The problem is the FDIC is running our of cash to fulfill its obligation to insure deposits…

The big debate on “The Street,” (besides whether we’re really in a bear market or not) is will the next move be bullish or bearish? And my answer is “Yes, the next move will be bullish and bearish.” (I know what you’re thinking: “Great, David…that’s a lot of help!”)

Stricken twin mortgage giants Fannie Mae (FNM) and Freddie Mac (FRE) are making a surprise rally. Fannie added 19% to $10.93, after rising 31% yesterday. climbed 21% to $8.33 after a 30% gain yesterday.

So were rumors of their death really exaggerated? David Newman thinks not. Forget them, they’re as good as done.

How should you protect your investments? First off, don’t listen to Ben Bernanke or Hank Paulson – when their lips move they’re lying. Secondly, don’t listen to the talking heads on TV. Finally, diversify. If all your investments are in stocks and bonds, get a few fingers in the precious metals ‘pie’ too.