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Gary Shilling on the Housing Market

Prices heading lower

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Home ownership down too

Talking points:

* From ultra loose to ultra tight lending standards.

* Home ownership is not a good deal unless you have rapid appreciation. Otherwise, renting is a better deal.

* People are starting to separate investing from where they live

DailyFinance's Nikhil Hutheesing interviews Gary Shilling, President of A. Gary Shilling & Company, inc.