Two tickers sum it up, DMM and UMM.  These wonderful new funds from Macroshares allow you to bet on the direction of the housing market.  I honestly have no idea how these even work but just the idea of betting on the housing market as if you were at a casino seems ridiculous to me.  I suppose the pundits will say that it allows you to protect yourself from a housing decline by hedging your house.  Maybe you can buy options on these bad boys and lever up.  Yeah, there we go, that’s a good idea.