Your money in the year 2006.Is this the time to get that great new job? Is this the time to sell or to buy a new home? Well our financial contributor Mellody Hobson has canvassed all the expert including herself and she's got some answers this morning, Mellody, Good morning, Happy New Year to you. Mellody Hobson: Good morning. All right, houses. Is it the time to buy a house? Is it the time to sell a house? What's happening out there? Well, actually, housing it looks like it's going to be a bust in 2006.The National Association of Realtors just announce that housing sales for the month of November were down 1.7%.That's the second month in a row. And yet prices are still really high, in fact, in 65 of the biggest markets, the markets are not just overpriced, they are extremely overpriced and headed for a correction or a drop in prices. And it's important to know that mortgage rates have been up, so that's one of the big reasons that it's slowing down buying and it's been up, those rates have been up all year. And on top of that the other big indicator that we saw last week - mortgage applications are down. Actually last week mortgage applications hit a three and-a half-year low. So what does all this mean? Nat, nat!( it means not.) If you are a buyer, I think you are going to find some bargains out there. And in fact, the president of the National Association of Realtors said yesterday that he expects 2006 to be a buyer's market. I love someone, first of all, who 'd say, nat nat and really no one means it.