What does it mean for Citigroup to be at $3? As it turns out, it distorts the information we think we are getting from the Dow Jones Industrial Index. And more TARP money is surely in our future, and far more than anyone in authority is now suggesting. This week's letter will cover both topics and a little more. I think you will find it interesting.

Before we get into the letter, just two quick housekeeping items. First, I spend most of my week researching and writing. Part of that process is the ability to call friends and esteemed colleagues to discuss our different points of view about the present markets and economy. I have offered, for the first time, exclusive access for my readers to listen in on those conversations. The first "Conversation" will be with Dr. Lacy Hunt and Ed Easterling next Tuesday, and we will have it ready for subscribers to my new service shortly thereafter. This new subscription service will allow you to listen in on Conversations with me and my friends about the most critical financial and economic topics of the day.

If you ever wanted to be "at the table" when I get to have wide-ranging talks with some of the top economists and investment experts (to be determined, based on where the market takes us, week to week) this is the next best thing. You can still subscribe for one more week at the pre-launch half-off price of just $99! This is going to be a very powerful, information-packed 45 minutes to an hour where we will weigh in with lively debate and ideas. You will be able to listen online, download to your iPod, or read a transcript. To learn more, just click on https://www.johnmauldin.com/newsletters2.html, click the Subscribe button, and type in the code "JM33" at the end of the registration process to get your 50% discount. And read about the bonuses we will offer as well! My staff and Tiffani (partner and daughter) have made me promise this offer will not extend past next week. Don't procrastinate.