The best time to get back in the silver market is this past Friday. Silver will go back up to 2012 highs. Buy stock market on dips. I do not recommend having stock without some silver and or gold and I prefer silver over gold. I do believe CIM will recover- a dividend of $.11 was declared. IVR, AGNC and CIM have very good ratings. FNMA and FMCC will also recover to $1 range this year. They are around $.318 now.