This post is one in a series in which more than 60 newsletter advisors share their Top Stock Picks for 2011. This special report is courtesy of TheStockAdvisors.com.

"My favorite speculative stock idea for 2011 is Flagstar Bancorp (FBC), the Troy, Michigan-based bank with 165 branches in Michigan, Indiana, and Georgia," says Mark Skousen.

The editor of The Hedge Fund Trader explains, "The stock was trading for over $140 a share before the financial crisis; the stock fell to $5 a share last May, and it is now under $1.50.

"The credit crisis on Wall Street is headed for Main Street," says Mark Skousen, economist, professor, financial author and investment advisor.

In his The Hedge Fund Trader, he explains, "This means business is likely to jump at the nation's pawnbrokers." Here, he looks at EZCorp (NASDAQ: EZPW).

"Both the economy and the financial markets need consumer confidence for things to go smoothly. That is sorely lacking right now. As a result, I'm expecting a bumpy ride during the next few quarters.

"Predictably, low-income earners and middle-class individuals will be particularly hard hit by the downturn. That means business is likely to jump at the nation's pawnbrokers.

"So now is an excellent time to pick up a few shares of EZCorp. Based in Austin, Texas, EZCorp is a leader in the 'specialty consumer finance industry,' better known as pawn broking.