2015 is shaping up to be better for investors than firms like Goldman Sachs have forecasted. In an article from CNBC, strategist David Kostin explains why equity returns may exceed expectations. One major factor to consider for 2015 is this year’s drop in oil prices. Since 2010, U.S. shale oil producers have completed an estimated 20,000 wells. In boosting our oil output by nearly a third, the world has gone from an oil shortage to an oil surplus. The nearly 40% plunge in the price of oil should act like a shot of adrenaline to the world economy. But, will it? The Economist magazine offers a thoughtful analysis. People who are concerned about malware on their computers are cheering the release of a free new program called Detekt. For Windows users, it promises a way to detect spyware and reduce email interception. Bloomberg Businessweek provides an overview of the new software.

Goldman: Why 2015 Could Be Better Than We Think– Goldman Sachs already appears to be having second thoughts on its tepid forecast for 2015. The firm’s clients believe Goldman is overestimating how much interest rates will rise in the years ahead. Here is what strategist David Kostin has to say about his recent meetings with market pros. Read more…

How The Economics Of Oil Have Changed– In its charter, OPEC states its purpose of trying to stabilize the price of oil. The organization seems to be doing very little, however, as the price of oil plunges due to America’s increased production from shale formations. In fact, OPEC seems to be counting on the market to force out high-cost producers. This has consequences worldwide. Read more…

How To Detect Spyware– A free program developed by security researcher Claudio Guarnieri has just been released by advocacy groups Amnesty International, Digitale Gesellschaft, the Electronic Frontier Foundation and Privacy International. Named Detekt, it can find spyware on computers running Windows and is designed to find malicious programs that can turn on webcams, track keystrokes and intercept e-mail. Read more…

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John R. Day, Bill Ennis, Stephanie Davidson and Matt Heller

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