The latest narrative coming from the market predictors is that lower oil price will produce a recession since people will have more money in their pockets to spend /save.  This is just a philosophic disagreement I have with the trend of the article.  However, I agree that a large double digit return for the year would be more unexpected than expected.  Put me down for a 9% S&P return for 2015, which places me at the middle of the pack.  I just see some unexpected event occurring that we have not predicted which will bring the overall market lower by the end of the year.  Read the article to gain the insights and rational of each investment group.  Let see where you stand with your predictions at year end.

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Gary Kapanowski – Lean Six Sigma Master Black Belt – Excelsior

The following blog is the opinion of Gary Kapanowski and  It is the sole intent to broadcast this opinion from Gary Kapanowski and exclusively and not to reflect on any other institutions or organizations associated with Gary Kapanowski or

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