Oil prices and you
Some tools you may like to have, and some facts that will amaze

Oil prices continue to slide … is there more to it than shale?
With the shale oil boom in the US, Saudi’s keeping the taps running, and global economy still sluggish, prices continue to plummet. Oil sinks below $59 after IEA cuts demand outlook
This one is intense, but interesting now to see what happens, since prices hit $59 overnight. Deutsche Bank predicting a broad high yield default cycle from plunging oil prices. The astounding thing to me, the assertion that there is a “widely documented “secret” deal by Obama/Kerry with the Saudis to crush Russia with low, low oil prices.” If WTI Drops To $60, It Will “Trigger A Broader HY Market Default Cycle”, Says Deutsche
Oil prices have meaningful impacts on petro-fueled economies. Impact of Oil Price Drop on Producer Nation Deficits
Jennifer Ponce de Leon at Columbia thinks it produces investment opportunities Oil and the High Yield Market

Let’s get back to your retirement planning:
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First, some follow-up on the Tony Robbins controversy, Tony takes to ThinkAdvisor to defend himself. Tony Robbins slams critics, says he’s not a financial advisor
An age old lesson for my retirement focused readers: beware fees … and in this case taxes. With Market Timing, Even if You Win, You Lose
If you insist on playing the market, though, there’s an even cheaper way to do it now. The Robinhood app for your phone allows you to trade for free, that beats even E-Trade or any of the other low cost options. Robinhood Launches Zero-fee Stock Trading App
Way more intense than usual this week, so let’s lighten things up now:
Save even more money on your holiday shopping. 5 Super Secrets that Will Forever Change the Way you Shop at Costco
Make it difficult to track your digital footprint. Opt out of global data surveillance programs like PRISM, XKeyscore and Tempora
I am amazed by this one, how about you? By the numbers: Half the senators who voted for PPACA will be gone in 2015
Finally, one very silly thing to lead you into the weekend: 16 Ridiculous but True Facts That Will Make People Think You’re a Liar