The beginning of the a new year is a time for all (really anybody) Wall Street pundits to make their year end predictions. I have come across many articles over the last several days predicting where the S&P 500 will be and where oil will be and where gold will be and where interest rates will be by year end. Two predictions in particular that I came across were the following:
“We expect a bear market rally to develop over the coming weeks, and we expect a new bull market to develop over the coming months to quarters,” said Ari Wald,


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