Oil prices have dropped roughly 22.55% since their peak in April, spurning the idea that the global oil supply is weakening as a result of a combination of a lack of demand from China and an excess in production, according to experts.

Goals. When it comes to the end of the year, we start with all sorts of goal-based ideas for what we want to do. New Years Resolutions abound and usually they are based in some self-improvement desire. We want to improve our health, we want to improve our social life, we want to improve our organization to better our lives. Some important things that we often forget to organize, or tend to put off, are our financial goals. Having a step-by-step process can make it easier to get those financial goals lined up and give us a good sense of what needs to get done to realize those goals.