Gary recently filled up at a gas station in Colorado and took this picture.  The price of a barell of oil has tubmled in the past 6 months, driving down energy costs.  Where does it go from here?  Which parts of the economy does it benefit?  Where does it create challenges?  Click on the link for one viewpoint:

http://www.bidnessetc.com/32562-impact-of-declining-oil-price-on-q4-earnings-for-us-companies/

In a surprise move the Swiss National Bank removed its rate cap on the Swiss Franc.  The effect on markets around the world was largely negative, demonstrating the influence that the central bank of even a relatively small country can have around the world.  Two good articles on the matter:

http://www.bloomberg.com/news/2015-01-15/snb-officials-eating-words-risk-long-lasting-market-indigestion.html

http://www.marketwatch.com/story/us-stocks-rebound-on-tap-as-futures-surge-with-big-bank-earnings-ahead-2015-01-15?dist=lcountdown