I posted oil at $30/bl by Dec (missed it by a few weeks) last April. Collapse or natural consequences of QE hangover together with the end of Baby a Boomers spending. Frackers in debt will default first, then their banks, then the real real estate crash and more banks. China is the Canary in the worldwide crash coal mine. I sold everything including non-essential real estate and a few penny stocks 6 months ago. Read Harry Dent. It might save you some pain. GLTA