At this moment of the year, when you are flipping through the news online or offline, I am sure you will chance upon a couple of yearly recap of 2014 (you can even do your own personal recap via Social Media like Facebook, but that's besides the point) and the forecast/prediction of 2015, from pros, or semi-pros or just anyone else. Top 10 Stocks to invest in 2015! 2015 Market Forecast etc...etc... Of course, it is not that they are all bad, some did come out with very convincing facts/estimates. Having said that, they key here is that NO ONE can predict the future, and I really meant it, to reiterate here : NO ONE! So, we should all read such prediction/forecast with a pinch of salt and DYODD (Do Your Own Due Diligence). As I read many personal finance bloggers keep emphasizing this term and hence thinking of repeating here once more : ......