Now that 2015 is in the rear-view mirror, let’s take a look at some of the factors that influenced markets last year.  Though markets closed essentially flat, it’s important to realize what a small miracle that is given the many challenges that markets faced in 2015.  For the year, the S&P 500 lost 0.73%, the Dow lost 2.23%, and the NASDAQ gained 5.73%.

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