The fed will not end zero interest rates no matter how many times they say that they will raise them in the months ahead...go back to 2008 and recall how many times they were going to raise rates in the months ahead, they must have said it a dozen times or more, never happened, that is your answer to the rate hikes you think you are going to see in 2015....zero rate hikes and more trillions to keep the economy and wallstreet propped up.