Goldman Sachs (GS) said it expects crude oil to trade near $40 a barrel for most of the first half of this year. Liz Miller is the President of Summit Place Financial Advisors and says there are opportunities for investors to profit from low oil prices. Miller says airline stocks and retail fare well in low oil environments. In earnings news, stocks are rising a day after a big sell-off, soothed by upbeat earnings from Apple (AAPL) and Boeing (BA). Despite, the global slowdown and lower oil prices, Apple had the best quarter recorded in the history of publicly traded companies. And it's the demand from China that helped the iPhone maker. The FOMC concludes its meeting today. Miller says the Fed will 'probably still focus on the areas of strength and not that the improving economy will spread to weaker areas.'