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I laugh at the last comment about choosing 1 of four master level spells. I hit 14 today, and I have no idea what these spell choices are. Guess I have to do some searching around for them.
You need only look as far as your knowledge book, (K key). The four spells you are offered at lvl 14, (and every 10 levels thereafter), are simply major upgrades to 4 of the spells you already have. Easiest way to choose is to sit down somewhere safe, open up your knowledge book and right click --> examine the 4 spells.
Then just pick the one you use the most often. Don't worry about which ones will get replaced... they all will! What you're looking for at this level is the spell that will give you the most bang for your buck and right now that would be the spell you use most often.
If you want to compare the version you have with the upgrade, open the list you are going to pick from (it's in the glowing green + sign), right click on the one(s) you want to examine and choose examine. With 2 windows open side by side, you can compare stats between the version you have and the upgrade.
In case of a tie... flip a coin !!!