Mercantile Salon

Have you ever ran around at the last minute, looking for gifts, only to end up buying something you really don’t want at a price that is far more than you intended to spend? Holidays don’t have to be expensive.  You can make gifts, of course, but if you want to buy them, here are a few suggestions for saving money.

1. Make a list.

It’s always convenient to make a list of all the people that you will be giving a gift to. Make sure you know what their interests are so you get a gift that they will appreciate. It will make it special for them and for you.

2. Buy in advance.

Don’t wait until the last minute to go Christmas shopping because you’ll end up paying high prices for stuff you don’t even like. This happens especially with the popular toys each year. If you decide to go a local mall, make sure you do it during the first two weeks of November. You’ll avoid the majority of Christmas shoppers and you are guaranteed to find what you’re looking for at lower prices.

3. Take advantage of online pre-Christmas Sales.

Most stores offer deep online discounts (up to 70%) on toys, clothing, accessories, gifts, candles, and more before Christmas during the months of October and November. They even offer Free Shipping with your order.

4. Buy from the comfort of your home.

Every year, more people buy online to save time and money. By buying online, you’ll be able to see every item on every gift category you’re interested in without the hassle of searching a whole store or waiting in long lines, only to find out that what you’re looking for is not available or is overpriced. You’ll also receive the items you purchased early, giving you time to wrap them in advance.

Just as clear communication between you and your doctor can equal better care for your body, communicating carefully with your mechanic means the best care for your body of your car!

When you think about it, you know your car better than anyone else. You drive it every day and know how it feels and sounds when everything is right. So don’t ignore its warning signals. If something doesn’t feel quite right, get your car checked out.

The following tips should help you along the way:

“Preventative Medicine”

Follow the recommended service schedules.

Keep a log of all repairs and service.

Check your car for:

• unusual sounds
• odors
• drips
• leaks
• smoke
• warning lights
• changes in acceleration
• changes in engine performance
• changes in gas mileage
• changes in fluid levels
• worn tires, belts, hoses.
• difficulty in handling, braking, steering
• unusual vibrations

When there is a problem…

• Write the information/symptoms down to give to your repairman.
• When did the problem first start?
• Exactly when does the problem occur?
• Is it constant or does it occur now and again?
• Does the problem happen when the vehicle is cold or after the engine has warmed up?
• Is the problem noticeable when you accelerate? When you brake?
• At all speeds? When shifting?

Remember to let the technician diagnose and recommend a remedy, even if you think you already know what the problem is. Plus, it’s important not to demand an on-the-spot diagnosis. The technician needs to thoroughly examine the vehicle before knowing what’s really going on.

Stay involved. And don’t be shy about asking as many questions as you need to understand the problem. Mechanical terminology can be confusing to the layperson.
Ask for simple definitions of technical terms you’re not familiar with.

It’s hard to be patient, as most of us feel completely incapacitated without our vehicles. Make sure you ask to be called and informed of the problem, recommended action, and costs BEFORE work begins.

Before you leave, ask about labor rates, guarantees, and what methods of payment are acceptable.

Leave a telephone number where you can be called.

The information you share with your auto technician will enable him to more easily locate the problem, diagnose it, and repair any damage. Then you and your car will be on the road again!

Filling out a credit card application is just like filling out a job application-everyone needs some tips to use so that they get approved.

If your credit is bad, then it may be a little more difficult to get a credit card than if you have good credit.  Do not give up, because there are hundreds of companies out there that offer credit cards for people with bad credit and if you shop around, you will find the credit card that is just right for you.

If you are researching credit cards, the first place that you can get information is the Internet.  The Internet has a lot of information about many different credit cards, including their rates, fees, and incentives, so that you can find the best credit card for you.

There are some credit card companies that say that they will give you a credit card with no credit check.  However, keep in mind that having a credit card almost always means that you are going to go into debt.  Be cautious when choosing the credit card for you.  Read the fine print of their terms and agreements to make sure that there are not going to be any surprises.

Analyze your financial situation to make sure that you can handle a credit card and its payments.  Even the most cautious of us go on a little shopping excursion every now and then and you do not want to be thrown into a financial tailspin when your bill comes in.

Cautiousness is very important in using your credit card.  If you are not sure that you can handle a credit card, then rethink applying.  You need to be sure that when the bill comes in that you can make the payments.  If you are not completely sure, then donít get a credit card until you are ready.

Credit cards have become almost a necessity in todayís world. There are hordes of credit card suppliers who issue thousands of credits cards every day. Chase (of the JPMorgan group) are a well known credit card supplier. Chase credit cards are pretty popular among the masses.

Chase credit cards come with various different benefits and accordingly chase credit cards are classified into various categories. There are general purpose chase credit cards which promise great rates and excellent service. Then there are chase credit cards for people who shop regularly with some retailers. These are termed as rebate cards since they offer rebates on shopping when you shop with certain retailers. These also offer cash rewards. There are entertainment credit cards for people who wish to get VIP access to some concerts, events etc.

Another category of chase credit cards is the travel cards where the credit card holders get travel related discounts and rewards. This category of chase credit cards is very suitable for people who travel a lot. Yet another set of chase credit cards is grouped as auto and gas cards which offer rebates and rewards on everyday purchases. Retail cards are another kind of chase credit cards where you receive points on purchases made using this chase credit card. These points can then be redeemed for shopping certificates, entertainment etc. For students, there is a separate breed of chase credit cards which is called student cards.

These student cards help the students in building a (good) credit history and also offer some special benefits for students. Similarly there are college & university alumni cards for supporting your alma mater. There is another set of chase credit cards that operate on similar lines. These chase credit cards are called ëcards to support organizationsí. The organization can be something like a charity or any other organization that you want to support. Then there are military cards that are meant for the members of military (both past and present). You can support your favourite teams or sporting organizations by getting a sports card. Finally, there are business cards which can be used by businesses for organizing their expenses, availing low interest rates and getting other benefits related to business.

Thus chase offers a lot of different credit cards which cater to the different needs of various people. By comparing the features of these chase credit cards and by understanding the main objective behind them, one can easily zero-in on the chase credit card that is best suited to ones needs.

Note: The information given in this article was correct at the time it was written. However, the author does not guarantee the correctness and completeness of this information at any time.

You will see that when you are driving around in a car that you are comfortable in, you will have a much better ride. You will enjoy the time that you are spending in your car much more and you will not regret the purchase you make. You do not have to make a bad decision when you are looking for something that will fit your needs as well as your budget.

Getting a good car that you can sit back in and relax when driving is important. You will find that there are plenty of luxury cars out there that are going to make you smile. You will have your choice of great options that will make driving a real pleasure. You can sit back and enjoy the comfort that you will have in something that has every possible option that you can think of.

You will have fluffy seats and a great support for the back. You will not have one minute of being uncomfortable in a luxury car that you buy. You will also have great things that you will not find in any other car. You will have things like heated mirrors, cruise control, heated seats, power windows and seats as well as plush cushions to sit in and enjoy for as long as you have your car. You cannot go wrong.

Make sure that you get something that you really like. If you are spending the money anyway, you will want to have it the way you want it.  You can make it your very own and you will not have to miss anything that you need.  You can have comfort, style, and affordability as well.

The luxury cars that you find for sale are going to be more expensive. They are going to cost more because you are going to have more options to choose from. You will have things that you cannot get anywhere else. You will love the features that you get and you will not have to feel bad when you are in your car for a long period.  There is nothing wrong with wanting to have all these great options in the car that you purchase.

You may want to check out the different prices that are out there. There are many dealerships that are going to cost more and you will not have bought from them. You can go online and get good deals that you can feel great about.  It will be something that you will have to do for yourself. You will want to have the best possible value so that you are not getting taken advantage of when you are looking to get a great luxury car for you and your family.

How credible are those Business School Rankings? How do they come up with the top Business Schools in the land?

Business School Ranking is an effective tool used by many in searching for the right Business School. Most people rely on these data to determine if their chosen school is the school of their dreams. You’re probably wondering what specific criteria/standards they use in ranking Business Schools and who are responsible for measuring them?

The Economist and Financial Times provide individual rankings of Business Schools. All of them use various criteria if a Business school deserves to be on the A-list or receives a failing grade. Other providers are BusinessWeek, Forbes, and Wall Street Journal.

The Economist

It conducted an Economist Intelligence Unit Survey of more than 200 senior executives. They came up with the following ten significant areas for selecting an open-program provider

* Content and internationalism of the programm
* Faculty quality
* Provider’s Amenities
* Quality of fellow participants
* Level of post-course support for partcipants
* Capable of demonstrating an impact back in the workplace
* Cost/value for money
* Wide range of courses
* Maintaining an ongoing relationship

Based on the aforementioned criteria, open program participants were asked to rate those schools that they attended and eventually came up with top eight business schools.

Financial Times

They used twenty criteria to determine their rankings. The first eight criteria are based on alumni survey, the second nine criteria came from business schools’ survey and the basis of last three criteria is on research survey.

Alumni Survey

* Weighted Salary
* Salary percentage increase
* Value for money
* Career progress
* Aims achieved
* Placement success
* Alumni recommendation
* International mobility

Business School Survey

* Employed at three months
* Women faculty
* FT doctoral rating
* International faculty
* International students
* International board
* International experience
* Languages
* Faculty with doctorates

Research survey

* FT research rating

According to Dr. N.M. Kondap, vice-chancellor of NMIMS University, “Surveys are conducted using different metrics and parameters. Some amount of discrepancy also occurs during the assessment of the survey which is reflected in the results.”

To become a successful penny stock trader you must understand a large proportion of the theoretical aspects of trading penny stocks first before you can begin to see any kind of positive results in a practical sense. If you are just starting out you may have some luck at first, but in all likelihood that isn’t going to last and when that happens you are gong to have to put in the effort to go back and learn all the fundamental concepts and methods to re-establish your confidence. This essentially means that you need to learn how to perform the correct amount of penny stock researchon your own and without the help of a third party. If you want to become an independent trader that doesn’t have to rely too heavily on third parties then it is imperative that you learn how to perform the correct amount of research on your own without the help of a third party.

To make a consistent profit in this business you are going to have to learn how to pick good penny stocks, and to do this you are going to have to take into consideration all of the resources that may be at your disposal. One of the most prevalent kinds of resources that you will see in the penny stock arena are the hot lists and picks that are made available by industry experts who exclaim that they have access to the best penny stocks to watch. The reality when it comes to these types of resources is that they will only provide you value if you know what to do with them, and this will come down your overall intelligence as a penny stock trader.

Most penny stock traders put too much faith in these sorts of resources, and in the end if you are blindly following the advice of such sources of information then you may be in for a rude awakening when you go to act on what you were recommended to do. This is because these kinds of lists only contain useful information a minority of the time, and they most often contain data that is only put into existence to serve the person or entity who created the list. To buy penny stock and turn a profit you must learn how to utilize these kinds of lists properly, and this essentially means that you only need to act on the data provided when you can verify that it is truthful.

Everyone faces unavoidable financial problems at some time and find that they are in an impossible situation and unable to meet their obligations. This situation might make some feel that it is hopeless to find money help, but that is not necessarily true.

There are two types of bad credit personal loans, secured and unsecured. A homeowner may qualify for the secured personal loan and non-homeowners may apply for the unsecured bad credit personal loan. Bad credit should not affect your ability to obtain a home mortgage loan. The interest rate for a home mortgage loan will depend upon your credit rating. If the credit score is 600 or above, the borrower is usually required to pay a 5% down payment. Credit scores that fall below 580 necessitate down payments of 20% or more. However, reputable bad credit mortgage lenders do not require unreasonable down payments of 50%.

Bad credit secured personal loans are worth considering if you own property such as real estate, automobiles, valuable jewelry, or other types of assets. However, it is important to keep in mind that the collateral may be seized and sold by the lender in the event of non-payment. In addition, there are bad credit automobile loans that are easy to apply for with minimal requirements to qualify, such as an income of $1,500 per month, proof of residency, and verifiable employment. There are reliable lenders who have reasonable interest rates and offer good financing options.

Debt consolidation loans are another option to consider if you have a history of bad debt. These loans consolidate your debts into one loan, allowing you to make one monthly payment that you can afford. Unsecured debt consolidation loans are not tied to your assets, and they eliminate annoying calls and letters from creditors, as well as helping you avoid filing bankruptcy.

Donít let a history of bad debt keep you from having the things you want or need. There are answers to your bad debt problems.

To avoid panic when you get into too much debt it is vital that you take into account the various debt relief options that may be available to you. Most people fail to realize that they have a plethora of options available to them if they are willing to do some research, and many of these only involve a small amount of effort on your part. There typically is no need to follow-through on every sort of debt relief option that is out there, and you probably won’t have to unless you are in an extraordinarily high level of debt.

Many of these are business debt relief options that are designed specifically for business owners who may have gotten into too much debt, and if you are not a business owner then you may want to look elsewhere. Before you do anything with your debt you must take account of where you stand in terms of your debt accounts and overall level of debt. This will give you a better idea of where you stand, and it is vital that you take into account whether you are late, or in default with any of your accounts.

Once you have surveyed your entire debt situation you should then determine your ability to payback your debt over time. For some people this wont’ be a feasible option, and if that is the case for yourself then you need to consider some of the other options that may be more appropriate for your situation. When you are faced with a situation that demands urgent care then you need to take a look at some of the more popular debt relief options that have emerged over the years. Perhaps the number one option on this list is the debt consolidation loan, and with this type of loan you should not have any trouble paying off the majority of your debt.

This sort of loan is based off of your credit, and as long as you have above around a six, to six-fifty credit score you should have no difficulty getting approved and taking advantage of this extraordinary debt relief loan product. You still have many more problems besides the consolidation loan, and these include but are not limited to debt settlement, bankruptcy, and in some cases debt negotiation. It is never a smart move to rule out any of these off the top, and by not doing so you should eventually get the debt relief you need so get out there and start doing some more research on some of these options.

Before we delve deeper into how business credit cards are helpful, letís try and understand what a business credit card is.

Put simply, a business credit card is a credit card that is owned by a business and not an individual. To understand this better, you can simply draw an analogy between the business credit cards and business bank accounts, which are in the name of the business as well. Other than that, business credit cards work in pretty much the same fashion as the personal credit cards; with a few exceptions. These exceptions are in the form of flexibility in credit limit, low APRs and some other additional benefits that are available to business credit cards only.

Even from just that, business credit cards seem a good proposition. However, business credit cards would be attractive even without those benefits because the main benefit lies elsewhere. The big-big benefit from a business credit card is realised in terms of business expense accounting. For most small businesses, business expense accounting is a big overhead. With business credit cards, this is handled very easily you just have to ensure that you make all your business expenses on your business credit card and let the personal expenses be on the personal credit card i.e. segregation of business and personal expenses is all you need to do.

So the bill for your business credit card will have all the business expenses on it and you wouldn’t need to collate all the various bills or sort out the items from your personal credit card bill. The key here is to make sure that you use your business credit card for all your business expenses (or as much as you can). Moreover, a lot of business credit card suppliers realize this need of small business and even organize the business credit card bills in a way that meets the accounting requirements of these businesses. So mostly, they will appropriately group the expenses on the business credit card bill so as to facilitate business expense accounting. In fact, some of the business credit card suppliers go to an extent of providing the bills in a format that can be downloaded and exported to an accounting system i.e. you don’t need to enter the data manually in your accounting system. In case the format is not suitable for your accounting system, you can hire a software professional to write a small quick program to convert it into a suitable format.

Thus just one reason – facilitation of business expense accounting, is enough to support the case of small business credit cards.

You may be in the market for a small cash loan if you need some additional money before your next paycheck comes in. These kinds of small cash loans are also known as cash advance loans, or payday loans and they are typically made in low denominations that range anywhere from one hundred to twelve hundred dollars per month. These sorts of bad credit fast cash loans are issued by smaller and private lenders that are much different than the preponderance of the major banks and other larger lending institutions.

Lenders like 500 Fast Cash provide these types of loans to people who are in vital need of some fast and easy financing, and they most often specialize in providing only these kinds of payday loans. Once you have the realization that you need cash now then you must get it in your head that you should apply to as many payday loan lenders as possible so that you can compare what each lender has to offer you in order to get the best deal. When you are ready to apply it is important that you understand what these lenders are going to need before they can issue you an approval. The majority of these lenders will only require that you make a consistent income each month, and a checking account that is in good standing along with the ability to provide all of the appropriate identification.

When it comes to your personal credit score it usually isn’t much of a factor unless you may have defaulted in the past on another payday loan product. Once you have these things in check it is vital that you comprehend that these sorts of guaranteed cash loans should not be considered unless you are facing very extenuating circumstances that warrant the taking out of such loans. This is due to the exorbitant interest rates and fees that these kinds of loans carry, which can range from anywhere between three to seven hundred percent per year. It is imperative that you only consider applying for these types of payday loans when you are facing what most people would consider to be an emergency situation, and not doing so could very well get you into more financial trouble than you initially found yourself in to begin with.

You don’t want to be like the majority of people who take out these sorts of cash advance loans and abuse the kind of access these lenders provide, and by being smart you can avoid getting yourself into trouble with these types of loans. This is because of the late fees and penalties that are going to build up once you miss a payment, and if you want to avoid this kind of situation all together then you may want to think twice before applying for a cash advance loan.

People with bad debt include people who have the history of bad credit. What bad credit means is that the borrower fails to meet the terms of the loans, which were initially agreed upon by the borrower and the creditor. This subsequently results in getting the borrower a bad credit score, and hence the bad credit. A credit score is a 3 digit figure usually ranging between 300 and 720 which depicts a borrower’s credit worthiness at a point of time.

Usually, people with bad credit face a lot of problems in getting any type of loan. But, with bad debt homeowner loans, that problem has been put to rest. The bad debt homeowner loans are specifically designed to help people who have the problem of bad credit.

Any one who wants to take the bad debt homeowner loans has to fulfill two conditions to make himself eligible for the loan. They are:

1.The potential borrower should have a bad credit history i.e. he should be a bad debtor.
2.The second condition is that the borrower must be a homeowner i.e. he must have a home of his own in order to apply for the loan.

Both the conditions are required to be fulfilled in order to avail the bad debt homeowner loans.

Bad debt homeowner loans are no different in quality from any of its counterparts. They are just as beneficial and provide the equal amount of effectiveness to the borrowers. With bad debt homeowner loans the borrowers will find same loan options i.e. choose between a secured loan or an unsecured loan and other options that any other loan provides. Although, one slight disadvantage that can be attributed to the bad debt homeowner loans is that they may carry a rate of interest which may be higher than usual. But, then they compensate that with the fact that they provide the borrower with an opportunity to redeem their reputation, if he can meet the required terms of the loans that are agreed upon. This allows the borrowers to get the normal terms for their loans.

To apply for the bad debt homeowner loans, the borrower must possess a document showing his credit ratings and credit score. If they are not present then it can be taken through various credit rating agencies. Few of those being:

-Experian
-Equifax
-Trans union

These or any other credit rating agency recognized by the lenders in US can be requested to make your credit report.

People who want to apply for bad debt homeowner loans can apply for them by following the same procedure that any other loan warrants. And once they get a worthwhile deal they can apply for the loan. People applying for this loan must be careful about the finer details of the loan.

When you have filed for bankruptcy your chances of getting an easy approval for the majority of loans and credit is not going to be good. The actual type of bankruptcy filing you went through with shouldn’t have too much of an affect on this, and the specific rules of a chapter 7 filing and the chapter 13 rules do not include what is going to make it difficult for you to get approved for loans after your bankruptcy, and it is rather the actual mark of bankruptcy that is going to make it tougher for you. This bankruptcy mark will be on your report from anywhere between seven and ten years, and in combination with your bad credit score it is going to show a strong signal to lenders that you have had trouble paying back debt in the past.

If you want to improve your chances at getting loans and credit in the future then you need to focus on improving your credit because you cannot change the fact that the bankruptcy is going to be shown in your credit report for at least seven years. It really doesn’t matter whether you go ahead and apply for a personal loan after bankruptcy, or even a mortgage after bankruptcy, the mark itself will be readily apparent for the world to see for a quite awhile and you must ignore this semi-permanence and identify where you can take control. This essentially should translate into you wanting to learn about the ways you can improve your credit over time, and by doing so you’ll hopefully better your score and increase your chances of getting approved.

The first thing you need to do is to create a plan that will dictate how you should move forward with your credit repair. Getting credit cards after bankruptcy is actually one of the first things that you should think about doing to improve your credit because getting a credit card can be an easy way to build your credit back up over time. The kind of card you should look for is the secured credit card, as these sorts of cards are easy to get approved for and they can give you a small credit line that can be the foundation of your credit repair.

This will have a positive affect on your credit score, and unlike getting a refinancing loan after bankruptcy, a secured credit card doesn’t require that you jump through too many hoops before getting approved. Once you begin paying your new secured credit card you should also do other things that can improve your credit such as fixing any errors that may be on your report, maintaining a low credit balance, and resolving any accounts that may still be in default. Once you have your credit back on track you can then apply to lenders with a higher degree of confidence, and as long as you apply to a number of different lenders you should eventually get approved.

Have you ever been in the type of financial situation where you would do anything for some extra cash but you still managed to get by anyway?  Remember how you just got by because that could be a lifesaver to hang on to.

Cash advances are not things that should be taken lightly where you think “oh an easy way to get some more money, let’s do it.”  They are not things that you will use and be happy about unless you can make the repayments that are laid out for you in the contract that you sign when you apply and receive the money.

Advance cash is quick and easy to get no matter what your financial situation is, but the main thing to remember is that most people who get these cash advances can make the monthly repayments and they donít get into any trouble for not making the repayments.  This is where many people will fail and get into trouble; not making the monthly repayments can prove to be costly to you and your family.  You do not want to put your family under any unnecessary pressure or any strain because it is not their problem — you are the one making the monthly repayments so you have to make sure that you can make the repayments before even thinking about applying for a cash advance.  Otherwise it will be more costly than you think and the surprise you receive will not be the cash in your account it will be the repo man coming to your door asking for your belongings.  Do you really want that hassle if you can’t make the repayments? Obviously you will need a huge cash advance before that happens.

Think before you make a decision; these decisions can be life altering and there is no going back once that contract is signed.  Check the small print and remember the most important little pieces of information that they want to hide are in that small print, so read carefully.

When it comes to investing, many first time investors want to jump right in with both feet. Unfortunately, very few of those investors are successful. Investing in anything requires some degree of skill. It is important to remember that few investments are a sure thing ñ there is the risk of losing your money!

Before you jump right in, it is better to not only find out more about investing and how it all works, but also to determine what your goals are. What do you hope to achieve with your investments? Will you be funding a college education? Buying a home? Retiring? Before you invest a single penny, really think about what you hope to achieve with that investment. Knowing what your goal is will help you make smarter investment decisions along the way!

Too often, people invest money with dreams of becoming rich overnight. This is possible ñ but it is also rare. It is usually a very bad idea to start investing with hopes of becoming rich overnight. It is safer to invest your money in such a way that it will grow slowly over time, and be used for retirement or a childís education. However, if your investment goal is to get rich quick, you should learn as much about high-yield, short term investing as you possibly can before you invest.

You should strongly consider talking to a financial planner before making any investments. Your financial planner can help you determine what type of investing you must do to reach the financial goals that you have set. He or she can give you realistic information as to what kind of returns you can expect and how long it will take to reach your specific goals.

Again, remember that investing requires more than calling a broker and telling them that you want to buy stocks or bonds. It takes a certain amount of research and knowledge about the market if you hope to invest successfully.

While quite a bit of time and research goes into selecting stocks, it is often hard to know when to pull out ñ especially for first time investors. The good news is that if you have chosen your stocks carefully, you wonít need to pull out for a very long time, such as when you are ready to retire. But there are specific instances when you will need to sell your stocks before you have reached your financial goals.

You may think that the time to sell is when the stock value is about to drop ñ and you may even be advised by your broker to do this. But this isnít necessarily the right course of action.

Stocks go up and down all the time, depending on the economy and of course the economy depends on the stock market as well. This is why it is so hard to determine whether you should sell your stock or not. Stocks go down, but they also tend to go back up.

You have to do more research, and you have to keep up with the stability of the companies that you invest in. Changes in corporations have a profound impact on the value of the stock. For instance, a new CEO can affect the value of stock. A plummet in the industry can affect a stock. Many things all combined ñ affect the value of stock. But there are really only three good reasons to sell a stock.

The first reason is having reached your financial goals. Once you’ve reached retirement, you may wish to sell your stocks and put your money in safer financial vehicles, such as a savings account.

This is a common practice for those who have invested for the purpose of financing their retirement. The second reason to sell a stock is if there are major changes in the business you are investing in that cause, or will cause, the value of the stock to drop, with little or no possibility of the value rising again. Ideally, you would sell your stock in this situation before the value starts to drop.

If the value of the stock spikes, this is the third reason you may want to sell. If your stock is valued at $100 per share today, but drastically rises to $200 per share next week, it is a great time to sell, especially if the outlook is that the value will drop back down to $100 per share soon. You would sell when the stock was worth $200 per share.

As a beginner, you definitely want to consult with a broker or a financial advisor before buying or selling stocks. They will work with you to help you make the right decisions to reach your financial goals.