There is a reason why one need to be with the like minded person who has been in the markets for years & seasoned enough to handle the situations & personally takes care of his associations. Right association is truly priceless even if it comes at a cost. http://TheEquityMantra.Com 

This isn't the right time to brag or prove a point but timely decisions would definitely be helpful especially if these come from the people who have seen ups and downs. Personally have not acted in time in the US but at least I made sure for India market. http://TheEquityMantra.Com