These allow you to raise questions and get them answered by experts. Something that obviously just isn't possible from reading books, watching DVDs or listening to audio CDs. A number of brokerage houses put on regular training seminars for new investors. These will take you through the basics of learning the terminology of the stock market and also on to how to select stocks using various indicators. Just stop and think of a plan of action. Before you do anything else at all, contact the companies you owe the money too. Explain the situation you've found yourself in and ask what they can do to help. Some, not all, but some companies will freeze the interest, especially if you've always had a triple A credit rating in the past. It is really the question of only that because with Certificates of Deposit, your principal is assured by the government; you are never going to lose that. It all boils down to getting the highest CD rate possible. One of the things that can help you is to check out which of the CDs gives you the highest rate using online research. Starting with those three days of trading the market fell for a full month and began the Great Depression which took a little over 25 years for the United States to recover from. In fact it was November of 1954 before share prices reached the level they were at on that first day of the crash. So what caused such an economic disaster? Different financial institutions have different limits here and hence you need to ask them personally or check their written brochures. (iii) Since these are savings accounts, you will need to keep some amount in the bank each month. This amount is called as minimum deposit. It acts as a kind of security for the bank as well as it helps you to really save that amount of money, adding more meaning to the concept of savings accounts. Consolidation of debts is a complicated matter and it requires clear thinking and some tough negotiation skills. So yes, a non profit may charge you less but they could still end up costing you more if their people aren't good at reducing your monthly or weekly payments. You should also bear in mind that while they might be non profit they still have to pay for their expenses.