After all no one will ever take as much care of your money as you will yourself. One thing which many people tend to forget when they first start to invest in the markets is that they are investing for the medium to long term. If you have that clearly in the forefront of your mind you will make much safer investment decisions. Of course for anyone who is thinking of approaching a bill consolidation service there are some very important points to keep in mind. Just as with any other form of loan every aspect of it needs to be carefully weighed up before going ahead. Things to consider are: 1. How much will the overall cost of the loan work out at? Ok the minuses include horrendously high rates of interest but on the other side of the coin they can be invaluable in emergencies. Just don't use them as long term loans because they were never designed for that kind of borrowing. If you are finding that you have outstanding balances of two, three or more credit cards you will probably be well advised to look into taking out a debt consolidation loan. A non profit consolidation organization would, on the face of it, seem a better choice than a bill consolidation service run by a profit making company wouldn't it? Well the answer is yes and no. Let me explain. There is no guarantee that an organization offering bill consolidation services will be any better just because they're non profit. So getting a stock market dictionary will help to even out the playing field. The great advantage of some of the very latest dictionaries is that they are grouped around particular subjects rather than laid out in alphabetical order like an ordinary one. That is a feature that you probably won't fully appreciate until you have had the pleasure of using one of them. Two things that you need to look at is the interest rate itself, which will be mentioned clearly on the website and the maturity period. The simple math here is that if the maturity period is longer, then the total interest you earn needs to be higher. The interest rate itself may not be higher, but the total interest earned should be.