Will it be a worth while saving that you make each month on your existing repayments over how much you pay in the long term. Of course if you are consolidating bills from credit cards you will probably find that the lower interest rate will make a huge saving in both the monthly repayment and the overall cost of the loan. While it's not the buyers market it was there is still some competition out there and you need to exploit it to your advantage. After all, over a few years all those dollars soon mount up in your favour. If you're a home owner you will find that you can often get a much more favourable rate if you take a loan which is secured on your property. Since these are real user comments, they could be very helpful for you in deciding the best CD products. Most people look at banks when they decide to invest in CDs and hence their search for high CD rates is confined to the banking institutions. However, you need to remember that the banks are not the only providers of CDs. In the stock market there a large number of different options to choose from. A good place to start is by considering if you should be investing at all. Before asking "how do I get started in the stock market" a better question might be "how much can I afford to lose". A quick dose of reality for some I'm sure but a very necessary one. Whatever type of investment you decide on ensure that it suits your personality in terms of risk. If you hate anything risky then ultra high risk bond markets are definitely not for you! Go for something that will get you the returns you are after but which also let you sleep at night. The next point we need to look at is whether you will be making your own decisions on where to invest or getting a professional in to do the job for you. 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.