You should also bear in mind that while they might be non profit they still have to pay for their expenses. While they may not have the swanky offices their commercial cousins have they still have to fund their employee's salaries. Or to be more accurate you, their clients will be the one funding it. Bad Credit Debt Consolidation Loan - The Secret To Getting One A bad credit debt consolidation loan can get you out of a financial hole very quickly. The question is if you've got a bad credit history will the banks still lend to you? The answer is probably. That's because a bad credit debt consolidation loan can make as much sense for them as it can for you. While markets fluctuate and at times quite wildly they do tend to rise over time but that won't help you if you need to get your hands on your cash the day after tomorrow and the market's in freefall. As with anything else it's vital to understand the rules of the game and how they apply to the position you are planning to take. But you have to see if you can really afford to keep this minimum deposit with the bank because if your total deposited amount goes less than this, you will have to pay an additional charge. (iv) There may also be a limit on the number and the amount of withdrawals that you make from the savings account. If you have that clearly in the forefront of your mind you will make much safer investment decisions. That's simply because you're far less likely to panic if you see the price of your stocks fluctuate dramatically. Another basic is something you no doubt heard as a child - "never put all you eggs in one basket". It's your cash that we are talking about here and no one will take care of it better than you. Another thing for you to keep in mind is that you should shop around for the best deal. And don't hesitate to haggle a bit with the banks and loan companies. Play them off against each other. No matter how good their offer sounds always tell them that you will need to think about it.