Tell them you have a better deal on the table across the street. You'll be surprised just how much things can change with a little bit of competition. Of course if you've got poor credit things might not be quite so simple. And if that is the case maybe the best thing would be you for you to talk to a licensed debt counsellor or visit a bill consolidation service to get some idea of how you can reduce your monthly commitments. Safe investing is really just a matter of following some common sense guidelines when it comes to that risk. Some of the best known and most successful investors of all time such as Ben Graham, Warren Buffett and Peter Lynch are all known for looking for straight forward opportunities to put their money into. 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. 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. It was there that the very first company to issue stocks and bonds was formed. This was the Dutch East India Company who issued the first share ever to be sold on the Amsterdam Stock Exchange. The Dutch as leaders in this new field soon began to develop some of the financial instruments that we are all still familiar with today. Without this you are not investing but gambling. Let's take an example of the silver markets about 30 years ago. Two brothers Nelson Bunker Hunt and William Herbert Hunt decided to corner the silver market along with some of their business associates. They succeeded in driving the price up to around $54 an ounce before the authorities changed the rules on margin trading. You can view starting your investing life at such a young age in one of three ways. The first is that it will allow you to begin with slow, steady and proven stocks. These maybe considered the tortoises of the investment race but remember slow and steady over many years will soon mount up. The second way to approach the market is with a view that you are young enough to gamble a little on the hares of investing.