For anyone looking to get started with investing they need to consider whether they will be investing a lump sum or regular monthly payments. With monthly savings they could consider looking at mutual funds as these will allow them to get a taste for the stock market while sharing the risks and rewards with others. That's because a bad credit debt consolidation loan can make as much sense for them as it can for you. You see the banks really don't care about you. I know, that came as a surprise right? But they do care about themselves - second surprise! So they might be happy to make a loan to help sort out your bad credit. Facts put out by the credit card industry and debt counsellors show that not only are we increasing the number of cards we have but that we're increasing the amount we owe on those cards. Those credit card debt facts can make truly frightening reading. And it's not just those of us in paid employment that are running up our credit card debt. 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. So before committing yourself to going with a particular organization ensure you do your homework. Check around and see how they have done for other people if you can. Naturally any boom based on speculation is doomed once people sense that the market is overheating. The market reached its peak in early September of 29 and prices began falling sharply losing 17% of their value over the next month. Even then prices rallied fueled by hope more than reason, but as smarter investors decided to take their profits the final collapse began. First up, make sure you only tell them the truth. Do you know one of the biggest reasons why people get turned down for debt consolidation? Poor credit isn't the answer! It's because they lied on their application form. It's that simple. Think about it. If you were asked to help someone out would you trust them if they lied to you?