Before you do anything else at all, contact the companies you owe the money too. Explain the situation you've found yourself in and ask what they can do to help. Some, not all, but some companies will freeze the interest, especially if you've always had a triple A credit rating in the past. Let take a worst case scenario here and assume your creditors aren't helpful. More especially so if you have chosen one of the latest style ones. One reason for this is because with all the abbreviations that the financial markets use you can sometimes find that you are looking for the wrong definition. That could be a major problem when your investments are at stake! Of course this is the age of the internet so as an alternative to books you can search for financial and stock market terminology online. While a couple of extra days won't make much difference at this stage they could add months or even years on to the length of your repayment schedule. And the old adage of time is money is very true if that happens. That's your time and more importantly your money! Certainly don't dismiss the profit making companies who offer bill consolidation services out of hand without checking all the figures very carefully. Once you have grasped the concept of how the stock market works you can then begin to look at how to spot in advance whether there will be a rise or fall in demand for those stocks and shares that you are interested in. There are many ways that investors try to work out which way the market or an individual stock will move. Starting on the Thursday October 24th, 1929 crash of stock market confidence became even worse on the following Monday and Tuesday. Starting with those three days of trading the market fell for a full month and began the Great Depression which took a little over 25 years for the United States to recover from. The best source to do the research is definitely the Internet, where you get information not only from the websites of the financial institutions that provide the CD products but also from the various blogs and forums where people discuss about CDs and which of them are the best. Since these are real user comments, they could be very helpful for you in deciding the best CD products.