Assuming that you feel comfortable with your risk level and the length of time you will need to tie up your money for you can begin to choose how to get started with your investing in the stock market. You have a couple of choices. You can either make your own decisions on where to place your investment money or alternatively get a professional to do it on your behalf. Ask about them at your church. Consult the Better Business Bureau and speak to your state consumer affairs representatives. One final point to keep in mind when you start to make your enquiries. All these organizations stand to benefit by having you as a customer. That means some, if not all, will try to get you to sign up straight away. Consolidation loans are usually far cheaper rates of interest and really can work out to be quite a significant saving. And it's not just the monthly savings that are appealing. The overall cost can be very substantial too. Of course you need to check the figures for yourself don't go making assumptions as everyone is different. 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. Would getting a part-time job help rather than taking out a loan? Equally important if someone decides to go ahead is making certain that the loan they are taking out is the cheapest they can get. A great way to do this is to shop around and compares prices and costs exactly the same as for making any major purchase. If you are considering a high risk bond for example you need to ensure that the rewards you are being offered are equally high. Never lose sight of the fact that high rewards are being offered for a reason - the risk of loss is also high. Whatever the type of investment you are after you should always try to think about having a broad portfolio of investments as this again will lessen your risks while giving you the opportunity to get a good return.