Even with a helpful stock broker it would be foolish to risk your hard earned cash by investing in something you don't fully understand. There are plenty of good stock market dictionaries that you can find either online or as a printed book. Once you've got an idea of the terminology you might want to consider paper trading even when you're getting a broker's advice. Of course part of the reason is the undoubted complexity of stocks and shares but there is just that sneaking suspicion the new investor will have that it is to keep the uninitiated out too. So getting a stock market dictionary will help to even out the playing field. The great advantage of some of the very latest dictionaries is that they are grouped around particular subjects rather than laid out in alphabetical order like an ordinary one. This will enable you to spread your borrowing over a fixed period of time. It will also ensure that you are paying a much, much lower rate of interest than you would be paying on your cards. By shopping around you can usually find some very good deals available from the major lenders. And don't forget to try and haggle down the rate you are offered. With a saving account, the stakes are higher because banks have to pay you interest on the deposits that you make. Naturally, the bank that can provide you the best rate of interest will be the best saving account bank for you. But there are some other considerations to make here. Here we list the four important points you have to look at when you are scouting for banks that can provide best saving accounts. But before picking up the phone it's a good idea to make sure you are going to present your application in the best possible way. Begin by listing every item of outstanding credit you have. This will ensure you don't forget anything and have to go back to the bank later. Secondly if you have any past due payments on your credit record make certain that you have a good explanation as to why it happened. If for example you prefer to learn by watching you could invest in DVDs in preference to buying a book. One way which is becoming increasingly popular is to learn by attending seminars. These allow you to raise questions and get them answered by experts. Something that obviously just isn't possible from reading books, watching DVDs or listening to audio CDs.