A number of brokerage houses put on regular training seminars for new investors. These will take you through the basics of learning the terminology of the stock market and also on to how to select stocks using various indicators. Some will even teach you how to spot trends and these can be as important for timing your exit from a position as getting into it in the first place. 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. Make some calls to your state consumer affairs bureau and also the Better Business Bureau to see if there have been any problems in the past. Online savings accounts are open 24/7, so you even if you want to make a transaction at 2 in the morning, you can very conveniently do it through your computer, your laptop or even your mobile phone. Also, since these banks are operational through the Internet, you don t have to worry about not being in the country to make a particular deposit or a withdrawal from the account. 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. To some the idea of safe is simply to put their money on deposit. However from a stock market point of view let's look at what safe means to new investors. While investing in stocks and shares will always carry a certain amount of risk especially over the short term it is possible to minimize that risk. Do you think while you're laid there in your hospital bed it's just possible that making the payment for your credit card bill might get forgotten? And what happens when you forget your monthly credit payments? Those nice friendly guys at the loan company who wanted to increase your credit card limit only last month now turn into Don Corleone and the boys from Mob!