To select your company you need to look out for some important points. Do they have a good record of helping people for example? Have you been referred to them by someone you know and trust? Are they non-profit or a profit making company? As with any other major decision you should do some checks to make certain you are doing the right thing. For those who have decided that they would like to go for the full blooded approach of buying stocks and shares directly they need to have between $3,000 and $5,000 if they want to use a full service stock broker. There are a few brokers who will consider investments of less but they will need seeking out. The Dutch as leaders in this new field soon began to develop some of the financial instruments that we are all still familiar with today. They introduced things such as traded options, short selling, unit trusts and even debt-equity swaps which were revolutionary at the time. After the early success of those Dutch pioneers other countries soon began to see how they could copy this new trading model. If you need ready access to your money then go for something which won't be as easily affected by outside events. While markets fluctuate and at times quite wildly they do tend to rise over time but that won't help you if you need to get your hands on your cash the day after tomorrow and the market's in freefall. 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. Debt consolidation loan is just another way of saying refinancing of course. And the reality of that is the bank will take the money you already owe them and spread the payments over a longer period. See if that meets your needs. With some banks, you can make more withdrawals than the number that they allow but you will have to pay an additional charge for that. (v) One more point that you have to check is the notice period before you can make a withdrawal, which is typical of most savings accounts.