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. Whichever one you decide on it is always a good idea to paper trade first. That is where you decide on a particular stock and only place the order on paper. This will help you to see if you are happy with the market fluctuations as well as with the types of choices either you or your adviser made. This can be sometimes overlooked in the excitement of making your first investment but it can have a serious impact on your performance. If you are what is called "risk averse" you will probably be a nervous wreck if you put all your money into high risk shares. By learning to manage your risk levels you can ensure that you only select positions you will feel comfortable with over the medium to long term life of your portfolio. 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. Don't lose sight of the fact that if you make a mistake in choosing your debt consolidation service it could cost you heavily over time. A little bit of effort could save you thousands and that's money in your pocket. It was to London that the first American Secretary of the Treasury, Alexander Hamilton, turned when he wanted to begin development of economic power in the New World. Hamilton founded the New York Stock Exchange on Wall Street in the late 18th century where it was joined around fifty years later by what is now the American Stock Exchange. These financial institutions are very clear on imparting knowledge about their CD products so that they can attract more customers. You can use this information to do your own research into deciding which financial institution will be the best for you. Two things that you need to look at is the interest rate itself, which will be mentioned clearly on the website and the maturity period. Whichever way you decide to invest there are some "rules" which carry across regardless. One of the fundamentals is to know what you are doing. Without this you are not investing but gambling. Let's take an example of the silver markets about 30 years ago. Two brothers Nelson Bunker Hunt and William Herbert Hunt decided to corner the silver market along with some of their business associates.