Of course from your point of view you are probably going to be benefiting by having lower repayments, less worry and you'll get your credit history back on track. So it's win-win. Now to actually get a bad credit debt consolidation loan you're going to have to convince the bank or loan company that they really are going to be benefiting. So you can see that just like an auction where there are a lot of people who want what is on offer the price will increase to reflect that demand. Once you have grasped the concept of how the stock market works you can then begin to look at how to spot in advance whether there will be a rise or fall in demand for those stocks and shares that you are interested in. You need to consider whereabouts on the risk versus reward scale you fit to make sure you feel comfortable with your choice of investment. You can view starting your investing life at such a young age in one of three ways. The first is that it will allow you to begin with slow, steady and proven stocks. As with anything else it's vital to understand the rules of the game and how they apply to the position you are planning to take. For example if you don't understand stock market terminology you shouldn't even think of investing. 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. Here we are unexpectedly in a traumatic situation and we get hit by the double whammy of sudden debt and guilt! If you think it will never happen to you don't be too sure. Think of something as simple as an accident, it doesn't even have to be your fault, and you get hospitalized for a couple of months. 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.