Credit Card Bill Consolidation Loans Yes Or No Credit card bill consolidation is something everyone who is having problems making the monthly repayment should consider. That is down to the high amounts of interest that the card companies charge on your credit card bill. Consolidation loans are usually far cheaper rates of interest and really can work out to be quite a significant saving. Equally important if someone decides to go ahead is making certain that the loan they are taking out is the cheapest they can get. A great way to do this is to shop around and compares prices and costs exactly the same as for making any major purchase. With the internet available to just about everyone now doing the checking can be a very simple task. Poor credit requires you to explain how you came to be in arrears and, just as importantly, why things are going to be different now. You see both the banks and the loan companies understand that from time to time anyone can fall on hard times. That's especially true with the current economic situation. You simply let the bill consolidation service contact your creditors and agree lower monthly or weekly repayments on your behalf. Now I guess at this point you're thinking hey, I could do that myself. Well, yes, you could and you may succeed. But I'll wager that a credit counselling service can do the job better. 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. So in this beginners guide to investing we will cover some of the essential points but please keep in mind that investment in the stock market is a complicated and potentially risky business. One of the very first things to cover is the need for every investor to work out for him or herself a level of risk that they feel comfortable with.