Naturally any boom based on speculation is doomed once people sense that the market is overheating. The market reached its peak in early September of 29 and prices began falling sharply losing 17% of their value over the next month. Even then prices rallied fueled by hope more than reason, but as smarter investors decided to take their profits the final collapse began. And don't forget to try and haggle down the rate you are offered. Tell them you have a better deal on the table across the street. You'll be surprised just how much things can change with a little bit of competition. Of course if you've got poor credit things might not be quite so simple. And if that is the case maybe the best thing would be you for you to talk to a licensed debt counsellor or visit a bill consolidation service to get some idea of how you can reduce your monthly commitments. How much will be saved each and every month over what is currently being paid? 3. Is there a cheaper option? A re-mortgage for example 4. Would getting a part-time job help rather than taking out a loan? Equally important if someone decides to go ahead is making certain that the loan they are taking out is the cheapest they can get. Very simply the market is driven by supply and demand. That means that if there is only a very limited number of shares in a particular company available the demand for them will be far greater than if the market place is awash with them. 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. The Good Side of the Online Savings Accounts The best thing is the convenience that you get. You do not have to stand in serpentine queues anymore to find out what s going on with your account. You are also saved from the travel that you need to make up to your bank, which closes at a particular hour to add to the miseries. They'd sooner help someone who's honest enough to admit a mistake than think you're hiding something. If you're behind on your bills because of being put on short time at work; tell them. If you're looking for a part time job to help you get back on your feet again tell them. They aren't trying to judge you as a person; they simply want to know that they will get their money back.