Just don't use them as long term loans because they were never designed for that kind of borrowing. If you are finding that you have outstanding balances of two, three or more credit cards you will probably be well advised to look into taking out a debt consolidation loan. This will enable you to spread your borrowing over a fixed period of time. If you're a home owner you will find that you can often get a much more favourable rate if you take a loan which is secured on your property. Be very careful with this type of deal and be sure you cost it out based on how long you will be spreading the length of the loan over. Done carefully you can save yourself a great deal of cash by refinancing your cards but only if you go for the very best credit card consolidation loans. A number of brokerage houses put on regular training seminars for new investors. These will take you through the basics of learning the terminology of the stock market and also on to how to select stocks using various indicators. Some will even teach you how to spot trends and these can be as important for timing your exit from a position as getting into it in the first place. 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. Starting with the banks and loan company's own web site is usually best. Once you have got a good idea of how much refinancing is likely to cost you are far better equipped to approach the directly. 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. Well in some cases that is very true but every case is different and you have to do you own checking to make sure you will be better off. It is important to remember that you are taking the existing balances of your bills and spreading them over the term of the new loan. Obviously you need to sit down with pen and paper and work out just how much that will add up to in interest.