If you are planning to invest in the stock market you will need some serious knowledge of how to select stocks before jumping in. However if you choose to use a financial professional then you just need to make some enquiries to ascertain their track record. Don't assume that because they are a professional that they know everything about each different aspect of investing. These can be an excellent alternative for anyone who has the confidence to make their own investment decisions. Something which does need considering is the question of charges. This applies whichever type of broker and whatever method is used for that very first investment. Many new investors wrongly assume that all their money will go directly into buying the investment they have chosen and forget that there are different prices for buying and selling stocks. That being the case we can start to take steps to reduce the amount of money that we owe and also the amount we have to pay out each month. Think of it this way; Credit cards are not "bad", just like anything else they have plusses and minuses. Ok the minuses include horrendously high rates of interest but on the other side of the coin they can be invaluable in emergencies. Perhaps the greatest benefit of all is the peace of mind such loans can bring. For anyone who has been haunted by the worry of how they find enough money every month to service their debts they can be the answer to their prayers. Of course for anyone who is thinking of approaching a bill consolidation service there are some very important points to keep in mind. Crash of stock market prices can be expected from time to time as markets correct themselves following false highs but what happened that October began an economic downturn that lasted for years. Starting on the Thursday October 24th, 1929 crash of stock market confidence became even worse on the following Monday and Tuesday. That is a feature that you probably won't fully appreciate until you have had the pleasure of using one of them. Or alternatively you have made yourself dizzy flicking backwards and forwards in one of the older style ones! So do you really need to have a stock market dictionary? No but once you have got yourself a good one to help you fathom out the impenetrable terminology you will find that your investing life becomes so much easier than before.