As part of assessing your own comfort level you will want to feel comfortable that you can afford to risk losing the money that you are planning to invest. Obviously you don't want to lose it but if you absolutely can't afford to then you should look for something which carries a significantly lower level of risk. Consolidations loans are the same as any other loan when it comes to making a decision whether or not they are right for you. It sounds great the way the banks and loan companies promote bill consolidation loans doesn't it? Just one small monthly repayment covers all your outstanding debts. 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. If you are what is called "risk averse" you will probably be a nervous wreck if you put all your money into high risk shares. By learning to manage your risk levels you can ensure that you only select positions you will feel comfortable with over the medium to long term life of your portfolio. While they may not have the swanky offices their commercial cousins have they still have to fund their employee's salaries. Or to be more accurate you, their clients will be the one funding it. So before committing yourself to going with a particular organization ensure you do your homework. Check around and see how they have done for other people if you can. Online savings accounts are open 24/7, so you even if you want to make a transaction at 2 in the morning, you can very conveniently do it through your computer, your laptop or even your mobile phone. Also, since these banks are operational through the Internet, you don t have to worry about not being in the country to make a particular deposit or a withdrawal from the account. 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.