Investing in financial vehicles such as stocks, bonds, treasury, and mutual funds are a good way to earn a premium on interest because these financial vehicles typically yield more than the traditional savings account. And why is it they earn more? It is because there is the element of risk involved in them. This element of risk should be taken very seriously, as you stand to lose practically your entire hard-earned investment money. It is wise to find out what will happen if the firm you are investing through goes out of business because it happens as well.

So it stands to reason that you need to think through your investment decision very carefully, as this money will be tied up for awhile and you will not be able to quickly turn it into cash should you need to back out. This sounds simple enough until you get a call from your broker who begins pressuring and rushing you to buy the stock because you just can not afford to pass up the opportunity. Beware of these high-pressure tactics. Take some time to make some sense out of the source of the high-pressure “buy” push.

While different brokerage firms have different ways of doing things, all of them are in it for the money. The service they provide is not free and the brokers are usually paid on a commission based on the amount their client invests. Of course, the brokers will not tell you this is their motive but make no doubt about it that if they did not earn something on the deal, they could not stay in business. This means that you need to do everything you can to find out the facts about what this potential purchase means for your broker in terms of commission. It could give some very good indicators of the reasons behind the high-pressure tactics.

Fast Cash Now Means Empty Pockets Later

It seems that quick and easy payday or car title loans are everywhere. They are easy to find, are available with just a few clicks of a mouse button or one quick phone call, and look like the perfect solution to fast cash when you find yourself in a bind. However, before you rush to look for one of these loans, you should beware. There is danger associated with these loans, making these quick cash solutions almost like making a deal with the devil.

As with any loan, there is an interest rate involved, which means that by the end of the loan repayment term, you will have paid more back than you originally borrowed. The same is true for payday and car title loans, although their interest rate is often far higher than traditional loans. For people on limited incomes and tight budgets, what originally seemed like a dream come true for their financial trouble can turn out to be a nightmare.

Car title loans also have a very high risk, as you are placing the title to your vehicle in jeopardy. If you should fail to repay the loan, the individual or company that provided you with the money will often choose to repossess your car, leaving you without financial stability or a vehicle.

Loans can be a good thing if researched carefully and the terms are followed closely. Getting a good deal and a low interest rate can help you to take care of things you really need. However, quick-fix solutions might seem like your best option if you are in need of money in a hurry, but in the long run, it can hurt both your bank account and your credit. Avoid the temptation of payday loans and car title loans and save yourself the headaches that come with them.

Author's Bio: 

This article was compiled by the editors at, the number one self improvement resource on the Web. For more quality self improvement content, please visit