Moodle is an Open Source CMS used by educators to create online websites for their students. By installing these sites on your computer or at a web hosting company online, teachers help their students create web pages in a safe, private environment.

Once online, students use the activity modules to join collaborative Internet communities of learning, including forums, wikis, and common databases. The social constructionist tradition isn’t the only useful way to teach kids using Moodle, though.

Other instructors eschew the collaborative online projects to deliver content to their students through Moodle, even providing homework assignments or scheduling quizzes for their classrooms. To use Moodle for these purposes, a teacher needs to become familiar with standard SCORM packages, which aren’t hard to learn. This augments live face-to-face classwork with an online learning platform in what educators call “blended learning“.

Yet there’s a third use for Moodle. Some educators and administrators use Moodle to create and conduct fully online courses. If you’re a teacher or school official who wants to experiment with distance learning programs, but thought this was impossible with limited resources, master the Moodle resources and design full online classes of your own.

Moodle’s Adaptability – Scaling Content for Class Sizes

Moodle is scalable for audiences of all sizes. Moodle can be used for primary school teachers. Moodle can be used by education hobbyists or home school uses. But Moodle is powerful enough for large scale deployments, teaching hundreds of thousands of students with the same lesson plan or curriculum. This open source learning tool unlocks the power of information, but opening up the Internet for educators to use without hassles.

Moodle Community

One of the best things about Moodle is its ability to connect people from many cities, regions, and countries. The various forums and wikis help learners learn, but also teach. Despite what the cynics say, people of all ages do a better job when they think they’re helping other people. The same goes for youngsters. When you convince a child they’re making a difference in the world, learning takes on a special meaning to them. Opening up to their peers throughout the world helps convince them.

Community discussions take place in many different languages, including English, Bangla, Bulgarian, Deutschspachiges, DK, Finnish, Hebrew, Icelandic, Japanese, Portuguese (Brasil), Portuguese (Portugal), Catala, Espanol, Francais, Euskaraz, Cambodia, Estonian, Galician, Greek, Italiano, Thailand, Pilipinas, Dutch, Norsk, Polski, Russian, Serbian, Slovenian, Sinhalese, Svenska, Vietnamese, Arabic, Persian (Farsi), Tamil, Korean, and Chinese. Each of these languages has its own Moodle forum, so students around the globe should be able to find a language in which they can learn from others–and teach others.

After writing the above, I wanted a more organized list, so here are the terms you need to search for to find the Moodle community in your language. Use these to learn teaching tips, discuss each other’s learning experiences, and share information about the world we live in.

Moodle Community Forums by Language & Nationality

• Japanese Moodle
• Korean Moodle
• Chinese Moodle
• Moodle sa Pilipinas (Philippines)
• Moodle tieng Viet – Vietnamese Moodle
• Moodle in Cambodia
• Moodle in Thailand
• Indonesian Moodle
• Bangla Moodle
• Tamil Moodle
• Sinhala Moodle
• Persian Moodle
• Arabic Moodle
• Hebrew Moodle
• Turkce Moodle
• Russian Moodle
• Bulgarian Moodle
• Moodle in Greece
• Moodle in Galician
• Serbian Moodle
• Slovenian Moodle
• Moodle in Italiano
• Moodle en Espanol
• Moodle em Portugues
• Moodle Euskaraz (Basque)
• Moodle en Catala
• Moodle en francais
• Nederlandstalig
• Norsk Moodle
• Svenska Moodle
• DK Moodleforum (Denmark)
• Finnish Moodle
• Moodle in Estonian
• Polski Moodle
• Deutschsprachiges Moodle
• Icelandic Moodle
• Moodle Lounge (English)
• Moodle Brasil (Portugues)

Building Sites with Moodle Downloads

To build a Moodle website, go to the “Downloads” page you can find across the top menu bar on the homepage. From there, you’ll find standard packages, plugins, language packs, and logos. This should be all you need to build the site you want, but if you can’t find what you need, find the Moodle Tracker.

Tracker Help and FAQ

If you have technical issues, questions, or concerns, find the Moodle Tracker. These pages are maintained by the Moodle developers and act as the tech support section of their website. Just start a thread and either ask a question or report an issue for assistance.

Moodle’s Connected Sites

To unlock more teaching resources, you should take a look at “MOOCH“, the Moodle Open Community Hub; MoodleMoot IT; Moodle for Language: The Teaching Repository; The Moodle Developer Courses; and the Cool Course Competition Site. You’ll need to sign up through Moodle to see any of these sites, which is why I don’t link to them. As you might understand, Moodle takes many precautions to assure that only responsible teachers, professors, administrators, and their students have access to the Moodle online facilities.

Connexions Educational Material

One site I haven’t explored as much, but I may eventually discuss in greater detail, is the Connexions website for learners, instructors, and authors. Connexions by Rice University professor Richard Baraniuk is another amazing example of Open Course Learning. Connexions provides learning materials to over 200 countries worldwide, put together by the staff at Rice University in Houston, Texas.

Since it’s put together by a respected postsecondary school, I’m assuming most of this information is for university level students. I wanted to include additional information for post-secondary scholars to use, so Connexions looks like a good option. I promise more intel later, but I wanted to mention this resource while I was discussing open learning online.

Moodle and Connexions – Educating Online

With all the trash you’ll find online, it’s nice that good people and great educators take the time and effort to put learning resources for all ages on the Internet. Hundreds of thousands of people, spanning most every single country in the world, have benefitted from these programs. I always imagine that those who come to this site are looking for answers or searching for better ways to organize their life.

My mantra is education and information. That’s what the Internet does; it provides a portal to information. Whatever facts, stats, and knowledge you need, it’s there somewhere in the world’s largest collaborate project: the WorldWide Web. No matter where you live or what your living situation is, the best way to help yourself is to read more and get smarter. Moodle and Connexions are tools you can use for that very purpose.

Site Map

Quizzle is a financial aggregator website designed to help consumers learn about credit. More and more these days, our school children are being exposed to personal finance concepts in school.

Middle school and high school introduce personal finance studies in civics classes or economics, while those young students in the more advanced or forward thinking states are studying loans, credit, checkbooks, and banking in actual personal finance classes.

But where does that leave those of us of the older generation (anything over the age of 30, in this case, I’m afraid)?

In many cases, that leaves many of us about as out in the cold as those humans living right now who were grown before the Internet changed the world, but who want to learn about computers. When you don’t learn something as a child, it becomes harder to change your habits or become comfortable with ideas once you’re grown. Those of us who didn’t grow up using computers might not take to it as naturally as the e-generation, while those who didn’t study family budgeting and personal economics as children might not be as good with our money.

Personal Finance Self-Taught Online

That’s where Quizzle.com comes in. Quizzle provides people with quick information about credit and a series of tools to help them figure out their debt and start dealing with the grip credit cards have on their lives. It’s more than that, though. Quizzle helps people learn to budget, plan for buying a home, and protect themselves from identity theft.

When a person registers with the site, they can get a free credit report and free credit score immediately. They also have access to a series of tools, such as a budget planner, home value estimator, and credit monitoring tool to help them do what they haven’t done their entire adult lives.

Rainy Day Tools

Let me mention the Rainy Day Tool, which others haven’t found very fair. Unless you have savings in the high 5 figures or 6 figure, you may get an “F” on your rating. Since most people who aren’t in debt at least congratulate themselves for that, it might be a kick in the gut to get a failing grade on savings.

Keep in mind everything is relative and this site is owned by a mortgage company who deals with home owners all the time. Just because I write for people with no credit or bad credit and Quizzle doesn’t, that doesn’t mean Quizzle isn’t offering plenty of free tools to help people in debt. They do. But now that I mentioned that snippet about the mortgage company, let’s introduce the owner of this website. You may already know them.

Quicken Loans and Quizzle

Let me mention that Quizzle does have paid services, which includes credit monitoring for $5 a month, an improvement program for $25 a month, and identity theft protection for $15 a month (which pays up to $1,000,000).

No social security number or credit card is needed to sign up, though, and most of the information you’ll find on their site is free. Compare it to the online dating community which has a lot of free services, but some premium or paid services.

More Resources Associated with Quizzle

You’ll notice pretty quickly that Quizzle is owned by Quicken Loans, which is an online home mortgage company. You might wonder if Quizzle isn’t all some ploy to shill for Quicken Loans and I’m sure they get some benefit from the connection, but Quicken has a pretty good reputation.

Quicken was rated by Fortune Magazine as one of the 30 best places to work in America–that despite being headquartered in Detroit, Michigan. Quizzle is just one of several resources offered by the company, including the highly-praised Zing! Blog.

Everyone from Soldier of Finance, Wisebread, Kiplinger, Entrepreneur Com, The Dough Roller, Payoff Com, Reverse That Foreclosure, and Bankrate have given Quizzle high marks.  While it does sells services online, that doesn’t mean you have to buy them, click on them, or otherwise pay them any attention. Just ignore for “for-pay” stuff and use the free credit information resources to understand your debt situation a little better than before.

A lot of what I’ve been talking about recently has been about educating yourself to know more about your debt problems. Credit cards are designed more complex and confusing than they should be, so don’t fall for the ploys and let the creditors and lenders take advantage of your naivete. Learn about personal finance, so you never get taken advantage of again.

Site Map

Many people look at their monthly budget and don’t see a way out. They see all these advertisements for payday lending and cash advances and they assume this might be their answers. Others read about the debt consolidation, debt settlement, or consumer credit counseling companies and think this is the safe path away from insolvency.

Americans Pawning Goods for Cash

Another way exists. That way is to make sacrifices for your family. One idea is to severely curtail your spending, whether that means an econo-car for the commute in to work or simply no family vacation this year. Another possibility is taking a second job at night or on the weekends, though nobody wants to do that. But still another possibility exists: putting all those old purchases in hock.

One of the reasons most of us get into major debt trouble is we bought too much stuff. If you spent a lot of money on things laying around your house that you’ll never need again, sitting in your garage or attic, consider selling these to a pawn broker or putting them in hock until you can buy them back.

Collateral known as Pawns or Pledges

The term “pawn” comes from the Latin word pingus, which means “pledge”. Through the centuries, pingus eventually morphed into the word pawn in English, but the term contained the meaning “to pledge”. That’s why collateral at pawn shops are known as pledges or pawns.

When you put collateral in hock, you’re paid a certain amount of money as a loan. When you get the loan, you agree to pay the loan back with a specific amount of interest at a later date. Internet rates for pawn brokers are set by law. Since this is secured loan, if you don’t pay back the debt and its interest at the assigned date, the pawn shop owner can take your pledge as compensation.

If you’ve never considered pawning your antiques, jewelry, appliances, or electronics for the cash to stay within your budget, you may not know where to pawn your goods. I’ve included lists of pawn brokers where you can pawn goods for a number of cities. Use this information to start repairing the finances of your family.

Pawn Shops in Dallas, Texas

Dallas, Arlington, and Fort Worth were hit by the real estate crunch like all other major metropolitan areas in the country. Families living in DFW continue to climb out of their debt holes, so pawning valuables laying around the household are a good way to collect money so the wife and kids don’t have to suffer. Getting a few thousand dollars buffer, or even a few hundred dollars in some cases, is often enough for the peace of mind of everyone involved. These locations are highly rated pawn brokers in Dallas, but they’re a matter of minutes from Richardson, Plano, Irving, or Mesquite.

B J’s Pawn Shop
122 Ferguson Village Center
Dallas, TX 75228
214-328-4635

Regent Jewelry & Loan Co
4307 West Jefferson Boulevard
Dallas, Texas 75211
214-339-5433

Cash America Pawn
14031 Coit Road
Dallas, Texas 75240
972-991-3373

Weldon’s Pawn Shop
6307 South RL Thornton Freeway
Dallas, TX 75232
214-375-1213

B & B Pawn Shop
3006 East Illinois Avenue
Dallas, TX 75216
214-376-8963

24 Hour Pawn Incorporated
333 West Jefferson Blvd
Dallas, Texas 75208
214-942-7296

Pawnbrokers in Houston, Texas

The EZ Pawn company has locations throughout the Houston Area, so if you only trust store chains when it comes to pawned goods, find the location nearest you. Value Pawn is also found in many locations throughout the country, though I’ve found that local pawn shops have taken that name on occasion.

Bob’s Pawn Shop
4628 North McCarty Street
Houston, TX 77013
713-674-5224

E Z Pawn
9560 Kempwood Drive
Houston, TX 77080
713-460-8103

EZ Pawn
5502 Bellaire Boulevard
Houston, TX 77081
713-664-2274

A-Plus Pawn Shops
3860 South Dairy Ashford Street
Houston, TX 77082
281-531-7296

Valu Pawn
8007 Park Place Boulevard
Houston, TX 77087
713-644-3542

Amex Pawn
13129 Veterans Memorial Drive
Houston, TX 77014
281-444-7296

Pawn Shops in Columbus, Ohio

It wasn’t that long ago that Columbus was considered one of the best places in America to open a business or raise a family. In fact, as late as 2009, one major monthly news magazine listed Columbus as the best place in the USA to start a family. That’s probably still the case these days, but Columbus was hit hard by the credit crunch and the collapse of the real estate market. If you were one of the people hit, here are some alternatives to taking out a loan with a high APR.

Big Sonny’s Pawn Shop Incorporated
3175 Cleveland Avenue
Columbus, Ohio 43224
614-268-1985

Auto Pawn USA
1560 Harrisburg Pike
Columbus, Ohio 43223
614-351-7296

Fast Cash Pawn Shop Inc
915 South James Road
Columbus, OH 43227
614-235-4125

Buckeye Pawn Shop
411 South Central Avenue
Columbus, Ohio 43223
614-274-5700

Pawn Shops in Beverly Hills, California

People throughout Los Angeles County and Orange County were among the hardest hit by the bad economy, so it should be no surprise that residents of Beverly Hills might need a pawn broker occasionally. Loanex, Valencia Loan, American Lending Group, and Beverly Hills Pawn Shop were the four highest rated local pawn brokers I could find. These lenders can put your jewelry and other luxury goods in hock. Those who skipped down should read how hocking goods works (above).

Loanex Jewelry & Loan
221 South Robertson
Beverly Hills, California 90211
310-289-8900

Valencia Loan & Pawn Shop
437 North Bedford Drive
Beverly Hills, CA 90210
661-310-2820

Beverly Hills Pawn Shop
222 N Canon Drive #200
Beverly Hills, CA 90210
310-276-5626

American Lending Group Inc
332 North Rodeo Drive
Beverly Hills, CA 90210
310-275-1711

Pawn Shops in Las Vegas, Nevada

Las Vegas is a place of dreams, but dreams-come-true and broken dreams. If you happen to fall into that latter category, these are some places in Nevada’s most famous city where you might be able to recoup some cash. Just remember that if Lady Luck wasn’t kind to you, use this money to get out of town quick, not try to start a new streak.

Ez-Cash Super Pawn
5910 West Lake Mead Blvd
Las Vegas, NV 89108
702-438-2123

Pioneer Loan & Jewelry Company
111 North 1st Street
Las Vegas, Nevada 89101
702-384-2970

National Jewelry Liquidation
3021 Business Lane
Las Vegas, NV 89103
702-739-6197

Sahara Pawn
2400 S Jones Boulevard #15
Las Vegas, NV 89146
702-253-7296

Pawn Shops in Minneapolis-St. Paul, Minnesota

Minneapolis and Saint Paul are two cities I continually see on lists with a high rate of credit card debt. If you’re a borrower who needs cash quick without a credit check and you don’t want to go to a payday service, dealing collateral to a pawn broker might be a better deal for you,

Metro Pawn & Gun
7529 Lyndale Av S
Richfield, MN 55423-4011
612-204-2000

Pawn America
Multiple Twin Cities Locations
1-888-633-2274

Cash-N-Pawn
12475 Riverdale Boulevard Northwest
Coon Rapids, MN 55433-1731
763-712-1061

Gold Guys The
60 E Broadway
Bloomington, Minnesota 55425-5510
952-465-3489

Max It Pawn
815 Cedar Avenue South
Minneapolis, MN 55404-2219
612-206-3010

Max It Pawn
5445 Lakeland Avenue North
Minneapolis, Minnesota 55429-3116
763-533-4103

Immediate Confidential Cash
301 West Lake Street
Minneapolis, MN 55408-3026
612-823-1243

Pawn Shops in Boston, Massachusetts

Boston has its own share of hard-luck cases. If you happen to be one of those cases, consider a trip down to Washington Street, which has pawn shop after pawn shop. Don’t take out cash advances and payday loans. Instead, put up collateral for a secured loan or sell off you antiques for some liquid cash.

Hudson Jewelers
71 Stuart Street
Boston, MA 02116
617-338-8582

Aaa Boston Pawn
18 High Street
Boston, MA 02110
617 633 3399

Gem Resources
333 Washington Street #508
Boston, Massachusetts 02108
617-523-1116

Empire Loan Company
1130 Washington St
Boston, MA 02118
617-423-9366

How to Find Pawn Shops in the US

This isn’t a full list of cities, but it should get people started pawning their heirlooms and gadgets for the money to keep going. Those who don’t like in the cities above can find pawn shops in their local areas. The Yellow Pages has an official website and all you have to do is add your city with the words “pawn shop” in the search box. Then you’ll have your choice of pawn brokers.

Site Map

By that, I mean that there’s a method to my madness. These various credit and debt articles aren’t just isolated parts to be taken separately, but fit together to make up a larger, consistent framework for how to budget your life.

This isn’t just about quelling an impulse buy here or there, or otherwise getting rid of the momentary urge to max out your American Express card. It’s about changing your lifestyle, at least for the length of time it takes to pull your household’s finances out of the proverbial ditch.

Today, I wanted to discuss living with no credit cards or spending with little credit card usage.

Environmentalists and ecologists talk about a person’s carbon footprint. So let’s talk about your credit card’s “plastic footprint”–how much of an impact your credit cards have on your life (I suppose).

The five articles in this batch offer tips for getting through life with bad credit or no credit card. With cash, debit cards, and a little bit of planning, you can make most of your purchases today. I’m not suggesting you completely cut yourself off from your VISA credit and Mastercard credit cards, but I am suggesting those who have mounting credit card debt should start finding alternative to the credit grind.

• No Credit Card Dish Network – For those who want to get satellite television but don’t have a credit card, don’t want to use their VISA or Mastercard online, or don’t want a credit check. This pre-paid satellite dish plan gives you an alternative that requires no use of a credit card whatsoever. End you dependence on plastic and continue to watch the programming you enjoy the most. Entertainment does not require you to deal with a credit card company.
• Credit Free Dating Sites – This article focuses on the online dating industry and how you can meet other singles on the Internet without a credit card. Most online dating websites allow people to join the community for free, but most of those same communities require a person to pay a monthly fee in order to contact other singles. Sure, you can respond if the paying members find your profile irresistible and starting sending you notes, but most of the time, the free option sucks. This list of 30 singles websites includes Christian dating, pagan dating, Jewish singles, disabled singles, HIV dating, dates with other sufferers of herpes, and ethnic dating groups like Ukrainians, Chinese, Arabs, Indians, and Greeks.
• Free Legal Advice and Pro Bono Lawyers – Broke people needing criminal trial lawyers are just assigned an attorney by the court system, but those in civil court who don’t have money are out of luck. This articles tells you how you can contact pro bono lawyer associations so you can get civil and divorce lawyers with no credit check, or even without an expenditure whatsoever. Don’t have your life adversely affected by having a bad lawyer or no legal representation. If you have a good enough case, you can get a free attorney instead.
• No Credit Card iTunes and Free Apps – One of the most-asked questions is how people can download free apps and free music from iTunes without using their credit card. What’s so frustrating for so many song lovers is the Apple iTunes store claims they can get on the site and download free apps and tunes without a credit card, but that doesn’t always seem the case when put to the test. This tutorial tells you how to get free things for your iPod, mp3, iPhone, iMac, Macbook Pro, and iPad without a credit card–and why there’s so much confusion. This is the answer you’ve all been waiting for.
• Rentawreck No Credit Car Rentals – This page lists the American cities with Rent-a-Wreck auto rental locations. Roughly half the US states have a RentaWreck and some have up to 18 locations, so you can find a nice alternative to Avis, Hertz, and National that takes cash and debit. They offer cars, trucks, motorcycles, and SUVs like any of the big national chains, but RentaWreck uses vehicles with roughly 40,000 to 70,000 miles on them–about like the rest of us. This company, originally based out of Los Angeles, even partners with local auto repair shops and local dealerships to help lower prices. Renting at RentaWreck helps local communities instead of lord-knows-what.

No More Credit Card Slavery

These five resources should give you ideas for other ways to get rid of your credit card dependence. Plastic is good to have around, because it’s convenient and reasonable use of its charging power lets you build up a credit score for the big purchases in your life: cars, houses, and the other big life events. But that doesn’t mean you have to depend on your credit card for every transaction. If you have bad credit or no credit, you can use these methods to limit your credit card charges to the basic necessities until you get things turned around.

Site Map

Getting advice for quick fixes after the fact helps in many ways. It’s good to limit the damage when your debt liability starts to spiral out of control. But until you get smarter about your finances, you’ll only be treading in the proverbial water. Stop looking for life preservers and start swimming to shore.

These five articles discuss your debt situation or other financial difficulties, but they do more than just offer tactical suggestions and credit advice.

Several of them provide long term solutions for how you budget your life.

The world is full of possibilities for helping yourself, but you must learn what you need to do and then seize the opportunity.

In most of these cases, private and public institutions exist to help those who help themselves.

The final entry of the five doesn’t offer a lot of solutions, but serves as a warning for those who go down the path of debt consolidation without their eyes wide open. Actually, being able to spot a con artist is a skill unto itself. I have friends who haven’t figured that out in decades of living.

Absorb this advice and you’ll be better equipped to deal with the financial challenges that come your way in the years to come. No matter how good of a planner you are, economic obstacles will present themselves. Learn skills to cope better with challenging situations.

• What Is an Individual Development Account – If you live at or near the poverty level or you consider yourself among the “working poor”, but you want to begin a savings account, the IDA is the best way to go–hands down. The IDA helps you save either for your child’s college, to afford a home mortgage, or to open your own small business. When you put cash into your individual development account, that money is matched by a third party (besides you and the bank). That third party can be either a public or private organization. In this article about IDA funds, I discuss how the IDA laws came into being, which states fund their own individual development accounts, which citizens qualify for special federal IDA programs, and which private organizations help people build wealth for the future.
• Free MIT Courses through OpenCourseWare – For those interested in self-improvement or getting smarter, you can take free college courses from the Massachusetts Institute of Technology. The classes I link to are those involving personal finance and economics, but you could learn a whole range of subjects. These are the same materials real MIT students use, including reading, lesson plans, and video lectures. Of course, taking these courses don’t mean you earn college credit, but you can get the equivalent of a university education in micro-economics from one of America’s most respected learning institutions without leaving the comfort of your own home. Distance learning has come a long way with Open Courseware.
• Most Costly Credit Card Mistakes People Make – These are the 32 mistakes borrowers make when dealing with credit card companies and the debt collectors those companies send after them. This includes everything from getting taken in by the introductory rate to sending the wrong type of reply to debt collection letters. The best thing is I link to 32 nonprofit debt counseling companies who have your best interest in mind–not just making a profit off of your financial problems. Read the tips, but use the links to start turning your life around.
• How Should I Consolidate My Student Loans? – In this case, students and former students saddled with crushing college loan debt can get Special Direct Consolidation Loans from the Federal government that cost less and, most important, are not predatory. Take the help that’s offered.
• Debt Consolidation Scams and the California Astrology Association – In this article, I compare the black hat debt consolidation companies to the California Astrology Association, a group I wrote a critical article about on another website two years ago. Calastrology sells things like the lottery spells to make you lucky at the lottery, curse spells to hurt bosses and coworkers, and whammy spells to break up marriages that are inconvenient for you. In other words, these people are complete charlatans–at least I hope they are. White hat debt settlement companies should not be offended by this comparison, especially if they decide to take their revenge by going to the CAA and buying that $29.00 Krakow Spell.

Smart Solutions for Economic Troubles

The best skill a consumer can learn is how to spot a scam. Bad bargains siphon off money at the time when you need cash the most. So whether you’re learning how to invest for the future by doubling your deposits, learning about personal finance through open learning, finding the right consumer credit counseling firms by reading out 501k nonprofit groups, accessing the right government programs to consolidate your old school debt, or figuring out how to spot the wrong kind of debt settlement companies, you are getting smarter about your finances. Read the tips for how to avoid bankruptcy and insolvency, but also study the solutions that will assure you and your family are never in this spot again.

Site Map

Most people working for corporations are going to have the expenses paid by their employers. But when you’re a small business owner, independent contractor, consultant, or other type of paid professional, you might pay for your own flights.

Once you start adding the cost of interstate or international travel into the mixture, your budget gets blown up pretty quickly. There’s a way to save money on travel expenses, though. Finding cheap airline tickets is pretty easy, if you plan ahead and do a little bit of searching online for the right prices.

Most areas of the United States–and most countries around the world–have their own low cost airlines. So I came up with a guide for finding cheap airfare and travel fares for flights only.

Cheap for Business People or Family Vacations

This information can be user by vacationers wanting to find the least expensive flight tickets for vacations, holiday trips, and other excursions.

Nothing at any of these low-cost airline companies states you can’t book to fly if you’re a family of four taking the summer vacation. Nobody needs more debt relief than the average Mom and Dad trying to raise their children they way they were raised: with a proper summer vacation for family memories and bonding time.

My main purpose is to offer flight information to help the cash-strapped flier, though. Everybody needs a little economic boost right now, so hopefully this information finds its mark, whatever your travel situation looks like. With that in mind, here’s the cheapest low-cost airlines in America and the wider world.

• Southwest Airlines – Southwest Airlines out of Dallas Love Field is one of the big success stories of the low cost airline services. Southwest offers domestic USA traffic, Caribbean flights, and passage bound for Mexico.
• Frontier Airlines – This is a low-cost airline found in Denver, Colorado. You’ll find Frontier Airlines connecting to 76 destinations in the United States and Mexico, as well as stops in Costa Rica and the Dominican Republic. Frontier Airlines operates out of Denver International Airport and was founded in 1994. Frontier Airlines offers domestic flights in the USA, along with flights to Mexico and Central America.
• Spirit Airlines – Is found in Miramar, Florida in the Greater Miami metropolitan area and has bases in Latin America, the Caribbean, and Bahamas.
• JetBlue Airways Corporation – Jet Blue Airways is a low-cost air service out of Long Island City section of Queens, New York. JetBlue Airways is operated out of the JFK Airport, but also has operations at Long Beach Airport, the Fort Lauderdale-Hollywood International Airport, and Orlando International Airport. Jetblue offers domestic American, South America, and Caribbean routes.
• Virgin America – Since 2007 to the present, Virgin Airlines has operated Virgin America out of the San Francisco International Airport. Los Angeles International Airport is considered a focus city. Everyone who speaks English as a native language probably know that Virgin Group companies are owned by Sir Richard Branson, eccentric and highly successful English business magnate. Virgin America offers both domestic flights and flight to Mexico.

More Cheap Airlines

Those searching for more low-cost airlines in America might take a look at Allegiant Air out of Enterprise, Nevada (near Las Vegas), Sun Country Airlines out of Mendota Heights, Minnesota (near Minneapolis-St. Paul), and Vision Airlines out of Suwanee, Georgie. Allegiant Airways has domestic routes only. Sun Country Airlines has domestic flights, trips to Mexico, and Caribbean routes. Vision Airlines offers domestic routes as far west as Las Vegas, along with flights to the Bahamas.

Low-Cost Airlines around the Globe

For Canadians wanting to travel for cheap, other low-cost airlines () to consider are CanJet, WestJet, and Porter Airlines out of Canada. The United Kingdom has low-cost alternatives like Bmibaby, Flybe, Jet2 Com, and easyJet. Australia has regional air services like Virgin Australia, Jetstar Airways, and Tiger Airways Australia.

South Africa has an even large number of low-cost airlines with insanely cheap flights, such as South African Express, Velvet Sky, 1Time, Mango Airlines, and Kulula.com. Still others that are worth mentioning in a handful of other countries worldwide are Ryan Airlines (Ireland), Easy Sky (Honduras), Wizz Air Hungary Airlines Ltd (Hungary), and Mihin Lanka Ltd (Sri Lanka). China’s Spring Airlines, India’s Spicejet, and Japan’s Skymark and JAL Express all have their own versions of low-cost carriers.

Defunct Low-Cost Airlines

The list of defunct low cost flight services are too numerous to list, but I’ll mention a few of the notables from recent years. Skybus out of Columbus, Ohio gave a try to low-cost flights in 2007-2008, but the bad economy and rising oil prices caused Skybus Airlines Inc to go under. AirTran or ValuJet Airlines out of Orlando operated from 1992 to 2012, but was acquired by Southwest Airlines in March of 2012.

Cheapest Airfare

When you’re looking for cheap flights around the country, consider looking for special packages on junkets and holiday get-aways. Most of the cheap airfare experts tend to have everyday low fares and don’t have too many vacation packages, but you never know when you can find cheap travel from one of these low priced air carriers. Those looking to travel outside their home countries may be out of luck, but don’t forget to check the low-cost airfare on flights from companies in nearby countries. For instance, the Japanese low-cost airlines appeared to offer service to China. I’m betting low cost flight alternatives from Korea and other nearby Asian nations would do the same. The point being, finding the least expensive flights may take a little bit of searching, but the many airlines listed on this page should get you pointed in the right direction.

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In fact, with the proliferation of low cost online travel companies these days, you might find that flying with a cheap airfare service and booking cheap hotel rooms is a better plan.

So I want to look over the possibilities and suggest alternatives to that 1,000 mile trip in the SUV. I’m not sure if a plane trip helps with your carbon footprint or not, but I bet you can find low cost travel companies to book cheap hotel rooms for you. When you learn how to get the whole package at one price, you’ll probably be able to save on your family holiday and still have a fantastic set of memories for mom, dad, and the kids.

Good Travel Companies for Booking Cheap Trips

Below is a list of some of the top online companies for booking cheap hotels and low-cost travel. Companies like Priceline, Travelocity, and Expedia seems omnipresent, because they run a lot of commercials on television, radio, and the Internet.

Remember, just because William Shatner appears in commercials for a company, that does not means it offers any better prices than its competitors. Some of the best companies prefer to put their money back into their businesses and pass savings on to customers, hoping that word of mouth eventually spreads. So just because you’ve heard of a name, don’t assume you need to skip over the competition.

• Priceline
• Travelocity
• Hotels Com
• Orbitz
• Kayak
• Expedia

More Cheap Travel Companies

Those who want the full package or who want to know who partners with those famous companies above should take a look at these big international travel corporations. These often can book everything from a cruise to a railway travel to cars and trucks. Some of these travel booking companies schedule reserve airfare, hotel rooms, and even ferry travel.

• Sabre Global Distribution System – GDS – Works with Ameriacn Airlines, Expedia, Travelocity, American Express, Lastminute Com, Hogg Robinson Group, Frontier, GetThere, Carlson Wagonlit Travel, and BCD Travel to book passengers and tourists. Sabre works through 55 thousand travel agencies, 400 airlines, 88 thousand hotels, thirteen cruise lines, and twenty-four car rental brands. Sabre is found in Southlake, Texas (Dallas-Fort Worth Metroplex) and has over 9 thousand employees worldwide. These employees are spread of 59 different locations.
• Amadeus North America – Amadeus is a booking website located out of Madrid, Spain; Erding, Germany; and Sophia Antipolis, France. Amadeus is used to book train travel, hotel rooms, car and SUV rentals, airline fares, and ferry reservations. The site I linked to is their North American wing.
• Worldspan at Travelport – Travelport is a leading provider of critical travel “transaction processing solutions” in the global travel industry. This includes guides, functionality, technology, and services. Worldspan has the Ask Travelport function to give people information on the cheapest sources of travel everywhere in the world. Travelport has a universal desktop interface, a smartpoint app, and a universal API to help people get the travel info they need. Keep in mind that Travelport is owned by the next company, so if you notice Galileo gets a lot of recommendations, you’ll know why.
• Galileo at Travelport – Travelport owns Galileo and the one is found on the other’s website. Located in Atlanta, Georgia, they book cruises, hotels, train travel, and auto rentals. Let me warn you–at least on my computer, their website took forever to load.

It’s occurred to me that some of the people wanting to find cheap hotels might want to find cities where cheap hotel bookings can be found. This often changes with the season, so if you’re willing to travel off-season to destinations, you can find nice deals. The best trick to finding inexpensive hotel rooms is to figure out reasons these establishments would have to lure customers in. Let me give one prominent example.

Cheap Hotels in Las Vegas

Travelers can find cheap hotels in Las Vegas anytime of the year. You might think Las Vegas is a tourist trap and everything there is insanely priced, but hotels and resorts are in fierce competition to lure customers into their establishments.

You can find hotel rooms at the MGM Grand Hotel and Casino for as low as $70 a night. Rooms at the Monte Carlo Resort and Casino sell for as cheap as $56 per night. Book a room at the Excalibur and you might pay as low as $30–no joking. You’ll see these rates advertised online and you might think it’s some scam, but my sister’s family went to Las Vegas in the last few months and she assured me the Excalibur offered rooms the cheapest rooms. Here’s why.

A hotel wants you to stay in their resort for the night, because they want you to play in the casino. They’ll give customers a room for a little bit of nothing, knowing that most gamblers are going to stay in the area to play the slots or take a shot at the blackjack table. They assume whatever it takes to get you into a hotel room at the Excalibur, they’ll have a significant portion of your business. But if you go to Las Vegas and avoid wasting a bunch of money gambling, you can stay for some of the cheapest rates in the USA.

You won’t be staying at the best Las Vegas hotels, but you’ll be staying in resorts which are plenty good. Just avoid the money trap and you can have a vacation with a lifetime of memories. I know it’s fun to gamble, but those resorts exist because the casinos make money off of betting. When you bet, the money flows in, because the casinos have a legal right to set the odds in their favor. Don’t listen to anybody who tells you they have a system or they always win, because in either case, they don’t. I’m not saying they’re lying, but the human mind has a way of forgetting about the three gambling trips where you lost money, but always remembers that one time when you won big. It’s human nature.

Instead, turn a trip to Las Vegas into a sight-seeing tour. See the Vegas Strip. Walk through the famous casinos like the Bellagio and the Wynn hotels. Go see the Fremont Street Experience. Drive out to see Area 51. Save what money you have for a few well-selected Vegas shows. These are things your family will remember, not sitting in front of a slot machine hitting a button which says “Spin”.

Least Expensive Hotel Rentals

Other gambling resort towns may have the same system, though most of them are the only show in town (that is, for 200 miles or so), meaning they may feel no need to convince gamblers to stay at their hotel. Try the same in Atlantic City, Tunica, or Reno, but none have the unique dynamics of Sin City. When you’re talking about local Native American casinos in the middle of nowhere (like the Winstar Casino near where I live), you might not find much of a discount.

Gambling towns aren’t the only destination this might happen in. Ski resorts give discounts in the summer. Lake and beach resorts give discounts in the winter, and so on. These are often beautiful destinations, even when snow doesn’t cap the mountains or when it’s too cold to swim. Many are near famous golf courses or other famous attractions. Once you start thinking about destinations which would have reason to want your business or need your business during the offseason, you’ll find all kind of cheap hotels for rent.

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Essentially, are debt consolidators a scam?

On this website, I assume most of my readers have credit card troubles.

They either have no credit card and they’re trying to learn how to build up their rating or they have a history of bad credit and they want to find solutions for improving their score and getting out of the endless cycle of debt. In either case, I try to give good tips as a service to those readers.

When I’m not giving credit advice, I’m trying to point out ways people can do things cheaper or smarter. I’ll point out free things, good coupons, and the cheapest types of services and products. For those who can’t pass a credit check or have no chance of using a credit card to buy things, I try to give them alternative ways to buy products, services, and information with cash, debit, or alternative payment plans. I try to point the way to freebies when I can.

Debt Consolidation Companies

When it comes to debt consolidation or loan consolidation, I try to point out private nonprofit companies that offer similar services for lower prices or who don’t have a profit motive. I’ve pointed the way to plenty of federal, state, and local programs that help people get out of debt. I was proud to introduce the subject of individual development accounts, while I was happy to find good information on government-supported “student loan” consolidation loan programs.

Largely, I try to stay positive and upbeat and not criticize too much. People in financial troubles hear plenty of negative information and I’m convinced they’ll feel better and do better (ie, stop procrastinating) if you fill them with hope and information.

But today, I’m going to have to go negative for a minute. I do this because of a development in my own personal life. A while back, a friend of mine confided to me over lunch they were having debt problems. Apparently, they were having trouble making ends meet. They were about to be evicted. They had been taking out loans with the payday loan companies. Pretty much everything you could do wrong, they were doing wrong. They were hinting to me they wanted a personal loan.

Why Friends Don’t Let Friends Borrow

Now it seems heartless to say so, but I declined to take the bait. This person is or was a low-level professional in the real estate industry and has friends among the local lenders/business leaders. With the real estate market gone bad, he’s essentially out of a job in that field. So if the local banks aren’t willing to lend, this person is highly unlikely to be good for that money. Instead of helping a friend in need, I was being asked to keep this person up for a few weeks.

I know they’re desperate, but the problem with a friendly loan is its gets the person by for a few weeks, and then the trouble begins anew. If they couldn’t pay before, they almost certainly won’t be able to pay in 2-3 weeks, which is what he was hinting at.  After a month, we would have tension in the friendship. After a few months, my calls wouldn’t be answered. After a year or two, a big rift would form–all by trying to be a good friend. This friend of mine would burn one more bridge and I eventually would get a letter from a bankruptcy court listing me as a creditor and telling me I could face fines or jail if I discuss with this person the debts they owe me. I know how this game is played.

Offer Help in Other Ways

Instead, I offered my advice and know-how. I told my friend exactly what he should do and which resources were available that could help him get through this crisis. He pretended to listen and the lunch ended.  Since then, several months passed.

How do I know he didn’t take my advice?

Today, I get home and have a call from a payday loan company asking me about this person’s outstanding loan. Instead of taking good advice, my friend instead took out a payday loan and wrote my name down as a reference. I don’t mind being listed on such a form per se, since I have no legal obligations, but it very much disappointed me that this old friend apparently wanted a loan, but wouldn’t listen to my advice. I suppose he’s continuing to proceed with a debt consolidation that sounded risky to me. It’s like this person has a textbook for “what not to do” and is following it line-for-line. It’s a shame.

The fact is, the debt settlement experts my friend has hired probably sound real professional and can point to a lot of experience. Whatever I’ve done in my life and however much I know about this subject, I’m just an old friend to this buddy of mine. So he listens to what I think are scam artists and won’t listen to my sound advice.

So what does this have to do with the California Astrology Association? I’m getting there, but it’s going to take another anecdote.

Scams like the California Astrology Association

Back in 2010, the webmaster I was working for at the time asked me to write about a group called the California Astrology Association. At the time, I’d never heard about these people, but I was appalled when I started researching them. These people offered magickal spells that would curse their enemies.

These Castrology spells usually cost about $29.00, but they would re-cast the spell again in two hours for the double-whammy if you just paid $6. For 35 bucks, the California Astrology Association would help you seek retribution, “terminate” people, break up a couple, or put a magic charm on a person you admire, but doesn’t admire you. If I thought any of this was real, I’d have been horrified (and wouldn’t have written a criticism of their website). These are the worst kind of scammers.

Occasionally, this webmaster who posted my article on the CAA mentions that people continue to visit that site. They see this completely excoriating review of Castrology, which tells them straight out these people are lying to them. Then they click on the ads and proceed to go buy a spell. It occurred to me when I looked at that site a minute ago to find the link that all those advertisements are pro-astrology and the people are clicking to buy some such hoodoo juju.

The upshot: people believe what they want to believe. It reminds me of my friend with the debt problems.

What Debt Consolidation and Astrology Have in Common

Nobody in debt consolidation is quite that bad, but these companies sometimes drain off funds that a debtor would be better off paying towards their credit card debts. When you have a debt you need paid off, the best way to start making headway is to simply pay down the principal on the debt. If you make the minimum monthly payment, you’ll end up paying on the debt the rest of your life.

Even worse, if you stop paying altogether, the debt starts to spiral out of control quickly and your credit rating goes from bad to worse. If a debt settlement company tells you to stop paying your minimum monthly payment and put that money into a bank account in preparation for a debt settlement scheme, know that you’re being asked to sabotage your own credit score for the sake of this company getting their percentage of the settlement fee. It’s a bad idea.

I’m not saying all debt consolidation companies are bad. I’m not even saying most of them are bad. What I am saying is the ones which ask you to do specific harmful things should not be trusted, and you shouldn’t give them your money. If you don’t know what else to do with the few funds you have at the end of the month, use that to pay off as much of your credit card or student loan debts as possible. That’s always a help.

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Borrowers in the United Kingdom have economic assistance programs through the UK government which help them when they face bankruptcy or the unexpected loss of a job.

Among the British debt terms I want to talk about today are individual voluntary arrangements and redundancy payments.

The first of these mechanisms help you when you seem to face no choice but bankruptcy. Under the IVA program, you come to a debt settlement with your creditors. This debt agreement helps you chart a path towards financial solvency.

In the case of the redundancy payment, a former member of the workforce is given compensation when they lost their job through no fault of their own. Lump sum payments or continuing compensation payment is given under just the right circumstances.

Debt Explanations for the United Kingdom

I’ll cover both of these questions in brief today. I suggest anyone who wants to know more about IVAs or redundancy payments should read a whole lot more on the subject before coming to conclusions.

What Are Individual Voluntary Arrangements?

An individual voluntary arrangement is an alternative to bankruptcy in the United Kingdom. The IVA is a contractual agreement between a person and their unsecured creditors which spells out how a borrower intends on repaying their debtor’s. Individual voluntary arrangements are handled by an Insolvency Practitioner (IP).

An IP is a regulated profession in the UK due to provisions of the Insolvency Act in 1986.

People living in the England, Scotland, Wales, and Northern Ireland have the same debt consolidation and debt management options that Americans have, but UK debtors have one additional alternative to declaring insolvency and bankruptcy: the individual voluntary arrangements. The IVA might be your last resort before going to bankruptcy court, so talk to an IP and see what your options are. You might be wondering how best to find a good IP to help you with your individual voluntary arrangements, so here’s an option for you.

Insolvency Practitioner List

Insolvency practitioners do not have to be trained lawyers. In fact, more of them tend to be accountants. Nevertheless, IPs must meet certain standards are lose their status. Roughly 10 different organizations license insolvency practitioners in the British Isles. To look up UK insolvency practitioner information, go the Department for Business Innovation & Skills Insolvency Service page.

This database lets you check their individual insolvency register, learn about disqualified directions, find an official receiver, and find an insolvency practitioner. Citizens can also search the public interest database or check on bankruptcies with restrictions. Those seeking general information can also learn about redundancy payments. If you have a complaint around an IP or an insolvency service, the BIS website lets you file a complain about their conduct.

What Is a Redundancy Payment? – United Kingdom Unemployment FAQ

A redundancy payment is a statutory scheme in the United Kingdom to assure that those who lose their jobs through no fault of their own are assured a continuing income. “Redundancy” does not refer to every kind of firing or dismissal, but only those in which the person loses their job through downsizing, plant closings, or other such work conditions.

If you are let go from your work and someone else is immediately hired to fill that position, you do not qualify for redundant payment status. Also, if you haven’t worked at a job for at least two years, you cannot claim redundancy benefits. Your job must have disappeared from your location for redundancy benefits to apply. If you lose your job and more jobs are added elsewhere in your plant or office, this does not qualify. If you lose your career and the same corporation hires employees to do the same job elsewhere in the country or the world, you don’t qualify. You must have lost your employment, only to have that job filled in short order by someone else in that same office or plant, to qualify.

On the other hand, if you were let go because of your age, earnings, or length of service, you probably qualify for the redundancy program. This means your former employer might owe you a lump sum payment as compensation for firing you at no fault. Also, you could qualify for up to £400 per week in redundancy payments, depending on your circumstances. This status is reviewed annually.

How Do Redundancy Payments Work?

For every full year of service at a company before the age of 22 years old, you get 0.5 weeks of redundancy pay. For every full year under service between the years 22 and 40, you get 1 week of redundancy payment. Finally, for every full year of service you had at a company when your age was 41 or above, you receive 1.5 weeks of redundancy pay. Add all of these amounts together and you come up with a final amount you’re owed. The amount offered per week depends on the type of job you occupied and the wages or salary therein.

DirectGov Website

To learn more about your benefits and privileges involved with being a citizen of the UK, visit the address at DirectGov. This can help you learn about avoiding bankruptcy through individual voluntary arrangements, weather financial troubles due to job loss through redundancy payments, or learn how to secure your future through a number of other United Kingdom government programs.

IVAs and Redundancy Payments

The IVA laws and redundancy payment statutes are just two ways the UK and USA debt laws differ. Each systems has tried to strike a balance between consumer protection and business needs, though the British Parliament offers a few more social welfare programs than the American Congress or the 50 US states have done. Someone living in the UK should take full advantage of the system in place to assure their financial well-being and limit the damage that debt and unemployment do to their financial well-being. Good luck finding help in the UK.

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I’ll probably talk about the free classes on iTunes offered by schools like Stanford and Cal-Berkeley sometime too, but today I want to talk about the Open University.

Since the No-Credit-Needed Blog is about living with debt or ending your bad credit situation, I’m going to focus this discussion mainly on the personal finance courses you can take at the OU Learning Center.

I’ll also point out classwork which helps you institute change in your life, learn to integrate your work with life (the so-called “worklife balance“), developing your thinking skills, and learning to live with the Internet.

The great thing about free distance learning is you can start college-level studies and become a smarter, more skilled, more prepared person for life. The classwork I’m going to link to should help you get started, but you might find better learning possibilities for yourself. Use the Open University as a resource to build a better person that is you. You might be skeptical or think the Open University is some kind of money making scheme, so let’s discuss this for a minute (for Americans in the audience).

About the Open University

The Open University or OU was founded by Royal Charter in the United Kingdom in 1969 as a distance learning and research university. The Open University has an open entry policy (academic achievements don’t matter) for undergraduate courses. The first students enrolled in January of 1971.

Open University has 250,000 students enrolled, including 50,000 overseas. This makes The OU the largest academic institution in the United Kingdom by number. In fact, Open University is the largest academic institution in all of Europe–and one of the largest in the world.

The Open University is one of the only three United Kingdom higher education schools which has accreditation in the United States. All of this is in relation to the paid courses, but the Learning Center online resource includes free coursework. Let me mention that the free courses are not for college credit, but to hone your mind, prepare you for postsecondary studies, and let you learn for the sake of learning.

With all that in mind, let’s move on to the courses I recommend you start with, if you want to change your spending habits, learn about personal finance, and live in the new economy.

You and Your Money: Personal Finance in Context

The course You and Your Money: Personal Finance in Context may be the most important class you’ll ever take.

This isn’t some theoretical course, but a practical class which helps you develop financial skills and improve your understanding of the current economic environment and the financial decisions you make.

Many aspects of personal financial decisions are discussed, including why people borrow money and how you plan for retirement. Improve your financial capability by studying the key personal finance issues in your life and other people’s lives.

Personal Finance: Debt and Borrowing in Its Wider Context

The Personal Finance Course explores debt and borrowing in a wider context, discusses debt structure, loans, and other concepts associated with borrowing. Arm yourself for your financial future. The information contained in this course is about personal debt in the UK, so Americans might find a few discussions a little harder to understand, due to discussion of the British economy. It’s defined for a wider audience, though.

Money and Management

The Money and Management section is 634 pages including 12 study units from the LearningSpace website, including a video discussion of Google’s Matt Brittin on the value of data, Logica CEO Andy Green on Cloud Computing, or a hundred (or more) other subjects, including how to spend your money and retaining faith in capitalism. This is heady stuff in the economic arena from world famous, highly respected CEOs and money men.

Learning to Change

This ambitious 100 hour introductory class is called Learning to Change. If you have considered making a change in your life, this MIT course helps you start to implement those changes. Whether you’re wanting to start a new career or go back to school, this helps you build on what you know, consider the options at your disposal, achieve change using the skill set you have, and even start planning for the future.

Working Life and Learning

Working Life and Learning helps you take in what you’ve learned in your career and learn from the collective body of experiences. Do you want to improve how you learn on the job? Do you feel like you need a review of your skills, or your professional knowledge? This 25 hour course helps you do just that.

Extending and Developing Your Thinking Skills

This course teaching a person how to go about Extending and Developing Their Thinking Skills to help them learn better and analyze better. Most people think learning is all about absorbing information, but it’s more about “critical thinking”–that is, rational analysis of the information you learn. This course teaching you thinking skills through the use of tables, graphs, diagrams, flow charts, time lines, mind-map, sequence diagrams, and the all-important decision trees. This isn’t about study; it’s about high-quality thinking. It is a 6 hour introductory course.

Living with the Internet: Learning Online

Learning on the Internet is a completely different matter than studying in a traditional setting. The explosion of information is difficult for Google, Yahoo, and Bing to sort. How much harder is it for an individual to sort and turn into something useful? Living with the Internet: Learning Online gives tips and know-how for online study, including establishing a comfortable working environment, installing software, and file management (something I feel I still need to master). Living Online is a 4 hour introductory course. Using a Computer for Study is a 6 hour introductory class with a similar goal.

OU Distance Learning for Free

This is probably the last I’ll discuss free Open Courseware or free distance learning for a while. I wanted to have a series on educating yourself using free online courses based on live paid classroom work. I’ll go back to discussing no credit computer purchases and finding bad credit loans and apartments in the coming weeks. I hope these articles have helped a few people help themselves live happier, healthier lives.

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