Read the book "The Creature from Jekyl Island"
If you can't afford the book, PM me and I'll help.
It's factual, covers it all, has no BS and will help you out in life.
BTW, do you need a loan? I only got $20 but I can lend you $20,000 at interest. I'll give you an IOU, and you'll have to work for me to earn IOUs so you can pay me back. Only cost you $30,000 in IOUs. BTW, I run a sweat shop in India, prepare to move.
Online Pool Games, play for free - It's my own site.