The Windows Registry Guide is full of registry tweaks, tricks, and hacks to optimize, enhance, and secure Microsoft Windows. This is really a wonderful site. There are dozens of mini-tutorials to make Windows do all sorts of nifty things. I really like this place.
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If credit card debt or student loan payments are killing you, I highly recommend taking a look at SoFi. Their low rates and incredibly quick and simple application process might be just what you need.