Been a reader on here for some time. I didn't have much to add until now. I've been taking online courses, both for credit and non (MOOC) courses just for the knowledge. Now is the time to get serious though. Last year was a horrible year for me professionally, but I just realized that last year's bad news is this year's good news as I have the option for financial aid for school I would of never normally had. (and won't have again after next year most likely). So, time to get active. I hope I can add back at least a part of what I gain from the information here.