Buy and Hold investing is a great avenue to begin with as most people live their lives off of residual income. 

Wholly agree, we're trying to help people.

While you're reading, watching videos, talking to people online etc always have some way of taking notes.

Most people who advertise credit repair are just an agent for the real company that does the repair. 

Often people overthink this.

Many of the people that come are members of Lifestyles Unlimited so they sometimes talk about upcoming events for members only, but the meeting is open to everyone and they share some excellent information. 

This is a great place to learn and to connect with people so take advantage of all the great resources.

Realistically, to make the business work, they are hoping all the people who are using the "free services" to eventually go into banking where they can collect fees for anything bank related.

Which is not easy for possible for many people (like your husband).Once you really know what to do, the risk level drastically reduces.

Cities and communities are also cracking down on people using homes for this.