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When was your chain last cleaned & lubed? As you say it's loose and don't know how to adjust it; I'm guessing a seized link or three from lack of maintenance? Sorry to be presumptuous but it's a common type of situation.
It's not a criticism, it's how we learn.
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The Smart Money: #1 - ATGATT, #2 - Training (machine skills and survival skills), #3 - The bike; whatever floats yer boat with the money you have left over 
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