Topic: How & Why to Use an Effects Loop
Here's a great video from Phillip McKnight's extensive library of on-line gear talk. In this one, he capably explains why an amplifier's Effects Loop is soooo useful, and where to use it in the signal path:
https://www.youtube.com/watch?v=7Hi7fBwe5JM
This fully enables a guitarist to practice at home without angering everyone in the house with massive volumes, while still being able to enjoy all of the effects, distortion, etc. we all love so much. Enjoy!