u dont pay for an usb loader, u pay for a usb pen or an hard drive but not a usb loader,
u dont have a 4GB usb pen?
if u have u can load the game by usb
about the cios, didnt u read the sticky?about how to modify any wii?
cause u should have and the info is there...
edit:
about the games, no one else can help u since we already told you what the problem seems to be and how to solve it
about that cios question, well, thats just way off-topic and the answer is right in front of you in the sticky
so nothing else to say really, thread can be closed...