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- Government Grants and Free Money. With the economy in bad shape like it is these days, many people are experiencing financial hardships. As a result, the scammers are out in force, advertising their books and CDs that promise free money from the government for everything from paying your bills to getting out of debt, and more.
I'm getting a boatload of emails from people who want me to help them write a letter to apply for a government free money grant. Many others write to say that they need the right form to apply for a grant or that they have written a proposal but don't know which government agency to send it to.
If you need help, you may be eligible for various types of government benefit programs, which are often called grants. Most of these programs are administered at the state and local levels. You don't need a special book to find them, and you don't need to write a letter or a proposal to apply. But you will probably have to meet certain income or other types of requirements, and you'll need to be realistic -- despite what the scammers and books tell you, the government is not going to give you a handful of free money to pay off your credit card bills.
Below is a list of categories of benefits and assistance offered by the government. You'll find this listing along with links to specific programs in your state as well as federal agency programs and other resources. Just click on the link to go to the website.
(04/14/08 09:00 AM)
clipped from www.govbenefits.gov
Select categories of interest.
Select categories of interest. (Check all that apply)
Career Development Assistance Child care/Child support Counsel/Counseling Disability assistance Disaster relief Education/Training Energy Assistance Food/Nutrition Grants/Scholarships/Fellowships Healthcare Housing Insurance Living Assistance Loan/Loan repayment Medicaid/Medicare Social Security Tax Assistance Veterans-Active Duty Volunteer opportunities
- It's Not About Proposal Writing, But....
a couple of weeks ago I was contacted by CNN Money/Fortune about an article they were preparing for Fortune Small Business on "Funding Sources for Women and Minorities." I gave them some info and resources on government grants and other sources of money and then promptly forgot about it. The author didn't contact me to let me know that the article had been published -- I only found out about it through some referral links from the article to my website.
If you'd like to read it, the article is here.
Oh, and they spelled my name wrong. You'd think that the author or editors would check this sort of thing. But I guess not.
(03/03/08 09:01 AM) - Using Personal and Home Loans to Finance Your Small Business. If you own your own home and need to borrow money for your business, a home equity loan may be an option. As with any loan, there are risks, but home equity loans are unique in that if you default on ...
(08/28/06 09:02 AM)
- Who Can Apply for an SBA Loan?. This article was adapted from material on the U.S. Small Business Administration Web site. Before becoming eligible for an SBA loan, you must have been turned down for a conventional loan. Most small ...
(08/27/06 09:03 AM)
- VA Mortgage Loans: Do You Qualify?. The Veterans Administration mortgage loan program was created in 1944 as part of what became known as the GI Bill of Rights. The goal of the program was to help returning war veterans become home ow ...
(08/26/06 09:02 PM)
- Applying for an SBA Loan. From the Small Business Administration When applying for a loan, you must prepare a written loan proposal. Make your best presentation in the initial loan proposal and application; you may not get a s ...
(08/26/06 09:02 AM)
- Reducing Your Monthly Mortgage Loan Payments. Just about everyone would love to reduce their monthly mortgage payments. There are several ways to accomplish this, and one of them is likely right for you.
You can substantially lower your mont ...
(08/26/06 09:02 AM)
- Key Business Loan Issues. When you start a business, you generally have two ways to raise capital: loans and equity contributions. There are some obvious disadvantages to loans. They require you, for example, to pay back the l ...
(08/25/06 09:02 PM)
- SBA Loans for Home-Based Businesses. Getting financing for a new venture is never easy, and finding funding for a home-based sole proprietorship business is even harder. But the Small Business A ...
(08/25/06 09:02 PM)
- Vacation Home Mortgage Loans . If you thought getting a mortgage for a primary residence was difficult, it can be even more challenging to obtain one for a vacation home. To you, a second home conjures up images of vacation fun a ...
(08/25/06 09:02 PM)
- Finding the Best Mortgage Loan for Your Needs. Before you start shopping for a mortgage, you need to know where you stand financially. You will want to figure out exactly how much you can afford to pay each month, as well as how much you have av ...
(08/25/06 09:02 AM)
- When Can You Apply for an SBA Loan?. Before you can become eligible for an SBA loan, you have to apply (and be turned down) for a conventional loan from a commercial lender. At that point, you may be eligible under SBA's Loan Guarantee P ...
(08/24/06 09:00 PM)
- Five Ways to Pay Off Your Mortgage Loan Faster. Most homeowners would love nothing more than not to have to put that mortgage check in the mail every month. But trying to pay off your mortgage ahead of schedule is not something to be undertaken l ...
(08/24/06 09:00 PM)
- Using Debt to Finance Your Small Business. General When your corporation takes out a loan, it is incurring debt. Loans are a well-known and well-used method of raising capital. The biggest drawback to taking out a loan for your corporation is ...
(08/23/06 09:00 AM)
- Will Biweekly Mortgage Loan Payments Really Save You Money? . If done correctly, biweekly mortgage payments can save you substantial amounts of money. The idea is based on the fact that a monthly mortgage means you make 12 mortgage payments a year. But on a bi ...
(08/21/06 09:00 PM)
- Car Buying: Before Getting a Lease or Loan. Your three major alternatives when acquiring a vehicle are leasing it, financing it with a loan, or using your own cash to pay for it. Of course, when you pay for a car with your own cash, you're not ...
(08/21/06 09:00 AM)
- Inflation Is Everywhere. Inflation Is Everywhere
"AT THIS POINT I'D probably dislocate a shoulder if I tried to pat myself on the back for my terrific bear call on bonds — which have gotten absolutely trashed as long-term interest rates have risen from 3.97% less than a month ago to over 4.5% this week. I have to be modest about this because I've been bearish on bonds for so long, you'd be justified in saying that I'm nothing but a broken clock that's right twice a day.
On the other hand, it would be equally fair to say "better late than never." All the realities I've been talking about in this column for so long have finally begun to catch up with the bond market. By the way, I'm not the only one who has waited impatiently for this day of reckoning. As recently as a month ago Alan Greenspan called low bond yields a "conundrum" and an "aberration." "
- Get your small business loans now! When inflation rears it's ugly head rates rise. -ed.
(07/29/06 02:29 PM) - Vacation Home Mortgage Loans . If you thought getting a mortgage for a primary residence was difficult, it can be even more challenging to obtain one for a vacation home. To you, a second home conjures up images of vacation fun a ...
