Grants And Loans

10000 To Care For Grandma And Grandpa

Does your mom need Meals on Wheels? Is she having trouble paying her bills? Need a new roof on the house? Need extra spending money? Grandma needs free legal help to divorce grandpa? Want to know what programs exist for seniors? All these questions and more can be found by contacting the Eldercare Hotline at 800-677-1116. They can hook up seniors with all the resources available to them, and all it takes is a phone call. For more info contact the Administration on Aging, Washington, DC 20201; 202 619-0724

Visit: www.eldercare.gov

5000 Worth Of Free Health Care For Kids

Make up to $38,657 and get free health care for your kids. Almost every state now has a Children’s Health Insurance Program (CHIPS), which extends medical coverage to many children who may not be covered. Contact your state Department of Health to see what version of the CHIPS program is offered in your area; or call a new government hotline to help locate free health care for kids at 877-KIDS-NOW (toll-free 877-543-7669)

Visit: www.insurekidsnow.gov

Local Colleges Get Money to Fix Up Your Home

Called the Historically Black Colleges and Universities Program and referred to as Program #14.520 in the Catalog of Federal Domestic Assistance, this program assists Historically Black Colleges and Universities (HBCUs) expand their role and effectiveness in addressing community development needs in their localities, including neighborhood revitalization, housing, and economic development consistent with the purposes of Title I of the Housing and Community Development Act of 1974. The HBCU program also encourages greater citizen participation in the local/neighborhood planning process and, ultimately, in development of their localities’ and States’ Consolidated Plan for submission to HUD. Contact: Ophelia Wilson, Office of University Partnerships, Office of Policy Development and Research, Dept. of Housing and Urban Development, 451 7th Street, SW., Washington, DC 20410. Telephone: (202) 708-3061, extension 4390. FAX (202) 708-0309.

Visit: OPHELIA_WILSON@hud.gov

Money If You Have No Money And Want To Start A Business

these programs are hard to find but we have located over 150 such programs. They are normally non-profit organizations that are trying to help people start their own little small business. You’ll have to do a lot of searching to find them all. A good place to start is a free database that keeps track of some of these groups.

Visit: www.microenterpriseworks.org/services/PYEP/PYEPmain.htm

The US Government will pay your tuition

The Free Application for Federal Student Aid (FAFSA) form determines whether you are eligible for financial aid from the government. To apply, you must be enrolled in a university program. You must also reapply for aid every year that you are in school. The FAFSA form is most easily completed online. You can download the form online from their website, or call: 1-800-4-FED-AID (1-800-433-3243) 1-319-337-5665.

Visit: www.fafsa.ed.gov/

More Money for Job Seekers

When the average person hears the drumbeat that the budget has a $500 billion dollars deficit, they can only think of how, if in their own personal budget was this much in debt, they would never think of spending more money, no matter how good the idea was . But the House of Representatives just approved of an extra $6.7 billion for an additional 13 weeks of unemployment benefits. So if you’re one of the millions about to run out of unemployment benefits, get off the couch and investigate this new free money. Contact your Congressperson or Senator to see what the status is of that legislation called HR 3030

Visit: www.congress.org

800 For Your Security Deposit

Several states and more and more local organizations and even non-profits provide money for renters with grants or loans that can be used for security deposits. Programs constantly come and go but the state of Delaware has provided grants to nonprofit agencies to administer 2 security deposit programs. Two counties in Florida provide grants to cover deposits for people at certain incomes, and New Hampshire guarantees landlords the full amount so the renter can make payments on a security deposit. This information was collected from NLIHC, 1012 Fourteenth Street NW, Suite 610, Washington, D.C. 20005, 202/662-1530. To locate available programs in your area contact your state housing office or social services office, or your local reference librarian who can assist you in finding other organizations who might provide this assistance.

Visit: www.nlihc.org

2000 To Pay Your Dental Bills

There are close to 60 dental schools in the country that offer quality care at a fraction of the cost of private dentists. I used them for years. An $800 crown can cost you only $200. Sure you get a senior student, but you also get a professor who is better then most private practitioners. Most also offer payment plans.

Visit: www.datreview.com/dentalschools.htm?source=overture

Sources For Government Foreclosed Properties

If you are like 99% of all the other investors in the US who wish they had their money in real estate and not stocks and bonds during the past few years, or you heard about a friend of your brother-in-law who is making a bunch on foreclosed property, remember there is no magic in finding these properties. It just takes work. Here’s where Uncle Sam keeps the bargains.

Visit: www.hud.gov/offices/hsg/sfh/reo/homes.cfm

100000 or MORE to Promote Open Societies

The Open Society Institute offers grants to individuals both nationally and internationally. Grants are typically up to $100,000 but may be higher. The awards can be used to promote open societies by supporting an array of activities dealing with educational, social, legal, and health care reform, and by encouraging alternative approaches to complex and controversial issues. Grants are national. Contact: Open Society Institute, 400 W. 59th Street, New York, NY 10019; (212) 548-0600; Fax: (212) 548-4600

Visit: www.soros.org

4000 Grant To Paint Your Home

That’s what Canton, Ohio offers to very low-income residents – grants to paint their house or put on new siding. They feel that an investment like this improves the value of all the properties in the area. Sunnyvale, California offers some of their residents $400 in grant money to paint their homes. And if you’re over 60 or have a disability, you can get a $1,200 grant. See if your city or state offers a program like this go to

Visit: www.govengine.com

7500 Grant for Housing Repair

Rural Housing Repair and Rehabilitation Grants are funded directly by the Government. A grant is available to a homeowner who is 62 years of age or older. Funds may only be used for repairs or improvements to remove health and safety hazards, or to complete repairs to make the dwelling accessible for household members with disabilities. The amount of the grant is based on the applicant’s ability to repay and may be used in conjunction with the Repair and Rehabilitation Loan. The lifetime maximum grant amount is $7,500. Contact Mike, U.S. Department of Agriculture, Rural Housing Service, 1110 Amos Rd. Suite A, Shelbyville, IN 46176; 317-392-1394 Ext. 4. For more information on Rural Housing Programs, contact Single Family Housing, Rural Housing Service, U.S. Department of Agriculture, Washington, DC 20250; 202-720-1474

Visit: www.rurdev.usda.gov/rhs/

Scholarships For Early Care Educators and Providers

SCHOLARSHIPS is a statewide program that provides financial support for early care and education professionals so that they may expand their education in order to give high quality care to children in Georgia. The program provides scholarships for GED or remedial classes; technical colleges or other public or private accredited institutions to earn credit in early care and education or child development programs. Programs from a CDA through a Masters are eligible. The program also provides for a support stipend to go toward the cost of books, travel, school materials, and other similar expenses. Scholarships for Masters programs have a maximum of $1,000 per academic year. Early care and education directors, teachers, administrators, owners, and staff that work a minimum of 25 hours per week in a registered family child care home or child care center are eligible to apply. Applicants must also apply for Hope and Pell grants. SCHOLARSHIPS are awarded on a first come, first serve basis. For more information, Smart Start Georgia, 175 Twinnett Dr., Suite 370, Lawrenceville, GA 30045; 888-405-2238; 770-339-5199/5208

Visit: www.smartstartga.org

3000 To Operate a Roadside Fruit Stand

Through WIC and the Seniors Farmers’ Market Nutrition Programs, let the USDA bring you customers you might not otherwise reach. Simply apply to become an authorized vendor, and let the government do the rest. Coupons will be distributed to seniors and WIC recipients that you can then redeem for cash. To find out how you can start making more money, contact the USDA Food and Nutrition Service.

Visit: www.fns.usda.gov/wic/FMNP/FMNPfaqs.htm.

Free Money For Your Down Payment

If you are within a certain income and need help paying your heating bills, or need money to make your house more energy efficient, or need funds for urgent repairs, call your local Community Action Agency. There are about 1,000 of them around the country to help neighborhoods. They will also come out and check if your home or apartment needs to be more energy efficient. To find an agency near you, contact National Association of Community Action Agencies, 1100 17th St., NW, Suite 500, Washington, DC 20036; 202-265-7546; Fax: 202-265-8850. Also, your local utility can provide you with or refer you to other programs in your area to analyze your energy usage, recommend energy saving measures, provide fuel and utility assistance to retain or restore service, establish payment discounts based on income and usage, or establish affordable payment plans if you are in arrears. Contact your local utility company to take advantage of these services.

Visit: communityactionpartnership.com