Grants And Loans
The difficulty of navigating through their home can leave a disabled person stranded and dependent on a caretaker. For example, transit services for the disabled will not pick up a resident unless they have a ramp accessible entrance, leaving some disabled people literally trapped in their homes. United Cerebral Palsy Association addresses this vital concern by providing free home modification for more than 400 people each year. UCP’s Architectural Barrier Removal Program allows residents greater mobility by widening doorways and installing wheelchair accessible showers and toilets. New ramps and railings make street access easy. UCP services allow disabled residents to move freely about their homes and enjoy a greater degree of independence and privacy.
Grants range from $1,000 to $7,500 for support of social services, higher education, music, museums, and medical needs. This foundation gives on a national basis. Contact: The Chazen Foundation, P.O. Box 801, Nyack, NY 10960
The Mutual Self-Help Housing Loan Program helps low-income households construct their own homes. Families perform approximately 65% of the construction labor on each other’s homes with professional supervision. This sweat equity reduces labor costs and the price of the home. Mortgage payments are 22 to 26 percent of the applicant’s income.
this is a non-repayable grants/gifts program available to first-time homeowners to cover down payment and closing costs. Also provided are free Homebuyer Education Courses, free Balanced Budget Spending Plans, free Credit Counseling Services as well as Post Purchase and Homeownership Maintenance Counseling to any resident in North Carolina. Income is not a limiting factor; however, all applicants are required to take the two educational courses provided by Home Grants. In order for a grant recipient to use Home Grants’ funds, they must be approved for an acceptable loan product that permits charitable organizations to provide gift funds. Contact: North Carolina Housing Assistance; (704) 385-3973
ERIC Clearinghouse on Elementary and Early Childhood Education (ERIC/EECE), University of Illinois, Children’s Research Center, 51 Gerty Dr., Champaign, IL 61820-7469; 800-583-4135; 217-333-1386
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
(14.139) Mortgage Insurance – Rental Housing in Urban Renewal Areas
My wife got over $100,000 of government money to do consulting right out of our home. My sister got over $350,000 from the government to frame pictures. They are both government contactors and they make good livings as freelancers. To be a freelancer in this country all you need are business cards, a phone and a desk, and the government will take it from there. There are free offices around the country that will help any freelancer get government contracts. The government buys more of anything than anyone else in the world including: legal services, web design, aerobic instructors, landscaping, cleaning, and even stand-up comics. And only 20% of this business is in the Washington area. Can you believe that one year the government even spent $30,000 on a freelance priest? Contact your state Office of Economic Development located in your state capital or your local Procurement Assistance Office who can match the product or service you are selling with the appropriate agency, and then help you market your wares effectively. To find the office nearest you, contact Small and Disadvantaged Business Utilization Office, Cameron Station, Room 4B110, Defense Logistics Agency, Alexandria, VA 22304; 703-767-1661
That is all I paid when my family and I were traveling in Prague in the Czech Republic this summer and my son had to see a doctor for an illness. This was not the co-pay, this was the entire cost and we didn’t have to wait. It was great treatment too. The cab ride cost more. I checked the worldwide statistics and it shows that we live a little longer but we have a higher infant mortality rate. What are we doing wrong???
That’s what Alan Greenspan’s Federal Reserve experts say. So, it’s not a bad idea to buy a year-old computer at half price or a 2-year-old computer at 66% off if you just want to search the web and do word processing. Computers 2 years ago were good enough to do that.
Last year over 81 banks received over $21million in free government money. So find the banks in your area and see how you too can get some of this money for your business.
Called the Dollar Home Sales and referred to as Program #14.313 in the Catalog of Federal Domestic Assistance, this program expands HUD’s partnership with local governments in helping to foster housing opportunities for low- to moderate-income families and address specific community needs. Single family homes that are acquired in foreclosure actions by the Federal Housing Administration (FHA) will be eligible for sale to local governments across the nation for $1 plus closing costs when the properties have been listed for at least six months and remain unsold. Local governments buying HUD properties for $1 plus closing costs may sell or rent them to low- and moderate-income families, to first-time homebuyers, or to groups that will use the properties to provide services such as child- care centers, domestic abuse shelters, job training centers, etc. Contact your local office of the U.S. Department of Housing and Urban Development. Look on the left-hand side of the page to search for your local field office.
the White House was happy this month because the number of people working is finally beginning to increase. BUT who’s doing it? It’s people starting their own business. Politicians were happy because 57,000 new jobs were created by businesses last month but the number of people starting their own business rose by 91,000.
the government will actually give them up to $10 million to buy your goods or services if they are from another country. It’s a program that promotes U.S. goods and services to be sold overseas. All you have to do is to find a customer overseas who wants to buy your stuff. And there are other offices in the government that will find you the customers.
the state of Arkansas offers a Medicaid waiver which can provide up to $7,500 to cover the cost of adaptive equipment for people with disabilities. Contact: Development Disabilities Services, Department of Human Services; 870-773-0563
Drug manufacturers offer a little known program to help those who cannot cover the cost of their prescription drugs. Some have strict eligibility guidelines, while others have pledged to help all those truly in need. A easy resource to locate the correct drug manufacturer and to learn more about the patient assistance program offered, go to the interactive website at www.helpingpatients.org. You can fill out the forms online. Your doctor will be contacted for the prescription, and the medications will be delivered to the doctor’s office. This month’s winner spends close to $1,000 per month on a variety of medications, with no prescription drug coverage.
Reach new consumers with government money! Through the Quality Samples Program, let the government help you transport and market your products overseas, with funding up to $75,000. With over $2.5 million in funds available, you can introduce new foreign buyers to your agricultural product with the help of the USDA. For more information, contact the USDA-FAS Marketing Operations Staff
Called the Assisted Living Conversion For Eligible Multifamily Housing Projects and referred to as Program #14.314 in the Catalog of Federal Domestic Assistance, this program provides financial assistance to private nonprofit owners of eligible developments designed for the elderly with a grant to allow the conversion of some or all of the dwelling units in the project into Assisted Living Facilities (ALF’s) serving frail elderly, as defined in Section 232(B)(6) of the National Housing Act. Contact your local office of the U.S. Department of Housing and Urban Development
Two other grant programs for home improvement are the Weatherization Program and the Energy Assistance Program. The Weatherization Program helps to do some household repairs that will make your home more energy efficient. Linda Wildey stated that there is currently a list of people waiting for services, but they are put in order of need. Maximum household income is $14,925 per year, although they take into consideration medical expenses. The Energy Assistance Program will begin again in November and offers help with large heating bills. For more information contact Linda Wildey, Interlocal Community Action Program, 525 E. 7th St. P.O. Box 305, Rushville, IN 46173; 765-932-2863. For more information on Weatherization assistance, check out the programs at Weatherization Assistance Programs Branch, EE44, U.S. Department of Energy, 1000 Independence Ave., SW, Washington, DC 20585; 800-DOE-373. For energy assistance information, go to the Office of Community Services, Division of Energy Assistance, Administration for Children and Families, U.S. Department of Health and Human Services, 370 L’Enfant Promenade, SW, 5th Floor West, Washington, DC 20447; 866-674-6327 (toll-free)
through a number of programs offered by U.S. Department of Agriculture for people who have low or moderate incomes.
Vehicles for Change solicits donations of used cars from the community and rehabs the vehicles for resale to eligible individuals and families. Vehicles for Change repairs the donated cars in partnership with Precision Tune and CertiPro Warehouse and provides them to qualified families for a nominal fee of $700-$950. Each recipient receives a 12-month loan to assist in the purchase of the car. Contact: Northern Virginia Family Services, Inc. 9842 Business Way, Manassas, VA 20110, 703-392-4901; Vehicles for Change Phone: (703) 533-2543
Helps owners or rescuers of Labrador Retrievers who are in need of financial assistance to cover various medical costs (surgery, treatment, medication) and help to cover rescue or transportation expenses. Funding is typically for up to 50% of the proposed treatment/therapy with a maximum funding per case of $2,000. Labrador Lifeline, Mequon, Wisconsin. Fax: (206) 289-5905
If you are a teacher and have student loans you simply cannot afford, this program is for you. The Federal Teacher Loan Forgiveness Program offers individuals who teach full-time for five consecutive complete academic years, in certain elementary and secondary schools serving low-income families, forgiveness of up to a combined total of $5,000 in principal and interest of their Direct Loan and/or Federal Family Education Loan Programs (FFELP) loans. For more information contact American Education Services AES/PHEAA, Attn: Loan Discharge, 1200 N. 7th Street, Harrisburg, PA 17102-1444; (800) 692-7392
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)
A change in the Balanced Budget Act of 1997 allows states to offer Medicaid to individuals who are working and who have a disability. Prior to this, states could only offer Medicaid to people with disabilities who were NOT working. The income limit goes up to $40,000 a year. Contact your state Department of Health to identify your Medicaid office. You can also check out the website of the Bazelon Center