Grants And Loans

Catalog Of Federal Domestic Assistance

This is the government’s major source of federal money programs. This is federal programs only. You can search by keyword or any other way you wish. We copy directly from this book. My first New York Times best seller was a cut and paste job from this book. You’re right I’m a plagiarist. But remember, nothing in the government is copyrighted. You can make money off of plagiarizing too.

Visit: www.cfda.gov

Create Your Family Tree

Tracing your family history has been made much easier with the creation of the American Immigration Family History Center at Ellis Island. Once you get to the website at www.ellisisland.org, all you need to do is create a user name and password, then you can conduct passenger searches. By typing in a last name, you will find all the names from ship passenger logs that matched. The passenger’s name, country of origin, age, and date of arrival are shown to help you create your family tree. You can then purchase the ship logs online. It couldn’t be easier!

Visit: www.ellisisland.org

Employees Volunteer to Get Cash Rewards

In addition to providing funding, the foundation supports community organizations by offering human resources through the WAVE program. WAVE is a volunteer program that helps Fannie Mae and Fannie Mae Foundation employees find volunteer opportunities and provide incentives for employees to participate in volunteer activities. Employees can receive up to 10 hours of paid leave per month to perform community service. The WAVE program also features a grants program called Dollars for Doers which matches employee volunteer hours with cash grants to the organizations for which they volunteer. Dollars for Doers grants range from $100 for 25 hours of service to $500 for 100 or more hours of service in one calendar year. The Employee Matching Gifts Program is another component of WAVE, which matches personal financial contributions by employees, up to $10,000 per year. Contact: Fannie Mae Foundation, 4000 Wisconsin Ave. N.W., N. Tower, Ste. 1, Washington, DC 20016-2804; (202) 274-8066 or (202) 274-8057 or (202) 274-8000; Fax: (202) 274-8100

Visit: www.fanniemaefoundation.org

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

200000 To Help Buy A Home In A Area Affected By A Base Closing

Called the Mortgage Insurance – Home – Military Impacted Areas and referred to as Program #14.165 in the Catalog of Federal Domestic Assistance, this program helps families undertake home ownership in military impacted areas. These loans may be used to finance the purchase of proposed, under construction, or existing one – to four-family housing, as well as to refinance indebtedness on existing housing. All families intending to occupy the property are eligible to apply. 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.

Visit: www5.hud.gov:63001/po/i/netlocator/.

Money to Buy or Build a Home After a Natural Disaster

Called Direct Housing – Natural Disaster and referred to as Program #10.445 in the Catalog of Federal Domestic Assistance, this program assists qualified lower income rural families to meet emergency assistance needs resulting from natural disaster to buy, build, rehabilitate, or improve dwellings in rural areas. Funds are only available to the extent that funds are not provided by the Federal Emergency Management Agency (FEMA). For the purpose of administering these funds, natural disaster will only include those areas identified by a Presidential declaration. Contact your local office of the U.S. Department of Agriculture Rural Housing Service at

Visit: offices.usda.gov/scripts/ndISAPI.dll/oip_public/USA_map

85 For A Year of Business Training for Women

Women with the desire to start or expand their own businesses can look to Women Entrepreneurs of Baltimore, Inc. (WEB) for the knowledge and resources needed to succeed. Elements of their Business Skills Training Course include financing strategies, business skills education, internet and computer use, community networking, government certification, and legal and tax requirements. Participants receive mentoring, business consultations, and additional resource referrals as part of the package. Applicants are prescreened to ensure that they have both a viable business idea and the entrepreneurial spirit necessary for success. Participants must attend 12 weeks of training, write a business plan, and intend to start a business before or within nine months after training is completed. For a year, graduates receive free technical assistance, resources, and support from staff and WEB’s extensive network of volunteers. WEB also helps clients finance their ventures – assisting in the preparation of loan application packages for loans up to $250,000 and finding an appropriate lender. Cost for the full program – only $85 to $325, depending on income. Contact: WEB, Inc., 1118 Light St., Ste 202, Baltimore, MD 21230, 410-727-4921

Visit: www.webinc.org/

Call 211 For Free Money

that’s right! I didn’t say 911, I said 211. It’s a hotline number the Federal Communications Commissions set up for communities to use to refer people to social services that provide medical help, job training, transitional housing, child care, help for seniors, rental assistance, and more. These numbers are operating in 23 states. Go to the phone and dial 211 to see if you have this service in your area or see

Visit: www.211.org

84 For Your Phone Bill

Link Up and Lifeline are two government programs that offer up to $84 a year in discounts on your monthly bill. Ask your phone company about them or contact your state utility commissioner. For more information on how to save money on your phone bill, contact your telephone company, your state regulatory agency, and/or the Federal Communications Commission (445 12th St., SW, Washington, DC 20554; 888-CALL-FCC

Visit: www.fcc.gov/cgb/getconnected/

Non Profit Credit Counselors DON’T Have Your Interest

at heart. That’s why they are being investigated by FTC and the IRS. Counseling agency officers make a lot of money with back office deals. They’re charging you fees to pay your bills. They make money from the credit card companies. They won’t tell you about bankruptcy.

Visit: www.ftc.gov/opa/2003/10/ftcirs.htm

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

Florida Businesses Can Get Grants

… to train their employees. No matter what your size you should apply for it because it’s money you don’t have to pay back. There is also money for Florida businesses who want to operate in the country or even in certain cities. Money, money, everywhere and all you have to do is apply!And look here for venture capital and other money sources.

Visit: www.eflorida.com/financialadvantages/default.asp?level1=29&level2=145®ion=ne

300000 to Make a Documentary Film

The primary focus of funding is independent documentary film. Grant awards for production typically range from $50,000 to $300,000 and provide partial support for documentary series and individual independent films. The gift funds are awarded both nationally and internationally. Contact: John D. and Catherine T. MacArthur Foundation, 140 S. Dearborn St., Ste. 1100, Chicago, IL 60603-5285; (312) 726-8000; Fax: (312) 920-6258

Visit: www.macfound.org

Money for Italian Americans

The Italian-American Community Services Agency awards grants to Italian-Americans in financial need and indigent individuals, including senior citizens. It had a total of $15,690 for grants to individuals. Contact: Italian-American Community Services Agency (formerly Italian Welfare Agency, Inc. ), 678 Green St., San Francisco, CA 94133-3896. Phone: 415-362-6423; website

Visit: italiancommunityservices.org/index.htm

Venture Capital

Some people consider this money from angels, but they are known in the business world as venture capitalists. These are individuals, government-sponsored organizations or private organizations who invest in your business because it is a good idea. These people also want to own a percentage of your business. So they really become your partner. But remember, the point is you want to get your business going. Who cares if you have a partner? If a partner is going to make it happen, it is better than sitting at home with no business at all. The federal government has two major venture capital programs. You can go to these web sites to get a list of government sponsored angels to contact: Venture Capital for Small Businessand Venture Capital For Low Income. But you can’t stop there. There are thousands of other private and public venture capitalists who help small businesses. A good starting place for locating these people is a good reference librarian at your public library.

Visit: www.sba.gov/INV/overview.html

Free Business Interns For Your Business

Let the government locate and pay for a skilled intern for your company! Through the Middle East Partnership Initiative, the government is providing talented young women from the Middle East with unique opportunities to learn management and business skills while working in the dynamic and productive U.S. business environment. With $14 million in funding available, this program handles the recruitment of management and entry-level professional interns, and covers the costs for travel, lodging, health insurance, and a stipend for a 3-6 month internship. To find out how your company can benefit from this program, contact U.S. Department of State, Harry S. Truman Building, NEA/PI, 2201 C Street, NW Rm. 5253A, Washington, DC 20520

Visit: www.state.gov/p/nea/rls/24795.htm

Learn About Government Contracts

Find out how to get a government contract. The government purchases more of anything than anyone else in the world and they do it all over the country. My sister has received over $300,000 in government contracts for her small picture framing business. I even read where the government spent $30,000 on a freelance priest. Learning how to get a $100,000 contract is better than learning how to get a $100,000 grant. A grant is only a one-time thing. A contract you can keep getting again and again. Your local Small Business Development Center can help you get government contracts. You can find your local office.

Visit: www.sba.gov/sbdc/sbdcnear.html

50 Discount For Law Enforcement Officers To Buy A Home

Called Officer Next Door Sales Program and referred to as Program #14.198 in the Catalog of Federal Domestic Assistance, this program strengthens America’s communities by providing homeownership opportunities to law enforcement officers in HUD- designated revitalization areas, and to improve the quality of life in these neighborhoods by their presence. Law enforcement officers may purchase HUD-owned single unit properties located in designated revitalization areas at a 50 percent discount off list price. Officers must agree to occupy homes as their sole residence for a period of 3 years. The officer must also agree to execute a second mortgage and note in the name of the Department for an amount equal to the 50 percent discount. This zero interest note will gradually decrease over the 3-year mandatory residence period until it reaches zero. Should the officer leave the home before the 1st anniversary of occupancy, 90 percent of the discounted amount will be due to HUD. Departure before the 2nd anniversary of occupancy will require a 60 percent repayment, and departure before the 3rd anniversary of occupancy will require a 30 percent repayment of the discounted amount. Officers must certify initially, and once annually, for each year of the occupancy term, that he/she continues to own and live in the home as a sole residence, and that no other residential real estate is owned. Contact your local office of the U.S. Department of Housing and Urban Development.

Visit: www5.hud.gov:63001/po/i/netlocator/

Get 10000 From Your Boss To Buy A Home

Some universities give employees $1,500 grants to help them buy a home. Companies in Minnesota are offering up to $15,000 to employees to buy homes. City governments in Washington offer employees $10,000 to help buy a home if they perform 100 hours of community service. Make sure you find out what your employer or potential employer has to offer. And learn more about programs like these at

Visit: www.npcr.org/copc/reports/copc3/copc3.html

Get 4 Interest Rate Reduction Subsidy

Called The Interest Assistance Program and referred to as Program #10.437 in the Catalog of Federal Domestic Assistance, this program provides a 4 percent subsidy to farmers and ranchers, who do not qualify for standard commercial credit. Guaranteed loans are serviced by a lender who has entered into a Lenders Agreement with the agency. The total loan limit for a guaranteed loan cannot exceed $731,000. Contact your local office of the U.S. Department of Agriculture Rural Housing Service.

Visit: offices.usda.gov/scripts/ndISAPI.dll/oip_public/USA_map