Grants And Loans

10000 to 2 Million In Venture Capital For Low Income Entrepreneurs

it’s not only Wall Street fat cats or bad business dot com ventures that get venture capital money to fulfill their entrepreneurial dreams. There are over 100 such venture capital organizations now whose goal is to get money to entrepreneurs who want to help low-income or other disadvantaged with good jobs, good services or good products. Go through the list at http://www.cdvca.org/fund_profiles.html and see which ones you should apply to. Remember venture capital is money you don’t have to pay back but they get a piece of the action and you get a partner.

Visit: www.cdvca.org/fund_profiles.html

Just Released Hot off the Press Free Money For Entrepreneurs

Lots of money. Lots of sources. Don’t miss out. Be the first in line to learn about those grants programs that the SBA says don’t exist. They don’t know everything. There are over 10,000 programs for people who want to start or expand a business including grants, low-interest loans, loans you don’t pay back, money when the bank says no. Plus hundreds of free services like free help with filling out money applications, free help getting government contacts, free legal help, free marketing help, and more. All you need to start or expand any business for less then $40… Order your copy today at

Visit: www.howtogetagrant.com/grentrepreneurs1

7500 Grant For Seniors to Fix Up Their Home

The Rural Housing Repair and Rehabilitation Grants Program provides loans and grants to very low-income homeowners to repair or improve their homes or to remove health or safety hazards. Applicants must be 62 years of age or older and must have incomes below 50% of the area median. That can be up to $27,000 for seniors in Maryland, which includes most seniors I know. For more information or to apply contact the USDA Rural Development office

Visit: www.rurdev.usda.gov/rhs/sfh/brief_repairgrant.htm

100000 to Fix Up Homes in the Country

Called The Very Low Income Housing Loans Program and referred to as Program #10.410 in the Catalog of Federal Domestic Assistance, this program helps very low, low-income, and moderate-income households to obtain modest, decent, safe, and sanitary housing for use as a permanent residence in rural areas. Direct and guaranteed loans may be used to buy, build, or improve the applicant’s permanent residence. New manufactured homes may be financed when they are on a permanent site, purchased from an approved dealer or contractor, and meet certain other requirements. Under very limited circumstances, homes may be re-financed with direct loans. Dwellings financed must be modest, decent, safe, and sanitary. The value of a home financed with a direct loan may not exceed the area limit. Direct loans are made at the interest rate specified in RD Instruction 440.1, Exhibit B (available in any Rural Development local office), and are repaid over 33 years or 38 years for applicants whose adjusted annual income does not exceed 60 percent of the area median income, if necessary to show repayment ability. Payment assistance is granted on direct loans to reduce the installment to an effective interest rate as low as one percent, depending on adjusted family income. Payment assistance is subject to recapture by the government when the customer no longer resides in the dwelling. There is no funding provided for deferred mortgage authority or loans for deferred mortgage assumptions. Guaranteed loans may be made to refinance either existing RHS Guaranteed Housing loans or RHS Section 502 Direct Housing loans. Guaranteed loans are amortized over 30 years. The interest rate is negotiated with the lender. 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

Matching State Money for Your Business

The Rhode Island Economic Development Set-Aside-Program provides matching job-training funds to companies that relocate to or expand in the state. The funds may be used for new, full-time employee training through either customized or on-the-job training programs. The program also may be used to retrain or upgrade the skills of current employees. For more information, contact the Rhode Island Economic Development Corporation

Visit: www.riedc.com

Veteran Services

For All Your Veteran Benefits Questions: The U.S. Department of Veterans Affairs can be reached at 800-827-1000, or online.Your Very Own Advocate: The Washington Department of Veterans Affairs ranks among the nation’s leaders in the satisfaction of veterans claims submitted to the U.S. Department of Veterans Affairs. For more information contact Washington Department of Veterans Affairs, 505 E. Union #150/ P.O. Box 41155, Olympia, WA 98504; 360-586-1070; 800-562-2308.

Visit: www.va.gov

100000 To Buy Or Fix Up Houses In Older Areas Of A Town

Called the Mortgage Insurance – Housing In Older, Declining Areas and referred to as Program #14.123 in the Catalog of Federal Domestic Assistance, this program helps in the purchase or rehabilitation of housing in older, declining urban areas. Contact your local office of the U.S. Department of Housing and Urban Development.

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

80 Discounts On Dental Care

can be available from your local dental school. When I lived close to a school I used to use dental schools programs all the time. You get a student to work on you but they are senior students working under the watchful eye of a professor. Most importantly you get the latest in technology rather than old technology you may encounter in an established office. You can save a bundle. Find your nearest dental school

Visit: www.dental-resources.com/dented2.html

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

Don’t Wait ’til 2006 for Free Drugs

Or, if you are a senior having trouble paying for your Viaga or any other prescription drug, you don’t have to worry about how much in premiums you are going to pay for in the new Medicare Prescription drug program that only pays a portion of your drugs costs anyway, and doesn’t even start until 2006. There are current programs at state governments and even from the drug companies themselves where you can be making up to $40,000 a year, at any age, and get all of your prescription drugs for free right now.

Visit: www.phrma.org/pap/

2500 for BA MA and PhD Nursing Degrees

CampusRN, the leading employment website for nursing/allied health care students, and the American Association of Colleges of Nursing (AACN) have partnered to offer this new scholarship program for students pursuing professional nursing education programs. Established in April 2003, this scholarship program supports students who are seeking a baccalaureate, master’s or doctoral degree in nursing. Special consideration will be given to students who are enrolled in a master’s or doctoral program with the goal of pursuing a nursing faculty career, completing an RN to baccalaureate program (BSN), or enrolled in an accelerated baccalaureate or master’s degree nursing program. Applications are only accepted by e-mail. To apply, download the application from

Visit: campusrn.com/register/student_1.asp

1100 a Month For Prescription Drugs

Almost all drug companies offer drugs for free to those that cannot afford them. Each company has a different application procedure, and your doctor must sign a form. The medications are then shipped to your doctor for you. This could relieve you of your high prescription drug costs, so it is worth the effort. Look online for the drug company’s program, then fill out the application. Pharmaceutical Research and Manufacturers Association, 1100 Fifteenth St., NW, Washington, DC 20005; 202-835-3400

Visit: www.helpingpatients.org

Town Offers Money For Home Repairs and Improvements

Residents of Bensalem Township may be eligible to receive a loan to repair, improve or rehabilitate their home. The Bensalem Township Housing Program is open to all township residents who own and occupy a single-family home. Multi-family structures and rental units are not eligible. Maximum household limits apply. To be eligible, the gross annual income of a household of four cannot exceed $37,000.

Visit: www.bensalem-township.net/

See If Your Idea Will Sell

by taking a 4 week, 3 hours per week course for as little as $18. That’s what’s offered by the Nevada Microenterprise Initiative. It’s designed for new business owners who are thinking about going into business. It can cover topics like entrepreneurship, time management, conducting a market study, costs for starting a business and creating your 30-second commercial. Look for similar courses in your state by contacting your lead Small Business Development Centers office in your state.

Visit: www.nmimicro.org