Grants And Loans

15000 Grant For Californians To Buy A Home Near Work

The Workforce Initiative Subsidy for Homeownership (WISH) Program provides grants to qualified homebuyers living in high-cost areas to enable them to purchase homes near their work. Under the WISH Program, the bank will provide up to $15,000 per household, matching up to $3 for every dollar contributed by the homeowner toward the purchase of the home. WISH funds must be used only toward down payment or closing costs in connection with the purchase of a housing unit to be used as the homebuyer’s primary residence. Terms for participation include: completion of a mortgage assistance program administered by a public or private entity; a household income of the homebuyer at 80% or less of the HUD area median income; contribution of at least 1% of the purchase price from their own funds; and completion of an approved homebuyer counseling program. For information on the Federal Home Loan Bank of San Francisco

Visit: www.fhlbsf.com

10000 To Buy A Van or Talking Computer

Learn how technology can help your disability and money programs to purchase equipment. Contact your state Office of Social Services or Vocational Rehabilitation or Rehabilitation Engineering and Assistive Technology Society of North America (RESNA), 1700 North Moore St., #1540, Arlington, VA 22209; 703-525-6686; 703-524-6639 (TTY)

Visit: www.resna.org

45000 To Start An Art Gallery

Echoing Green awards fellowship grants to individual entrepreneurs and two-person teams to fund innovative projects to bring about social change – everything from providing free legal assistance, to developing earthquake-resistant housing, to starting an art gallery in a Laundromat. Grants are $30,000 per year for two years for individuals and $45,000 per year per project for partnerships. For information contact Echoing Green, 212-689-1165

Visit: info@echoinggreen.org, echoinggreen.org

100000 To Help Buy A Mobile Home and a Mobile Home Lot

Called the Mortgage Insurance – Combination and Manufactured Home Lot Loans Program and referred to as Program #14.162 in the Catalog of Federal Domestic Assistance, this program makes possible reasonable financing for the purchase of a manufactured home and a lot on which to place the home. 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/

Free Help To Fight The Health Care System

You can call government offices and advocacy groups that will do your fighting for you or give you the needed weapons to do your own fighting. Before you call a lawyer, call these free offices: Your state Insurance Commissioner will help you learn your legal rights regarding insurance. Your state Medical Board will review your complaint and help resolve disputes. Your state HMO Board will also resolve disputes. You can also contact the Patient Advocate Foundation, 700 Thimble Shoals Blvd., Suite 200, Newport News, VA 23606; 800-532-5274; www.patientadvocate.org, or the Health Insurance Partnership program at Families USA

Visit: www.patientadvocate.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

Save 250 On A Speeding Ticket

Even the most elaborate of modern technology isn’t always 100% perfect all of the time. The report Police Traffic Radar, published in 1980, is still accurate and shows that all police radar tracking devices are not accurate all of the time. Such evidence can be helpful in the defense of your case. The laboratory also has information regarding alcohol breath testing devices, including Breath Alcohol Sampling Simulator for Qualification Testing of Breath Alcohol Measurement Devices. Both publications are free. Contact: Office of Law Enforcement Standards, National Institute of Standards and Technology, 100 Bureau Dr., Building 225, Room A-323, Gaithersburg, MD 20899; 301-975-2757

Visit: www.nist.gov; www.nist.gov/public_affairs/faqs/qpubs.htm

Money to Rehabilitate a Trailer Home Park

Called Mortgage Insurance- Manufactured Home Parks and referred to as Program #14.127 in the Catalog of Federal Domestic Assistance, this program makes it possible to finance the rehabilitation of manufactured home parks. Contact your local office of the U.S. Department of Housing and Urban Development

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

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

Make Your House Handicap Accessible

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.

Visit: www.ucp.org

Work Up a Sweat While Building Your Own Home

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.

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

Home Grants Program up to 10000

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

Visit: www.northcarolinahousing.org

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/

100000 Working From Your Kitchen Table

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

Visit: www.dla.mil

12 For A Doctor’s Office Visit

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???

Visit: www.nationmaster.com/cat/hea

Get a 100000 Home For 1 plus Fix Up Money

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.

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