Grants And Loans

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/.

Up to 1000 to Help Pay for Your Tuition and Books

The Alpha Epsilon Pi Foundation provides educational grants to individuals and institutions for educational purposes and to assist in paying for tuition and books. Grants range from $100 up to $1,000. Contact: Alpha Epsilon Pi Foundation, Inc., 8815 Wesleyan Rd., Indianapolis, Indiana 46268-1171; (317) 876-1913; Fax: (317) 876-1057

Visit: www.aepi.org

Get Extra Money to Train For a Better Job

You may be able to get up to $10,000, plus travel money, day care money, clothing allowance and more to take a few months to upgrade your skills so you can get a job that pays more. Contact your local One-Stop Career Center to see what money programs are available in your area for training.

Visit: www.servicelocator.org/nearest_onestop.asp

Wondering Where To Find The Best Customers For Your Business

Or where is the best place to put up a store? Or which surrounding zip codes offer the best potential for increasing sales? Or where to get a list of all the accountants in your area? You don’t have to hire a high priced marketing consultant to get answers to questions like these. You can tap into the government’s rich vein of free marketing data collected by the Bureau of Census and other government agencies. This is where the multi-billion dollar companies get their marketing data and it’s where the high priced consultants also get it and the resell it to clients at outrageous fees. To get detailed information about data available for your state call your local Census State Data Center in your state capital or go to

Visit: www.census.gov/sdc/www/

Your Business First Stop

The First Stop Business Information Center provides the small business owner and the prospective entrepreneur with a central point of information and contacts for state regulatory requirements for operating a small business. The primary objective of the center is to facilitate sustainable small business development in Georgia by offering a central location for determination of what licenses and permits must be obtained and maintained by individuals and businesses conducting their enterprises in our great state. Contact First Stop Business Information Center, 2 Martin Luther King Jr. Drive, Suite 315 West Tower, Atlanta, GA 30334; 404-656-7061; 800-656-4558

Visit: www.sos.state.ga.us/firststop/

Licensing Information

Obviously day care centers need to be licensed. To learn more about the licensing procedure and the requirements you must maintain in order to keep the license contact Department of Human Resources, Office of Regulatory Services, Child Care Licensing, 2 Peachtree Street NW, Suite 32.458, 32nd floor, Atlanta, GA 30303-3142; 404-657-5562; Fax: 404-675-8936; {www2.state.GA.us/Departments/DHR/ORS}. The rules and regulations can be found at

Visit: www2.state.GA.us/Departments/DHR/ORS/cclrules.htm

Laws Let You See Successful Grant Applications

Even at the state level there are laws that let you demand your rights to see copies of successful applications from people who already got the money. They may be called different laws in different states. In Ohio they’re called Sunshine Laws and they are published for everyone in a publication called the Yellow Book.They’re enforced by the state attorney general’s office. Check your state’s attorney general’s office if a state official ever tells you that you are not allowed to see an application. Remember, it’s your money the government is handing out in grants.

Visit: www.ag.state.oh.us/online_publications/2004_yellow_book.pdf

500000 to Be Creative

The MacArthur Fellows Program is intended to encourage people of outstanding talent to pursue their own creative, intellectual, and professional inclinations. In keeping with this purpose, the Foundation awards fellowships directly to individuals rather than through institutions. Recipients may be writers, scientists, artists, social scientists, humanists, teachers, entrepreneurs, or those in other fields, with or without institutional affiliations. Each fellowship comes with a stipend of $500,000 to the recipient, paid out in equal quarterly installments over five years. This is a national and international award. 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

An Extra 25000 For Your Arts Group

because small arts groups are having cash flow trouble in this tight economic climate, there are now easy loans being offered by some non-profits to help make ends meet.Find similar groups in your area by contacting your state department of arts and humanities located in your state capital.

Visit: www.govengine.com

Home Repair Grants and Homes At Below Market Cost

the Arlington Housing Corporation in suburban Washington, DC buys homes, which are in poor condition and renovates the home to sell to qualified first time home buyers at below market cost. Low interest loans and grants are available for home remodeling as well as assistance with down payment money.

Visit: ahc@ahcinc.org

Home Bargains At The IRS

The Internal Revenue Service does something else besides collecting taxes—they have homes available for sale. The properties have been seized or acquired for nonpayment of internal revenue taxes and are sold at auction to the public. You must check the web site for upcoming auctions. The web site will provide you with a picture of the property, address, minimum bid and other details. When you’ve found the perfect home, contact the office listed for more information on how to bid.

Visit: www.treas.gov/auctions/irs/real1.html

Business Incubators Are Bargains And

can provide access to money, flexibility for growth, counseling services, tax services and a lot of comfort in the beginning years of a business. These can be non-profit organizations or for-profit. They are something to consider if you are starting out. For more info or to locate incubators in your area contact: National Business Incubator Association

Visit: www.nbia.org.

3800 in Supplemental Money

Sallie Mae Fund Unmet Need Scholarship Program applicants must have a cumulative GPA between 2.5 and 3.0 (on a 4.0 scale) or GED average test score between 42 and 52. Must be a U.S. citizen and have a family adjusted gross income for calendar year 2003 of $30,000 or less. Applicant must demonstrate unmet financial need of more than $1,000 after the financial aid award package has been determined. Must be a high school senior or graduate planning to enroll or already enrolled in a full-time undergraduate course of study at an accredited post secondary institution. Application Deadline is May 31, 2004. Scholarship awards, ranging from $1,000 to $3,800.

Visit: www.salliemaefund.org/bridging/index.html