Grants And Loans
Drinking Water Hotline
Drinking water quality varies from place to place in the United States, but don’t trust a water filter salesperson to tell you how good your water really is. Ask the experts at the U.S. Environmental Protection Agency at 1-800-426-4791
100000 To Open A Business
in a small town in Minnesota. It’s not a grant but a low-interest loan. But what the heck. If someone is going to offer you $100,000 to get your venture going, take it any way you can. See the Rural Challenge Grant Program at http://www.dted.state.mn.us/01x02f.asp. The state also has a program that gives out $10,000 if you are a minority who wants to start a business in the city. Its called the Urban Initiative Loan Program.
15000 People A Month Get Grants For Down Payments
There are a number of non-profit organizations that provide grants to homeowners to pay for down payments and closing costs for buying a new home. These grants normally range from 2% to 5% of the purchase price of the home. These non-profits obtain their money from mortgage lenders and sellers. Housing regulations prevent sellers or lenders to give down payment money directly to buyers. More than 15,000 buyers a month receive grants through this program. To learn more about how this gift-assisted sale works, contact the national association of these organizations called Homeownership Alliance of Nonprofit Down Payment Providers, at 301-941-1907, or web.
Visit: www.downpaymentalliance.org
Local Colleges Get Money to Fix Up Your Home
Called the Historically Black Colleges and Universities Program and referred to as Program #14.520 in the Catalog of Federal Domestic Assistance, this program assists Historically Black Colleges and Universities (HBCUs) expand their role and effectiveness in addressing community development needs in their localities, including neighborhood revitalization, housing, and economic development consistent with the purposes of Title I of the Housing and Community Development Act of 1974. The HBCU program also encourages greater citizen participation in the local/neighborhood planning process and, ultimately, in development of their localities’ and States’ Consolidated Plan for submission to HUD. Contact: Ophelia Wilson, Office of University Partnerships, Office of Policy Development and Research, Dept. of Housing and Urban Development, 451 7th Street, SW., Washington, DC 20410. Telephone: (202) 708-3061, extension 4390. FAX (202) 708-0309.
Visit: OPHELIA_WILSON@hud.gov
10000 To Fix Up Your Home If
the government thinks your house is historically important because someone important stayed there or it is a typical representation of a structure of its time. Wisconsin alone has 120,000 houses like this that are eligible for this money.
Visit: www.wisconsinhistory.org/hp/architecture/tax_credit.asp
Reduce Your Student Loans
Get the payments smaller and reduce your interest. Get the info you need to do this from the U.S . Department of Education at
The Best Place For Free Or Discount Medicines
If you are having trouble trying to decide if it’s best for you to take advantage of the new Medicare prescription drug program or the traditional free drug program offered by the pharmaceutical companies, try a free computer search from a non-profit organization called Access To Benefits Organization. They are a legit non-profit trying to help people identify the best way to get free prescription drugs. For information on this program see
Visit: www.accesstobenefits.org/
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
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
Get An Extra 1000 to Help With a Burial
check with your local county government. Many local officials have grant money to help with problems like this. Hennepin County in Minnesota offers its residents help
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
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/
20000 For African American Entrepreneurs Under 30
.is available from the Miller Brewing Company. Every year they give out 6 grants at $20,000 each and 12 more at $2,500 each. One of the grant awardees last year was April Patrick of April Films in New York.
Visit: www.aprilfilms.net
13000 Lump Sum Student Loan Forgiveness
This program is offered to first, second or third year primary care medical residents who plan to practice full-time in an underserved urban area in Minnesota. Selected participants are eligible for four years of loan forgiveness. During each year that a participant serves as a physician in an underserved urban area for a minimum of 30 hours per week for up to four years, the ORHPC will pay directly to the participant an annual lump sum of approximately $13,000. To learn more contact the Minnesota Department of Health, Office of Rural Health and Primary Care, Attn: Loan Forgiveness Program Officer, P.O. Box 64975, St. Paul, MN 55164-0975; (800) 366-5424
Free Help Starting your Daycare
Fourteen Resource and Referral Agencies are located in Georgia to provide assistance in the start up of childcare centers. Help includes first aid and CPR training, consultations on planning day to day activities, and more. The closest one to Trion is: Child Care Resource and Referral Agency, 1202 N. Tennessee St., Cartersville, GA 30120; 770-387-0828
Visit: www.ganet.org/gccc/randr
10000 To Finish Your Degree
Talbot’s, a leading women’s clothing store, gives scholarships of $10,000 to five outstanding women who are determined to finish their college degree. Fifty additional candidates receive $1,000. The Talbot’s Women’s Scholarship Fund is open to women who are enrolled in a four-year or two-year college, university, or vocational school and have at least two remaining semesters to complete their degree. The applicant must have earned their high school diploma or GED before 1994. Only the first 1,000 applicant’s entries are considered. For more information, go to the Talbot’s Scholarship Fund website. The new application will be available in the fall of 2004.
Free Help With Health Insurance
if you are looking for coverage, or looking to solve a problem with Medicaid, Medicare or a private health insurance company there are groups throughout the country that will help you enforce your rights and get you satisfaction. See the Health Insurance Partnership at Families USA
1000000 For Investors To Develop Coops
(14.126) Mortgage Insurance – Cooperative Projects
Free Classes At Work To Become A Registered Nurse
if you work for one of the Dallas hospitals in the Texas Health Resources system. They pay for your classes and you take courses during work and wind up a registered nurse. It’s a way to increase the needed supply of nurses.
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
Money to Fix Up Apartment Buildings
Called The Multifamily Assisted Housing Reform and Affordability Act and referred to as Program #14.197 in the Catalog of Federal Domestic Assistance, it provides grants to retain critical affordable housing resources represented by the supply of FHA-insured Section 8 assisted housing and maintain it in good physical and financial condition while, at the same time, reducing the cost of the ongoing Federal subsidy. In carrying out the Program, HUD works with willing participating administrative entities (PAEs), owners and lenders to reduce Section 8 rents and operating expenses to true market levels and also provide for the project’s capital improvement needs. Contact your local office of the U.S. Department of Housing and Urban Development
Get A 5000 Grant To Help You Write A Grant
that’s what the State of Arizona gives to small businesses to help them get a $250,000 federal government grant to work on their invention. We can all use help in getting grants, especially the big ones. See if your state office of economic development offers this kind of grant to help you get a grant.
Visit: www.azcommerce.com/webapps/press/current_release.asp?sID=217
500000 If You Can’t Make A Profit On Your Apartment Building
(14.167) Mortgage Insurance-Two Year Operating Loss Loans, Section 223
Pick Up an Extra 500 to Pay Food Bills
if you are having a bad month and made only $1,000 this month as a single person or you are a family of four and made less than $2,100. This is what you can get from the U.S. Department of Agriculture Food and Nutrition Program. Millions must be eligible and never apply. We’ve all had a bad couple of months once in a while. See what the requirements are in your state to get this help
Visit: www.cbpp.org/8-25-03fa.htm
Add A Kids Room For Free
Building Together is a non-profit organization that fixes up homes for free. To see if you qualify contact 800-4-REHAB-9.
Visit: www.rebuildingtogether.com/find_program_near_you/index.shtml