Posts Tagged ‘Money’

Called Rehabilitation Mortgage Insurance and referred to as Program #14.108 in the Catalog of Federal Domestic Assistance, this program helps families repair or improve, purchase or refinance and improve existing residential structures more than one year old. These loans may be used to rehabilitate an existing 1 to 4 unit dwelling in one of four ways: (1) Purchase a structure and the land on which the structure is located and rehabilitate it; (2) purchase a structure on another site, move it onto a new foundation on the mortgaged property and rehabilitate it; (3) refinance the existing indebtedness and rehabilitate such a structure; or (4) rehabilitate such a structure. Contact your local office of the U.S. Department of Housing and Urban Development

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

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

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.

politicians all have people on their staff to help you find out where in the government you can go to get money or help. Because if they help you get what you want, they know you will vote for them forever no matter what they do. You don’t even have to know who your elected official is.

Visit: www.congress.com.

from the state of Missouri if you are a for-profit or non-profit. They can be apartments for the rich but you have to be interested in building apartments for middle income or lower income people.

Visit: www.mhdc.com/rental_production/prod_and_preservation.htm

…that’s what Vandi Lancour received from the State of Texas for her store in Amarillo, Texas and Cindy Sheets received a $50,000 grant from the state for her flower shop in Amarillo. Cindy says, the money allowed me to hire an employee and do additional advertising which enabled my business to grow by more than 100% within the past year. These grants came from the Amarillo Economic Development Center

Visit: www.amarillo-tx.com

this is what the Big Bark Bakery received from the Texas state government to help increase their business. The money can be used for marketing and even cash flow. Now who says the government has no grants for business? Take a look at the GO TEXAN Partner Program

Visit: www.gotexan.org

Called Federal Housing Assistance to Individuals and Households and referred to as Program #96.048 in the Catalog of Federal Domestic Assistance, this program provides grants to individuals and households affected by a disaster to enable them to address their disaster-related housing needs. The money can be used for the following: 1) Temporary Housing, 2) Repair, 3) Replacement, and 4) Permanent Housing Construction. Assistance not used for the specified purpose will be required to be returned. Contact Department of Homeland Security 245 Murray Drive, SW., Washington, DC 20528, 202- 282-8000

Visit: www.dhs.gov

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

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/

Called the Community Development Block Grants/Special Purpose Grants/Insular Areas and referred to as Program #14.255 in the Catalog of Federal Domestic Assistance, this program provides grants that can be used for housing and community development in the Pacific Islands of American Samoa, Guam, the Northern Mariana Islands, and the Virgin Islands in the Caribbean. Contact your local office of the U.S. Department of Housing and Urban Development

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

Called Community Development Block Grants/Entitlement Grants and referred to as Program #14.218 in the Catalog of Federal Domestic Assistance, this money can be used to develop viable urban communities, by providing decent housing and a suitable living environment, and by expanding economic opportunities, principally for persons of low and moderate income. To find organizations in your area who have received this funding, contact your local office of the U.S. Department of Housing and Urban Development

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

is available in less than an hour, at no cost and with no application to fill out. Low- to moderate-income families can earn up to 10 percent of the purchase price of their new home and never have to repay the money. The program is open to all homebuyers without regard to income, property price, or first-time ownership. Furthermore, the Harford Food Bank does not require the homebuyer to put money down or have cash reserves in order to qualify for gift funds. Homestead Trust, 3450 Ellicott Center Drive, Ellicott City, MD 21043, 410-480.1967

Visit: www.homesteadtrust.org/

is available in less than an hour, at no cost and with no application to fill out. Low- to moderate-income families can earn up to 10 percent of the purchase price of their new home and never have to repay the money. The program is open to all homebuyers without regard to income, property price, or first-time ownership. Furthermore, the Harford Food Bank does not require the homebuyer to put money down or have cash reserves in order to qualify for gift funds. Homestead Trust, 3450 Ellicott Center Drive, Ellicott City, MD 21043, 410-480.1967

Visit: www.homesteadtrust.org/

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/

Treatment prevention professionals, social workers, community organizers and more are eligible to apply for this money from the Robert Wood Johnson Foundation

Visit: www.saleaders.org/

is available from an organization called Strategic Environmental Project Pipeline Foundation (StEPP). They find grants and loans for small firms looking to grow

Visit: www.steppfoundation.org.

…I just did an hour Web seminar on the subject and you can hear a re-broadcast of the entire lecture

Visit: www.officedepot.com/promo.do;jsessionid=0000X0I05JR53YE25HHT5SYC4FA:ufnir5of?file=/promo/webcafe/index.html&template=promo

How can anyone forecast what the world will be like 6 months from now or 3 years from now? Most of us don’t even know what we will be doing next Thursday. So how is anyone going to be able to predict what a business will look like 2 or 3 years from now? So when someone asks you for a business plan in order for you to apply for money, just provide what they want and don’t worry about how accurate it is. The best experts in the world don’t know the future so why should you? If you need help with your business plan contact your local Small Business Development Center. The help is free or low cost.

Visit: www.asbdc-us.org/

If you find yourself interested in science and technology, this scholarship is for you. There are four types of technical scholarships available to current undergraduate students: General Scholarship, Women’s Scholarship, Underrepresented Minority Scholarship and Scholarships for Students with Disabilities. To find out more about this program, go to the link and read the Frequently Asked Questions. Go to the Microsoft Scholarship Program

Visit: www.microsoft.com/college/scholarships

AMBUCS offers scholarships ranging from $500 – $1500 annually to students in their junior/senior year in a bachelor’s degree program or a graduate program leading to a master’s or doctoral degree. There is also one two-year award in the amount of $6,000 offered. Applicants must be accepted in an accredited program in physical therapy, occupational therapy, speech language pathology, and hearing audiology.

Visit: www.ambucs.com/Ascholars.htm

If you are starting a business with just yourself, that’s at least one job and you can apply to the government’s Certified Development Company 504 Program. You can also get millions if you create enough jobs. The money has to be used for real estate, equipment or other kinds of fixed assets. You can’t use it for working capital. Last year this program couldn’t give out all the money it had available. Don’t let that happen this year. Find your local 540 Program office at

Visit: www.sba.gov/gopher/Local-Information/Certified-Development-Companies/

until you know exactly where you are going to apply for the money and what the application looks like. Most government grants for individuals for business, education or housing are not very complicated. But if you do get a complicated application.

Visit: www.cfda.gov/public/cat-writing.htm

or any other college for that matter. Or, you can learn a trade, or get your GED. The Lilly Corporation, who I assume makes drugs for bipolar disorder, funds about 72 people a year with this condition to further their education.

Visit: zyprexa.com/reintegration/reintegration_scholarship.html

Who would have thought that such money exists? That’s why I wear question mark suits! We would never think of asking for concrete money. But if you’re interested in making big money in the construction industry you should take a look

Visit: www.concrete.org/STUDENTS/STU_SCHOLAR.HTM#undergrad