Grants And Loans

Reverse Mortgages For Seniors

Called Reserve Mortgages For Seniors and referred to as Program #14.183 in the Catalog of Federal Domestic Assistance, this program enables elderly homeowners, 62 years of age or older, to convert equity in their homes to monthly streams of income – except for Texas – lines of credit. HUD insures lenders against loss on reverse mortgage loans. 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/

See If You Qualify For Your State Health Care Programs

Every state has a number of health care programs that are paid for by federal and state government funding. Most of the programs have income requirements, but the maximum income can go up to $40,000 or more for a family. Every state has a number of programs to protect people in financial trouble. There are programs to help pay for food, help pay for day care, and help pay for medical.

Visit: www.cbpp.org/1-14-04tanf.htm

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

Your Customer Can Get 100000 To Buy Your Product

the government will actually give them up to $10 million to buy your goods or services if they are from another country. It’s a program that promotes U.S. goods and services to be sold overseas. All you have to do is to find a customer overseas who wants to buy your stuff. And there are other offices in the government that will find you the customers.

Visit: www.exim.gov/products/directloan.html

Free Georgia Child Care Profile

The National Child Care Information Center provides state profiles that include demographic information about the children, families and child care in Georgia, as well as contact information for different state agencies involved in child care. The profiles also contain links to additional state and national resources.

Visit: nccic.org/statepro/georgia.html

Employees Volunteer to Get Cash Rewards

In addition to providing funding, the foundation supports community organizations by offering human resources through the WAVE program. WAVE is a volunteer program that helps Fannie Mae and Fannie Mae Foundation employees find volunteer opportunities and provide incentives for employees to participate in volunteer activities. Employees can receive up to 10 hours of paid leave per month to perform community service. The WAVE program also features a grants program called Dollars for Doers which matches employee volunteer hours with cash grants to the organizations for which they volunteer. Dollars for Doers grants range from $100 for 25 hours of service to $500 for 100 or more hours of service in one calendar year. The Employee Matching Gifts Program is another component of WAVE, which matches personal financial contributions by employees, up to $10,000 per year. Contact: Fannie Mae Foundation, 4000 Wisconsin Ave. N.W., N. Tower, Ste. 1, Washington, DC 20016-2804; (202) 274-8066 or (202) 274-8057 or (202) 274-8000; Fax: (202) 274-8100

Visit: www.fanniemaefoundation.org

Info On Government Money For Disabled Soldiers

is now available from a new government office set up to assist these soldiers in getting the help they need. Call800-833-6622. I hope the 800 number if more helpful than the web site because I wasn’t able to find any programs there that show people with disabilities how to get money to start a home business, fix up their home, go to school, find information from the best medical experts in the world at the U.S. National Institutes of Health, etc. Additionally, Iraqi War widows can get individual help from Lesko researchers.

Visit: www.armyds3.org

Truck Stop Employees Get 2500 to Go to School

The Bill Moon Scholarship offers twelve $2,500 scholarships to truck stop industry employees or their dependents in memory of truck stop industry founding father, Bill Moon. Students who plan on enrolling on a full-time basis in postsecondary studies at an accredited school are eligible. Contact: The NATSO Foundation, 1199 N. Fairfax St., Ste. 801, Alexandria, VA 22314; (703) 549-2100; Fax: (703) 684-9667

Visit: www.natsofoundation.org

1000000 to Build or Fix Up Housing for People with Disabilities

Called the Supportive Housing for Persons with Disabilities Program and referred to as Program #14.181 in the Catalog of Federal Domestic Assistance, this program provides for supportive housing for persons with disabilities. Capital advances may be used to construct, rehabilitate or acquire structures to be used as supportive housing for persons with disabilities. Project rental assistance is used to cover the difference between the HUD-approved operating costs of the project and the tenants’ contributions toward rent (30 percent of adjusted income). To identify if there are programs in your area, contact your local office of the U.S. Department of Housing and Urban Development. If the local office does not know what you are talking about, contact the main office at: Office of Housing Assistants and Grants Administration, Department of Housing and Urban Development, Washington, DC 20410, 202-708-3000.

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

Government Backed Graduated Mortgage Payments

Called the Section 245 Graduated Payment Mortgage Program and referred to as Program #14.159 in the Catalog of Federal Domestic Assistance, this program helps early home ownership for households that expect their incomes to rise. The program allows homeowners to make smaller monthly payments initially and to increase their size gradually over time. 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 Dental Care For Kids

Many dentists will provide free dental care. According to an American Dental Association survey, 75% of its members provide charitable care. You can find info on free kids dental services offered in your state. Just click on your state and see. Or contact the American Dental Association, 211 East Chicago Ave., Chicago, IL 60611-2678; 312-440-2500.

Visit: www.prnewswire.com/mnr/ada/10357

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

Get 50000 For Every Job You Create

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/

50000 Grant To Help People Who Need Jobs

The Able Trust give grants to non-profits and individuals who help people with disabilities get jobs including, including on-the-job coaching, supported employment, job skills-training, job development, employer outreach, ADA facility compliance, skills evaluation and programs leading to employment.

Visit: www.abletrust.org/links/agency_listings.shtml

Entrepreneurs Can Get Their Loan Payments Back

Flexible small business loans, training, and technical assistance are available to start-up businesses in Garret County, MD. The county’s Community Action Committee administers a comprehensive Microworks program for those looking to start a business. Microworks makes loans ranging from $500 to $15,000 and offers deferred repayment schedules. A portion of each payment made on time will be put into a reserve fund that will be refunded to the borrower upon total repayment of the loan. Technical assistance and educational services for participants include entrepreneurial training courses and seminars, networking meetings and opportunities, design and production of print materials, marketing and advertising plan creation, tax preparation, financial counseling, business plan preparation, and access to a complete lending library. Contact: Garrett County Community Action Committee – Microworks, 104 E. Center Street, Oakland, MD 21550. 301-334-9431

Visit: www.garrettcac.org/