Grants And Loans

Free Report On How To Beat 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

Visit: www.eeel.nist.gov/oles/oles_reports_publications.html

Grants to Native American Communities to Fix Up Homes

Called the Indian Community Development Block Grant Program and referred to ca Program #14.862 in the Catalog of Federal Domestic Assistance, this program provides grants to improve the housing stock, provide community facilities, make infrastructure improvements, and expand job opportunities by supporting the economic development of their communities. To identify if there are programs in your area, contact your local office of the U.S. Department of Housing and Urban Development

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

10000 Grant To Fix Up A Barn

or $15,000 to fix up an old house or office. These are grants offered by the state of Vermont so they preserve the history of the state. See http://www.dhca.state.vt.us/DHP/financial/grants.html. If you have an old house or structure check what your state has to offer in the way of grants and other help.

Visit: www.dhca.state.vt.us/DHP/financial/grants.html

60000 If Your Mortgage Payments Are Over 60 Days Due

the Pennsylvania Housing Finance Agency offers state residents a loan program designed to protect citizens who, through no fault of their own, are financially unable to make their mortgage payments and are in danger of losing their homes to foreclosure. Participants in the Homeowners’ Emergency Mortgage Assistance Program receive loans to help bring delinquent payments current. Continuing monthly assistance may be available as well. Total financial assistance maximum is $60,000, or 24 months of payments. Participants are expected to contribute $25 per month for payments during the term of the loan. Contact: Pennsylvania Housing Finance Agency, 211 North Front Street, P.O. Box 15530, Harrisburg, PA 17105-5530. Phone: 800-342-2397,

Visit: www.phfa.org/programs/hemap/index.htm

Working and Still Struggling Financially

You can be making up to $35,000 to $40,000 a year and still be eligible for government benefit programs. Like money for food bills, day care, health insurance for you or your children, fuel and utility bills, phone bills, and more. A non-profit organization called SEEDO is developing a web site so people can learn how to take advantage of these programs.

Visit: www.earnbenefits.org

5000000 to Build or Fix Up an Apartment Building

Called Mortgage Insurance for the Purchase or Refinancing of Existing Multifamily Housing Projects and referred to as Program #14.155 in the Catalog of Federal Domestic Assistance, this program provides money for existing multifamily housing projects, whether conventionally financed or subject to federally insured mortgages at the time of application for mortgage insurance. Only projects not requiring substantial rehabilitation are acceptable under this section. The estimated cost of required repairs may not exceed 15 percent of the estimated value after repairs or $6,500 per unit adjusted by a high cost factor, whichever is greater and may not involve the replacement of more than one major system. The program has statutory per unit mortgage limits which vary according to the size of the unit, the type of structure, and the location of the project. There are also loan-to- value and debt service limitations. Prevailing wage requirements under the Davis-Bacon Act do not apply to this program. Contact your local office of the U.S. Department of Housing and Urban Development

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

70 Discount On College Books

just like prescription drugs, college text books cost a lot less in Europe than they do in the United States so 2 enterprising college students have made a nice business helping students save big on school books. I have to tell this to my 2 boys who are in college …

Visit: See www.bookcentral.com

Over 2 Million Distributed To Early Child Care Teachers

Early childhood teachers, directors, and family child care providers benefit from INCENTIVE$, a statewide salary supplement program. However, the ones that truly benefit are the children as they thrive from forming and maintaining strong attachments to their primary caregivers. This program encourages those who work directly with young children to continue their work as well as increase their level of education. The following requirements must be met in order for the applicant to be eligible: hold a formal credential or degree related to early childhood care and education; work in a licensed child care center or registered family day care home; work with children 5 years or younger; work at least 25 hours per week and earn less than $14.45 an hour; and be employed at least 12 consecutive month at the same location. The annual amount of the supplement is between $400 and $2,000, depending on the type of degree or credential held by the applicant. For more information contact Smart Start Georgia, 175 Twinnett Dr., Suite 370, Lawrenceville, GA 30045; 888-405-2238; 770-339-5199/5208

Visit: www.smartstartga.org

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/

FREE Home Repair and Security Improvements

The Minor Rehabilitation and Home Security Program sponsored by San Diego County’s Housing and Community Development Department (HCD) assists homeowners with home rehabilitation, minor repairs, maintenance, and security issues. Eligible repairs include fixing broken windows, doors, window screens, sliding glass door screens, and/or fence and gate repairs; minor plumbing and electrical repairs; yard clean-up; painting; and the installation of wheel chair ramps. Eligible improvements in home security include the installation of security screen doors with deadbolts, solar motion sensor lights, floodlights, carbon monoxide detectors, carriage sensor lights, and dusk-to-dawn lights. Applicants must own and reside in a home located within select county urban areas. Contact: San Diego County Department of Housing and Community Development, San Diego, CA 92123 or visit their website at:

Visit: www.sdcounty.ca.gov/sdhcd/

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/

100000 To Buy Or Fix Up Houses In Older Areas Of A Town

Called the Mortgage Insurance – Housing In Older, Declining Areas and referred to as Program #14.123 in the Catalog of Federal Domestic Assistance, this program helps in the purchase or rehabilitation of housing in older, declining urban areas. Contact your local office of the U.S. Department of Housing and Urban Development.

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

Costa Rica Knows How To Buy Health Care

according to the World Bank, Costa Ricans spend an average of $273 per person, per year, on health care and have a life expectancy of 77.6 years. U.S. citizens spend and average of $4,499 per person per year on health care and have a life expectancy of 78 years.The U.S. spends more on health care than any other developed country, and there are 41 countries where people live longer.

Visit: www.worldbank.org/data/countrydata/countrydata.html

Free Prescription Drugs

Drug companies will give certain people who cannot afford their medications their drugs free of charge. Your doctor will likely have to sign a form, and then the company will ship the medications to you or the doctor. I just checked the web site for Phizer and you can have an income up to $25,000 and even get Viagra for free! They are all there except Tap Pharmaceutical. You call them at 800-830-1015. Many state governments also have financial help for prescription drugs free through the Patients Assistance Program.

Visit: www.helpingpatients.org/index.cfm

48000 Per Year To Get A Graduate Degree In Homeland Security

A lot of students complain to me that they have a hard time finding more for graduate school. Well this certainly looks like a growth industry and the government is willing to pay for you to get into it. The program is called Department of Homeland Security Scholars.

Visit: 12.46.245.173/pls/portal30/CATALOG.PROGRAM_TEXT_RPT.SHOW?p_arg_names=prog_nbr&p_arg_values=97.062