Grants And Loans
Uncle Sam Will Co Sign an Adjustable Rate Mortgage
Called The Adjustable Rate Mortgages Program and referred to as Program #14.175 in the Catalog of Federal Domestic Assistance, this program provides mortgage insurance for an adjustable rate mortgage which offers lenders more assurance of long term profitability than a fixed rate mortgage, while offering consumer protection features. HUD insures lenders against loss on mortgage loans. 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. The maximum insurable mortgage loan for an occupant mortgagor is the same as prescribed for Section 203(b) – program 14.117. HUD insures lenders against loss on mortgage loans. 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. The maximum insurable mortgage loan for an occupant mortgagor is the same as prescribed for Section 203(b) – program 14.117. All persons intending to occupy the property are eligible to apply. All persons intending to occupy the property are eligible to apply. Contact your local office of the U.S. Department of Housing and Urban Development
Get Official Applications To All Federal Money Programs To Start A Business
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.
White House Internships Are Not What You Think
I’m sure this administration treats interns differently than the last one. College students, over 18, can work unpaid for up to 90 days and get a good look at power behind the scenes. To begin work in January you have to apply by October 31. Applications for the summer are due March 12
37000 Per Year To Get A PhD
Want to earn your Ph.D. in engineering, but can’t afford the rising costs of higher education? Earn your master’s or doctorate degree and let the EPA foot the bill. Through the STAR (Science to Achieve Results) fellowship program, get your graduate degree in a variety of environmental disciplines, including engineering, public health, and ecological sciences. You can have your tuition paid and have a nice stipend to live on! To learn how you can get your advanced degree paid for, contact the U.S. Environmental Protection Agency
Visit: 12.46.245.173/pls/portal30/CATALOG.PROGRAM_TEXT_RPT.SHOW?p_arg_names=prog_nbr&p_arg_values=66.513
Your City and County Governments
Local development groups, national and local non-profits and countless other non-governmental organizations offer free money, low interest loans and free services to entrepreneurs. We have even identified 150 such groups that offer money just to entrepreneurs that have no money. These can be the most difficult to find. Look at this database of non-profits that help entrepreneurs But don’t stop there. There are thousands more. Check your local library to see if they can help.
48 of Small Businesses Are Owned By Women
reported a study from the Center for Women’s Business Research. It also showed that women owned businesses are growing twice as fast as all other small businesses and the number of women owned businesses is increasing at a rate that is twice the rate of other small businesses.
Go On A Free Archeological Dig
The Lesko’s went on an archeological dig in Alaska and and you can too! Passport in Time is a volunteer archaeology and historic preservation program of the USDA Forest Service. You work with professionals on projects including archaeological excavation, rock art restoration, gathering oral histories, and more. Volunteers have helped stabilize ancient cliff dwellings in New Mexico, excavate a 10,000-year-old village site in Minnesota, restore a historic lookout tower in Oregon, clean vandalized rock art in Colorado, survey for sites in a rugged Montana wilderness, and excavate a 19th-century Chinese mining site in Hell’s Canyon, Idaho. You need to get to the site, but once there many offer free or cheap housing and meal options. To take advantage of this government opportunity contact: Passport in Time Clearinghouse, P.O. Box 31315, Tucson, AZ 85751; 800-281-9176
Visit: www.passportintime.com.
Nurses Receive Financial Help for Bills
The Nurses House financial awards assist with such needs as rent or mortgage payments, food, utilities, telephone and health insurance. When possible, Nurses House attempts to assist applicants in identifying other potential sources of assistance. Awards will vary depending on the applicant’s level of need. Contact: Nurses House, Inc., 2113 Western Ave., Ste. 2, Guilderland, NY 12084-9501; (518) 456-7858; Fax: (518) 452-3760
Visit: www.nurseshouse.org/
Free Help To Fight The Health Care System
You can call government offices and advocacy groups that will do your fighting for you or give you the needed weapons to do your own fighting. Before you call a lawyer, call these free offices: Your state Insurance Commissioner will help you learn your legal rights regarding insurance. Your state Medical Board will review your complaint and help resolve disputes. Your state HMO Board will also resolve disputes. You can also contact the Patient Advocate Foundation, 700 Thimble Shoals Blvd., Suite 200, Newport News, VA 23606; 800-532-5274; www.patientadvocate.org, or the Health Insurance Partnership program at Families USA
Visit: www.patientadvocate.org
30000 Grant To Start A Day Care Center In Mass
45000 To Start An Art Gallery
Echoing Green awards fellowship grants to individual entrepreneurs and two-person teams to fund innovative projects to bring about social change – everything from providing free legal assistance, to developing earthquake-resistant housing, to starting an art gallery in a Laundromat. Grants are $30,000 per year for two years for individuals and $45,000 per year per project for partnerships. For information contact Echoing Green, 212-689-1165
48000 Grant for Veterans to Adapt Their Home for a Disability
Called the Specially Adapted Housing for Disabled Veterans Programs and referred to as Program #64.106 in the Catalog of Federal Domestic Assistance, this program provides grants to certain severely disabled veterans acquire a home which is suitably adapted to meet the special needs of their disabilities. Contact your local Veterans Administration office at Department of Veterans Affairs, Washington, DC 20420, 202-273-7390
Town Offers Money For Home Repairs and Improvements
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/
The Dog Ate Your 100 Bill
Then get a new one! The Bureau of Engraving and Printing will replace currency if you have more than one half of the original note or if you have a good reason why you don’t.
College Cash
.free publications are available to help with filing our financial aid form to get money for college. The National College Access Network publishes booklets such as, Need Money for College?, Federal Student Aid, and College Preparation Checklist.
Visit: www.edpubs.org/ml/
7 Million For Investors Builders And Developers To Build Houses And Apartments
(14.188) Housing Finance Agencies Risk Sharing
10000 Grant to Fix Up a Home And Make it Healthier
Called the Health Homes Demonstration Grants and referred to as Program #14.901 in the Catalog of Federal Domestic Assistance, this program is designed to develop, demonstrate, and promote cost-effective, preventive measures to correct multiple safety and health hazards in the home environment that produce serious diseases and injuries in children of low-income families. HUD is interested in reducing health threats to the maximum number of residents, especially children, in a cost efficient manner. Healthy Homes Demonstration grants are intended to serve a broad array of beneficiaries including homeowners, rental property owners, and public housing residents. For information on where these programs are available in your area contact Ms. Ellen Taylor, Director, Healthy Homes Program, Office of Healthy Homes and Lead Hazard Control, 451 Seventh Street, SW, Room P3206, Washington, DC 20410, 202-755-1785, extension 116
Visit: Ellen_R._Taylor@hud.gov
Photos Of Grandpa’s Navy Buddies
For those who spent their military years on a ship or in service to the navy, pictures are available to help you remember those exciting times. The U.S. Naval Institute has over 450,000 photographs chronicling the Navy’s ships, battles, and major events. Ship name, hull number, and year of service are helpful in searching for prints. If you request a photo of a ship, make sure to ask for a free two-page history of the vessel to be included with the picture. To purchase a print contact U.S. Naval Institute, 118 Maryland Ave., Annapolis, MD 21402; 410-295-1022
Visit: www.usni.org.
Free Home Repair
Hosanna Industries construction program provides housing services to needy homeowners. They repair and rehabilitate the homes of low-income persons living in deteriorating housing in Pennsylvania. Contact Hosanna Industries
Visit: www.hosannaindustries.org
3000 To Pay Your Heating Bills and Weatherize Your Home
Two other grant programs for home improvement are the Weatherization Program and the Energy Assistance Program. The Weatherization Program helps to do some household repairs that will make your home more energy efficient. Linda Wildey stated that there is currently a list of people waiting for services, but they are put in order of need. Maximum household income is $14,925 per year, although they take into consideration medical expenses. The Energy Assistance Program will begin again in November and offers help with large heating bills. For more information contact Linda Wildey, Interlocal Community Action Program, 525 E. 7th St. P.O. Box 305, Rushville, IN 46173; 765-932-2863. For more information on Weatherization assistance, check out the programs at Weatherization Assistance Programs Branch, EE44, U.S. Department of Energy, 1000 Independence Ave., SW, Washington, DC 20585; 800-DOE-373. For energy assistance information, go to the Office of Community Services, Division of Energy Assistance, Administration for Children and Families, U.S. Department of Health and Human Services, 370 L’Enfant Promenade, SW, 5th Floor West, Washington, DC 20447; 866-674-6327 (toll-free)
Visit: www.eere.energy.gov/buildings/weatherization_assistance/
500 Extra Cash For College Kids
for writing a 500 to 1,000 word essay on what your dream goals are from an organization called Dream Workers at
Take A Free Grant Writing Workshop Instead of Hiring
a grant writer. The Florida Department of the Arts gives free workshops for those needing art grants.
Visit: www.florida-arts.org/grants/GrantwritingWorkshops.htm
Free Taxi Rides to the Doctor
If you are a senior or taking care of a senior, remember the government pays for elderly people’s transportation to the doctor. Their toll-free number is 1-800-677-1116 and can be reached from Monday through Friday, 9:00 a.m. to 8:00 p.m., Eastern Standard Time.
Visit: www.eldercare.gov/
Over 8000 for High School Film Students
A&E awards grants and scholarships to K-12 students and teachers. Support is given on a national basis and in Canada. There are two different award programs under this Foundation: 1) the A&E Classroom Program, which awards $500 to K-12 teachers that demonstrate creative classroom uses for A&E and History Channel programming; and 2) History Channel Awards in which A&E annually awards 3 scholarships of $5,000 to high school students and 5 grants of $3,000 and a school video library to teachers participating in the National History Day competition. Contact: A & E Television Networks Corporate Giving Program, P.O. Box 1610, Grand Central Station, New York, NY 10163-1610; (212) 210-1400
Visit: www.historychannel.com/classroom/awards.html; www.aande.com
500 to Help You Pay Your Bills
The Lion’s Pride Foundation’s emergency assistance grants offer up to $500 per year to individuals who provide sufficient evidence of need (e.g., water, electricity, mortgage bills). Contact: The Lion’s Pride Foundation, Inc., c/o Delhaize America, Inc., P.O. Box 1330, Salisbury, NC 28145; (704) 633-8250, ext. 2974 or ext. 3385; Fax: (704) 656-4162
Visit: www.foodlion.com