Monday, December 29, 2008

A Fall Back Position...

Contact your local Small Business Development Center in your state. They offer free consulting that will help you find money, plan a strategy, and help you with any kind of management, technical or financial problem if you are a business or non-profit organization, or just want to start one. You can find your local office.

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Tuesday, December 23, 2008

$15,000 Loan Forgiveness Paid Directly To You!

This program is offered to individuals attending a program of study designed to prepare them to become a licensed dentist. Selected participants are eligible for up to four years of loan forgiveness. There is a minimum service obligation of three years. Each year a participant must deliver service totaling 25 percent of their yearly patient encounters to a public program or sliding fee scale patients. In turn, the ORHPC will pay directly to the participant an annual lump sum of approximately $15,000. For more information 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

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Monday, December 22, 2008

$85 For A Year of Business Training for Women

Women with the desire to start or expand their own businesses can look to Women Entrepreneurs of Baltimore, Inc. (WEB) for the knowledge and resources needed to succeed. Elements of their Business Skills Training Course include financing strategies, business skills education, internet and computer use, community networking, government certification, and legal and tax requirements. Participants receive mentoring, business consultations, and additional resource referrals as part of the package. Applicants are prescreened to ensure that they have both a viable business idea and the entrepreneurial spirit necessary for success. Participants must attend 12 weeks of training, write a business plan, and intend to start a business before or within nine months after training is completed. For a year, graduates receive free technical assistance, resources, and support from staff and WEB's extensive network of volunteers. WEB also helps clients finance their ventures - assisting in the preparation of loan application packages for loans up to $250,000 and finding an appropriate lender. Cost for the full program - only $85 to $325, depending on income. Contact: WEB, Inc., 1118 Light St., Ste 202, Baltimore, MD 21230, 410-727-4921

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Thursday, December 18, 2008

$5 Million in Grants to Fix Up Homes in Small Towns

Called the Community Development Block Grants/Small Cities Program and referred to as Program #14.219 in the Catalog of Federal Domestic Assistance, this program's primary objective is the development of viable urban communities by providing decent housing, a suitable living environment, and expanding economic opportunities, principally for persons of low and moderate income. Contact your local office of the U.S. Department of Housing and Urban Development

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Wednesday, December 17, 2008

$3,000 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)

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Tuesday, November 18, 2008

Scam! A look at google adwords advertisers

Last year we did a blog post about various individuals who run around the internet calling everything a scam or fraud while peddling a variety of items including multi level marketing, unregulated banking scams, questionable commodity investment's and real estate schemes. This year is no different except to say that there are many more than in the past.

To explain further: Every year in mid fall, famous names and product keywords are purchased in google/msn/yahoo/ask with the intent to mislead users from obtaining legitimate information about a person or product in order to gain the confidence of the victim (You).

It's easy to spot these ads as they usually claim they've been scammed or they reviewed the product or have a special report you really need to read. Generally the websites present unsubstantiated claims, poorly written personal opinions or flat out lies by the self proclaimed "expert". This is almost always followed by linked statements of "This is the only thing I've found that works" or something very similar. If you click the link you're taken to another page/website and handed a sales pitch for all sorts of rubbish that has nothing to do with your original search. In your mind you are thinking "hey this guy saved me from buying this product" maybe he's got something real here...

In this post we'll look at one ruse that Google apparently allows to advertise on over 400 keywords. The keywords purchased rarely match what the website is really peddling. Below is one ad (out of dozens) that occurs under the keyword "Matthew Lesko":

Looking at that ad, you would think that the author has some revealing details that you need to know before buying a Lesko book. Clicking on the link reveals the website is a front for something called the "reverse funnel system" which is routinely called an upside down pyramid scheme.

The shocking truth about Matthew Lesko turns out to be 4 misleading sentences and a plug for the reverse funnel system:

"Mr. Lesko will give you information on getting grants from the government for $60." Much of the information is outdated. He never really tells you how to apply. There are many bad reports on the internet about this man. I would stay away. Please check this out. "

Apparently this person has never seen the 2 year old government money club which is updated daily, has a librarian to help you find a program, costs $20 a month and does indeed show you how to fill out applications. As for bad reports, if you count websites like this... yes there are many misleading sites with bad reports. In reality, the only report that matters is the bbb which is clean after 25 years and millions of books sold.

If you poke around the site, there are dozens of people/products with "shocking truths" about them. Including an ebook called the Rick Jerk ... Which actually outlines exactly what this person is doing:

"I first found nothing, but self promoting information. I had to dig deep for the research. The Rich Jerk must be doing alright or he would not be able to block my Google searches with his thinly veiled advertisements. (What is this guy talking about?) Finally I found the dirt. The book has been reported as a total fraud. There is nothing worth anything in it. You cannot get a refund. I would stay as far away as possible. Here is a good deal. Try it."

I read the "Rich Jerk" ebook. I think it cost me $29. It wasn't the best nor was it the worst. It did outline techniques for getting products, advertising in Google, writing websites and of course how to claim everything is a scam. Some stuff was basic but the concepts are different. It's OK for beginners and experienced google advertisers who might be looking for a new approach or a rehash of things they already understand. As for no refunds, this book is sold by clickbank and they do give refunds (within 60 days).

What is a reverse funnel system?

Who knows? Most people involved won't explain it (which is a red flag). All I can say is that it apparently costs $50 to find out how to pay $3000 for a vacation club membership that also allows you to resell the $50 information and the $3000 membership while paying $300 a month for a sales website. Some people have reported a $5000 bill due for marketing purposes as well. Hmmm... our hero/expert above doesn't like $30-$60 books and is pointing you towards a minimum $3,350 bizop/mlm/inverted pyramid something... What a nice guy.

Here's the wikipedia description of what the reverse funnel system apparently is: This description matches several pages around the internet with posts from people who apparently got involved and wanted out.

Why does google allow misleading ads?

I don't know, but you can ask them:

In conclusion,

Google ads that scream scam rarely have your interest in mind and are hotbeds of misleading information. They're designed to gain your confidence by trashing whatever you are looking for. They tend to steer you towards products/services that may or may not be legitimate or even related to what you were searching for. Be very cautious of websites using this ruse.

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Thursday, November 13, 2008

Women Can Get 5,000 To Open A Business

That is what a non-profit organization called Women's Economic Self-Sufficiency Team ( provides if you are interested in moving to a nicer climate. It's money set aside for women who can't get money elsewhere. But this does not mean this is the only place to get money. Check non-profits in your area for similar programs.

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Monday, November 10, 2008

$50,000 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.

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Monday, October 27, 2008

$1,000 For Students Interested in Medical Assisting

The American Association of Medical Assistants (AAMA) offers the Maxine Williams Scholarship of $1,000 for one school year. High school graduates who are enrolled in or soon to be enrolled in a post-secondary medical assisting program which is accredited by the Commission on Accreditation of Allied Health Education Programs are eligible. Scholarships are awarded based on interest, need and aptitude.

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Friday, October 24, 2008

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

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Thursday, October 23, 2008

Millions more available from the government during recessions - Matthew Lesko

WASHINGTON -- As the Federal Government doles out billions of dollars to bolster up a faltering economy, many believe the government pool of giveaways has dried up -- but government money expert, Matthew Lesko, is not convinced.

Having closely followed the changing tides in the market for 30 years, Lesko has kept in-step with economic and political change, and understands the implications today's environment actually has on government spending.

"The economy is so bad, that the government will be giving away more money," says Lesko, "It seems like an oxymoron, but it's true."

In 2007, federal programs distributed over $1.8 trillion in grants, direct payments and other monies; a figure which then grew to nearly $2 trillion in 2008, and that fails to include the $1.6 in bailout money, stimulus packages and other dollars added by congress to date.

The answer is semantics.

While government officials are voicing concerns over budget cuts, in reality, their situations are not as harrowing as they may at first appear.

Like many things in Washington, the idea of "Budget Cutting" is not exactly as clear as it may seem to everyday taxpayers. In many cases, officials' budgets are not actually undergoing drastic reductions; rather, they will simply see smaller increases than previously forecasted -- instead of 6% growth, perhaps only 4% will be realized.

Many of these government programs are classified as "entitlements," which means that those who show up and maintain eligibility, are legally entitled to receive help, regardless of the government's debt level. These programs include Social Security, Medicare, Medicaid, federal employee and military retirement plans, unemployment compensation, food stamps, agricultural price support and hundreds of others.

With regards to programs that may potentially be in jeopardy of facing reduced funding increases, equilibrium is still typically found. These agencies will do everything they can to trim down extraneous spending without drastically interrupting services offered. "They'll instinctively cut back overhead expenses before reducing the amount of money they give out," Lesko asserts, "during past budget cuts, I've seen agencies go as far as cut out their 800 number just to save a few bucks."

"During hard times less people will apply for programs because they'll believe the 'cry wolf' headlines," says Lesko. If this is the case, then we're looking into an optimistic landscape for government grant seekers -- an ever-increasing giveaway platform and fewer individuals reaching out.

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Thursday, October 16, 2008

$20,000 Grant To Study Abroad.....

or you can get $10,000 to study for just one semester or about $5,000 to study during the summer. And remember the government cannot discriminate because of age. Wouldn't you like to take a summer off and study overseas.

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Wednesday, October 15, 2008

50% Discount For Teachers K-12 To Buy A Home

Called the 'Teacher Next Door Initiative and referred to as Program #14.310 in the Catalog of Federal Domestic Assistance, this program is designed to strengthen America's communities by encouraging public and private school teachers to live in low and moderate income neighborhoods. Teachers (State-certified in grades Kindergarten through 12th grade) may purchase HUD-owned single unit properties located in designated revitalization areas at a 50 percent discount off list price. Teachers must agree to occupy homes as their sole residence for a period of 3 years. The teacher must also agree to execute a second mortgage and note in the name of the Department for an amount equal to the 50 percent discount. This zero interest note will gradually decrease over the 3-year mandatory residence period until it reaches zero. Should the teacher leave the home before the 1st anniversary of occupancy, 90 percent of the discounted amount will be due to HUD. Departure before the 2nd anniversary of occupancy will require a 60 percent repayment, and departure before the 3rd anniversary of occupancy will require a 30 percent repayment of the discounted amount. Contact your local office of the U.S. Department of Housing and Urban Development

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Tuesday, October 14, 2008

Cars Available At Steep Discounts

Vehicles for Change solicits donations of used cars from the community and rehabs the vehicles for resale to eligible individuals and families. Vehicles for Change repairs the donated cars in partnership with Precision Tune and CertiPro Warehouse and provides them to qualified families for a nominal fee of $700-$950. Each recipient receives a 12-month loan to assist in the purchase of the car. Contact: Northern Virginia Family Services, Inc. 9842 Business Way, Manassas, VA 20110, 703-392-4901; Vehicles for Change Phone: (703) 533-2543

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$22,000 Per Year To Get An Undergraduate Degree

Think you can't afford to get a college degree? Earn your bachelor's degree and let U.S. Department of Homeland Security (DHS) pay your way. Through the DHS fellowship program, get your degree in the physical, biological, social, or behavioral sciences - including science policy, engineering, mathematics, or computer science. The program will pay your tuition and give you money to live on! You must have career and employment goals aligned with the mission and objectives of the DHS, but you are not required to accept a position with them following graduation. To learn how you can get your degree paid for, contact the U.S. Department of Homeland Security

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Thursday, September 11, 2008

More blogs about Matthew Lesko

This Lady is admiring the shoes!

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Blogs About Matthew Lesko

This blog has a nice cartoon about Matthew Lesko and Batman... Enjoy!

Neuroticomics: Who remembers Matthew Lesko?

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Wednesday, September 10, 2008

Want to Start a Business But Don't Know Where to Start...?

My brand new book, Free Money for Entrepreneurs will show you how. Be the first in line to learn about those grants programs that the SBA says don't exist. There are over 10,000 programs for people who want to start or expand a business including grants, low-interest loans, loans you don't pay back, money when the bank says no. Plus hundreds of free services like free help with filling out money applications, free help getting government contacts, free legal help, free marketing help, and more. All you need to start or expand any business for less then $40...

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Monday, September 1, 2008

Achievement Award + Cash Award for Charity

The Heinz Family Foundation R.O.S.E. Achievement Award recognizes a woman survivor of violence for her work and achievements in the area of ending violence against women. The recipient's choice of nonprofit organization receives the cash award. Contact: The R.O.S.E. Fund, Inc., (formerly Ryka Rose Foundation), 175 Federal St., Ste. 455, Boston, MA 02110; (617) 482-5400; Fax: (617) 482-3443

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Monday, August 25, 2008

$15,000 To Train You and Your Employees

you can get this kind of money as a small business to get 1 week to 6 months of training in most anything from computers, hair styling, customer service, coaching, entrepreneuring, english as a second language, selling skills, paralegal, public speaking. See what your state has to offer by contacting your state office of employment

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Tuesday, July 29, 2008

$2,500 Per Year to Repay Undergraduate Loans

Due to a critical teacher shortage in Florida, the Florida Department of Education is offering Teachers forgiveness of their student loans. If you are a Florida teacher and you are certified in a critical teacher shortage subject area contact The Office of Student Financial Assistance, 1940 North Monroe Street, Suite 70, Tallahassee, Florida 32303-4759; 888-827-2004. To find out more about this program, visit their website

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Monday, July 28, 2008

Matthew Lesko's Grant News

Company and Environmental Partners Award Wetland ...

MarketWatch - USA

This year, Southern Company provided $246000 in grants and, combined with
partner matching funds, a total of nearly $532000 will benefit projects in
Alabama ...

CIC to hire help to chase grants

Canton Repository (subscription) -

CANTON The Canton Community Improvement Corp. plans to hire a part-time employee
to help the office pursue grants and other projects. ...

Planned Parenthood Builds New Center With $1.3M in Local ... - Helena,MT,USA

Zdravecky told the Bradenton Herald newspaper that three grants made the
new facility possible. They include a $750000 grant from the Kresge
Foundation's ...

Foundation Offers $45000 in Grants to South Carolina ...

PressZoom (press release) -

(PressZoom) - COLUMBIA, SC - The Verizon Foundation is seeking grant
proposals from nonprofit organizations and educational institutions in South
Carolina ...

commercialization grants promise results

Kalamazoo Gazette - -

This week, the state announced $1.3 million in grants to 20 projects at
13 public colleges and universities. Margaret Joyce, associate professor of
paper ...

awards 26 arts grants

TheDay - New London,CT,USA

By Claire Bessette Norwich - The City Council late Monday approved 26 grants
to numerous local entities for projects ranging from building renovations to ...

Healthy High 5 School Challenge Program Awards $526000 in ...

RedOrbit - Dallas,TX,USA

PITTSBURGH, July 22 /PRNewswire/ -- The Highmark Foundation, through the
Highmark Healthy High 5 School Challenge, recently awarded nearly $526000 in grants

year ends on high note

Sarasota Herald-Tribune - Sarasota,FL,USA

The Community Foundation of Sarasota County's board of directors announced
Monday that for the fiscal year that ended May 31, grants and
scholarships ...

opposes mayor on grants

Detroit Free Press - United States

... Kwame Kilpatrick to impose a different spending plan for grant
money given to nonprofit groups doing work in the city than the one the council
approved. ...

Foundation Offers $45000 in Grants to South Carolina ...

Carolina Newswire (press release) - NC,USA

COLUMBIA, SC -- The Verizon Foundation is seeking grant proposals from
nonprofit organizations and educational institutions in South Carolina for
innovative ...

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Emergency Money To Pay Rent and Utility Bills

The City of Leavenworth, Kansas contracts with Catholic Community Services (CCS) to offer an Emergency Housing Assistance program to families and individuals in need. The program provides counseling and valuable referrals to low-income city residents who are experiencing a housing emergency. Participants may be eligible for financial assistance for food, rent, utility bills and other expenses. Contact: Catholic Community Services (CCS), 716 N. 5th Street, Leavenworth, KS 66048. (913) 651-8060.

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Monday, July 21, 2008

Money Club Grant News

New analysis: Third of Iowa businesses getting loans fail - Des

By HENRY C. JACKSON • AP Writer • July 20, 2008 Nearly a third of the small
companies receiving grants and loans from a state program designed to
boost ...


Nine Missouri Candidates for Federal Parks and Recreation Grants

Kansas City infoZine - Kansas

Nine Missouri communities will be recommended to the National Park Service
to receive more than $500000 in federal grants to assist with park
and recreation ...


Brown grants political, economic support to Palestinians

Xinhua - China

BETHLEHEM, July 20 (Xinhua) -- Visiting British Prime Minister Gordon Brown
pledged on Sunday his country grants political and economic support
to the ...


$20000 grants help two agencies serve

Worcester Telegram - Worcester,MA,USA

“This is one of the really happy days, when we get to give out these
awards,” said Thomas F. Bagley III, chairman of the board of
trustees for the ...


Government reclaims unspent Louisville housing funds

Louisville Courier-Journal -

The US Department of Housing and Urban Development has reclaimed portions of
10 grants because not all the money was spent by the city, according
to ...


West Side's king of grants

Chicago Tribune - United States

They represent the millions of dollars in grants Hendon has secured
for churches, businesses and community groups in his district. ...


Kiryas Joel gets $10.5M in grants for women's center

Times Herald-Record -

The village later won that grant — then another and another in the
ensuing years. As the project cost soared, village leaders repeatedly turned
to powerful ...


State after-school grants go to dubious programs, political

Chicago Tribune - United States

By Stephanie Banchero and Patricia Callahan The state is squandering
taxpayer money on dubious after-school grants, including many that
rewarded one ...


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Wednesday, July 16, 2008

Matthew Lesko Grant News

ArtsKC Fund announces $574000 in arts grants

Kansas City Star - MO,USA

The ArtsKC Fund has announced its 2008 grants to arts organizations
and art programs. Twenty established arts organizations received $413425 in
Ovation ...

World Cocoa Foundation and Partners to Hold Innovations Symposium ...

MarketWatch - USA

The Symposium will conclude with the announcement of $140000 in cocoa
innovation challenge grants to be awarded in October to local
organizations and ...

PennDOT Accepting Applications for $11 Million in Rail Freight ...

MarketWatch - USA

Grant funding is provided through the state's general fund. This is
the fourth consecutive year that the assistance program has awarded at least
$10 million ...

Additional Law Enforcement Grants Target Only Illegal Slot Machines

MarketWatch - USA

HARRISBURG, Pa., July 14, 2008 /PRNewswire-USNewswire via COMTEX/ -- The
Chairman of the Pennsylvania Gaming Control Board today reiterated that


Staples Foundation awards $328K in grants - Charlotte,NC,USA

Staples Foundation for Learning has awarded 36 grants totaling
$328825 to nonprofit organizations dedicated to serving youth throughout the
country. ...


Grants available through LEDC

Louisiana Press Journal -

The Sidewalk Grant Program, like the existing Facade Improvement
Program is funded by the Louisiana Economic Development Committee
and has been ...

Holly Hill receives grants for depot, festival

The Times and Democrat -

By SW SHOPTAW, T&D Staff WriterMonday, July 14, 2008 HOLLY HILL - The town
of Holly Hill has received grants to renovate its old depot and
bolster a growing ...


Local schools get state grants

Pasadena Star-News - Pasadena,CA,USA

Nearly $2 million in grants to help students reach English fluency
were awarded to several school districts throughout the San Gabriel Valley.


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Sunday, July 13, 2008

These people do not give out business grants..... By Matthew Lesko

Alabama SBDC

Mr. William Campbell Jr, State Director


1500 1st  Avenue North, R118

Birmingham, AL  35203

Phone:  205-307-6510

Fax:  205-307-6511




Alaska SBDC

Mr. Jason Dinneen, State Director


430 West Seventh Avenue, Suite 110

Anchorage, AK  99501-3550

Phone:  907-274 -7232

Fax:  907-274-9524



American Samoa SBDC

Mr. Herbert Thweatt, Director


P.O. Box 2609

Pago Pago, American Samoa  96799

Phone:  011-684-699-4830

Fax:  011-684-699-6132




Arizona SBDC

Ms. Janice C. Washington, State Director


Maricopa County Community College

2411 West 14th Street, Suite 114

Tempe, AZ  85281

Phone:  (480)731-8722

Fax:  (480)731-8729



Arkansas SBDC

Ms. Janet M. Roderick, State Director


2801 South University Avenue, Rm 260

Little Rock, AR  72204

Phone:  501-683-7700

Fax:  501-683-7720



California - Santa Ana SBDC

Tri-County Lead SBDC

Ms. Vi Pham, Lead Center Director


800 North State College Boulevard, LH640

Fullerton, CA  92834

Phone:  714-278-2719

Fax:  714-278-7858




California -
San Diego SBDC

Ms. Debbie P. Trujillo, Regional Director


900 Otay Lakes Road,  Bldg. 1681

Chula Vista, CA  91910-7299

Phone:  619-482-6388

Fax:  619-482-6402



California - Fresno SBDC

UC Merced Lead Center

Mr. Lyle Wright, Regional Director


550 East Shaw, Suite 100

Fresno, CA  93710-7702

Phone:  559-241-6590

Fax:  559-241-7422



California - Sacramento SBDC

Mr. Dan Ripke, Interim Regional Director


35 Main Street, Room 203

Chico, CA  95929-0765

Phone:  530-898-4598

Fax:  530-898-4734



California - San Francisco SBDC

Northern California SBDC Lead Center

Ms. Kristin Johnson, Regional Director


Office of Economic Development

1 Harpst Street

Arcata, CA,  95521

Phone:  707-826-3920



California - Los Angeles Region SBDC

Ms. Sheneui Sloan, Interim Lead Center Director


3950 Paramount Boulevard, Ste 101

Lakewood, CA  90712

Phone:  562-938-5004

Fax:  562-938-5030




Colorado SBDC

Ms.Kelly Manning, State Director


1625 Broadway, Suite 2700

Denver, CO  80202

Phone:  303-892-3864

Fax:  303-892-3848



Connecticut SBDC

Ms. Ginne-Rae Clay, State Director

University of Central Connecticut

185 Main Street

New Britain, CT  06051

Phone:  860-827-7104

Fax:  860-827-7112



Delaware SBDC

Mr. Clinton Tymes, State Director


1 Innovation Way, Suite 301

Newark, DE  19711

Phone:  302-831-1555

Fax:  302-831-1423



District of Columbia SBDC

Mr. Henry Turner, Executive Director


2600 6th Street, NW Room 128

Washington, DC  20059

Phone:  202-806-1550

Fax:  202-806-1777



Florida SBDC

Mr. Jerry Cartwright, State Director


401 East Chase Street, Suite 100

Pensacola, FL  32502-6160

Phone:  850-473-7800

Fax:  850-473-7813



Georgia SBDC

Mr. Allan Adams, Interim State Director


1180 East Broad Street

Athens, GA  30602-5412

Phone:  706-542-2762

Fax:  706-542-7935



Hawaii SBDC

Mr. Darryl Mleynek, State Director


308 Kamehameha Avenue, Suite 201

Hilo, HI  96720-2960

Phone:  808-974-7515

Fax:  808-974-7683



Idaho SBDC

Mr. Jim Hogge, State Director


1910 University Drive

Boise, ID 83725-1655

Phone:  208-426-3799

Fax:  208-426-3877



Illinois SBDC

Mr. Mark Petrilli, State Director


620 East Adams Streer, 4th Floor

Springfield, IL 62701-1615

Phone:  217-524-5700

Fax:  217-524-0171



Indiana SBDC

Mr. Jeff Heinzmann, State Director


One North Capitol, Suite 900

Indianapolis, IN 46204-2043

Phone:  317-234-2086

Fax:  317-232-8872




Mr. Jim Heckman, State Director


340 Gerdin Business Bldg.

Ames, IA  50011-1350

Phone:  515-294-2030

Fax:  515-294-6522



Kansas SBDC

Mr. Wally Kearns, State Director


214 SW Sixth Street, Suite 301

Topeka, KS  66603-3719

Phone:  785-296-6514

Fax:  785-291-3261



Kentucky SBDC

Ms. Becky Naugle, State Director


225 Gatton College of Business Economics Building

Lexington, KY  40506-0034

Phone:  859-257-7668

Fax:  859-323-1907



Louisiana SBDC

Ms. Mary Lynn Wilkerson, State Director


College of Business Administration

700 University Avenue

Monroe, LA  71209-6435

Phone:  318-342-5506

Fax:  318-342-5510



Maine SBDC

Mr. John Massaua, State Director


96 Falmouth Street P.O. Box 9300

Portland, ME  04103-9300

Phone:  207-780-4420

Fax:  207-780-4810



Maryland SBDC

Ms. Renee Sprow, State Director


7100 Baltimore Avenue, Suite 401

College Park, MD  20740-3640

Phone:  301-403-8300 x 15

Fax:  301-403-8303



Massachusetts SBDC

Ms. Georgianna Parkin, State Director


227 Isenberg School of Management

121 President's Drive

Amherst, MA  01003-9310

Phone:  413-545-6301

Fax:  413-545-1273



Michigan SBTDC

Ms. Carol Lopucki, State Director


510 West Fulton Avenue

Grand Rapids, MI  49504

Phone:  616-331-7480

Fax:  616-331-7385



Minnesota SBDC

Mr. Michael Myhre, State Director


1st National Bank Building

332 Minnesota Street, Suite E200

St. Paul, MN  55101-1351

Phone:  651-297-5770

Fax:  651-296-5287



Mississippi SBDC

Mr. Walter Gurley


B-19 Jeanette Phillips Drive

P.O. Box 1848

University, MS  38677-1848

Phone:  662-915-5001

Fax:  662-915-5650



Missouri SBDC

Mr. Max Summers, State Director


410 S. Sixth St.

200 Engineering North

Columbia, MO  65211

Phone:  573-882-0344

Fax:  573-884-4297



Montana SBDC

Ms. Ann Desch, State Director


301 South Park Avenue, Room 116 / P.O. Box 200505

Helena, MT  59601

Phone:  406-841-27468

Fax:  406-841-2728



Nebraska SBDC

Mr. Robert Bernier, State Director


415 Roskens Hall

6001 Dodge Street

Omaha, NE  68182 - 0248

Phone:  402-554-2521

Fax:  402-554-3473



Nevada SBDC

Mr. Sam Males, State Director


Reno College of Business

Nazir Ansari Bldg. 032, Rm 4

Reno, NV  89557-0100

Phone:  775-784-1717

Fax:  775-784-4337



New Hampshire SBDC

Ms. Mary Collins, State Director


Mittemore School of Business and Economics,

110 McConnell Hall

Durham, NH  03824-3593

Phone:  603-862-2200

Fax:  603-862-4876



New Jersey SBDC

Ms. Brenda Hopper, State Director


49 Bleeker Street

Newark, NJ  07102-1993

Phone:  973-353-1927

Fax:  973-353-1110



New Mexico SBDC

Mr. Roy Miller, State Director


6401 Richards Avenue

Santa Fe, NM  87508-4887

Phone:  505-428-1362

Fax:  505-428-1469



New York SBDC

Mr. Jim King, State Director


Corporate Woods, 3rd Floor

Albany, NY  12246-0001

Phone:  518-443-5398

Fax:  518-443-5275



North Carolina SBDTC

Mr. Scott Daugherty, State Director


5 West Hargett Street, Suite 600

Raleigh, NC  27601-1348

Phone:  919-715-7272

Fax:  919-715-7777



North Dakota SBDC

Bon Wilkenheiser, State Director


1600 E. Century Avenue, Suite 2

Bismarck, ND  58501

Phone:  701-328-5375

Fax:  701-328-5381




Ms. Michele Abraham, State Director


128th Floor

P.O. Box 1001

Columbus, OH  43216-1001

Phone:  614-466-2711

Fax:  614-466-0829



Oklahoma SBDC

Mr. Grady Pennington, State Director


1405 N 4th Avenue, PMB 2584

Durant, OK  74701-0609

Phone:  580-745-2877 x 2955

Fax:  580-745-7471



Oregon SBDC

Mr. William Carter, State Director


99 West Tenth Avenue, Suite 390

Eugene, OR  97401-3015

Phone:  541-463-5250

Fax:  541-345-6006



Guam Small Business Development Center

Mr. Casey Jeszenka, Director


Pacific Islands SBDC

P.O. Box 5014 - U.O.G. Station Mangilao

Mangilao, GU  96923

Phone:  671-735-2590

Fax:  671-734-2002



* For Guam
time, add 15 hours to EST

Pennsylvania SBDC

Mr. Gregory Higgins, State Director


The Wharton School

3733 Spruce Street, Vance Hall, 4th Floor

Philadelphia, PA  19104-6374

Phone:  215-898-1219

Fax:  215-573-2135



Puerto Rico SBDC

Ms. Carmen Marti, Executive Director


Union Plaza Building, Suite 1000

416 Ponce de Leon Avenue, 10th Floor

Hato Rey, PR  00918

Phone:  787-763-6811

Fax:  787-763-6875



Rhode Island SBDC

Mr. John Cronin, State Director


270 Weybosset Street, 4th Floor

Providence, RI 02903

Phone: 401-598-2704

Fax: 401-598-2722



South Carolina SBDC

Mr. John Lenti, State Director


Darlamoore School of Business

1710 College Street, Hipp Building

Columbia, SC  29208 - 9980

Phone:  803-777-4907

Fax:  803-777-4403



South Dakota SBDC

Mr. John S. Hemmingstad, State Director


Beacom School of Business

414 East Clark Street, Patterson Hall

Vermillion, SD  57069

Phone:  605-677-5287Fax:  605-677-5427



Tennessee SBDC

Mr. Patrick Geho, State Director


615 Memorial Boulevard

Murfreesboro, TN 37132

Phone: 615-849-9999

Fax: 615-217-8548



Texas-Houston SBDC

Mr. Mike Young, Executive Director


2302 Fannin, Suite 200

Houston, TX  77002

Phone:  713-752-8444

Fax:  713-756-1500



Texas-North SBDC

Ms. Liz Klimback, Region Director


1402 Corinth Street, Suite 2111

Dallas, TX  75215

Phone:  214-860-5835

Fax:  214-860-5813




Mr. Craig Bean, Regional Director


2579 South Loop 289, Suite 114

Lubbock, TX  79423-1637

Phone:  806-745-3973

Fax:  806-745-6207



Texas-South-West Texas Border SBDC Network

Mr. Al Salgado, Region Director


501 West Durango Boulevard

San Antonio, TX  78207-4415

Phone:  210-458-2450

Fax:  210-458-2425




Mr. Greg Panichello, State Director


9750 South 300 West - LHM

Salt Lake City,  UT  84070

Phone:  801-957-3481

Fax:  801-957-2007E-mail:


Vermont SBDC

Ms. Lenae Quillen-Blume, State Director


PO Box 188, 1 Main Street

Randolph Center, VT  05061-0188

Phone:  802-728-9101

Fax:  802-728-3026



Virgin Islands SBDC

Leonor Dottin, Associate Director


8000 Nisky Center, Suite 720

Charlotte Amalie

St. Thomas, VI  00802-5804

Phone:  340-776-3206

Fax:  340-775-3756



Virginia SBDC

Ms. Jody Keenan, Director


Mason Enterprise Center

4031 University Drive, Suite 200

Fairfax, VA  22030-3409

Phone:  703-277-7727

Fax:  703-352-8518



Washington SBDC

Mr. Brett Rogers, State Director


534 E. Spokane Falls Blvd.

P.O. Box 1495

Spokane, WA  99210-1495

Phone:  509-358-7765

Fax:  509-358-7764



West Virginia SBDC

M. E. Yancosek Gamble, State Director


1900 Kanawha Blvd. E.

Charleston, WV  25305

Phone:  304-558-2960

Fax:  304-558-0127



Wisconsin SBDC

Debra Malewicki, Acting State Director


432 North Lake Street, Room 423

Madison, WI 53706

Phone:  608-263-7794

Fax:  608-263-7830



Wyoming SBDC

Ms. Diane Wolvertton, State Director


1000 E. University, Dept. 3922

Laramie, WY 82979

Phone:  307-766-3505

Fax:  307-766-3406



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Thursday, July 10, 2008

Texas Offers High School/College Grants up to $80K

TEA announces $80,000 planning grants to develop Early College High Schools in small and rural districts

Early College High School (ECHS) is a promising high school reform model that allows students who may not otherwise consider attending college an opportunity to earn a high school diploma and two years of college credit free of charge.

The target population includes first-generation college-goers, low-income students, minority students and English language learners.

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Thursday, June 26, 2008

15,000 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.

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Wednesday, June 25, 2008

Half Price Real Estate

An Excellent tool to find great deals on housing in your neighborhood:

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Tuesday, June 24, 2008

$30,000 For Your Small Business

The Small Business Loan Fund (SBLF) provides eligible Asset Loans from $25,000 to a maximum of $150,000 and Working Capital Loans to a maximum of $30,000 if you want to start a business in Rhode Island. See the Rhode Island Economic Development Corporation

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Monday, June 23, 2008

Learn About Government Contracts

Find out how to get a government contract. The government purchases more of anything than anyone else in the world and they do it all over the country. My sister has received over $300,000 in government contracts for her small picture framing business. I even read where the government spent $30,000 on a freelance priest. Learning how to get a $100,000 contract is better than learning how to get a $100,000 grant. A grant is only a one-time thing. A contract you can keep getting again and again. Your local Small Business Development Center can help you get government contracts. You can find your local office.

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Thursday, June 19, 2008

$5,000,000 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

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Wednesday, June 18, 2008

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.

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Tuesday, June 17, 2008

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

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Monday, June 16, 2008

$50,000 From Your Phone Company To Start A Business

If you live in a small town or want to live in a small town and want to be an entrepreneur. In it's efforts to create jobs in small towns the government gives grants to local phone and electric utility companies who are to take that money and help entrepreneurs start or expand a business. The program is called Rural Economic Development Grants at the U.S. Department of Agriculture. Find out who got this money in your area so you can get some.

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$10,000 Grants for High School Seniors

The Frederick B. Abramson Memorial Foundation Scholarships are awarded to economically disadvantaged public high school seniors in Washington DC. These scholarships are available to help them defer college expenses at a four-year accredited institution. Contact: Scholarship Committee, The Frederick B. Abramson Memorial Foundation, 734 15th Street, N.W., Suite 502, Washington, DC 20005

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Thursday, June 12, 2008

$100,000 To Help You Get More Government Money

it's not strange, it's the government. The U.S. Dept. Transportation (DOT) has money to give small businesses who are trying to figure out how to sell their products and services to the government. This is how the government works. You don't have to understand it, you just have to use it. If you have a product or service to sell, see if you can get money to figure out how to sell it to the DOT.

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Wednesday, June 11, 2008

$30,000 Worth Of Free Hospital Care

Don't have money for your gall bladder surgery? What about that hospital visit you had two months ago? You might not have to pay a cent. Call the Hill-Burton Hotline. Under this program, certain hospitals and other health care facilities provide free or low-cost medical care to patients who cannot afford to pay. You may qualify even if your income is up to double the Poverty Income Guidelines. For more information, contact Hill-Burton Hotline, Health Resources and Services Administration, 5600 Fishers Lane, Room 11-19, Rockville, MD 20857; 800-638-0742; 800-492-0359 (in MD);

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Tuesday, June 10, 2008

Home Grants Program up to 10,000

this is a non-repayable grants/gifts program available to first-time homeowners to cover down payment and closing costs. Also provided are free Homebuyer Education Courses, free Balanced Budget Spending Plans, free Credit Counseling Services as well as Post Purchase and Homeownership Maintenance Counseling to any resident in North Carolina. Income is not a limiting factor; however, all applicants are required to take the two educational courses provided by Home Grants. In order for a grant recipient to use Home Grants' funds, they must be approved for an acceptable loan product that permits charitable organizations to provide gift funds. Contact: North Carolina Housing Assistance; (704) 385-3973

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Monday, June 9, 2008

Extra Money to Live on While You Look for Work

You may be eligible to receive an extra 7 weeks of unemployment insurance money. You can also collect your unemployment money while you start your own business.If you don't know if you are eligible for unemployment insurance money.

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Friday, June 6, 2008

We requested a link from blog catalog

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Thursday, June 5, 2008

A Source For Free And Low Cost Dental Care.....

It's not all free and low cost sources but this site does offer a database of those organizations that get funding to provide dental services to people who can't pay. You can also call their 800 for help at 888-275-4772.

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Tuesday, June 3, 2008

$60,000 for Renters, Homeowners or Investors to Improve Their Property

Called 'Property Improvement Loan Insurance for Improving All existing Structures and Building of New Nonresidential Structures Program and referred to as Program #14.142 in the Catalog of Federal Domestic Assistance, this program provides financing of improvements to homes and other existing structures and the building of new nonresidential structures. Contact your local office of the U.S. Department of Housing and Urban Development

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Monday, June 2, 2008

$4,725 For Volunteering Full-Time

AmeriCorps engages people 17 and older in service to their community. The Vista Program recruits those with 3 years experience (not required) for a one-year commitment to address issues related to poverty. During time of service a modest allowance is received every week. Health insurance is provided by the program. Housing and meals are not provided by the program. Participants receive $4,725, which can be used for student loan repayment and school tuition, or a cash stipend of $1,200. Find out more about getting involved with AmeriCorps by e-mailing questions call them Toll-Free at 1-800-942-2677.

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Thursday, May 29, 2008

Sarah from HOT 99.5 is "F*cking Matthew Lesko"

Sarah from HOT 99.5 is "F*cking Matthew Lesko"

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Pick Up an Extra500 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

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Wednesday, May 28, 2008

$15,000 To Train You and Your Employees

you can get this kind of money as a small business to get 1 week to 6 months of training in most anything from computers, hair styling, customer service, coaching, entrepreneuring, english as a second language, selling skills, paralegal, public speaking. See what your state has to offer by contacting your state office of employment and training at

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Tuesday, May 27, 2008

$20,000 Grant To Get Wireless Internet For Your Small Business

This is what small businesses in Pennsylvania are eligible for if they know about the program called Quality Connections. Check out what your state may offer to small businesses to get wired by contacting your state office of economic development at your state capital.

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$20,000 Grant To Get Wireless Internet For Your Small Business

This is what small businesses in Pennsylvania are eligible for if they know about the program called Quality Connections. Check out what your state may offer to small businesses to get wired by contacting your state office of economic development at your state capital.

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Thursday, May 22, 2008

$9,900 Loan Forgiveness Award

Teachers, are you having a difficult time paying back your student loans? If so the state of Pennsylvania is here to help. The Quality Early Education Loan Forgiveness program offers monthly student loan debt assistance to graduates working in Pennsylvania, in the field of Early Childhood Education. If you are eligible, the program will forgive up to one-sixth of your qualifying loan debt annually, not to exceed the maximum of $3,300 per year for three years or the program's $9,900 maximum benefit. For more information about this opportunity contact the Pennsylvania Higher Education Assistance Agency, PA State Grants and Special Programs, 1200 N 7th St, Harrisburg PA 17102-1444; (800)233-0557

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Wednesday, May 21, 2008

$150,000 to Help Veterans and Unmarried Spouses of Veterans to Buy or Fix Up a Home

Called Veterans Housing - Guaranteed and Insured Loans and referred to as Program #64.114 in the Catalog of Federal Domestic Assistance, this programs assists veterans, certain service personnel, and certain unmarried surviving spouses of veterans, in obtaining credit for the purchase, construction or improvement of homes on more liberal terms than are generally available to non-veterans. Contact your local Veterans Administration office at Department of Veterans Affairs, Washington, DC 20420, 202-273-7390

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Tuesday, May 20, 2008

$22,000 Per Year To Get An Undergraduate Degree

Think you can't afford to get a college degree? Earn your bachelor's degree and let U.S. Department of Homeland Security (DHS) pay your way. Through the DHS fellowship program, get your degree in the physical, biological, social, or behavioral sciences - including science policy, engineering, mathematics, or computer science. The program will pay your tuition and give you money to live on! You must have career and employment goals aligned with the mission and objectives of the DHS, but you are not required to accept a position with them following graduation. To learn how you can get your degree paid for, contact the U.S. Department of Homeland Security

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