Monday, October 5, 2009

$10,000 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..., extension 116

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Tuesday, September 22, 2009

Monday, September 14, 2009

Free Government Mortgage Money

Mortgage Grant Money is something that residents would like to have right now. With the U.S. real estate being torn apart by the worst financial plummet in decades, homebuyers need more money. But who would be generous enough to hand out free money for first time buyers? Not even the richest businessmen would advise to have their cash balances drained just for the sake of handing away free money. Nevertheless, before you begin to doubt the idea that free money is real, have a look at a $5 bill to find your answer. In other words, when you need free money, you can always rely on the American government to offer a program for you. Local governments also play a immense role in free money. Here's a few examples with state names for reference:

$199K In Texas ToBuy A Home In The Country
5 Million In Florida To Build A Condo
50% Discount For School Employeees To Buy A Condo
$27k In New Jersey Grant To Repair Your Condo
$499 A Month To Pay Your Rent
$4,000,000 For Investors, Builders and Developers To Build Homes and Flats
$150K To Buy A Condo
$48k In Texas To Buy A Mobile Home
$277,000 To Help Buy a 2-4 Unit House
$100,000 To Buy Or Repair Houses In Older Areas Of A City
$30k For Educators To Repair Their Apartment
$50,000 In Maine To Convert An Apartment In Your Basement
$2k Security Deposit for Rentals
$800 to Help Pay Property Tax
$7,000 To Make Your Home Handicap Accessible
Low Interest Loans To Buy A Home
$2,000,000 In Louisiana To Construct Apartment Buildings
$10,000 To Varnish Your Home
$22,000To Repair Your Septic Tank
$3,000 In Florida To Cover Your Home Loan Payments
Cash For People With Horrible Credit
$75,000 To Put An Office In Your Home
$10,000 For Emergency Home Repairs
$20,000 In Michigan To Repair Your Home
Free Assistance On Roof Repair, Plumbing, & Lighting Work
$3995 In Michigan To Varnish Your Home
$7,000 In Illinois For Retired People To Repair Their Home
$35,000 Forgivable Mortgage To Buy A Home
Money For Single Parents To Buy A Home
$100,000 In Indiana For A New Home
$2,000 To Fix Up Your Home
Save $2.000 On Your Cooling Bills
50% Off On Your Energy Bills
Save $1 For a Buy A Home and Get $8 More FREE
$1,200 In New Mexico For Seniors Bankruptcy Giveaways
Get A Loan To Buy A Home No Matter What Your Salary
$2k To Pay Your Home Loan Payments

Perhaps, you are thinking what is the trick with regard to the phrase free money. Well, to be frank, you need to put forth some effort to find the right program about getting real estate grants. That's right. You need to do some homework to know what government branch gives out what kind of gratuities and how you can qualify for such grants. Thankfully there are online databases that that are available for locating government realty programs for housing money and even help filling out the applications. The leading real estate membership websites is the Free Money Club

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Friday, September 11, 2009

Free Classes At Work To Become A Registered Nurse

if you work for one of the Dallas hospitals in the Texas Health Resources system. They pay for your classes and you take courses during work and wind up a registered nurse. It's a way to increase the needed supply of nurses.

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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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$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, September 9, 2009

$15,000 Grant For Californians To Buy A Home Near Work

The Workforce Initiative Subsidy for Homeownership (WISH) Program provides grants to qualified homebuyers living in high-cost areas to enable them to purchase homes near their work. Under the WISH Program, the bank will provide up to $15,000 per household, matching up to $3 for every dollar contributed by the homeowner toward the purchase of the home. WISH funds must be used only toward down payment or closing costs in connection with the purchase of a housing unit to be used as the homebuyer's primary residence. Terms for participation include: completion of a mortgage assistance program administered by a public or private entity; a household income of the homebuyer at 80% or less of the HUD area median income; contribution of at least 1% of the purchase price from their own funds; and completion of an approved homebuyer counseling program. For information on the Federal Home Loan Bank of San Francisco

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Tuesday, September 1, 2009

30,000 To Finish College...

The Jack Kent Cooke Undergraduate Transfer Program awards scholarship grants in amounts up to $30,000 each to students and recent alumni from community colleges or two-year institutions who transfer to and will pursue bachelor's degrees at four-year institutions.

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Tuesday, August 25, 2009

$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 . Although not a government grant, this program has it's obvious benefits

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Monday, August 24, 2009

FTC closes government grant scam websites...

( - A U.S. district court has shut down several Web sites that scammers have been using to falsely claim that they can help consumers get free government grant money, the Federal Trade Commission announced today.

At the request of the FTC, the court issued an order closing the Web sites of several related companies that falsely promised consumers that their “Easy to Use Program,” Grant Connect, could help people “instantly find the grant that’s right for [them],” while using pictures of President Obama, Vice President Biden, and the American flag to give the false impression that they were connected to the government. The FTC also charged the companies with using bogus testimonials, failing to disclose the actual cost of their product, bundling multiple other products together for sale without adequate disclosures, and debiting consumers’ bank accounts on a recurring basis without permission.

On July 28, 2009, the court entered an order that temporarily halts these companies’ illegal activities. Subsequently, five of the 12 defendants in the case agreed to a preliminary injunction halting these practices until the matter is decided at trial. The court has set a preliminary injunction hearing for the remaining defendants for September 11, 2009. The FTC is seeking to permanently stop these practices and force the companies to return their ill-gotten gains so the funds can be used to reimburse consumers who were defrauded.

According to the FTC, the operators sell many products online, including Grant Connect, which they describe as “a unique, consumer-friendly US government grant program that delivers all of the tools for the consumer to search multiple databases, write grant proposals, and deliver polished plans...” While the companies claim that consumers will be charged only a few dollars at most, they instead bundle other products and services, such as identity theft protection services, credit offers, and purported health benefits plans with their offer, ultimately charging consumers as much as $70 per month.

Using an affiliated network of Web sites, including and others, they make claims such as: “Grant Connect - $15 Billion of Free Money Available;” “Over $10 Billion Issued in 2009 Already;” and “EASY TO USE PROGRAM: Instantly find the Grant that’s right for you!” They also claim that Grant Connect “makes the process FAST and EASY, so all you have to worry about is where to spend your money!” In addition, the Grant Connect site features “testimonials,” including photos of people who supposedly got grants from the company, including one that states, “It’s so easy! I got my first grant for $300,000. All I have to do is search and click.”

To further persuade consumers into purchasing their product, the Grant Connect site has used images of the President and Vice President in an effort to suggest an affiliation with the U.S. government. For a time, the site featured a photo of President Obama and Vice President Biden standing in front of an American flag, next to the Grant Connect logo and a caption that read, “CHANGE Is Here! $15 BILLION in FREE Government MONEY for you!”

Unfortunately for consumers, according to the FTC, Grant Connect provides little more than outdated, useless information and worthless grant writing “tools.” Few, if any, grants are available to consumers who sign up for the program, and those that are require applicants to meet strict eligibility requirements before they are even considered for the grant.

In addition, while the Web sites tell consumers they can get the Grant Connect service for a one-time fee of as little as 99 cents to $2.78, they do not adequately disclose that buyers will be automatically signed up for other products and services costing up to $70 a month. While the Web site contains some disclosure language in small, densely packed type, few consumers realize they will be charged monthly for services such as “SmartHealth Gold medical and lifestyle benefits” and “VComm International and Long Distance Calling Service” unless they cancel these memberships.

The FTC charged the Grant Connect defendants with violating federal law by: 1 ) making deceptive representations regarding Grant Connect, 2 ) failing to adequately disclose the material terms and conditions of their offers, and 3 ) violating the Electronic Funds Transfer Act by debiting consumers’ bank accounts on a recurring basis without their authorization.

The Commission vote authorizing the complaint was 4-0. It was filed in the U.S. District Court for the District of Nevada on July 27, 2009. The complaint names Grant Connect, LLC; Global Gold, Inc.; Horizon Holdings, LLC; O’Connell Gray, LLC; Pink LP, Vantex Group, LLC; Vertek Group, LLC; Rachel A. Cook, manager of Vantex, and Vertek; James J. Gray, managing member of Grant Connect, Horizon Holdings, and O’Connell Gray; Steven R. Henriksen, president and owner of Global Gold; Juliette M. Kimoto, owner of Vertek and General Partner of Pink; and Randy D. O’Connell, managing member of Horizon Holdings and O’Connell Gray.

The five defendants who agreed to the preliminary injunction entered by the court on August 18, 2009, are: Grant Connect, LLC; Horizon Holdings, LLC; O’Connell Gray, LLC; James J. Gray; and Randy D. O’Connell.

The FTC appreciates the assistance of United States Attorney’s Office for the District of Nevada, the Better Business Bureau of Northern Nevada, the Better Business Bureau of Southern Nevada, the Las Vegas Metropolitan Police Department, and Reno Police Department ( Financial Crimes/Computer Crimes Department ) in this matter.

The FTC has announced several other grant fraud cases as part of the “Operation Short Change” law enforcement sweep targeting economic stimulus frauds, as well as a complaint
against a company that promised consumers “guaranteed” $25,000 government grants. Information about these cases can be found on the Commission’s Web site at: and

NOTE: The Commission files a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendant has actually violated the law. The case will be decided by the court.

Copies of the Commission’s complaint can be found on the FTC’s Web site and as a link to this press release. The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 1,500 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s Web site provides free information on a variety of consumer topics.

Mitchell J. Katz,
Office of Public Affairs
Roberto Anguizola
Bureau of Consumer Protection

Tracey Thomas
Bureau of Consumer Protection

( FTC File No. 092-3126; Civ. No. 2:09-CV-01349 )
( Grant )

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Emergency Rooms Have To Take You

Emergency rooms are now required to provide an initial screening to assess a patient's condition, which is designed to stop the automatic transfer of people unable to pay. Emergency rooms must also treat emergency situations until they are stabilized, then they can refer you to other hospitals or clinics for further treatment. If you feel you have been denied service, contact Centers for Medicare and Medicaid Services, 7500 Security Blvd., Baltimore, MD 21244; 410-786-3000

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Monday, August 3, 2009

Financial Assistance for Employees in Need

When tragedy strikes, BearingPoint employees are not alone. Through the Corporate Giving Program, BearingPoint coordinates emotional and financial support for employees impacted by traumatic or catastrophic events, giving employees a place to turn when they are in need. BearingPoint Foundation funds, in the form of grants, are directed toward specific programs that meet program objectives. BearingPoint does not accept unsolicited grant proposals from outside organizations. All requests for funding and support are generated by BearingPoint employees. Contact: BearingPoint, Inc. Corporate Giving Program (formerly KPMG Consulting, Inc. Corporate Giving Program), c/o BearingPoint Charitable Foundation, 106 Allen Road, Liberty Corner, NJ 07938; (908) 607-2300

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Thursday, July 30, 2009

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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Thursday, July 23, 2009

$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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Tuesday, July 21, 2009

80% Discounts On Dental Care

can be available from your local dental school. When I lived close to a school I used to use dental schools programs all the time. You get a student to work on you but they are senior students working under the watchful eye of a professor. Most importantly you get the latest in technology rather than old technology you may encounter in an established office. You can save a bundle. Find your nearest dental school

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Friday, July 17, 2009

$35,000 no-interest, fee loans backed by the Small Business Administration

Struggling small businesses with a good track record prior to the current fiscal crisis can keep their doors open with special $35,000 no-interest, fee loans backed by the Small Business Administration, starting in early summer 2009.

The America’s Recovery Capital (ARC) loans, made possible under the American Recovery and Reinvestment Act, are deferred-payment loans of up to $35,000 available to established, viable, for-profit small businesses that need short-term help to make their principal and interest payments on existing qualifying debt.

“These government-backed loans couldn’t come at a more critical time for many small companies,” said Information USA-founder and government watchdog Matthew Lesko. “There’s going to be a rush to get one, so it is imperative for small business owners to know the best way to get to the head of the line.”

To learn more about the eligibility requirements and the process involved in getting this assistance, see: and You can also learn more by contacting your local SBA office. To locate the nearest location, see:

For anyone wanting a piece of the stimulus package, the name of the game is being first in line, and that means knowing when and where the money is being appropriated.” For even more up to date news, analysis and expert advice on landing government loans and contracts visit: for the Government Money Club featuring live assistance for members, direct links to programs and contacts for finding grants, favorable loans and free business services. Plus finding money to live on while building a business; and selling services or products to local governments are also among the many areas covered at the site and available to members.

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Thursday, July 16, 2009

Home Grants Program up to10,000

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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Wednesday, July 15, 2009

$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, July 6, 2009

$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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Tuesday, June 2, 2009

15 Billion in Unclaimed Money

New government website helps you recover lost money...

Each year, over 15,000 savings bonds and 25,000 payments are returned to the Department of the Treasury as undeliverable.

In addition, billions of dollars in savings bonds have stopped earning interest, but haven’t been cashed.

Treasury Hunt tells you about savings bonds no longer earning interest. If you still have these savings bonds, cash or reinvest them so your money can start working for you again.


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Monday, May 18, 2009

Free Money & Help Consolidating Your Bills

Finance Details: "Consumer Counseling Centers of America Inc. provide free bill consolidation, credit counseling and debt counseling to all individuals and families that desire assistance. Contact Consumer Counseling Centers of America Inc., 601 Pennsylvania Avenue NW, Suite 900 South, Washington, DC 20004; 202-637-4851; ."

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Tuesday, May 12, 2009

"$5,000,000 In Venture Capital For Starting Businesses In Poland"

"$5,000,000 In Venture Capital For Starting Businesses In Poland"
Business Details: "This program provides equity investments in Poland for manufacturing, consumer goods, distribution networks, merchandising, and related service networks. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Landon Butler, President, Poland Partners, 700 13th St., N.W., Ste. 1150, Washington, DC 20005; 202-737-7300; Fax: 202-737-7604; (}; The are not government grants but are included in the money club

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Tuesday, May 5, 2009

The Government Will Pay My Mortgage

Housing Details: "There are now programs that will make your mortgage payments for you when you get into financial trouble. For example, Pennsylvania law, 35 P.S. § 1680.401 et seq., states it will provide ""mortgage assistance payments to homeowners who are in danger of losing their homes through foreclosure and through no fault of their own and who have a reasonable prospect of resuming mortgage payments within the prescribed time frame."" Pennsylvania calls it the ""Homeowners' Emergency Mortgage Assistance Program."" One of the best ways to find out if there are programs like this in your area is to contact the local HUD approved Housing Counseling agencies. To find your closest agency, contact your state housing office, the Housing Counseling Center locator at 1-888-466-3487; {}, or Housing Counseling Clearinghouse, P.O. Box 9057, Gaithersburg, MD 20898; 800-217-6970; Fax: 301-519-6655. If your local agency doesn't have money to pay your mortgage, they will certainly help you work out other arrangements with your mortgage company."

Grant URL:

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Friday, March 27, 2009

$89,000 Grant For Chicken and Ribs! Shhh... There are no business grants

Not a day goes by that there isn't some new Internet prophet proclaiming there aren't any grants for small business or that they're for rocket scientists only. Especially certain "Grant Writers" who go to great lengths to prove their self proclaimed value while telling people not to look.

Here is one example of an $89,000 grant for a new restaurant and an artist in Detroit.

Yep the rocket scientist being awarded this small business grant for RJ's Roost will be serving up the latest "high tech" chicken and ribs in Detroit.

We say congratulation's and good luck to this establishment for ignoring the Grant Writing know- nothings of the Internet and pursing a grant for small business.

Hopefully the people of Texas will also ignore these sages as their House of Representatives just approved a Small Business Grant Initiative. Details here:

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Government Grant Scams... cont...

We've done several posts on this topic and the feedback to date has been mostly positive.

Here's a little more details on what the underworld of the internet is up to:

The FTC described Jessica's blog in our video and apparently there are 100's like her:

If you recall we mentioned these scams infest Google Adwords. Apparently we aren't the only people who noticed, here's a funny photo shoot of the people who are allegedly running the adwords fraud:

And here's a woman who got a little angry at the whole idea:

And don't forget Snopes which recognizes the same thing we did... This year has marked a huge increase in scam type ads. This article focuses on emails however it does appear to be the same type of ruse.

I love this article at clickz

To be fair, Google isn't the only ad network allowing this. Yahoo also has similar websites infesting it's ad network. Interestingly, Yahoo allows it's advertisers to pose as Matthew Lesko while offering the scam which leaves the vicitim thinking Matthew scammed them. Which generates odd customer service issues when the victim sends an email demanding a refund for products that Matthew doesn't sell.

In the end, if you are looking for legitimate money opportunities from the US government, visit their websites or get down to your library and check out a Lesko book for free. Or consider buying the latest Lesko offer for up to date information and help.

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Tuesday, March 24, 2009

The $1.98 Grant Scam Exposed By Matthew Lesko

Watch this video of Matthew Lesko and a government newcast on how a particular internet scam is being operated.

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Business grants

MORE Free Money Programs For Business
Here are some other real grant programs for starting or expanding a business taken from our new book Free Money For Entrepreneurs. If programs are only for a given state or area be sure to check for similar programs in your area. The programs below represent only a sampling of the free money programs available to entrepreneurs.
Small Business Grants
$10,000 Grant To Start A Mom And Pop Business
$5,000 Grant To Sell Your Product Overseas
Up To $1,000,000 Grant To Recycle Toilet Paper
$2,500 Grant For Every Employee You Have
$2,500 Grant For A Craft Business
$100,000 Grant For Winery Business
$20,000 Grant to Prepare A Loan Package For An Apartment Building
$15,000 Grant For Small Town Developers To Fix Up Homes
$5,000 Grant To Help You Get A $300,000 Grant
$150,000 Gant For A Day Care Center
$25,000 To Fix Up Your Office
$10,000 Grant To Turn Your Barn Into An Office
$20,000 Grant To Start A Business In Orlando
$20,000 Grant To Start A Video Business
$5,625 Grant To Start A Sewing Business At Home
$90,000 For An Energy Efficient Business
$300,000 For Documentary Film Makers
$475,000 Grant To Run A Winery On Government Land
$250,000 To Make Videos For TV
$5,000 To Start A New Business
$32,500 To Start A Business In Toledo
$7,500 Grant For New Landscaping For Your Business
$250,000 To Start A New Business
$3,000 To Start A Home Based Knitting Business
$700 Grant to Start A Catering Business
$5,000 Grant To Start Your First Business
$75,600 To Start A Day Care Center
$7,000 To Fix Up A Day Care Center
$100,000 Grant For Day Care Providers
$500,000 Grant For Target Stores
$400,000 Grant For Home Depot
$1 Million Grant For Best Buy
$234,782 Grant To Train Technical Employees
$10 Million Grant For R.H. Donnelley Corp.
$23,623 Grant To Sell Wine
$150,000 Grant To Produce Snack Foods
$50,000 Grant For Machinery to Make Jim Beam
$580,000 Grant To Train Hotel Employees
Check out the website for MORE Free Money Programs For Business

All of this and much more can be found in the government money club

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Help To Fill out government applications

Is There Free Help Filling Out Applications For Loans And Grants?
Applying for government loans can be can be a bit more complicated than a few pages of fill in the blanks, but free help is available to help you with this process, especially if it is for business or real estate. Contact one of the 1,000 Small Business Development Centers around the country that will help you fill out applications for free or next to nothing.

There are also many non-profit organizations around the country that provide free and low-cost help in filling out grant and loan applications. No one source knows the location of all these groups, but a good place to start looking is the Microentretprise Fund For Innovation, Effectiveness, Learning and Dissemination that is part of the Aspen Institute in Washington DC: You can also contact your local public library to help you locate a similar local source.

Will The Office Giving Out The Money Give Me Help Filling Out The Application?
Yes, they will help. That is part of their job. How much actual help they will provide will varies from office to office. If they are not helpful enough, contact an office of their superior or the office of your elected official for that level of government. For example, if you are having a bad experience in dealing with a federal government office, contact your congressman or senator located in Washington, DC. If it is a state office you are dealing with find your representative at the state level. Your local libraries can help you identify these people.

Can I See Copies Of Successful Applications?
Yes, of course. Remember anything the government does, it does in your name (as long as we remain a democracy). So when the government gives out money it is really giving out your money and you have a right to see how they are giving it out. This includes seeing copies of past applications. In order to protect the privacy of individuals, the government may delete some of the applicants personal information before they show you a copy. But thats OK. All that you really need will still likely be there. If a government office is not very cooperative in providing you with an application, you can request to be transferred to an office called The Freedom of Information Act Office. Every agency has such an office that will enforce your rights.

Should I Become A non-Profit?
Probably not, but like the answer to most any question, the real answer is, it depends. Non-profits are generally involved in one of the following activities: charitable, religious, educational, scientific, literary, testing for public safety, fostering national or international amateur sports competition, and the prevention of cruelty to children or animals.

If you are going to be involved in one of these activities then you MIGHT want to consider becoming a non-profit. But, start looking for money first, before you invest in becoming a non-profit. You might be able to get the money you need without being a non-profit. So why waste the time and money before you know for sure? Wait till you find someplace that looks like a good place to get your money and find out if their requirements include you becoming a non-profit. That is the time to become one.

Do I Have To Pay Back A Grant?
NO. NO. NO. Grants, direct payments, and other free money available from government offices and non-profit organizations do not have to be paid back, EVER.

Can I Apply For More Than One Grant?
You certainly can apply to more than one of anything. The worst that can happen is that you apply to 12 places and 12 places give you money, and some of them say you have to give the money back if you get it from another source. This is a nice problem.

Can I Apply To The Same Place Twice?
Yes. And this is true whether you get the money or not. Some believe that there are even offices that will reject you automatically on your first attempt just to make sure you are serious. But there are other programs that give out one grant per customer. The best advice is to just keep applying until they tell you to stop.

Do I Have To Pay Taxes On A Grant?
As a general rule the answer is no, and you can always find out the exact answer when you find a program you wish to apply for. If the money is for business or for operating income for any organizations what you spend the money on will all be expensed before you pay taxes. Most free money for education and training is not taxable. And most free money used to pay expenses is also tax free. There are some exceptions to this personal expense money, but you will be notified well ahead a time if this is the case.

Do I Have To Have Good Credit To Get A Grant?
Normally credit rating does not matter. Why would they worry about how you are at paying back your loans? They dont want this money back. The government will even give you grant money to pay for college courses while you are in jail, but they wont give you a college loan.

About the Author: Learn more about getting free money from the government with Matthew Lesko Matthew Lesko Matthew Lesko is America's #1 Expert on Government Grants, Free Money and Information. He is an author, lecturer, and consultant to Fortune 500 companies. He has written 100 books, two which were New York Times Best Sellers

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Thursday, February 12, 2009

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, February 11, 2009

Get A Degree At Home With Government Money!

Why not? Now more than 56% of colleges offer learning over the internet and you can get government money to pay for it.

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Monday, February 9, 2009

$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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Thursday, February 5, 2009

$50,000 to500,000 In Grants to Start A Day Care Center

in Pennsylvania if you are a non-profit organization and want to help families who need day care services. The money can be used for most anything in starting or expanding a day care center. And if you are not a non-profit, it doesn't matter. The government will help you become one for next to nothing. Tell this office you are also looking the state's small business development center's office.

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Wednesday, February 4, 2009

$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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Tuesday, February 3, 2009

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, February 2, 2009

$3 Billion in Grants to Fix Up Homes in Cities

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

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Tuesday, January 20, 2009

80% Discounts On Dental Care

can be available from your local dental school. When I lived close to a school I used to use dental schools programs all the time. You get a student to work on you but they are senior students working under the watchful eye of a professor. Most importantly you get the latest in technology rather than old technology you may encounter in an established office. You can save a bundle.

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Wednesday, January 14, 2009

Cheap Health Insurance For Disabled Workers

A change in the Balanced Budget Act of 1997 allows states to offer Medicaid to individuals who are working and who have a disability. Prior to this, states could only offer Medicaid to people with disabilities who were NOT working. The income limit goes up to $40,000 a year. Contact your state Department of Health to identify your Medicaid office. You can also check out the website of the Bazelon Center

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Tuesday, January 13, 2009

$3,500 Grant to Improve Your Home So It Cuts Your Utility Bills

This program is called the Energy Efficient Mortgages Program and can be used to make energy-efficient improvements in one to four existing and new homes. The improvements can be included in a borrower's mortgage only if their total cost is less than the total dollar value of the energy that will be saved during their useful life. The cost of the improvements that may be eligible for financing as part of the mortgage is either 5 percent of the property's value (not to exceed $8,000) or $4,000--whichever is greater. The maximum mortgage limit for a single-family home is $160,950, plus the cost of the eligible energy-efficient improvements

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Monday, January 12, 2009

Get Extra Money to Train For a Better Job

You may be able to get up to $10,000, plus travel money, day care money, clothing allowance and more to take a few months to upgrade your skills so you can get a job that pays more. Contact your local One-Stop Career Center to see what money programs are available in your area for training.

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Friday, January 9, 2009

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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Friday, January 2, 2009

$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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