170 College Grants

Every year of education means an average of an extra $200,000 worth of life time earnings. And education is the key to competing in our fast changing society and staying productive throughout your entire life. So go get more education no matter how much you have now, and here’s 170+ sources of private and government money to do it.

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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; {www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm}, 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: http://www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm

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$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: http://www.chron.com/disp/story.mpl/ap/business/6341196.html

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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: fieldus.org/Publications/Directory.asp. 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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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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Money Club Grant News

New analysis: Third of Iowa businesses getting loans fail

DesMoinesRegister.com - Des
Moines,IA,USA

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
City,MO,USA

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
grant awards,” said Thomas F. Bagley III, chairman of the board of
trustees for the ...

 

Government reclaims unspent Louisville housing funds

Louisville Courier-Journal -
Louisville,KY,USA

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 -
Middletown,NY,USA

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
supporters

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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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
grants ...

 

Staples Foundation awards $328K in grants

Bizjournals.com - 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 -
Louisiana,MO,USA

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

Holly Hill receives grants for depot, festival

The Times and Democrat -
Orangeburg,SC,USA

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

Alabama SBDC Mr. William Campbell Jr, State Director UNIVERSITY OF ALABAMA - Birmingham 1500 1st  Avenue North, R118 Birmingham, AL  35203 Phone:  205-307-6510 Fax:  205-307-6511 E-Mail:  williamc@uab.edu Website:  http://www.asbdc.org   Alaska SBDC Mr. Jason Dinneen, State Director UNIVERSITY OF ALASKA - ANCHORAGE 430 West Seventh Avenue, Suite 110 Anchorage, AK  99501-3550 Phone:  907-274 -7232 Fax:  907-274-9524 E-Mail:  anjad@uaa.alaska.edu Website:  http://www.aksbdc.org American Samoa SBDC Mr. Herbert Thweatt, Director AMERICAN SAMOA COMMUNITY COLLEGE P.O. Box 2609 Pago Pago, American Samoa  96799 Phone:  011-684-699-4830 Fax:  011-684-699-6132 E-Mail:  htalex@worldet.att.net Website:  http://www.as-sbdc.org   Arizona SBDC Ms. Janice C. Washington, State Director ARIZONA SMALL BUSINESS DEVELOPMENT CENTER NETWORK Maricopa County Community College 2411 West 14th Street, Suite 114 Tempe, AZ  85281 Phone:  (480)731-8722 Fax:  (480)731-8729 E-Mail:  janice.washington@domail.maricopa.edu Website:  https://www.azsbdc.net/Default.aspx Arkansas SBDC Ms. Janet M. Roderick, State Director UNIVERSITY OF ARKANSAS at Little Rock 2801 South University Avenue, Rm 260 Little Rock, AR  72204 Phone:  501-683-7700 Fax:  501-683-7720 E-Mail:  jmroderick@ualr.edu Website:  http://asbdc.ualr.edu California - Santa Ana SBDC Tri-County Lead SBDC Ms. Vi Pham, Lead Center Director CALIFORNIA STATE UNIVERSITY - FULLERTON 800 North State College Boulevard, LH640 Fullerton, CA  92834 Phone:  714-278-2719 Fax:  714-278-7858 E-Mail:  vpham@fullerton.edu Website:  http://www.leadsbdc.org   California - San Diego SBDC Ms. Debbie P. Trujillo, Regional Director SOUTHWESTERN COMMUNITY COLLEGE DISTRICT 900 Otay Lakes Road,  Bldg. 1681 Chula Vista, CA  91910-7299 Phone:  619-482-6388 Fax:  619-482-6402 E-Mail:  dtrujillo@swc.cc.ca.us Website:  http://www.sbditc.org California - Fresno SBDC UC Merced Lead Center Mr. Lyle Wright, Regional Director UNIVERSITY OF CALIFORNIA - MERCED 550 East Shaw, Suite 100 Fresno, CA  93710-7702 Phone:  559-241-6590 Fax:  559-241-7422 E-Mail:  lwright3@ucmerced.edu Website:  http://sbdc.ucmerced.edu California - Sacramento SBDC Mr. Dan Ripke, Interim Regional Director CALIFORNIA STATE UNIVERSITY – CHICO 35 Main Street, Room 203 Chico, CA  95929-0765 Phone:  530-898-4598 Fax:  530-898-4734 E-Mail:  dripke@csuchico.edu Website:  http://www.csuchico.edu/cedp/ California - San Francisco SBDC Northern California SBDC Lead Center Ms. Kristin Johnson, Regional Director HUMBOLDT STATE UNIVERSITY Office of Economic Development 1 Harpst Street Arcata, CA,  95521 Phone:  707-826-3920 E-Mail: kristin.johnson@humboldt.edu Website: http://www.norcalsbdc.org California - Los Angeles Region SBDC Ms. Sheneui Sloan, Interim Lead Center Director LONG BEACH COMMUNITY COLLEGE DISTRICT 3950 Paramount Boulevard, Ste 101 Lakewood, CA  90712 Phone:  562-938-5004 Fax:  562-938-5030 E-Mail:  ssloan@lbcc.edu Website: www.lasbdcnet.ibcc.edu/lead.html   Colorado SBDC Ms.Kelly Manning, State Director OFFICE OF ECONOMIC DEVELOPMENT 1625 Broadway, Suite 2700 Denver, CO  80202 Phone:  303-892-3864 Fax:  303-892-3848 E-Mail:  Kelly.Manning@state.co.us Website:  http://www.coloradosbdc.org 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 E-Mail:  gilmoregin@ccsu.edu Website:  http://www.ccsu.edu/itbd Delaware SBDC Mr. Clinton Tymes, State Director DELAWARE TECHNOLOGY PARK 1 Innovation Way, Suite 301 Newark, DE  19711 Phone:  302-831-1555 Fax:  302-831-1423 E-Mail:  tymesc@udel.edu Website:  http://www.delawaresbdc.org District of Columbia SBDC Mr. Henry Turner, Executive Director HOWARD UNIVERSITY SCHOOL OF BUSINESS 2600 6th Street, NW Room 128 Washington, DC  20059 Phone:  202-806-1550 Fax:  202-806-1777 E-Mail:  hturner@howard.edu Website:  http://www.dcsbdc.com/ Florida SBDC Mr. Jerry Cartwright, State Director UNIVERSITY OF WEST FLORIDA 401 East Chase Street, Suite 100 Pensacola, FL  32502-6160 Phone:  850-473-7800 Fax:  850-473-7813 E-Mail:  jcartwright@uwf.edu Website:  http://www.floridasbdc.com Georgia SBDC Mr. Allan Adams, Interim State Director UNIVERSITY OF GEORGIA 1180 East Broad Street Athens, GA  30602-5412 Phone:  706-542-2762 Fax:  706-542-7935 E-mail:  aadams@georgiasbdc.org Website:  http://www.georgiasbdc.org Hawaii SBDC Mr. Darryl Mleynek, State Director UNIVERSITY OF HAWAII - HILO 308 Kamehameha Avenue, Suite 201 Hilo, HI  96720-2960 Phone:  808-974-7515 Fax:  808-974-7683 E-Mail:  darryl.mleynek@hawaii-sbdc.org Website:  http://www.hawaii-sbdc.org Idaho SBDC Mr. Jim Hogge, State Director BOISE STATE UNIVERSITY 1910 University Drive Boise, ID 83725-1655 Phone:  208-426-3799 Fax:  208-426-3877 E-mail:  jhogge@boisestate.edu Website:  http://www.idahosbdc.org Illinois SBDC Mr. Mark Petrilli, State Director DEPARTMENT OF COMMERCE AND ECONOMIC OPPORTUNITY 620 East Adams Streer, 4th Floor Springfield, IL 62701-1615 Phone:  217-524-5700 Fax:  217-524-0171 E-mail:  mark.petrilli@Illinois.gov Website:  http://www.ilsbdc.biz Indiana SBDC Mr. Jeff Heinzmann, State Director INDIANA ECONOMIC DEVELOPMENT CORPORATION One North Capitol, Suite 900 Indianapolis, IN 46204-2043 Phone:  317-234-2086 Fax:  317-232-8872 E-mail:  jheinzmann@ilsbdc.org Website:  http://www.isbdc.org Iowa SBDC Mr. Jim Heckman, State Director IOWA STATE UNIVERSITY 340 Gerdin Business Bldg. Ames, IA  50011-1350 Phone:  515-294-2030 Fax:  515-294-6522 E-mail: jimh@iastate.edu Website:  http://www.iowasbdc.org Kansas SBDC Mr. Wally Kearns, State Director FORT HAYS STATE UNIVERSITY 214 SW Sixth Street, Suite 301 Topeka, KS  66603-3719 Phone:  785-296-6514 Fax:  785-291-3261 E-mail:  ksbdc.wkearns@fhsu.edu Website:  http://www.fhsu.edu/ksbdc Kentucky SBDC Ms. Becky Naugle, State Director UNIVERSITY OF KENTUCKY 225 Gatton College of Business Economics Building Lexington, KY  40506-0034 Phone:  859-257-7668 Fax:  859-323-1907 E-mail:  lrnaug0@uky.edu Website:  http://www.ksbdc.org Louisiana SBDC Ms. Mary Lynn Wilkerson, State Director UNIVERSITY OF LOUISIANA - MONROE College of Business Administration 700 University Avenue Monroe, LA  71209-6435 Phone:  318-342-5506 Fax:  318-342-5510 E-mail:  mlwillkerson@lsbdc.org Website:  http://www.lsbdc.org Maine SBDC Mr. John Massaua, State Director UNIVERSITY OF SOUTHERN MAINE 96 Falmouth Street P.O. Box 9300 Portland, ME  04103-9300 Phone:  207-780-4420 Fax:  207-780-4810 E-mail:  jrmassaua@maine.edu Website:  http://www.mainesbdc.org Maryland SBDC Ms. Renee Sprow, State Director UNIVERSITY OF MARYLAND 7100 Baltimore Avenue, Suite 401 College Park, MD  20740-3640 Phone:  301-403-8300 x 15 Fax:  301-403-8303 E-mail:  rsprow@mdsbdc.umd.edu Website:  http://www.mdsbdc.umd.edu Massachusetts SBDC Ms. Georgianna Parkin, State Director UNIVERSITY OF MASSACHUSETTS 227 Isenberg School of Management 121 President's Drive Amherst, MA  01003-9310 Phone:  413-545-6301 Fax:  413-545-1273 E-mail:  gep@msbdc.umass.edu Website:  http://www.msbdc.org/ Michigan SBTDC Ms. Carol Lopucki, State Director GRAND VALLEY STATE UNIVERSITY 510 West Fulton Avenue Grand Rapids, MI  49504 Phone:  616-331-7480 Fax:  616-331-7385 E-mail:  sbtdchg@gvsu.edu Website:  http://www.misbtdc.org Minnesota SBDC Mr. Michael Myhre, State Director MINNESOTA SMALL BUSINESS DEVELOPMENT CENTER 1st National Bank Building 332 Minnesota Street, Suite E200 St. Paul, MN  55101-1351 Phone:  651-297-5770 Fax:  651-296-5287 E-mail:  michael.myhre@state.mn.us Website:  http://www.mnsbdc.com Mississippi SBDC Mr. Walter Gurley UNIVERSITY OF MISSISSIPPI B-19 Jeanette Phillips Drive P.O. Box 1848 University, MS  38677-1848 Phone:  662-915-5001 Fax:  662-915-5650 E-mail:  wgurley@olemiss.edu Website:  http://www.mssbdc.org Missouri SBDC Mr. Max Summers, State Director UNIVERSITY OF MISSOURI 410 S. Sixth St. 200 Engineering North Columbia, MO  65211 Phone:  573-882-0344 Fax:  573-884-4297 E-mail:  summersm@missouri.edu Website:  http://www.missouribusiness.net/sbdc/ Montana SBDC Ms. Ann Desch, State Director DEPARTMENT OF COMMERCE 301 South Park Avenue, Room 116 / P.O. Box 200505 Helena, MT  59601 Phone:  406-841-27468 Fax:  406-841-2728 E-mail:  adesch@mt.gov Website:  http://sbdc.mt.gov/ Nebraska SBDC Mr. Robert Bernier, State Director UNIVERSITY OF NEBRASKA - OMAHA 415 Roskens Hall 6001 Dodge Street Omaha, NE  68182 - 0248 Phone:  402-554-2521 Fax:  402-554-3473 E-mail:  rbernier@unomaha.edu Website:  http://nbdc.unomaha.edu Nevada SBDC Mr. Sam Males, State Director UNIVERSITY OF NEVADA - RENO Reno College of Business Nazir Ansari Bldg. 032, Rm 4 Reno, NV  89557-0100 Phone:  775-784-1717 Fax:  775-784-4337 E-mail:  males@unr.edu Website:  http://www.nsbdc.org New Hampshire SBDC Ms. Mary Collins, State Director UNIVERSITY OF NEW HAMPSHIRE Mittemore School of Business and Economics, UNH 110 McConnell Hall Durham, NH  03824-3593 Phone:  603-862-2200 Fax:  603-862-4876 E-mail:  Mary.Collins@unh.edu Website:  http://www.nhsbdc.org New Jersey SBDC Ms. Brenda Hopper, State Director RUTGERS UNIVERSITY 49 Bleeker Street Newark, NJ  07102-1993 Phone:  973-353-1927 Fax:  973-353-1110 E-mail:  bhopper@njsbdc.com Website:  http://www.njsbdc.com/ New Mexico SBDC Mr. Roy Miller, State Director SANTA FE COMMUNITY COLLEGE 6401 Richards Avenue Santa Fe, NM  87508-4887 Phone:  505-428-1362 Fax:  505-428-1469 E-mail:  rmiller@sfccnm.edu Website:  http://www.nmsbdc.org New York SBDC Mr. Jim King, State Director STATE UNIVERSITY OF NEW YORK Corporate Woods, 3rd Floor Albany, NY  12246-0001 Phone:  518-443-5398 Fax:  518-443-5275 E-mail:  j.king@nyssbdc.org Website:  http://www.nyssbdc.org North Carolina SBDTC Mr. Scott Daugherty, State Director UNIVERSITY OF NORTH CAROLINA 5 West Hargett Street, Suite 600 Raleigh, NC  27601-1348 Phone:  919-715-7272 Fax:  919-715-7777 E-mail:  sdaugherty@sbtdc.org Website:  http://www.sbtdc.org North Dakota SBDC Bon Wilkenheiser, State Director UNIVERSITY OF NORTH DAKOTA 1600 E. Century Avenue, Suite 2 Bismarck, ND  58501 Phone:  701-328-5375 Fax:  701-328-5381 E-mail:  bon@ndsbdc.org Website:  http://www.ndsbdc.org Ohio SBDC Ms. Michele Abraham, State Director OHIO DEPARTMENT OF DEVELOPMENT 128th Floor P.O. Box 1001 Columbus, OH  43216-1001 Phone:  614-466-2711 Fax:  614-466-0829 E-mail:  mabraham@odod.state.oh.us Website:  http://www.ohiosbdc.org Oklahoma SBDC Mr. Grady Pennington, State Director SOUTHEAST OKLAHOMA STATE UNIVERSITY 1405 N 4th Avenue, PMB 2584 Durant, OK  74701-0609 Phone:  580-745-2877 x 2955 Fax:  580-745-7471 E-mail:  gpennington@sosu.edu Website:  http://www.osbdc.org Oregon SBDC Mr. William Carter, State Director LANE COMMUNITY COLLEGE 99 West Tenth Avenue, Suite 390 Eugene, OR  97401-3015 Phone:  541-463-5250 Fax:  541-345-6006 E-mail:  carterb@lanecc.edu Website:  http://www.bizcenter.org Guam Small Business Development Center Mr. Casey Jeszenka, Director UNIVERSITY OF GUAM Pacific Islands SBDC P.O. Box 5014 - U.O.G. Station Mangilao Mangilao, GU  96923 Phone:  671-735-2590 Fax:  671-734-2002 E-mail:  casey@pacificsbdc.com Website:  http://www.pacificsbdc.com * For Guam time, add 15 hours to EST Pennsylvania SBDC Mr. Gregory Higgins, State Director UNIVERSITY OF PENNSYLVANIA The Wharton School 3733 Spruce Street, Vance Hall, 4th Floor Philadelphia, PA  19104-6374 Phone:  215-898-1219 Fax:  215-573-2135 E-mail:  ghiggins@wharton.upenn.edu Website:  http://pasbdc.org Puerto Rico SBDC Ms. Carmen Marti, Executive Director INTER-AMERICAN UNIVERSITY OF PUERTO RICO Union Plaza Building, Suite 1000 416 Ponce de Leon Avenue, 10th Floor Hato Rey, PR  00918 Phone:  787-763-6811 Fax:  787-763-6875 E-mail:  cmarti@prsbdc.org Website:  http://www.prsbdc.org Rhode Island SBDC Mr. John Cronin, State Director JOHNSON & WALES UNIVERSITY 270 Weybosset Street, 4th Floor Providence, RI 02903 Phone: 401-598-2704 Fax: 401-598-2722 E-mail: john.cronin@jwu.edu Website: http://www.risbdc.org South Carolina SBDC Mr. John Lenti, State Director UNIVERSITY OF SOUTH CAROLINA Darlamoore School of Business 1710 College Street, Hipp Building Columbia, SC  29208 - 9980 Phone:  803-777-4907 Fax:  803-777-4403 E-mail:  lenti@darla.moore.sc.edu Website:  http://scsbdc.moore.sc.edu South Dakota SBDC Mr. John S. Hemmingstad, State Director UNIVERSITY OF SOUTH DAKOTA Beacom School of Business 414 East Clark Street, Patterson Hall Vermillion, SD  57069 Phone:  605-677-5287Fax:  605-677-5427 E-mail:  jshemmin@usd.edu Website:  http://www.sdsbdc.org Tennessee SBDC Mr. Patrick Geho, State Director MIDDLE TENNESEE STATE UNIVERSITY 615 Memorial Boulevard Murfreesboro, TN 37132 Phone: 615-849-9999 Fax: 615-217-8548 E-mail:  pgeho@mail.tsbdc.org Website:  http://www.tsbdc.org Texas-Houston SBDC Mr. Mike Young, Executive Director UNIVERSITY OF HOUSTON 2302 Fannin, Suite 200 Houston, TX  77002 Phone:  713-752-8444 Fax:  713-756-1500 E-mail:  fyoung@uh.edu Website:  http://sbdcnetwork.uh.edu Texas-North SBDC Ms. Liz Klimback, Region Director DALLAS COUNTY COMMUNITY COLLEGE 1402 Corinth Street, Suite 2111 Dallas, TX  75215 Phone:  214-860-5835 Fax:  214-860-5813 E-mail:  emk9402@dcccd.edu Website:  http://www.ntsbdc.org Texas-NW SBDC Mr. Craig Bean, Regional Director TEXAS TECH UNIVERSITY 2579 South Loop 289, Suite 114 Lubbock, TX  79423-1637 Phone:  806-745-3973 Fax:  806-745-6207 E-mail:  c.bean@nwtsbdc.org Website:  http://www.nwtsbdc.org Texas-South-West Texas Border SBDC Network Mr. Al Salgado, Region Director UNIVERSITY OF TEXAS – SAN ANTONIO 501 West Durango Boulevard San Antonio, TX  78207-4415 Phone:  210-458-2450 Fax:  210-458-2425 E-mail:  ied@utsa.edu Website:  http://www.txsbdc.org Utah SBDC Mr. Greg Panichello, State Director SALT LAKE COMMUNITY COLLEGE 9750 South 300 West - LHM Salt Lake City,  UT  84070 Phone:  801-957-3481 Fax:  801-957-2007E-mail:  Greg.Panichello@slcc.edu Website:  http://www.utahsbdc.org/ Vermont SBDC Ms. Lenae Quillen-Blume, State Director VERMONT TECHNICAL COLLEGE PO Box 188, 1 Main Street Randolph Center, VT  05061-0188 Phone:  802-728-9101 Fax:  802-728-3026 E-mail:  lquillen@vtsbdc.org Website:  http://www.vtsbdc.org Virgin Islands SBDC Leonor Dottin, Associate Director UNIVERSITY OF THE VIRGIN ISLANDS 8000 Nisky Center, Suite 720 Charlotte Amalie St. Thomas, VI  00802-5804 Phone:  340-776-3206 Fax:  340-775-3756 E-mail:  ldottin@uvi.edu Website:  http://sbdcvi.org Virginia SBDC Ms. Jody Keenan, Director GEORGE MASON UNIVERSITY Mason Enterprise Center 4031 University Drive, Suite 200 Fairfax, VA  22030-3409 Phone:  703-277-7727 Fax:  703-352-8518 E-mail:  jkeenan@gmu.edu Website:  http://www.virginiasbdc.org Washington SBDC Mr. Brett Rogers, State Director WASHINGTON STATE UNIVERSITY 534 E. Spokane Falls Blvd. P.O. Box 1495 Spokane, WA  99210-1495 Phone:  509-358-7765 Fax:  509-358-7764 E-mail:  barogers@wsu.edu Website:  http://www.wsbdc.org West Virginia SBDC M. E. Yancosek Gamble, State Director WEST VIRGINIA DEVELOPMENT OFFICE 1900 Kanawha Blvd. E. Charleston, WV  25305 Phone:  304-558-2960 Fax:  304-558-0127 E-mail:  mgamble@wvsbdc.org Website:  http://www.sbdcwv.org Wisconsin SBDC Debra Malewicki, Acting State Director UNIVERSITY OF WISCONSIN 432 North Lake Street, Room 423 Madison, WI 53706 Phone:  608-263-7794 Fax:  608-263-7830 E-mail:  debra.malewicki@uwex.edu Website:  http://www.wisconsinsbdc.org Wyoming SBDC Ms. Diane Wolvertton, State Director UNIVERSITY OF WYOMING 1000 E. University, Dept. 3922 Laramie, WY 82979 Phone:  307-766-3505 Fax:  307-766-3406 E-mail:  DDW@uwyo.edu Website:  http://www.uwyo.edu/sbdc

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Free Money, Your First Stop For Business

The First Stop Business Information Center provides the small business owner and the prospective entrepreneur with a central point of information and contacts for state regulatory requirements for operating a small business. The primary objective of the center is to facilitate sustainable small business development in Georgia by offering a central location for determination of what licenses and permits must be obtained and maintained by individuals and businesses conducting their enterprises in our great state. Contact First Stop Business Information Center, 2 Martin Luther King Jr. Drive, Suite 315 West Tower, Atlanta, GA 30334; 404-656-7061; 800-656-4558

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Your State Department of Economic Development

Every state has offices that will help you for free with any aspect of a business or non-profit organization. They will also have their own grant and loan programs that help businesses get started or expand. Contact your state capital and look for your state office of economic development. Remember, you have to live in a state to get money to start a business in that state. The state just wants you to have the business in their state. So you can't live in one state and have your business in another state. Go where the money is.

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$6000 Business Grant For Solar Panels!

Eco-minded home and business owners can apply for a grant to install specialized materials to reflect the sun's heat under a new initiative -- Cool Roof -- from the city's Green Roof program.
The new Cool Roof program will offer $185,000 in Cool Roof grants, or approximately 55 grants of up to $6,000 each. The grants can be used to install or apply reflective materials.
The city also will continue its Green Roof program. This year's allocation will provide $100,000 in grants (or about 20 grants of $5,000 each) to install a rooftop garden (green roof) on residential buildings, commercial building and select schools. more details

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