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Unclaimed Money, Government Assistance application articles and tips

  

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Finance Law - concerns the regulation of personal, business and government financing practices and procedures. Personal financing includes the purchase, sale or transfer of real and personal property. Business financing includes the management of dividends, stock subscriptions or trading and initial capitalization. Government financing includes the power to levy and collect taxes, issue bonds, make contracts and incur debt. Legal issues include authority, liability and accountability, audit practices, internal controls and statutory compliance.


  

Online applications for 100% free government grant assistance and loan programs.

    

Personal Loans for
All Credit Types

    
Short Term Loans
up to $1,000
   
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up to $5,000

           

   

   

Official Government Loan Site - GovLoans.gov

For All U.S. Residents. FREE. Finding the right loan for you is easy at GovLoans.gov

GovLoans.gov is your gateway to government loan information. It directs you to the loan information that best meets your needs.

Listed below are the agencies whose loan programs are represented on this site.



All discretionary grants offered by the 26 federal grant agencies can be found, plus you don't have to register with Grants.gov to find grant opportunities. However, once you are ready to apply for a grant, you will need to register. This registration approval process takes 3-5 business days.

Free Grant Opportunities Search

  • Search by keyword, Funding Opportunity Number (FON) or Catalog of Federal Domestic Assistance (CFDA) number.

  • Search by a variety of categories of funding activities.

  • Search from a list of agencies offering grant opportunities.

  • Search by more specific criteria such as: Funding Instrument Type, Eligibility or Sub-agency.

  • Search for Recovery Act Opportunities.

   

   

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Types Of Federal Government Assistance

Catalog Programs are classified into 15 types of assistance

(A) Formula Grants
(172 Programs)

Allocations of money to States or their subdivisions in accordance with distribution formulas prescribed by law or administrative regulation, for activities of a continuing nature not confined to a specific project.

(B) Project Grants
(872 Programs)

The funding, for fixed or known periods, of specific projects. Project grants can include fellowships, scholarships, research grants, training grants, traineeships, experimental and demonstration grants, evaluation grants, planning grants, technical assistance grants, survey grants, and construction grants.

(C) Direct Payments for Specified Use
(133 Programs)

Financial assistance from the Federal government provided directly to individuals, private firms, and other private institutions to encourage or subsidize a particular activity by conditioning the receipt of the assistance on a particular performance by the recipient. This does not include solicited contracts for the procurement of goods and services for the Federal government.

(D) Direct Payments with Unrestricted Use
(37 Programs)

Financial assistance from the Federal government provided directly to beneficiaries who satisfy Federal eligibility requirements with no restrictions being imposed on the recipient as to how the money is spent. Included are payments under retirement, pension, and compensatory programs.

(E) Direct Loans
(45 Programs)

Financial assistance provided through the lending of Federal monies for a specific period of time, with a reasonable expectation of repayment. Such loans may or may not require the payment of interest.

(F) Guaranteed /Insured Loans
(64 Programs)

Programs in which the Federal government makes an arrangement to identify a lender against part or all of any defaults by those responsible for repayment of loans.

(G) Insurance
(12 Programs)

Financial assistance provided to assure reimbursement for losses sustained under specified conditions. Coverage may be provided directly by the Federal government or through private carriers and may or may not involve the payment of premiums.

(H) Sale, Exchange, or Donation of Property and Goods
(23 Programs)

Programs which provide for the sale, exchange, or donation of Federal real property, personal property, commodities, and other goods including land, buildings, equipment, food and drugs. This does not include the loan of, use of, or access to Federal facilities or property.

(I) Use of Property, Facilities, and Equipment
(17 Programs)

Programs which provide for the loan of, use of, or access to Federal facilities or property wherein the federally owned facilities or property do not remain in the possession of the recipient of the assistance.

(J) Provision of Specialized Services
(93 Programs)

Programs which provide Federal personnel directly to perform certain tasks for the benefit of communities or individuals. These services may be performed in conjunction with nonfederal personnel, but they involve more than consultation, advice, or counseling.

(K) Advisory Services and Counseling
(75 Programs)

Programs which provide Federal specialists to consult, advise, or counsel communities or individuals to include conferences, workshops, or personal contacts. This may involve the use of published information, but only in a secondary capacity.

(L) Dissemination of Technical Information
(91 Programs)

Programs which provide for the publication and distribution of information or data of a specialized or technical nature frequently through clearinghouses or libraries. This does not include conventional public information services designed for general public consumption.

(M) Training
(46 Programs)

Programs which provide instructional activities conducted directly by a Federal agency for individuals not employed by the Federal government.

(N) Investigation of Complaints
(38 Programs)

Federal administrative agency activities that are initiated in response to requests, either formal or informal, to examine or investigate claims of violations of Federal statutes, policies, or procedure. The origination of such claims must come from outside the Federal government.

(O) Federal Employment
(7 Programs)

Programs which reflect the Government wide responsibilities of the Office of Personnel Management in the recruitment and hiring of Federal civilian agency personnel.

Note: Numbers in parenthesis after the type of assistance indicate the number of programs listed in the Catalog having that type. Also, a program may have more than one type of assistance associated with it.

 

Government Grants - Catalog of Federal Domestic Assistance (CFDA)

  

CFDA currently tracks over $10 million federal dollars obligated to domestic assistance programs. The following chart displays projected and actual Recovery and non-Recovery federal dollars obligated.

 

Catalog of Federal Domestic Assistance (CFDA) provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.

 

You do not need an account to search the catalog and view Federal assistance programs.

 

FAQs

 

Where can I get help about CFDA? For questions about CFDA, you can contact the Federal Service Desk by clicking on the For Help: Federal Service Desk link on the bottom left of every page or by visiting the Federal Service Desk at (https://www.fsd.gov). Users may call the Federal Service Desk by dialing 1-866-606-8220 (national) or 1-334-206-7828 (international) from 8:00 a.m. to 8:00 p.m.

 

Do I need to register for an Agency User account to use the system? No. CFDA Agency User accounts are only for Federal government staff managing the CFDA program data. You do not need an account to search the CFDA catalog or to view Federal assistance programs. This information is freely available to any interested party. You can search by keyword, by agency, by program number as well as fine tune your search requests using the advanced search feature.

 

Why was my account request rejected? CFDA system accounts are only for Federal government staff managing the CFDA program data. If your account request was rejected, that means that the Agency Coordinator was unable to confirm your status as a government staff member. If you feel this decision is in error, let us know via the help@cfda.gov e-mail address.

 

Is there a User Manual? The public user manual is available on the homepage (www.cfda.gov) in PDF format. There is also a link to it at the bottom of every page.

 

Is there a way to electronically download program data? The CFDA established a public FTP site in order to promote sharing of program data, as well as to provide a means for related government systems to download data reliably and efficiently. The FTP site URL is ftp://ftp.cfda.gov and provides users with the ability to anonymously download program data in csv format. There are two available file options:

  1. Daily File: This file is updated nightly and will contain the following limited program data fields: Program Number, Program Title, and Agency. The file name will adhere to the following naming convention: "programsYYDDD" with the 2-digit year and 3-digit Julian day, e.g., programs09159.csv

  2. Weekly File: This file is updated weekly (Sunday night) and will contain ALL program data fields publicly available. The file name will adhere to the following naming convention: "programs-fullYYDDD" with the 2-digit year and 3-digit Julian day, e.g., programs-full09164.csv

How can I tell if a CFDA program contains Recovery Act funding? All CFDA programs that are funded in whole or in part by the American Recovery and Reinvestment Act of 2009 (the Recovery Act) have a "RECOVERY" icon embedded in their header information. This icon is visible in the [Search Recovery Programs] results and when you view the program description for a Recovery Act-funded program.

 

 

The Catalog of Federal Domestic Assistance is a government-wide compendium of Federal programs, projects, services, and activities that provide assistance or benefits to the American public. It contains financial and nonfinancial assistance programs administered by departments and establishments of the Federal government.

 

In 1984, Public Law 98-169 authorized the transfer of responsibilities of the Federal Program Information Act from the Office of Management and Budget to the General Services Administration (GSA). The transfer took place in July 1984. These responsibilities include the dissemination of Federal domestic assistance program information through the Catalog of Federal Domestic Assistance, pursuant to the Federal Program Information Act, Public Law 95-220, as amended by Public Law 98-169. GSA now maintains the Federal assistance information database from which program information is obtained. The Office of Management and Budget serves as an intermediary agent between the Federal agencies and GSA, thus providing oversight to the necessary collection of Federal domestic assistance program data.

 

As the basic reference source of Federal programs, the primary purpose of the Catalog is to assist users in identifying programs that meet specific objectives of the potential applicant, and to obtain general information on Federal assistance programs. In addition, the intent of the Catalog is to improve coordination and communication between the Federal government and State and local governments.

 

Programs selected for inclusion in the Federal assistance data base are defined as any function of a Federal agency that provides assistance or benefits for a State or States, territorial possession, county, city, other political subdivision, grouping, or instrumentality thereof; any domestic profit or nonprofit corporation, institution, or individual, other than an agency of the Federal government.

 

A "Federal domestic assistance program" may in practice be called a program, an activity, a service, a project, a process, or some other name, regardless of whether it is identified as a separate program by statute or regulation. It will be identified in terms of its legal authority, administering office, funding, purpose, benefits, and beneficiaries.

 

"Assistance" or "benefits" refers to the transfer of money, property, services, or anything of value, the principal purpose of which is to accomplish a public purpose of support or stimulation authorized by Federal statute. Assistance includes, but is not limited to grants, loans, loan guarantees, scholarships, mortgage loans, insurance, and other types of financial assistance, including cooperative agreements; property, technical assistance, counseling, statistical, and other expert information; and service activities of regulatory agencies. It does not include the provision of conventional public information services.

 

For years, GSA has published a printed version of the Catalog of Federal Domestic Assistance (CFDA or Catalog), as required by legislation dating to 1977 and 1983. That same legislation allowed GSA to distribute free copies of the printed Catalog to designated recipients. In fiscal year 2003, nearly 10,000 paper copies of the Catalog were distributed at no cost to the recipients.

 

Current legislation, however, authorizes GSA to determine in what form to prepare and publish the Catalog. Consistent with the Administration's Electronic-Government initiatives, the Government Paperwork Elimination Act, and a move to a paper free environment, GSA will now disseminate the Catalog electronically through the CFDA website on the Internet. As a result, effective immediately, GSA will no longer print and distribute free copies of the Catalog.

 

The Internet and GSA’s free CFDA website at http://www.cfda.gov will be the primary means of disseminating the Catalog. The CFDA website will also contain a PDF file version of the Catalog that, when printed by any user, will have the same layout as the printed document that the Government Printing Office (GPO) has provided.

 

GPO will continue printing and selling the CFDA to interested buyers. For information about purchasing the Catalog of Federal Domestic Assistance from GPO, call the Superintendent of Documents at 202-512-1800 or toll free at 866-512-1800, or you may reach GPO's on-line bookstore at http://bookstore.gpo.gov.

  

Search for grants for unemployed people. Review all government assistance articles.

  


   

Having debt issues and discussing financial problems with a partner can be difficult. Many times there is one person who takes care of the family budget and takes responsibility for paying the bills. There can be conflicts when it comes to talking about how or where to spend the money. It can be frustrating when one person likes to spend money and the other wants to save more money. When debt problems arise there can be more stress that could cause bigger problems in a relationship.

 

Having a savings account to fall back on during a financial crisis has helped many people. Yet, a lot of people do not have a savings account, or they may not have much money saved if thousands of dollars may be needed during times of financial troubles. Things like unemployment or medical problems have caused many Americans debt problems that were not expected. Discussing money and finding options can sometimes lead to nowhere and may require an outside credit counselor who can give some choices for solving the problems.

 

Being honest might help, so a plan can be made as quickly as possible. As hard as it may be to discuss debts, they will not disappear when ignored. The first thing is to make a list of all the debts and exactly how much is owed on each one, and then get a total amount. This lets you know a figure that you must work with. If for example, there is $200,000 in debt, and it would be impossible to pay it off, an option may be to file bankruptcy or try debt settlement. However, if only $3,000 is owed on debts, devising a budget and working with creditors who will adjust the monthly payments for a while, may be a good choice instead of rushing into another debt relief option.

 

Financial mistakes happen every day and it is best to learn from them and go forward. Solving debt problems can take some time and requires work from all partners. It may require being very frugal and living on a tight budget so all bills get paid on time or paid off. Learn how to save money from each paycheck, even if it is only five dollars. Track spending habits and get on a budget, there is free personal finance software available to be able to click in some numbers and see some figures. Not knowing how much money is wasted from every paycheck will not help pay down debts. Use every penny wisely.




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Married Couples Joint Credit: Before exchanging wedding vows, exchange credit reports and have a candid discussion about your finances. Be open and honest about matters that could be a source of friction in the future, such as major outstanding debts from student loans or credit cards. Some experts suggest that both of you order your latest credit reports and then, together, sit down and review them to avoid major surprises. Credit reports include information on debts outstanding and, for example, whether someone has filed for bankruptcy. By federal law, you can receive one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies (AnnualCreditReport.com or call toll-free 1-877-322-8228). Set short-term and long-term financial goals. Figure out how much money each of you should be able to spend for "fun" and how much you should set aside for important goals, perhaps to buy a home. Financial advisors suggest that young couples consider preparing and following a monthly budget. Understand the risks and responsibilities of jointly held accounts. If a husband and wife are co-owners of a credit card and one of them goes on a spending spree, the other spouse may be held responsible for paying the bill. Likewise, irresponsible use of a jointly owned credit card by one spouse would be reported on both of their credit histories, and that could damage the "innocent" partner's chances of getting a good loan or credit card in the future. And when two people use the same checking account, they should share one checkbook and record all transactions, because otherwise they risk losing track of their balance and paying charges for insufficient funds.


Should I destroy all my credit cards when money is tight? Access to credit may be helpful in tight times, allowing you to manage unforeseen expenses such an emergency home or car repair. Just be sure to evaluate how using credit now will affect your budget in the future. • With a good credit history, you may be able to work with existing lenders to lower your interest rate and negotiate better terms for existing loans. • When you receive gifts of money, get a bonus or pay off a debt, use the extra money as “powerpayments” to pay down your remaining debt. • Make certain you are getting any available perks associated with your credit cards, such as credit toward payments, points toward frequent flyer miles or gifts that could be used for upcoming occasions.

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