Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.
Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.
Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.
Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.
Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
Online Checking and Savings Accounts
Captial One 360 Savings: The basic savings account is probably the main attraction at Capital One 360. It's an account that pays a decent return with no minimums and no monthly fees. Rates change constantly, so you should check their website for up-to-the-minute rates, but you can expect to earn more than you'll earn at any big bank.
To fund the account, you'll need to link it to an existing checking account at your brick and mortar bank. When you open the account, you'll submit a check for initial funding, and Capital One will pull your banking information off of that check (your bank information is located at the bottom of your check). Once the link is established, you can transfer money back and forth between Capital One 360 and your brick-and-mortar bank electronically. However, be aware that you can only make 6 withdrawals per month from the account (the same is true for other savings accounts) – if you want to withdraw more often, consider using a checking account.
Capital One 360 Checking
* Ability to write checks (checks must be ordered from Capital One)
* Free ATM/debit card provided
* Free online bill pay
* Remote check deposit using a mobile device or scanner
* An overdraft line of credit (which you should try to avoid using, but is less expensive than other forms of overdraft protection)
* Free Person2Person Payments so you can pay friends and other individuals
Savings Accounts for Children - Capital One 360 also offers a savings account for children called the Kids Savings Account. With no fees or minimums, that account allows you and a child to save money in that child's name. You (the adult) don't have to be a parent – you can manage an account for any child. The child will have unique login credentials, so they can see their own account, but not your accounts. Adults have control over deposits and withdrawals until the child turns 18 and the account is converted to a standard 360 Savings Account. The Kids Savings Account is a great way to teach children about money from a young age.
HSBC Online Savings Account is like a lot of other online savings accounts. The main attraction is the APY (Annual Percentage Yield). You can typically earn more than brick-and-mortar banks. Furthermore, there are no fees for the service or minimum balance requirements. You can literally open an account with $1.
With HSBC, you keep your existing checking account and link it to your HSBC OnlineSavings account. To move money back and forth, you login to your HSBC account and request a transfer (transfers are free on the HSBC side, however you should check with your bank to make sure they won't assess a charge).
The HSBC OnlineSavings Account gets you a decent rate, and they also send you an ATM card. This makes it easy to get cash fast, and you can keep your daily spending money in the account – not in a lower yielding checking account.
If you want to write checks with HSBC, you can link the account to a more traditional HSBC account. This will make transfers to your checking account faster than moving the money to a different institution. Even better use an HSBC checking account and zap the money back and forth quickly.
There may be fees for checking accounts, however HSBC will consider all of your balances (Mortgage, Credit Card, etc) together when they calculate how much you have with them. This makes it easy to have an interest-earning checking account with no monthly fees.
Opening an account is really fast and easy. You just fill in all your personal information and wait for HSBC to make some test deposits to your linked account. The process moves fast, and your initial deposit can end up earning the HSBC OnlineSavings Account interest rate within a week.
I've found that the customer service at HSBC is pretty good. Of course this is unscientific and your results may vary. So far, I haven't encountered any long hold-times and the representatives have been knowledgeable and helpful.
Your HSBC OnlineSavings Account Review
Have you used the HSBC OnlineSavings Account? Well, what do you think about it? Share your experiences at the bank review page.
Ally Bank offers savings, CDs, and checking products with competitive rates. Read and submit Ally Bank reviews on this page.
The main attraction at Ally Bank is the APY they pay on deposit products:
Ally Bank will check your credit, even though you may not intend to borrow. They want to verify your identity and try to predict if you'll use your overdraft provisions responsibly.
Ally Bank offers an interest checking account that allows you to earn money while keeping it liquid. The interest checking account does not have a limit on withdrawals from the account (but other accounts do).
Free checks from Ally Bank, and you can reorder basic checks at no cost. There is no minimum deposit, and no monthly fee. Online bill pay is free, and you'll get a debit card for ATM withdrawals and purchases.
Online applications for 100% free government grant assistance and loan programs.
For All U.S. Residents. FREE. Finding the right loan for you is easy at
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.
* Log and Itemize Expenses by Category
* Track Bill Payments and History Certified
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Catalog Programs are classified into 15 types of assistance
(A) Formula Grants
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
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
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
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
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.
Guaranteed /Insured Loans
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.
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
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
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
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
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
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.
Programs which provide instructional activities conducted directly by a Federal agency for individuals not employed by the Federal government.
(N) Investigation of Complaints
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
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.
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 firstname.lastname@example.org 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:
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
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
for grants for unemployed people.
What is Credit Insurance and should I get it? Payment protection," also known as credit protection, is designed to pay, suspend or cancel a consumer's outstanding debt on an account in the event of a specific hardship, such as unemployment, disability, hospitalization or death. These products may provide security and peace of mind, but understand the costs (which could be hundreds of dollars each year) and the limitations. You should also consider other alternatives, such as traditional life or disability insurance. Chances are your credit card issuer or lender has offered to sell you a product that would postpone or make your loan payments if you die or become ill or unemployed. These products may provide security and peace of mind, but how can you tell if the offer is a good deal and one that's right for you? First, understand that these programs can vary greatly. In general, the main types are: * "Debt cancellation" programs, which will eliminate all or part of an outstanding balance if the borrower dies, or reduces or eliminates the monthly payments due if the borrower becomes disabled or experiences a major life event (such as a job loss or the birth of a child) by making the payment on the borrower's behalf. * "Debt suspension" programs, which will temporarily postpone all or part of the monthly payment while the borrower is facing a specified hardship. However, the borrower will still be expected to make the suspended payments in the future, although a late charge will not be assessed for the suspended payment(s). Some programs may even allow a borrower to postpone a payment once a year, such as during the holiday season. * "Credit insurance," which will pay the outstanding loan balance to the creditor if the borrower dies or will make monthly payments if the borrower becomes ill, injured or unemployed. Debt cancellation and suspension programs are in many ways the same as credit insurance, but they are offered directly by an individual bank or credit card issuer, not through an insurance company.
Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
Welcome to nations leading foundation and private grants database. Finding and receiving assistance from private foundations has just been made easy!! Are you an individual looking for money to start a business, go to school, purchase a home, or even personal needs! Grant Seeker Pro will show you how to obtain money from non-profit organizations (Over 840,000 Listed organizations currently in our database!!!) You will find the funding you are looking for. There is over 100 billion dollars available for the year 2009!
What are Foundation Grants? Foundation grants are Free Cash Grants provided to the general public by organizations that are involved in assisting people with specific needs. Private foundations are required by law to give away a minimum of 5% of their assets each and every year or they will lose their non-profit status.
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18340 Yorba Linda Blvd # 107-326
Yorba Linda, CA 92886
Phone: (714) 577-5386
Sooner or later, debt wins. If you ignore your spending limits, eventually all your income will be spoken for even before you earn it. If you don't exercise self-control beforehand, the day will come when you simply won't have any more money to waste, nor the ability to get a credit card or a loan.
For effective debt elimination, you have to use your cash, credit cards and loans carefully and stop the cycle of buying now and paying later. Sharpen your money management skills and stay determined to be debt free.
Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
Total Debt Services, LLC offers a wide range of debt management and debt settlement programs where our Qualified Debt Specialists work on your behalf with Creditors and / or Collection Agencies to negotiate your outstanding debt obligation.
Advantages of Debt Settlement: Whether your are looking to negotiate your credit card debt or looking to settle personal loans or other types of loans, there are advantages to working with Total Debt Services:
* Our Debt Settlement Solutions can help you avoid bankruptcy
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Total Debt Services was founded in 2003. When processing loans it was neccessary for potential clients to clear up some outstanding old debts or lower debt to income ratios to qualify. Debt settlement was seen as an extra service that could be provided to help clients qualify for a mortgage. As the need for debt relief continues to grow it has become a cornerstone of our financial services.
Debt Consolidation Loans: Total Debt Services works with individual and families that have become overextended due to high interest rates, medical expenses, job loss, or other factors resulting in high credit card or other unsecured debt. When you work with our Debt Analysts to help settle outstanding debt with Creditors, you are making a choice for a better financial future. Our services are guaranteed to resolve your financial debt problems in a timely and affordable manner.
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Bankruptcy is not a feasible option and can last on your credit report for up to 10 years. Either complete the online contact form above or call our toll-free number today for a free Debt Analysis. Your consultation is completely private and there is never any obligation to work with Total Debt Services. We have the experience necessary to help you resolve your debt and avoid bankruptcy!
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Debt Settlement: Total Debt Services excels past all others when it comes to Debt Settlement services. When you are in a situation where your debt is outpacing your ability to pay minimum payments and the fees start piling up, you want us on your side. We will work with you to stop the collection calls while settling your debt for less than your full balance.
We offer a host of settlement programs designed to decrease the amount you owe by negotiating with your creditors and collection agencies. There are many types of debt we can settle for you. While credit card debt is most common, we also work with medical bills, gas / store cards, personal and student loans, as well as other unsecured lines of credit. Programs are personalized, but can take from 1 to 4 years to settle your outstanding debt. The actual time will depend on your balances, what type of debts, your Creditors and the funds you have available monthly to put towards your program.
There are great benefits of using debt settlement programs offered by Total Debt Services and there are also downsides as can be expected when paying off less than what you originally owed.
Total Debt Services
4159 Veneto Dr
Frisco, Texas 75034