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your holiday funding.
Apply for a Christmas credit card
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Online applications for 100% free government grants for disabled people with no credit card required

   

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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.

  

Government Disability Programs & News from Disability.gov

   

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Alexander Graham Bell Association for the Deaf
If your child is under 6 and has a moderate to profound hearing loss, you can apply for money to pay for intervention, educational and/or rehabilitation services. There is also money available for children with hearing loss between the ages of 5 and 19 to attend art or science courses during the summer, weekends, or even after school. For more information, contact: Alexander Graham Bell Association for the Deaf, 3417 Volta Place, NW, Washington, DC 20007; Telephone: 202-337-5220, TTY: 202-337-5221.
If your child is under 6 and has a moderate to profound hearing loss, you can apply for money to pay for intervention, educational and/or rehabilitation services. There is also money available for children with hearing loss between the ages of 5 and 19 to attend art or science courses during the summer, weekends, or even after school. For more information, contact: Alexander Graham Bell Association for the Deaf, 3417 Volta Place, NW, Washington, DC 20007; Telephone: 202-337-5220, TTY: 202-337-5221.
 
Billy Barty Foundation
Sponsors a scholarship fund to help promising college students who have a medical form of dwarfism. Provides $2,000 scholarships.
 
Children with Disabilities Grants and Funding Page
An online guide for parents and children. Provides links to information on funding opportunities from the Federal agencies and offices represented on the Coordinating Council on Juvenile Justice and Delinquency Prevention. It also presents suggestions for identifying funding opportunities from other Federal agencies and the private sector.
 
Creating Options: A Resource on Financial Aid for Students with Disabilities (2001)
The latest edition of this popular resource paper features up-to-date information about federal financial aid programs, describes the relationship between state vocational rehabilitation agencies and the financial aid process, and lists organizations that offer disability-related grants and scholarships for postsecondary education. The paper suggests other sources of financial assistance for individuals with disabilities and recommends web sites where students will find additional financial aid information. Also included is a precollege financial aid checklist to help students plan and manage a funding search.
 
Disability Resources Monthly Guide to Disability Resources on the Internet
Includes links to financial aid and grants resources.
 
Ethel Louise Armstrong Foundation (ELA)
Supports professional organizations that work with people with disabilities through grants and scholarships that further their goals of education, advocacy, leadership development, mentorship and the arts. The Foundation especially seeks to support the work of organizations that are led by or support the work of women and girls with disabilities. The next deadline for applications is November 1 and grants are small, ranging from $1,000 to $5,000. For more information contact Ms. Deborah Lewis, 626-398-8840, email: executive director@ela.org.
In addition the Foundation is committed to expanding opportunities for female graduate students with disabilities and developing future leadership in the disability community. The foundation will award one or two scholarships of up to $2,000 each per academic year to supplement financial assistance received by a female graduate student(s). Visit the ELA Web site for complete eligibility information and application guidelines and forms.
 
Financial Resources for Individuals Interested In International Exchange Opportunities
Courtesy of Mobility International USA National Clearinghouse on Disability and Exchange.
 
Foundation Center RFP Bulletin: Disabled
The RFP (Request for Proposals) Bulletin is published weekly by the Foundation Center. Each RFP listing provides a brief overview of a current funding opportunity offered by a foundation or other grant making organization. Interested applicants should read the full RFP at the grant maker's Web site or contact the grant maker directly for complete program guidelines and eligibility requirements before submitting a proposal to that grant maker.
 
Foundation for Exceptional Children Grant and Scholarship Programs
The Foundation for Exceptional Children (http://www.cec.sped.org/fd/back.htm) is a national organization committed to improving the lives of children and youth with disabilities. Currently, the foundation is accepting applications for Scholarship Awards and Minigrant Awards. In the former category (deadline: February 1, 2001), FEC offers Stanley E. Jackson Scholarship Awards and the Infinitec Scholarship Award for full-time, post-secondary education or training during 2001-2002. Post-secondary education or training includes two- and four-year under-graduate college programs or vocational, technical, or fine arts training. Applicants must be anticipating enrollment for the first time in full-time, post-secondary education or training during 2001-2002 and also must provide evidence of financial need. Different recipients will be selected in each award category, and no recipient will receive more than one award. The FEC minigrants (deadline: March 1, 2001) program provides funds to schools, community groups, and other centers of learning for innovative educational programs. Between 20 and 30 grants are awarded annually. Minigrant awards of up to $500 will be made for innovative education-related projects that directly benefit gifted children or youth and/or children and youth with disabilities. For more information, contact: Foundation for Exceptional Children, 1920 Association Drive, Reston, Virginia 20191; Tel: (703) 264-3507. Source: Foundation Cener RFP Bulletin, December 15, 2000.
 
Foundations and Corporate Grant Programs Related to Disability
A collection of foundations and corporate grant programs that may be of interest to many NIDRR grantees AND have Internet sites. Sponsored by the National Center for the Dissemination of Disability Research (NIDRR).
 
Guide Dog Foundation for the Blind, Inc
This charity provides trained guide dogs to the blind at absolutely no charge. They also include training in using the dog and will pay for room and board, all equipment, and round trip transportation. For more information, contact: Guide Dog Foundation for the Blind, Inc, 371 East Jericho Tpke., Smithtown, NJ 11787; Telephone: 800-548-4337; 631-265-2121.
 
HEATH Resource Center
George Washington University has received a grant from the U.S. Department of Education's Office of Special Education and Rehabilitative Services to operate the National Clearinghouse on Postsecondary Education for Individuals with Disabilities, known as the HEATH Resource Center. The web page contains information about funding opportunities along with many other resources.
 
Mitsubishi Electric America Foundation
The Mitsubishi Electric America Foundation gives national "Starfish Grants" to benefit young people with disabilities throughout the country.
 
National Federation of the Blind Scholarship Program
Each year at its National Convention in July, the National Federation of the Blind gives a broad array of scholarships to recognize achievement by blind scholars. All applicants for these scholarships must be (1) legally blind and (2) pursuing or planning to pursue a full-time post-secondary course of study. In addition to these restrictions, some scholarships have been further restricted by the donor.
 
NEC Foundation of America
Makes cash grants to nonprofit organizations and programs with national reach and impact in one or both of the following arenas: science and technology education, principally at the secondary level, and/or the application of technology to assist people with disabilities.
 
Pilot Dogs, Inc.
This charity gives its trained animals to the blind at absolutely no charge. They also include four weeks of training in using the dog and will pay for room and board, all equipment, and round trip transportation. For more information, contact: Pilot Dogs, Inc., 625 West Town Street, Columbus, OH 43215; Contact - Telephone: 614-221-6367; Fax: 614-221-1577
 
Rehabilitation Engineering and Assistive Technology Society of North America
Need money to buy a van, a talking computer, or rubber door know grips? People with disabilities now have a place to turn to learn everything they need to know about how the latest in technology can improve their lives. It can be a specially equipped van, a talking computer, a special kitchen or eating aid, or adaptive toys for children. Or it may be a student with learning disabilities who needs special help getting through school. A project funded by the U.S. Department of Education, called Technical Assistance Project has established an office in each state that can provide: Information Services: will help you identify the special products that are available to help you cope with your disability. Equipment Loan Program: allows people to borrow new technology devices for a number of weeks before they purchase them. Recycling Program: matches up people with needs for products with people who want to sell or donate products. Funding Information: collects information on the various sources of funding for this equipment from public and private sources. Loans: many states are offering special loans to help people purchase the necessary equipment; Ohio offers low interest loans up to $10,000, California has loans up to $20,000, North Carolina up to $15,000.
Contact your state Office of Social Services or Vocational Rehabilitation (In Michigan the Family Independence Agency). If you have trouble locating your state office, you can contact the office that coordinates all state activities: Rehabilitation Engineering and Assertive Technology Society of North America, (RESNA), 1700 North Moore Street, #1540, Arlington, VA 22209; Telephone: 703-524-6686; Fax: 703-524-6630; TTY: 703-524-6639
 
Shaklee Teacher Award
The Shaklee Teacher Award is designed to recognize up to ten of America's most outstanding teachers of children with disabilities. Selection of teachers will be based on specific student outcomes and related contributions they have accomplished in their roles as teachers of children with disabilities. The standards reflected in this award exemplify the attributes of outstanding educators as determined by the Shaklee Institute Senior Scholars. Benefits of the 2001 Shaklee Teacher Award include a $1,000 cash award, a specially-designed pewter sculpture, and a four-day summer session learning experience. The application process requires the outstanding teacher to describe numerous aspects of their competence as an educator and their overall involvement within the field. The award is limited to professionals involved in direct teaching programs for children with disabilities. Applications are available online. (There is a $25 application fee.) For more information, contact: Shaklee Institute for Improving Special Education, 8700 East 29th Street North, Wichita, Kansas 67226; Tel: (316) 634-8735 or (800) 835-1043; Email: ksoule@heartspring.org. Source: Foundation Center RFP Bulletin, Dec. 22, 2000.

Summer Precollege Programs for Students with Disabilities - 2001 Edition
This resource web page describes campus-based postsecondary orientation programs for students with various types of disability. The new edition describes 17 programs located in nine states throughout the country, and provides details about program features, curricula, tuition and contact information. (Other colleges not listed here may also have summer precollege programs, but may limit admission to those students who have been admitted to that college. Therefore, interested students should also consult the college to which they have been admitted.)

 

Free Grants for Personal Individual Use As the economy continues to stagger, with high unemployment, rising living costs and mounting debt, consumers turn to the internet in search of free grants for personal individual use.

 

Search for free grants for disabled people.

 

  



Christmas Holidays Financial Mistakes to Avoid: Tis the season when normal credit card rules and safe spending habits are forgotten. Instead, the holiday season is often an excuse to splurge, charging up credit card balances that take an entire year to repay, if not more. That's not the only mistake people make with their credit cards during the holidays. Here is a list of 10 common holiday credit card mistakes.

1. Maxing out your credit card on gifts. If you max out your credit card during holiday shopping, you risk going over your credit limit once finance charges kick it. Plus there's a negative impact to your credit score whenever your balance exceeds around 10% to 30% of your credit limit. You face an over-the-limit fee and you could trigger the default interest rate if you go over your credit limit while you're holiday shopping.

2. Buying more gifts than you can afford. Racking up more debt than you can repay will lead to trouble in the New Year as you struggle to figure out how to pay for those charges. Save yourself some future stress by only purchasing what you can repay in full when your bill comes.

3. Gift shopping without a budget. Without a predetermined spending limit, you can easily max out your credit card or charge more than you can afford. Before you hit the mall, figure out how much you can reasonably spend and keep that amount in mind as you shop.

4. Spending without tracking your balance. A budget does no good if you don't make sure you're keeping up with it. Keep track of your receipts and periodically check to make sure you're not spending too much. You may even be able to call your card's automated line to double check your balance.

5. Opening or applying for new accounts just for the discount. Retail stores will encourage you to sign up for their store credit cards and even offer a discount on your purchase. Resist the temptation to apply for new accounts just to purchase more gifts. The inquiries affect your credit score and you risk charging more than you can afford.

6. Letting someone holiday shop with your credit card. If you loan your credit card to someone else, you have no control over how much they're spending on gifts. Be prepared to repay the balance of those gifts if your card borrower doesn't pay up.

7. Leaving your card unattended while you shop, eat, etc. There is a lot going on during the holiday season. Your credit card is targeted more during this time of year than any other time. Keep your credit card close to you and never let it out of your sight. Granted, you have limited (sometimes $0) liability for charges on a stolen credit card, but dealing with a stolen credit card can dampen your holiday spirit. Put credit card safety first.

8. Using your credit card to buy gifts because you don't have cash. If you don't have cash to buy gifts this holiday season, chances are you can't really afford the gifts anyway. If you don't have money for gifts, don't resort to credit. Instead, consider regifting items you've receive, find deals at a thrift store or yard sale, or give homemade gifts. (Not giving a gift at all is also an option.)

9. Charging gifts for yourself because you "deserve" them. It can be hard perusing the stores for weeks without getting anything for yourself. While you're going to see things you want to buy, but practice self-discipline. Remember that while you're out getting gifts for others, there are people buying gifts for you.

10. Ignoring your post-holiday billing statement. If you kept track of how much you spent, you can already guess that your first credit card billing statement will be higher than normal. Facing it sooner rather than later will help you get rid of that high balance sooner rather than later. Another reason to check your billing statement: to catch any fraudulent holiday charges made by rogue elves.



What To Do After Your Credit Card is Lost, Stolen, or Being Used for Unauthorized Purchases

Whether your credit card or simply the number has been stolen or lost, in addition to worrying about unauthorized fraudulent purchases, there's more to be concerned about. 

A theif can use your personal information to compromise other accounts or to set up new accounts under your name.

Review all statements and banking information in detail, and contact the appropriate agencies as soon as you think there might be a problem.

If you think you may be a victim of identity theft, it's imperative you take action right away. According to the latest report from the Federal Trade Commission, identity theft accounted for 18 percent of consumer complaints in 2012 alone, and about 85 percent of identity theft incidents involved fraudulent use of credit card information. 

Here are six things you must do after hackers steal your credit card information:

1. Call the credit card company. Whether you suspect suspicious activity on your account or you have misplaced a credit card, make sure to contact your credit card issuer directly to report the situation. Most companies will work with you to track down the fraudulent activity and monitor your account. Reporting unauthorized charges sooner than later will also put you in a better position to have those charges refunded. Review your credit card company's policies for more information about unauthorized activity and your rights as a cardholder.

2. Contact the credit bureaus. If your stolen credit card information has been shared before you realized there was a problem, your credit score may already be in trouble. When you suspect that you have been a victim of identity theft, call one of the credit reporting companies - Equifax, Experian or TransUnion - to report the situation so it can put an alert on your account. This process might make it easier for investigators to track down the guilty party.

3. File a report with the Federal Trade Commission. You can submit a report about the situation directly with the FTC by completing an Identity Theft Affidavit. First, you will need to file a police report. Then, submit the police report along with the Identity Theft Affidavit to the FTC's Complaint Assistant. After completing the report, you will be given a complaint reference number that you can use to update information at any time. 

4. Change account information on shopping websites. When your credit card information has been compromised, you need to do everything possible to control where your credit card number is currently shared. If your credit card is linked to any online retail stores or bill pay sites, go through each account and remove linked information as soon as possible so that any future purchases can only be made by manually entering credit card information. 

5. Try a credit monitoring service. Signing up for a credit monitoring service may give you some peace of mind in the wake of a compromised account. Credit monitoring services track your credit reports and inform you of any suspicious activity immediately. Just do some research first to make sure you are working with a company that has a solid reputation.

6. Talk to your bank. Even if your credit cards are not directly linked to a bank account, it may be a good idea to inform your bank that you have been a victim of identity theft. Your financial institutions may be more vigilant about monitoring your accounts and reporting any suspicious activity.



Review Disclaimer: 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.
 

Getting-Grants.com Review - Getting-Grants Copyright 2006-2009. All Rights Reserved

# How and where to find sources of funding
# The pre-proposal planning and development stage
# The components of a grant proposal
# The role of the project director in the grants process
# Proposal writing (with tips gleaned from a decade of experience), and more

We've all seen them....the commercials, the advertisements, the infomercials... on late night television, on Saturday mornings after cartoons, and all over the Internet. "Free government grants!" One guy got money to buy a house, another to start a business, and another to pay medical bills.

The government has free money and it's given away for all sorts of reasons...from the everyday personal needs of the average citizen to business needs. It's just that the government doesn't tell you about it. Right?

And after you see the ads and hear the sales pitch, even a skeptical you isn't sure whether or not what you're hearing is true. Maybe there is a grant you can get to open that auto repair shop you've been dreaming about, or to buy that house you've been unable to save a down payment for, or to fund a prototype for the amazing toilet training seat you invented. Or not?

So, what about those free government grants, are they a fact or fiction? Well, these are the facts.

Fact: Grants are overwhelmingly awarded to organizations, not individuals.

Fact: Grants are overwhelmingly awarded to non-profit organizations, not to profit-making entities.

Let me give you a little advice before you fork over $34.95 (this price, only if you order by midnight tonight, of course) to purchase a guide to free government grants or $49.99 or $59.99 or $69.99 (depending on the company and the package of items) for some combination of one or more grant guides, reports on government funding, and a 3-hour VHS or DVD training course.

#1 Make sure that you distinguish between what is really a grant (meaning you don't have to pay it back), what is a loan, and what other forms of assistance are actually available. Much of what you will find can be more accurately characterized as government income-assistance programs, as opposed to grants.

#2 Make sure that you find out exactly who can receive this funding. There will be a number of eligibility requirements, which vary according to program. Must you represent an organization? What kind? Must you meet certain income restrictions, live in a certain geographic area, be disabled, retired, etc.? If you do not fit into a special category, is this money still available to you?

Think of it this way, if it really were a fact that the government was giving away "free grant money" to pay people's bills, would so many American citizens have filed bankruptcy this past year?

Bottom line: it's not as easy to get "free government grants" for any and every purpose as some would like you to believe!




Long Term Care Health and Disability Insurance

Overview of Long Term Care, Home Health Care and Disability Insurance

Long Term Care Insurance can provide help in paying for a nursing facility or in-home care for a long term illness. 

Surprisingly, Long Term Care insurance (LTC) isn't popular with most Americans. This thinking; of course, has strained the finances of many families who unexpectedly have to care for loved ones.

Before buying a long term care policy, decide:

What Kind of Long Term Care Insurance Coverage You Need? Get the details of policies from an agent or online.

Which Long Term Care Insurance Company to Join? In addition to reviewing company history, BBB comments or complaints, also compare coverage and premiums.

Don't be a victim of free government money scams, such as grants and loans that you never pay back.
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 have the same free right to Government Auction, Grant, Unclaimed Money and Seizure information as any other American or business, with no fee payment and no credit card required.
Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.
US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.
Compare Programs which Offer Debt Help for People on Benefits, such as Veterans, Seniors and Disabled Persons.
How to file disability. You can apply online or call a toll free number to file for government free money and assistance.

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