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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan

    

             

  

  

Assistance Types

Other Grant Foundations

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Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
 

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Online applications for 100% free government grants for disabled people with no credit card required

   

Personal Loans up to $35,000
    
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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

   

Private & Government Grants

Unclaimed Assets & Gov Programs

Assistance Types

Federal Grants Catalog

Govt. Grant Application

Other Grant Foundations

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Govt Food Assistance

Bank Unclaimed Money

Unclaimed Money Search

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Unclaimed Pension Search

HUD Refunds

Medicaid

   

Private and Miscellaneous Grantors

Private grant foundations

Educational grantors for women

Grantors for the disabled

Non-traditional grantors

Grantors for Veterans

SBA grants to start a business

      

  

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.

 

  


Should I be weary of no interest free purchases? Over the holidays consumers are inundated with No Interest, No Payment deals. The ads often promise interest free and no payments for 6, 12 or even 24-months. For the most part, these are great deals that consumers can take advantage of. However, be aware, if you do not pay off the full price of the purchase within that time period, you can be charged interest on the entire purchase amount dating back to the purchase date, even if you have paid off most of the balance. Make sure you read the fine print of your agreement before buying anything. Also, do not wait until the end of the grace period because it may be difficult to come up with the full payment all at once.


If you have no money for Christmas gifts nor decorations and you overpaid taxes by claiming fewer dependents than you actually have on your W4 throughout the year, you could use your anticipated IRS refund as a fast Christmas loan againist taxes overpaid. You may have to wait until January to apply for a Christmas loan using tax refund money, but then when you do receive the money you could payoff your store charge card, credit card or other line of credit you had used to purchase gifts. The better solution; though, is to not overpay taxes through the year and isntead deposit that money into a savings account. This way, you'd earn interest instead of having to pay loan fees and interest.


I need Christmas money for my children because times are hard and I have no money saved... Sound familiar? That's because you're not alone, and perhaps that thought will lessen your pain. Yet there are ways to borrow money for Christmas presents. If you have a job; even part time employment, you may qualify for an instant payday personal loan despite bankruptcy or other bad credit entries on your credit reports because these are no collateral, no credit check loans. You can have money loaded instantly onto your account, as quickly as in just one business day. Some offer several thousand dollar loans with long term monthly payments you repay after the Christmas holidays.


Debt

 

Paying bills at times can be troubling, especially when debts are spiraling out of control. Getting into debt seems to creep up and some become a major problem. To add to the stress, late notices and phone calls about not making payments are never ending.

 

Being in debt can become so bad that late accounts get turned over to debt collectors, then there is the added worry of wondering if a home or auto will be lost. People endure financial problems every day and debt problems can rise quickly due to personal mistakes, illness, not having a job, or overspending. No matter what the reason is, not being able to pay bills can seem overwhelming. Thousands of consumers have to deal with making a decision about how to find debt relief. 

 

As stressful as managing debts is, the important thing is to not let debts pile up and get worse before seeking some kind of guidance. There are options for learning how to budget, seeking credit counseling, debt consolidation or negotiation, or as a last resort to file bankruptcy. Finding what will work for your needs is most important.

 

Many times the decision made will depend on the amount debt, what effect the decision will have on the future, and how serious you will be about getting control of bills. Some people try the do-it-yourself plan and attempt to create a budget. This can be new for some people who never considered what their income is, or how they have been spending their money. This is why many people find themselves in debt. 

 

To try to manage debts that are late, consider contacting creditors and try to get them to change the payment schedule. This could help ease some of the financial burdens temporarily. It is best to try to work out arrangements early before late debts keep building along with any late fees. If debt collectors are contacting you, there are rules they must obey. They are not suppose to harass you or use unfair practices when trying to collect a debt. 

 

For auto or mortgage loans that are not being paid, there is the risk that lenders could repossess the auto or foreclose on the home. Unlike unsecured debts which are not linked an asset, secured debts are linked to some collateral. In the case of an auto, it could be repossessed even without notice, if it is in default. To get it back, may require that not only the balance on the loan is paid, but the fees for towing and storage costs may also need to be paid. Some people who have financial problems may decide to sell an auto and pay off the loan.

 

Mortgage payments that are late can sometimes be worked out with the lender. They may be willing to lower or suspend the payments for a while. Sometimes the terms may be able to be changed by extending the repayment period to reduce the monthly debt. Ask if there are any fees for any changes.

 

Many people are not able to get debt relief until they seek out a professional who can present to them some choices. When there does not appear to be an easy answer, professionals may be able to give some input. Doing nothing will only lead to more debt problems. Debt quotes are usually free, and it may provide some solutions. Be sure to review the website for any information before applying for a quote. The more you can learn about specific debt relief options, the easier it can be to make a decision.




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.
 

Understanding-Grants.com Review - Copyright © 2006 understanding-grants.com. All rights reserved.

Understanding the many aspects of grants should be the first step to any grant search.

Grant seeking is a complicated and long process. understanding-grants.com will help you turn things around. We will help you fully understand the process of grant making: from grant search to grant proposal writing up to the time you are ready to submit your grant application!

Find everything you need to know through this site and our affiliate sites. We assure you, after reading through all our informative sites, your grant search will become an easy, enjoyable and results-driven experience!

Before you are able to understand everything there is to know about grants, you must make yourself familiar with the various grant related terms. Understanding these will sure help make your grant searching easier.

1. 501c3 - A non-profit organization recognized as charity. Many grant making agencies require grant applicants to be 501c3s.

2. Application package - An electronic file that includes all forms needed for a specific grant application such as project narrative, budget, etc. It also contains information about the issuing agency, the opportunity, Catalog of Federal Domestic Assistance (CFDA) numbers, the opening and closing dates for the grants, and the agencyís point of contact. Every grant making agency has its own application package.

3. Budget - A quantitative plan of activities and programs expressed in terms of assets, liabilities, revenues, and expenses.

4. CFDA number - A unique number created in the Catalog of Federal Domestic Assistance (CFDA) database. It traces all domestically-funded Federal programs available to state and local governments.

5. Demonstration grant - A grant given to organizations or groups to help establish an innovative project or program to serve as a model. If it succeeds, others may replicate the project.

6. Designated fund - A restricted type of fund held by a community foundation where the usage of funds is strictly specified by the grant making agencies.

7. Disability Grant - A grant given to individuals with physical or mental disability who are no longer fit to work or gain employment.

8. Donation - A gift to a fund or cause, typically for charitable reasons.

9. DUNS number - A unique nine-character identification number provided by the commercial company, Dun & Bradstreet (D&B) for organizations applying for Federal grants.

10. Educational grant - A grant meant to fund educational institutions or non-profit organizations focused on: catching the interest of students and enhance their performances in Science, Mathematics, Technology and other related fields, improving the skills, knowledge and abilities of institutionís faculty members, encouraging local and national educational reforms, carrying out pilot programs or research in the areas of Science, Mathematics, or Technology Education in all levels, and developing instructional materials to generate network of information on services for education.

Getting a grant whether to support an individual or an organizationís need is always a long and difficult process. This starts from finding an appropriate grant making agency to writing the grant proposal up to submitting the final grant application. As always, searching for the fitting grant making agency takes most of the time in the whole grant making process. 

Here are some basic tips on how to save time finding the perfect grant maker match for you or your organization:

1. Check first potential grant making agencies in your locality. Most grant making agencies prefer to give grants to applicants within their geographic location. This is a common mistake of grant seekers. Instead of checking the available resources in their area first, they tend to go somewhere else making the grant search a longer process.
2. Check out the priorities and interests of your prospective grant making agency. This will help determine if they can support your project or not. You can save time and effort by sending proposals to only those who can potentially provide the funding you need.
3. Spend some time researching on your potential grant making agencies' past and current grant programs. From this, you can ascertain your chances of being awarded the free money.
4. In your research, find out also the nature of the population your grant making agency will be interested to support. Are they interested with the youth, elderly, Asian groups or only women groups? Having a clear idea on this will help you pin down possible grant making agencies interested for your cause.
5. Lastly, check out the specific purposes your grant making agency will make their free money available to. There are grant making agencies that support operating budget while there are those that primarily support building funds. Others give grant to support purchase of equipment while others provide seed money. Whatever their specific purpose is, knowing this helps eliminate grant making agencies that do not have your same purpose.




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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