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.
Grants
for Organizations and Individuals
A federal grant is financial assistance from a federal agency and the grant recipient must carry out a public purpose authorized by a law of the United States.
Federal grants are not federal assistance or loans to individuals and may not used to get property or services for the federal government's direct benefit.
There are 26 Federal Agencies that offer over 1,000 grant programs in different categories.
Here are
the 26 agencies that provide grants: The Department of Health and Human Services, Agency for International Development, Corporation for National
and Community Service, Department of Agriculture, Department of Commerce, Department of Defense, Department of Education, Department of Energy,
Department of Health and Human Services, Department of Homeland Security, Department of Housing and Urban Development, Department of the Interior,
Department of Justice, Department of Labor, Department of State, Department of Transportation, Department of the Treasury, Department of Veterans
Affairs, Environmental Protection Agency, Institute of Museum and Library Services, National Aeronautics and Space Administration, National Archives and
Records Administration, National Endowment for the Arts, National Endowment for the Humanities, National Science Foundation, Small Business
Administration, and the Social Security Administration.
There are infomercials and websites
that advertise free money, however few are available to individuals and there are none available that provides personal financial
assistance. You can find out if you are eligible to apply for grants on Grants.gov website and you can watch a tutorial. If you register as an Individual, you
will only be able to apply to grant opportunities that are open to individuals. An individual cannot submit a grant application to a grant opportunity that is
just open to organizations.
Some examples of Organizations are: Government, State, Local, City, Township, Special District, Native American Tribal
Governments, Education, Public Housing, and Non-Profit Organizations.
Small business loans and small business grants may be awarded to companies that meet the size standards that the U.S. Small Business Administration
(SBA) has established for most industries in the economy. The most common size standards are as follows:
* 500 employees for most manufacturing and mining industries
* 100 employees for all wholesale trade industries
* $6 million for most retail and service industries
* $28.5 million for most general & heavy construction industries
* $12 million for all special trade contractors
* $0.75 million for most agricultural industries
About one-fourth of industries have a size standard that is different from the levels above and they vary from $0.75 million to $28.5 million for size
standards. This is based on average annual revenues and from 100 to 1500 employees for size standards based on number of employees. With some
exceptions, all federal agencies, and many state and local governments, use the size standards established by SBA.
Visit the website: govbenefits.gov to get all the FAQs about grants and grant information for organizations and individuals.
Government
Money
The
government has rural housing repair loans and grants programs and these may
provide loans and grants to low-income homeowners. Homeowners use these programs
to repair or improve their homes or to remove health hazards of their rural dwellings. Loans
can be arranged for up to 20 years at a low interest rate. There are some grants
for who are 62 years of age or older and can be used only to pay for repairs and improvements to remove health
hazards. Loan or grant combinations may be arranged for people who can repay part of the cost.
Low-income for this program is defined as those below 50 percent of the area median income.
Some
program requirements are that you must be a U.S. citizen or permanent resident who lives in a rural area.
There may be some loans of up to $20,000 and grants of up to $7,500. A real estate mortgage is required for loans of $7,500 or
more and full title services are required for loans of $7,500 or more. Grants may be recaptured if the property is sold in less than three
years and loans and grants can be combined for up to $27,500 in assistance.
Visit the govbenefits.gov website for this information.
Government
Money
The Bureau of Engraving and Printing redeems partially destroyed or badly damaged currency
for free. The U.S. Treasury handles about 30,000 claims each year and redeems mutilated currency.
They use experts to examine mutilated currency and will approve the issuance of a Treasury check for the value of the currency determined to be redeemable.
If you want to know what mutilated currency is see the descriptions below:
*
More than one-half of the original note is not clear
*
It is in such a condition the value is questionable and needs special examination.
Currency can become mutilated in
many ways like by means of fire, water, chemicals, explosives; animal, insect or rodent damage; and
by burying. Regulations issued by the Department of the Treasury, mutilated U.S. currency may be exchanged at face value
if more than 50% of a note identifiable as United States currency or 50% or less of a note
is identifiable as U.S. currency and the method of mutilation and evidence demonstrates to the satisfaction of the Treasury that the missing portions have been totally destroyed.
More IRS tax forms to file and new credits and deductions for 2009 - When taxpayers sit down to file their 2009 returns, they will find plenty new -- some the result of adjusting for inflation, and other changes passed by Congress last year to try to bring the country out of recession.
Some things affect all taxpayers. The personal exemption, for example, has increased, to $3,650 each for the taxpayer and dependents, up $150 from 2008.
And tax brackets have been adjusted upward by about 5 percent since 2008. That means you might not jump to a higher tax bracket if you earned more.
Others revisions are more likely to affect low and moderate income workers. Income limits for the earned income tax credit have been raised and there's a new category -- families with three or more children. The Internal Revenue Service says one in six taxpayers claim the credit.
Still other changes affect those at higher income levels. The exemption for the alternative minimum tax has been increased once again, this time to $70,950 for joint returns and $46,700 for individuals. If your income is higher than these amounts, you could be subject to the AMT tax. These changes are among those that happen every year, to keep taxes in line with inflation. But there are a host of other revisions, new for 2009, that will make filing your tax return this year a little more complicated.
For one thing, the standard deduction for taxpayers who don't itemize has become a little less standard.
The standard deduction itself has increased to $11,400 for married couples filing jointly, $5,700 for individuals and $8,350 for heads of household. As before, it is even bigger if you are blind or 65 or over.
But new this year, you can take more of a standard deduction if you paid state or local real estate taxes, bought a new car and paid sales or excise taxes and met the income limits, or were a victim of a federally declared disaster. If you choose to increase your standard deduction by one or more of these items, you'll have to file a new form Schedule L. Otherwise, you can just enter the standard deduction on Form 1040.
The three deductions -- for state or local real estate taxes, sales or excise taxes on new car purchases or net disaster losses -- also can be taken by people who itemize.
There are expanded tax credits for home purchases and education. And a tax credit for making your home more energy efficient has been reinstated.
Tax experts caution people to be careful that they're claiming every deduction and credit to which they're entitled. A credit reduces the amount of tax you owe; a deduction reduces the income on which taxes are assessed.
You're likely already receiving the benefit of the Making Work Pay credit under the stimulus bill that Congress passed last year. However, you may have to pay a portion back if you're a married couple and both spouses work, or if you have more than one job. If you're a low- or moderate-income worker, you might have some money due to you. A new form, Schedule M, will have to be filed to claim the credit.
Avoid errors and file online to get a fast tax refund: Some errors are mathematical. Others involve omission -- like failing to include your Social Security number or those of your dependents. Make sure you pick the correct filing status -- head of household or surviving spouse vs. single, for example. And don't forget to sign your return.
Last year, the IRS received more than 141 million tax returns. Of those, about 70 percent were filed electronically. More than 110 million filers were due refunds, averaging $2,753 each.
The IRS encourages people to file electronically, saying it reduces errors and enables people to get their refunds more quickly. People who file electronically and use direct deposit can get their refunds as soon as 10 days after they file.
This year, the agency estimates that it will take taxpayers using form 1040 an average 21.4 hours to complete their taxes. That includes record keeping, tax planning, and completing and filing the return. The more complicated your return, the more time it will take to complete it.
Changes for homeowners: One major thing that taxpayers will find different this year is the homebuyer tax credit. In 2008, the credit was actually an interest free, long term loan. For people who purchased a home in 2009, the credit is a true credit -- it only has to be paid back if you stop using the home as your principal residence within three years of purchase. The credit is $8,000 for first-time homebuyers, defined as those who haven't owned a home in the last three years. Congress also added a credit for long-time homeowners who purchase a new principal residence -- $6,500. To qualify, a homebuyer would have had to live at least five years in a previously owned home. There are income limitations for both.
Expanded credit for college education: The new American opportunity credit provides a maximum annual credit of $2,500 per student for each of the first four years of college. The Hope credit that the new credit replaces temporarily covered only the first two years and for most people was smaller. To be eligible, taxpayers would have to pay $4,000 or more in tuition, fees and course materials. The credit, which phases out at higher incomes, is 40% refundable. This means that even people who owe no tax can get an annual payment of the credit up to $1,000 for each eligible student. What about those students who take more than four years to finish college? If you're in your fifth year, you're out of luck. However, there is another credit -- the lifetime learning credit -- that may be available for students in their fifth or sixth year of college, or in graduate school.
Other tax changes: Other changes include the reinstatement of the credit for making your home more energy efficient. The maximum credit has increased, to $1,500 for $5,000 in expenditures on things like insulation, storm windows or an energy efficient furnace.
For people who lost jobs, the first $2,400 in unemployment benefits is not taxable.
To benefit from most of the tax breaks, you would have had to take action before the end of 2009. But there are a couple of exceptions. You still might be able to claim the homebuyer credit if you have a signed contract by April 30. And, if at the end of the day you find you owe the IRS money or want a bigger refund, you may be able to contribute to an individual retirement account until April 15 and take a deduction on your 2009 taxes.
If you're covered by a plan at work, you may be able to deduct a contribution of $5,000 -- $6,000 if you're at least 50 -- if your modified adjusted gross income is less than $65,000 if you're filing as an individual, or $109,000 if you're married filing jointly.
Three tax deductions -- for state or local real estate taxes, sales or excise taxes on new car purchases or net disaster losses -- also can be taken by people who itemize.
There are expanded tax credits for home purchases and education. And a tax credit for making your home more energy efficient has been reinstated.
Tax experts caution people to be careful that they're claiming every deduction and credit to which they're entitled. A credit reduces the amount of tax you owe; a deduction reduces the income on which taxes are assessed.
You're likely already receiving the benefit of the Making Work Pay credit under the stimulus bill that Congress passed last year. However, you may have to pay a portion back if you're a married couple and both spouses work, or if you have more than one job. If you're a low- or moderate-income worker, you might have some money due to you. A new form, Schedule M, will have to be filed to claim the credit.
Government
Grant Money
When
applying for a grant, be sure to locate a grant that interests you and apply. Be
sure to record the Funding Opportunity Number and/or CFDA Number and then use a
few basic steps to get started. You usually need to download an application package
to complete and then submit the package. If there are any problems trying to
locate or apply for a grant, usually there is a resource or user guide page on
the grant website.
There
are grant programs for federal or state grants, and there is a difference between organizational and individual grant applicants.
An organizational grant applicant is for one who submits a grant on behalf of a company, state, local or tribal government, academia, or other type of organization.
A
grant for an individual is a person who submits a grant for themselves and is
not doing it for some type of organization. Visit the grant.gov site to search and apply
for grants.
By
downloading an application package, you can complete the forms at your leisure and
you could have someone help you complete them. To submit electronic grant applications,
you would need the status of an Authorized Organization Representative (AOR). It
is easy to check your grant status by logging into Grants.gov, if you registered your username and password.
Visit the grants.gov website for this information and more, as well as listings
of grants. Don't be scammed by websites that want to charge large you large
amounts of money just to give you information about grants.
Government Money
A
good example of government
money are grants or funds. For example a grant was given for neighborhood revitalization in New Orleans.
This was a $1 million dollar grant from the American Recovery and Reinvestment Act
(ARRA). This was to help Urban Strategies, Inc. foster a self-sufficiency and safe neighborhoods in
New Orleans. The goal is to revitalize the Harmony Oaks community and implement a
building program for local nonprofits to promote economic recovery and help low-income families secure and retain jobs.
The efforts revolved around transforming Harmony Oaks into a vibrant mixed-income
community and rental units, home ownership units, a K-4 charter school, a health suite, and a recreation facility.
Some
grants can be used for social means to help families and children get out of cycles of poverty.
There can be grants to turn areas into thriving economically benefiting areas
for people. The one million dollar grant was awarded through the Strengthening Communities Fund (SCF) at the Department of Health and Human Services. They awarded
millions to 84 grantees to build nonprofit organizations help with some economic recovery issues
in their communities. Money to help low-income individuals find and keep employment, earn higher wages, and achieve
self-sufficiency are indeed important uses of funds. Visit the Grants.gov.
website for these details and more information.
Government
Money
If
you are looking for government money in the form of a job, there are some summer
experiences that would allow some people to work with those who manage the business of our
Nation. That is right, the Federal Government might be able to give you that
chance if they select you. Summer jobs are at times available in Federal agencies throughout the United States and
there are many types of positions. Review the government's website for
information to the job site of the US Federal Government.
The
information on their website may help you find a job and you may be able to
create an online resume. Once you have located the summer job, review the steps
to complete an application. Be sure to specify the title of the job and the announcement number on
applications. Always make sure applications are fully completed and write down
any phone numbers you may need. For summer jobs, it may be important to start
early in the year, and be sure to note any deadlines.
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Cons of Cosigning a High Risk Loan
- Before you cosign a loan, be prepared for the worst.
*There's already doubt about the borrower's ability to repay, because he/she needed you to cosign due to their bad credit score.
*You are equally responsible for repaying the loan if the borrower doesn't cough up the cash.
*If the borrower makes a late payment, that could also affect your credit report score.
*If the borrower files bankruptcy for the debt and no longer has to repay it, you are still liable and can be sued for payment.
Advice: If you are asked to cosign a loan, assume the borrower will default and first ask yourself if you are able to make every payment. If so, instead of cosigning the loan, perhaps it would be safer for you to take out the loan solely in your name, and then you sub-lend that money as a person-to-person personal loan. You will make all the monthly payments regardless if the borrower repays you. With this alternative option, you will secure your good credit (and perhaps improve scores as well). Afterall; even if you choose to be a cosigner instead, you're still liable in the event of default.
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