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Credit Tip: If a lender demands that you payoff a loan or line of credit early, ask for an early payment discount. Often they're anxious to get loans off the books and may lower the principal due and thus save you a hefty sum of money.


Credit Tip: Can't Pay Bills? Even bad credit people have options, including: *refinancing an auto loan to lower monthly payments or to use the equity to payoff higher interest accounts like credit cards, *mortgage refinancing for money to pay bills, a *balance transfer credit card to eliminate interest for the introductory period, *consolidating debt and; for those who are too deeply in debt, *negotiating debt settlements to chargeoff a percentage of balances owed. There's always hope and options, like *filing bankruptcy when all else fails. And don't forget the basics of *creating a budget to prevent debt from piling up yet again.

  

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

     

     

 
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.

 

  


Debt

 

It is all about choices and how money is spent when talking about being in debt. Overspending can quickly lead to serious debt problems. Creating a budget or plan on how every paycheck will be spent may help prevent debt problems and over spending. Being debt free or becoming debt free involves hard work.

 

Budgets may need to be revised from month to month or every couple of weeks to really stay on top of finances. This is especially true when there are a lot of bills and money and is tight. Just knowing what needs to be paid every week can help get a mind set about what is important to be paid from each paycheck. There may be weeks when a big bill is due and going to the movies or eating out could cause a shortage of funds, that could lead to a late payment with added charges.

 

When getting another job to pay debts is not possible, reducing needless spending can be even more important. Try to cut spending in areas like entertainment, buying clothes, eating out, and setting a budget for giving gifts. Keep a calendar posted in an area where you will look at it every day. Have the bills that are due written on paycheck days. This helps keep bill paying up front so there is not a chance of missing a bill. It also lets you know if spending extra money on yourself will be possible or should be avoided.

 

It is always a wise step to get into the habit of saving some money from each paycheck for emergencies or a vacation. No matter what the reason could be, keeping some extra money can be a life savor at times. It may be needed when there are medical emergencies, for a dentist, to fix the auto, or any other unexpected happening.

 

Figure out exactly how much you bring home each month and how much has to be paid on bills. See what is left over to spend your way. Mistakes are made when there is not plan and bill paying is left to chance. Being in debt is stressful, work hard to avoid it or get out of debt. When there is extra money, pay more money toward a big debt and chip away at it paycheck by paycheck.

 

Figure out just how long it will take to pay off credit card debts at the amount you pay each month. It may be enlightening enough to encourage more effort into paying more money. Making little changes and getting more and more serious can be motivating toward paying off bills. Once being organized and planning a budget becomes a habit, it can make a life long change that may help eliminate being in debt.




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US-Government-Grants.org Review - Copyright US Government Grants

What are the advantages of getting government grants? This may seem like a mad question but here are several facts that you might not know. Overall, grants supply the best encounter for those returning to college simply because they do not require repayment for the funds that they are going to obtain. Here are several facts and numbers on grants, for single moms, or any individual that may be searching at signing up for a grant to totally free them of debt, start a business, or earn their college degree.

One of the very best aspects of obtaining a grant is that they donít think about your monetary record. For those who have had a bankruptcy inside your history, this can make your ability to qualify for a loan like the Stafford loan from school you need to attend. This isnít the case with grants to individuals because this money does not require any form of repayment and thus they donít need to be involved together with your inability to pay off the loan within the future.

Government education grants abound in todayís recessive market. The Obama administration has created a $12 billion package that will help all college students, such as single moms, get college funding for no much less than 2 years. You will find some programs which are especially geared toward grants for ladies but there are federal grants for most all individuals that also wish to return to college.

College loans and grants donít need to be your primary focus. You can get federal and state grants for companies also. Presidential grants for little business are a big market right now. You will find grant writers that are making profits as they are employed to fill out grant paperwork to be submitted to ensure that their clients can receive thousands, if not tens of thousands, of dollars in compensation.

This totally free cash craze doesnít stop within the U.S. There are Canadian state grants which are available for their citizens also. Grants have been around for a long time. It is just that many people think about funding things such as a company or going to college as a decision that requires going into debt. Luckily, this isnít the case so a lot anymore.

One of the things the individuals need to know is that the government grants for individuals are not extended to those people who want funds on behalf of their institutions or organizations. Most of these grants are offered to individuals who want the finds for their own use such as for education or trade. When they submit the application, the individuals must know that they should spend the money on what it was designed for or else they will get harsh penalties from the government.

Before they apply for these government grants for individuals, they need to find out the requirements they have to fulfill. For starters, they are required to be American citizens and must have attained 18 years of age. These are the general requirements for most of these government grants but the specific grants come with specific requirements that they need to meet in order to be eligible for them. It is therefore important that they check out as many grants as possible to find the one that not only suit their needs but also those that they are eligible for.

Grant is money given away by the government to hand out a particular purpose. There is a boundless number of free grant programs that give financial assistance to people in need. Individual grants are available for all kinds of purposes such as pursuing education, purchasing a new house or getting free of debt. The most kind of these grants are handed over to the small business owners who need support in starting a new business.

The TANF program, run by the Department of Human Services, gives grants to assist individuals in need that also have children. It allows families to care for their children in the home, prepare individuals to get meaningful employment and provides services to prevent divorce of parents by encouraging a two-parent household. To be eligible for TANF, a candidate must be at least 19-years-old, pregnant or have a child, and meet income and service requirements. Individuals concerned in the program can apply for TANF through their local DHS office.

The government has an abundance of money which they should freely share with us normal people. We could all use a bit additional cash to assist with our daily lives. Thereís a way to dig into the governmentís pocket and take back the money they take from us everyday. Through government grants and government loans, we can receive money to help with our particular scenarios. Grants and loans are completely various for those individuals who did not know. A grant is money you receive and donít need to pay back while a loan is cash you get but have to pay back in steady increments over a certain period of time.

There are thousand of government grants we can all apply for. It does not mean that we can all get a grant but if you do qualify, youíve a much better chance the next person. You canít do something using the money you get from a grant either; you need to follow the guidelines set forth by the grant to keep the cash. Regardless, it is free cash that you simply obtain and it ought to help you out.

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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