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Online applications for 100% free government grants, gov loans, plus unclaimed money and property search.

   

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Official Government Grant Site - Grants.gov

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.

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.

  

   

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Newest Government Grant Opportunities ~ Click Here

 

Government Grant and Loan Facts:

Don't be scammed by ads; whether on radio, tv, or online, about free money from the government. The federal government does offer grants and loans, but the information you pay for may be misleading. Here are the facts:

 

The differences between grants and loans. Loans are obligations which must be repaid, and often with interest. A grant; however, does not require repayment, but there are extremely few grants available for individuals. Most grants are awarded to universities, researchers, cities, states, counties, and non-profit organizations. Loans are generally the best bet for individuals.

 

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.

 

While individual grants such as Pell Grants for education are indeed available for personal education use, typically government grants are awarded to foundations and organizations, which then serve individuals.

 

But that doesn't mean that there will never be a broader range of free grants for individuals. As of the date of this article; however, there are not; for example, free grants for personal debt. To stay current with grant opportunities, individuals should frequently check for new programs.

 

In addition to government websites, there are also private foundations and website links that can assist in grant searches, in addition to submitting grant application proposals.

 

Meanwhile, if there is not yet available; or if you do not qualify, for a free grant you never have to pay back, there are still other options including state assistance programs. The best tip is to keep all your mind open to other solutions. Instead of focusing only on; for example, a free grant to pay bills, also look for assistance to help you meet other expenses (such as food or housing assistance), which would free-up money to pay debts.

  

Turn over every stone, be watchful of scams and; if you find a program which you may qualify for, consider having an experienced, professional company submit your application. For example, a lawyer that specializes in SSI disability may increase your chances of getting supplemental security income approval.

 

 

Tips:

Don't try to call the United States Department of Grants. There isn't one. Federal agencies may have different rules for who is eligible for grants and loans and how to apply.

 

To get an idea of all the federal grants available, browse the online Catalog of Federal Domestic Assistance. These listings are updated annually.

 

Be aware that grants require you to submit a proposal to the federal agency describing what you plan to do with the money. Even after submitting a proposal, it may be quite some time before the agency either approves or denies your request.

 

Grants also require you to fill out forms, generally on a quarterly basis, that tell how much money you have spent and what you have spent it on, as well as how you are progressing on the work you promised to do.

 

A better approach for most consumers is to visit GovBenefits.gov. You check off which categories you fit into (for example, veteran) and then answer a series of questions. GovBenefits will identify loans and sources of financial assistance for which you may be eligible and tell you how and where to apply. You may be surprised what you are eligible for- there are forms of assistance available for a variety of personal situations including disaster victims, farmers, or people with teaching experience.

 

Grant to go to college? Facts:

You can fill out an application for Federal Student Aid by visiting the Department of Education's website. You may be asked to provide information about your income and your family's income to determine your eligibility. Save report cards and transcripts in case you need to report your grades. Have a good idea of what schools you plan to apply to and what you want to study.

 

Visit GovLoans.gov to learn more about well-known programs such as Pell Grants, Work-Study, and Perkins and Stafford Loans.

 

The Department of Veterans Affairs website can tell you more about the "GI Bill" and other programs for veterans and their survivors and dependents.

 

GovLoans.gov also has information about Parent Loans for Undergraduate Students (PLUS). Eligible parents can borrow to pay the educational expenses of dependent undergraduate children who are enrolled in school at least part-time.

 

Beware of "scholarship scams." For example, be wary when you hear that your bank account number is needed to "hold" the scholarship. Be sure the scholarship is legitimate before giving out any personal information.

 

 

Grant to buy a home? Facts:

The Department of Housing and Urban Development (HUD) helps individuals by giving grants to non-profits and local governments, however HUD does not offer assistance directly to consumers. Visit or call the HUD office in your state to find out more.

 

Here are some HUD loans and other options to explore:

 

HUD's Federal Housing Administration (FHA) insures loans, allowing you to purchase a home for as little as 3% down. Anyone can apply, but there is a limit on the loan amount they will insure-this varies according to geographic area. You can also wrap the closing costs into your mortgage.

 

A foreclosed or "HUD Home" may have a lower asking price. Most HUD Homes are affordable for low to moderate income families.

 

Through the Department of Veterans Affairs, veterans and their families may be eligible for loans to buy a home.

 

The United States Department of Agriculture's Rural Housing Service insures loans for the purchase of homes in rural communities.

 

Fannie Mae has a website that can help you find a low cost mortgage and a lender that are right for you.

 

 

Grant to pay rent? Facts:

Visit HUD's website to learn about programs to assist you in renting a house or apartment. You can locate low-income housing, or apply for a Section 8 voucher that you can use to pay some or all of your rent.

 

The Rural Housing Service makes financing available to elderly, disabled, or low-income apartment residents in rural areas to ensure they are able to make rent payments.

 

 

Grant to start a business? Facts:

There are no grants for starting or expanding a business, but the Small Business Administration (SBA) has loans to help you start a business. You can also get all the forms you need online.

 

You can also visit a SBA Small Business Development Center for help with starting, financing, or expanding your business.

 

 

Government grant, unclaimed money and unclaimed property

As the saying goes: "Buyer Beware". If you see ads claiming you qualify to receive a "free grant" for education, to start a home business or to payoff unpaid bills but you must pay a processing or membership fee to obtain the information, be wary. Scam artists will claim your grant application is guaranteed to be accepted and approved, and you never have to repay the money. But the Federal Trade Commission (FTC) warns that these grant offers are often a scam. The grant isn't free, nor is it guaranteed, nor is a refund.

 

According to the FTC, some scam artists market "free grants" in classified ads and on the internet, as in the example ad below:

 

Example of Grant Scam Advertisement - courtesy of FTC

FREE GRANTS Never Repay acceptance guaranteed. Government and private sources $500 - $5,000. Education, home repairs, home purchase, business, non-profits. Phone live operators 9am-9pm. Monday-Saturday 1-800-###-####, ext. [###]

  

When you call their toll free phone number, here's an example of what happens:

 

A company representative asks non-threatening, simple questions to supposedly determine if you qualify to receive a grant. The representative then acts as if he/she is checking your eligibility, and then congratulates you as being eligible. But for you to get the grant information from them, they will charge you a processing fee. Although they will promise you that the grant is guaranteed or you can get your money back, the truth is far different.

 

They will tell you that the processing fee is for finding a grant source and sending you the appropriate application package in the mail. But you won't receive an application or a source. Instead they send you a list of agencies and foundations which you must write and request an application. In order to get your refund, you must apply to; and be rejected by, all these agencies within 90 days.

 

Most grantors don't award grants to individuals for personal needs. Generally grants are to serve mankind and communities as a whole, such as job expansion, training under-employed youth, preserving history, funding charities, art museums, or for researching medical issues. So, even if you're in a financial hardship, or you may be an unwed mother, a single parent, a minority, etc, you're not likely to get approved for a personal use grant. And you may as well forget about getting a refund from the grant "broker" because the conditions for a refund are nearly impossible, requiring you to apply at every grantor on the list they provided to you and be denied by each resource within 90 days. If even one resource doesn't reject you within the first 90 days, you won't get your refund, nor will you get it back if the rejections are past the 90 day requirement.

 

If you're thinking about applying for a grant, remember that the applications are available to you for free and that anyone who guarantees you a grant is likely to be interested in their own financial gain, not yours. If you think you may have been a victim of a grant scam, file a complaint with the FTC by visiting www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.

 

Don't fall for grant scams. Use the free resources available to you at public libraries, on the internet, and at Credit Federal

 

With our resources, you can research and apply, 100% free for Government Grants with no fees. Plus you'll have unlimited access to Unclaimed Money which you can immediately claim with no credit card required.  Our links also include Educational Grants, and Grants for Disabled people, and even Veteran Grants. Search now for government assistance as well as individual grant foundations.

 

Search for government bailout grants and other government debt relief grants. If you're an individual, check for government grants to pay bills.

 

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.

 

 

NOTICE: This site provides Government Grant and Unclaimed Property links as a free public service and is not a grantor.  These government resources enable you to search and apply for grants and unclaimed property with absolutely no fees, no hidden charges, and no credit card required. For Gov Grant, Unclaimed Property or Private Grant Foundation questions or applications, contact the appropriate authority. Read our article, or select specific areas: Grant to go to college, Grant to buy a home, Grant to pay rent, and Grant to start a business. Research all government grant information.

  

 

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Getting Pay Checks by Debit Card

For workers with no bank account and who don't want to cash payroll checks, an option is to have pay deposited onto a debit card.

Of course this means they must pay fees either to have the money deposited or withdrawn. For many low income hourly workers, paper checks and direct deposit have been replaced by prepaid cards. Taco Bell, Walgreen and Wal-Mart are among the dozens of well-known companies that offer prepaid cards to their employees. According to the research firm Aite Group, $34 billion was loaded onto 4.6 million active payroll cards in one year.

On payday, employees can use these cards which function like debit cards to withdraw their pay at an ATM. Unfortunately, this typically means that they are limited in the amount that they are able to withdraw and they must pay a fee to access their money. Some employers and card issuers are claiming that the fees on the cards are usually lower than those associated with check-cashing services or perhaps even some bank checking account fees, often the only other option for people who do not have bank accounts.

The fees charged to use these debit cards can quickly add up. Providers charge up to $3.50 to make a withdrawal from most A.T.M.'s. There are other fees associated with using the cards as well. One provider charges 2.95 for a paper statement and $6 to replace a card. Some providers even charge $7 inactivity fees for users not using their cards.

These fees can take a big bite out of paychecks. It is not uncommon for a worker to spend $40 to $50 a month on fees associated with these payroll cards. According to interviews with consumer lawyers, employees, and state and federal regulators, some employees end up making less than the minimum wage once the charges for the card and withdrawing their money are taken into account.

Many employees say they have no choice but to use the cards. At companies where the employee has a choice, employees are often automatically enrolled in the payroll card programs and have to fill out a pile of paperwork if they want to opt out. Deyanira Del Rio, an associate director of the Neighborhood Economic Development Advocacy Project, said, "We hear virtually every week from employees who never knew there were other options, and employers certainly don't disabuse workers of that idea."






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.

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