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Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
 

 



Finding Lenders and Credit Card Companies to give You Loans and Lines of Credit:


Shopping for credit can result in serious dings to your credit score each time a hard credit report is pulled. So what do you apply for loans and cards when you already have a marginal or low credit score?

Instead of applying blinding and madly for multiple credit card offers, auto or personal loans, consider using a free matching service. Many lenders and issuers engage in these matching services, as they would rather receive qualifying applicants.

How it works: Loan providers and card issuers provide minimum credit requirements, which matching services use to pre-screen and thus pre-approve customers for certain loans and credit cards. Of course, they accomplish this through a "soft-pull" by asking the applicant a series of questions. Based upon each applicant's answers, a professional matching service can whittle down to lenders and issuers more right for your particular credit history.

Not only does this method limit unnecessary hard credit pulls, it can also be a huge time saver, as well as help to protect your identity by limiting the amount of creditors you submit your personal information to.

  

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. 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.

  

   

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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.

  

 

Don't be a victim. Read our latest news about scams and fraud, and join our newsletter to receive alerts.


How to resolve ATM machine problems: "My bank statement shows an incorrect amount for an ATM withdrawal." Always save your ATM receipts until you compare them to your monthly statement or you verify your transactions online. Promptly report any error. FDIC attorney Susan van den Toorn says to be fully protected under the EFTA "you must notify your financial institution orally or in writing no later than 60 days after it sends your periodic statement." "The ATM ate my card." This can happen if, for example, the card was defective or your bank suspects it may be involved in some type of fraudulent activity, according to Denise Davis, an FDIC Consumer Affairs Specialist. "Immediately contact the financial institution that issued your card," she says. Don't expect to receive your original ATM card back - you'll probably get a replacement card. The process can occur fairly quickly if you notify your bank immediately. "The machine cheated me." What should you do if the ATM gives you too little cash, or no cash at all, and the receipt says you got exactly what you asked for? Immediately contact your bank to report the problem, even if the machine belongs to another financial institution or company (although it's wise to alert that other entity, too, if possible). Make sure to keep a record of the conversation. It also never hurts to follow up in writing. The next step is for the ATM's owner to determine if the machine has too much or too little cash, and why. "What happened to my deposit?" When making a deposit at the ATM, record the transaction in your checkbook, including information about each check. Keep the ATM receipt and verify the deposit by reviewing your account statement or checking your account online, which is faster. If you believe some or all of your deposit was mishandled, immediately contact your bank and follow up with a letter. If a check is missing, you might have to ask the check issuer to stop payment. Also remember that deposited funds are not immediately available for you to withdraw; they will be subject to your bank's funds availability policy and federal schedules.



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.
 

GrantsMoneyInformation.com Review - Copyright 2011 www.grantsmoneyinformation.com. Read Our Terms and Conditions. All Rights Reserved

Are you Searching for a Individual Government Grant, Now See who has received free grant money from the government and how much they got.

Grant Money Tips: Not enough people are informed it, but the US Government hands out many billions of dollars per infinity control the form of discharge grants. It is a common misconception that only burly corporations further companies benefit from these government government handouts, but this isn't true at all.

The truth is, many people, regardless of payoff or status, can apply for, besides get government grant money. sincere doesn't source whether you are rich, poor, or in conclusion grease between, adept is money available from the government for you to use. There is a big asymmetry of programs also funds available to you; you just conceive to qualify and use for them.In fairness, the government isn't great at telling people exactly how to rack up their hands on a government grant. They are not very good at getting the word out about these grants either. This isn't a conspiracy by any point; it's just a ruling of the government in that a burly bureaucracy.

For anyone crave to get government grant money, the foremost thing they should watch out for is the risk of being scammed.Actual application forms in that all government grants are unshackle. Therefore, your alarm bells should ring if component company or individual tells you that you have to bankroll for these application forms.

As mentioned previously, the U.S. government is a bureaucracy. This will become evident when you header to carry off government accede important. Don't expect a particularly quick response, as the process for submitting a grant, having it reviewed, then accepted or rejected onus take some time. While this obligation be frustrating for the applicant, a successful application will break ground it benediction all the time and effort expended. This is another good reason to utilize for as many grants simultaneously, that you qualify owing to. That way, you will opine the best chance of getting some grant money.


GovernmentGrantsPro.com Review - Copyrights 2010 GovernmentGrantsPro.com

Personal government grants are given as free money, they do not even care if your credit record looks poor, you might still get the grant. In fact people who appeal to this sort of financing, are those who do not have credit lines or are deep into debts they can not sort it out. Apart from this, you should know that this kind of help is not repay-able, meaning that it has nothing to do with the conditions of a loan. The most important and main factor is that you need to be American citizen.

The personal government grants of this sort are the financial aids that families with low income are entitled to apply for. Along with them there are the senior citizens as well who can benefit from this government grant. Government will always save money separately for these sorts of purposes, but to get these free money you should comply with the requirements that will decide whether or not you qualify for the personal government grant. When you consider applying for this kind of grant, you should know that these ones are given for the personal needs such as repairing the house, shifting from one place to another base of home, paying as well the utility bills, and the medication bills, these ones being mostly offered to the senior citizens. You should know that the provision of money allocated for this purpose is around 93 billion dollars. 

As the name implies personal grants help us finance our personal expenses. This is a very broad grant category where the grant amounts can be very high. These programs were invented to help you pay off expenses related to your everyday needs.

The personal grants category covers many different needs including, but not limited to: senior needs, children needs, women assistance, medical needs, transportation assistance, disability needs, debt assistance needs, and life related needs. It is not uncommon to receive help with paying off mortgages and other bills.

As you can see these personal grants span many different levels of living expenses. These programs work at individual level only, and therefore there are requirements and conditions people must meet in order to apply. For example, senior assistance is given to those citizens who can qualify for a personal grants dedicated to Americans over the age of 65. Every personal grant will have to have a reason for disbursement and you can not just apply because you need money. The good news is that not only applications who are in financial need will receive grants. Very often you do not have to be considered a low income applicant in order to be eligible for personal grants.

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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.
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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.

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