Government Grant forums

I found a forum which has a whole category for government grants. This is on a credit forum, which deals with issues from credit repair, mortgages, credit cards, insurance etc.


Here's the link to the forum
http://www.creditraising.com/forum/


Here's the link to the Government grant section of the forum
Government Grants
http://www.creditraising.com/forum/forumdisplay.php?f=39

Here is an interesting post I stumbled across in this category- Government Grants tips

The New Home Based Business Owner: Tips to Success

Starting up a new business can be great. There are the obvious benefits of having no boss to answer to, setting your own work hours to agree with your lifestyle, knowing that your level of success relates to the effort put in, and the pride of being able to tell your family, friends and anyone who will listen that you own and operate a successful home business.

Anyone has the potential to be successful, but even with an idea that you know will change the world, proper strategy must be applied or you will fail. And folks, proper strategy comes in the form of marketing/advertisement. Simply put, the complete process of a business transaction and ways of getting your product seen by the masses. Marketing/Advertisement is the primary source to generate success other than a great quality product or service. Good advertisement requires time and effort, knowledge, talent and money and a plan. Contrary to what we’d like to think, you can’t get something without something in return.

Even with good marketing and advertisement, you shouldn’t be discouraged if success is not obtained immediately thereafter. Two sides of self are usually tapped into when it comes to business owners. Realism and Optimism. This means that you should always hope for the best, but don’t get discouraged and quit if a misfortune comes your way. Setbacks happen with every business and is just part of the ups and downs you will experience.

Knowing your target audience is another key thing to add to the to-do-list titled Success. You need to know the exact range (whether it be generation, age or race, etc.) of people that your product/service will be of interest to and capture sales. Then, tracking your sales and results of your marketing plan comes next. This is a wise thing to do because if some part of your strategy is not working, you have the ability to pin point the mistake and revise it. Revision is a very important part of even having a plan in the first place.

With all of this said, attaining knowledge in the field you wish to pursue is first and foremost. There are many great programs and people out there that will help you learn, you just have to find one that is right for you. Learning the small tips and tricks that help a business run smoothly comes with time. If you are serious about starting your own business, always remember to push through the frustrating bits and don’t give up your dreams. Hardship is what makes success all the more amazing.

Credit Raising - a related website

We have found another useful website on credit and finance, and some of this also covers government grants and loans.

Here is
-> http://CreditRaising.com

They also have an articles category with some useful categories on credit, bad credit repair, loans, mortgages, debt, and many other credit topics. Check it

-> http://CreditRaising.com

Small Business Grants in the States

Small business grants are closer than you think. In fact, the small business grant you need to start or expand your business may be available right in your own home state.

While there are still no direct small business grants available from the federal government, many state development agencies offer direct small business grants and other types of financial assistance designed to encourage and assist entrepreneurs in starting or expand a small business.

Free Business Grants

Several free business grants are provided by the government for the business-minded person. If you think you have a profitable business or that your business needs additional funding for expansion then several free business grants are available to cater to your financial needs.

One of these free business grants is the program of The Department of Homeland Security (DHS). This free business grants program by DHS seeks innovative ideas and inventions on security-related products. The award for those who will successfully hurdle the competition is $100,000 for six months to fund research that will prove the scientific, technical and commercial value of their concept. If DHS approves of their ideas, the companies can expect a two-year $750,000 free business grants to be spent on making functioning stereotype of the product.

The DHS free business grants’ program is funded by the Small Business Innovation Research. To qualify for this free business grants, one must be a U.S.-based company with 500 or fewer employees. Proposals submitted for this free business grants program should focus on the following areas: chemical and biological defense, information technology and marine security.

Other free business grants that you can avail of can probably be found right in your state. The federal government though, does not as a rule, provide for free business grants. But a number of state-run development agencies do provide free business grants among other things to those interested in going into business. These state-run economic development agencies that give free business grants can be found in Kansas, Nebraska, New Hampshire, New Mexico and Utah. The rest of the states offer financing, incentives, support and technical training services to budding entrepreneurs and practicing businessmen alike.

The U.S. government’s Small Business Administration (SBA) was established in 1953 to address specific business needs. Free business grants are not available in Small business Administration but they do offer valuable assistance from conceptualizing the business to technical support and training to advices in making the business grow. SBA also extends attractive loan packages to people who want to start or expand business. SBA can be found in every state. And it has worked with several non-profit, lending, educational and training organizations nationwide.

Business is a factor that help spurs the U.S. economy. It provides employment to people. It provides the much-needed taxes to the government. And make economic progress possible. Businesses need all the support the government can give. Free business grants could be valuable tools in making the business grow. With free business grants, a door of opportunities has opened for those who want to try their hand in business.

Would you like to learn how you can get your hands on up to $50,000 or more in cash that you won't have to pay back ever?
Get your share of billions of dollars of yearly grant money with: Government Grants Secrets Exposed.

Business Funding Secrets Newsletter - Business Plans

Business Plans
All business loan and venture capital deals begin with the clear communication of the facts, which influence a Funding Source to consider the transaction. This communication comes in the form of a business plan.
Great insight into the Client's company comes from the business plan. Therefore, a plan needs clear and concise data stating the Client's product, or service, who they are, their track record, the funding request, financial statements, and other informative information. Clients must use the plan to effectively communicate their strategies, and their commitment to the success of the project.

An effective plan will always start with a one page Executive Summary. This one page will be written with facts, no fluff, so that the reader has a clear understanding about the company and what they do. Statements made in the Summary are supported by the documentation within the body of the plan. It is the summary that encourages the reader to spend valuable time digesting the rest of the business plan.

It is advisable for the Client to have a good understanding of all the elements necessary to make a successful plan. There are always Clients who spend too much time trying to market projects to funding sources, when the project has no chance of being funded due to the poor quality of the business plan. The business cannot be funded if no one is willing to read their plan and accept the information as being of sound business and financial reasoning.

There are a number of books and sources available to assist the Client develop a better understanding of writing and presenting a business plan. One source that provides free business information is the web site www.StartingAndExpandingABusiness.com. Along with other information on this site there is a list of books, which focus on the development of business plans.

books were the ones recommended by professionals who participated in a national survey concerning books on business plans.
When approaching a Funding Source, Clients should take into consideration: if a person is job hunting, does a quality resume, or a sloppy one have the greatest possibility of landing the job? The answer, of course is A quality. When seeking capital for projects, the same is true concerning business plans.

Currently, there are a tremendous number of deals already in the marketplace, and there are many more people looking to expand their business. Many of these deals submitted for financing are turned down due to the fact the A Plan is not adequate and will never be successfully accepted by a Funder.

Clients need to understand the chances of successfully funding a project, diminishes greatly when they are unable to present a quality business plan. Submitting an inadequate plan, or completing a plan with partial effort, will not get successful results.

When a Client submits an ineffective business plan to a Consultant who will then in turn submit the plan to multiple funding sources, the Consultant has choices: one, trash the deal and move onto the next deal, two, the Consultant can waste time and money calling other Consultants and Funding Sources in a fruitless attempt to find Funding, or three, determine whether the project is at least viable then discuss with the Client the facts of submitting a quality package.
Until next time,
Brad MacLiver

Copyright Business Funding Secrets 2005
For more information on obtaining funds from the capital marketplace, you can: 1. Receive the monthly newsletter, Business Funding Secrets, which provides tips and information concerning business funding. http://www.businessfundingsecrets.com 2. Review information from The Project Corporation, a professional consulting firm with expertise in business funding. http://www.theprojectcorp.com, & http://www.businessloansandventurecapital.com

Free List of Government Grants

The government through its affiliate of federal agencies has a free list of government grants. Free list of government grants could be found in several federal and state organizations.

The annual federal budget process enables Congress to allocate federal grant to various government agencies for major projects. Projects are suggested by anybody, be it the President, states or constituents but the final decision on which project gets what amount of money rests on Congress.

Catalog for Federal Domestic Assistance (CFDA) contains a free list of government grants approved by Congress. CFDA’s free list of government grants is a helpful resource for those who want a chunk of the huge Congress-approved funds. But the CDFA’s free list of government grants is a bit confusing for those who have no previous idea on the grant application process. It is best to acquaint yourself with the grant processes first before using CFDA. CFDA’s free list of government grants is open to all individuals and organizations that qualify in a specific project. But using CFDA’s free list of government grants does not ensure one success in grant application. Applying for this free list of government grants is not as easy as its sounds.

The complex application process is meant to weed out the important from the trivial, the deserving from the undeserving. Applying to any of the free list of government grants is highly competitive. And most of those active grant-seekers hire full-time employees to overlook the application process and implement the grant project. Each CFDA’s entry of free list of government grants contain information on the use of grant money, application for the grant money, criteria for reviewing and awarding applications and expectations from the successful grantees.

Aside from CFDA, government agencies also contains free list of government grants. Free list of government grants can be found on government websites such as Department of Education Grants and Contracts Information, Department of Housing and Urban Development (HUD), Department of Justice (DOJ), Department of Transportation (DOT), Environmental Protection Agency (EPA), National Institutes of Health (NIH), Stopping Violence Against Women and

Community Oriented Policing Services (COPS) and Department of Health and Human Services (HHS) which provides free list of government grants on over 300 programs. Federal Emergency Management Agency (FEMA) contains free list of government grants. FEMA aims to assist victims of natural disasters such as fires, earthquakes, storms and many others.

If you are a victim of any natural disaster, FEMA website could provide you with a free list of government grants. The Department of Agriculture administers Food and Nutrition Services contains free list of government grants especially regarding its Food Stamps program. Free list of government grants could also be found in Health Care Financing Administration (HCFA). The Social Security Administration also provides free list of government grants on four categories: retirement benefits, survivor’s benefits, disability benefits and supplemental security income. To avail of educational benefits, you can inquire for free list of government grants at Veteran’s Administration.

students who need money for further studies, free list of government grants can be found on Free Application for Federal Student Aid (FAFSA). FAFSA’s website is http://www.fafsa.ed.gov/.

And finally, various government and non-profit sites could give you free list of government grants such as GovBenefits, Grantsnet, Non-profit Gateway and The Foundation Center. GovBenefits contains free list of government grants which can be accessed at http://www.govbenefits.gov/.

Would you like to learn how you can get your hands on up to $50,000 or more in cash that you won't have to pay back ever?
Get your share of billions of dollars of yearly grant money with: Government Grants Secrets Exposed.

7 Tips for Small Business Success

Do you own a small business and want to make it an absolute success?
Then you’ve come to the right place!
You see, I’ve had the opportunity to work with many fellow small business owners and I’ve been able to help them make millions of dollars in increased revenue in my time with them.
Over that time I’ve found that most small business owners are usually missing some of the most fundamental things in their business.

Here are just 7 fundamental things that will make your offline business an absolute success…

Tip #1 - ‘Indirect’ Marketing – Now before you roll your eyes and scream, “Oh gosh not another one!” Hear me out. First of all your marketing is not just your flyers, ads or sales pieces, but rather things like adding copy to the back of your business cards, the presentation of your products, how your employees speak to your customers, how your business smells (yes I said “how your business smells”), what your office looks like, how you dress and how you reward your customers. There are so many things I can tell you but, all of these things I mentioned will only give you more word-of-mouth and free advertising. Nothing beats having a REAL person say that you are the best thing since sliced bread!

Tip #2 – Sales & Marketing – Okay now here’s the scoop here…You see many entrepreneurs often mistake these two as some interchangeable term and they’re absolutely WRONG! Listen let me make it simple for you so don’t do the same thing. Marketing is the process of generating leads or traffic to your store, phone calls to your office or a list of people interested in your product or service. Sales is the actual act of persuading the customer and collecting the money for your product or service. Your sales force is not your marketing team and the two should not be confused. However, their success or lack of success in treating your prospects and customers with care and respect will resonate throughout your business.

Tip #3 - Website – In this day and age, for a person not to have a fully functional website that helps them to build relationships and drive more sales through their business; completely blows my mind! The potential for people to create loads of increased revenue is tremendous, just by forming an online relationship with their current customers through email. You can literally run a special and send out an email to your current customers notifying them of it and be sold out in a day!

Tip #4 - Systems – Oh boy here’s another one. If you’re in business and intend on staying is business and growing it, then systemizing your processes is an absolute MUST! It may mean buying software or creating a manual system depending on the procedure. Having a systemized and predictable process of doing things is like breathing…Without it you CANNOT survive!

Tip #5 - Accounting – Let’s say a little rhyme I made up okay! “Money in, money out; where does the money go? If you do not book it first, how will you ever know?” Accounting, Finance or Bookkeeping what ever you’d like to call it is simply essential for running your small business as efficiently as possible. Besides if you don’t track your income you may never know where it’s being made. I’ve had the opportunity to meet quite a few people that have had books that my baby girl could have done by banging on my keyboard! Are you guilty of this too? Many business owners find great revelations or insights into their business by getting an in depth analysis of their books.

Tip #6 - Research – Now this may be a little more advanced for many people with an offline business but if you were to spend a little more time in researching the buying habits of your current customers, you may quickly find that there are reasons beyond your understanding that people purchase items from you. You might also be surprised what people will tell you. Additionally, your customers do not generally buy your product or service for the same reasons, so finding out what the main reasons are will not only help you serve the masses more efficiently, but it will help you to create more value for your non-consumers. This way you’re covering all of your major angles and providing greater quality for consumers and converting non-consumers into paying customers. Can you say, “More Sales?”

Tip #7 – Emotions – Now you’re probably thinking, “WHAAA?” Well let’s put it this way, when you go to a store, any store and buy something you need or want what are you doing? Are you using logic or intellect? NO Way! You’re fulfilling some emotional state. Human beings NEVER buy something for logical reasons despite what you think or some know-it-all tells you. SO how do you apply this to your business? Well here’s one thing you can do. When a customer walks in and asks a question, have someone honestly and sincerely answer their question and find out exactly what they need or want. Show them you care and they’ll reward you with their money over and over again!

These are just some of the dozens of different things that can and will make your business small or large more profitable. By applying any one or all of the above tips you are almost guaranteed business success.

Stop, read these tips read them again and then see how you can apply them to your business.
Copyright 2006 Rasheed Ali
Rasheed Ali is the world’s #1 business improvement coach and is known as the world’s 1st Solution Coach™. He has helped thousands of people improve their businesses but most of all their bottom line! He is founder of http://www.Solutioncoach.com a unique new resource that will help you transform your business, become more profitable and make your competition irrelevant!

Raising Start Up Capital For Your Small Business

You have your business idea, your business plan in tow, your ducks in a row, and you're ready to get your business off the ground except for one problem - you have no start up capital. Unless you were born into wealth and have it at your disposal, then you are like most small businesses and need a helping hand.

How can you raise start up capital? There are a few ways to go about it:
Small Business Bank LoansMany financial institutions provide some type of small business loan program. In order to get funding from a bank for your small business, you will need a solid business plan. You'll have to prove that your business will generate enough cash to make the loan payments. Each bank's requirements are different but if you are able to articulate how you will succeed, have decent credit, and possibly a co-signer, you may be able to secure a small business bank loan.

SBA (Small Business Administration)The SBA is a great resource that provides information on requirements, credit factors, how to apply for loans, etc. The web site is a good starting point before attempting to apply at a bank. The better prepared you are, the easier it will be when you begin the application process.

Family & FriendsA lot of small businesses raise start up capital this way. Family and friends usually want you to succeed and believe in your business. It is wise to treat these relationships as real business relationships. Plan how you will repay their loans, the time frame, and at what interest rate.

Angel Investors & Venture Capital FirmsPrivate angel investors and venture capital firms work primarily in the same way. They invest in the equity of your business and expect a return in the form of an acquisition, IPO, or stock buy back in the future.

The key to any of the above methods is to have a well written business plan. A good business plan will prove that you are serious about your business and that you can demonstrate the way you plan on making it successful.
Eartha Haines is the author for http://www.selfemployedblog.com. Self Employed Blog is a web site which shares ideas, services, products, and opportunities that may help others move closer to their dream of becoming their own boss.

Get A Government Grant Now!

Borrow from $1,000 to $100,000 for your business online today. Apply Now!

Top 7 Tips for the Small Business Who Is Looking to Hire a Marketing Firm

Marketing is what 99% of businesses fail to do correctly. Many small business owners recognize this deficiency and hire marketing firm. Yet, the results are not what are promised after these small business owners have spent their limited resources of time, money and energy. From my experiences as a business coach to help my clients with their process improvement plans to their strategic plans, I have identified these 7 marketing tips to help any business increase sales.

What are the clients' results from their marketing solutions?

The first question you should ask: “What are the results that your marketing firm has delivered to your clients within my industry? All marketing efforts should be directly tied to specific results and measured on a regular basis. If the marketing firm cannot answer this question, quickly and positively, then you may be talking with the wrong marketing firm.

Talk to at least 2 to 5 of the potential marketing firm’s clients

By talking to existing or past clients will help you determine if this marketing firm is the right fit for you. This is much like asking and checking references on a potential employee.

Determine if you want branding, name recognition or actual clients

Before you meet with the firm, you need to determine if you want name recognition, name branding or actual clients. Each of these determinations will deliver a different marketing strategy. For example, name recognition can be delivered by television, radio, print or billboard advertising. Name branding may require more expenditures using this media or from other marketing strategies such as article writing or speaking. Actual clients is really want you want and may involve trade shows where you have greater access to potential clients.

Set a time frame for the marketing firm's performance

Establish a time frame for the marketing campaign. A marketing campaign is very similar to a goal. All goals should include a target date or time frame as should your marketing.

Measure all results of the marketing firm's efforts

Marketing needs to deliver results. Let me repeat this: These results which should have already been identified can be increased marketing awareness through surveys to actual increase in number of incoming phone calls, Internet visitors, etc

Ask about the percentage of direct mail versus television, print, or other media?

Marketing employs various delivery vehicle. Television, radio, print and billboard deliver impressions. Direct marketing focuses on ctual contacts. Marketing research still supports that direct mail is the most successful form as it secures the most consistent measurable outcomes. For example, 1000 piece direct professional mail campaign will deliver 1% to 2% rate.

Look for a call to action in current marketing samples

The existing marketing samples should show a call to action. Many marketing firms fail to include this simple action that will generate you more sales.
After working with numerous small business clients, I have personally witnessed a lot of poor marketing campaigns being delivered with very expensive price tags. Taking the time to review these marketing tips in your selection of a marketing firm should truly help you increase sales by uniting your marketing plan to your sales plan.
Are you where you want to be? Are you experiencing repetitive marketing challenges? If you could overcome those challenges, what would that mean to your bottom line, your daily productivity or sense of personal achievement?
Leanne Hoagland-Smith, M.S., an Indianapolis business coach and Chicago business coach, helps individuals just like you to turn these challenges into measurable outcomes using results driven executable strategic plans for sustainable transformational change

Then, take a risk and call 219.508.2859 for a FREE telephone consultation.
Visit http://www.processspecialist.com/ and explore everything from free articles to learning the "Secret of Success."
P.S. Looking for a motivational speaker for a keynote or full day workshop? Give Leanne a call at 219.508.2859 to schedule for that important event.

Free Grant Money

Every year, Congress allocates billions of dollars in the form of free grant money to aid major projects that would ultimately benefit communities. Allotment for education grants alone reached an estimated $67 billion annually.

Free grant money can be availed of from various government agencies. But this free grant money does not come without a price tag. This may sound ironic but free grant money is not exactly for free in the truest sense of the word. With free grant money come obligations, responsibilities and consequences. These are legally binding too because the use of free grant money entails use of public funds which must be properly accounted for. Free grant money is actually your compensation for accomplishing certain obligations. Free grant money is something you have to work for to attain. Free grant money does not just fall on your lap with a minimum effort. In short, free grant money does NOT come for free.

There are various resources to be able to acquire free grant money from the government. President George Bush recently launched GovBenefits.com website which contains information on where can avail of free grant money. GovBenefits.com can give you valuable info the free grant money to avail.

If you are an entrepreneur and would like to open a new business or improve an existing one, the government has free grant money program for you too. Economic development agencies that extend free grant money exist in the different states. Free grant money information can be found in Kansas, Nebraska, New Hampshire, New Mexico and Utah websites. The rest of the states do not have free small business grants but do offer financing and technical training services to individuals who want to go into small business through the U.S. government’s Small Business Administration (SBA) program.

The Catalog of Federal Domestic Assistance (CFDA) also offers info on how to avail of free grant money. Their website http://www.cfda.gov/ gives valuable info on how to avail of free grant money from the Congress’ approved funds. But CFDA is useful only to people who have insight into the grant application processes. Otherwise, it would be hard for you to understand the CFDA entries on each program. And you’re grant application might be rejected because of that.
For students, free grant money information could also be found on Free Application for Federal Student Aid (FAFSA) website http://www.fafsa.ed.gov/. The FAFSA is a seven-step guide that inquires about your personal details, financial status, school plans and many others. In 2002 alone, 6 million students have availed of free grant money through the FAFSA.

Free grant money under the discretionary programs by the government such as those listed in CFDA requires going through a lengthy often grueling process. A formal application must be prepared and submitted. After that the concerned agency will consider and approve or disapprove the application. Then the implementation will be subjected to a lot of further requirements like accounting, disclosure and auditing of expenses to the last cent.

organizations would even hire full-time staffs just to take care of the application and implementation processes. “Grantsmanship” is the term used to refer to the art and science of applying for grants. The government can be pretty meticulous on how it spends its money. The Grantsmanship to apply for free grant money takes a lot skills indeed!

you like to learn how you can get your hands on up to $50,000 or more in cash that you won't have to pay back ever?
Get your share of billions of dollars of yearly grant money with: Government Grants Secrets Exposed.

Click here for more info --> http://www.highly-rated.net/grants

Establishing Good Personal Credit

When your credit is good, you will have no difficulties applying for loans or credit cards. In some instances, the personal credit history of a person is scrutinized when applying for jobs too. Basically, being financially desirable is certainly an advantage. Companies and lending institutions will be the one clamoring to have you as a client and you can avail of certain privileges that come from be having a sound financial life. There are many ways you can easily establish good personal credit. Simply follow the following advices.

Pay on Time

Whether you are paying credit card bills, car loans or mortgages, you should make sure that you pay on time. Aside from incurring additional charges such as late payment fees and other penalties, you are at risk of losing personal credit points each time you miss a single payment. For housing loans, lenders immediately provide the Credit Bureau with a negative report even just after one missed payment. At the beginning of each month, set aside the money for your personal credit obligations.

Limit the Number of Credit Cards

Many people do not realize that having a lot of credit card, which they could not even pay, reflects poor spending habits and lack of financial management skills. On the average, an American is said to own at least seven kinds of credit cards. Do not make your personal credit life complicated with so many credit cards to manage. Have a maximum of three personal credit cards that you can easily manage. It is also good for your personal credit to use these cards once in a while. Good credit card activity will gain you points and increase your credit score.

Prioritize

The most common mistakes that people make with regard to managing their finances and personal credit is not learning how to prioritize. Bills and other payments for credit obligations always come first and luxuries come last. If you are having problems with keeping track of your finances and personal credit, lean to list down things. You can even use your personal computer for convenience. There are software programs that could help you manage your finances with just a few clicks. Always separate items that you do not need and if you come into some extra money, then it is the only time when you can buy these things.
Taking care of your personal credit is very important as it is the only way you can enjoy financial freedom. Although it looks a lot of sacrifice and discipline, you will certainly avoid a life filled with letters and calls from your creditors.
On the other hand, not seriously thinking of the state of your personal credit history and continually spending like there is no tomorrow, then you might yourself losing everything you have such as your home, cars and other personal assets in order to pay off all your creditors. Sadly, you will even suffer from the embarrassment of being denied everytime you apply for something that requires a good personal credit score.

To get boatloads of unique credit tips and unusual resources such as Credit Tip Videos, Credit Dispute Software, E-Books, Articles, Blog, Etc. to help dramatically improve your credit report and raise your credit scores up to 250+ points please go to: http://www.CrediTips.com/blog/index.php

Small business grants Program- Try This

We have stumbled on a Government grant program for small business grants or even the general public to use. This is a unique program which offers valuable information about government grants and the steps you need to take to obtain a government grant.

Thousands of people are benifiting from this program this very minute. You could be next...

Get free government grants for any purpose, Guaranteed! >> Click Here! <<

To try this program Click Here!

Leave your Comments and Feedback Please

leave your comments and feedback my blog

I have writing this Small business grants blog now for about 2 months, and it it going to continue to grow bigger, get more posts, more information about government grants, loans and other money tips and hints.

I would like to hear comments from my readers on each post.

Don't feel shy, just put a comment after my posts, or any extra knowledge you have.

Your feedback would be appreciated Thanks.

Please leave your comments and feedback please... will look forward from hearing from you...

Free Government Grant Money - Tips To Getting Thousands

Despite what you may hear on television, the radio, online, or in many publications across the country, the U.S. government is not really just giving money away.

In order to get free government grant money the grantee must meet certain expectations and requirements.
Technically, the grant can be seen as free since the money need not be paid back, but there is plenty of work that goes into receiving a grant, so it is not free.

The grantee is obligated to fulfill his or her promises as explained when applying for the grant.
The free government grant money is given under the assumption that these obligations will be met. If the grantee does not meet the obligations as explained, there will be many legal issues down the road.
Usually, free government grant money is given to individuals and organizations for many different reasons.

Some of these reasons can include neighborhood improvements, state programs to retrain displaced workers, gentrification to depressed urban areas, water conservation, or even flood control projects.
Usually a grant is rewarded for a project that is important to the community overall.

In order to keep the free government grant money and avoid any possible legal ramifications, grantee organizations and individuals must meet rigid performance requirements throughout the duration of the project.
Every dollar spent must be carefully recorded and accounted for. Furthermore, it is important that all money from the grant be spent; otherwise, it goes back to the Treasury.

If the requirements are not met in accordance to the grant agreement, penalties such as fines or even prison could ensue.
Earl Taylor is an expert opportunist with 8 years experience as an internet marketer. He is the author of careerjobs.bizland.com. His diligent research and precise recommendations has been known to help thousands. To find out more on how to qualify for up to $125,000 in personal grants to purchase a home, repair a home, pay off debt, visit: careerjobs.bizland.com/government-grant-money.html.

Small business loans

Small business loans
you have just started up a small business and think that you have potential to do well in this venture, but just don't have the capital or finance to start up your project, then if might be a good idea to take out a business loan. This can provide you with money to take your project off the ground, and once your business gets going, and you make profit you can pay the loan back in full.
Small business loans are available for people who hold bad credit aswell as good. This is something that not many people know about. You can get a secured loan or unsecured one. A secured loan requires you to put down something as collateral, such as your property, car etc, but for an unsecured one you don't have to put down anything. In a unsecured loan the interest is higher though.

What factors affect the loan?

Factors such as

• Credit status
• collateral value
• availability to repay it back

If you have bad credit, your interest will be higher due to you having a higher risk of not paying it back.
To be given the loan you will have to give a profile plan of your business, giving details about your business and plans to make it take off, etc.
You will also have to request a document stating the type and amount of loan you wish to have, and for how long a period you wish to have it for.
Small business loans are efficient if you know how you are going to plan the project,
Even if you have bad credit you can still obtain a loan, and rebuild your credit by repaying the payments for your loan on time, without missing a payment.

Rebuild to get an A++ credit file Click Here

Along side Small business start-up loans, an alternative way to borrow money would be to take out a Government Grant. This is money you Don't have to repay back!

Get a Government Grant now -> click here <-

Government Business Grants Are Within Your Reach!

Do government business grants really mean free money?
The simple answer is yes. However, there are many qualifying factors that you should be aware of.In any event, if you are an entrepreneur or an individual in search of the most advantageous sources of financing in order to start a business, then you might be interested in hearing and learning more about government business grants.
In a world where everything evolves around money and financial improvements or financial stability, finding that affordable and guaranteed money source is vital. And this money source might have one name: government business grants.

What Do The Numbers Say? How Many Entrepreneurs Benefit From Government Business Grants?
Today, the government business grants – the ones which are strictly designed for small businesses – add up an amazing 30 billion dollars a year. And furthermore, many of these thousands of grants are free. Around 12 million dollars are awarded to women entrepreneurs and minorities alone. Considering all these encouraging facts, why don’t all entrepreneurs find these government business grants the perfect solutions for them and their businesses?

Is The Application Process Simple And Easy To Follow?
Many entrepreneurs give up applying for government business grants when they find out that there is a lot of paperwork involved and the waiting period can extend to one year. Sure, this might be the case, because there are several institutions that need to give their approval for the government business grants. But the fact is that it is all worth it. First of all, the government is offering much more business grants than in the previous years and furthermore, more and more types of companies or small business is are eligible for such government business grants. Does it mean that the approval process has been relaxed? Not necessarily…

Can You Benefit From Government Business Grants?
The encouraging facts are that every year more than a million entrepreneurs benefit from these government business grants and other types of free subsidies. Not surprisingly, these entrepreneurs originate from very diverse fields, from small local shops to non-profit organizations. In addition, the minorities are encouraged to apply and to obtain the money they need to enact the process of equalization.

How Advantageous Are These Government Business Grants?
If some years ago, the usual targets of financial help coming from the government were mostly the educational and health care sectors, now, there is a wide variety of businesses, especially small businesses that can benefit from the available government business grants. Why “advantageous”? Simply because some of these grants are free grants, which means that the entrepreneur dose not have to give even one red cent back – think about this type of free government business grants like they are free scholarships. Even the government business grants that function as easy terms loans have much greater appeal to the borrowers. For starters, the entrepreneurs do not need to present a perfect credit history, since this is not one of the eligibility criteria. Even though in most cases we are dealing with an interest on the sum loaned, this interest is much lower than when dealing with regular loans from banks.


Nick Burton operates a website trying to aid individuals and businesses trying to find government grants. Grants Finder

Small business grants

What factors affect getting small buisness grants ?

If you want a grant for your business it will depend on a variety of factors, to which type of grant you are interested in.

Factors could include,

• would your business create employment?
• Purpose you want the grant for?
• the Location of the venture aswell as the size.
• For advice on grants I recommend you contact your nearest Business Link.
  

Do you need a business grant? For what purpose?

have you u obtained a business grant? - Did you get alot of money? as much as you expected?

Please comment and share your experiences !

Small business grants

Student Financial Aid

What’s Up with Student Financial Aid?


Yes, you can truly afford a college education, especially with the help of Student Financial Aid. All you have to do is some research, and educate yourself about the Student Financial Aid process. Many types of college funding are available, like federal, private, and school assistance.

S everal main kinds are out there: 1. no-repay student financial aid, like grants and scholarships; and, 2. pay back financial aid, such as work-study and loans.

When applying for most any student financial aid, the first thing you must do is to fill out the FAFSA, otherwise known as the Free Application for Federal Student Aid. If you are still dependent on your parents, you will need them to fill out their portion for you. Incidentally, most colleges and universities use this document to design and offer individualized financial aid packages.

Anyone seeking student financial aid should understand some more about the grants—Basically, Federal Pell Grants are awarded based on financial need and college expenses. However, there are also the Federal Supplemental Educational Opportunity Grants, which are institution-based grants designated exclusively for those with extreme monetary needs. Then, as for loans, the US Department of Education makes loans to students known as Federal Perkins Loans and Stafford Loans. There are also PLUS loans that parents can use to borrow for their children. In addition, there are also private loans made by other lenders, which may be higher interest and not require a FAFSA. Usually such loans don’t have to be repaid until you are out working, and they can also be consolidated. Also, student loans can also be deferred if you are in a graduate or professional program of study.

So—be sure to find out about scholarships through the schools, your community resources and some of the online scholarship search engines, such as Fast Web. You can also Google for information, and then visit your local library. Finally, once you start checking, you may be surprised how much student financial aid there actually is out there!

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Student Financial Aid

Small business grants

We’ll be able to throw some light on your doubts, triggering off a solution just when you were beginning to think about postponing the launch of your business for another year.

Let’s Cough It Up
Since government grants are so limiting and relatively difficult to get, the only possible solution is to apply for a loan to get the necessary cash with which to start off. Nothing is really free in this world, so you must give something to be able to receive something, right?

What Do You Give, Anyway?
Well, in order to receive credit, you must give a security. This is done by “pinning” your property or car to the loan, until you have finished paying for it. This is similar, of course, to any other type of loan, so why even mention it? You see, the great difference is that you will not be using the money for leisure or pleasure, but for working your eyes out in order to get your daily bread.
This fact alone will mean a big difference regarding the amount you get and the payback conditions. So, to do things right and make them look even better, make sure you write down a detailed plan of whatever your business needs to start working: What your expenses will be, fixed cost, profit, target market, inventory, cash flow and a projection of the evolution of the business for the first five years.

If You Look Great, You Will Also Feel Great
Prepare your business plan and have some copies printed, so you can present it in a neat folder to the banker or the lender when you finally start searching for the loan. The fact that you’ve gone into all the trouble of designing a business plan will make you feel great, giving a good image to your lenders, temporary “partners” of your business.

Be Prepared
The last thing you want to do is to go to a lender empty-handed and ask for a handful of bucks. They’ll ask you a lot of questions to which you will have answers, if you take a well-designed business plan. Let me mention something that is one of Aristotle Onassis’ favorite sayings. “Know as much as you can about the person you will be speaking to and about his business”.
This means, don’t venture into a negotiation until you know the answers to all the questions you will be asked, or at least, as many as you possibly can. If you are going to ask for a loan, then you have to know what the current rates are, the conditions, the requirements and any little catch that might get you a better deal.

The Little Millionaire
Onassis was a rather short guy and not very handsome, but he had the gift of making millions. His personal assistant used to say that he would spend the whole night pacing about his cabin on the “Cristina”, speaking out loud, and thinking up all the possible questions he would be asked the following day, and obviously, all the answers.
It is a good thing to imitate the healthy, the wealthy and the wise, even if it is only to be prepared for what you are about to initiate and being capable of designing a dream and fulfilling it. Your small business will be grateful and before you know where you really are, it may be even bigger than you had planned.
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Kate Ross is a professional consultant at Speedybadcreditloans.com Smart tips and interesting articles on this subject and other financial related topics can be found in her website

The best type of Small business loan is a Government Grant

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Business Tips

Business Tips

Readers, I hope that you are enjoying my blog so far, and want you to Comment back on my posts with any feedback, or your opinions.

• Do you have any business start up tips?
• Have you applied for a government grant?
• Didn't get as much as you desired?
  

Then Please comment on this blog, and share your thoughts with everyone !
=>Claim Free Government Grants Now!

Small business grants for starting up

Small business grants are not just given away by government agencies or private institutions for helping you start your business. There needs to be a particular interest in your project in order for them to provide the funding that you need. And it’s not enough to have a good idea in order to obtain finance for it; you need to have a well made business project to convince them of your eligibility.

No Credit Or Income Requirements?
Though there is no need to reimburse the money on government grants, claims that state that there is no credit or income requirement in order to get approved for a government grant are far from being truth. Truth is that the requirements for approval are not present in the same sense as on private or federal loans but there is still a qualification process.

You may wonder then, what is needed in order to qualify for a government grant. The idea is that you’ll need to show that your business project is viable, and thus, you’ll need to show that you can be trusted which implies having a fair credit score and the ability to generate a proper income to show proof of the business viability.

Presenting a Viable Business Project
What you need to understand is that prior to requesting a government grant, you’ll need to prepare a presentation of your business project. This obviously implies having a project and not just a mere idea. There must be certain degree of research done with market analysis to prove the viability of the business and the income generation capacity.

Though the money doesn’t need to be returned, the government agency is interested in investing the money in a project that will endure in time and that will keep generating job positions and revenues thus boosting the economy and the welfare of the nation. The particular requirements of each government grant need to be consulted with the government agency that provides them.

Getting Approved For a Government Grant
The key to getting approved for a government grant is to present an appealing business project that shows great feasibility and relates to those fields that the government is interested in promoting. If you don’t meat the requirements for a government grant approval, there is not much you can do about it. Yet, if you do qualify, it is important to be well informed prior to applying in order to take the proper steps and avoid getting declined due to bureaucratic reasons.
If you can’t qualify for a government grant, don’t despair and use the opportunity to consult about government business loans that are sometimes offered with subsidized interest rates and very affordable payments.
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Sarah Dinkins is an Expert Loan Consultant at Badcreditfinancialexperts.com where she helps people to repair their credit and to get approved for home loans, unsecured personal loans, student loans, car loans and other types of loans and financial products. If you need more useful articles find them here with more professional advice on the financial field.

Get a Government Grant Today!

Government grants

Want a Government grant ?

Every year the government gives away money to thousands of individuals for their needs. These are called Government grants. The money can be used for business, college, medical bills, home improvement, heating bills + Much much more.

Apply for a Government grant

-Anybody can qualify, regardless of your credit history, or income.

-Claim Free government money that you Don't have to pay back!

-Start applying in minutes!
=> Apply for a Government grant

Small business grants

The best Small business grants are Government grants. A Government grant is money that you can obtain without having to pay it back.

Apply for a government grant Now

The process of applying for a government grant can be complicated if done Wrong.

Apply the correct way here.

Small business grants

Welcome to my Small business grants blog. Here you will learn about Small business grants and tips on applying for Small business grants.



Small business grants