Technorati Tags: education grant, federal grant, free grant money, government grants, housing grant, small business grant

http://www.innoventum.com/grants.html The U.S. Government awards $500 BILLION Dollars each year in the form of government grants. In this series, Attorneys Jynell Berkshire and Denise Gosnell walk you through the steps Jynell has used to obtain a hundred million dollars in grant funding for her clients over the past 15 years.

Anyone planning to apply for small business grants, Grants for Minorities, and/or Women should watch this series. Question 12 answers: What Exactly is a DUNS Number?

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(Sacramento) - emblymember Julia Brownley (D-Santa Monica) is calling on her fellow legislators to reject the Governors efforts to wipe out the popular Cal Grant program. During a news conference at a community college emblymember Brownley, Chair of the Education Committee, said, The Cal Grant program is a lifeline to college for many of our states best and brightest high school graduates. An investment in these students is an investment in Californias future. The Governors proposed elimination of the Cal Grant program will end up costing Californians money in the long run. Heres more in this embly Access video.

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At the Community Land Trusts conference - more at http://www.clt-conference.co.uk

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Writing a federal grant requires research, statements of support from various agencies and time. Discover what it takes to write a federal grant with tips from a credentialed teacher in this free video on writing lessons.

Expert: Laura Minnigerode
Contact: www.youngwritersworkshops.com
Bio: Laura Minnigerode is a writing instructor and former classroom teacher.
Filmmaker: Todd Green

Duration : 0:2:20

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http://www.govfunds.info

How to get money for free just by asking for it. government grants never have to be paid back and are being sent to millions of Americans. Several thousand dollars at a time is available in free money. Get some of your now.
http://www.govfunds.info

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http://www.OneMinuteU.com

How to Get government grants Online Tips Advice Forms Help

everyone’s looking for grants, but they’re wondering, how do I find them? well, I’m going to tell you a quick way to find them on the internet. if, in that little search command, you type in “grants,” and whatever your subject, so “grants, youth, programs” and it will bring up different funders for grants. or let’s say that you’re looking for grants for a senior program. you type in “seniors, grants,” and maybe even your state, so it doesn’t bring up grants that will fund in other areas that wouldn’t be applicable. there’s so many different ways to search on the internet to find just those dollars that you’re looking for. to find out more, go to our website at kifoundation.org or give us a call at (310) 601-3036. remember, if you’;re looking for grants, also use quotations around words that are joined together, like “gang intervention”. use quotations around there so those words won’t be separated.

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Building a concrete driveway is one of those rare options that can satisfy most people’s practical and aesthetic concerns. Concrete driveways are not only built to last long but are appealing to the eye at the same time. Granted, they may take a bit of time to build properly, because none of your efforts will feel wasted once you view your final product.

What Not to Forget When Building a Concrete Driveway

Building Codes in Your Area – It’s possible, especially if you’re living in the suburbs, or belong to a certain community, that driveway specifications may be subjected to certain community rules. Your village, for instance, may prefer for all houses to have similar looking driveways, regardless of the material used. Or, it’s the choice of material that’s subjected to certain restrictions. To avoid wasting time and money, do your homework and see if building a concrete driveway will result to any violation.

Put Your Plans in Paper – Before getting your still-unused carpentry and building tools and donning your DIY uniform, it’s best to put your plans on paper and try sketching the dimensions of your proposed concrete driveway. Make sure that you scale your drawing properly to gain accurate results, and most especially if you’ve decided not to hire an expert to help you out.

If you don’t know how to draw, please please please ask someone to do it for you. Don’t be stubborn like other homeowners who insist on doing everything themselves, never mind the consequences.

Submit the Necessary Requirements – Once you’ve become satisfied with the projected appearance of your concrete driveway, make time to submit the necessary requirements in order for the housing committee in your area to grant approval for your concrete driveway plans. It’s possible that they’ll be concerned with how your neighbors would feel once the noise of construction reaches their ears; to avoid any future altercations with your neighbors, make sure that you politely and nicely inform them of your plans. Gaining written permission from them won’t hurt either!

Going Shopping – With the legal stuff done, the next thing to do is what women love to do best: going shopping! If any woman in your household is a genuine shopaholic, she wouldn’t mind accompanying you in your buying quest, even if it’s just a trip to the local hardware store.

To save on time and money, make a list of the things you have to buy, compare product reviews, and see what brands are of superior quality but affordable at the same time. As for tools and other equipment, consider either buying them second hand, renting, or borrowing from your neighbors or friends.

Excavation and Base Preparation – The pre-construction stage is over, and it’s now time to do backbreaking stuff. First in the list is excavation and base preparation. Like most structures, excavating and preparing a base is required to give your concrete driveway a solid foundation. It’s best to take your time when doing this because one little mistake related to the foundation can cause the whole thing to collapse.

Building the Driveway – Once you’ve finished with the foundation, it’s now time to build the skeletal part of the driveway itself. Always consult your handmade blueprint while building the driveway to ensure that you’ve done everything correctly and according to the measurements you’ve specified.

Sealing it with a Concrete Kiss – Once you’re done with the frame, it’s now time to apply the concrete and wait for it to harden.

Finishing Touches – Backfill and provide enhancements for the landscape.

Pros and Cons of Using a Concrete Driveway
Benefits – Concrete driveways can be decorated in various ways, making it more easy to use as a complement to the house itself. It is also easier to clean during winter. Concrete driveways can also be sealed right after installation.
Cons – Concrete driveways, however, are more expensive than asphalt driveways and require a higher degree of care and maintenance. Lastly, concrete driveways cannot be relayered.

Choosing to build a concrete driveway is a good decision to make in most cases, but of course, it’s what the homeowner feels that counts the most. Just remember that when making a driveway, always choose a material that won’t crack under the weight of a ten-wheeler truck but enhance the appearance of your house as well!

Lee Dobbins
http://www.articlesbase.com/home-and-family-articles/building-a-concrete-driveway-diy-tips-for-the-budget-conscious-homeowner-64398.html

I'm looking for a $20,000 to $25,000 grant to open a business in vermont

If you only need $20-25K, check microlending programs. Read SBA Microloan Programs http://www.sba.gov/services/financialassistance/sbaloantopics/microloans/index.html

It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for starting a for-profit business.

One possible exception is for companies developing or exporting agricultural goods, including food and forest product. Another exception could be the Small Business Innovation Research (SBIR) or Small Business Technology Transfer (STTR) programs http://www.sba.gov/aboutsba/sbaprograms/sbir/index.html , which fund the research and development of technological innovation that meets specific government needs.

Your best bet actually will be from the states if they offer grant programs for women (or any other special interest groups — minorities, women, disabled, veterans, etc). Or check with non profit organizations, particularly women organizations if they offer grants. Examples include

Iowa Women's Foundation http://www.iawf.org/
New Mexico Women's Foundation http://www.nmwf.org/guidelines.html

Even SBA does NOT give out grants. From the SBA website http://www.sba.gov/mostrequesteditems/CON_FAQ2.html

"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."

Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.

Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business — THERE'S NONE.
http://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show

Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program

Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs

An anomaly is defined as a deviation from the normal order. At this very moment in many real estate markets in many parts of the country a soft market can lead to opportunities for many buyers.

With many 30 year fixed rate loans with an 80% Loan To Value (LTV) the mortgage program guidelines will allow a seller to pay up to 6% of the buyer’s closing cost. For example if there is a negotiated sales price of $500,000 with an 80% LTV of $400,000. A seller contribution would be allowed up to 6% on $400,000 mounts up to $24,000. This would need to be a very motivated seller who needs to sell now. Unless a borrower tolerates total gouging on closing costs, this would be a heavy amount. However, a sum of $8,000 to $10,000 or less would handle the closing costs for this property, not including prepaids such as insurance and tax escrows. On the surface, it would seem the difference between $24,000 less say $10,000 would allow $14,000 in additional costs. With today’s rates, a one percent (1%) lender discount could buy the rate down from say 6.25% to a rate of 5.5%. Thus, $400,000 x 1% = $4,000.00. A buyer borrower would need to be armed with the facts prior to negotiating a real estate contract so that the seller can determine their bottom line at closing.

For the benefit of the buyer, if they are going to stay in the home for a long-term period then there will be great benefits for the buyer to get a lower rate. Looking at the principal and interest payment for $400,000 at 6.25%, 30-year term the payments then is $2,462.87/month for principal and interest. With the same terms with a rate of 5.5% the payment is $2,271.16/month for principal and interest. That would result in a monthly savings of ($2,462.87- $2,271.16) is $191.71/month in savings versus a 6.25% interest rate.
Example of payment at 6.25% shows $2,462.87/month x 360 months = $886,633.20
Example of payment at 5.50% shows $2,271.16/month x 360 months = $817,617.60
Life Time Mortgage Savings————- $ 69,015.60

A borrower simply being armed with the information on a rate buy down can enter negotiations that may lend some long term benefits. Six months ago, seller help was just a dream. Today, it’s a real consideration of any purchase. Will it last forever? No, it’s an anomaly. Temporary and fleeting. So…buyers need to get it while they can.

Where are these opportunities to be found? In any area look for vacant homes, on a lock box with some sort of sales pressure. If the lender allows for a 6% seller contribution of the contract price on say an 80% Loan To Value loan then why not go for it. Many of these potential properties can be searched and identified using a Realtor and the local MLS system. Builders who are setting on a huge inventory of homes may be willing to grant major concessions in order to keep the price levels consistent until the home prices firm up. This would be a situation where a borrower would need to determine that the market in that particular subdivision is at a “temporary” lull and not a trend. Otherwise it would be a case of throwing good money after bad. Working with a Realtor who knows the market will go a long way in avoiding those kinds of pitfalls in builder subdivisions where resale homes are less than the new homes on the market. In that case, the builder is upside down on pricing. This will need to be avoided. What we are talking about here is temporary anomalies that a buyer will want to exploit, like now in the current market. The best evidence of a buyer’s market is where there are more homes for sale than ready buyers and there is a glut of homes on the market just sitting. A forest of for sale signs.

With lower priced homes with say FHA and VA loans there be an opportunity where the seller in addition to paying all the closing cost and prepaids could pay say 2 points to buy the rate down on a “2-1 Buydown” Program. The beauty of this program allows a buyer to buy using a FHA mortgage with as little as a 3% investment and a VA mortgage with zero down. This is a great program of for Debt To Income challenged borrowers who are just squeaking into the property.
If the rate were 6.75% on a mortgage of $205,000 on a thirty-year basis the payment would normally be $1,329.63/month for principal and interest. If the taxes are $300/month, the hazard insurance is $220/month and Mortgage Insurance Premium (MIP) of $85.42/month then the total payment is $1,935.05 per month with $1,050 in installment and credit card debt for a total monthly debt load of $2,985.05 including the new housing expense. If the income were $6,395/month the Debt To Income (DTI) ratio would be around 47%. Let’s assume, due to credit history and other factors, the underwriter is not willing to accept this level of DTI nor will any Automatic Underwriting system accept it. An alternative would be to consider the 2-1 Buydown Program with the first year interest rate of 6.75% - 2% = 4.75%, the second year would be 6.75%-1%= 5.75% with the third year and beyond 6.75%. With this program the borrower can qualify at the start rate of 4.75%. The principal and interest payment with this start rate is $1,069.38/month or $260.25/month less at the fully loaded rate of 6.75%. The DTI than is 42.60% and the underwriter will sign off on that. The theory is that the borrowers will have two years to cut debts and increase their income and get their ratios in a more satisfactory position.

What’s the point of all this. If the home is selling for $208,200 and the seller is willing to pay up to closing costs and prepaids which would be $208,200 x 6% = $12,492 and the costs add up to say $9,500, why not use the allowable seller contribution to buy down the loan rate. The main benefit is to get the borrower’s DTI in line and lower the payment in the early years all funded with the seller contribution. VA loans can go much higher and in certain areas, FHA loans can go a lot higher as well.

This anomaly will not last. It is a buyer’s market so why not maximize the buyer’s benefits by applying part of the 6% seller’s contribution to buy the loan down and not leave any money at the closing table which can be utilized for the buyer’s benefit. Negotiation is king.

Dale Rogers
http://www.sellerhelpsbuyer.com
http://www.brokencredit.com

Dale Rogers
http://www.articlesbase.com/mortgage-articles/soft-market-motivated-seller-6-seller-contribution-550-fixed-rate-30-year-mortgage-rate-buydown-71904.html