Free Minority Grant Money For Personal Use

With the billions of dollars in free government and private foundation grants, there is a tremendous amount of money available in minority grants to help people get the money they need for their personal use. With the money that can be obtained, you can pay off debt, start a business, or even buy a new home. It's just a matter of finding the program you qualify for and submitting your grant application.

These grant funds are not just for African American citizens either. There are grant for Hispanics, Asians, American Indians, and all walks of life. It doesn't matter what kind of income you have or what your credit looks like. There may be multiple minority grants that you can qualify to receive.

What exactly is a minority grant? These are funds set aside by the government and other private foundations that can offer you the cash you need for various purposes. Once your application and grant request is approved, you'll receive the money you need to help you achieve your goal. As long as the funds are used in accordance to the grant, you'll never have to pay the money back.

That's what makes grants such a great advantage over loans. You never have to repay the grant money you receive, which is also tax free. And when you apply, there typically is no credit check, no down payments, and no collateral needed. As long as you are at least 18 years old and an American citizen, you can apply for as many grants as you see fit.

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Minority Women Business Grants

Minority Women Business Grants

Nowadays, there are many government and private entities who offer minority women business grants to start their own businesses...If women decide on starting their own businesses, they normally approach their friends or relatives for loans, or try to obtain commercial loans from banks. For women falling in the minority category such as Asian, Spanish-American, or African-American who want to start businesses, there is a special benefit set aside known as minority women business grants.

Applying for Free Grant Money

Basically, a grant is a loan which is given by the granter to the receiver free of the need to repay. This simply means that if you receive any kind of grant, it is not necessary for you to repay it back again to the granter. You can use up all the money for the purpose you had applied the grant for. It is kind of free money or free gift to the needy, that are normally provided by various non-profit institutions and other businesses, with the federal government grants being the major lender. Apart from federal government grants, individual states and regional authorities also have their own set of grants to be offered to women from the minority class.

Difference Between a Loan and a Grant

A loan is where you have to pay back the amount to the lender with due interest. Whereas, a grant is free, and there is no need for repayment. One more point to note is that, you are eligible for business loans only after the lenders are convinced with your credit status. While in the case of grants, your credit history is not checked, since there is no need for repayment. On the downside, the grant obtaining process can be more complicated than of loans. Unlike loans, grants to be offered are limited in numbers, therefore due to a huge number of applicants, there can be only few who can receive this free money.

Obtaining Minority Women Business Grants

As grants are limited, you need to do some preparations for increasing your chances of obtaining the grants. For bettering your chances of receiving minority grants, you most importantly need to devise a business plan according to the business you are thinking of setting up. The chances of you being unsuccessful in obtaining the grants are high if you do not have a proper business plan which will assure the granters that the funds are going to be used for a good purpose. In preparing a good business plan, you can take help from business writing professionals or consultants.

With a sound business plan proposal, there also might be further requirements to be eligible for receiving the grants. Such requirements are usually industry specific. There are some women grant schemes which provide grants to women only from a specified work sector. Coming to how much money can be obtained in these repayment-free minority business loans, grants can include financial aid ranging from $1,000 to $25,000. This money can be used for the purpose of starting a new business altogether, expanding current business, or executing other business growth strategies.

The main key to succeed in getting grants is preparing a proper business plan. You can check the government's website for any information regarding the eligibility criteria of obtaining federal government grants. You can also check with several non-profit business organizations or women welfare societies in your locality if they are offering any grants.



Visit to: http://minoritygrantmoney.blogspot.com/


Source: http://minority-grantmoney.blogspot.in/


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Small Business Startup Grants

Small Business Startup Grants

There are some Government grants that are available for EXPANSION OF businesses (but not to establish a new business). When a government agency makes funds available for a grant, it places an announcement in the Federal Register which is issued every weekday.

For the major part, these grants are very specialized. Moreover, many Government grants are not available through the year. That is, you can't apply for most of them at any time you wish -- in practical, you can apply for them only when they are announced by a Government agency.

GRANT is not exactly a loan, Attempting to get funds through a orthodox financial institution can be very lengthy and requires loads of paperwork, only to find out that you've been refused. These Government Agencies don't have to work under the same abovesaid requirements that banks do. You work on how much funds you require, as long as it's a legible amount and complies with Government Agencies basis, the fund is yours to keep and you don't have to repay it. This money is interest free and non taxable .None of these plans need a collateral ,co-signers , credit check, security deposits , you can apply even if you have a bad credit or bankruptcy , it doesn't matter, you as a U.S. citizen and tax payer are entitled to these funds.
Anyone planning about going into business for himself, or wishing to enlarge an existing business should head for the world's largest "one-stop-money-hub" where FREE MONEY is being held for you to begin or expand a business by the Federal Government.

It is absolutely amazing that people living right in the United States of America wouldn't know that every year the world's biggest source of free business aids in delivering.

While there are still no direct small business grants that can be borrowed from the federal government, many state development agencies offer direct small business grants and other types of financial assistance designed to encourage and help businessmen in starting or expanding a small business
SOME FACTS:

Over $29 trillion dollars in low-interest loans and free grants;
over one-third billion dollars in obtaining of contracts; and
Around $32 billion dollars in research grants FREE consulting.
With a market that remains unpredictable, and a requirement for even greater economic growth on all aspects, the federal government is more interested than it ever has been earlier to give you the money you need to establish your own business and become your own boss!

Majority of people never try for FREE government GRANTS since they feel it is not meant for them, or simply don't know who to contact or feel there's too much red-tapism.
In spite of the perception that people should not trust the government for aid, the great government give-away programmes have remained so amazingly big that if each of the approximately 9 million businesses applied for an equal share, each would receive over $69,000.
The fact is, however, that people from all aspects of life do receive GRANTS MONEY free and other help from the government, and you are entitled to it.

How to Find Small Business Grants for Veterans-Veteran Entrepreneurs-Free Government Grants
How to Find Small Business Grants for Veterans-Veteran Entrepreneurs-Free Government Grants

The Obama administration recently passed the American Recovery and Reinvestment Act (ARRA) of 2009 which set aside 787 billion dollars to revitalize the ailing economy. Out of the 787 billion dollars 275 billion dollars have been earmarked as federal government grants. You can avail grants from this sum if you meet the strict eligibility criteria. Financial assistance received through government grants is the best way to fund a business as the money need not be repaid.

The government grants are mostly given to nonprofit organizations and institutes working towards the betterment of society. The government also provides financial aid to business dealing with renewable energy and energy efficiency solution providers. The Obama government has even set up a task force on veterans small business development to support veterans run and start their businesses.

If you are looking for grants, then one of the things you could do is talk to the officer with the Small Business Administration (SBA). The SBA has set up the Office of Veterans Business Development, and you can check out the location of an office near you on the SBA website. The SBA is also the right place to check for small business grants for disabled veterans and small business grants for women.

Another resource for checking small business government grants for veterans is the Catalog of Federal Domestic Assistant (CFDA) website. The website has free details of over two thousand federal assistance programs. The website also has a help desk number which you can call for assistance regarding government small business grants and loans.

The local chapter of the Chamber of Commerce is also a good start if you are looking for small business loans and grants for veterans. They have several funding opportunities and if you fit the eligibility criteria you could qualify for a grant and if not you could check their list of available loan opportunities. They have specific grants like small business grants for minorities and women which you could apply for.

If you have seen advertisements that offer financing for veterans for a small fee, stay away as most of the information they offer is available free on the government grants website. If you have identified the grant which best qualifies you from the CFDA website, you can use the CFDA number to apply for that particular grant on the governments grant website.

There are several new funding opportunities under the American Recovery and Reinvestment Act of 2009 (ARRA) which a veteran can take advantage of. The details for these new opportunities is made available by the administration on its government recovery website. The 275 billion dollars worth of grants are set to be made available over a period of ten years with most of them being given out in the first three years.

Another resource for loans for veterans is the nonprofit organizations (NPOs). There are many NPOs who work for the betterment of veterans and their families. The Internet is the best resource for finding an organization which will accommodate your needs. Try organizations like 'Rotary' as they have a lot of community development programs under which they could provide financial help for veterans.


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Source: http://business-startupgrants.blogspot.in/2012/04/how-to-find-small-business-grants-for.html


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Government Financial Aid – FAFSA

Government Financial Aid – FAFSA

Pursuing a vocational calling path starts with completing a focused educational red tape touching transcendent school, whether certain is a two-year associate's degree or a shorter program. But schooling seeing a vocational career costs money, which you may not swallow. Closest you regard researched your eligibility due to mismated particular grants also scholarships and lap up utilitarian over them, you rap also apply for Government Financial Aid( FAFSA).

Eligibility is based on the next factors:

• U.S. Citizenship

Stage a U.S. citizen or an eligible non citizen; also swear by a valid Social reverie Number.

• Selective assistance Registration

Registration camouflage the Selective support is chief by law considering full-dress males ages 18-25. Although there is no longer a comp leadership the U.S. military, males longing wave less register in position of a national emergency.

• High give instruction Diploma

Must have a high school diploma or GED equivalent, or you longing have passed an ability-to-benefit test.

• Academic stay on

Work out fitting grades Importance College. Each set or loan has divergent requirements in terms of what grade mark typical you hankering to maintain.

• Coach maturity

The cram you thirst to occur must participate in rule monetary support programs. Considering beyond compare results, pluck a profess that is the mightily affordable in communication to your circumstances.

The next are the different kinds of financial support grants and loans that eligible students could receive by the public government during the 2010-11 initiate year.

• State Pell agree

If you are eligible, you may get boost to two consecutive prizes access a year. Typically they are awarded separate to undergraduates, although competent are some exceptions. Give blessing amounts range from $600 to $5,550.

• Public Supplemental Educational rampancy clinches

These grants are since undergraduates with greater capital covetousness. Pell Grant recipients are prone the grants number one. Yes amounts align from $100 to $4,000.

• Academic Competitiveness Grant

This is a newer ritual for students in their first or succour year of college or a certificate form. over of the 2010-11 expound year, to be eligible influence the leading year, a student weakness have received a attractive give lessons diploma after Jan. 1, 2006, besides students reputation the help year must have complete their diploma attached Jan. 1, 2005. Juice the first year, students may possess ongoing to $750, again students dominion the second point may lock up maturation to $1,300.

• Pioneer facts Assistance for College and major Education Grant

For students who are studying to become elementary or lesser principles teachers. The grant does not admiration to be repaid if the novice completes the modus and fulfils a assist obligation in a high-need racket. Undergraduate students may compass up to $4,000 a year, not to exceed $16,000. Graduate students may carry up to $8,000.

• Public Work-Study

Program that encourages the employment of undergraduate and graduate students either on or off campus for at primitive state minimum wage.

• Civic Perkins Loan

Loan offered to students by the college they attend.

• Administer virginity Loan

For parents of dependent undergraduate students also now graduate again qualified students. As the loans are unsubsidized, the borrower is responsible for gross interest.

• Subsidized manage Stafford Loan

The U.S. force will wampum alters on the loan until six months after the neophyte finishes school. They cede also pay since relate being refinement periods. Students are given a allure period of unrivalled lifetime in which they trust hold smother on forming journal loan payments but especial hush up permission from the loan administrator.

• Unsubsidized govern Stafford Loan

Borrower requirement pay all impress considering the loan. Payments begin six months touching students gain drill. Students may carry a style title of by oneself week in which they blame swallow croak from forging magazine loan payments but especial shadow permission from the loan administrator.

Don't equate discouraged if you would rejoice in to promote a vocational career, or prone an expert career, but schooling coterminous top-notch brief is not affordable to you. later researching distinguishing and central scholarships from businesses, nonprofits organizations, schools and containment agencies that you are eligible for, you incumbency still resort to for authority financial second that will award you based on desire.

Visit to: http://minoritygrantmoney.blogspot.com/

Source:http://www.governmentgrantspro.com/grants-articles/government-financial-aid-%E2%80%93-fafsa-120509.html

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Free Government Money for School

Free Government Money for School

Education is very important for every individual, it serves as a good launch pad for getting gainful employment. For some, getting a good education is difficult as they have financial restrictions and responsibilities. The increasing costs of continuing education can also making it difficult for many to pursue their study goals. The government has recognized this shortcoming and has made millions of dollars available in the form of grants to fund educational needs of the deserving population. Each grant is geared towards helping students with specific background get good education. For example, there are specific scholarships for African-Americans.

The major difference between a student loan and a government grant is that you do not have to repay the financial assistance you get in the form of a grant. Most people do not apply for an education grant because they think that the process will be complicated, or they are unlikely to get it. It is advisable that you apply for the grant because the reward will justify the efforts you take.

Government Grants for Education

The American Recovery and Reinvestment Act of 2009 (ARRA) has promised over two hundred billion dollars for education and health care. Most of the funds allocated for education is available in the form of individual grants for people who are looking forward to pursuing their education. These education grants are allocated to people with specific backgrounds and educational goals. There are college grants for single moms, people from the minority community and for low income families.

If you are wondering how to get free money for school, one of the basic necessity for applying, for a government grant for education, is filling the Free Application for Federal Student Aid (FAFSA) form. You will also be required to furnish certain documents pertaining to your social security number, driving license and taxed income proof. Although it is not easy to get free government grants for school, it is not an impossible task. A lot of information and guidance is made available at the financial aid office. Following are some of the government grants for school and college programs:

Teach Grant

Students interested in pursuing a career as a teacher can benefit from the teach grant, which gives financial aid to students from low income families. The teach grant requires the recipient to work as a teacher for at least 4 academic years in schools which serves students from low income families. Teacher Education Assistance for College and Higher Education (TEACH) Grant Program gives up to USD 4,000 for each year to students.

FEEA Scholarship


The Federal Employee Education and Assistance Fund (FEEA) scholarship is for federal employees and their dependents. This educational assistance program is for civilian federal employees and postal employees. One of the basic requirements is that you need to have completed at least 3 years of services for you, or your family dependents, to be eligible for this program. The scholarship fund comes from the contribution made by the employees and the amount of funding depends on the contribution collected by that area.

Pell Grant

They are usually for undergraduate students from low income families, the grant amount depends on the students expected family contribution (EFC). The Pell grant can go up to USD 4,000, and along with the EFC the grant amount also depends on the students enrollment status of part-time or full-time. You can also apply for a SMART grant along with your Pell grant for a full state funding education.

Government grants have helped thousands of individuals achieve their educational goals. There are several non profit organizations which also support individuals by giving grant money for educational needs.

Visit to: http://minoritygrantmoney.blogspot.com/

 Source: http://www.buzzle.com/articles/free-government-money-for-school.html


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Minority Business Grants

Minority Business Grants for single moms

Funds or capital is what is required on a big scale to set up any business. Lack of funds can be detrimental to small businesses even if the business model or the basic concept of the business is brilliant. We see so many small businessmen and businesswomen close down the shutters of their shops as they find it difficult to buy products which can be sold at good rates due to lack of cash or quick bank cash credit. What these small business owners need is motivation, consistent finance and guidance regarding how to grow their business. Now, there are many private lenders available in the market who take advantage of the cash strapped small businesses and lend at very high rate of interest. It becomes extremely difficult for recently started businesses to make profits after paying so much amount as interest. Considering this need, governments across the world have come up with the unique program known as minority business grants. The grant money can be used by businesses to buy products and fund their expansion plans. So, in the next few sections, let us know in detail about the minority business grants or the small business grants for minority women.

Business Grants for Minorities

Before we know which are the minority business grants for men and women, let us first of all understand the exact difference between grants and loans. Loans are the money lent by banks as well as financial institutions and private lenders and they are to be returned along with the interest charged on them. On the other hand, grants may not be given back to the government. Grants are mostly granted by the government organizations. Grants for women starting a small business will help you know more.

If you are looking for government grants for women, then first of all, you should definitely visit Grants.gov website. From this useful website, you will get all the details regarding which government agency is giving attractive grants for business expansion to the minority women. Though information on minority women grants is available in quite a systematic manner here, you need to keep a tab on it frequently, as the data on minority business grants is kept online during specific time of the year.

The United States of America government has taken special efforts to promote the minority businesses. The Minority Business Development Agency, which has been floated by the U.S. Department of Commerce does the task of catering to the needs of minority businesses. The minority women business grants can also be obtained through the Women Business Centers (WBC) which are present in different part of the country. Apart from finance, these centers will also help you through proper technical and fundamental guidance regarding your business which increases the chances of succeeding in it.

Minority business grants can also be obtained from foundations and institutions set up by wealthy private individuals. The selection, however is done on merit basis instead of the first come, first serve basis. Now, having known which are the minority business grants, let us know how to get the minority business grants in the next section.

Getting the Minority Business Grants

Getting the minority business grants is not that easy. First of all, there will be a lot of competition from all the eligible people. You need to initiate this process by submitting online forms wherever possible or by submitting the form in person to the concerned government office. Many times, you need to give your income details, educational and professional information and submit documents such as age proof, nationality proof, driving licenses etc. The grants will be given only to the permanent residents. It is essential to submit the application form in time along with the documents. You should have a good business plan and be able to explain it to the authorities sanctioning the grant. The grants for women owned businesses have helped many of them to reach the topmost position and rule the business world.

Hopefully, this information on minority business grants will help you to get these grants and take your venture to an all together different level of success and prosperity. So, work hard for a safer and secure future.

Visit to: http://minoritygrantmoney.blogspot.com/


Source: http://www.buzzle.com/articles/minority-business-grants.html


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Minority Loan and Grant Programs

Minority Loan and Grant Programs

Q: I would very much like to go out on my own, and I've created a business plan for an exciting business. However, because I'm in the "pre-funding" stage, I'm still plugging away at my day job. Are there any minority loans or grants for small businesses that could help me make the transition to entrepreneur?

A: There's a need for minority programs that assist in the maturation of new businesses, and there are several of these programs available. However, any entrepreneur seeking out these sources must also focus on how well her business survives independent of these programs--after all, a successful minority business will have to mature itself out of the program eventually. Make sure you have some sort of maturation plan in place that allows you to succeed without minority set-asides within three to five years, for instance; otherwise, you may find yourself simply building a business to be bought out or putting yourself at too great a risk.

Your first strategy is to look in your own area for local funding, which is available in some communities from redevelopment agencies and other local organizations. An example of a regional organization is FAME Renaissance , which operates several social and business development programs designed to create wealth in impoverished areas within Los Angeles County.

Also in the Southern California area is Operation HOPE , a very worthwhile organization that has dispersed a total of $72 million in minority loans to homeowners and business owners. Even if you don't live in Southern California, I'd recommend paying a visit to the Operation HOPE Web site, which has several inspiring success stories as well as transcripts of speeches from Operation HOPE founder John Bryant, who speaks eloquently about the issues revolving around the "digital divide" and economic empowerment. Some other regional organizations include Brotherhood Business Development & Capital Fund and Pacific Coast Regional.

On a broader scale, Ron Langston, Assistant Secretary of Commerce under the Bush administration, has been very dedicated to the growth of minority businesses and appreciates the special needs that a minority may face in making the transition to entrepreneur. Toward that end, have a look at the upcoming Minority Enterprise Development Conference and the Web site for the Minority Business Development Agency (MBDA) . Besides information on funding, the MBDA site offers a wealth of good advice for any small business, minority or otherwise.

Besides loans to get started, there are also minority set-asides that an ongoing business can take advantage of. The National Minority Supply and Diversity Council (NMSDC) provides a direct link between corporations and minority businesses. A quick look through its list of member corporations--those companies that want to purchase quality goods and services from minorities on a competitive basis--reveals some of the biggest corporate citizens in the United States. The NMSDC, with regional offices in most states, is a good first step in seeking out your first contracts once you've launched your new business. You can even join its database of certified minority suppliers and get referrals to corporate buyers. In 2000, member corporations made purchases from minority businesses registered with the NMSDC exceeding $54.3 billion.Lastly, as with any type of financing, minority funding also depends on having a sound business plan, quality goods and your personal dedication to success.

Janice Bryant Howroyd is founder, chairman and CEO of Torrance, California-based ACT-1 Group, the largest woman minority-owned employment agency in the United States, with more than 70 offices, 300 full-time employees, 65,000 temporary "stars" and annual revenues exceeding $500 million. Founded in 1978 around Howroyd's personal philosophy of "Keeping the Humanity in Human Resources," ACT-1 is today a multidivision conglomerate serving such clients as Ford Motor Co., Gap Inc. and Sempra Energy and meeting demands for well-educated and well-trained temporary, full-time and contract employees. She has twice been honored by the Star Group as one of 50 Leading Woman Entrepreneurs of the World.

Visit to:http://minoritygrantmoney.blogspot.com/


Source:http://www.entrepreneur.com/article/52012


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Free Grant Money For Women

Free Grant Money For Women


The government and other private foundations have made over $800 billion in free grant money available just this year, and this isn't too far out of the ordinary. Every year the government provides these cash grants to help people and small businesses meet their financial goals. As a result, Americans over the age of 18 can apply for and receive government money that never has to be paid back.

Who Can Get Free Grant Money?

Government grants are available for one reason mainly. To help stimulate the economy and keep America moving forward as a competitive country. That means these grants are specifically for people and organizations that can take the money and do good things with it. However, the government also has to play a defensive role and provide this money to people who need financial aid or they will make matters worse economically. Take the mortgage crisis as an example. When millions of people defaulted on their mortgage, the economy suffered. The government must prevent that from happening.

Therefore, government grants are mostly available to small business owners (or those with an idea to start a small business), students who want to further their education, those who want to develop their professional skills. Grants are also available to those who need financial aid in order to avert a financial catastrophe, such as people in debt.

There are hundreds of government grant programs that provide billions of dollars that don't ever have to be paid back. When you access the grant database, you'll find many that you may be eligible to receive. There's no limit on the number of cash grants you can apply for and obtain, so don't let that stop you.

Instantly access to the database to get your free grant money . See how much you can qualify to receive and obtain your check in as little as 7 days.

Visit to:http://minoritygrantmoney.blogspot.com/

Source: http://EzineArticles.com/2001422

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