<TITLE>Raymond E Smith</Title>

Current Fiscal Year There is About $449 Billion In Grant Money Approved
By Congress!!!

1 Free Money or Grants-This is a money that an individual never has to
pay back. This money is given to You to use for the purpose for which
You applied. Free money clearly is not a loan which has to be paid back.
Free money is the type of money everyone wants.
2 Direct Loans-Direct loans can have an interest rate of Zero Percent !!
This is the best interest rate,however some loans may have a higher
interest rate of up to Three Percent or More. Anyone would love to pay an
Interest Rate of only Three Percent on a loan. Loans generally with such
low interest rates are made to entrepreneurs,homeowners,and
developers. These type of loans have to be paid back. But with these low
interest rates this is a great bargain.
3 Interest Subsidies on Loans-Many States will help pay the Interest on
Your loan from Your local lender. You pay a fraction of the Interest and
the State picks up the rest of the interest. Interest subsides can help
ones when they do not qualify for other federal programs.
4 Matching Funds- This is a program where the Government matches a
percentage of every dollar You put into a project. Similar to a Grant these
funds are not paid back.
5 Industrial Revenue Bonds/Economic Development Bonds-Your State or
Your City may be willing to use Their Bond Money to fund Your project if
it involves creating jobs or provides services for low-income and elderly
persons. Bond money has a very low interest rate on this type loan.
6 Money for Agriculture and Rural Housing-Loans,Grants,and subsidies
are offered from the State and Federal Government to help
farmers,farm business operators, and owners or buyers of rural homes
and apartment buildings. Contact the United States Department of
Agriculture or Your State Economic Development Agency .
7 Technical Loans or Loans to Investors- The Small Business Investment
Company (SBIC)program provides loans to entrepreneurs develop or
market new products. For more information about this programs contact
the Small Business Administration and Your State Economic
Development Agency.
8 Loans and Grants to Women or Minorities-These are Low interest rate
loans from the Federal and State Government Agencies to help
economically disadvantaged groups of people.
9 Small Business Administration Loans-You may able to borrow money
through one of the SBA loan programs after you have been turned down
by a bank. Up to 1 million dollars (50% of the loan will be guaranteed)
may be borrowed from a private lender through the special SBA (7a) loan
guarantee program.
10 Community Development Block Grant-Almost every city and state in
the country has money available from this Grant program. In these
programs the money can be used to build or rehab rental property and
owner-occupied housing. Contact Your State Community Development
and Your Local Housing Development Authority for more information.
11 Subsidized Rent Payments-This government program pays the
rent,or a portion of the rent for low-income individuals holding Section-8
certificates. Landlords profits by receiving guaranteed rent checks from
the government.
12 Rehabilitation Grants-Free money is available from Your Local City to
help landlords make repairs to rental properties located in target areas.
Local Housing and Redevelopment Agencies can help interested
persons of this program.
13 Child Care Programs-Grants to prevent the abandonment of infants
and young children .
14 Aids Assistance Grants-Grants to help set up home and community
-based health services for people with AIDS.
15 Small Business Innovation Research Grants-Grants are made yearly
to individuals and small businesses that are working in the area of
technology.
16 Juvenile Delinquency Programs-These are Grant programs that
establish and support activities that involve families and communities to
fight against drug-related crimes and gang-related activities.
17 Nursing School Scholarship-With the current nursing shortage this
program provides financial help to nursing students enrolled full-time in a
nursing school.
18 Urban Homesteading-These are Federal Properties that are
transferred to Your Local Government for sale. These Properties then
can be sold to individuals for a nominal or small fee.
19 Minority Business Development Centers-These are centers that help
minority businesses by providing education,contract procurement,and
funding assistance. Contact the Department of Commerce for more
information.
20 Common Reasons Why Your Grant Request Was Not Funded-First You
did not meet the deadline set by the Grant Funder. Second You did not
meet the criteria for instance You wanted a Personal Grant but You sent
Your request to a Business Grant Funder. Third Your Grant Request
contained lot of errors in language and spelling. Fourth the form was
dirty,dogged eared,stains, unprofessional document,and not looking like
a resume for employment. Fifth Your request must be resubmitted
because just like grant proposal writers know it may take 3 to 4 times to
get Your request for funding.
Do not despair keep sending that Grant request it will one day get
Funded. I can also help You achieve Your grant funding Goals. These are
reasons the Grant Info in the mail and e-mail advertisers fail to tell You
when they guarantee huge sums like $25,000 and Your Grant Request
Fails . Thanks For The Visit !! Raymond E Smith