Hanri Parker asked:


Every year the United States government awards billions of dollars in free grant money for an many different purposes, including real estate purchases, education, scientific research, and the establishment of new businesses or the development of existing ones. Child Day Care centers are rewarded quite a bit of money; it is beneficial for any day care center to research what federal grants are available to their business.

The government is particularly interested in offering free grant money to child day care centers because they contribute positively to the economy by allowing many single mothers to work. The government may also awards free grant money to single mothers to offer assistance with the cost of day care for their children. This is an individual grant, but the purpose here is to illustrate how much the government supports day care centers.  The government wants very much to help single mothers join the work force while also creating more jobs for day care workers.

For those interested in finding financing to establish a new day care center government grants are a viable option. A huge benefit of a obtaining a government grants for your business is that this type of grant does not need to be repaid. In fact, the government is the only source who can offer absolutely free grant money for businesses.

To find the appropriate business grants, you will need to research the aims of the different government agencies to find a grant that is specific to your needs. Because there are so many agencies and grant programs, the process can seem overwhelming at first. With time, patience, and persistence, most anyone can find the free grant money they need to start their child day care center. There are multiple resources available that can organize your search. Once you find the government grant that is specific to the needs of your day care center, you can request an application package.

It’s important to read thoroughly through your grant application packages. You will want to know as much as possible about the grants for which you are applying. This will determine your approach to conveying the information on your application. It is essential that provide all the required information, as well as a very specific explanation of how you plan to utilize the grant money. You should effectively express why you think your day care center will improve your community. You need to illustrate to the government agency how your business will support their goals.

To ensure your success, apply for as many grants as you can. There is no limit to the number of grants for which you can apply and be approved for. If you are denied for any grants, don’t despair. With all of the government grant money available, you are bound to find the money you need. If you continue to do your research exploring several free grant options and applying to as many as you can professionally with determination and a solid plan, it’s very likely that you will achieve government grant money to start your day care center. This is a business that will never go out of business and keeps everyone working. When considering starting a business using free grant money, day care centers may be one of the most likely to be approved.

anonymous asked:


s true. Our government distributes a large amount of money each and every year; money that never has to be paid back. These sums are awarded mainly through different types of grants. It’s just as true that a large amount of this money, which should be distributed, goes unclaimed. It’s simply because most people are not aware of these programs directed toward individual citizens, or haven’t a clue as to how to go about researching and applying for these grants.

So, how can the average person go about receiving this free government money? Well, to begin with, the process requires a little effort up front. Remember, these are not some sort of social entitlements, but rather federal grants that fund many worthwhile money needs. They fall into several categories…

Project Grants: There are many Project Grants available to citizens and organizations that will fund specific projects the government deems important. You commit to the project, receive funding and of course, you must complete it.

Direct Payment/Unrestricted Use: Another kind of subsidy the government grants is known as a “direct payment with unrestricted use”. If you qualify, you can use the money pretty much how you want. There are many types of these money grants. Although the amounts vary, there is no obligation to repay or to carry out a task. This is the category that appeals to most grant seekers and might be your best bet, if you know where and how to apply.

Private Foundations: Thousands of private foundations, for a variety of reasons, grant money to individuals and organizations. People looking to start a business, earn a college degree, pursue a new career, have special needs receive grants from these foundations. This is the other major category that you can mine for grant money. As always, knowing where to look is half the battle.

Educational Grants: These do not have to be repaid. There are two types of federal educ. grants… Pell Grants and Federal Supplemental Opportunity Grants (FSEOG).

Small Business Administration: There are government grants that are available for small business owners. While not the easiest to get, they could make the difference between you actually creating your business or just daydreaming about it.

Maybe the smartest thing you can do for yourself and your family, is to spend some time learning how to locate and apply for these grants. It could change your life. Third party grant assistance companies that offer software & access to databases of available grants can speed up the process.

Hundreds of millions go unclaimed each year, so plan now to explore the possibilities… After all, it’s your money!

sunshine01 asked:




Government grants are a significant way to fund nonprofit organizations, charities, and scholarships. They are gifts of money in response to a competitive application process which does not have to be repaid. This article will tell you how to find government grants for non-profit.

Foundation Center. The Foundation Center is an online resource that provides information for thousands of potential grants.

Federal Register. Federal Register is a searchable database of all federal grant announcements. The Grants website is a more user-friendly version of the Federal Register. Grants is also where you will register to submit federal online application for potential grant funding.

Local and regional foundations. An Internet search under “grants” and your location should produce several of the local foundations. Also, your state government may produce a guide of grant opportunities. Search their website for such a publication.

National organizations. Find the national organizations that are formed around your interests. Join them. Network with your colleagues to receive the insider information on funding opportunities and other extra essential bits of industry knowledge.

Books. Books about grant funding opportunities are available. Except for the great advice some of the articles may provide, the information in books can become outdated quickly. Also, most of the information in the books can be found online for free.

Online nonprofit newspapers. There are four major nonprofit newspapers and all of them can be found online: Chronicle of Philanthropy, NonProfit Times, Philanthropy Journal and Philanthropy News Network Online.

In a word, there are many ways to find and apply the government grants. If you try, you will get this grant finally.

Jane d asked:


Okay…I was enrolled in 12 units, so I got the full amount of federal pell grant which was almost $2500 per semester. I dropped a class, so now I am taking 9 units. I read a description and it says I if I have 9 units, I keep 3/4 of the money. Is that true or do I have to give back all of the $2500? Does anyone have experience with this?

Anil kumar yadav asked:


A shell corporation is a company that is incorporated but has no significant assets or operations. These corporations may be formed as an alternative venture financing mechanism.

Shell company financing works in two ways. In many cases, the shell corporation is created from scratch. The purpose of these shells is to raise money and to get a number of shares outstanding into the public’s hands. In most cases, the shares are sold in units. That is, the shares are sold as one share of common stuck plus warrants at the current offering price.

The “empty” shell is then merged with the operating company. The merged companies begin to report operating results and when the results are good, existing stockholders exercise their warrants and provide needed capital into the company.

A second type of shell corporation is formed when the company seeking capital identifies an existing shell or inactive public company (IPC) as a candidate for a reverse acquisition. This typically occurs after a public company emerges from bankruptcy. At this time it may be void of assets other than cash. In fact, the principal asset of the IPC is it’s often its public registration and a roster of shareholders from which new capital may be raised.

Shell corporations are a quick and cost effective way of taking a company public and raising public capital. However, typically bridge capital is required to finance the process and take the company to a point where investors are interested in exercising their options.

While most companies seeking venture capital initially think about angel investors and venture capitalists, a large alternative source of financing is federal grants and loans. The two largest federal grant programs are run by the Small Business Administration (SBA), and by Small Business Investment Companies (SBICs).

An SBA loan, regardless of whether it is a direct loan from the SBA, or, as is more common, a bank loan guaranteed by the SBA, is essentially a bank loan. The benefit of it versus a traditional bank loan is the rate. SBA rates are typically much less than traditional business loan rates.

In most cases, in a guaranteed SBA bank loan, the SBA guarantees 90 percent of the loan will be repaid to the bank. As such, banks are at much less risk than in most other loans, and are a bit more flexible with regards to who they offer these loans. However, the SBA usually requires the founders of the company to personally guarantee the loans, which makes them risky should the venture collapse.

Alternatively, Small Business Investment Companies (SBICs) are privately organized corporations that are licensed and regulated by the SBA. Small or emerging businesses which qualify for assistance from the SBIC program can receive equity capital and/or long-term loans from these companies. Essentially, these companies provide their own capital, which is supplemented by federal funds, to the companies they fund.

Interestingly, U.S. taxpayer’s benefits from the SBIC program as tax revenues generated from successful SBIC investments have more than covered the cost of the program. Likewise the program has created hundreds of thousands of jobs.

In summary, SBA and SBIC financing are viable alternatives to financing from angel investors and venture capitalists and should be considered in the capital raising process. Similarly to angel and VC financing, companies seeking SBA and SBIC financing need a strong management team and value proposition, and a highly professional and compelling business plan in order to raise the capital they need.

Rocky M asked:


I have an invention and I need grant money to pursue it.

Jeff Mictabor asked:


After exhausting all forms of “free money” for college, such as scholarships and federal grants, the next best thing for students are federal student loans (http://www.nextstudent.com) to help them pay for school. Federal Stafford student loans have low interest rates and are more appealing when they feature benefits and incentives, according to NextStudent, the Phoenix-based premier education funding company.

It is becoming much more difficult for some students to imagine their dream of a higher education, as college costs increasingly are on the rise along with the cost of tuition and other expenses. NextStudent believes that student loans (http://www.nextstudent.com/student-loans/student-loans.asp) should not be an extra burden to already cash-strapped college students, so the company offers incentives to make payments easier and more manageable.

. Federal Stafford loans do not require collateral or a credit check and payment is postponed until after graduation. There are no guarantee fees and students do not need a co-signer, these student loans have a low interest rate of 6.8 percent and are secured by the government.

NextStudent’s Stafford Student Loan Incentives

NextStudent has professionally trained Education Finance Advisers who know all the ins and outs of the numerous student loan programs offered. They are available to assist student borrowers with all their questions about the Federal Stafford Student Loan program. Through NextStudent’s Student Loan program, student borrowers receive:

·A .375 percent reduction on their interest rate when they make payments through Auto-Debit

·A 2 percent interest rate reduction: 1 percent after the first 12 months of consecutive on-time payments, with an additional 1 percent rate reduction after 24 months of consecutive on-time payments

·A 2 percent upfront cash rebate, whereby borrowers receive the full amount they qualify for at disbursement. Borrowers must participate in Auto-Debit and make one on-time monthly payment to qualify.

Types of Stafford Student Loans

There are two types of Stafford student loans: subsidized and unsubsidized. To qualify for a subsidized Stafford student loan a student must show financial need. The government pays the interest while a student is in school and during grace periods and deferment. With unsubsidized Stafford student loans, students are responsible for the interest; however, payment is deferred until after graduation. All students are eligible for unsubsidized Stafford loans.

Eligibility

Federal Stafford loans are eligible for federal student loan consolidation (http://www.nextstudent.com/) . There are no prepayment penalties. Repayment typically starts six months after graduation. In addition, there are alternate available repayment options, including deferment and forbearance.

In order to be eligible for a federal Stafford student loan, borrowers must either be enrolled at least half time in a degree or certificate program, a citizen of the United States or an eligible noncitizen, current on existing federal education loans, and a high school graduate or have an equivalency diploma.

Federal Stafford student loans are affordable and can help students get through college without the worry of paying back student loans until after graduation. NextStudent’s program offers a variety of incentives to make these student loans even more affordable and manageable. There is no reason not to take advantage of a great deal that helps students obtain their dream of a college education.

NextStudent offers one-on-one education finance counseling and has a portfolio of highly competitive education lending products and services including an online scholarship search engine, low and no-cost federal student loans ( http://www.nextstudent.com/ ), parent loans, private loans, student loan consolidation programs (http://www.nextstudent.com/consolidation_loans/consolidation_loans.asp) and college savings plans.

The NextStudent Scholarship Search Engine, one of the nation’s oldest and largest scholarship search engines, is updated daily, available free of charge, completely private and represents 2.4 million scholarships worth $3.4 billion.

For more information about NextStudent and its student loan programs, please visit the company’s Web site at http://www.nextstudent.com/.

Steve asked:


Education Grants

Millions of dollars are offered in the form of education grants depending upon the assignments and objectives of the tasks and projects assigned. Education grants are also dependent on the governance of the institutions. By default, state schools, colleges and universities are provided education grants to keep competitive with the changes in the education industry and have long term goals in mind. The grants are already predefined and the projects are long term that intended to hone the society and the intellectual minds living in those vicinities. Education grants can either come from states, governments or privately funded organizations.

For the most part, education grants are for the students who have the willingness to learn and thrive but the financial implications hinder the goals of obtaining a degree. There are thousands of grants available for all different segments of the disciplines, schools, and countries. http://www.360career.com  Grants also have different contracts and laws governing the use of the money. Grants are not like loans where the amount of money has to be paid off in a certain amount of years. Rather, grants do not require a pay back and are of prestigious value for students who can earn grants and scholarships. Though, there are many of the grants that have certain laws and implications associated with the grant. Many of the countries that give grants to their students to go to United States or United Kingdom sign off agreements that ensure that the specific student will come back and teach for a particular number of years in a defined role and institution.

Applying and acceptance of grants is not as easy as one thinks. Institutions grants loans or financial packages go through an extensive checklist of your previous education records, financial standing of parents and your future objectives.

Being accepted for a grant is most certainly an achievement by all standards and practice. It is also imperative to get a grant that aligns its money with your future growth. Private institutions provide grants in their particular field and allow for students that do not have the money to grow in that particular field. This not only contributes to the overall efficiency of the field but grows the understanding of that knowledge base. There are dedicated grants for animal doctors to explore disease and bio chemical hazards in remote areas of the world. The grants allows the students to partake education in chemistry or medical sciences any where in the world and provide the opportunity to go to the areas where the field of study and research is required.

Public grants have similar intent and goals in mind and that is to uplift the society with contributing and adding more civilized and education people within its domain. Each grant encourages the people to pursue higher education and specialize in their fields of study.

Federal grants are also available that are allocated by congress and applicable for all students in all classes.

Colleges and universities do not discourage the students coming to their institutions on grants rather it is a source of pride that the students granted the grant plan on pursuing their education at that particular university.

For more information about Education Grants visit:

http://www.360career.com/content/Education-Grants.asp

Joe S asked:


There are a lot out there, but are the ones that you have to pay for shipping and handling real or fake?

Jeff Mictabor asked:


Changes to Pell Grant Program Needed to Target Lowest-Income Students

Pell Grants, federal grants targeted at the nation’s most needy students, have not kept up with college costs. In fact, current Pell awards fall far short in helping low-income students cover their education expenses, according to a recently released report from the Institute for Higher Education Policy.

The IHEP study, “Window of Opportunity: Targeting Federal Grant Aid to Students with the Lowest Incomes,” found that a majority of the 5.2 million recipients of federal Pell grants in 2005–06 still had more than $4,500 in college expenses left to cover, even after factoring in money from their own funds and money from other sources, such as student loans (http://www.nextstudent.com/), employment income, and scholarships.

Current Pell Awards Leave Funding Gap

IHEP researchers found that a majority of the Pell Grant recipients with unmet college costs had family incomes of $40,000 or less. Among dependent students who received Pell Grant awards, 40 percent came from families with incomes of $20,000 or less.

Low-income families earning $20,000 or less typically had an expected family contribution (the amount families are expected to pay toward their child’s college education) of only a few thousand dollars, and 52 percent had an EFC of zero. Yet nearly half of all Pell recipients — who attend schools where the cost of attendance is more than $15,000 — needed to come up with approximately $4,500 above their Pell Grant award to cover their total college costs.

In order to pay their remaining college expenses, these students are often forced to turn to either federal student loans, more costly credit-based private student loans (http://www.nextstudent.com/private_loans/private_loans.asp), or both. But as Inside Higher Ed reporter Scott Jaschik writes, while college loans may be another option for students who need to supplement their Pell Grant aid, “the student population being served is so poor that loans may not be seen as an option by some.”

Report Proposes Changes to Federal Pell Program

The authors of the IHEP report contend that because Pell Grants have not kept up with the cost of higher education and because the most low-income students have a greater need than what the Pell can finance, changes are needed to the policies governing the Pell Grant program.

One option is a change to the Pell award analysis rules that would allow students to report a negative expected family contribution of up to $750. Currently, families are able to list their EFC as less than zero, but the Pell calculation automatically converts that figure back to zero, in effect putting a family with a negative EFC on the same need level as a family with a zero EFC.

While the most needy students are able to receive the maximum Pell award under the current system, the proposed change would allow these students to receive even larger Pell awards, up to an additional $750, after reporting a negative EFC of the same amount.

The IHEP study also proposes raising the maximum Pell Grant award amount and increasing the minimum qualifying financial need threshold for Pell recipients.

IHEP data shows that raising the maximum Pell Grant award would not only expand the number of individuals who would be eligible to apply for the Pell award, but would also increase individual award amounts.

In order to target the neediest students, however, and not just more students, the authors argue that in addition to increasing the maximum award amount, the Pell program should raise the minimum qualifying need threshold for a Pell Grant award. Although this policy change, by requiring a greater level of financial need, would eliminate some of the students who are eligible for Pell Grant aid under the current system, IHEP analysis shows it may be the best means of delivering significant grant awards to the most low-income students.

Learn more about student loans (http://www.nextstudent.com/student-loans/student-loans.asp) and private student loans (http://www.nextstudent.com/).