Archive for the ‘Personal Finance’ Category
Government Grant Applications – Must-Read Advice From A Grant Pro
Carl Ringwall asked:
There seems to be no end of scams offering free government grants. They all seem to ask for an upfront fee and then get you nowhere. There is government grant money to be had, and it doesn’t cost anything to get it. All you have to do is find the grants that suit your needs and fill out the government grant applications. Finding the right grants is as simple as knowing where to look.
The only grant site that the government has is www.grants.gov. This is a no charge, full service web site that is dedicated to helping people find and apply for grants. With access to thousands of grants worth billions of dollars and all the support and application tools you need, www.grants.gov is the perfect place to start looking for grants and filling out the government grant applications. Once you have registered with www.grants.gov you can find grants, apply for them online, and track their progress. The site also offers several applicant resources including checklists, tutorials, and user guides.
Another site that offers free resources for finding and completing government grant applications is http://creditfederal.com. One of the free resources this site offers is access to the online federal grants catalog. There are also application forms along with instructions available on the site that can be downloaded as either Microsoft Word or PDF documents. For some of the grants http://creditfederal.com offers online application submission.
A wide variety of government funding sources is www.fundsnetservices.com. This site has links to several federal and state grantors. The eligibility requirements for the grants are found on most of the listed web sites. The site has information about the grants organized by type, making it easy for people to find the grants that are best suited to their needs.
When looking online for government grant applications and grant resources it is important to be aware of the scams that are out there. You should never have to pay for information about a government grant – this information is offered by the government free of charge. There are several reliable, safe, and free resources available on the internet to help people find and apply for the grant that is right for them. Taking time to visit sites like www.grants.gov, http://creditfederal.com, and www.fundsnetservices.com is well worth the time and effort.
There seems to be no end of scams offering free government grants. They all seem to ask for an upfront fee and then get you nowhere. There is government grant money to be had, and it doesn’t cost anything to get it. All you have to do is find the grants that suit your needs and fill out the government grant applications. Finding the right grants is as simple as knowing where to look.
The only grant site that the government has is www.grants.gov. This is a no charge, full service web site that is dedicated to helping people find and apply for grants. With access to thousands of grants worth billions of dollars and all the support and application tools you need, www.grants.gov is the perfect place to start looking for grants and filling out the government grant applications. Once you have registered with www.grants.gov you can find grants, apply for them online, and track their progress. The site also offers several applicant resources including checklists, tutorials, and user guides.
Another site that offers free resources for finding and completing government grant applications is http://creditfederal.com. One of the free resources this site offers is access to the online federal grants catalog. There are also application forms along with instructions available on the site that can be downloaded as either Microsoft Word or PDF documents. For some of the grants http://creditfederal.com offers online application submission.
A wide variety of government funding sources is www.fundsnetservices.com. This site has links to several federal and state grantors. The eligibility requirements for the grants are found on most of the listed web sites. The site has information about the grants organized by type, making it easy for people to find the grants that are best suited to their needs.
When looking online for government grant applications and grant resources it is important to be aware of the scams that are out there. You should never have to pay for information about a government grant – this information is offered by the government free of charge. There are several reliable, safe, and free resources available on the internet to help people find and apply for the grant that is right for them. Taking time to visit sites like www.grants.gov, http://creditfederal.com, and www.fundsnetservices.com is well worth the time and effort.
Aussies urged to prepare finances for more rate rises
Sam Gooch asked:
Last week’s base rate increase should act as an incentive for people to get more competitive credit cards and home loan products, it has been suggested.
After last week’s increase, financial experts are warning people to take steps to prepare their finances for further interest rates rises.
Indeed, an article in the Herald Sun points to predictions from a number of commentators that following the recent decision to increase the interest rate by 25 basis points, another rise could happen on Melbourne Cup Day – November 3rd – with further hikes to come.
And while rises of both 25 and 50 basis points have been predicted for this date, the publication states that however much rates go up by people should prepare their finances so that they will be able to take on higher monthly payments.
This could mean taking the time to compare accounts in order to get a better financial deal.
Nicole Rich, director of Consumer Action Law Centre, points out that as banks and other lenders offer differing rates of interest and fees on credit cards and other products it is worth shopping around for a competitive deal.
However, she claims that the cost of any exit fees – such as early termination charges – should first be taken into account before people decide to switch.
Borrowers were also advised to concentrate on paying off their credit cards while rates remain relatively low.
Meanwhile, Tammy May, director of MyBudget, states that people looking to switch mortgages need to ensure they are making the right decision.
“There’s no point moving to a fixed loan or a cheaper loan without first knowing what the fees and exit costs are going to be,” she tells the publication.
Prior to last week’s interest rate rise, Australian Mortgage Options managing director Robert Projeski told Adelaide Now that people should prepare their finances for predicted increases by consolidating their debts, reducing expenditure and increasing the amount of money placed into saving accounts.
Last week’s base rate increase should act as an incentive for people to get more competitive credit cards and home loan products, it has been suggested.
After last week’s increase, financial experts are warning people to take steps to prepare their finances for further interest rates rises.
Indeed, an article in the Herald Sun points to predictions from a number of commentators that following the recent decision to increase the interest rate by 25 basis points, another rise could happen on Melbourne Cup Day – November 3rd – with further hikes to come.
And while rises of both 25 and 50 basis points have been predicted for this date, the publication states that however much rates go up by people should prepare their finances so that they will be able to take on higher monthly payments.
This could mean taking the time to compare accounts in order to get a better financial deal.
Nicole Rich, director of Consumer Action Law Centre, points out that as banks and other lenders offer differing rates of interest and fees on credit cards and other products it is worth shopping around for a competitive deal.
However, she claims that the cost of any exit fees – such as early termination charges – should first be taken into account before people decide to switch.
Borrowers were also advised to concentrate on paying off their credit cards while rates remain relatively low.
Meanwhile, Tammy May, director of MyBudget, states that people looking to switch mortgages need to ensure they are making the right decision.
“There’s no point moving to a fixed loan or a cheaper loan without first knowing what the fees and exit costs are going to be,” she tells the publication.
Prior to last week’s interest rate rise, Australian Mortgage Options managing director Robert Projeski told Adelaide Now that people should prepare their finances for predicted increases by consolidating their debts, reducing expenditure and increasing the amount of money placed into saving accounts.