Tuesday, December 26, 2006

Here is some very good information about grants in general. I say "in general" because the process isn't the same for all grant programs but this is very good information for those who are considering applying for a grant.

Grants are the toughest to get and have the most stringent requirements. Grants require a written grant proposal (almost like a business plan), defining the specific project for which the grant funds will be used, detailing how this will benefit the granting organization, describing how the project will be managed (including a project timeline with build-in review meetings and reports) and delineating the past relevant experience of the key members of the project management team.

In the event you do receive a grant, be prepared for mandatory reports, reviews and site visits by the granting organization to ensure that its funds are being used as promised.
Because these are government funds, politics always play a role. Securing these funds does not require dealing with financiers; it requires dealing with bureaucrats and politicians.
Bureaucrats usually won't consider your company's growth potential, the importance of your proposed project or your experience. Instead, they will consider how well your proposal meets the requirements of their confidential rule book.

This closely held internal document specifies certain conditions required for approval (only a few of which may be known to you). These conditions do not guarantee approval, they merely qualify you for serious consideration.

Examples of these conditions might include: Does your proposal create at least (a specific number) of new jobs paying at least (a specific wage)? Does your proposal have strong written backing from your city government and area politicians? Is your business on their list of targeted growth industries?

You need to understand as many of these conditions as you can before making application for funds. Visit with government managers familiar with the funding sources and area politicians and economic development directors to gain more insight. You will also want to sell your proposal to your city government, chamber of commerce and area politicians to gain their written endorsement of your project. Once you have met the conditions of the bureaucrats' rule book, you will have to sell your proposal to the agency that manages the funds.

As you move forward, remember that proposals are rarely a perfect fit with the agency's internal requirements, so be willing to compromise on terms to make your proposal more attractive to the agency. Also, government money always comes with strings attached, so never sign an acceptance document without first ensuring that you understand all the strings and their ramifications. Here are examples of what can go wrong if you rush into the process too blindly and too fast:

  • The CEO of a flourishing manufacturing business had been involved with his state's economic development organization for years. He knew all the key executives. He also knew that a sponsoring city should apply for an economic betterment grant. However, when he decided to expand his business, he submitted an abbreviated proposal directly to the committee, assuming his stature with committee members would ensure speedy approval. He was turned down.

  • An entrepreneur launched a company and approached his state's economic development office for potential support. He applied for a forgivable loan program specifically tied to the creation of jobs. However, because his business was expanding, he began to hire the extra people before his application was considered. When his application came before the committee and they learned he had hired the people, the loan application was rejected. They reasoned that he didn't need their funds to create the jobs if he had already created them.

  • Another business owner's struggling company had some debts, but it also had an exciting high-tech product with a bright future. He sought a state product-development loan to bring his new product to market. He was granted the loan. However, the loan agreement contained a clause specifying that the proceeds could be used only for future costs associated with the new product. He ignored the fine print and used a portion of the first loan installment to pay off debts. As a result, he never saw the rest of the funds and is still struggling.

    Impatient or poorly advised entrepreneurs perceive that securing government funds is easier than conventional financing. Not so. Government money is more difficult to secure, and it always comes with more restrictions.

However, if you are still considering applying for government funds, start by visiting your banker, your chamber of commerce, local economic development groups and other business people who have run the gantlet to develop a more realistic assessment of your road ahead.

Saturday, December 23, 2006

My Website Page about Grants....


I was updating the information on my grants page and I noticed just how much information was on there. I decided to let that information stay because it answers the same basic questions that get asked over and over again. Even though the questions (and answers) posted may be a few months old the information is still applicable today.

So many people want to know how they can get a grant and the answer is that it will depend on what you want the grant for. Another thing that people should be made aware of is that a grant is not guarenteed. You have to apply for the grant. Some grant programs have many applicants, some have not very many applicants and there have even been a few grant programs that have closed because they didn't receive enough or any applicants!

I have also visited a lot of websites that say that there are no grants for starting a business. A lot of them say that there are no government grants to start a business. When I see this I think to myself "Have they even seen the government's website?" Did you know that there are government grant programs that are open to all? That means that individuals and even for-profit businesses can apply.

Did you know that a man (just last year) received $500,000 in grant money? Actually the term used was "fellowship" money. He can spend this money in any way that he wants! I don't even think he knew about the program. He didn't go to them - they came to him! Why did he receive this money award? Because of his love of books!

Friday, December 15, 2006

Help For Heating Bill Woes?

Below is a response that I made to someone who was looking for help with his heating bill.

I know of at least one national program that helps provide assistance with heating bills. If you have a medical emergency and/or are low-incomed you are eligible for this type of program. As a matter of fact this particular program payed for an entirely new boiler system for a client of mine - and that includes the boiler system itself and the installation! I'm told that this is normally a $2,000 job and it was had for free - all because of a government grant program.One of the very first things that you should do is talk to your utility company to see if they have any grant and/or financial programs that you may be eligible for. I personally had a chance to talk with the contracter that did this particular job and the one thing I remember him telling me was that as good as the program is people just don't take the time to find out about it and that's really a shame! Who couldn't use a new heating system for their home if they qualify for it?

With all the talk about grant funding being cut there are still programs out there to help with one's heating bill. Although these kinds of programs are not available to everyone they are available to those who are low-incomed and/or have a medical condition.

You should also check with your local utility company to see if they have any programs available to help assist you with your heating bill.

There are also organizations that are non-government affiliated that have programs that provide financial assistance to help with one's heating bill. One organization that I know of provided a $100 check paid to the person's utility company and all it took was a phone call and a faxed copy of the utility bill to them. The utility company received the check within a week!

To find out more information about heating bill-related grant/financial programs just visit my Grants Related page at:


Sunday, December 10, 2006

Ill. gunman felt cheated over invention

You can read the full story by going to:

Ill. Gunman Felt Cheated Over Invention!

It's not a very pleasant story and it doesn't go into detail about why the guy felt cheated about his invention. I won't go into details as far as what his invention was but you can read the news article by clicking the link above.

The reason why I posted the link here is because inventors feel a real need to keep their inventions private until they find an investor or a grant for it. They worry about their idea being stolen and/or about being short changed as far as receiving ample compensation for their invention. The whole process of getting your invention made is not a simple one and it is better that you plan for it well in the beginning so that you know exactly what it is that you want to achieve with your invention - and that includes financially as well. Although people think that its a waste of time or they simply don't want to do it - one should make a business plan - even if its for an invention and not a business.

You should plan out exactly what it is you want to achieve with your invention, the basic specifics of your invention and it is very important that you read over any contract or agreement that has to do with your invention! Get your invention patented! If you can't afford to get it patented then I suggest that you find a way simply because once your invention is patented there is an official record of it and an official record of you being the one that invented it!

Monday, December 04, 2006

A Scholarship For White Students Only?????????

BOSTON, Massachusetts (Reuters) -- A Boston University student group is offering a scholarship for white students to protest financial aid programs in the United States that select by ethnic background, university officials said on Tuesday.The group, Boston University College Republicans, told campus publications the $250 Caucasian Achievement and Recognition Scholarship was intended as a statement and they had raised funds privately for the award, which does not have the backing of the university."We think giving out a scholarship based on any race is crazy," Joe Mroszczyk, president of the group, told the college's BU Today Web site.Boston University Dean of Students Kenneth Elmore said he believed the move was misguided."Our goal is to try to increase diversity on the campus, and that usually means diversity from an ethnic and racial standpoint," Elmore said. "This scholarship does not further that goal."U.S. colleges commonly use financial aid packages, which include grants and loans, to attract students with diverse characteristics, from sporting abilities to ethnic backgrounds.Tuition at the private Boston University, which has more than 31,000 students, costs $33,330 per year, and with room and board a student's expenses can top $44,000.

Saturday, December 02, 2006

The "Working-at-home" opportunities are growing.....

For the last 2 hours I have been at websites that talk about the different work-at-home opportunities that are out there.

Did you know that there are openings for professional bloggers? One job post that has been filled was for a blogger needed to post on a blog for one of the tv shows on the Fox Network! And they are offering a salary!

There is another website that lets you earn money by writing reviews on almost any subject out there - there is a special interest on writing reviews about places in your own local area.

You can also earn money by playing games online!

Unfortunately the sites that I have seen don't offer a lot in the way of payment. Some you het paid by how popular your posts, articles or reviews are - but they are offering to pay you. And you may even be able to find that hidden gem that will pay you more!

Monday, November 27, 2006

Are There Any Grant Programs For My Mother To Start A Pet Business?

There are grant programs that fall under the category of entrepreneurial grant - meaning that they are grant programs that are specifically geared to those wanting to start a business. These kinds of grant programs are available on a national, state and local basis however a LOT will depend on the specifics of the business. For instance I know of a grant program for aspiring entrepreneurs who are a minority and under the age of 35. That grant program awards $20,000 and the award goes to more than one winner. In this case you have to be a minority and under a certain age. All of these grant programs are like this - SPECIFIC!

Another thing is that you have to understand the whole grant process thing. Just because you apply for a grant does not mean that you will automatically get a grant. Theoretically speaking the grant application submitted that best meets the objectives of the organization awarding the grant will - theoretically - get the grant award.

What your mother will have to do is to tailor her grant application for the individual grant programs that she is eligible to apply to. A lot is going to depend on the kind of business plan that she has. Entrepreneurial-type grant programs are most often awarded by foundations and big businesses and corporations so that will be a good place to start to look. The federal government also has grant programs that are "open to all" and/or open to businesses to apply so you can check for those programs at their website.

Friday, November 24, 2006

Grant Programs For Individuals?

Are there grant programs out there for individuals? Of course the answer is YES! For example there was a professor who, at age 64 received a grant award of over $100,000 that had no strings attached (meaning he could spend the money any way that he wanted) simply because of his love of books. Technically this grant is called a fellowship but the award is for individuals of outstanding talent to further continue their endeavors and they don't have to be affiliated with institutions which means that they can receive it as an individual. This grant is open to scientists, artists and even businesses people and entrepreneurs to apply!

There are no credit checks involved. It doesn't have anything to do with what your credit report score is and this is not a loan. It is a monetary award that you can spend in any way that you want. And like I have said many, many times before these kind of grant programs have an objective in mine. In the case of this grant program the objective is to help encourage creativity and education.

So there are "grant" programs of this sort - in this case provided by a foundation. So in spite of what the so-called experts say there are grant programs out there for the individual!

Sunday, November 19, 2006

Some Grant Programs I'm Not Too Crazy About.....

In its most basic meaning a grant is money given that does not have to be paid back. That is what a grant is in its most pure and simple form. However there are some grant programs that don't follow this simple and pure form. You should never have to pay money to get a grant and I am finding that there are other requirements that don't adhere to the "pure and simple" form. The latest grant program that I am investigating has a specific requirement that has to be fulfilled by the applicants. No, not by the business that wins the award but by every business that applies for the grant program. To put it quite simply the applicants have to apply for a line of credit. Now since part of the grant award is provided by a bank I think that there may be a conflict of interest - and especially so because the applicants have to apply to the bank that provides part of the grant award! There is a list of the grant recipients so that means that the grant program does get applicants but there are some questions I have. One of the most important has to do with the business applying for a line of credit. Would they do so even if there wasn't a grant program behind it?

A lot of businesses that I know and that I have worked with didn't have the means to apply or be eligible for a line of credit in the first place and that is why they are seeking grants. And doesn't having a line of credit mean that you have to pay it back? That doesn't sound like a grant program to me. While there are other requirements as well this one stood out to me because it doesn't sound (or feel) like a grant program.

Monday, November 06, 2006

Movie Review - Lara Croft Tombraider!

I'm all for independent women and this is certainly one! Lara Croft (as potrayed by Angeline Jolie) is gorgeous, smart and rich! Her father was an archeologist and she seems to have taken on the business after her father's death.

The reason why I'm mentioning this movie is because I had a chance to see it again and I was reminded of why I like this particular movie. Number one that place that she lives in is gorgeous! I especially love that bathroom and the reason why it stood out for me is because I want one just like it! Now you may be asking yourself what this has to do with business or working from home or even grants. Here is my answer(s)

  1. Carrying on a father's business - do this sound familiar? Do you know of anyone (male or female) that has taken over the family business? What about you yourself? Are you a part of a family owned business? What about starting a family owned business? What about starting a business that has to do with families? For instance there is a market for helping people find out about their family roots or geneology. You could start a business researching this information for others. It's the kind of home business that you can start and do from your home researching on the internet and even going out to find specific information for others.
  2. Archeology - It may seem like a boring topic but there is a LOT of interest in it and as far as it being grant-related there are grants for archeology-related endeavours.
  3. Lara Croft - Did you know that there is a newsgroup that discusses this movie and character? How could you turn that into a business? Lets say that you are a fan of the movie. If you make jewelery you can design specific pieces relating to the character and the movie. (However I should note that (of course) the Laura Croft movie and character are copyrighted items so you can't do things like sell images of the character unless you have permission.) There are many fan websites on the Internet and some of them have managed to make a living from their website. So if you are a fan of a specific thing you should seriously consider putting up a fan website!

Saturday, November 04, 2006

Top Home Businesses That You Can Start From Home!

Here is a link to an article about businesses that you can start from your home. The first one that is listed is one that I have been recommending for a long time now!

1.Pet Sitting: Imagine the perfect home-based business where you get paid to walk and enjoy the companionship of pets. A pet is often the "children" of the family in more homes today as Americans spend more than $34 billion a year pampering their pets.

Darlene Ehlers of Pampered Pets Home Care in Blue Jay, Ohio and Pet Sitter of the Year couldn't imagine the potential of a home-based business opportunity. "I started as a part-time business and never dreamt it would be a full-time business. It just keep growing and growing," says Darlene.

With busy work schedules and the choice of leaving their "best friend" in a kennel, more and more pet owners are hiring the services of a pet sitter to walk the dog and provide companionship while at work. With the current dog and cat population in the U.S. at 135 million, according to The Pet Food Institute, this is one home business that should purr for years to come.


The link to this article is: here

Thursday, November 02, 2006

Hurricane Katrina-related repairs

It is expected that over $1 Billion Dollars in grant monies will be awarded to help apartment owners repair storm related repairs to their apartment buildings.

Homeowners are expected to receive over $7 Billion Dollars in grants for Katrina-related repairs!

Saturday, October 28, 2006

Short But Sweet!

The federal government awarded more than $380 billion in
contracts last year and gave away another
 $300 billion
 in grants

Thursday, October 26, 2006

No 2 Grant Programs Are Alike!

Unfortunately that is not entirely true.  A non-profit daycare does not have to be funded by the government.  As a matter of fact there is one grant program for non-profit daycares in one area of California that has 4 different grant programs for non-profit daycares.  Basically speaking non-profits are so named because their objective is not to make a profit but to reach their goal whether it be saving animals, providing daycare or bringing a greater awareness to a specific medical condition.  Very good examples of this are the fundraising events and volunteer work that is constantly being done.
My personal opinion is that it would be smart to operate your daycare as a combination of both a "for-profit" and "non-profit".  The irony of operating as a non-profit is that if you don't generate enough funding you run the risk of going under.  The same thing is true for for-profits as well. 
Another misconception is that grant funding can only be had by government programs, which is yet another myth.  There are many organizations, foundations, groups, businesses and individuals that have grant programs.  There is also a small but growing trend in the belief that for-profit businesses can serve in the "non-profit spirit" - which means that more (at a slow pace) grant programs are being made available to for-profits so that they are eligible to apply.
I would say that 6 months is a good average time period to expect to receive a grant reward.  BUT I want to emphasize that word "average" because like I have said many times before no two grant programs are alike.  I have dealt with one grant program that took only a few days to provide the award.  There is a grant program that provides a $500,000 grant award to help people "pursue their dreams" - but it is not paid out all at one time - it is paid over a period of years.  So again no two grant programs are alike.

Wednesday, October 25, 2006

More Information About Financial Assistance For Teachers!

Yes there are financial programs out there that actually help teachers with their mortgage payments.  There is a national program that is available to teachers who teach in the public school system BUT to be eligible to apply for the assistance you have to be teaching a certain subject.
As well as the national program, there are also financial assistance programs being provided by different states to help teachers with paying back their student loans.  For example in Florida there seems to be a shortage of qualified teachers so a financial program was developed to:
"provide financial assistance to eligible Florida teachers for the repayment of undergraduate and graduate educational loans which led to certification in a critical teacher shortage subject area. Full awards may be an amount up to $2,500 per year to repay undergraduate loans, and up to $5,000 per year to repay graduate loans received prior to becoming a certified teacher in a critical teacher shortage subject area. Graduate courses which did not result in a graduate degree in an appropriate critical teacher shortage subject area may be awarded at the undergraduate level. A total annual award may not exceed $5,000. Applicants may receive up to a maximum of $10,000 for the duration of the program."

Monday, October 23, 2006

Student Loan Forgiveness Programs For Teachers?

Well I'm having the hardest time posting a reply to the teacher that posted to ask if such programs are available so I will post the answer here on my blog. The answer to this is Yes HOWEVER each program is different. For instance there is one particular Student Loan Forgiveness Program for teachers that let them apply for $2500 each year until a total amount of $10,000 has been applied towards paying off their student loan. However this particular program has its own set of requirements and eligibilities. For instances teachers who teach K-12 are eligible to apply but must teach in either a rural or urban area.

Thursday, October 19, 2006

Scholarships - Where There Is A Will There Is A Way!

There are many local organizations that have scholarship programs of $1,000. Now you probably think that that is not a lot - especially when you talk about the cost of going to college. But one enterprising student applied for (AND GOT!) 11 OF THEM!

Saturday, October 14, 2006

More Proof That There Are Indeed Grants Available For Small Businesses!

An article in a major publication about how the big companies and organizations are taking advantage of all the grant programs that were intended for small business owners!
Over 20 Billion Dollars were allocated for 9/11 recovery grants but the bulk of that money went to giant corporations!

Still Don't Believe Me About Government Grants Being Available?

Here is an excerpt from the "American Chronicle"
"Buying a New Home, Paying For College and Starting a New Business has never been so easy!

A Government Grant is an aid program specially designed for helping those who have financial difficulties and cannot achieve, due to lack of finance, certain goals the government is interested to promote.

Government Grants Explained

Though there are many different government grants for a lot of purposes, as noted in the first paragraph, most of them concentrate on three goals: Helping people start their new business, helping people pay their way through school or college and helping people buy their first home.

Grants are provided by government agencies all over the country and at all levels of administration: There are Federal Government Grants, State Government Grants and Local Government Grants.

Each agency has its own requirements and though qualification is not as difficult as it may seem, the truth is that you need to be informed in order to successfully apply for a Government Grant without fear of being declined.

Grant’s amounts range from hundreds of dollars to tens of thousands of dollars. As the loan amount get’s higher, it becomes increasingly difficult to qualify for. So you ought to know the requirements beforehand and apply as early as possible. It is known that most Government Grants are granted on a first arrived, first served basis, so timing is a very important issue not to be bypassed.

The smartest thing to do is, by analyzing grant’s requirements, to select the Government Grant you are best qualified for and concentrate on applying to it. There are certain grants restricted to citizens of certain states or towns. Others are restricted for those working on certain fields or for those coming from certain economic conditions.

Friday, October 13, 2006

A 490 Page Document!

That's not even a document - that is a book! But oh what a book! This is a 490 page pdf "document" that lists available grant programs for both school districts and teachers. I have a lot of reading to do!

Thursday, October 12, 2006

Internet Radio?

I was a DJ for a lot of years. I stopped when the last station that I worked for fired 95% of its airstaff and replaced us with a feed from California. I do miss it though. I did have an Internet radio station at one time and am considering renewing it. But I have browsed the message forums and saw one post from someone that wanted to work for an Internet radio station. What I suggested was that he start a website. With a website you can post your voice so that others can hear it. Include some contact information like an email address so that they can contact you in case they are interested in using your voice.

There are a lot of things that you can do to "advertise" yourself. I have a basic PC and one of the programs that comes with it is a simple sound recorder that I have used numerous times to record my voice and put it on my website. You can get really creative and add sound effects and even add sound effects to your own voice. You can hire yourself out as voice talent. I have come to find out that there are a lot of people that have Internet radio stations but they don't like the sound of their own voice - so they can use yours instead.

How would you make money with this? Well you can hire yourself out as voice talent. You can set up a webpage listing all the general information like what you charge and what you charge for. I even read about a woman that started her own business doing answering machine voices/sound effects for others.

This may sound like a complicated thing to do but for those that have an interest in this type of thing it is another example of how you can start a business from your home doing something that you love!

Sunday, October 08, 2006

Scholarships/Grants For A Disabled Single Mother Wanting To Continue Education?

I am a single disabled mother living in a small town. I have just returned to college here and plan to graduate in spring of 08 and transfer to the University of Bakersfield. Are there any scholarships that I could apply for and is there something that would help me catch up on my heating bill and get me a good computer? My email address is K~. Just in case you needed to know my major is social science. Thank you.

I will address your first question. Time and time again I have noted on both pages about grants and grant-related information about the availability of grants/scholarships and funding for those that are disabled, single working mothers and or those wanting to continue their education. The answer to your question is "Yes" there are scholarships and funding that you can apply for. As a matter of fact the number of funding programs that you are eligible to apply for increases because of your disability and the major that you have chosen. I know for a fact that there is an organization devoted to helping single mothers and will even help in them paying back their student loan. I found out about this organization when I was finding grant programs for a client who is also a single mother. And this is just one of many programs.

You have to understand that these funding programs (including the scholarship programs) were put in place to help fill a need. In your specific case the fact that you want to continue your education in the field that you mentioned above is one of the reasons why there are scholarship programs at all.

Saturday, October 07, 2006

Student Loan Forgiveness Program For PA Teachers.....

There is a Teacher Loan Forgiveness Program in my state (PA): Eligible applicants are permanent classroom K-12 school teachers.  Applicants must spend the major portion of the school day during the school year teaching in a classroom at an eligible urban or rural school district. The program offers up to $2,500 in forgiveness for each year that the teaching commitment is fulfilled and up to $10,000 will be forgiven for any participant.
If you're not a teacher in PA you should still check and see if there is a similar program available in your state.

Friday, October 06, 2006

Paying Back A Teacher's Student Loan - Speaking of....

"Are there any grant programs that will help a teacher pay back their student loan(s)?"

When you start to find these programs you are going to find that you are going to have to be more specific about your information. There is not a program for all teachers however there are programs for teachers that meet a certain criteria. For instance there is one program that pays $2500 a year towards the teacher's student loan - up to $10,000. However not every teacher qualifies for this program.

Thursday, October 05, 2006

"12 Jobs That Will Never Disappear"

Ever wonder what jobs (and what job markets) are stable? Here is an article from AOL

12 Jobs That Will Never Disappear

Here are a few excerpts:


  • Teacher - Why it's everlasting: There will always be a need for education, and there will always be a need for people to do the educating.
    What it pays: The median annual earnings of kindergarten, elementary, middle and secondary school teachers ranged from $41,400 to $45,920.

  • Barber - Why it's everlasting: People will always need to have their hair cut and groomed. What it pays: The median annual salary is $21,200.

  • Farmer - Why it's everlasting: One of the basic human needs is food and, even though farming is increasingly consolidated, there will still be a need for someone to grow it.

Saturday, September 30, 2006

What Does A Grantwriter/Researcher Eat For Breakfast?

when I'm in a hurry! (and hungry!)

This is usually when I'm in a hurry and need something fast! Sometimes I don't even eat breakfast at all which is something that I really should be doing. See the coffemaker in the background? THAT comes in handy too!

Friday, September 29, 2006

Do You Have A Paypal Account?

If you do you are going to have to be very careful! This has nothing to do with Paypal itself (I don't want to scare you). This has to do with getting email from someone (or something) claiming to be Paypal. You'll get this email saying that it is a very important matter or something like "someone" was trying to use your paypal account or a dire sounding message which is similar. The email supplies a link that you can click to "go to your Paypal account and verify its usuage". DO NOT CLICK ON THE LINK! Run your cursor (but do not click the link) over the link to see if the link's web address shows up. If it does take a very good look at it. You might notice that the link doesn't go directly to Paypal - it goes to somewhere else and that is when you should feel a "red flag" warning. I repeat - DO NOT CLICK ON THE LINK! If you do and you go to a webpage that asks for your account information and you enter that information then you will be giving someone else your account information and they can use that information to get into your paypal account! Here are some good (and relevant) links:

How can I protect myself from PayPal fraud or scams? - PayPal - PayPal is dedicated to fighting fraud and scams. ... A PayPal scam email may include the salutation "Dear PayPal User" or "Dear PayPal Member" ...

PayPal Email Scam - Web Site Version - Prevent and detect identity fraud at Fight Identity Theft.

About Scams, Urban Legends and other False Information PayPal Scam - PayPal account holders have been receiving an email that says someone has paid them money. The name usually used is......

Tuesday, September 26, 2006

"I Need A Grant ASAP"

i found your page looking for grants or loans -i need a grant asap-the applications where does a person obtain them. thank you.


The answer is not as simple as you think. The most important aspect of your comment is that you have not mentioned what you need a grant for. There are personal grants - like for "financial" emergencies as well as business-related grants.

There is no "one place fits all" when looking for grant programs

Thursday, September 21, 2006


One work at home business idea that I often suggest is starting a "Coupon" club. How many times have you bypassed a coupon either because you don't clip coupons or it was a coupon for something you don't use? Just because YOU can't use it doesn't mean that somebody else can't. So why not take advantage of that fact and start a little business of your own where people can trade coupons. Where does the income come from? Well you can start a newsletter both online and off and charge for advertising. You can allow comments from others on the coupons they use, what products they use and most importantly how they feel about the products they use - all information that would be very appealing to potential advertisers!

You can start locally by designing an attention grabbing flyer about your coupon club to get people interested. And then those that are interested can sign up or contact you for more information. Your going to have to decide on the general way that your club will operate - meaning will there be gatherings, how will the coupons be traded and what coupons will you be dealing with?

Remember that you will be trying to attract advertisers and don't limit yourself into thinking that the advertisers that you seek will be the products on the coupons. How about one of your club members that is going to have a garage sale? What about a member that does babysitting? Your advertiser base can also include those that are not members but are local businesses and others that know about your club and want to advertise. You can also take advertising from those that want to buy something who are having a hard time locating what they want. I remember reading a story where a guy wrote that he was selling his boat. He got a buyer but what was more interesting to him was the fact that he got so many calls from people who wanted to buy the boat. So what he did was buy more boats and then sold them to the people that wanted to buy them.

You can even expand your business by including Ebay where you can find either buyers or sellers who are interested in Ebay. You can act as their middleman (or woman or person). Ebay has a name for this and it is called "Trading Assistants" which is what you would be.

Even though I had often recommended this as a good business to start I was re-reminded of it when I was reading a blog. The blog is called:

Frugal Money Saving Ideas
and I just love the posts. The post that re-reminded me of the "Coupon Club" Idea is linked below:
Just in case you're wondering - yes, I do clip coupons-LOL!

Wednesday, September 20, 2006

There are still some grant programs available for New Orleans Businesses

Despite the lack of government grant programs to help the small businesses in New Orleans get back on their feet, efforts to help save the area has resulted in a few grant programs being offered by other organizations.
While the government does have funding programs in place it seems that the bulk of the grant programs are being used for housing-related programs.  That doesn't mean that there are no grant programs to help assist the businesses.  There are.  But either due to lack of awareness or for whatever other reason, the businesses owners do not want to take advantage of the government loan programs being offered to them because they do not want to take on the added burden of having another loan that they will have to pay back.
Just in case you're wondering, New York received much more money for grants to help the small businesses in that area.

Sunday, September 17, 2006

A Recent News Story About Grants

A Recent Local News Story About Grants

I didn't even know about this in advance. I was just watching my local news and they had a story about a grants "scam". A couple received a phone call saying that if they paid around $300 they would get a grant for $5,000. Well the couple sent them the information (and the money) that they wanted and they haven't heard from them yet. Then the story continues with an interview with the district attorney and what he said was that the government WILL NOT call a person saying that they are eligible for a grant.
I just wanted to add my own 2 cents here.
Number one - A grant can't be guarenteed. You apply for a grant and you submit it along with anyone else that has applied for the grant. Theoretically speaking the application(s) that best meet the requirements and objectives of the grant program will be the ones that will be awarded the grant money.
So a good warning sign is when someone guarentees that you will get a grant.

Sunday, September 10, 2006

Do You Want To Start Your Own Business? Work from Home?

There are stories and examples galore of those who started their own businesses at home. But when I see people posting about finding "work at home" jobs I get the feeling that they want the "security" of working for an employer who lets them work at
home. And I was quite surprised to find some examples of legitimate work at home jobs like the examples I noted before such as the disable woman that works from her home answering telephone calls from stranded motorists that belong to her                               employer which is an auto club. So there are legitmate jobs out there that allows one to work from their home but the problem seems to be in them finding those companies that are legitmate.                              They are out there however.  I'd also like to point out that people have started "unusual" businesses as well! I like the story of the two guys that like to mooch off of other people. However they ran out of people to mooch off of. So guess what they did? They wrote a book about how to mooch off of people and they each now have their own beach house!

There are many examples of businesses that people can start and I listed on one of my pages how one could take one of their programs that they have on their computer and start a business of their own. A woman actually started a answering machine                                message service using the programs that she already had installed on her computer. Another woman took an astrology program and started a business doing astrology readings - but guess what - she added a twist - the astrology readings were for                                people's pets! And we know how big the pet industry is - people love doing things for their pets.

So I don't know what it is. Maybe people are afraid to start their own business or they don't think that they can do it. Just look at all the people who have managed to start a successful business on Ebay! I know of a guy who does yard work in my area and he says that he has more business than he can handle! Starting a day/childcare is always a good business to start because there is always a need for it.

I think the main concern for people is the money and how fast they will be able to make it - of course of which the answer is that it will depend on them.  I think that the most encouraging piece of advice that I can give is that no matter what kind of business you want to start there is already someone out there who is actually doing it or something similar to it - and doing it successfully!

Friday, September 08, 2006

Grants - A Note From Rose

I have seen the responses to some of my posts but I couldn't reply to them since the board now has a new format so I decided to post here.Here are some of my comments:First let's set aside the fact that I do this for a living.Of all the people/posts that have replied in a negative way, I haven't seen one mention anything about the grant information provided by the Idea Cafe itself. They have information on grant programs for those that want to start their own for-profit business. They even have a grant program of their own. Their most recent grant winner was a business in New Orleans. Why I have found these grant programs (besides it being my job to do so) and you haven't - I can't answer that. 90% of all grant information I have found online without having to join anything or pay a "membership" fee.I used to think that calling myself a "Dream Job" Consultant was kind of hokey but I have been convinced that this is EXACTLY what I do. It all comes down to desire and how badly one wants it. I'm not talking about wanting it badly enough to lie, cheat or steal. But I am talking about wanting it badly enough to take the time and effort that is necessary in order to achieve what you want. Not everyone that started their own business started with a lot (if any) of money but they did use what they did have which is their blood, sweat and tears.Unfortunately I can't agree with the statement that investors aren't interested in "small" mom/pop operations because I am dealing with one right now - again - a part of my job.You have people who are coming to these boards because they want to start a business of their own or they want to expand on the business that they already have and that can be done. When one doesn't have the money to accomplish that they work with what they do have which is theirselves. Just because someone has a "dream" about starting their own business doesn't mean that it has to remain a dream.And in closing my main comment to those that want to start their own business but think its impossible is to say that no matter what kind of "dream" job you want to pursue there is already someone who is doing it (or something close to it) who is making a living at it.Asking me to provide you with SPECIFIC grant programs is like asking me to prepare your tax return without paying me for the work and that is something that I will not do.So if you want to continue to tell people that there are no grant programs for starting a business or for for-profit businesses then you go right ahead and continue to tell them that.

What if you can't afford to the fee to apply for tax-exempt non-profit status?

Then you have a decision to make and that decision is how badly do you want it?  The most simple solution is to save up enough money to be able to pay the fee.  IT DOES NOT COST A MILLION DOLLARS to apply for tax-exempt non-profit status!

You can set up a website and ask for  donations.  There is more than one free webhosting site on the Internet.  Use your website to its full advantage.  There's nothing that says that you can't let more people know about your organization WHILE you are applying for tax exempt and non-profit status.

You can sell some things on Ebay.  I am an Ebay member and I have been able to sell on Ebay.

Just because you can't afford the fee now doesn't mean that you won't have the money in the future.  Plan to have the money in the future and in the meantime build up more interest in your organization and bring it to the public's attention WHILE you're applying for the tax exempt status.  Who is to say that you don't get an anonymous donor or two?

Monday, September 04, 2006

The One Thing That You Are Going To Have To Understand About Grants Is....

that there is no one grant program for all needs.  For instance there is no one daycare grant program that is available for those looking for daycare-related grants.  There are many factors that are going to be involved.  For instance is your daycare a non-profit, a for-profit or a combination of both?  Is your daycare in the home or outside the home?  What do you need the grant money for?  Will it be for equipment, starting a specific kind of program or do you want the grant to pay for your daycare building?  Where will your daycare be located?  In some areas the need for daycare is so great that they have programs where both non-profits and for-profits can apply.  Are you in one of these areas?  Who will your daycare be for?  Will it be for toddlers, older children, special needs children?  What kind of programs will you be offering?  Some daycare-related grant programs provide grants for providing certain types of programs.  What hours will you be operating your daycare?  Some daycares have received grant awards because they operate during non-traditional hours.  One daycare got a grant because they operate 24 hours a day!

So you see its not a simple case of applying for a grant because you want to start a daycare.  It is a case of what kind of daycare you will be operating.

Sunday, September 03, 2006

I Have A Lot Of Email To Catch Up On.......

But don't worry because I do try and answer ALL the email that comes my way.  Sometimes the same questions get asked over and over again but I still do try and answer all the email that comes my way.  This particular week I have had a lot of work to do and my email box is piling up.

Friday, September 01, 2006

Is It Worth It?

Someone emailed me and asked me was it worth their time (and effort) to look for any grant funding.  Of course my answer to them way yes.  Actually I was quite surprised by the question.  But I do understand that there is a lot of information about grants out there.  Some of it is good and some of it is bad.  Of course there are individuals and businesses out there that want to make a profit from it but what no one seems to realize is that these kinds of individuals and businesses exist in every kind of area there is.

As a matter of fact I encourage people to find this kind of information on their own because there is no better a way to know that these kinds of funding programs exist than to find out for yourself that they do indeed exist.

The only reason that I know that these kinds of programs exist is because I took the time and effort to find the information.  I have used this information to help both myself and others.  And while finding these kinds of funding programs I have found some very surprising ones as well!  There is a grant program to help people fulfill their dreams!  There are numerous grant programs to help people who are having problems paying their mortage, their utility bills and there is even a program in my area that helps with low-cost loans to those who need to get a car for work.  There is another grant program in my area that provides a $25,000 grant for home repairs!  I didn't find this grant program - it came to me in the mail!  I did check it out though and it is very, very legitimate. 

Don't get me wrong you should investigate every program that you find to make sure that it is legitimate but I have been doing this long enough to know that there are legitimate grant programs out there and they are awarding both individuals and businesses and organizations a LOT of money.  One of my pages talks about how "Planned Parenthood" gets sooooo much grant money.  You should read it!  It might just surprise you!


Monday, August 28, 2006

Grant(s) To Help Sex Workers?

I got an email from someone who was seeking help with this.  They wanted to start a tax-exempt, non-profit organization to help those in the sex industry.

My first thought was that I didn't think that there would be a grant program for this kind of thing.  But I did a little further investigation and found out that there are grant programs in place to help those that want to help sex workers.  They all have different and varied requirements.  For instance one requires that you be a member of a university and this is a research grant.  It does provide up to $10,000 in grant money and you can use part of that money for travel relating to your research.

Another grant was received to publish a publication to help better understand those that work in the sex industry.  Although the recipient of this grant was in Thailand, those in the U.S. are also eligible to apply for this grant program.

An artist (in collaboration with a non-profit organization) in California received a grant for her project which involved her using her computer to provide documentation, materials and images and stories about those that work in the sex industry.

Organizations that are "by and for" those in the sex worker industries have received small operational grant funding as well.

There are even grant programs to help provide sex workers with more education and to help strengthen their rights.

So I was wrong.  There are such grants available - both in the US and globally.  And there are many of them out there!

Thursday, August 24, 2006

There Are Those That Have Received Grant Money When They Shouldn't Have

A news article has come from Africa about the investigation of individuals who have worked for the government there who have received grant monies when they weren't supposed to.  Here is a link to the article:


Over 400,000 individuals received grant money even though they were not eligible for it!  The investigation into this fraudenlent activity will take 2 years to investigate but already criminal action against some of the individuals has already taken place.  Some are expected to pay back the grant money that they received and others will face criminal prosecution.  Some of the grant programs themselves have been cancelled with more on their way to being cancelled.

The names of those individuals who have committed the fraud(s) are going to be released from the government - in their words - "the public has a right to know who has been stealing their money"

Its hard for me to calculate how the stolen amounts can be converted into American dollars but with over 400,000 people committing the fraud that still comes out to a LOT of money!

Saturday, August 19, 2006

Starting An Organization To Help Musicians?

There are organizations like this that already exist in the US - that offer help to struggling musicians.  They do have their requirements though - but since you're talking about starting one of your own - I'll address that.

First, since you are talking about starting up this kind of organization does that mean that you haven't started it yet?  In other words what I'm trying to find out is whether or not you have your non-profit status?

Organizations such as these will solicit donations and have fundraisers in order to raise the money that they in turn use in grant programs to help others.  There is also one very important piece of stragedy that these organizations do to help with the maintaining these funds which I will not mention here - but I will say that when you do start a non-profit organization and especially when you are working with funding(s) it would be best if you treat it like a business and do the "business-like" things to maintain it.

Now as for programs that offer grant awards to music-related organizations there are such programs available - every thing from children and music to seniors in music and mostly everything in-between.  However if you are going to apply for these fundings - unless they state otherwise - you will have to get your non-profit status in order. Some grant programs allow you to apply while you are seeking non-profit status but they have to have proof that you are doing so.

As for grant programs that award grants to those that are for-profit there are programs available that you will have to look into further because it will all depend on how you submit your application.

Wednesday, August 16, 2006

Business Idea #072006 - Single Mom? - How About Starting A Single Mom Newsletter

What is something that you have experience with?  Raising your children.  It may be something that is so close to you that you might not have even thought of it as something that you could turn into a business.

One of the pieces of advice that I strongly agree wtih is that if you can find a need you can turn that need into a business.  As a single mother I'm sure you're acquainted with other single mothers right?  What do you talk about?  What do you complain about?  Do you know that you can start a blog about being a single mother and your experiences with it?  Allow comments from other single mothers.  I suggest a blog because you can start one for free and with your blog being on the Internet people from all over the world will be able to read it 24 hours a day and 7 days a week.  Now you may ask how your blog could bring you an income and there are ways to do that.  However I'd like to say that you should go into your blog with a specific goal in mind and that is the most honest reason which is you're relaying your experiences about being a mother.  People read blogs all the time and of course that brings up the question of getting traffic to your blog which is something that you can do with the least amount of expense (at the beginning).

I'm only assuming here but I'm thinking that you want to be able to work at home to be with your children and if you can do that using your computer that would be something that you want.  You could start a single mothers' newsletter type of thing.  And since one of your main concerns will be earning an income from it that is where your main concern will lie.  How does one earn an income from a newsletter?  Advertising and subscriptions.  In order to get advertisers interested your newsletter should draw interest.  For instance single mothers are always concerned with needing a babysitter or childcare so who in your area offers that or who would like to advertise that they offer that.  To make your newsletter even more of interest to potential advertisers you could start a review section.  You have to shop right?  Where are the best places?  Where can you get more bargains?  Etc.,  You can also provide an offline version of your newsletter to those that don't have a computer.  And in order to gain a subscription base you can offer a free version of your newsletter - of course included with the information of how they can become subscribers.  You can include a "Question & Answer" section - like being a "Dear Abby" for single mothers!  People will read it and people may see a reason to want to advertise in it.  What about Ebay?  Do you have something that you could sell on Ebay?  What about others that may have something to sell and you can act as their seller?  You can add this information to your newsletter?  People oft-times have things they may want to sell and if they see how well others are doing on Ebay they may want to sell their stuff more!

Now you may say that you don't know anything about Ebay and my answer to you would be to LEARN!  It isn't rocket science and it is a way to earn an income from your home - meaning you being home with your kids.  And if you sell for others you will increase your income more.  As a matter of fact you don't even have to use Ebay you could start "selling" from your newsletter.  Say someone has something they want to sell and they advertise in your newsletter.

Having a newsletter online may seem scary.  So how do you make it less scary?  You create it offline first.  Decide on a layout and make that layout a constant in every subsequent newsletter.  Then you can put it online.  What do you do next?  You build up your reputation - or I should say your newsletter's reputation.  Give a free printed version to your friends - build by word of mouth - which is the best kind of advertising.

This is something that you can do at home, something that you have experience with and something that you can have fun with.  And I won't even go into what you and/or your newsletter can evolve into - like publishing for others and on and on.....

By the way you mentioned catering, as a matter of fact you mentioned other hobbies like crafts - how about including receipes in your newsletter (yours as well as others) - you can even do a contest - people are always interested in that.  You could build your denim ideas into your newsletter - that's what Martha Stewart does - she "hawks" her wares on her TV show - so why not do the same in your newsletter? 

Starting a newsletter is a very good example of a business that you can start at home so that you can be with your children.

Tuesday, August 15, 2006

Work for someone else versus Starting Your Own Business?

There are stories and examples galore of those who started their own businesses at home.  But when I see people posting here about finding "work at home" jobs I get the feeling that they want the "security" of working for an employer who lets them work at home.  And I was quite surprised to find some examples of legitimate work at home jobs like the examples I noted before such as the disable woman that works from her home answering telephone calls from stranded motorists that belong to her employer which is an auto club.  So there are legitmate jobs out there that allows one to work from their home but the problem seems to be in them finding those companies that are legitmate.  They are out there however.

Like I posted in the subject line I agree with everything you said and I'd also like to point out that people have started "unusual" businesses as well!  I like the story of the two guys that like to mooch off of other people.  However they ran out of people to mooch off of.  So guess what they did?  They wrote a book about how to mooch off of people and they each now have their own beach house!

You cited examples of businesses that people can start and I listed on one of my pages how one could take one of their programs that they have on their computer and start a business of their own.  A woman actually started a answering machine message service using the programs that she already had installed on her computer.  Another woman took an astrology program and started a business doing astrology readings - but guess what - she added a twist - the astrology readings were for people's pets!  And we know how big the pet industry is - people love doing things for their pets.

So I don't know what it is.  Maybe people are afraid to start their own business or they don't think that they can do it.  Just look at all the people who have managed to start a successful business on ebay!  I know of a guy who does yard work in my area and he says that he has more business than he can handle!  Starting a day/childcare is always a good business to start because there is always a need for it.

I think the main concern for people is the money and how fast they will be able to make it - of course of which the answer is is that it will depend on them.

I think that the most encouraging piece of advice that I can give is that no matter what kind of business you want to start there is already someone out there who is actually doing it or something similar to it - and doing it successfully!

Wednesday, August 09, 2006

Grants & Starting A Daycare - Another question about starting......

         My name is A~, and I live in San Antonio Texas. I am a single mother with a 1 year old son. I have been picking my brain about what I want to do. I have 3 years of college completed with about 5 thousand in student loans...I am very interested in opening my own daycare facility. Where do I start? Do you know a web-site that I can go to to look for grants! Thanks A~

Thank you for your email.

One of the clients that I did have was a single mother who was just looking to earn some money while she went to school.  Did you know that there is at least one organization that helps single mothers financially in many ways?  And if there's one organization then there maybe another one and another one and on and on........

As I have mentioned many times before there are programs that help pay at least part of a person's student loan(s) but each program is different in their requirements and you have to find out if you are eligible to apply. 

The whole "grant" process involves a lot of work and research and once you have found the grant programs you still have to read them thoroughly to make sure that you are eligible to apply.  You also have to understand the fact that there is no one kind of "daycare" grant program.  Each and every grant program has different requirements and guideline - there is no "one stop" grant program for daycare.  Which brings up the point of you having to additionally know that the grant programs that you do qualify to apply for will depend on the TYPE of daycare that you want to open.  You have many questions to answer - including whether your daycare will be a for-profit, non-profit or both.  Which also brings up the fact that you may be eligible for other types of grant programs including those for entrepreneurs/for-profit businesses.  There is even a grant program that awards a $500,000.00 grant (over a period of time) to people to help pursue their dreams.  So don't just look for "daycare" grants - find the grant programs that you are eligible to apply for!

Regarding your question about daycare.  Basically speaking almost any one can start a daycare.  It's being a LEGITIMATE daycare that is going to require finding out more about.  Every state may have different requirements and there is no getting around the fact that you will have to find out what the requirements are for your area.  This is not a too hard thing to do as I have found out - you just have to do the work to find the information.

As there is no "one" grant program for daycare there is no "one" grant website.  (And you're not including the grant programs that don't yet have a website but they do have a phone number and a mailing address).  Grant programs are offered by the government, foundations, organizations, businesses and even individuals - which means that there is no "one" site that could possible have all grant programs listed.  (This doesn't even include the fact that you're counting out new grant programs and whether or not the current grant programs are still - well - current).

Saturday, August 05, 2006

Grant Program(s) To Open a Hair Salon?

First you have to realize that for-profit startups have received grant monies and I note some of them on my page (I will put a link to my page at the bottom).

Number 2 realize that you are going to have to go in this with some information - meaning you have to have more than just the idea/dream!  There have been for-profit startups that have received grant funding because the program itself was for entrepreneurs and they submitted a businessplan - outlining costs, profit projections and just general overall information about the business they wanted to start and most importantly WHY they wanted to start their business.

I know of one grant program that awards a $500,000.00 grant (payable over a period of time) to help people pursue their dreams and as you can imagine there are a lot of people applying for it but you have to know the RIGHT way to apply for it.  I'm not talking about cheating or lying but just telling the truth.  If it has been a dream of yours to open your salon - say so.  Include the fact that you will be hiring people - and by the way there are grant programs for THAT as well!  All grant programs have requirements and guidelines that you have to follow in order to apply for them and the most cited reason that people don't get these grants (or aren't even considered for them) is the fact that they didn't fill out the application and/or didn't submit the right materials.  So you HAVE to know what you are doing.

Grantwriting is sometimes a misunderstood term because before you can write a grant you have to FIND the grant program offering the grant.  These grant programs are not alike and each have their different guidelines and requirements which means that you have to go over them with a fine tooth comb which means that there is going to be some effort and work involved.  People have applied for these grants on their own without having to use a grantwriter so that means that you would be able to do it on your own - its not impossible but it WILL require time and effort.  As the research I FIND the grant programs that you are eligible to apply for - there is the standard questionaire that has questions that are asked and have to be answered before I begin finding the programs because finding them can't be done blindly I have to have specific information so that I will know what kind of grant programs I will be looking for.  It is a (my) business and as such when you become a client a file is opened in your name.  You get ALL the information about the grant programs that you are eligible to apply for and that includes what requirements and guidelines have to be met before you can apply for them.  You get their contact information, their website and if I do not have or can not get a copy of their application then I give you the information as to where you can get it yourself.  It takes 30 days (for the basic one-time research)and I have given clients their own online site (if they request it) to chart the progress of the work.  After the 30 days you receive all the information in a .zip file that is emailed to you.  Once you receive the information you can then decide if you want to apply yourself, hire me as the grantwriter or hire another grantwriter.

Finding the programs comes first - then comes applying for them.

Also I want you to take a good look at the kind of business you want to start.  Did it occur to you that if you TRAIN people as well as provide the service you are eligible for more grant programs.  If you provide a community or educational aspect to your program you are eligible for yet more programs.  If you are a woman and/or minority you are eligible for yet still more grant programs.  Do not limit yourself.  Remember this is a business that YOU want to start and the more passionate that you are about it the more opportunities and resources you will have to make your business more.

I hope this has answered some of your questions.

Tuesday, August 01, 2006

Fan Mail - Help Becoming A GrantWriter

Hi Rose,

I have been reading your posts on Teacher.net and I went to your webpage for a browse. From what I see you are really good. Can you be my mentor???

I have always wanted to learn to be a grant writer. I have a BA in English and I am working on my MA in English right now. I am working as a technical writer but it is not very fulfilling. My unofficial job with family and friends is the researcher. I can find anything and I love it. I have been to several grant writing classes and seminars but I haven't actually written a grant. I am really chomping at the bit to do it. I have called and e-mailed a couple of local people through the volunteer center that need a grant writer so I will see what becomes of it.

I hope that we can at least talk back and forth about the basics, especially about the research part of it.

I look forward to your reply.


Thank you for your email.

Actually you have "hit the nail on the head" when you mention the word "research".  I believe that half of the work itself is the actually finding of the applicable grant programs.  This seems to be the problem that most people seem to be having.  They often get frustrated and angered to the point that they convince themselves that there aren't any programs that do exist.  Of course they are wrong and there is a lot of research that goes into finding these funding programs.

It is often suggested that grantwriters - when they first want to start out - do some volunteer work for some of their local non-profit organizations (although you could include individuals and for-profits as well).  You could find the funding programs that your local organizations are eligible for and notify them of your findings.  I don't know what results you have gotten so far with those you have written to but it is a very good place to start.  Another very good place to start would be with your family and friends.  Don't forget that grant programs (and funding) is not just limited to non-profit organizations.  There are programs to help individuals and families as well as for those that want to start their own (for-profit) business.  Your family, etc., are probably eligible for grant programs themselves and all it would take is for you to put your research skills in action and let them know of these funding programs.  So this would also be a very good place for you to start.

In fact you could turn this into a business of your own.  Have business cards and networking skills to help your business along.  Even having a website will be beneficial. 

It looks as though you are off to a very good start.

Wednesday, July 26, 2006

Grant Program Gone Bad?

Sometimes even the most well-intentioned grant program can go awry!  To help with providing security in schools a grant program was initiated to provide funds for schools to provide better security.  One school applied for this new grant right away and got a $75,000 grant to install digital surveillance cameras in their school.  However (as you might imagine) other schools also began to apply for the grant as well!  This provided a problem because theoretically speaking EVERY school would have been eligible to apply for this grant.  So now who decides which school would receive the funding and why would those chosen be chosen over other schools?  So in the end this grant program was cancelled )-:

This brings up a good point about grant programs in that there are new ones being created (and alas cancelled) all the time!  You really have to keep on top of this kind of information.

Saturday, July 22, 2006

How To Not Pay For A Grant

The surest way not to have to pay for a grant is to read everything about that grant (program) and make sure that you do not have to pay anything to get the grant. Most of the grant programs give grant awards without the recipient having to pay anything however it is always advisable to read everything that you can about each and every individual grant program that you are applying for.

There are also some social and public agencies that may be able to help you locate grant and funding programs. Some of them charge a fee and some of them don't.

Tuesday, July 18, 2006

Are there REALLY any grant programs to help you pay your bills?

The bottom line is this: Are there programs that offer financial assistance to help you pay your bills? Of course the answer is yes and I'm not talking about loans I am talking about GRANTS - where you do not have to pay the money back.

There are programs for helping with mortgage/rent and especially bills relating to utilities such as heating. There is one program I was involved in where the client got a brand new boiler system and did not have to pay for the boiler or the installation! - A $3,000 job some have told me.

Ironic as it may seem the simple fact that searching for this information will bring forth results a LOT of people get frustrated to the point that they stop looking or they may even be looking too hard! These programs do exist you just have to find them!

A VERY good case in point: There was a grant program to provide a student with $400,000.00. The student had to be an orphan and they also had to study to be an engineer! Do you know that that program is in danger of being scrapped because they can't find anyone to apply for it!

So you can make fun about these grant programs but they have been around for years. (and I won't even get into the subject of the ones that being created!)

Sunday, July 16, 2006

Making $5K A Month?


Good morning to you,  I saw your advice on the said site Business Ideal Cafe, and thought that you gave some very important insight into the world of grants.

I continued to read about you and discovered your Business Plan XXX.  Please tell me what it is about etc.  I am a african american consultant who is always looking for avenues of making money.

I look forward to hearing from you soon.

Regards,  J~

Someone emailed me and said that they wanted to be able to make $5K a month.  Of course they didn't include anything about themself or about the kind of work they would like to do - they just wanted to make $5K a month.  At first I thought that it was just a smart-alecky kind of email and I was going to dismiss it but my mind got to thinking.

There are 2 ways to make money - either you find a need and fill it or you take what you love to do and turn that into a business.  One of the  most profitable businesses is the onlin sex/porn industry and the reason?  Sex Sells!

My mind got to thinking about how one could start a business knowing this kind of information so I wrote a basic business plan for those that wanted to start their own business using their computer (& Internet access).  Each business plan is a step-by-step tutorial that has to be customized because certain information has to be updated or changed so that each person doesn't get the exact same businessplan.  And since this business plan has to do with the XXX industry that is why it is called BusinessPlanXXX.  Since it has to do with the XXX industry it is not for everyone.  But it is the answer to that smart-alecky emailer who wants to make $5K a month!

You can find out more about BusinessPlanXXX by going to my website at:


Can you get a scholarship(s) to attend art school?

Of course the answer is "YES".  Because of the work that I do I know this for a fact.  But what makes it more true is the fact that I just read about a student from India who won a scholarship to go to an art school here in the United States!  What makes this story even more inspiring is the fact that although the scholarship was very much appreciated it still fell short of covering the entire tuition.  Guess what?  The student submitted addition artwork that he did and HE GOT THE SCHOLARSHIP INCREASED!

Still think there is no funding out there!

Friday, July 14, 2006


I was posting on a message board asking about spammers.  As annoying as this is to people with email addresses some spammers actually make money at this.  (Why else would they do it?).

I remember a story on TechTV where they interviewed a woman spammer who sent out thousands of email spam a day!  She said the reason why she does it is because she actually gets customers this way!  Another story I read in the paper about a guy who made a lot of money by sending spam mail.  Not only did he make money by sending his spam, he made even MORE money from advertisers who wanted to advertise on his spam mail.  I guess the way that they look at it is that if they send thousands of spam mail they are likely to get a percentage of customers and even 1/10th of thousands could potentially mean a LOT of money! 

Even though you may delete or throw away that spam mail chances are you may actually get a customer or two if you send out enough of it.

Am I advocating spam mail?  No.  I hate getting it as much as everybody else.  And even with all the steps that have been added to get rid of spam mail you just can't seem to get rid of all of it.  Spammers find a way around it or just get a new email address.  Sometimes you can't even trace where the spam has come from!  So why does it still happen?  Because there is still a lot of money to be made.

PS - If you're thinking of starting your own spam campaign then you'd better be careful.  Many email accounts have been cancelled because of sending spam.  If you get enough complaints then your account could also be cancelled.

So what's the solution if you're trying to sell a product or a service?  You do it the right (and legitimate) way!

Just Starting Out? - What About Creating Your Own Flyer?

I think this is a very good idea for those that are just starting out and the only thing that I wanted to add was that you should if anything definitely make a flyer.  This is a very good way to start with something that you already have - which is your computer and some wordprocessing software.  Even though it may take longer I suggest that you first write out how you would like your flyer to look and then create it.  If you're wary about giving out some personal information don't add it. 

When you're starting out you want to build up a reputation and the best way to build up a good reputation is to provide good services with each customer that you get.  "Word of mouth" is the best advertising there is and when your customers are satisfied they will spread the word!

Tuesday, July 11, 2006

Today I'm Just Tired!

I got a LOT done yesterday.  I might have even overdone it a bit!

One of the things that you should be careful about when you work at home and/or have your own business is to not overdo it!  Time management and all that is very sound advice.

I also found out about a program in my local area that provides low-interest loans to those that are low-incomed but seeking to buy a car.  I happened upon this information quite by accident which just goes to show you that information can come from anywhere!  A lot of people have done searches looking for fundding programs so that they can purchase a car and I have just found another one.  This is for low-incomed families and you have to be employed for at least six months.

Saturday, July 08, 2006

Career As A Poet?

First of all the fact that you have been able to get customers for what you love to do (which was designing special occassion greeting cards) just shows that making a living at it is possible!

You have received many great replies and you should take them to heart!  Get your website up!  The one good thing about having a website is that you will be reaching a LOT more potential customers.  Yes you will have to build your website up and the way to do that is to identify your target market - which is who would be most likely to buy your products and then you go where they "hang out" and let them know that you are in business.  Do you know the old saying about looking for a job will be your job until you get a/the job?  The same thing will apply to you as well.  It's not enough to put up a website and expect people to come.  You have to work on your website to get people to come to it.  You have to remember that people will find sites when they go to search engines.  You want to be in the list of links that the search engines provide - its call SEO for search engine optimization - which simply means that you target your website to get the highest search engine ranking as possible.  This is something that also requires work but the more you do it the more better you get at it!

A while back someone posted (on another message board) about how dis-heartened they were because they wanted to start an on-line astrology business but they were becoming frustrated because either they got people that wanted free readings or they didn't get any inquiries at all.  When they posted their frustration to the board almost every reply was for her to "give it up".  Now I knew better than that but just to be sure I emailed a couple of on-line astrologers who were making a living doing the same thing that this person wanted to do and one of the replies that I got back was from an on-line astrologer who said the reason why she was making money on-line was because she had to "make it work" and that is exactly the same thing that you have to decide as well!

If this is something that you love to do/have a passion for then it will show in your work and people (as well as potential customers will see that) and besides getting more customers more options will become available to you.  There are syndicated poetry columns out there and you could be one of them.  You might even be asked to write a book or you could publish your own book!  You may get advertisers if you start some type of poetry site/newsletter kind of thing - income-making avenues will start to open up for you that you probably had never thought of.

Since you have experience with children you should also try to turn that into some type of tutor/counseling kind of thing - something which you could also do online.  There are many others who are doing this exact same thing online now and it would behoove you to check some of them out if for no other reason than to see that others are doing what it is you want to do and they are doing it successfully (and profitably) as well.

There are so many resources that you have available to you and I'm thinking mostly of your computer.  Now you said that you have created using your computer using clip-art and the like and I'm glad to see that you are using what your computer has to offer because a lot of people that want to start their own business don't.  But along with your computer you have Internet access which opens up the world to you!  Have you considered all the poetry competitions out there?  I'm not talking about the ones where you have to pay a fee but there are those where you don't have to pay a fee.  There are grants for poetry, competitions for poetry and there is even a handbook for writers which you should purchase because it has a list of what publications are seeking poetry and what their submission requirements are.  I'm sure that that is one resource that you didn't think of.  Have you considered songwriting?  That's poetry too!  I'm currently reading Patti Davis's biography and one of the things that she mentions in her book is the fact that since she wrote a song that appears on one of the Eagles albums she is still receiving royalty checks on that one song she wrote! What about giving speeches, seminars, poetry writing classes - things that you can also do online?

This brings up another aspect and that is copyrights!  You have to learn more about them!  Do you know how strong the need is for good songwriters is?  People pay good money for good songwriters and I'm sure that you have heard songs that kind of relate to the kind of poetry you write.

One last thing - the business aspect of running a/your business.  No matter how much you don't like or know about this aspect - you had better learn!  Even if you hire someone to do this aspect of your business you will want to know enough not to get taken!  How many celebrities or even other people have you read or heard about who have gotten taken by the very people they hired to take care of their business.  You're also may not be aware of the fact that there are a lot of deductions that business owners can take on their taxes - like supplies, equipement (including computers, etc.,)

I will end this very long post by saying that you have gotten a lot of great replies and you should take them to heart!

If you don't think you can't make a lot of money being a poet just look at Maya Angelou(sp?) or even Bob Dylan!

Remember no matter what it is that you want to make a career out of someone is already doing it or doing something similar to it and has become very successful at it.

Make your business fun!

The saying is true.  You are only as limited as you think you are!