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I have been in the healthcare field for some time. I have been educating myself to trade actively in the stock market which would be a home based business ideally. I would use the grant for funding of my account and for employing my wife. We would be without health insurance for our 3 person family and probably little to no income for some time during the initial period of getting this endeavor going. Any hope?
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Dear Mr. J:
Wow. You do have a tough one here. And I will try and help you as much as I can. I understand that having your own business is one of the most rewarding things you can do in life. It allows you to contribute to the world as much as you possibly can and do it in a way you would like to do it and not how someone else wishes it should be done. It gives you flexibility in life and if you are looking for money, it is the surest way to make money in our country. About 70% of the working millionaires in the USA got that way by starting their own business.
I am not aware of any money available that is set aside to finance a stock market trader. This is a risky business and most organizations do not offer that kind of money. Now, if you were interested in providing a service or a product that would be a different story. You can even set yourself up as an independent health provider. But if it's a stock market trader you want to be let me suggest some places that can help.
If you need help with any kind of legal, marketing, finance or management problem the following sources are there to help you for free or for very little. They have about 1,000 offices around the country, so look for an office near you:
Over 500,000 Businesses are Assisted by Small Business Development Center Programs on an Annual BasisStart-up and existing businesses can receive referrals to business experts, training in information access techniques, an equity financing course, educational assistance, and more. To find a center near you contact the following: Association of Small Business Development Centers, 8990 Burke Lake Road, Burke, VA 22015, 703-764-9850, Fax: 703-764-1234, Email: firstname.lastname@example.org, www.asbdc-us.org
Your state also has a lot of help for all kinds of hurdles you may encounter for starting or expanding a business. So be sure to contact them to see how they might help.
* Virginia Department of Business Assistance707 E. Main Street, Suite 300Richmond, Virginia 23219804-371-0438, 866-248-8814 Fax: 804-371-8111http://www.dba.state.va.us/
Members of the Association for Enterprise Opportunity provide free and low-cost assistance and training, as well as financial assistance, to underserved populations who want to start a business including "people with low incomes and welfare recipients."
The U.S. Department of Labor has a program where people can use their unemployment money to become an entrepreneur. It is called "Self Employment Assistance Program."
There are over 1,000 Community Action Agencies across America and 39% of these offices provide help to low-income people who want to start or expand a business. Their programs include "Be Your Own Boss" and "Start a Home Day Care."
The Community Development Venture Capital Alliance is an association of over 100 venture capitalists who want to advance the livelihoods of low-income people and the economies of distressed communities through entrepreneurial activity.
The program called Individual Development Accounts (IDA) gives low-income individuals who would otherwise not be able to save money the chance to save faster with the government matching $8 for every $1 you put into a saving program. The money can be used for housing, starting a business or education.
The Community Development Financial Institutions Fund of the U.S. Department of the Treasury provides business loans and venture capital to people in low-income neighborhoods who would otherwise not have access to funding. To find funding sources near you contact the following:
Count Me In makes loans of $500 to $10,000 available to women across the country who have no where to turn for their first business loan. The Make Mine a Million Business Program offers mentoring and financing to women business owners and a dream team creates the roadmap businesses need to grow from a micro to a million dollar enterprise. First place winners receive loans up to $45,000 from Count Me In, a year of mentoring from a team of business advisors and an OPEN American Express Business charge card. Runners up receive loans up to $20,000.
Maybe you were just laid off and haven't found a new job yet. Or that unexpected auto repair bill had to be paid or you wouldn't be able to get to work. Or you have an unexpected health bill that had to be taken care of. There are many programs on the local level that offer emergency rent money when you are facing difficult times. To find programs you may qualify for in your area you must search: 1) your city or township government, 2) your county government, 3) your state government, 4) local non-profit agencies and local development corporations, and 5) as well as your utility company. Make sure you check with all of the following offices for help in locating appropriate organizations in your area: 1) your local library, 2) your local elected officials, 3) your local United Way, and 4) all housing agencies in your area. Local government offices can be identified at www.govengine.com and your local United Way can be identified at http://national.unitedway.org/myuw/. Listed below is a sampling of similar local programs around the country. You can also contact you local area office on aging by calling 1-800-677-1116 or go to http://www.aoa.gov/eldfam/How_To_Find/Agencies/Agencies.asp
Listed below is a sampling of the types of programs that are available around the country. These are obviously only for these areas, but we wanted you to see what kinds of programs exist.
-$750 For One-Time Emergency Need For Seniors With Up To $31,150Expanded Rent Assistance Collaboration Program, Seattle, WA http://cityofseattle.net/humanservices/csd/survivalservices/Erace.htm
-$97,000 Given for Emergency Rent and Utility AssistanceCross-Lines Cooperative Council, Inc., Kansas City, KS,http://www.cross-lines.org/
-Emergency Money To Pay Rent Assistance, Security Deposits, Moving Costs, Last Months Rent, and Cleaning DepositsHousing Assistance Program, Aging and Disability Services, Portland, ORhttp://www.co.multnomah.or.us/ads/
-Six Emergency Rent Programs In HoustonCommunity and Economic Development Dept. Harris County Texas, Houston, TX, http://www.cedd.hctx.net/HRC_Emergency_Rent_Mortgage.htm
Heating bills are going up and the winter months can create financial havoc with a senior's utility bill payments. There are many programs around the country that help people financially and legally from having their utilities turned off. To find programs you may qualify for in your area you must search: 1) your city or township government, 2) your county government, 3) your state government, 4) local non-profit agencies and local development corporations, and 5) as well as your utility company. Make sure you check with all of the following offices for help in locating appropriate organizations in your area: 1) your local library, 2) your local elected officials, 3) your local United Way, and 4) all housing agencies in your area. Local government offices can be identified at www.govengine.com and your local United Way can be identified at http://national.unitedway.org/myuw/. Listed below is a sampling of similar local programs around the country. You can also contact you local area office on aging by calling 1-800-677-1116 or go to http://www.aoa.gov/eldfam/How_To_Find/Agencies/Agencies.asp You should also seek out your local community action agency near your to see if they have a program to help you. You can find your local agency at www.communityactionpartnership.com/about/links/map.asp or by contacting Community Action Partnership in Washington, DC at 202-265-7546
A lot of Local Utility Programs can be identified on the web by going to www.hud.gov then choose your state under the title "Information by State." Most state pages have a link called "Renting Help Page." Click there even if you are a home owner. Most Rental Help pages have a link called "Help With Your Utility Bills" which describes programs for both renters and homeowners.
Listed below is a sampling of the types of programs that are available around the country.
-$200 For 60 + Who Face Shut Off or Not Fuel, Care and ShareAmerican Red Cross/Niagara MohawkCortland, NY, http://cortland.redcross.org/e-utility.htm
-Payments Made To Utility Companies To Avoid Shut OffCharlotte Neighborhood Development/Crisis Assistance Ministry, Charlotte, NC, http://www.charmeck.org/Departments/Neighborhood+Dev/Housing+Services/Energy+Assistance.htm
-$500 To Pay Utility Bills for Seniors Making $22,453Utility Emergency Services Fund, Philadelphia, PAhttp://www.uesfacts.org/about.html
-Hardship Funds For People Who Fall Through The CracksPennsylvania Public Utility Commission, PA, http://www.puc.state.pa.us/general/consumer_ed/energy_asst_progs.aspx
-Up To $500 in 5 Funds To Stop Utility Cut OffsMid America Assistance Coalition-Managed Utility Funds, Kansas City, MO, http://www.maaclink.org/utility_individual_funds.htm
- Money For Seniors Who Don't Qualify For Government ProgramsShare The Warmth Program, Oklahoma Natural Gas, OK, https://www.ong.com/residential/customerprograms-sharewarm.jsp
There is a large collection of hundreds of programs around the county offering money or discounts to help people pay their utility bills. Although most of the grant programs have income limits, there are discount programs that have no income limits. To find programs you may qualify for in your area you must search: 1) your city or township government, 2) your county government, 3) your state government, 4) local non-profit agencies and local development corporations, and 5) as well as your utility company. Make sure you check with all of the following offices for help in locating appropriate organizations in your area: 1) your local library, 2) your local elected officials, 3) your local United Way, and 4) all housing agencies in your area. Local government offices can be identified at www.govengine.com and your local United Way can be identified at http://national.unitedway.org/myuw/ . Listed below is a sampling of similar local programs around the country. You can also contact you local area office on aging by calling 1-800-677-1116 or go to http://www.aoa.gov/eldfam/How_To_Find/Agencies/Agencies.asp You should also seek out your local community action agency near your to see if they have a program to help you. You can find your local agency at www.communityactionpartnership.com/about/links/map.asp or by contacting Community Action Partnership in Washington, DC at 202-265-7546
-Seniors Making $24,400 Can Get $280 DiscountEnergy Assistance Program Rate, Sacramento Municipal Utility District, Sacramento, CA, http://www.smud.org/residential/bill/eapr.html
-50% Discount For Seniors 65+ Making $31,992Utility Discount Program, Mayor's Office for Senior Citizens, Seattle, WA, http://www.cityofseattle.net/humanservices/mosc/utility_discount_program.htm
-25% Discount On Water, Sewer, And Solid Waste For Seniors Making $19,248Low Income Assistance Program, Tacoma Power, Tacoma, WA, http://www.ci.tacoma.wa.us/power/ResidentialServices/low_income_assistance.htm
-Pay Only 10% Of Income If Income Less Than $19,245Percentage of Income Payment Plan, Public Utilities Commission of Ohio, OH, http://www.puco.ohio.gov/PUCO/Consumer/information.cfm?doc_id=93
-Pay No More Than 6% On Utilities If Income Under $24,464Universal Service Fund New Jersey Board of Public Utilities, NJ, http://www.bpu.state.nj.us/home/USFQA.shtml
States that don't have direct funds for treatment often make arrangements with other facilities to provide treatment for free. If your screening has been done elsewhere, you can still receive free treatment under this program. Men diagnosed with breast cancer can also receive free treatment. Contact your county office of public health listed in your telephone book or your state Department of Health. You can also contact the main office of this program at Division of Cancer Prevention and Control, National Center for Chronic Disease Prevention and Health Promotion, Center for Disease Control and Prevention, 4770 Buford Highway, NE, MS K-64, Atlanta, GA 30341-3717, 770-488-4751; 888-842-6355; Fax: 770-488-4760; www.cdc.gov/cancer/nbccedp/
A government study shows that there are a number of screening and immunizations that are recommended for seniors, but both seniors and doctors are unaware they are covered by Medicare. Nine out of ten seniors visit a doctor once a year, but don't know that Medicare will cover immunizations for Influenza, Hepatitis B, and Pneumococcal, as well as screenings for cervical cancer (pap smear), breast cancer (mammography), vaginal cancer (pelvic exam), colorectal cancer (fecal-occult blood test), colorectal cancer (flexible sigmiodoscopy or colonoscopy), osteoporosis (bone mass measurement), prostate cancer (prostate specific antigen test and/or digital rectal examination), and glaucoma. ---Income Eligibility Requirements: None
Uncle Sam wants women and kids to have healthy food. The Women, Infant and Children (WIC) Program's mission is to safeguard the health of low-income women, infants, and children up to age 5 that are at nutritional risk by providing nutritious foods to supplement diets, information on healthy eating, and referrals to health care. WIC foods include iron-fortified infant formula and infant cereal, iron-fortified adult cereal, vitamin C-rich fruit and/or vegetable juice, eggs, milk, cheese, peanut butter, dried beans or peas, tuna fish and carrots.
In addition to the regular WIC program, a majority of the states have chosen to operate the WIC Farmers' Market Nutrition Program (FMNP), established in 1992, it provides additional coupons to WIC participants that they can use to purchase fresh fruits and vegetables at participating farmers' markets.In Virginia, contact Virginia Security of Health and Human Resources, 1- 804-786-7765 or go to http://www.hhr.virginia.gov/. For the national office, contact WIC, www.fns.usda.gov/fns/ --Income Eligibility Requirements: $35,798/Yr for a family of 4
Even if you are not approved for the U.S. Department of Energy's Weatherization Assistance Program, you might still be eligible for short-term assistance on your utility bill from the Low-Income Home Energy Assistance Program (LIHEAP). Funded by the U.S. Department of Health and Human Services, LIHEAP offers heating and cooling subsidies and energy crisis intervention to assist in weather-related or fuel supply shortages and household energy-related emergencies, such as utility shutoffs.
In Virginia, apply to Virginia Housing Development Authority, 601 S. Belvidere Street, Richmond, VA 23220, 804-782-1986; http://www.vhda.com/vhda_com/front_page/default.asp. For the national office, contact Office of Community Services, Division of Energy Assistance, Administration for Children and Families, U.S. Department of Health and Human Services, 370 L'Enfant Promenade, SW, 5th Floor West, Washington, DC 20447; 202-401-9351; toll-free 866-674-6327; www.acf.dhhs.gov/programs/liheap --Income Eligibility Requirements: up to $28,418 for a family of 4
Most every state has grant money to train their workers. Many big businesses take advantage of this money, but most small businesses have no idea it's there. Workers don't realize that they can tell their bosses or prospective employers about this program so they can get the job they want or the raise they deserve. In Virginia, contact Virginia Department of Labor and Industry, 13 South Thirteenth Street, Richmond, Virginia 23219-4101, 804-371-2327 or at http://www.doli.virginia.gov/.
To contact the national office or to find your local one-stop career centers in your area, contact: Employment and Training Administration, U.S. Department of Labor, Room N-5426, 200 Constitution Ave., NW, Washington, DC 20210; 202-693-3580; One-Stop Career Center Locator at http://www.servicelocator.org/ ---Income Eligibility Requirements: None
I know I gave you a lot of stuff here that may or may not be very relevant right now. But as you continue to peruse your dream these can come in handy. There is certainly help out there to do anything that you can dream about. You may not wind up with your original idea, but you will wind up with something better, because the market and the world will guide you to what you really should be doing if you keep your mind open as you investigate opportunities. Remember that it took Thomas Edison more than 2,000 tests to find the right filament for the light bulb. When asked if he felt "downhearted" after testing 2,000 and still failing, he said he believed he was making a lot of progress because he now knew of 2,000 thing that don't work. Without this attitude we would still be reading by candlelight.
Keep pursuing your dream and I hope what we found helps.
Matthew LeskoEntrepreneur and Best Selling AuthorInformation USA, Incwww.lesko.com