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I am now receiving $295.00 weekly from unemployment, all the bills are not being paid, and I am in trouble with both business and my personal bank accounts. I have to deposit money in the business bank or they will close it.
I need help with my utilities, rent, and I want to find a way to receive some type of help with funding the business until it can run on its own.
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It looks like you are carrying around a big load on your back right now. I am sorry that things are not going too well for you. It is great that you are trying to carry on and be responsible for past problems. We all get in trouble and the trick is how long we can stay there to work it out. Things can be worked out and I am sure there are programs listed below that will be of some help.
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) 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) 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) 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
-Millionaires Over 65 Get 20% Off Gas BillsAssistance Programs, Philadelphia Gas Works, Philadelphia, PAhttp://www.pgworks.com/assistanceprograms/index.htm
-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
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 Ohio, apply to Ohio Housing Finance Agency, 57 East Main Street, Columbus, OH 43215; 614-466-7970; http://www.ohiohome.org/programs.htm.
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 Ohio, contact the Ohio Department of Job and Family Services, 30 E. Broad St., 32nd Floor, Columbus, Ohio 43215-3414, 614-466-6282 or at http://jfs.ohio.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
Over 1,000 local non-profit offices offer free money and help to improve your life in almost any area. Although these agencies do get money from the federal government, they also get money from other sources, and as a result, no two of these offices are exactly alike. But most all of them help in the area of employment, bill paying, child care and self employment. The following is a sample of programs you will find when you contact an office near you. Along with the program, we also identify the local agency providing this program. These programs are specific to these areas. Check with your local office to see what they offer.
Get a $3 grant for every $1 you saveCommunity Action Partnership http://www.managingmymoney.com/
Free Cars, if you pay repairs and registrationCAP Agency Shakopee, MN http://www.capagency.org/pages/service.htm
Free Crisis Nursery, up to 73 hours of overnight care and 10 days day careCAP Agency Shakopee, MN http:// www.capagency.org/pages/service.htm
Eviction PreventionTEAM, Inc Derby, CT http://www.teamcaa.org/housing.htm
$10,000 to start a businessCommunity Action Program, Inc of Western Indiana http://www.capwi.org/new_page_9.htm
$700 for child careCommunity and Family Services, Inc. Portland, IN www.comfam.net/pages/childcare.html
$350 for an air conditionerCity of Des Moines, Iowa http://www.ci.des-moines.ia.us/departments/CD/Comm%20Serv/L-I%20Assist%20Programs.htm
$1,000 to repair your furnaceCity of Des Moines, Iowa http://www.ci.des-moines.ia.us/departments/CD/Comm%20Serv/L-I%20Assist%20Programs.htm
To find a community action agency near you go to: http://www.communityactionpartnership.com/about/links/map.asp or contact Community Action Partnership, 1100 17th St NW Suite 500, Washington, DC 20036; 202-265-7546; Fax: 202-265-8850; www.communityactionpartnership.com; Email: firstname.lastname@example.org;
The Federal Trade Commission has many publications to get you on the road to good credit and can also tell you your rights in dealing with collection agencies. Contact Public Reference, Room 130, Federal Trade Commission, Washington, DC 20580; 877-FTC-HELP; www.ftc.gov.
You can also get free counseling at your local County Cooperative Extension Service listed in the government section of your phone book under County Government. Or contact one of the non-profits that can help with your debt:
National Foundation for Credit Counseling801 Roeder Rd., Suite 900Silver Spring, MD 20910800-388-2227www.nfcc.org
Credit Counseling Center of AmericaP.O. Box 830489Richardson, TX 75083800-493-2222www.cccamerica.org
Remember that these non-profits get money from credit card companies so they are not likely to explain your bankruptcy options to you. And make sure no one charges you money for their services.
There are a number of national groups that provide free money and services through a network of local offices. Check each of the groups below and see what their local offices have to offer.
1731 King St., #200Alexandria, VA 22314703-549-1390www.catholiccharitiesinfo.orgOver 14,000 local organizations offer a variety of services for many different community problems, including child care, elderly services, emergency financial services, rental assistance, and more. To find an office near you go to their main web site and see "Need Assistance? Find A Local Agency?" and put in your state.
615 Slaters LaneP.O. Box 269Alexandria, VA 22313703-684-5500www.salvationarmyusa.org/Families in need can receive a wide range of services including, utility assistance, transitional housing emergency food, clothing, and more. For an office near you, contact the headquarters above or http://www.redshield.org/.
701 North Fairfax St.Alexandria, VA 2314703-836-7112 www.unitedway.orgThe United Way is a national organization that raises money for thousands of local non-profit organizations that offer money and services to people in their community. Your local United Way can identify non-profits in your area that may offer the resources or services you are looking for. To find a local chapter, go to the web site and enter your zip code under "Find A Local United Way."
There are 2 major sources for finding money from these groups:
A. The Foundation Center of New York City maintains a database of all foundations that provide money to non-profit organizations or individuals. Their information is available on the web at http://fdncenter.org or from their participating libraries by contacting 212-620-4230 (or they are also listed on the website).
B. The Guidestar Company in Williamsburg, VA also maintains a database of foundations and they can reached at 757-229-4631 or at www.guidestar.com. Much of their database is accessible for free on the web.
There are a number of national volunteer organizations around the country that offer grants and other free services to solve problems for people in their community. The Lions Club awarded over $340 million in grants since they started, and the Kiwanis Clubs give out over $100 million every year.
Find your local club for each of the organizations below and contact them for information on their programs. If they do not have an ongoing program that specifically suits you, you can ask if you can send a letter of request for their consideration. It can't hurt to ask. We've used these clubs in this way to help people in our "Show Me The Money Contest."
These organizations run programs that offer money for:
3636 Woodview TraceIndianapolis, IN 46268-3196USA317-875-8755http://www.kiwanis.orgFind a local Kiwanis club: http://www.kiwanis.org/clubloc/
P.O. Box 7Tulsa, OK 741021-800-JAYCEEShttp://www.usjaycees.org/Find a local Jaycees chapter: http://www.usjaycees.org/chapter_links.htm
300 W 22nd StreetOak Brook, IL 60523630-571-5466 ext 356http://www.lionsclubs.org/630-571-5466 ext 356Find a local lions club: http://www.lionnet.com/united_states.html
There are many programs specifically aimed at helping people with low-income or bad credit and want to start a business. These programs are available because the data show that they work. The Aspen Institute Self-Employment Learning Project studied 405 low-income people who started their own business and found that 53% were able to use their business to get out of being low-income. These businesses also had better survival rates than the average business traced by the U. S. Small Business Administration (SBA). See http://www.microenterpriseworks.org/about/factsheets/factsheet1.pdf.
There are hundreds, and probably even thousands of national and local programs around the country to help low-income people become self-employed or start businesses. The list below represents a starting place to find the help you need. To locate additional sources, contact your local library or see our publication, "Free Money For Entrepreneurs" at www.lesko.com.
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 by 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. Contact: Corporation for Enterprise Development, IDA Network, 777 North Capitol Street, NW, Suite 800, Washington, DC 20002, 202-408-9788, Fax: 202-408-9793, http://cfed.org/programs/idas/
Money is available for women entrepreneurs in under-served urban communities who do not qualify for credit with conventional lenders. Contact: Women's Venture Fund, Inc., 240 West 35 Street, Suite 501, New York, NY 10001, 212-563-0499, Fax: 212-868-9116, Email: email@example.com, http://www.wvf-ny.org/
There are special offices in every state that will help any kind of business. Make sure you touch base with these to see what kind of money and help may be available to you.
* Ohio Department of Development77 South High StreetColumbus, OH 43215-6140614-466-3379 or 800-848-1300Fax: 614-463-1540www.odod.state.oh.us Women's Business Resource Program: Assistance for start-up, expansion and management of businesses owned by women; assures equal access to state business assistance and lending programs; direction to purchase and procurement opportunities with government agencies; researches legislation that may impact businesses owned by women; and increases start-ups and successes of women-owned businesses. No charge.
* Ohio Small Business Development Center77 South High Street, 28th FloorColumbus, OH 43216-0101614-466-2711 or 800-848-1300Fax: 614-644-5167www.odod.state.oh.us/edd/osb/sbdc/Email: firstname.lastname@example.orgThis office can provide information and expertise in dealing with state, federal, and local agencies. They also have information on financing programs and other services offered by the state government.
Be sure to personally contact each of the sources presented above. See if you can talk to someone about your specific problem. The more you talk with people the more you will get from the program. People are human (sorry) and they will relate to you and want to help you if you let them. This can become a people business. The nicer you are to these people the nicer they will be to you. That's on average. There are always nasty people in the world no matter how nice you are to them. Keep remembering that these people have the power to help you and they get the same paycheck whether they help you or not. So give them a chance to help you.
Your objective is to get an application to fill out or to get another potential source from these people if they cannot help you directly. So if they can't help you, before you hang up you ask, "Do you know of any other officers or programs that might help?"
DON'T hire a grant writer if you have problems filling out any application for money. All you have to do is contact the office handing out the money. It is their job to help you with any problems you have. If, for some reason, they are not helpful, contact the local office of your U.S. Congressman and/or U.S. Senator and ask them where you might turn to for help. They should know non-profit organizations in you area that can help.
Wow. You are probably tired just from reading all this, and you haven't even started any of the real work yet. That's the problem with life nowadays. It's a lot bigger and complicated than it used to be. When I grew up in the 50s there used to be just one place to turn to for help, and that one person seemed to know it all. Now times have changed. No one person knows everything anymore. Life's become so complex. Even I, who has been studying money programs for over 25 years, and am likely to be the best one in the country at it, still don't feel like I know it all.
You can't trust a "no" answer anymore. No, just means that they don't know anything. It seems that success in this world goes to those who don't take no for an answer and find a way to solve the problem no matter what the experts say. The experts are wrong too many times to trust them completely.
It's fun to continue to learn new sources of help and new skills for finding money. I always believe that the sources you identify this time and don't use will be of value to you some time in the future, but you just don't know it yet.
I hope our sources give you some help. Hang in there, it's a big world and there are lots of sources waiting to help you, but they won't come looking for you, you have to go looking for them.
Matthew LeskoEntrepreneur and Best Selling AuthorInformation USA, Incwww.lesko.com