Everyone has heard about the stimulus bill and knows there is a lot of money being given away by our government. I think the number is about 787 BILLION dollars that this administration is handing out to anyone who is smart enough to get it.
That is the problem: you have to be smart enough to understand what is being given away or in a position to receive it. If you want to see the government's website on how the money is being distributed you can go to Recovery.gov. There is no doubt that it is a slick website but it is totally overwhelming to the average Joe. There is no way that a simple person like you or me will be able to gain any useful knowledge from that website.
If you want to get some of the Obama stimulus money in the form of a grant, the site directs you to the Grants.gov. There again, if you do a keyword search for what you need a grant for, you will be totally confused with all the differnt grants and information that comes up. Most people want to keep things simple and they need college grants, business grants, back to school grants, medical grants, or they just need money. I think if you go to the site you will find that nothing is as easy or as clear as that.
There are so many Obama grant scams because of this very fact: the govenment grant process is totally confusing and you almost need to be a lawyer to figure it out. Many times, poor people or people who are down on their luck are the ones searching for grants. These are the very people that will find it the hardest to understand grants and how to apply for them. This is why the grant scammers can make money because they have easy targets in these people who need help.
It is quite clear that average people are not going to profit much from this stimulus bill. The ones who are making money are big companies and other entities that are in a position to get grants and loans and know how to apply. For you and me though, getting Obama stimulus grants is just a fantasy.
DEBT RELIEF GRANTS
With debt so high in this country, folks are trying to locate debt relief grants to get them through the tough times. But does something like that really exist?
When you go online and do a Google search for grants for debt relief, you don't find anything specific. All you find are some spammy websites and some articles that really don't tell you anything or lead you anywhere productive. This lead me to believe there is no such thing and anyone looking for a government program for debt forgiveness is going to be disappointed.
What you can find are private debt consolidation companies that will work with your creditors and hopefully lower the interest rates you are being charged. When you owe lots of money, sometimes the credit card companies will work with you and give you a better payment schedule and interest rates. The thinking here is that they would rather have some money from you than risk maybe getting nothing at all.
People who declare bankruptcy end up being creditor's worst nightmares because they often get nothing from them. Instead of getting nothing, if persuaded, they will sometimes agree to work with you in hopes that you will eventually pay the money back. This is what credit consolidation companies do: they work with your creditors to get better terms for you.
The government does not have any agency like this or any debt relief grants that can give you money to help get you by until you find a job or are in a better financial position. People still look for government help though, as they think the government is the solution to all their problems.
When you go online and do a Google search for grants for debt relief, you don't find anything specific. All you find are some spammy websites and some articles that really don't tell you anything or lead you anywhere productive. This lead me to believe there is no such thing and anyone looking for a government program for debt forgiveness is going to be disappointed.
What you can find are private debt consolidation companies that will work with your creditors and hopefully lower the interest rates you are being charged. When you owe lots of money, sometimes the credit card companies will work with you and give you a better payment schedule and interest rates. The thinking here is that they would rather have some money from you than risk maybe getting nothing at all.
People who declare bankruptcy end up being creditor's worst nightmares because they often get nothing from them. Instead of getting nothing, if persuaded, they will sometimes agree to work with you in hopes that you will eventually pay the money back. This is what credit consolidation companies do: they work with your creditors to get better terms for you.
The government does not have any agency like this or any debt relief grants that can give you money to help get you by until you find a job or are in a better financial position. People still look for government help though, as they think the government is the solution to all their problems.
OBAMA MOMS BACK TO SCHOOL
I wrote a post here about the Obama back to school grants for moms that so many people are looking for. My conclusion was that there is nothing new that is specially set aside for school grants from this new President.
He has raised the Pell grants cover by about a $1000 and there are some tax benefits too that you can get for part of the tuition cost. Other than that, there is nothing really specific or new from Obama regarding new grants or new loans.
If you are looking for some Obama moms back to school grants, there is a free drawing every month for a $10,000 scholarship. It is totally free to enter and all you have to do is sign up for it. They have additional drawings every month and actually you don't have to be a mom to win. All you have to be is 18 or older and it is 100% free to sign up - Scholarships 4 Moms.
Any moms return to school program sounds great but my research shows there isn't any such specific program. (if I am wrong please leave a comment and let me know) Getting a job right now is hard so it is a good time to return to college (if you can afford it) and finish your degree. If you are able to do that, by the time the economy picks up, you will be better equipped to get a job with your completed education. You might be able to use an Obama grant or loan to go back to school but it seems there are no such things, at least at the present time.
He has raised the Pell grants cover by about a $1000 and there are some tax benefits too that you can get for part of the tuition cost. Other than that, there is nothing really specific or new from Obama regarding new grants or new loans.
If you are looking for some Obama moms back to school grants, there is a free drawing every month for a $10,000 scholarship. It is totally free to enter and all you have to do is sign up for it. They have additional drawings every month and actually you don't have to be a mom to win. All you have to be is 18 or older and it is 100% free to sign up - Scholarships 4 Moms.
Any moms return to school program sounds great but my research shows there isn't any such specific program. (if I am wrong please leave a comment and let me know) Getting a job right now is hard so it is a good time to return to college (if you can afford it) and finish your degree. If you are able to do that, by the time the economy picks up, you will be better equipped to get a job with your completed education. You might be able to use an Obama grant or loan to go back to school but it seems there are no such things, at least at the present time.
GOVERNMENT GRANTS ARE HARD TO UNDERSTAND
With the election of a new president this year, more people than ever are looking for Obama government stimulus grants. They hope that there is more grant money available for personal financial assistance and they want to know where to go to get it.
Just like almost everything the government is involved with, not only is there a lot of red tape you have to cut through but the whole grant process is very confusing to a normal person. The main government website is Grants.gov and if you go there and start poking around, your head may begin to spin.
On this page here about who is eligible for a grant, you find out that you must go to another website if you are seeking a personal grant or student loans. It seems the grants.gov site is just for businesses and state governments hoping to get grants and not for individual people. Who knew?
There are several other websites listed and lots of confusing things that lead you to one page after another. Any person on that website who is looking for a personal grant or Obama back to school grants for moms is likely going to leave without any clue of what they need to do. You see, in order to understand that website and the whole grant process, you almost have to be a lawyer or someone who is highly educated. The government never makes things easy and understanding grants, who they are available for, and how to apply for them is something that is not clearly explained.
Government stimulus grants were not designed as personal grants for everyday people and there is little stimulus money that is allocated for that purpose. If you do want a grant for your business, your home, your education or any other personal reason, it is going to be very difficult for you to understand exactly what is available and where to go to try and get it. This is just another typical government puzzle that we all have to muddle through to get on with our lives and try to make it better.
Just like almost everything the government is involved with, not only is there a lot of red tape you have to cut through but the whole grant process is very confusing to a normal person. The main government website is Grants.gov and if you go there and start poking around, your head may begin to spin.
On this page here about who is eligible for a grant, you find out that you must go to another website if you are seeking a personal grant or student loans. It seems the grants.gov site is just for businesses and state governments hoping to get grants and not for individual people. Who knew?
There are several other websites listed and lots of confusing things that lead you to one page after another. Any person on that website who is looking for a personal grant or Obama back to school grants for moms is likely going to leave without any clue of what they need to do. You see, in order to understand that website and the whole grant process, you almost have to be a lawyer or someone who is highly educated. The government never makes things easy and understanding grants, who they are available for, and how to apply for them is something that is not clearly explained.
Government stimulus grants were not designed as personal grants for everyday people and there is little stimulus money that is allocated for that purpose. If you do want a grant for your business, your home, your education or any other personal reason, it is going to be very difficult for you to understand exactly what is available and where to go to try and get it. This is just another typical government puzzle that we all have to muddle through to get on with our lives and try to make it better.
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