Business author Fred Hess is telling all - revealing little known sources of free government help for small businesses. Everything from advice, counseling services and publications, loans, loan guarantees, financial incentives and much more, all free for the asking. Hess has just finished updating the 6th edition of his book revealing 100 of his "secret" sources for getting free help from Uncle Sam. He gives the names, addresses and details on government sources that specialize in small business assistance. "Many small businesses are eligible for free assistance, services, even loans, and grants," says Hess, "but they have no idea how or where to find this free help. Uncle Sam offers everything from advice to assistance for women business owners wanting to sell to NASA, to grants, loans, and financial incentives." Included in the sources are 100 government agencies that purchase from small businesses and government programs that offer financial help, services, export assistance, publications, free help for women and minorities, loans for teenagers, special help for handicapped business owners, etc., all listed with names, addresses, telephone numbers and descriptions for easy reference. New in this 6th edition is live website links that can take you directly to the referenced site being discussed.
The secrets of government loan programs, guarantees, and grant programs are revealed here, along with ways to cash in on giveaways for existing enterprises and individuals who dream of owning their own business.
It is a long-held perception that America is a nation where the government typically stays out of day-to-day business activities. Yet the U.S. federal government is in many ways the biggest and most influential financial institution in the world, with $10 trillion in federal guarantees and loans going to the private sector. Even before recent implementation of massive interventions meant to stave off financial calamity, the federal government directly or indirectly provided significantly more credit than any of the country's largest private sector banks. And, of course, the government's credit activities have recently expanded far beyond this core of traditional programs in the face of economic crisis. What does the true picture of this sector look like, and how does it affect the overall economy? Uncle Sam in Pinstripes is an accessible primer on U.S. federal lending, providing an instructive look at one of the most important interfaces between the U.S. government and its citizens as well as the transactions that result. Douglas Elliott's introductory chapter makes clear the critical importance of federal credit programs and hints at some of their complexities. The remainder of this book fills in the details—the how, what, why, and the ramifications—allowing readers of all stripes to understand the history, current state, and key policy issues surrounding federal credit provision. No picture of the U.S. economy is complete without a fuller understanding of this increasingly important sector. There is considerable evidence that taxpayers are not receiving the value for money that they should. The author believes that a number of steps should be taken to increase the effectiveness and efficiency of federal credit programs. These are explained in the final chapter and include the following actions, among many others: • Target borrowers more carefully. • Take into account more fully the relative risk of different loans. • Use the same budget rules for all federal credit programs. • Use risk-based discount rates for federal budget purposes. • Create a federal bank to administer all credit programs.
Personal care, newfound energy, and a revitalized appearance remain invaluable commodities among consumers. Learn the ins and outs of starting a successful business in one of today’s hottest industries: salons and day spas. From laying the groundwork and establishing yourself in the marketplace to holding a grand opening and developing service policies, this step-by-step guide takes you from big-picture plans to day-to-day dealings in your new spa and salon. Plus, gain insight, advice, and tips from interviews with practicing hair salon and day spa owners.
Even as having a higher education becomes increasingly essential in the job market, the costs associated with attending a post-secondary institution continue to rise, making the prospect of paying for college seem daunting. By examining and breaking down the various financing and aid options available, this practical volume allows students to accurately assess their financial situations and to develop strategies to finance a college education. Offering tips on how to tackle the FAFSA form and covering the difference between grants and scholarships, the benefits of work-study, and much more, this volume is a valuable resource for anyone interested in pursuing a college degree.
From Columbus's Great Discovery to America's Age of Entitlement, Revised Edition
Author: Larry Schweikart
For the past three decades, many history professors have allowed their biases to distort the way America’s past is taught. These intellectuals have searched for instances of racism, sexism, and bigotry in our history while downplaying the greatness of America’s patriots and the achievements of “dead white men.” As a result, more emphasis is placed on Harriet Tubman than on George Washington; more about the internment of Japanese Americans during World War II than about D-Day or Iwo Jima; more on the dangers we faced from Joseph McCarthy than those we faced from Josef Stalin. A Patriot’s History of the United States corrects those doctrinaire biases. In this groundbreaking book, America’s discovery, founding, and development are reexamined with an appreciation for the elements of public virtue, personal liberty, and private property that make this nation uniquely successful. This book offers a long-overdue acknowledgment of America’s true and proud history.
Finding Grants, Government Loans, and Colleges That Are Free
Author: Jane White
Publisher: Pearson Education
Category: Business & Economics
This Element is an excerpt from America, Welcome to the Poorhouse: What You Must Do to Protect Your Financial Future and the Reform We Need (ISBN: 9780137020171) by Jane White. Available in print and digital formats. How to tame monstrous college costs: practical ways to protect your kids’ financial future--and your own! College can now sink anyone deep in debt, so your first plan of action should be to protect your kids from having their lives destroyed if they can’t make payments and wind up having their credit rating destroyed. Then, take these steps to lower your college costs....
Understanding Failure and Mergers During the Great Recession
Author: D. Chorafas
Category: Business & Economics
Banks, Bankers, and Bankruptcies Under Crisis uses case studies of failed banks, banks that would have failed without taxpayer intervention, and in some cases banks obliged to merge under government pressure, to better understand global banking today.
An Honest Look at Perpetual Debt and the Fiscal Slavery of the American Family from a Christian Perspective
Author: Bob Hopkins
Publisher: WestBow Press
Have you ever wondered why you, like most Americans, are broke at the end of every month? Are you a slave to the monthly payment? Do you believe that things in your life would be better if you only got that well-deserved raise? Are you stuck in debt and believe there is no way out and no other way to obtain lifes needs? Did you know one-third of your lifes earnings will go to your house payment as another third goes to pay taxes? Would you like a better way to look at personal finances that will set you free from the shackles of the modern system of debt? Then this could be the very thing you need, as the answers to these questions will be easily explained within. The key to wealth is to be debt free, as commanded by God. Where Did My Money Go? can lead you in that direction by teaching you how to become debt free and recognize the predators knocking on your door in a culture dripping with materialism. Take a journey into a new life free from the banks, finance companies, mortgage companies, college loan companies, and all the other wolves at your door who simply want to take your hard-earned dollar.
Your practical guide to scoring cash to fuel your real estate investments Want to be a smart, successful real estate investor? This no-nonsense guide contains everything you must know to make the right choices about financing your investments — from the various options available and the impact on cash flow to the tax implications and risk factors involved. You also get tried-and-true tips for surviving a down market and using current investments to finance future ones. A crash course in real estate financing — understand standard terms and concepts, learn the various sources of investment capital, and gather all essential facts and figures Weigh your options — decide which type of financing is best for your circumstances and incorporate it into your real estate investing plan Finance residential properties — evaluate residential loan programs, navigate the loan application and processing, and handle the closing Invest in commercial properties — know the different property types, choose the one that meets your investment goals, and discover unique sources for financing Tap into unconventional sources — discover the pros and cons of "hard money," capitalize on seller financing, partner to share risk and equity, and invest on the cheap with no-money-down deals Open the book and find: Real-world advice on financing without tying up all your capital How to get prequalified or preapproved for a loan Questions to ask your lender upfront Ways to avoid common beginner blunders How to protect your personal assets from investment risks Bargain-hunting hints for low-cost loans Strategies for surviving a credit crunch Ten pre-closing steps you must take
The Israel Lobby," by John J. Mearsheimer of the University of Chicago and Stephen M. Walt of Harvard's John F. Kennedy School of Government, was one of the most controversial articles in recent memory. Originally published in the London Review of Books in March 2006, it provoked both howls of outrage and cheers of gratitude for challenging what had been a taboo issue in America: the impact of the Israel lobby on U.S. foreign policy. Now in a work of major importance, Mearsheimer and Walt deepen and expand their argument and confront recent developments in Lebanon and Iran. They describe the remarkable level of material and diplomatic support that the United States provides to Israel and argues that this support cannot be fully explained on either strategic or moral grounds. This exceptional relationship is due largely to the political influence of a loose coalition of individuals and organizations that actively work to shape U.S. foreign policy in a pro-Israel direction. Mearsheimer and Walt provocatively contend that the lobby has a far-reaching impact on America's posture throughout the Middle East—in Iraq, Iran, Lebanon, and toward the Israeli-Palestinian conflict—and the policies it has encouraged are in neither America's national interest nor Israel's long-term interest. The lobby's influence also affects America's relationship with important allies and increases dangers that all states face from global jihadist terror. Writing in The New York Review of Books, Michael Massing declared, "Not since Foreign Affairs magazine published Samuel Huntington's ‘The Clash of Civilizations?' in 1993 has an academic essay detonated with such force." The publication of The Israel Lobby and U.S. Foreign Policy is certain to widen the debate and to be one of the most talked-about books in foreign policy.
Saving veterans and their families from months of phone calls and internet searches, Veterans Benefits For Dummies outlines the various programs that the VA and other government agencies have in place as well as the procedures for filing applications, claims, and appeals for these benefits which include: * Health care * Ongoing care for wounded and disabled vets * Education assistance * Vocational rehabilitation * Life insurance * Home loan guarantees * Pensions * Survivors' benefits * Burial benefits
Don't let your banker intimidate you! All toooften, loan applicants fall victim to this technique and lose their approvedpackage. Convince your banker to say, "Yes," with Get ThatBusiness Loan.Analyze your banker's business style and put it to work for you. Discoverthe personality traits and business characteristics of the six types of loanofficer: the Morale Booster, Doctor No, the Young Turk, the Mole, the Cash andCarry Boy, and Mother Earth.Learn what to include in your loan submission package and how to present itwith maximum effectiveness. Traditional banks and thrift institutions are nolonger the only alternatives for funding. Life insurance companies, mortgagebanking firms, partnerships, and commercial paper transactions are only a fewof the thirteen resources available to qualified applicants.Proper preparation for the loan interview is crucial. A thorough list ofdo's and don'ts will help you avoid the common pitfalls of presenting yourcase. Once the loan has been approved, the "seven deadly sins" canstill prevent your obtaining the cash. Whether you need one thousand dollars orone million, Get That Business Loan will help you get that vital capital.