Water for Gas to Run Your Car on Water

July 20, 2011 Muhammad Talal General, Tax Leave a comment   , , , , , ,

Before You Read a Word on How to Run your Car on Water
Watch this Video Proof that this Works 100% !!!

Now this video is 3 years old when this technology wasn’t wide spread and unfortunately, the inventor was murdered by Oil & Gas Curtails. But now, certain other individuals have worked on this project and have been successful.

Continue reading on as I’ll show you how you can Run your Own Car on Water and do it in less than $500.

5 Reasons Why You ‘MUST’ Run your Car on Water?

The idea of running your car on water within itself is an overwhelming one. Now before I show you how it works and how YOU Could Do it Too – let me give you the top 3 benefits you will get by running your car on water!

  1. You Instantly Save $2 or More per Gallon (50% – 70% cost savings)
  2. You Increase your Gas Mileage by 50-90% (I increased from 30 MPG to 85 MPG)
  3. You Make your Vehicle Environment Friendly – Clean & Green Emissions
  4. Unlike Gasoline / Diesel etc – Water is Abundant and Never Ending
  5. IRS Gives you 25% to 50% Tax Credit on Purchase Price of your Vehicle for using Alternative Fuel (IRS Tax Credit Details can be Found Here)

Here’s How it Works

In principle, a water fuel cell takes water and splits the Hydrogen and Oxygen while releasing Oxygen into the atmosphere and burning Hydrogen.

It can burn Hydrogen alone to run your car complete on water (if you use a high capacity device) or it can use Hydrogen as a mixture with your gas to run your vehicle. Results are increased mileage by 50-90% and reduced gasoline costs.

Additionally – you also improve your engine’s horse power (as hydrogen is the most powerful fuel) and make your car emit greener and environment friendly emissions.

The only reason this technology isn’t wide spread as it should have been is the monopoly and stakes of the Oil, Gas & Energy Giants. You know how it is. But that shouldn’t stop us from doing the right thing which is in our best interest – and also in the best interest of the economy, environment and our vehicles.

My Story & How I did It?

Not very long ago, while the gasoline and petroleum (for fuel) products were still expensive – I somehow still managed to afford running my 1800 cc Toyota Altis on petrol. It used to give me a fair enough mileage of about 30 miles per gallon of conventional fuel. I was okay with that.

Until one day – I saw a video on Youtube that showed a man i.e. Stanley Meyer running his car (famous as Dune Buggy) on water. More astonishingly, his car ran 100 miles per gallon by using a fuel cell that merely took water and separated the water molecule into Hydrogen and Oxygen. And then burning the hydrogen to run the engine while releasing Oxygen in the atmosphere as an emission.

I was shocked at his discovery and began to dig out more. Soon I found out, that he was harassed and threatened by Oil & Gas Monopolies around the world and eventually murdered for not bowing before their wishes – same as what happened to Nicola Tesla who aimed at giving Free Electricity to the world using his Free Energy Devices.

It was about two and a half years back and I couldn’t find anything more on this technology. However, just a few months back I saw some youtube videos that showed certain individuals around the world have successfully replicated the technology of Stan Meyer and have made this HHO Fuel Cell.

This pleasantly surprised me and I decided to do everything to put this device in my car as well. I didn’t care whether I had to make one for myself or purchase one.

Here’s another video that removed all my doubts and “I WAS IN” for this 100%:

Upon further research, I found that you could either make a strong enough hydrogen producing fuel cell and do a couple of electronic modifications in the car to run car on water entirely – OR – you could use an affordable and moderate fuel cell to run your car on a mix of Hydrogen along with the gas and improve your gas mileage from 50% to 90%.

When I researched on where could I buy an HHO Fuel Cell (preferably a dry cell as it is very compact in size) – mostly I found websites that were offering HHO Kit Plans so that I could make a fuel cell myself. I sure knew I could do that but I preferred buying a professionally designed and tested HHO Kit to run my car on.

I found a very few companies that were offering this device and that was too expensive i.e. starting from $950 to $6000 and more. That was ridiculous !!!

However, I was extremely lucky to find out a company that offered an HHO Fuel Cell that could run 99.99% of motor vehicles on water – while improving their gas mileage by 70-90%. And the best part, it was extremely affordable i.e. $300 – $400 range.

Nevertheless, I installed it on my car (as it came with very simple instructions on how to do it) and viola – I’ve increased my mileage from 30 MPG to 85 MPG. That is more than double the mileage I was already having.

How You can Do it Too?

After months of research – I’ve found only 3-4 real and valuable resources on how you can do it too. You have two options to make your car run on water:

DIY – Do it Yourself

If you are a little savvy and want to do it yourself, here are the top 3 resources where you can buy inexpensive detailed plans and build an HHO Kit yourself :

  1. Pro Gas Saver – Visit Now
  2. Punch HHO Dry Cell Plans -
    Visit Now (Best Value)
  3. Simple Hybrid System – Visit Now

Buy An HHO Kit

You would normally get an HHO Kit / Dry Cell in $1000 to $5000 range depending upon the make and requirements of your vehicle  - however – now you could get it in less than $500 (wholesale price) from these extremely “Little Known” sources:

  1. HHO Kits Direct – Visit Now
  2. Punch HHO – Visit Now

[VIDEO] Who Smashes The American Dream?

March 14, 2011 Muhammad Talal Business & Finance, Debt & Credit, General, Home & Housing, Tax, Work & Employment 4 Comments , , , , , ,

Hi its Talal. Today, I wanted to share with you some of the most incredible yet simple concepts – without comprehending which, it is virtually impossible to move forward with the “Life Game” or “Money Game” so to say.

Isn’t it so ridiculous that we spend our whole lives running after money & more money – yet we don’t even “Really” grasp the mechanisms behind it nor do we know its true origins as such. Life has been made to appear fast-paced and we don’t even have time to dig into all that. Right?

Although incredibly simple, this concept has took many of us too long to really understand; as in “Feeling a Real Connection” with this concept. The truth is, this [MONEY GAME] is designed in such a way so to ensure that no one really wins it – no matter how hard you try.

Why? If you ask me. Because Money has No Intrinsic Value Any more! The worst part is, that it is designed in a way that we cannot truly feel something wrong about it that easily, even if we try to. And this ensures we keep living in the same system day in and day out, accepting it as an eternal part of our reality – whereas the actual reality is far too different!

So back to the video above, this video is terrific, I must say. It puts all the “MUST KNOW” money principles in a silver platter for us to comprehend. And unless we comprehend this whole game, we cannot win it. Because to win the [MONEY GAME] and to live The American Dream, we have to play the game from OUTSIDE of it – not from within!

Yes, that’s the only way you could win the game and live the dream. To understand this more, try reading biographies of all the billionaires in the world in the recent past and present, and you will notice how they think, act and feel totally opposite towards the commonly accepted “Realities” about money.

Realities, that are implanted in our minds through a vast array of propaganda to make sure we remain ignorant of its real mechanics and can never master it. And they’re in fact quite affective in doing so.

The “Real Reality” so to say is this -> A recently growing and popular field of study known as “Neuro Economics” ties up man’s psychology, neurology and the understanding of economics together – has made an astounding discovery. And that is: A HUMAN’S MIND IS NOT WIRED TO UNDERSTAND THE MONEY!

Because it’s UNNATURAL – Highly Unnatural for us to understand this artificially designed game of money. The truth is, the way money works is not the way it is supposed to work. And that’s the root cause of the problem.

So I hope you enjoyed the video above and really took some breakthrough concepts from it. I won’t say you stand up and start revolting against the banks right away, but yes we must wake up, keep vigilant and open our eyes to everything that surrounds and affect any aspect of our lives.

Only this way can we start our journey towards real freedom. God Bless American Public – God Bless Humanity (If there’s any left in this world)!

Secret of Making Money by Government Auctions

February 13, 2011 Muhammad Talal Business & Finance, General, Home & Housing 1 , , , , ,

Making money in government auctions is quick and can easily be done by anybody. Having the right resources and taking time to do some basic research will certainly double your chances of getting an incredible deal at a government auction.

The first information that you should have before thinking about making cash is to know exactly what type of government auctions are available to you.

There are two main categories of auctions.

  • Seized Property Auctions and
  • Surplus Auctions

Seized property auctions consist of many different levels-criminal seizures, tax seizures, customs seizures, police seizures, sheriff sales, and tax sales.

Government gets a fairly steady flow of properties, vehicles, jewelry, electronics, and much more from many different sources. They can confiscate a criminal’s stolen assets, take control of items that were trying to be smuggled via an airport or sea-route, or capture any asset that was not paid for via government taxation.

Surplus property auctions on the other hand are in essence a tool for local, state, or federal governments to sell items that aren’t any more useful for them. These items can range from goods to automobiles to properties and so on.

Now surplus auctions are a great opportunity for general public. It allows people to bid on items that they might need for their personal use or as an investment to further sell and make profit.

For example, if the U.S. Military has a new issue or model of a Hummer that they are willing to introduce throughout a specific branch of military, they might have a surplus of older model Hummers that they want to get rid of.

This is exactly where your role begins. At this surplus auction, you have an incredible opportunity to win these items and essentially rake-in a profit. Only if you know the right place to flip the item.

After you have identified which auction is suitable for your requirements, you must then take a decision on the type of assets you like to bid on in that auction. Now one key point to remember. Before you bid on any item in an auction, you must have a good understanding of the item you’re bidding on. What I mean to say is, that you shouldn’t take a Hit-And-Run approach in the dark.

Research is key to having this understanding and securing a great deal. If you are looking to bid on a car for instance, then make sure you know everything there is to know about that specific make and model of the car. This will surely set you up to make a much more informative bid on the auction day.

Keeping notes on the item you’re bidding on greatly helps. If you go into an auction with no prior knowledge of the item, you might end up purchasing that asset for its retail value or you may even overpay for something you initially thought you could get a deal on.

If for example you are looking to bid on a car at a government auction. Doing your homework will ensure that you land your dream car for much less then what it’s actually worth. Check everything about recent sales of this vehicle. Check the Kelley Blue Book value and Carfax report. You may also want to check other auction venues, such as eBay, and find out exactly how much this specific model is selling for at online auctions.

Your motto should be “Setting a Price Limit for Yourself” while making a bid on a government auction. Keeping a price range in your mind and sticking by those numbers at all costs, will definitely help you cash in a profit.

A common sale at government auctions is property. Winning a property auction can be your ticket to securing a huge deal. No matter if you want a new home for yourself, or just want it for investment purposes, research is your key to a real profit. Before you bid on a property, find out precise details about it. Find about its area, size, number of rooms, and value etc.

If you take your financial decision using your head and not your emotions, you could end up getting a home that you never thought you could own in your current financial condition. But some crucial questions bust me answered to make sure you hit a good deal. Do I have enough money for the initial down payment? Will I mortgage this property? Are the taxes too high for my living arrangements? Is there resale value in this property? Consider all your options before making any rush decisions.

There are others at these auctions – so keep you eyes and ears open at all times. Missing a bid or a piece of information might decrease your chances at scoring your desired item.

Here’s a secret key that almost always works. Be there early, and you will have far fewer people to battle with at these auctions. Also, another secret to snag a good deal is to wait for the end of the day auctions. People mostly exhaust all their money and efforts in earlier auctions. So staying late is highly beneficial more often than not. Only if you are seriously looking to make money that day.

Another thing to remember, YOU HAVE THE POWER TO STEER THE AUCTION not the Auctioneer! So don’t be fooled!

Lack of experience may be harmful and you also might fail the 1st time, but doesn’t matter. Go there with an “Exploratory” mind and be ready to fail as quickly as possible. Because the earlier you fail, the quicker you’ll make the necessary adjustments that will prevent you from future failures.

Again, Research – Re Research and Re Re Research =) It will appear to be difficult the 1st 2,3 times and then everything will go seamless!

Wondering where to find these Government Auctions? You can click this link in order to Find Government Auctions Near You!…

Cash Advance Loans Bring Solutions, Peace of Mind

January 31, 2011 Muhammad Talal Debt & Credit, General 1 , , ,

The need for a cash advance is pretty common these days. Hardworking Canadians find that, from time to time, an emergency expense will drain their bank account of loonies days or weeks before the next paycheck arrives. If there are still some vital expenses that need to be paid, the paycheck cash advance is one of the most reliable methods of managing them.

Advance cash advance loans against a person’s next paycheck offer borrowers several advantages:

Very little time is required. Now that you can transact a cash advance loan request online, the time necessary to get such a loan is cut from hours to minutes. Most cash advance borrowers find they can complete the application in under 20 minutes, just the thing someone could do from their desk during lunch.

Fast answers. Because timing is everything, a feature of online cash advance loans is that you can get a customer service representative to answer questions in real time by email, online chat or telephone (usually – sometimes, certain of these services are unavailable in some areas from some lenders).

Ability to pay bills in one day. Just as important as it is to get answers and file an application quickly is the need to get cash as soon as possible. An online cash advance almost always comes with a next-day delivery of money. The money is available instantly, once it is in your checking account, therefore you can begin using it right away – less than 24 hours after you complete an application.

What should be apparent with any cash advance loan is that it has a psychological benefit as well. No one likes nagging phone calls from creditors. And no one wants to be short on cash when there are essentials to be purchased. With a cash advance loan comes a peace of mind, that these are not problems you need to endure.

If you are a working person, you deserve the dignity and respect of being paid for your work. With a cash advance loan, that dignity is restored along with peace of mind.

Government Grants for Individuals – The Fact & The Fiction

November 25, 2010 Muhammad Talal Business & Finance, General 5 Comments , ,

Government grants for individuals enable people from all walks of life to receive free money / assistance / subsidy / benefits etc, that never has to be paid back (at least in most cases). Although in order to request this money, you must have a very specific purpose in mind, yet, at the end of the day, it can really be used for your personal reasons.

There exist hundreds of government grant programs that are backed by the government and private foundations. These grants for individuals can help you make downpayment on a home, get out of debt, pay your mortgage, repair your home, start a new business, pay home energy bills, go back to school and much more. The biggest grant money checks, however, seem to be awarded to Non Profit Organizations and to Small Businesses that are into Research & Innovation of Technology.

Other Small Business Grants are essentially government backed Micro Loans, available on lowest interest rates, easy repayment terms and no strict credit checks or any collateral requirements. Now you might be wondering why is it that a normal small business doesn’t get a grant check or a direct cash in hand for business startup or expansion? There’s a very simple logic behind that. First, government cannot afford to give cash grants to every other person who wants to start a new business. Second, it becomes virtually impossible for the government to verify the correct usage of funds, if it starts awarding checks or cash.

So government rather provides these grants to some non profit small business financing companies, to enable them to offset the high cost of loan acquisition, and adjust the grant amount in the government business loan being awarded. This makes the business loan much more affordable, far cheaper than a conventional bank loan, something that can be obtained at easy repayment terms as well as even with an average credit and no collateral

No matter how the grant is awarded, whether awarded as cash, check or a subsidy, once you have the money, you will never be required to repay it. You must, however, use the funds exactly for the purpose that was mentioned in the grant application. If you are caught using the grant funds for reasons other than those that are allowed under the provisions of that grant program, you may have to pay the penalties as well as the grant money back.

Any American citizen can apply to get government grants for individuals. As long as you are at least 18 years of age, you can search the free grant sources, find program that matches your requirements, and submit your request for Checking your Eligibility for your desired Grant Program. In as little as 7 days you could be cashing free government grants for individuals. How much you receive totally depends upon the policies and the budgets of the funding agencies.

Get Free Grant Money today. Simply search the website to see what funding programs are available for individuals in your area. If you qualify, you could have cash in hand in as little as 7 days.

Government Grants for Single Mothers – Housing, Living Expenses and Medical Care

April 15, 2010 Tim General 4 Comments , , , ,

A single mother carries a double responsibility of performing her role of mother in addition to the father role. Fortunately there are government assistance programs for single mothers through various sources.

A single parent has a harder task than any two parent family. Most of the single parent household heads are females. Many single mothers have not had the opportunity to get a good education nor enough housing.

Read more ›

Top 7 Small Business Mistakes to Avoid

March 27, 2010 Muhammad Talal General 4 Comments , , , ,

Most new small businesses will be out of business within a few years. This is a bitter truth. While it is relatively easy to start a new venture, it requires far more to succeed in business. There are 7 commonly made mistakes by small business owners. And these are exactly the ones, you need to AVOID.
Read more ›

How Government Grants Work?

March 8, 2010 Muhammad Talal Business & Finance, College & Education, Debt & Credit, General, Home & Housing, Medical & Healthcare 11 Comments , , , , , , , , ,

Most of us seem to be having confusions about various government grant programs that are available for general public. While there are hundreds and thousands of grant programs available out there, aimed towards various target audiences, yet the major ones can be divided into 4 categories namely:

  • Housing Grants
  • Small Business Grants
  • Education Grants
  • Medical Grants
  • Miscellaneous Programs

So I summed up my knowledge of the major grant categories and their sub-categories to define and clarify the purpose, scope, functionality, general eligibility and framework of each of these programs in a manner, that a common man can easily understand them.

Housing Grants

Homebuyer Grant / Downpayment Assistance Program

A homebuyer grant usually comes in the form of a down payment or closing costs assistance, which means that the homebuyer has to apply for a government backed mortgage program that is prevailent in his/her state (which usually is a below market & fixed interest rate, easy terms and conditions and government insured mortgage program i.e. government guarantees the monthly mortgage payments on behalf of homebuyer in case of his/her unwilling unemployment or other financial problems).

After the applicant is found eligible for the Homebuyer Program, he/she automatically qualifies for a downpayment assistance which can be given with slight condition of completing a Free Homebuyer Education class / course. This downpayment assistance can be given in following forms, depending upon each state’s Housning Authority’s policies:

  • A fixed non-repayable amount e.g. $5000 or $10,000
  • A percentage e.g. 5% of the total house cost
  • A defered payment, zero interest 2nd mortgage
  • Elimination of downpayment requirement

Home Renovation / Repair / Rehabilitation Program

A home improvement / repair / renovation grant program usually comes in the form of a grant which is mixed with a loan in various ways. A person looking for home improvement assistance has to apply for a state sponsored, home improvement / repair loan program. A portion of interest payments is forgiven or bore by the government which results in reduction of interest rates on the loan, as compared to a conventional bank loan.

In some states, a home improvement grant comes in the form of a zero-interest loan program, which means all the interest is forgiven / paid by the government on behalf of the homeowner looking for repairs. Where as, in other states, a home improvement grant comes with a portion of the funding as a non-repayable grant, and the other portion of it is repayable.

Yet there are few states and counties, where a home-improvement grant is purely a grant, and doesn’t require to be paid back. But again, there can be various limitations / conditions attatched to it. There are very few states, who do not have a home improvement grant or loan program, in such states, a homeowner has no option but to acquire a conventional bank loan for making home improvements.

Mortgage Payments Assistance / Foreclosure Prevention

A mortgage payments or mortgage lowering prgram is usually refered to as a “Loan Modification Program.” A Loan Modification is the retooling of an existing loan made by a lender in response to a borrower’s long-term inability to repay the loan based upon the original terms and conditions.

Loan Modifications typically involve a reduction in the interest rate and/or principal balance of the loan, an extension of the length of term of the loan, a different type of loan or any combination of the three. A lender will consider modifying a loan because the cost of doing so is typically less than the cost of default

At times, certain cities, counties or states as well as some other non-profit organizations, having received Community Development Block Grant or some other program funds, may also be able to provide a one time mortgage payment assistance for eligible applicants who are delinquent on their mortgage. But this type of assistance is not very common.

Rent Payment Assistance Programs

Rental assistance programs provide rental vouchers to assist with rental payments, rental properties, and/or assistance with security deposits. Normally, each state administers its programs and services through a network of organizations, and does not fund individuals directly. MYGRANTS can help you identify the list of participating foundations and agencies in your area – who can be contacted to assist you with rent payment assistance.

There are usually two forms of rental assistance programs:

1. Each state maintains its Public Housing Units, that are government subsidized apartments, where low-income citiznes / families can apply for living, at a subsidized or low monthly cost, and under certain conditions, this low cost can also be eliminated alltogether.

2. In second case, the applicants are put on a waiting list, and once their turn comes, they have the freedom to choose their own property / home / appartment they want to rent (provided the home meets certain government limitations / regulations), and then the government assists the renters get the apartment / home at a below market rent cost. In certain states, this Rental Assistance Program also gives the renters, the opportunity of either Rent-to-Own program or Homebuyer Assistance Programs.

Home Weatherization Assistance

A home weatherization program is sort of a mini house repair program, which allows only for specific repairs like heating / pipelines / electric cables / lead paint etc. The sole aim of a weatherization program is to make a home energy effecient and reduce the monthly home energy bills.

Home Energy Assistance Program (HEAP)

Each state provides bills payment help to its income-eligble citizens and families, to assist with their fuel needs, heating and cooling needs. This program usually helps applicants pay their electric energy, heating or cooling and / or other utility bills.

Rural Homebuyer and Home Repair / Rehab Programs

The Rural Housing Service provides a number of homeownership opportunities to rural Americans, as well as programs for home renovation and repair. RHS also makes financing available to elderly, disabled, or low-income rural residents of multi-unit housing buildings to ensure they are able to make rent payments.

It is however important to note that while rural housing programs work more or less in the same way as that of urban housing programs, they may offer additional leverage by providing a portion of funds as a complete or partial non-repayable grant to certain income and/or age eligible homebuyers and homeowners.

Housing Assistance for Elderly and Disabled

The Public Housing Program is one of several Federal Rent Assistance Programs established to provide decent and safe rental housing for eligible low-income families, the elderly, and persons with disabilities. Public housing comes in all sizes and types, from scattered single-family houses to high-rise apartments for elderly families.

The U.S. Department of Housing and Urban Development (HUD) administers Federal aid to local Housing Agencies (HAs) that manage the housing for low-income residents at rents they can afford. HUD furnishes technical and professional assistance in planning, developing and managing these developments.

There are approximately 1.3 million households living in public housing units managed by some 3,300 HAs, which, within Federal guidelines, set eligibility standards and determine rent payments.

Veterans Housing Grant / Assistance Programs

Veterans or service members who have specific service-connected disabilities may be entitled to a grant from the Department of Veterans Affairs (VA) for the purpose of constructing an adapted home or modifying an existing home to meet their adaptive needs. The goal of the Specially Adapted Housing (SAH) Grant Program is to provide a barrier-free living environment that affords the veterans or servive members a level of independent living he or she may not normally enjoy.

There are two types of grants administered by VA, which are available to assist severely disabled veterans or service members in adapting housing to their special needs.

The Specially Adapted Housing Grant is available to severely disabled veterans or service members who are entitled to a home especially adapted for their needs due to loss of mobility. Under this entitlement, a temporary grant (TRA) may be available to veterans who are/will be temporarily residing in a home owned by a family member.

The Special Housing Adaptations Grant is available to veterans or service members who are entitled to home adaptations due to blindness in both eyes with 5/200 visual acuity or less, or includes the anatomical loss or loss of use of both hands. Under this entitlement, a temporary grant (TRA) may be available to veterans who are/will be temporarily residing in a home owned by a family member.

Affordable Housing Developers’ Assistance Programs

Each state’s Housing Finance Agency (HFA) offer financing to for-profit and not-for-profit developers to encourage the construction and preservation of affordable housing in communities across the state. In some states, mortgaege insurance is also offered to lenders of low-income & multifamily housing.

Business Grants and Financing Programs

Small Business Innovation and Research (SBIR) Grant Program

This is probably the only pure grant program offered at federal and state levels, meant for for-profit businesses. However, this non-repayable grant program si offered only to businesses, that are interested to carry out researches and projects, resulting in innovation and enhancement of technology.

Foundation Grants or Grants for Non-Profit Organizations

Foundation grant programs are administered on federal, state, county and city level by the government as well as other private foundations. Foundation grant programs are only meant for Non-Profit organizations and for a very few For-Profit organizations as well, that are carrying out a public / general welfare project.

These grants can be given to any non-profit organization working in social, defence, educational, research, medical, music, arts, religious or any other sector of general public interest / welfare.

These grants are non-repayable however, they are striclty monitored by the grantors to evaluate the performance of the grantee organization, and to ensure the right and legal use of funds.

Small Business Microfinancing Programs

For all other businesses, that are already operating or looking to start, there are government backed and private foundations’ backed Micro Loan and Financing programs, that are very viable and affordable as compared to conventional bank loans.

These Small Business Financing programs are also best options for minorities, women, disabled and other people who do not have strong enough credit score to be able to obtain bank loans.

Some Government Backed Business Loan programs under certain conditions are also converted to defered payments, zero-interest loans, thus saving a siginificant amount of money for the borrower.

Government also provides tonnes of free facilities, like free management training, free marketing and other business informational resources that can significantly help the small business owners guide their businesses on a highly profitable track.

Financing Available:

  • Upto $35,000 for business start-up
  • Upto $50,000 for business expansion

Government Backed Large Business Loans

SBA offers 2 very popular government guaranteed / backed business financing programs, namely SBA-7A and SBA-504 programs. These programs offer financing upto very high limits for large business projects. These programs are usually used for acquisition of land / building / machinery / equipment and for working capital and other business needs. These programs also require collateral against the financing to secure the loan funds.

Financing Available:

  • SBA 7A Offers upto $700,000
  • SBA 504 Offers upto $2,000,000

Education Grants and Scholarship Programs

Federal Student Aid (FAFSA)

These grants are free to apply for, and are commonly refered to as Federal Pell Program or FAFSA. These programs provide financing to continue your education based on various factors including financial situation, educational standing, grades / performance etc. You can simply apply for FAFSA by logging on to www.fafsa.ed.gov

Other Educational Grants / Scholarship Programs

Beside Federal Educational Grant Program (FAFSA), there are hundreds of other non-repayable educational grants and scholarship programs that are administered by each state, educational institutions, private foundations and certain corporations. One can easily qualify for such programs, as they are mostly given on the basis of financial needs and not solely on the basis of educational performance.

Medical Grant Programs

Disability Insurance Program

Disability Insurance Programs have the “basic objectives of providing for the material needs of individuals and families, protecting aged and disabled persons against the expenses of illnesses that could otherwise exhaust their savings, keeping families together, and giving children the opportunity to grow up in health and security.”

Cash Disability Benefits

Monthly cash benefits for qualifying disabled workers; needy, blind or disabled individuals; disabled widow(er), or disabled surviving divorced spouse; disabled son or daughter. Also offers vocational rehabilitation assistance.

Medicare Program

Medicare is a Health Insurance Program for people 65 years of age and older, some disabled people under 65 years of age, and people with End-Stage Renal Disease (permanent kidney failure treated with dialysis or a transplant).

Medicaid Program

Medicaid provides medical care to the poor, to children and to pregnant women living under the federal poverty level. It is funded jointly by the states and the federal government.

Medicaid was established in 1965, at the same time as Medicare, under Title XIX of the Social Security Act. It was designed to assist low-income families in providing health care for themselves and their children. It also covers certain individuals who fall below the federal poverty level. It covers hospital and doctor’s visits, prenatal care, emergency room visits, drugs and other treatments.

Other people who are eligible for Medicaid include low-income children under age 6, low-income pregnant women, Supplemental Security Income recipients, adopted or foster children, specially protected groups, children under age 19 whose family income is below federal poverty level, some Medicare beneficiaries and other groups, as determined by each state. Most families who receive welfare probably have a social worker assigned to them, and this person will usually advise a family on its Medicaid eligibility. Many doctors will also be able to inform their patients about Medicaid.

Veterans Health Benefits and Services

The VA provides a broad spectrum of medical, surgical, and rehabilitative care to its customers. Our goal is to share information about these benefits and services to make it as easy as possible for you to receive the care you need.

Childcare Financial Assistance

Government offers financial assistance for low income families who have trouble paying for childcare. If you meet certain income guidelines set forth by your state, you may also qualify for childcare grant program.

Miscellaneous Programs

Temporary Assistance for Needy Families / Cash Assistance (TANF)

Temporary Assistance for Needy Families ( TANF ) is part of the American welfare system, and is designed to get funds into the hands of poor families with children in order to assist them with rent, food, and medical care.

This type of assistance is only provided to very low-income families and is a temporary assistance, with its sole purpose to help the citizens under financial hardships, while constantly trying to help them stand on their feet once again and become financially self-sufficient.

Debt Reduction Assistance Program

Although there are no grants available to help pay off your credit card or other debt like personal loans, doctor bills, lawyer bills, student loans etc, yet there’s a very popular program called a “Debt Relief or Debt Reduction Assistance Program” that is administered by various non-profit organizations that are catering many states.

Under this program, the applicant’s debt is negotiated by the debt reduction foundation with the borrowers’ creditors to get the debt amount reduced by 40% to 60% thus making it easily affordable for the borrower to pay off his/her debt and become debt free, while saving thousands of dollars which would otherwise have been paid, in settlement of debt.