Government Grants for All

Doris Day Animal Foundation Provides Grant To Muttville Senior Dog Rescue For Their Work In Rescuing Senior Dogs

Doris Day Animal Foundation Provides Grant To Muttville Senior Dog Rescue For Their Work In Rescuing Senior Dogs

San Francisco, CA (PRWEB) January 13, 2012

Muttville is proud to partner with Miss Day and her Foundation in providing education and material support to make high-quality no-cost adoptions to senior citizens.This generous grant will underwrite Muttville’s signature adoption program, “Seniors for Seniors,” bringing older dogs and senior citizens together. In recognizing the special bond between humans and dogs in their “golden years,” This grant of $ 7,000 will allow Muttville to defray the costs of approximately 25 “Seniors for Seniors”adoptions.

“When we learned about Muttville and its successful rescues of so many senior dogs, we knew we had to help,” Miss Day said from her home in Carmel, California. “We fund other charitable 501(c)(3) non-profit organizations that perform excellent work to help the animals and the people who love them. Muttville is a terrific group of volunteers doing good work, and we’re proud to be able to help.”

When Muttville adopts a senior dog into a household where at least one member is aged 60 or older, Muttville provides a “Welcome Home” kit, consisting of food bowls, a collar and leash, a doggie bed, plus a month’s supply of food and any necessary prescription medications. Additionally, Muttville offers senior-friendly home modifications, providing and installing needed improvements free of charge. These improvements can include doggie doors, baby gates, bed ramps, and sofa steps, making a new life together easier for dogs and humans alike.

Among the other grants Doris Day Animal Foundation has provided are funding for college scholarships, programs to aid senior citizens care for their pets, programs for rescue dogs, Kevlar vests for service dogs, rescues of greyhounds, run-sheds for horses, reduced adoption fees for seniors adopting senior pets, wildlife sanctuary assistance, and reduced cost spay/neuter programs as well as a feral cat TNR program, to name but a few.

The Doris Day Animal Foundation, http://www.ddaf.org, has the simple and straightforward mission of helping animals and those who love them. DDAF provides funding to other 501(c)(3) nonprofit organizations for animal welfare work with specific low-overhead programs, including animal rescue, lifetime care for search and rescue dogs, helping people care for their animals, assisting with care for horses, paying for spay/neuters and other animal-related needs.

About Muttville Senior Dog Rescue: Founded in 2007, Muttville is a non-profit, 501(c)3 organization dedicated to improving the lives of senior dogs. Muttville’s mission is to change the way the world thinks about and treats older dogs and to create better lives for them through rescue, foster, adoption and hospice. Locally, through associations with shelters and other animal organizations, Muttville rescues senior dogs and finds them new homes or provides hospice care. On a global level, Muttville provides information about caring for older dogs and support for people who do.

For more information on Muttville Senior Dog Rescue or to schedule an interview with Founder Sherri Franklin, contact:

Patty Stanton

patty(at)muttville(dot)org

http://www.muttville.org

415 871 8844

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Tags: Animal, Dogs, Doris, Foundation, Grant, Muttville, Provides, Rescue, Rescuing, Senior, their, Work

What You Need to Know About How Construction Loans Really Work

The loan process you follow when searching for a construction loan has some similarities to that of obtaining a regular mortgage. You will still be judged on your income, credit, savings and monthly debts just like a regular mortgage.

However, with a construction to permanent loan, there are a few additional factors that lenders consider. Since the home is not yet built, an “as-finished” or “as-completed” value must be established by a “plans and specs” appraisal.

When you go to get a mortgage on an existing house, you will also need an appraisal to establish the value and to insure that you are not paying more for the house than it is worth. With a home that is not yet built, this is doubly important. The lender needs to see what the projected home will be worth based on other homes that are similar in the immediate area.

Basically, for an appraisal prior to construction, you will deliver to your appraiser a set of home plans along with a list of materials you intend to use to finish the home, such as flooring, appliances, countertops, etc. Then, the appraiser will go to the vacant lot upon which you plan to build, and he will determine an appraised market value based on the recent sale of very similar homes in the immediate area.

In addition to the appraisal, the lender will also examine your proposed budget carefully to determine if there is enough money to build the home and if the builder (or owner-builder) is over-spending to build a home of that particular appraised value.

Each lender can have its own set of guidelines and parameters it uses to determine if you are under-budgeting or if you are over-budgeting. But, in general, the lender’s goal is to protect you and themselves from some potential disastrous scenarios: either an unfinished house or an over-built home in a market that won’t support the price.

Therefore, think of your construction loan as requiring two sets of approvals. First, you must be approved as a borrower. Second, the project you wish to build must be approved based on the appraisal and budget.

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And, typically, the qualifying guidelines, especially for owner-builders, are more stringent than for regular purchase mortgages. This is for two very simple reasons: risk and supply/demand.

There are thousands of loan programs out there for buying a house. You can have good credit, bad credit, low income, high debt or any number of other variables and still qualify for a purchase mortgage.

But the choices are more limited when building a home. Construction loans (and owner-builder construction loans in particular) are more risky for lenders. This is why not all lenders offer them. And, it is why those who do offer them can set tougher qualifying standards and be more particular about who they give their money to.

Risk, along with supply and demand, determines all mortgage pricing.

Remember that construction loans in general, and owner-builder loans in particular, are more complex than typical purchase mortgages. They will require more time to prepare for on your part.

And, they will take longer for your lender to process and get you to closing than normal. So prepare appropriately. If you understand the process before starting, and set your expectations accordingly, you will have a much more pleasant loan experience.

In fact, when considering the timeline required to close on a construction loan, keep in mind that many times the lender is forced to wait on you, the borrower. Often, the slowest part of construction loan planning involves waiting on the blueprints and the budgeting.

The underwriting of the loan cannot really begin until the blueprints and budget are complete. So, the lender is often forced to wait for the borrower to complete these items. This is not a bad thing. It is just an important point to remember when planning for your overall construction loan timeline.

Speaking of planning for construction loans, here is one last important point that you may not have considered yet. As the mortgage market has drastically changed nationwide over the last couple of years, one of the new mortgage industry catchwords that you will likely hear is “area of declining value.” Chances are you will hear quite a bit about this for the next year or two.

What does it mean if you live in, or want to build in, an “area of declining value?” Simply put, it means that the government has declared that your local area has seen significant enough drops in average home values to place your area on a watch list.

Mortgage lenders have adopted different guidelines for doing business in these areas – and all lenders are slightly different.

Be prepared: if you find yourself in one of these areas, you will likely have a different set of qualifying standards than if you were not in a declining market area. This is not a reflection of you as a borrower, but in the general market conditions that currently exist.

Overall, if you are considering building your home and need construction financing, hopefully this brief article helped you recognize some of the key differences between the simpler purchase loans to which most people are accustomed and the more complex construction to permanent loan that will be required for building your home.

What are the key things to remember? First, understand that the construction to permanent loan is more complicated and may take a bit longer to complete. Second, be aware that there are basically two sets of approvals that are required: your credit approval as a borrower plus the approval of your project’s budget and appraisal. Finally, be on the lookout for areas of declining value, as it might affect your construction loan in some way or another.

Tags: About, Construction, Know, Loans, Need, Really, Work

Bilingual Social Work Scholarships and Grants

Social work is a field where you will find many dedicated and committed people. Many students take up this subject as major because several other fields and career options get opened and there is a good future as well. If you too are interested to pursue your studies in social work and you are worried about the education cost, bilingual social work scholarships and grants are there for you. These scholarships and grants help students cover all of their educational costs and complete their studies without any financial burden.

 

Students who are undergoing the training or want to get one are eligible to apply for scholarships and grants available for social work. As you are interested to get financial back up for your studies, it is advisable that you do a bit research work and find out what are the qualifying factors for the scholarship program that you want to apply. Go through them thoroughly and see that you meet each and every requirement of the sponsor. Almost every school has some scholarships and grants for specific or all subjects. Find out the details from the financial aid office of your institute and see whether your school has something for you or not.

 

Bilingual social work scholarships and grants are very useful for many students. There are many public, non-profit and private organizations that provide scholarships and grants to students who are interested to make social work as their career. If you cannot find or your school does not offer you any financial help, still you can find many financial aids available through different sources. Just make an internet search and browse through some of the websites. It is best to start with options you have from the federal government and apply for them.

 

When you are applying for scholarships and grants, do not restrict yourself to applying for only one or two scholarships. After applying for bilingual social work scholarships and grants, look for some general financial aid options too. These will help you cover the additional expenses that usually prop up when you are acquiring a degree or going through any kind of training.

Tags: Bilingual, Grants, Scholarships, Social, Work

Online Resources Help Former Stay-At-Home Moms Find Part-Time Work and Locate Freelance Projects

Online Resources Help Former Stay-At-Home Moms Find Part-Time Work and Locate Freelance Projects

Canton, GA (PRWEB) February 9, 2006 —

In the past decade, being a stay-at-home-mom became a popular trend, which was highly publicized in the media. Many women happily traded successful careers to stay home and raise their kids. Years later, as their children are now reaching school age, some of these women want to return to the workforce on a part-time basis in order to balance their desires for professional involvement with the changing needs of their families.

“Ideally, I want to find part-time work I can do from home while the kids are in school,” says Kelly Cantley, a former marketing executive living in Canton, GA. “I love being a stay-at-home mom, and I am also interested in putting my marketing skills to use again. I want to find meaningful assignments where my experience will be valued, but I also want flexibility in my schedule. I know opportunities are out there, but I just don’t know how to find them.”

Cantley’s sentiments about striking a life-work balance and locating a part-time opportunity are growing increasingly common. So, how does a professional — especially someone who has been out of the workforce for a few years — find meaningful part-time work? Thanks to innovative online resources, what may have seemed like a pipe dream only a few years ago is now becoming a reality.

“While many people looking for part-time opportunities may not consider themselves as freelancers our infrastructure of matching skilled professionals with real projects may be just what they are seeking,” explains Kyle Tinsley, president of iFreelance.com. “With a resource such as our site (http://www.iFreelance.com), professionals can find work that utilizes their skills and fits their schedules.”

Interestingly, many businesses are eager to embrace the idea of a freelance job board resource like iFreelance.com, and for good reason. Traditional recruiting costs for part-time or temporary employees can be prohibitively expensive. By posting specific freelance jobs to a site such as iFreelance.com, businesses are able to connect with qualified resources to help them accomplish specific tasks, thus saving time and money. Individuals looking for work also benefit. Typically, these freelance jobs fall into one of a variety of categories such as writing or graphic design.

“As a freelance writer, grant researcher, business consultant, computer systems design engineer and fine artist, I have found iFreelance.com to be a tremendous asset in effectively promoting my broad range of skills,” says Kate Gordon of Great Falls, MT. “In the first four months alone, I averaged $ 3,600 a month. This is the best thing to come along since eBay for us stay-at-home moms and professionals alike.”

Because of Gordon’s diverse abilities, she heavily markets her skills by placing multiple specialized profiles on the iFreelance.com site. She receives a customized list of 20-30 opportunities matching her skills virtually every day. She bids on the ones she likes and leaves the rest. To view examples of Kate Gordon’s profiles click this link.

“This freelance job board really works to grow your business from scratch,” Gordon explains. “You can put in your time in a flurry or spread it out. It is also true that the more positive reviews you receive, the higher your approval rating climbs, which brings in more offers. This exponential popularity has brought me more work than I can sometimes handle.”

Gordon also enjoys the freedom of being an independent contractor. “You get to be autonomous, creating your own terms and level of effort, yet fully engaged with the people you are doing work for and really remaining an active part of the whole process. There is no fueling up the car to run across town to a day job just to earn enough to drive home and feed the family. I am actually earning a living wage now; iFreelance.com has brought the world home to me.”

Another site offering helpful career tips and work-from-home suggestions is http://www.Mommysavers.com. The site is dedicated to helping parents make the most of their time and money and was started by Kimberly Danger in April 2000 while she was home on maternity leave. In a section for work-at-home moms, the site offers profiles of successful business owners, provides numerous job ideas and offers many helpful articles on starting a business.

“For a mother with young kids, working from home may seem like the best of both worlds: having something interesting to do, spending more time with family, and also making some money,” Danger explains. “Finding a job to do from home not only provides extra cash; it can also be a great way to keep you intellectually stimulated and create a sense of accomplishment.”

With the growth of technology over the past decade, working from home is easier than ever. “The internet makes telecommuting possible, and brings a worldwide marketplace to your front door,” Danger says. “For these reasons, women entrepreneurs are one of the fastest growing segments in our economy. The resources we have on Mommysavers.com help moms get started with finding the right job for her interests and lifestyle. We also help with the success of her home business through articles, tips and work-at-home mom profiles.”

During the past few years, there has been a virtual explosion of online resources designed to help people work in new and different ways. As our attitudes about achieving a positive life-work balance continue to evolve, it seems these tools will likely become even more important in the future.

About the Author: Lori Reed Tilt is a former stay-at-home mom turned entrepreneur. She is the owner of Tilt Marketing (http://www.TiltMarketing.com), a consulting firm in Canton, GA. Lori Tilt enjoys working part-time AND spending time with her family. She uses the internet extensively to research trends and assist her clients.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Moms Return To School Grant Press Releases

Tags: Find, Former, Freelance, Help, Locate, Moms, Online, PartTime, Projects, Resources, Stayathome, Work

Military Recruiters Needed for Part-Time Work. Up to $500+/ Wk!

Wizard Recruiting is looking for hard working Military Recruiters for part-time

work that you can do at your leisure. This is a proven business model that has

made other recruiters $ 500+ a week!

Your role will be to engage active, reservist or veteran servicemen and sign

them up via our website to use their GI Bill for further education. This does

not cost the recruiter or the servicemen any money. This is a service to help in

getting interested servicemen back in school.

Basically we have a website that helps current and former servicemen and their families

use their GI Bill to go back to college.

Your role would to be find interested military individuals and have them sign up on the website.

Qualified applicants will possess experience in recruitment of military openings

and the Montgomery G.I. Bill. Computer and online proficiency are required but

training will be provided.

Positions will start immediately.

Contracted rate of $ 20 per lead with most recruiters driving 15-25 leads per

week.

Looking for candidates that are driven to make money and have an entrepreneurial

spirit.

• Compensation: Up to $ 26k/ year
• This is a part-time job.
• Principals only. Recruiters, please don’t contact this job poster.
• Please, no phone calls about this job!
• Please do not contact job poster about other services, products or commercial interests.

craigslist | government jobs in macon / warner robins

Tags: 500+, Military, Needed, PartTime, Recruiters, Work

Business Loans from Family & Friends: How to Ask, Make It Legal & Make It Work

Business Loans From Family & Friends: How to Ask, Make It Legal & Make It Work

Skipping the bank is an option: learn how to ask for money from trusted family and friends, keep it legal, and keep everybody happy. About 65% of domestic banks report that they have tightened their lending standards for commercial and industrial loans to small firms (CNN, September 18, 2008).Many entrepreneurs at the early and often untested stages of launching or expanding a small business are having difficulty qualifying for traditional bank loans or venture capital in the down economy, parti

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Tags: Business, Family, Friends, From, Legal, Loans, Work

Quick Personal Loan: Do not Let Any of your Work Get Spoiled

Sometimes some of your important works get spoiled in front of your eyes but you cannot help watching them getting spoiled. It happens when some unexpected expenditures arise and you feel helpless because of lack of money. When you are an employee and earning monthly than the expenditures are always preplanned there is no space for unexpected expenditures. If unexpected expenditures arise they need to be planned but in most of the cases you do not have time to plan the expenditures. You need money urgently then you get money from your saving account but if you do not have enough money in your saving account, then it becomes your compulsion to borrow money. But, then the other question is that who to borrow from? Here is the answer, loan lending companies who are providing Quick Personal Loan. Quick Personal Loan can fulfill your all the needs and you can easily plan your unexpected expenditures because now you get time, getting time in the sense that you get time to repay the Quick Personal Loan.

Quick Personal Loans are short-term loans, which you can avail for a short period of time. The amount, which you can get through Quick Personal Loan is between 0 and 00. As it is mentioned above, Quick Personal Loans are sort-term loans you can get Quick Personal Loan for the time period of two weeks. Rate of interest vary according to the loan lending companies. Different loan lending companies offer Quick Personal Loan at different rates of interest. Usually the rate of interests for Quick Personal Loans is higher as compared to other loans.

Loan lending companies ask the borrower to fill up a simple online form to collect some personal information about the borrower like name, address, telephone number, current account number, occupation etc. Loan lending companies ask you to have an active checking account approximately three months old because loan lending companies transfer the money into the borrowers account after the processing. Money automatically goes back into the account of loan lending companies as soon as it comes into the account of borrower. Borrower does not have to go anywhere to repay the amount. Quick Personal Loans are unsecured payday loans therefore, loan lending companies ask the borrower to show salary slip to judge that whether the borrower will be able to pay back the amount or not? Amount that is lent by the loan lending company to any borrower depends on repayment capacity of the borrower.

You are eligible to use Quick Personal Loan no matter whether you have got good credit history or bad credit history. Loan lending companies do not enquire for borrower’s credit history this also saves time and Quick Personal Loan are given sooner than others. Borrower should be more than 18 year of age to be eligible for Quick Personal Loan. Before applying for loan in any loan lending company first you should make it sure that company is not fake and you should take views of some other borrowers about the company who have taken benefits from the company. If the company is fraud you may get trapped. If you also need money as soon as possible, apply for Quick Personal Loan.

Tags: Loan, Personal, Quick, Spoiled, Work

The Basics On How Guarantor Loans Work

If you are looking to borrow money for the first time, you may be shocked to find that it isn’t as easy as you first thought. The chances are you will be turned down by a bank or lending company because you have no credit history. Without credit history, lenders will find it difficult to weigh up your financial situation. They will not know whether you can pay back the money each month, this will automatically put you into the high risk category.

A guarantor loan could be a good solution. There are requirements that come with a guarantor loan, the applicant will need to find somebody with good credit standing to act as a guarantor for his or her loan. Many people think that it is only family that can do this but anybody can act as a guarantor as long as they have a good credit history. Although most people will ask a family member to help, close friends and even work colleagues can also become a guarantor.

Guarantor loans are also beneficial for people who have a bad credit score. A guarantor loan can even help to restore one’s bad credit score by using their guarantors good credit standing to better their own, this is only if the loan is taken out wisely and payments are met on time.

The person acting as guarantor would need to understand their exact position of this loan, they need to be aware that if the borrower defaults on the loan, it will be his or her responsibility to take over the payments until the loan is paid back in full. It is a risky position to be in and the guarantor must make sure they fully appreciate this. It would be sensible for the guarantor to have full access to the borrower’s finances such as: income, monthly expenses and access to the bank account, to make sure the account is healthy etc, this way it is easier for the guarantor to see if it is achievable for the borrower to repay the loan.

The guarantor loan is an unsecured loan, there is a misapprehension amongst people that this type of loan is more expensive than other unsecured loans, this is not the case. These loans are not based on the applicant applying for the loan but the guarantor and his or her good credit history.

If the guarantor has a property or something of value, they should not be worried of losing their possessions if the borrowe defaults on payments, because the guarantor loan is an unsecured loan. However in rare cases when no other agreement has been made for repayment of the loan it has been known for the creditor to take action through the courts to turn the loan into a secured loan but, this only happens when all the involved parties cannot reach an agreement and is normally only used as a last resort.

Final Thoughts

If the guarantor loan is taken out wisely, then it can really help people who have bad credit or no credit history. It is a good idea to research a loan you are looking to obtain, having background knowledge can help to to find the best offers obtainable.

Tags: Basics, Guarantor, Loans, Work

An Inside Job: Real Companies That Need You To Work From Home Now!

An Inside Job: Real Companies That Need You To Work From Home Now!
Right now, a small number of legitimate businesses in the US are actively seeking people like you to work from home, & I’d like to tell you who they are. 100% legit! Get a dependable paycheck, flexible schedule and respectable work. No selling required!
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Taking Care of Elderly Parents – What you Need to Know
An ebook like no other to help children who want to look after their aging parents. Things you need to know from someone who has been there. Low price niche market product. An ideal introduction to caring for the elderly – family, friends, clients, etc.
Taking Care of Elderly Parents – What you Need to Know

Tags: Companies, From, Home, Inside, Need, Real, Work

Debt Government Grants ? Debt Relief Government Grants Work, Know Why

Many people are unaware of the truth in regards to one of the best funding solutions in the country.

Many people find themselves in debt even if they try their best to avoid such a situation. When financial solvency seems to be a pipe dream a large number of individuals will begin looking to private sector banks and lending institutions to help them out with their debts.

Aurora Lillo Editor of the “Debt Relief Government Grants” website — http://www.DebtReliefGovernmentGrants.com — pointed out;

 

“…Unfortunately, this will often mean a debt consolidation loan, personal loan, or even bankruptcy filing. In short, this means that this individual will have to spend money so that they could fix their debt issues. There are other methods, however, that do not actively involve paying anyone anything. These methods are known as government grants…”

Debt relief government grants work well for their intended purpose. The main reason such a program can work for an individual is that the money never needs to be paid back. A grant is basically free money. It does not matter whether these funds come from the government or private sector sources. The end result is that the individual will receive free money.

There are many different versions of these grants available to the average citizen. Each of them has a different set of criteria and purpose designed to benefit the people that need it most. These financial aid programs vary from those meant to help an individual pay off old credit card debts in excess of ten thousand dollars, to aiding an individual that is about to lose their home to foreclosure. The variety of grants, and even the loans available for those that still wish to pursue such an option, is wide and covers a large section of the economic spectrum.

The criteria for each of these programs varies, but some of the types of requirements are: minority racial status, female gender status, buying a home for the first time, having debt far above the individual’s means, and repairing a primary work vehicle. There are at present nearly thirty government agencies offering grants to individuals that meet a given minimum of requirements. The acceptance of an application is automatic if an individual is truthful and they actually are eligible to apply.

“…The best part about these types of programs is that they are all interchangeable and capable of being gathered in multiple areas. One grant does not generally preclude the ability to file for and receive another. The individual is legally allowed to file for as many as they want and will receive money for all they are eligible for…” added A. Lillo.

Further information about debt relief government grants by visiting: http://www.DebtReliefGovernmentGrants.com

Tags: Debt, Government, Grants, Know, Relief, Work