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Economic Stimulus Money! Do You Qualify? Are You Eligible?

Here's ten surprisingly easy ways to do it yourself

Housing Sector | Credit Card Relief | Tax Relief | Mortgage Relief | Stimulus Jobs | Home Improvement | Car | Energy Assistance | Start a Biz Free

 

 

News for Public Officials - Updated November 2009

If you know where to look and you don't mind putting a little effort into doing it yourself, stimulus money is available for just about every aspect of your life. For many families independent programs may be the fastest resource for immediate assistance. Private and government programs may provide fast help for rent, unemployment, home ownership, help with rising energy costs, money for college, cars and even credit card debt.

Struggling families nationwide are creating their own bailout programs with help from independent service providers who understand the intricacies of private and government stimulus incentives currently offered through thousands of federal, state, community and commercial assistance programs.

If you act quickly, you may be eligible to collect tens of thousands of dollars in direct and indirect recession-busting grants, incentives, rebates and debt relief.

Although not all of these are part of the federal stimulus package, independent service providers may often produce very fast and very effective help during this economic crisis.

Money to Pay Credit Card Debt

It may be possible to eliminate 50% of what you owe.

 

According to the White House, the average American family carries a credit card balance of $10,000. In March, President Obama announced, "The days of any time, any reason rate hikes and late fee traps have to end." This is good news for struggling credit card holders. Although not part of the stimulus plan, new credit card laws of 2008, 2009 and proposed laws set to go into effect in 2010 as well as recent government bailouts are motivating banks and credit card lenders to quickly settle debt with debt settlement specialists. You could eliminate half of what you owe.

On Thursday, August 20, 2009, provisions of the Credit Card Accountability, Responsibility, and Disclosure Act ("CARD") signed into law by President Obama last May become effective. "The days of any time, any reason rate hikes and late fee traps have to end," President Obama said.

Now that the government is cracking down on credit card lenders, struggling cardholders need to act fast to see if you may be eligible to quickly and legally eliminate half your credit card debt  - without bankruptcy.

Complete a 20-second form to get a personalized debt relief plan.

(Requires Min $10,000 in credit card debt to qualify)

 

 

Settle Your Tax Debt

You may be eligible to settle your largest tax debt for pennies on the dollar.

The economic crises has left millions of Americans unable to pay their taxes and feeling hopelessly at odds with their own government. If you are struggling to deal with back taxes by yourself, it's hard to know all the tax laws and loop holes that will ensure you make the right choices. When it comes to Federal and state tax debt issues, most taxpayers are simply not prepared to take on the many confusing issues and extremely complicated system of rules, codes, laws, and regulations. But help is available. If you owe $10,000 or more in tax debt It may be possible to settle your tax debt for a fraction of what you owe. Many of the best tax settlement experts in America now offer a free consultation to help you decide what is best for your individual situation. It's important to act quickly if you want to take advantage the latest regulations and court decisions. The longer you ignore the problem‚ the bigger your tax nightmare will become. Now it's easy to complete one simple form to resolve your tax problem, get the IRS off your back and get on with your life.

 

Housing Sector Renovation Stimulus

(Help Restructure your mortgage, remodel, renovate, update, buy a home and lower your payments)

 

 

Home Value Down? Take 40% or More Off Your Home Insurance (and maybe your taxes)

 

One in six of all homeowners is now underwater. In some of the hardest hit areas, more than 80% of homeowners owe more than their home is worth. In 2008 American homeowners collectively saw $3.3 trillion erased from the value of their real estate while at the same time property taxes and insurance remained the same or even worse - went up. While many homeowners struggle to keep their heads above water,  others are actually lowering home payments by bringing insurance and taxes in line with lower home values . . . Cut your homeowner insurance by 40%.

 

 

Restructure Your Mortgage - Keep your home affordable!

This year, one in ten homeowners is facing foreclosure,  but new initiatives from the government and private service providers for loan modification and refinancing are making home affordable again for millions of struggling homeowners.

Refinancing, buying or modifying your home with an FHA, Fannie Mae, Freddie Mac, USDA or conventional fixed-rate mortgage can make your home affordable again and save you thousands of dollars. In some cases you may qualify for government rebates of up to $8,000. In addition, struggling homeowners may be eligible for assistance from local Section 8, HEAT programs, and other local housing authority assistance programs. President Obama's administration is urging homeowners to refinance, restructure or modify your mortgage. Click here to quickly determine if you qualify for refinance loan restructuring.

 

First Time Home Buyers Tax Credit Now Includes Existing Homeowners

How would you like an extra $8,000 dollars in your pocket? If you're a new home buyer, the money could be yours. The $787 billion economic stimulus package signed into law by President Obama in February makes it all possible. Obama extended and expanded the bill November 6. The extended bill expands the $8000 first-time home buyers tax credit program to include a $6500 credit to current homeowners. With the signing of the bill both existing homeowners and prospective home buyers may qualify for the tax credit and up to a $625,000 low-rate loan. The fastest way to qualify for the flexible credit guidelines,  low fixed rates and security of a government-insured loan is with authorized lenders providing FHA Express Loans  

 

Home Improvement, Renovation & Energy Assistance

$1500 Energy Assistance for high-efficiency Weatherization, Remodeling, Heating, and Windows

The home improvement rebate program (Cash for Caulkers) is similar to the popular “cash for clunkers” program, but doesn’t require a trade-in or exchange. The stated goal is to stimulate consumer spending and smarten up energy use. The government is offering incentives to home owners who want to update their homes with more efficient heating and coolingsystems, water-saving bathroom remodels and energy-saving kitchen upgrades. The list of eligible home improvements is huge and includes $1500 or more you can use to replace old windows as well as installing new roofing, new siding and insulating retrofits. Learn more and find out how to qualify from local contractors.

Individual states determine the type of home improvement allowable and amount of rebate that is available. To take advantage of this rebate you should act quickly to compare bids from local contractors and get all your options.

Need money for major home improvements?

Your best source to fund your home improvement project may be the contractor you hire. Top home improvement contractors may provide financing or be able to assist you in finding the best rates and most flexible terms. You may want to get quotes from local contractors and ask about financing options.

Home Appliances

 

The "Cash for Appliances" program provides incentives to anyone who wants to upgrade home appliances to the latest energy-efficient environmentally-friendly models or make energy efficient home improvements. You don't have to trade in your old appliances. You will simply receive a rebate when you buy a qualifying new appliance.

 

States are at liberty to craft unique program plans that must be approved by the Department of Energy. States will indicate which Energy Star® appliances qualify for their programs and the exact rebate amount for each home appliance. Eligible appliances qualify consumers for $50, $200 or more towards the purchase of high-efficiency Energy Star® rated appliances. The U.S. Department of Energy has set aside $300 million to pay shoppers who qualify.

 

To get the most from your remodeling and home appliance stimulus rebates (including funding from Federal, State, and Local sources) you'll want to get quotes from remodeling contractors in your area.

 

Money to Supplement Your Retirement

If you're 62 years old or older and need money to pay off debt, cover medical expenses, or help out the kids you'll be happy to know Congress has raised the amount banks may pay you while you enjoy your retirement from the comfort and security of your own home. The American Recovery and Reinvestment Act of 2009 raised the limit for government-backed reverse mortgages to $625,500. There are no income, employment or credit qualifying restrictions.You own your home - not the bank and you never make a mortgage payment while you live in the home. You can get a Free Reverse Mortgage Guide from Quicken Loans that explains all your options and simplifies the application process.

Money To Boost Your Career

Stimulus Money For College

According to the U.S. Department of Labor, over 7.5 million people have filed for unemployment since the start of the recession in December 2007. While the jobless rate is at its highest in over 25 years at a staggering 9.5 percent, President Obama's Stimulus Plan is working to relieve the downward pressure on the job market. With $790 billion being invested in our nation's most influential industries, it's time for you to reinvent your career with the right training and qualifications. In February, President Obama announced "We are making the largest investment in education in our nations history."

The economic stimulus package, which will double the Department of Education's budget over the next two years, will "make a reported 4 million more students eligible for expanded tax benefits and significantly increase federal grant and scholarship funding for an estimated 7 million students. The plan makes the first $4,000 of higher education free for most middle class families. Eligible schools include universities, colleges, trade schools - including "distance learning" and accredited online programs. If you are serious about furthering your career with a good degree program or accredited job training, right now is the perfect time to earn a degree online!

Stimulus Money To Start Your Own Business.

If you've dreamed of being your own boss and owning your own business, there has never been a better time. If you are currently unemployed the government will pay you to start a small business and support you while you grow your new business under the Self-Employment Assistance program. The program is administered by your state's unemployment office.

It's easy and cheap to start a home business. Anyone can easily build a small business website in minutes that is free for the first 30 days and costs less than five dollars month to maintain at Intuit Small Business. Get Your Free 30 day Trial!

Stimulus Jobs / Diversity Jobs

The Federal Job Stimulus plan provides hiring incentives for employers in certain industries. President Obama’s stimulus plan promises to create 200,000 new jobs over the next three years. Monster has a good overview of stimulus jobs, including who's hiring, where the jobs are, and the types of  jobs available.

Professionals, managers and executives seeking $50k or more who wish to be considered at large & small employers, growth firms and Fortune 1000 companies should register with Climber to network with recruiters.

Money for a New Car  ($9000 by combining gov credits & priv rebates)

The "CARS" stimulus program or "Cash for Clunkers" plan officially ended August 24 at 8 pm. But if you missed this deadline it's not too late to benefit from the initiative and the special offers it spawned. Many auto makers are extending and expanding the popular government offer beyond the deadline with similar promotions funded from their own bailout money and reserves. Even before the official government program ended, Chrysler announced July 23rd it would match the government rebate for some models with money they received from their own bailout. Ford, Nissan, Toyota, Chevrolet, Honda and Hyundai have also developed their own clunkers rebate programs with more manufacturers and dealers coming on board every day. These offers are not available through every dealer and may vary by location, model and dealership. Some hybrid and high efficiency vehicle purchases still qualify for a credit of up to $3,400.To learn more about how your local dealer can save you thousands with non-government "Clunker" rebates it's not too late to find Participating Dealers.

Need an Auto Loan? 

Even if your credit is less than perfect, you may be able to connect with a lender who can help you take advantage of the deep discounts offered in cash for clunkers programs. And don't forget, you can save even more when you compare auto insurance quotes to save 40% or more!

 

Start Now! Time is Running Out!

 

Get a Free Personalized Debt Relief Plan to Legally Eliminate Credit Card Debt

Must Owe $10K or more in unsecured debt to qualify

 

Settle Your Tax Debt - Get On With Your Life

If you owe $10,000 or more in back taxes - complete one simple form that may resolve your tax problem.

 

Home Value Down? Take 40% or More Off Your Home Insurance

It just makes sense. Why pay to insure your home's old value?

 

 See if You Qualify for Mortgage Restructuring

Obama Urges Homeowners to Refinance, Modify and Restructure!

 

Find Participating Dealers for the $4500 "CARS" Rebate

Some dealers are extending the government deadline with special rebates of their own. Hurry!

 

Get Stimulus Funds For Building Your Own Online Business

Dislocated workers may collect funds while starting a business from home.

 

 

 

 

 

 

 

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