Solve your debt in 5 days or less!

In most cases, the more an agency knows about your grant 
proposal, the better your chances will be of getting support 
from the personnel who ultimately approve your FREE MONEY 
request. 
Often it is a grantor's advantage to send their grant 
proposal summary to an agency official they have developed a 
contact relationship with, and ask them to review and return 
it to you with their comments. Be certain this approach is 
acceptable with your agency contact. You wouldn't want a 
first draft mistakenly processed before it was finished. 
Making a personal visit to the agency's office in your area 
is also important. Face to face contact will help you 
understand eligibility requirements, deadlines, maximum FREE 
MONEY amounts you can apply for, and other details you want 
to know about. You can also utilize an agency's library and 
determine through books, brochures, and conversation if 
there are other agencies you could apply to for FREE MONEY. 
There is nothing that says you can't apply for two, three, 
or more FREE MONEY grants at one time! 
Establish Your Own Professional Network
Do some networking and maintain continuous contact with 
people who can gather information for you about FREE MONEY 
GRANTS. Nothing can be substituted for personal contact with 
the decision makers who are in charge of grant programs. 
Learn to use your personal influence (and theirs) to achieve 
your goals. 
The U.S. Government Printing Office maintains a wealth of 
information that people never take advantage of! Write to 
them and ask for a copy of the "U.S. Government Directory" 
and ask for a list of books, brochures, and documents that 
covers your field of interest. Tell them you are especially 
interested in obtaining information about FREE FEDERAL MONEY 
that's available to private citizens. 
Remember, "FREE FEDERAL MONEY" doesn't mean you have to 
travel to Washington, DC. It just means finding out where 
the agencies are within your own states and local 
governments. The contacts you want to make may only be 
minutes away. 


How Pawn Shops Work

A pawnbroker makes loans on personal property left as 
collateral. The property can be redeemed when the loan plus 
interest is repaid. 
The interest rates for pawnshops, which may be regulated by 
state or local laws, may range from 5% to 6% a month. Loans 
can usually be renewed, but only if the interest for the 
original period has been paid. 
Pawnbrokers will accept a variety of personal property as 
collateral. Usually, items that are small or of modest value 
(jewelry, clocks, computers, camcorders, silverware, etc.) 
Brokers won't lend more money than they think they can get 
if the pledged item is not redeemed and has to be sold. 
When a pledged item is not redeemed, brokers are required to 
notify pawners that the loan period has expired and to give 
them a final opportunity to redeem their personal property 
before the broker has the right to sell the item. In some 
jurisdictions, brokers may keep all the money received from 
the sale of the unredeemed pledge. In other cases, the 
broker may only keep the original loan and any interest due, 
but must turn any excess over to the pawner. 
In many states, pawnbrokers are required by law to file with 
the local police a daily list of items that have been 
pledged. They must report and give a description of the 
object along with serial number and other points of 
identification. 
This gives the police an opportunity to check these pledge 
items against any list of reported stolen items. In somebody 
buys a stolen item from a pawnbroker, it must be returned, 
and the broker must refund the purchase price to the 
customer. 
DEBT LIMIT. Installment debt should not exceed 10% of 
take-home pay. A debt ratio of 20% indicates trouble ahead. 
However, when computing for your debt ratio, you must not 
include mortgage payments in the amount of debt. 


Improve Your Credit By Paying Bills Later Rather Than 
Sooner 

Every business will get to the point where suppliers will 
offer terms on bills, rather than requiring payment up front 
or on delivery. Their bills will probably be marked "2/10, 
net 30." This means you get a 2% discount if you pay within 
10 days, and the bill is due within 30 days. 
Many business owners will jump at the opportunity to save 
the 2% by paying early, and rightfully so. However, believe 
it or not, they can help their credit rating by paying at 
the end of 30 days. 
How is this so? It's all a matter of your business' CREDIT 
HISTORY. All of the companies who offer you terms will be 
reporting your history to various credit bureaus. These 
bureaus are who gets consulted by banks when they decide 
whether or not to give you a loan. 
By always taking advantage of the 2% discount, a business 
establishes a paying pattern. Thus, if you've been paying a 
company's bills in 5 days for the past year, this is what 
they will expect from forthcoming bills. Now, say one month 
has a tighter cash flow than normal, and you must take 20 
days to pay that bill. This sends up a red flag for the 
billing company. 
You normally pay in 5 days, why are you now paying in 20? 
Even though you paid the bill well within the deadline, you 
have given a sign that you had a cash flow problem. This 
uneven paying pattern can show up on your credit rating. 
Even though all your bills are paid on time, an uneven 
paying pattern can jeopardize your future chances for more 
and larger credit limits. 
Now, if you always pay your bills on the 25th day of the due 
period, even when you can pay them early, that cash poor 
month won't look any different to the billing company. Most 
companies would rather grant terms to a company that always 
pays on the 25th day, than one that sometimes pays early, 
sometimes pays later, as this reflects an image of 
disorganization and uneven cash flow. 
Also, always paying toward the end of the due period will 
aid your cash flow. If you pay your bills consistently, at 
the same time every month, you will not be surprised by a 
sudden cash shortage. For example, say you decide to pay a 
bill early one month. Then, the next week, your main 
supplier calls to tell you about a closeout deal he has that 
would double your profits. 
Only problem is he can't offer terms, it has to be cash.