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An estimated 9 in 10 Americans are owed unclaimed cash. It's quite likely some of this money belongs to you. Find out how much.

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All discretionary grants offered by the 26 federal grant agencies can be found, plus you don't have to register with Grants.gov to find grant opportunities. However, once you are ready to apply for a grant, you will need to register. This registration approval process takes 3-5 business days.

Free Grant Opportunities Search

Search by keyword, Funding Opportunity Number (FON) or Catalog of Federal Domestic Assistance (CFDA) number.
Search by a variety of categories of funding activities.
Search from a list of agencies offering grant opportunities.
Search by more specific criteria such as: Funding Instrument Type, Eligibility or Sub-agency.
Search for Recovery Act Opportunities.

Government Disability Programs & News from Disability.gov

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Native American Independent Living Services

A center for independent living in Western New York providing a range of independent living services to Native Americans with disabilities.

Obama Administration Announces New Steps to Fight Alzheimer's Disease

The Obama Administration is making an additional $50 million available for cutting-edge Alzheimer's research. The administration's Fiscal Year 2013 budget will increase funding for Alzheimer's research by $80 million, plus an additional $26 million for caregiver support, provider education and public awareness about the disease. This new funding will speed up the National Institutes of Health's effort to develop new ways of helping people with Alzheimer's disease and those at risk. For more information read the fact sheet, We Can’t Wait: Taking Action on Alzheimer’s Disease.

Medicare Advantage Premiums Down 7 Percent on Average, Enrollment Up 10 Percent

Medicare Advantage costs have lowered by 7 percent on average and enrollment has risen by about 10 percent since this time last year. U.S. Department of Health and Human Services Secretary Kathleen Sebelius credits the Affordable Care Act with providing new tools to make sure that seniors and people with disabilities are getting the best value out of their coverage. Not only is enrollment up and costs down, but there are 26 Medicare Advantage plans to choose from in nearly every county across the country.

DOL Proposed Rule on Hiring Goals for Contracting Staff - Comment Deadline Extended to February 21

The U.S. Department of Labor (DOL) is proposing a new rule that would require federal contractors and subcontractors to have 7 percent of their workforces be people with disabilities, among other requirements. DOL’s Office of Federal Contract Compliance Programs (OFCCP) invites public comment on this proposal. The proposed rule would strengthen the affirmative action requirements for hiring qualified workers with disabilities which are in Section 503 of the Rehabilitation Act of 1973. Comment deadline is February 21, 2012.

January 2012 Disability Employment Statistics Released

The U.S. Department of Labor's Bureau of Labor Statistics has released disability employment statistics for January showing that the percentage of people with disabilities in the labor force was 20.0. By comparison, the percentage of persons with no disability in the labor force was 68.9. The unemployment rate for those with disabilities was 12.9 percent, compared with 8.7 percent for persons with no disability, not seasonally adjusted.

Modesto Retailer Settles Disability Discrimination Suit

Buy Rite Thrift has agreed to pay $50,000 to settle a disability discrimination lawsuit. The U.S. Equal Employment Opportunity Commission (EEOC) charged Buy Rite with illegally firing an employee who has epilepsy after having mild seizures at work. Instead of asking the employee to take a fitness exam or provide medical documentation that he was fit to work, the store fired him. Under the Americans with Disabilities Act, employers must provide reasonable accommodations to an employee with a disability, unless it causes significant difficulty or expense for the employer.

Professional Media Corporation to Pay $58,000 to Settle EEOC Disability Bias Suit

The U.S. Equal Employment Opportunity Commission (EEOC) has charged Professional Media Corporation with violating the Americans with Disabilities Act (ADA) for forcing employees to sign a "health warranty" certifying their health and that they did not use medications. The company also harassed and then fired an employee who had attention deficit hyperactivity disorder and an auditory processing disorder. It violates the ADA to discriminate against a person with a disability. The law also states that employers may not ask job applicants and employees about the existence, nature or severity of a disability.

DOJ Settles Americans with Disabilities Act (ADA) Lawsuit with Michigan's Henry Ford Health System

The U.S. Department of Justice (DOJ) has reached a settlement with the Henry Ford Health System to provide effective communication for individuals who are deaf or hard of hearing when receiving medical services. The company did not provide sign language interpreters to a deaf patient and his family members. The ADA prohibits discrimination against individuals with disabilities by hospitals. The ADA also requires doctors, hospitals and other health care providers to provide equal access to patients and companions who are deaf or hard of hearing.

EEOC Settles Disability & Age Discrimination Suit against DXP Enterprises

DXP Enterprises, Inc. has agreed to settle a disability and age discrimination lawsuit filed by the U.S. Equal Employment Opportunity Commission (EEOC). DXP had hired a woman and then fired her days later after learning she had had a prior back injury. The lawsuit claimed that DXP had fired the employee because of her disability and/or both disability and age. Disability discrimination violates Title I of the Americans with Disabilities Act. The Age Discrimination in Employment Act prohibits employment discrimination based on age (over age 40).

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Alexander Graham Bell Association for the Deaf
If your child is under 6 and has a moderate to profound hearing loss, you can apply for money to pay for intervention, educational and/or rehabilitation services. There is also money available for children with hearing loss between the ages of 5 and 19 to attend art or science courses during the summer, weekends, or even after school. For more information, contact: Alexander Graham Bell Association for the Deaf, 3417 Volta Place, NW, Washington, DC 20007; Telephone: 202-337-5220, TTY: 202-337-5221.
If your child is under 6 and has a moderate to profound hearing loss, you can apply for money to pay for intervention, educational and/or rehabilitation services. There is also money available for children with hearing loss between the ages of 5 and 19 to attend art or science courses during the summer, weekends, or even after school. For more information, contact: Alexander Graham Bell Association for the Deaf, 3417 Volta Place, NW, Washington, DC 20007; Telephone: 202-337-5220, TTY: 202-337-5221.

Billy Barty Foundation
Sponsors a scholarship fund to help promising college students who have a medical form of dwarfism. Provides $2,000 scholarships.

Children with Disabilities Grants and Funding Page
An online guide for parents and children. Provides links to information on funding opportunities from the Federal agencies and offices represented on the Coordinating Council on Juvenile Justice and Delinquency Prevention. It also presents suggestions for identifying funding opportunities from other Federal agencies and the private sector.

Creating Options: A Resource on Financial Aid for Students with Disabilities (2001)
The latest edition of this popular resource paper features up-to-date information about federal financial aid programs, describes the relationship between state vocational rehabilitation agencies and the financial aid process, and lists organizations that offer disability-related grants and scholarships for postsecondary education. The paper suggests other sources of financial assistance for individuals with disabilities and recommends web sites where students will find additional financial aid information. Also included is a precollege financial aid checklist to help students plan and manage a funding search.

Disability Resources Monthly Guide to Disability Resources on the Internet
Includes links to financial aid and grants resources.

Ethel Louise Armstrong Foundation (ELA)
Supports professional organizations that work with people with disabilities through grants and scholarships that further their goals of education, advocacy, leadership development, mentorship and the arts. The Foundation especially seeks to support the work of organizations that are led by or support the work of women and girls with disabilities. The next deadline for applications is November 1 and grants are small, ranging from $1,000 to $5,000. For more information contact Ms. Deborah Lewis, 626-398-8840, email: executive director@ela.org.
In addition the Foundation is committed to expanding opportunities for female graduate students with disabilities and developing future leadership in the disability community. The foundation will award one or two scholarships of up to $2,000 each per academic year to supplement financial assistance received by a female graduate student(s). Visit the ELA Web site for complete eligibility information and application guidelines and forms.

Financial Resources for Individuals Interested In International Exchange Opportunities
Courtesy of Mobility International USA National Clearinghouse on Disability and Exchange.

Foundation Center RFP Bulletin: Disabled
The RFP (Request for Proposals) Bulletin is published weekly by the Foundation Center. Each RFP listing provides a brief overview of a current funding opportunity offered by a foundation or other grant making organization. Interested applicants should read the full RFP at the grant maker's Web site or contact the grant maker directly for complete program guidelines and eligibility requirements before submitting a proposal to that grant maker.

Foundation for Exceptional Children Grant and Scholarship Programs
The Foundation for Exceptional Children (http://www.cec.sped.org/fd/back.htm) is a national organization committed to improving the lives of children and youth with disabilities. Currently, the foundation is accepting applications for Scholarship Awards and Minigrant Awards. In the former category (deadline: February 1, 2001), FEC offers Stanley E. Jackson Scholarship Awards and the Infinitec Scholarship Award for full-time, post-secondary education or training during 2001-2002. Post-secondary education or training includes two- and four-year under-graduate college programs or vocational, technical, or fine arts training. Applicants must be anticipating enrollment for the first time in full-time, post-secondary education or training during 2001-2002 and also must provide evidence of financial need. Different recipients will be selected in each award category, and no recipient will receive more than one award. The FEC minigrants (deadline: March 1, 2001) program provides funds to schools, community groups, and other centers of learning for innovative educational programs. Between 20 and 30 grants are awarded annually. Minigrant awards of up to $500 will be made for innovative education-related projects that directly benefit gifted children or youth and/or children and youth with disabilities. For more information, contact: Foundation for Exceptional Children, 1920 Association Drive, Reston, Virginia 20191; Tel: (703) 264-3507. Source: Foundation Cener RFP Bulletin, December 15, 2000.

Foundations and Corporate Grant Programs Related to Disability
A collection of foundations and corporate grant programs that may be of interest to many NIDRR grantees AND have Internet sites. Sponsored by the National Center for the Dissemination of Disability Research (NIDRR).

Guide Dog Foundation for the Blind, Inc
This charity provides trained guide dogs to the blind at absolutely no charge. They also include training in using the dog and will pay for room and board, all equipment, and round trip transportation. For more information, contact: Guide Dog Foundation for the Blind, Inc, 371 East Jericho Tpke., Smithtown, NJ 11787; Telephone: 800-548-4337; 631-265-2121.

HEATH Resource Center
George Washington University has received a grant from the U.S. Department of Education's Office of Special Education and Rehabilitative Services to operate the National Clearinghouse on Postsecondary Education for Individuals with Disabilities, known as the HEATH Resource Center. The web page contains information about funding opportunities along with many other resources.

Mitsubishi Electric America Foundation
The Mitsubishi Electric America Foundation gives national "Starfish Grants" to benefit young people with disabilities throughout the country.

National Federation of the Blind Scholarship Program
Each year at its National Convention in July, the National Federation of the Blind gives a broad array of scholarships to recognize achievement by blind scholars. All applicants for these scholarships must be (1) legally blind and (2) pursuing or planning to pursue a full-time post-secondary course of study. In addition to these restrictions, some scholarships have been further restricted by the donor.

NEC Foundation of America
Makes cash grants to nonprofit organizations and programs with national reach and impact in one or both of the following arenas: science and technology education, principally at the secondary level, and/or the application of technology to assist people with disabilities.

Pilot Dogs, Inc.
This charity gives its trained animals to the blind at absolutely no charge. They also include four weeks of training in using the dog and will pay for room and board, all equipment, and round trip transportation. For more information, contact: Pilot Dogs, Inc., 625 West Town Street, Columbus, OH 43215; Contact - Telephone: 614-221-6367; Fax: 614-221-1577

Rehabilitation Engineering and Assistive Technology Society of North America
Need money to buy a van, a talking computer, or rubber door know grips? People with disabilities now have a place to turn to learn everything they need to know about how the latest in technology can improve their lives. It can be a specially equipped van, a talking computer, a special kitchen or eating aid, or adaptive toys for children. Or it may be a student with learning disabilities who needs special help getting through school. A project funded by the U.S. Department of Education, called Technical Assistance Project has established an office in each state that can provide: Information Services: will help you identify the special products that are available to help you cope with your disability. Equipment Loan Program: allows people to borrow new technology devices for a number of weeks before they purchase them. Recycling Program: matches up people with needs for products with people who want to sell or donate products. Funding Information: collects information on the various sources of funding for this equipment from public and private sources. Loans: many states are offering special loans to help people purchase the necessary equipment; Ohio offers low interest loans up to $10,000, California has loans up to $20,000, North Carolina up to $15,000.
Contact your state Office of Social Services or Vocational Rehabilitation (In Michigan the Family Independence Agency). If you have trouble locating your state office, you can contact the office that coordinates all state activities: Rehabilitation Engineering and Assertive Technology Society of North America, (RESNA), 1700 North Moore Street, #1540, Arlington, VA 22209; Telephone: 703-524-6686; Fax: 703-524-6630; TTY: 703-524-6639

Shaklee Teacher Award
The Shaklee Teacher Award is designed to recognize up to ten of America's most outstanding teachers of children with disabilities. Selection of teachers will be based on specific student outcomes and related contributions they have accomplished in their roles as teachers of children with disabilities. The standards reflected in this award exemplify the attributes of outstanding educators as determined by the Shaklee Institute Senior Scholars. Benefits of the 2001 Shaklee Teacher Award include a $1,000 cash award, a specially-designed pewter sculpture, and a four-day summer session learning experience. The application process requires the outstanding teacher to describe numerous aspects of their competence as an educator and their overall involvement within the field. The award is limited to professionals involved in direct teaching programs for children with disabilities. Applications are available online. (There is a $25 application fee.) For more information, contact: Shaklee Institute for Improving Special Education, 8700 East 29th Street North, Wichita, Kansas 67226; Tel: (316) 634-8735 or (800) 835-1043; Email: ksoule@heartspring.org. Source: Foundation Center RFP Bulletin, Dec. 22, 2000.

Summer Precollege Programs for Students with Disabilities - 2001 Edition
This resource web page describes campus-based postsecondary orientation programs for students with various types of disability. The new edition describes 17 programs located in nine states throughout the country, and provides details about program features, curricula, tuition and contact information. (Other colleges not listed here may also have summer precollege programs, but may limit admission to those students who have been admitted to that college. Therefore, interested students should also consult the college to which they have been admitted.)

Free Grants for Personal Individual Use As the economy continues to stagger, with high unemployment, rising living costs and mounting debt, consumers turn to the internet in search of free grants for personal individual use.

Search for free grants for disabled people.

Debt

Out of control debts are keeping many Americans stressed and searching for ways to get debt relief. Some of the ways people try to manage debts is through debt settlement, debt consolidation, bankruptcy or a self help plan. For some people, they try to budget better or go out and get a second or even third job. Extra jobs could prove to be even more tiring and stressful than being in debt. One thing is for sure, debts will not evaporate into thin air, there must be some type of plan in action. There are many great debt relief companies online who can give a quote for debt problems. Any course of action usually requires some dedication on the part of the person in debt. Then there are just times when a small loan is needed to pay one bill, to be able to avoid high late fees. In this case there may be a friend or family member who may be able to loan money.

There are trillions of people who are in debt and many are having to choose which debts to pay and which debts will go unpaid. Debts that are over thirty or more days late will have a big impact on credit scores. Yet, many people who have lost jobs or have financial problems due to other difficulties, are having to choose to not pay some of their debts because of dire circumstances. Many advisers recommend that at least the minimum should be paid on debts, but if that is not possible, some must make drastic decisions about what to pay and what to delay.

Some debts must be paid, especially taxes, alimony, or even child support. Then there is food, shelter, the mortgage or rent, and other debts that are a necessity in life. When debts are not going to be paid, be sure to weigh the cost of non-repayment and the effect it will have on your life. For example, if the mortgage or car note is not paid, those are secured debts that could be lost due to non payment. People need a place to live and an auto to get to and from work. Consider credit scores and how any negative information from not paying debts will affect the possibility of being rejected for loans or credit cards in the future.

Talk to creditors, many may be willing to discuss a new payment structure, especially if they think someone maybe close to filing bankruptcy. Most would rather have some payment each month than none. They may have payment options that can ease the financial stresses for a short time. Of course any reduced payments means it will take longer to pay off the debt. Another choice could be to consolidate some debts so there is only one, low monthly payment instead of too many bills due each month. Some lenders may be willing to freeze the interest rates or lower monthly payments for a while if there is proof or some type of documentation that there is a hardship.

The worst thing that is often done when debts are out of control or late, is that no plan is put into action. Then debts just stack up and have late fees added or interest rates are raised. This only serves to add more debt to the existing debt. When this happens it can take much longer to try to payoff or catch up on bills.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.

About-Grants.com Review - Copyright © About-Grants.com, 2009. All rights reserved.

Your Guide to Understanding and Getting Grants! Looking for info and answers to Grants questions? You've come to the right place!

Here we have a mega-library of Grants articles, resources, tips, Grants FAQ's, news and Grants reviews that you can access with the click of a mouse. You can also ask us questions if you don't find the answers you're looking for already posted. If we don't have the info you need, we'll point you toward it.

So sit back and browse the site. Check out any links that interest you, and look around as much as you want. But before you leave, take a minute to sign up for our free Grants newsletter in the sidebar. In the newsletter we answer readers' specific Grants questions and keep you informed with the latest news. We also offer feedback and reviews on particular Grants products and services.

Individual Grants: Several no-cost personal grants can be obtained if you happen to belong to a certain group.

Vietnam Era Veterans Educational Assistance is one example of free grants allocated by the government to an individual.

Vietnam Era Veterans Education Assistance is money extended to individuals or families through an agency of the U.S. government. The objective for this one is to provide educational assistance to persons who entered the Armed Forces after December 31, 1976 and before July 1, 1985. Another objective for this personal grant is to allow these veterans to obtain education, and thereby promote a voluntary military program in the U.S. by attracting qualified persons to the service.

To be eligible for this Vietnam program, the applicant must have served honorably on active duty for more than 180 continuous days beginning on or after January 1, 1977. If you were discharged after such date because of a disability acquired in line of duty then you are qualified. Applicants who served more than 180 days and completed first period of obligated service or 6 years of active duty whichever comes first are also eligible for free personal grants under this program. Satisfactory contribution of a monthly deduction of $25 to $100 from military pay from participants is also required to qualify for free personal grants. Lump sum contributions made before March 31, 1987 are allowed.

The American Cancer Society has a program that offers free personal grants to persons afflicted with cancer. Free funds are extended to treatment-related travel expenses including transportation, medicine and medical supplies.

The Leukemia and Lymphoma Society is another organization that provides personal funds to patients in need. This program is supported entirely by public contributions.

Free grants are also available for students who intend to pursue their college studies. Pell Grants is one of the programs students can tap into to fund their advance studies. There are also a number of campus-based aid programs.

The New Freedom Initiatives also give free personal grants to disabled persons. With the implementation and changes of Americans with Disabilities Act (ADA), 54 million Americans are now given the chance to receive free funds to improve their educational, employment and social opportunities.

The above-mentioned programs are just a few of the many personal grant programs available today, backed by private or public funds. Usually established for a cause like scholarship or cancer-treatment, free personal grants are there to ease your personal needs.

Every year billions of dollars are issued in government federal grants to a variety of groups. Grants are awarded to individuals from all walks of life. Each and every day of the year grants are being awarded for an ever increasing array of purposes. As well as government grants there are also many private foundations that issue grants.

Lets get one thing straight, grant programs are not loans! Its up to you to decide how much you need. As long as the application is lawful and you meet the Foundations and Government grant Agencies Requirements, then the grant money is yours to keep. It never needs to be repaid. Best of all the this grant money is non-taxable and its interest-free!

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Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

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Home Loan: Stop paying rent and live the American dream.

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Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

Personal Loan: Short or long term personal loan.

Personal Finance: How to file bankruptcy and get free bankruptcy forms. Create a household personal budget and balance a checkbook. Get our free personal budget software.

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt help, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.

Interest rates: view national averages of credit card, mortgage, refinancing and auto loan interest rates.

2nd mortgage loan - Equity cash loan, debt consolidation, remodeling and other uses.

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Airline miles credit card - Get free sky miles and other travel rewards.

American Express(R) - Online applications for an American Express(R) card.

Annuity - Learn about annuity investments.

ATM card - Apply online for an ATM card.

Auto financing - Benefits of an online auto loan and general loan terms.

Auto loan calculator - Calculate monthly car payments and total interest paid.

Auto loan down payment - Options to get down payment money for an auto loan.

Auto refinance - Benefits of using a refinance loan to lower payments and/or interest.

Bad credit car calculator - How to negotiate with a car salesman for a better deal.

Bad credit auto loan - Understand invoice, sticker price and other dealership jargon before applying for an auto loan.

Bad credit card - Bad credit card application.

Bad credit home loan - Apply for a home loan and stop paying rent.

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Balance checkbook - How to balance a checkbook and download our free checkbook register software.

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Business loan - Get funding to start a small business or to finance a corporation.

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Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

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Christmas credit card - Apply for a Christmas credit card to make gift purchases.

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Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.

Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills

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Credit card ratings - Review consumer ratings of credit cards.

Credit card rebuild credit - Apply on the internet for a credit card to rebuild bad credit.

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Credit card statement - How to read a credit card billing statement.

Credit counseling versus debt settlement - Decide which alternative is the best option for you.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit Federal - Good or bad credit personal loan and credit card resource.

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Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Credit report errors - How to correct credit report errors yourself.

Debit card - Virtual debit card offers online privacy so you can shop anonymously.

Debt consolidation loan - Payoff bills with a debt consolidation loan.

Debt counseling - Lower monthly bill payments or reduce principal altogether.

Debt negotiation - Chargeoff debt; reduce principal owed.

Debt negotiation sample letter - Do It Yourself debt settlement.

Discount card - Enjoy discount card rewards. These credit cards offer purchase discounts that can help you save money when shopping.

Discover credit card - Review and apply online for a Discover card.

Disney credit card - Special entertainment and travel cards.

Emergency loan - Emergency cash to pay bills, get your car repaired, or for any reason.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Fix credit report - How to fix credit report errors yourself or to get help.

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Gas card - Apply for a gas rebate card.

Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company.

Gold American Express - Browse for any current American Express gold card offers.

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Government private grant foundations - Search for a grant from other foundations.

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Government veteran grant - Veteran grant programs.

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Home loan lenders - Get multiple home loan quotes with just one application.

Home remodeling loan - Use your home's equity to finance a remodeling project and increase home value.

Household personal budget - Create a budget to save money and cut expenses.

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Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

Joint auto loan - How spouse credit affects joint auto loans, and the impact of divorce.

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Joint mortgage loan - How spouse credit affects joint mortgages, and the impact of divorce.

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MasterCard Credit Card - Review and apply online for a MasterCard card.

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No deposit credit card - Get a credit card with no deposit requirement.

No deposit home loan - Apply for a no deposit, no down payment home loan.

Nonhomeowner debt consolidation loan - Options for nonhomeowners to pay off debt.

Nonprofit credit counseling - What to look for when choosing a credit counseling company.

Nonprofit debt consolidation - Advantages of debt consolidation.

No obligation credit - Get free credit offers for you to consider.

Offers - American Express - Search American Express card applications.

Offers - business cards - Search business credit card applications.

Offers - Chase - Search Chase card applications.

Offers - credit cards - Search all credit card applications.

Offers - Discover - Search Discover card applications.

Offers - Mastercard - Search Mastercard applications.

Offers - Rewards - Search reward card applicatons.

Offers - Secured/Prepaid - Search secured/prepaid card applications.

Offers - Student - Search student card applications.

Offers - Visa - Search Visa applications.

Payday advance - What is a payday advance and its conveniences.

Payday advance loans - Benefits of a payday advance loan and common uses.

Payday loan interest - Payday loans charge a fee instead of an interest rate.

Payoff balance - Tips to payoff balance of credit card debt and how to avoid the debt trap.

Pay off debt - Loan options and tips to pay off debt.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Personal loan application - Submit an online application for a personal loan.

Plan retirement - Prepare for retirement with our tips.

Platinum American Express Card - Review any current Platinum cards offered by American Express.

Platinum Chase Credit Card - Review any current Platinum cards offered by Chase.

Platinum credit card - Review any current Platinum cards offered by major credit card companies.

Platinum Discover Card - Review any current Platinum cards offered by Discover.

Platinum MasterCard Card - Review any current Platinum cards offered by MasterCard.

Platinum Visa Card - Review any current Platinum cards offered by Visa.

Popular credit cards - Browse the best credit card offers, according to other CreditFederal.com visitors.

Pre-approved credit card - Learn what is; and get accepted for, a pre-approved credit card offer.

Pre-approved loan - Typical pre-approved loan choices.

Pre-paid visa - Avoid overspending by getting a prepaid Visa card.

Prepay credit card - Menu of prepay cards by major credit companies.

Question and advice - Free online help, just submit your question and get an answer.

Reduce bills free - Tips on how to reduce your expenses to lower bills.

Reminders to pay bills - Free reminders so you pay bills on time.

Repay payday loan - Strategy to repay a payday loan.

Report credit fraud - How to report credit-related fraud.

Reverse mortgage - Information about the benefits of a reverse mortgage.

Rewards 660 - The Rewards660 card for people with credit problems.

Rewards credit card - Browse credit card rewards for people with good credit.

Savings calculator - Calculate savings (interest) with this simple tool.

Sears card - Get a retail store (charge) card.

Secured credit card - Control your spending habits with a secured card.

Secured and unsecured loan - Conventional loans explained and online applications.

Short term loan - Get a loan to meet an emergency situation.

Stop credit card mail - Stop getting credit card offers in the mail.

Student credit card - Apply for a student credit card.

Track expenses - Free software to track where you spend your money most.

Travel credit card - Get the perks and rewards you deserve to stretch your personal vacation and business travel dollars.

Unsecured cash loan - Get the loan you need to take care of unexpected bills.

Unsecured credit card - Browse the many choices and apply online.

Unsecured debt - What qualifies as unsecured debt.

Unsecured debt consolidation - Combine bills into one low monthly payment.

Unsecured debt consolidation loan - Get a loan to payoff high interest debt.

Unsecured personal loan - Your high risk loan solution for bad credit people.

Unsecured platinum credit card - Two main types of unsecured platinum cards.

Used auto loan - Apply for a used auto loan quote.

Visa credit card - Get a Visa credit card, either secured or unsecured.

Wal Mart card - Get your retail shopping card or a gift card for a friend.

When you get rejected for credit because you have high bills (poor debt to income ratio), late payments, chargeoffs and other bad credit problems, what should you concentrate on first to improve credit approval? Make timely payments on current credit accounts. The reason why is because if you cannot keep up with current accounts, it's not likely a creditor will approve you for an additional debt obligation. Your debt-to-income ratio is the measure of how much debt you carry to how much money (after taxes) you have coming in.

In the world of lending, it is acceptable to carry 25% of your income in debt. Do you spend too much of your income? Try not to exceed these suggested percentages: *Housing and utilities: 25%-30%; *Food: 10%-15%; *Vehicles: 10%-15%; *Insurance: 5%; *Saving and investing: 10%-15%; *Entertainment: 5%; *Clothing: 5%; *Medical: 5%; *Child care and education: 1%-8%; *Gifts and charity: (let your heart; and bank account, be your guide).