-Free To Low Cost Computers for Kids (click for details)
-Safelink Wireless -Free Cell Phone and Minutes For Low Income Families (click for details)
-Assurance Wireless -Free Cell Phone and Minutes For Low Income Families (click for details)
-Help For Home Owners (click for details)
-Cars and Car Repairs for Low Income Families (click for details)
-Clothing Resources (click for details)
-Christmas Help For Needy Families (click for details)
-Food Banks & Food Resources (click for details)
-Local Help in the Broome County Area (click for details)
Located in Colorado and a part of Mile High Ministries is a transformational housing program to help families move from unstable housing situations and into a more permanent housing and self-sufficiency. Families will participate in a life-building program through phases that help individuals develop and reach their goals. They offer affordable housing in a safer environment and support is provided by a Family Advocate. Program requirements: Families must have children to be admitted into the program. Acceptance of a family into the program is contingent upon criminal background reports and clean drug tests. Those with sexual or habitual violent offenses will not be accepted into the program.
Information About Low-Income Benefit Programs, Applications for State Food Stamp, TANF, Child Care, Medicaid, and SCHIP Programs.
HUD Gov subsidized housing rent based on your income
- Rental assistance
- HUD FACT SHEET – HOW YOU RENT IS DETERMINED CLICK HERE (PDF)
Improves housing conditions for the rural poor, with an emphasis on the poorest of the poor in the most rural places in the United States. They also offer services to public, nonprofit, and private organizations throughout the rural United States. And maintains a special focus on high-need groups and regions: Indian country, the Mississippi Delta, farmworkers, the Southwest border colonias, and Appalachia.
Non-profit advocacy HUD certified counseling agency, information and links. NACA is committed to working with people who do not have access to affordable credit. NACA’s participants, or “Members,” are primarily people who have low-to-moderate income, people who will live in communities that need increased rates of homeownership and revitalization, or people who have difficulty obtaining reasonable and affordable credit.
National Endowment for Financial Education, a nonprofit foundation dedicated to helping you make sound financial decisions throughout life’s ups and downs.You’ll find practical articles, worksheets, tips and valuable resources from across the Web to help you understand and manage your money.
The NFCC promotes the national agenda for financially responsible behavior and builds capacity for its members to deliver the highest quality financial education and counseling services. Call 1-800-388-2227 to speak to a counselor near you.
Get help with paying debt:
There are many ways to get out of credit card and medical debt. You can consolidate debt, get up to 60% of your debt waived or even completely eliminate your debt from various programs offered by credit card issuers, many private companies and other organizations. Many credit card issuers are now offering more assistance to consumers from credit card hardship programs and similar assistance plans.
-AskMrCreditCard -helping you understand credit cards
-Debt Consolidation, Counseling and Management - this is a great site to check out do some diging there all kinds of good info.
“Hardship Program” Contact info for major Credit Cards:
1-800-592-1160 or www.americanexpress.com/paymentplan
Note: Instant Acceptance using online link – 0% 6 months 9.99% 7-12 months.
Citi may have a 14.95 fee, but they waived it for me. Very willing to work on balance/payments
1-800-404-6220 and 1-877-890-2941
Pro-active solutions group within Chase. The absolute friendliest CSR department I have ever used. Reduced Payment & APR
Bank of America:
No instant acceptance, had to wait 5 days for letter in mail. 60 Month payoff, fixed rate. Be prepared to answer lots of questions. They may want to forward you to “non profit Debt Management”
1-(866) 567-1660 or http://www.cardmemberassistance.com
Most Credit card companies will mark your account “Closed by Consumer” when joining hardship programs. I post this advice mostly as an alternative to “Debt Management” where they charge you a month fee upwards of 50+/month to do what you can do yourself. Be prepared with your budget and basic financial info to answer questions. This is NOT a debt settlement but programs offered to save you thousands on APR rates, late fees, over limit fees and to reduce your monthly payment to better fit your budget/hardship
Government programs,loans,grants,unemployment info & more
Federal Pell Grant http://www2.ed.gov/programs/fpg/index.html
Quick information on Pell grants:
- A Federal Pell Grant, unlike a loan, does not have to be repaid.
- The maximum Pell grant for the 2010-11 award year (July 1, 2010, to June 30, 2011) is $5,550.
- The amount depends on your financial need, costs to attend school, status as a full-time or part-time student, and plans to attend school for a full academic year or less.
- Learn more about Pell grants.
- To apply, complete the FAFSA.
Federal Stafford Loans- Federal Stafford loans are fixed-rate student loans for undergraduate and graduate students attending college at least half-time. Stafford loans are the most common and one of the lowest-cost ways to pay for school. Learn more about Stafford Loans.
-State Human Service Agency Info and Links Listing of social services offices and applications online
-Department Of Labor Will assist you with unemployment, job search, job training, resumes, if you are laid off, health benefits, and disability questions etc…
Connecting the Disability Community to Information and Opportunity
-GovBenifits.gov – State Benefits
Select a State from the map or list to view a list of the selected State’s benefit programs
-GovBenifits.gov – Your Benefits Connection
most comprehensive benefit search
-GovLoans.gov – need government loans
Free Government Grants software for Personal and home use
provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.
Need A Job Read This
Looking for a job? Well your in the right place. Here are some great links that are sure to help you find the job your looking for.
Job Application Center - Find 100′s of job applications online from all of the major companies across the U.S. We provide useful tips on how and where to apply, including how to write resumes, cover letters and how to ace the interview process. For first time job seekers as well as seasoned veterans.
Help My Resume.org – Learn How to Get a Job: Entry Level Resume Writing Help
indeed.com Search 1.6 million Jobs on CareerBuilder.com. Find new employment or work. Fresh job listings posted daily. Have jobs emailed to you.
hotjobs.yahoo.com Find your dream job! Search for jobs, post your resume, compare salaries and find career advice and research. Thousands of new jobs listed daily.
Snagajob.com Search over 100000 jobs on SnagAJob.com. Find all types of employment – full time, hourly and part time jobs. Our jobs are updated daily.
bizjournals.com American City Business Journals Inc. is the nation’s largest publisher of metropolitan business newspapers, serving 41 of the country’s most vibrant …
Job Banks Listings
Upper Level Job Search
Search from 165,000 websites.
Finds jobs from thousands of other website.
Indexes hundreds of corporate employment sites to gather information on current employment opportunities.
Includes jobs listed with Flipdog and also searches company and agency sites for jobs.
Job interviews… Most of us have been on a few (or more) and many consider them to be nerve-wracking (at best) and down right painful (at worst). We can’t really tell you how to land the ideal job, but we can give you a few pointers on what to avoid.While it’s important to let your personality shine through in an interview and to be sincere, it’s not the right time to let it all hang out. Here, our list of top things to avoid uttering…
“I Need The Money…” Even if the fact that you only have $25 in your bank account is the reason you’re going back to work after a hiatus (traveling through Europe, raising the kids, laid off, etc.), don’t ever mention it.The interviewer doesn’t need to know you’re hard-up for cash. It may unintentionally sound like you’re there only to earn money and that you’re not really interested in working. The goal is to always show passion and enthusiasm for the company and the position you are being interviewed for.
“My Last Boss Was A Jerk…” Dissing your previous employer has no upside, no matter how awful he/she treated you. Even if he/she made “Ari Gold” on Entourage look like an angel, sharing the details can come off sounding rude and disrespectful to potential co-workers and those who are “higher up”on the food chain than you. So remember to ban the bad-mouthing.
“It’s Worse Than Being A Republican/Democrat…”It’s wise to remain neutral by keeping your political views to yourself. Even if you feel fairly certain that the interviewer (and company) share your perspective, this type of conversation can easily lead to major disagreements and conflict (unless, of course,you might be interviewing for a political job where this becomes very relevant).
“Thank The Lord…” It’s beautiful to have faith, but similar to discussing politics at work, religious statements, even innocuous ones, aren’t a good tactic during job interviews. They could possibly offend the person you’re meeting with, or cause them to see you in an inaccurate light.
What The Hell…” While certain curse words seem to have become part of popular vernacular, they aren’t the right way to spice up your personal sales pitch. Keep your language clean as a whistle on job interviews. There’s never a good reason to use expletives to get your point and your passion across!
“My Kid’s Always Getting Sick…” Oftentimes, a mention of kids or family may come into the conversation and it’s always nice to give a little taste of your life outside of the office. But don’t take that too far. If you mention that your child is constantly getting sick, an employer may worry that you’ll be easily absent or distracted because of it. Similarly, if your spouse or child has a chronic condition that warrants attention,save it as a personal matter. Assume that you can do the job (if you’re hired) in the best possible way without letting things on the home front interrupt you – in which case, what happens in your private time is your private business.
“A 9-5 Schedule Is Best For Me…” No one wants to think they might be hiring a clock watcher or someone who’s going to be way too eager to race out the door at the stroke of5pm. It’s not a good idea to mention that you have a class three evenings a week at 6pm either. The employer needs to feel that your job will be the main priority. Your schedule will evolve (and work best for you and the employer) once you’ve landed the gig.
“I’m Vegan…” Certain people may make false assumptions about your personality based on the fact that you’re a vegan, vegetarian, don’t eat wheat, soy, or any other type of food lifestyle you choose. It sounds silly, but find ways to let them know who you are without leaving yourself open to judgment.
“I Don’t Have Time To Read Much…” Whether it’s newspapers, magazines, the web, or books, reading is generally seen as something that increases intelligence and breadth of knowledge.You should also make it a point to do your reading homework and learn as much as possible about the employer you are meeting with.It can easily impress an interviewer when you’re up to date on current events as well as what’s new with the company and that’s pacific industry. Which means you should be reading something!
“I’m Terrified of Flying…” The job you’re interviewing for may require flying at some point, so your employer needs to know you can handle it. If you have a phobia or family situation will prohibit your ability to do your job, you should ask questions like: “How much travel will be involved, and where would I be traveling to?
”For more tips on living a stylish and savvy life, check out our Foxy website, and our latest book, Curves Rule And Flat Is Fabulous:Sexy, Stylish Looks For Every Figure. - Read more from this author
Legal Assistance Resources
LawHelp.org helps low and moderate income people to find free legal aid programs in their communities, and answers questions about their legal rights. Use the state list below or on there website to find information to help you with problems related to housing, work, family, bankruptcy, disability, immigration and other topics.
LawHelp is your gateway to America’s nonprofit legal aid providers.
SEE STATE LIST BELOW ↓ OR ON THERE WEBSITE HERE
Legal Services Corporation The LSC has over 900 offices in the nation with the intention to help bring adequate legal services to everyone. You can contact the headquarters in Washington D.C. to get more information, or visit their website at http://www.lsc.gov
-Pro Bono Attorneys – a list of attorneys who will take cases on a pro bono
basis (pro bono means- “for the public good” – used today in the context of legal work done “for free”)
©Angela Harris and Angie’s Angel Help Network, 2013. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used with written permission from this blog’s author, provided that full and clear credit is given to Angela Harris and Angie’s Angel Help Network with appropriate and specific direction to the original content.You can Also Follow Us On Facebook, Twitter, Pinterest and Google+ for updates and more!