December 15, 2007 

It's been a while since I have visited here.  The site has changed a lot and its hard finding out how to view the most recently posted comments.  But as soon as I figure it out I will try to provide some answers.

My newest blog is called The Unclaimed Money Blog with information about what the government calls "Unclaimed" Money 

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July 31. 2007

If you think that there are no grant programs out there for individuals then you are sadly mistaken.  I have found grant programs for the individual for some time now.  It does involve some work though.  You have to do your research well and weed through a lot of information. 

You can see some examples of some of the individual people that have received grants - especially to start their own businesses by going to my Grant Basics 101 page at:

http://members.aol.com/Roseb441702/grants.htm

Don't let anyone tell you that there are no grant programs out there for the individual!

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July 5, 2007

Doctors and other medical professionals (including nurses and dentists) can now apply for grant incentives if they agree to practice in New Orleans to help deal with the medical needs of the people there.  Not only is this good news for medical professionals but it is also good news to the people who are still trying to stay in New Orleans but are having a hard time getting medical care because of their inability to pay and long waiting lists.  You can read more about this program by going to my Grants Blog.

If you are a medical professional and want to pay back your student loans.....

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July 3, 2007

Many times I have suggested that people start a blog so that they could start earning money using Google's Adsense program.  That is where you put ads on your site and you get paid when visitors to your site click on the ads.  Just in case you're wondering about how much money some people are making using Adsense just click this link:

How much money people are making using Adsense

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May 7, 2007

There are also organizations out there that provide emergency financial aid for things such as a high car repair bill, car note/payment and helping those that are disabled.  For example one woman was able to get badly needed dental work that cost $700 which was paid for by the organization.
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April 26, 2007

Many people are unaware of their  Rehabilitation services in their own home town. The ones that do know about it think it’s only for helping handicapped citizens. Wrong. They are in a position to help with free surgery, dental work and much, much more.

If you are employed, but a health problem may prevent you from continuing to work, your local  center can help. Especially convenient for those who need a major operation, but have no insurance,  This center will pay for the doctors’ visits, medication, actual surgery, recuperative equipment and physical therapy, as well as major dental work, too.

Had dental problems for years? Discolored, broken or missing teeth keeping you from a promotion you deserve? Are your dental problems causing you pain? Speak to someone at your local center. They’ll help you find a dentist in your area that can fix your dental problems and get you back to work in no time.

The goal is to help those with handicaps find and keep work. Even if your handicap is temporary, such as a bum hip, they’ll help you get fixed up and back to work. They also offer vocational counseling, job matching, custom training, assistive technology and independent living help. You must be able to prove that you cannot afford the surgery yourself, and that your income is too low to pay for the treatments.

You don’t have to already be unemployed to receive assistance like surgery or dental work. You just need to have been told by a doctor that you require the particular surgery or dental work. Although they cannot just fill and cap teeth for individuals who need this type of work, they can help you get major dental work done if it is preventing you from going to work because of pain. They can also assist you with dental work if it’s keeping you from being able to work in a field in which you’re qualified, but overlooked, because of your dental appearance

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April 3, 2007

A little-known grant program is available for disabled veterans to help them  get started in their own business. The grant may be limited to $10,000 and can be explored by contacting the VA Office

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February 27. 2007

You may be eligible for temporary assistance which is available for needy families from a federal program that will provide a monthly cash grant and medical care to families with children who have experienced a sudden drop in income due to the loss of a spouse or job. The amount of the monthly grant depends on the number of people in your family and any income or savings you have. Contact your local social agency.
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February 23, 2007

Note:  I do answer each and every email that is sent to me.  It may take time for me to get to your email but I will get to it.  More information about grants can be found at:

http://members.aol.com/Roseb441702/grants.htm

There you can find the most basic questions about grants and grant programs in general.

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February 15, 2007

If your family of 4 made less than $2000 this month (or if you as an individual made $1000) you may be eligible for one of the government's nutritional programs.  You may be eligible for up to $500 in food/groceries.
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February 9, 2007

If you are age 65 and older and live in the NJ area there is a program to help provide you with a wheelchair with no cost to you.  Please contact your local social agency to find out more about this program.

Grant Programs For Individuals

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In honor of Martin Luther King Jr. Day, I have included his famous speech "I Have A Dream" to my Internet Radio Station broadcast.  If you would like to hear this famous speech just visit the station's page at:

http://members.aol.com/Roseb44170l/radio.htm

There is so much mis-information about grants!  Yes there are grants out there BUT there is no one place that you can apply for them.  Each organization whether it be the government, foundations or even big businesses and corporations each have their own individual criteria as far as to what you will need to apply.  Some financial funding programs start their application process with a simple letter of intent and yet others require specialized and quite a bit of information in order for your application to be considered.  The rest of the programs fall somewhere in-between.  There have been grant programs where farmers (or even those that weren't farmers but had the ability to) have received monthly checks to grow weed!  In another case a man got so much grant money that he gave some of it back!  He said it was too much.  In another country a witch got a grant (yes, a Witch!) to start her own business selling potions and other related services!  So yes there are grants out there!

You can also listen to my Internet Radio Station - LaMott, PA! by going to:

http://www.live365.com/stations/roseb44170

CRISIS -----ABUSE--- ELECTRIC IS GOING TO BE CUT OFF---NO HEAT-----NO WATER---SHELTER----LAID OFF--LOST JOB--CLOTHES--HOT LINES----LOST CHILD--CUSTODY--HEAT--SAFE HOUSE--WOMENS -CHILD ABUSE -SHELTER--HELP--PROBLEM KIDS--ANGER--HELP--AID-CRISIS---HOW TO GET A JOB WITH CRIMINAL RECORD--HANDLE A DEBT COLLECTOR---WHAT TO DO FIRST IF YOU JUST CAN'T THINK ANYMORE

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Also , for information that will help with day-to-day living as a low income person , go to this page :

http://national-resources-for-low-income-individuals.app-just-trying-to-help-1.aidpage.com/

I USED TO HAVE PART OF THIS PAGE IN SPANISH , BUT I HAVE FOUND MY TRANSLATION WAS NOT VERY GOOD. HERE IS A SITE WHERE YOU WILL GET TRANSLATION HELP FOR THE WHOLE PAGE :

 TENÍA PARTE DE ESTA PÁGINA EN ESPAÑOL, PERO HE ENCONTRADO MI TRADUCCIÓN NO ERA MUY BUENO. AQUÍ ESTÁ UN SITIO EN DONDE CONSEGUIRÁS LA AYUDA DE LA TRADUCCIÓN PARA LA PÁGINA ENTERA: 

GOOGLE LANGUAGE TOOLS

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IF YOU ARE HOMELESS AND NEED HELP GO HERE :

THE WORKING HOMELESS TONS OF INFORMATION AND NETWORKING

FOR DISASTER ASSISTANCE

NATURAL DISASTER ASSISTANCE

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  IF YOU ARE NOT BEING ABUSED , SCROLL PAST THE NEXT SECTION TO THE THREE LINES OF BLUE STARS*******

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IF YOU ARE BEING ABUSED

 Domestic Violence Hotline:
800.621.HOPE (4673)

Before ANYTHING  ELSE if you or your kids are being abused ;BREAK THE SILENCE ! If you can, leave and go to a safe place.  NOW.

• This can be anywhere the abuser can't find you or where you and your children will be protected.  Transition Houses are good choices for a safe place to go.  Never leave without taking your kids.

•
If you can, call the police or ask someone to call them for you.
• If you are in immediate danger dial 911.. You have the right to report an assault to the police.

 
• If you can, call a support line:  This is the National Domestic Abuse Support Line :

1-800-799-SAFE (7233)
1-800-787-3224 (TTY)

See your doctor or go to a hospital
• You can choose to see a Doctor or go to the hospital regarding your injuries without making a police report.

 
• If you choose to file a police report, all injuries need to be reported and documented.
 
• You need to make sure your injuries, or those of your children, are not serious or life threatening.

 See a Lawyer

• You may need to get a restraining order.
 
• You may need to get an interim custody order.
 
• You need to know your rights.

 □ Legal documents:
               Marriage license, divorce or separation
                        Papers, custody agreements, court orders

□ Driver’s license or photo identification

□ Birth certificates:
     Yours and your children's

□ Passports: 
     Yours and your children's

□ Immigration papers:
      Yours and your children's

□ Social Security Cards
     Yours and your children's

□ Money, check book, credit cards

□ Bank book, bank statement

□ Lease, rental agreement, house deed

□ House keys, car keys, safety deposit box
     Key

□ Address book, phone numbers
      Include friends, family members and
     Others who may be able to offer you support

□   Medications, medical records:
     Yours and your children's  

*It is not your fault or you kids fault.                           

       The abuser is the one with the problem*

When I left my home with my daughter to escape an abusive husband , I didn't want to go to a shelter . I was afraid of what it would be like. I moved in with different friends instead. My friends were really kind and helpful , but it did put alot of pressure and stress on everybody.

I look back and think that I should have done it differently. A shelter would have had all the things my daughter and I needed at the time : counseling , help with what to do next , other women and kids who could relate., and a place to stay at least for a while (we lived with 5 different families. They were wonderful , but kind of passed us around from family to family -we all knew each other and everybody wanted to help.This gave everybody a chance to help , but left my daughter and I with an even more lost feeling.)

If you are afraid of going to a shelter , don't be. They have heard every story in the book .  

Here is an idea of what it will be like :

SHELTER TOUR

This page has state-by state domestic violence contacts and resources :

DOMESTIC VIOLENCE RESOURCES FOR EACH STATE

Do you have more questions about abuse ? Go to this site and look on the left side bar.

WINGS PROGRAM RESOURCES

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How to make decisions in the middle of a crisis.

Here is another good site that lists steps to making a decision. Sometimes when we are in a crisis situation , it is so hard to think about anything. This page  helps put some order in what we should do about those hard decisions that come with a crisis.

MAKING DECISIONS.

COPING WITH JOB LOSS

You are free to print the following information provided you have left the byline in tack (Copyright Pat Mistretta 2005, All rights reserved)

STEPS TO TAKE WHEN YOU HAVE BEEN LAID OFF

Unfortunately, in today's economic climate, layoffs are happening to many people.  Some might have seen it was coming, while others were caught off guard.  Either way, it can be a scary situation.  Here is some helpful information and things you should do when you have been laid off:

1.         Get a letter of recommendation from your employer.  Obviously, you have been laid off through no fault of your own.  It would be a great asset for you to have your employer give you a letter of recommendation to give to a prospective employer.  It would also help if the employer states in the letter of recommendation that you were terminated due to a layoff.

2.         Ask your current employer if he has any business referrals or recommendations on other places to seek employment.  Perhaps he has a business colleague that can use your services.

3.         Find out what kind of severance package you will get, if any.  If you have insurance, you will be eligible for COBRA benefits.  Although COBRA benefits can be expensive, it will carry you through until you are once again employed and covered by your new employer.  If, by chance, you cannot afford your COBRA premiums, you should look into short-term insurance coverage.  Bear in mind that most short-term insurance policies will not cover pre-existing conditions.  Another viable option is to check into health insurance "plans."

4.         Apply for Unemployment Insurance and Benefits.  More than likely, you will qualify for unemployment benefits.  The eligibility requirements differ from state to state and it is important that you contact your local unemployment office right away.  This should be your first step, especially since it will take a few weeks for the processing and until you see your first check.  Some states will require you to go into their office to apply, while others will allow an application done on the phone.  Either way, if you have access to a computer, it is important that you go to the Department of Labor's website (http:www.//dol.gov) to get information pertaining to your state.  Or, you can contact them directly at:  1-877-US-2JOBS (TTY: 1-877-889-5627).

5.         The Department of Labor also has good career information which can be found at: http://www.careeronestop.org/.

6.         Another helpful site on unemployment is the AFL CIO.  They offer a handbook on unemployment, as well as resourceful articles.  More information can be found at their website:  http://www.aflcio.org/yourjobeconomy/help/.

7.         Update your resume.  It is extremely important you have an updated resume.  Make it clear, precise and professional.  There are many sites offering assistance on creating a resume.  Monster (http://www.monster.com) and Hot Jobs (http://www.hotjobs.com) offer free resumes that you can create, and post to their websites.  Higher versions of Microsoft Works also have resume programs available right in their software.

8.         Get an email address.  The majority of employers are accepting resumes through email.  This is much faster than sending your resume through the postal service.  You will need an email address in order to not only send resumes, but to receive replies.  There are numerous places online to get free email addresses.  The most common sites are:  Yahoo! and MSN Hotmail, although you can get a listing of other available websites for free email addresses at:  http://fepg.net.       

9.         Seek jobs online and through the classifieds.  Online job searches are the most popular and there are many websites dedicated to seeking employment.  The more popular, online employment websites are:  http://careerbuilders.com, http://hotjobs.com, http://monster.com, and http://jobs.net.  The classifieds in your home newspaper is also a good place to seek employment.  You can either look for employment in the newspaper or at the newspapers online website.  If you are seeking a job in another area, you can check out that areas employment site directly online.  To find a listing of all newspapers, check out this website:  http://usnpl.com.

10.        Register with professional employment agencies.  There are numerous, private agencies available for employment.  Some might require a small registration fee, while others are totally free.

11.        Cold calling.  Stop by other corporations and companies that are similar to the place you have been working at and drop off a resume.

12.        Make sure you have an answering machine or voice mail.  This will be particularly helpful when you are not home to make sure you do not miss out on any important calls relating to employment.

13.        Review your finances.  This is the time for you to know exactly what kind of financial situation you are in.  Make a list of all of your assets, as well as your monthly bills.  If you can, contact your mortgage company or landlord and alert them to your situation.  They might be willing to work something out with you until you find other employment.  It would also be wise to contact your credit card companies, as well as your insurance carrier and bank that has your car loan to see if they will offer you any extensions.

14.        Adjust your standard of living.  This will be the time when you will have to temporarily cut back on unneeded expenses.  Determine which things can be temporarily eliminated and cut back.

15.        Further your education or training.  When you are not seeking employment, this could be a good time to check into the possibility to further your education and/or training.  When you apply for unemployment, ask if they have any programs available to assist you.

16.        Be focused and determined.  Whatever you do, keep your wits about you and know this is only a temporary situation.  Be thorough and consistent in your job search.    Good Luck!

Copyright Pat Mistretta 2005.  All rights reserved.

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How to feed a family on the lowest budget possible.

Starting from scratch , without any food at all , the following site tells how to feed a family of 4-6 for a whole week , including snacks for between 45-51 dollars.

That's where this site comes into play.  We are designed to help you reduce your grocery bill as low as it can go.  It won't solve all of your financial woes, but it may give you some breathing room so you can make a significant dent in your situation.  We teach you the best foods to buy on a budget and how to cook them so the family will be better fed than they've been in years.  You'll find tips and techniques here that you won't find anywhere else on the web.  Everything here is free, provided by God's grace.  If the information you find here helps you and your circumstances, then please share what you have learned with others, so they too can benefit from your new knowledge.

--Miss Maggie

HILLBILLY HOUSEWIFE HOW TO EAT WELL ON AN EXTREMELY LOW BUDGET

How to Get a Job With a Criminal Record

HOW TO GET A JOB WITH A CRIMINAL RECORD

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WHAT TO DO IF YOU HAVE NO ELECTRICITY, This list is for surviving a 'brown out , or black out' when electricity goes off in the whole city. But , you can use it for when you can't pay the electricity bill and you want to know how to survive.  :

NO ELECTRICITY

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HERE IS A GREAT LINK WITH LOTS OF IDEAS ABOUT EMERGENCIES AND SURVIVAL IN HARD TIMES :

EMERGENCIES AND TOUGH TIMES

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NO HEAT , OR  PREPARING FOR WINTER EMERGENCIES :

PREPARING FOR A WINTER STORM OR NO HEAT

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THE POWER GOES OUT UNEXPECTEDLY

STEPS TO TAKE IF THE POWER GOES OUT

Here is another good list of steps to take in a crisis. It helps to have lists when you are stressed , so that you don't forget any important things you need to do.

SURVIVING A PERSONAL CRISIS.

CRIME VICTIMS

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 Are you a victim of any kind of crime ? Here is a page full of helpful links , courtesy of Elaine of TSA :

http://www.nacvcb.org/statelinks.html

This page is the best on the web page with links to child abuse and neglect.

CHILD ABUSE AND NEGLECT LINKS

CRISIS HOT-LINES

HOW TO HANDLE DEBT COLLECTORS

Being in debt is stressful enough , then you have to face talking to debt collectors , who are only 'doing their job' , but are stressing YOU out BIG TIME !

Here are some pages that will help . I hope : )

HOW TO TALK TO A DEBT COLLECTOR

The Fair Debt Collection Practices Act                             was passed in 1977 to protect consumers from abusive debt collectors. Here's a closer look at the rules a third-party debt collector must follow when collecting a debt.

Contacting a debtor. A collector may contact you in person, by mail, telephone, telegram or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.

Contacting a third party about your debt. If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people but only to find out where you live, what your phone number is and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.

Giving written notice. Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe, the name of the creditor to whom you owe the money and what action to take if you believe you do not owe the money.

When a consumer doesn't owe the money. A collector may not contact you if within 30 days after you receive the written notice you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.

No harassment Debt collectors may not harass, oppress or abuse you or any third party they contact.

Debt collectors may not:        

•  Falsely imply that they are attorneys or government representatives.
• Falsely imply that you have committed a crime.
• Falsely represent that they operate or work for a credit bureau.
• Misrepresent the amount of your debt.
• Give false credit information about you to anyone, including a credit bureau.
• Send you anything that looks like an official document from a court or government agency when it is not.

Debt collectors may not state that:

• You will be arrested if you do not pay your debt.
• 
  They will seize, garnish, attach or sell your property or wages unless the collection agency or creditor intends to do so and it is legal to do so.
• 
  Actions, such as a lawsuit, will be taken against you when such action legally may not be taken or when they do not intend to take such action.

No unfair practices

A debt collector may not engage in unfair practices when they try to collect a debt from you.'

Debt collectors may not:

• Collect any amount greater than your debt, unless your state law permits such a charge.
• Deposit a postdated check prematurely.
• Use deception to make you accept collect calls or pay for telegrams.
• Take or threaten to take your property unless this can be done legally.

Source: Fair Debt Collection, a brochure for consumers from the Federal Trade Commission. (ALSO FROM THE SAME SOURCE AS THE LAST LINK ON THIS PAGE. THIS IS WHERE THEY GOT THE INFORMATION )

 
   Here is a really good page by a lawyer on how to handle debt collectors. Some points that I like : You do not have to talk to a debt collector on the phone. It is better to deal in writing. If you do talk on the phone ,write down everything the debt collector says ,and ALWAYS write down their name and company and their supervisor , if they will tell you.
 
 
 MORE WAYS TO HANDLE A DEBT COLLECTOR
  
 
 

 

 FOR MORE HELP WITH DEBT PROBLEMS ,THIS IS A GREAT SITE :

CONSUMER CREDIT COUNSLING SERVICES (NONPROFIT)
 

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IF YOU NEED HELP WITH FOOD ,CLOTHES , HOUSING.

TRY THESE LINKS.

ONE IS MY HOMEAIDPAGE       

( NOT JUST FOR SINGLE MOMS.HAS TONS OF GENERAL THINGS TO DO FOR HELP)

SOULIGHTS AIDPAGE

You should also contact any human services agencies in your state that may be of help to you . Here is a list of all states and helpful phone numbers/contacts for each state :

CONTACTS FOR STATE HUMAN SERVICE AGENCIES

IF YOU NEED ENCOURAGEMENT , HERE ARE SOME PLACES ON THE NET THAT HAVE HELPED ME :

ANNIE'S PAGES ARE ALL WONDERFUL . HERE ARE 2 THAT ARE ESPECIALLY ENCOURAGING :

ANNIES COMFORT PAGE

ANNIE'S LIST OF ENCOURAGEMENT PAGES

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For more help with almost everything , click here :

MORE PAGES FOR FREE HELP

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I got started doing grantwriting work when I was looking for resources to help my mother and other family members. I was quite surprised at the number of programs that were available - some of them requiring no more than filling out a few forms. As I started to work from home other people starting asking me about how they could work from home and that began my consulting business. There were lots of "stories" about grants so I decided to find out for myself what the truth was and the truth was (and still is) that there are grant programs out there for just about any endeavor whether it be for-profit or non-profit! I have gotten many individual grants for others so I know that the programs are out there. So then one day someone called me a scam and that let me know right there that I had chosen the right career! People want the information but they don't want to take the time and effort to find it and that is just what they are going to have to do if they want to apply for these grant programs. I really couldn't be objective on the courses because I took my own route as far as the grantwriting is concerned. Nothing is more better than actual experience and actual results. Every individual has a different story/circumstance and truly you will have to decide for yourself.

Contributed links:

SOMEONE PLEASE HELP ME!!!!

Recently, I lost my job as a Registered Nurse. Before I was laid off of my job, I was in the process of rehabbing my first home. However, my home collapsed, I lost my job and now I am stuck with a mortgage of $1000 a month to pay(in which I haven't paid for in five months).  My boyfriend left me and his unborn child for another woman. It has been about six months since of this has happened to me. I have no one to even call on to help me get through this crisis. I just found out that I may lose my baby because I am not intaking the proper nutrients needed for healthy baby. Currently, I'm living with my girlfriend who has four children and is struggling.

I need help!!If you could donate $1.00 or more to help me get out of this crisis, it would be greatly appreciated. 

I worked all my life and suddenly at 52 years old i'm struggling just to survive. I Worked two jobs and on December 6th, 2006 I was injured on the job. I suffered 3 hernerated disc and a nerve impairment. My employer had no workmans comp insurance. I got a lawyer because the medical bills were piling up, my bills weren't getting paid and i went through everything i had including selling everything i owned. Now on june 1st 2007 I finally had a cervical fusion. Right hand is still not working right because of the disc that was crushing my nerve. Now i'm going to therapy and doctors still advised me not to work. I filed for ssd but that takes forever to get or fight for! Now i have nothing left but hope and prayers. I can't pay this months rent or utilities and my car faces  a default of 3 months. I need an angel!   

a dollar would even help for gas

www.paypal.com 

my email - lgreenw@yahoo.com

WE ARE A HAPPY FAMILY OF 5. I HAVE 2 ADDITIONAL CHILDREN LIVING OUTSIDE THE HOME. I AM FROM TAMPA, FLORIDA AND MY WIFE IS FROM MARREKASH, MOROCCO. WE HAVE 2 GIRLS AND A BOY. MY OTHER 2 ARE ALSO GIRLS. THEY RANGE IN AGE FROM 10 TO 2.

I WAS INVOLVED IN AN ACCIDENT WHICH LEFT ME UNABLE TO DO VERY "HARD WORK" DUE TO MY BACK AND NECK INJURIES. I HAVE HAD TO TAKE A JOB OF LESS PAY. AND WITHOUT A CAR, IT HAS BEEN VERY HARD TO GET A BETTER PAYING JOB. WE ARE IN DESPERATE NEED FOR FINANCIAL HELP AT THIS TIME. MY WIFE AND I BOTH WORK F/T WITH A COMBINDED INCOME OF $450. A WEEK. WE DO NOT OWN A CAR AND UTILZE THE PUBLIC BUS TO DO EVERYTHING. WE LIVE IN A TINY 2 BEDROOM 1 BATH APARTMENT OWNED BY A "SLUM LORD" WHO JUST RAISED THE RENT AGAIN. I HAVE $650. A MONTH IN CHILDSUPPORT THAT I PAY TO MY 2 GIRLS LIVING OUTSIDE THE HOME. WE PAY $650 A MONTH FOR AFTER SCHOOL DAYCARE. WE WANT HELP WITH A CAR AND MOVE-IN EXPENSIS TO A BIGGER, CLEANER AND SAFER HOME TO RENT. ( AT LEAST A 3 BEDROOM 2 BATH. EVRYTIME WE THINK ABOUT IT, REALITY SETS IN AND TELLS US THAT WE ARE STUCK. AT $450 A WEEK, WE PAY OUR BILLS ONLY AND NEVER HAVE ANY TO SAVE FOR A CAR OR MOVING EXPESIS.

ANYTHIG YOU CAN DO TO HELP US WE ARE SO VERY APPRICIATED AND THANK YOU ALL IN ADVANCE FOR YOUR GENEROSITY.

Loving father and husband.

51 years old female who has lost everything in life that mattered including my son who died several years ago in the marine corp at the age of 22. I lost my job in 2004 after the company closed its doors, I worked there for  over 20 years. It took me over a year to find jobs, I was always over qualified. To me they were looking for somebody younger. Then I took on two part time jobs in 2006 to try and make ends meet, and recently got injured on the 6th of Dec 2006. I have 3 hernerated discs and a nerve impairment, been going to therapy and getting epidural injections.  my employer did not have workmans comp insurance. Had to hire a lawyer but thats a long drawn out procedure.  Recently on June 1, 2007 I had a cervical fusion and doctors still won't let me work.  now its almost the end of august and i'm desperate for alittle help. Curently I have No money to pay bills of any sort.....car payment behind 2 months now, rent due, utilities with shut off notices and scraping up money to pay for gas. I have tries so called agencies to help but they say theres no money or a waiting list.  I have given all my life and now I can't find any open door's. Linda

even a dollar would help

www.paypal.com - lgreenw@yahoo.com

Hi I am a 41 year old mother who has worked my entire life. I have 2 daughters 18 and 21 and an 8 month old grandson living at home with me.  My situation happened about 9 months ago. I was working as a loan processor for a mortgage broker and one day I showed up to work and the doors were locked, my boss bounced the rent check. Needless to say I no longer had a job. My paycheck bounced also. Well, I went on unemployment and had a little savings. I had just had this new grandbaby to take care of and my daughter and I could not afford the daycare and she was nursing her son too. So I hit the pavement hard and sent out resumes and went to doors and made phone calls. I had no luck, the only thing I really know how to do involes the mortgage industry, and it is dying. To make a long story short this went on for months, my unemployment ran out and so did my savings. I took little part-time jobs here and there just to keep my head above water but wasn't making enough to pay everything. (By the way I have muscular dystrophy and 12 years ago qualified for SSI and turned it down because I wanted to work. So I have to take 120mg of Morphine everyday so that I can function normally and work hard like everyone else.) I have never asked for a handout, in my life. I finally had to apply for food stamps which they still haven't gotten back to me on. it has been over a month. ( i have lost a lot of weight, haha! trying to look on the bright side.) I went to a crisis center that says they help people with their bills. They told me I don't meet their criteria because my crisis didn't happened within the last 30 days! Can you believe that, I have been working and trying as hard as I can for months so I didn't have to go for help and then when I can't do it any longer they say I don't qualify!! I told them if I lost my home because I can't pay it they would help me after I became homeless but they won't help me to keep my home by just giving me a little hands up? They actually said after I lost my home then they would help me find programs!! Can you believe that? I only need help with just one mortgage payment. I am 2 months behind but if I could at least pay 1 month, it would help me get back on my feet so I wouldn't be so far behind and then I could catch up. I even told the Crisis program that I would make an arrangement to pay it back once I got back on my feet. Can someone out there please help me? I only need 1 month mortgage payment to keep my house from going into foreclosure. As long as I am not 3 months behind it should be okay. If I keep it at 2 they won't take it away. Oh and as far as my other daughter, she just moved back in because she hurt her knee and has to have surgery but she is also looking for a job so she can try to help out.  The one with the baby just started a job. So you see we are on the path to recovery but as far behind as I am right now I just don't see how I will ever catch up unless someone can just help us a little bit. Whomever has taken the time to read this I thank you very much, and I hope to oneday be back to where I used to be and if I have the ability I definitly want to help someone else.  My Mortgage payment is $714.82, it's not to bad it's just I have had to keep the lights on and pay my car payment, because of my MD I am not able to walk to take the bus.

I am in a difficult situation as my partner recently left me and has also left me with all the debt.  I cannot get any money from him and I don't have anywhere to turn.  I have talked to the bank about a loan - I need about $1200 to get back on my feet (not a lot by Western standards, but the wage in Latvia is about $400 a month...), but the bank says I don't have any collateral and won't help.

I have to pay everything this month or I could lose my apartment and I don't know what I will do since I am a freelancer and work from home...  I have been working overtime, I do work hard, but since he left me with with all the bills, i am barely keeping my head above water.  Nothing I try is getting me out of the hole which gets deeper by the day...

Once I am back on my feet, I promise to help others in the same situations....

To anyone who reads this,

My husband of 26 years had a stroke leaving him with paralisis on his right side. Papa was the breadwinner in our house, for 20 out of 26 years as  I injured my back years ago. We have five children, 3 who still are at home.

We were low income family but always made do and got by, but now it is terrible my husband's disability pay is half of what he used to make.

I am doing this to help Papa. He wore 2 pairs of socks both with holes in them but one would cover up the other hole, he stood by me in sickness and has always been ready to help my family and others when called upon. Now it is his turn and I stand praying asking for divine intervention and hoping that anyone reading this will be part of this divine intervention.

desperatly needing (wanting) to provide my children with a christmas.  I'm in Houston, does anyone know where I can turn?

I do not like to ask for help, but I am at my wits end. I started a new career this year that is commision only. I make about $100 per week but pay that in my equipment rental and fees so I basicly work 40 hours a week for nothing. To make it worse, my husband was laid off a couple weeks ago and then got rehired. He worked again for a couple weeks before they let hime go again. He does construction and that in our area is very limited. I am feeling the sharp edge of the economic crisis right now. I have extended all other sources for help at this point. I cannot get a loan of any kind due to my credit that has been ruined because of our past 2-3 years of terrible income. I have unpaid debts coming out my ears not to mention utilities that will be turned off within the next week or two. I do not know what else to do. Can anyone help or offer suggestions. Does not have to be charity. I will pay back, but you have to understand that it may not be payed back immediately, I have to get back on my feet. $5000 would change my life and get me and my family back on our feet, but even a couple dollars may help my kids get fed another day. I do not receive any state or government assistance. We have tried but they say we do not qualify due to my self employment. My children are 3, 7, and 9. We live in Northwest FL. Please! I will give my name and other info if you email, I choose not to post my name for privacy. Thanks

pleasehelpus@cox.net

I was married 10 years ago i got sick lost my job then after several month recovered and my wife filed for divorce we were both given debts in our divorce decree i got mine paid off she didnt pay hers i was notified in november of a company that said they hired a private firm to serve me papers for court i was never served and knew nothing about the court date now i have a garnishment against my wages 25% of every check goes to this. ive spoken with lawyers and they say my only recourse is to file bankruptcy because it would be fruitless to try and fight this in a lawsuit because they say its my word against theres. I pay 566 a month child support 348 a month for my car and all my other bills but when i lose on average 800 a month because of this i cant even hardley survive. im behind on everything because of this i have worked hard to get to where i am and to be losing it because of my ex wifes carelessness is killing me im stressed sick and feel like im losing it can anyone help any amount will be helpful  even if i have to file bankruptcy. this is not a scam its on www.casenet and on www.digitalcharity  i just really need help ive had nothing but scammers on the other site please if you can help please do or if you know someone that will. I will be eternaly grateful and will update this as i receive help from anyone with name or however you want. Thank You

You don't know me but I'm sure you know others like me.
We are the people who live in poverty everyday of our lives.
Last year my husband saw my uncle out(noone had seen him for some time) and he found out that my uncle had been living on the street.
We took him in not knowing the extent of why my uncle was homeless-he was an alcoholic and had terminal cancer.
Eventhough we barely were getting by we gave him a home and I took care of him the best that I could with the limited knowledge of the disease that I had.
He was with us a year before succumbing to cancer and liver failure.
The past year has taken it's toll on us mentally, physically,emotionaly, and financialy.
The family refused to help pay for his funeral eventhough he was their brother and we were stuck with the bill.
We took out a car loan to make a down payment on his funeral and have been trying our best since then to stay afloat.
The beginning of june they turned off our water and now we are facing a car repo if nothing works out for us.
Our internet is 2 months behind and I am sure will be turned off anytime.(I am not asking for help to keep the internet-it's not important to us)
What I would like is to be able to take a hot shower instead of leaving jugs of water outside to get warm enough to wash up.
Water back on would help alot!
We only have the one vehicle between us and it would help to be able to keep it from being repoed.
It would also help to get some groceries as we have been limited to potatoes,ramen noodles and instant oatmeal for awhile.
What it would take to get everything caught up and get us back on our feet again would be about $500 dollars.
That may not seem like much to you but it would mean the world to us.
Our incomes combined is only around 1000 or so a month and after paying rent and utilities that doesn't leave much for gas and groceries let alone water.
I used to have such a different outlook about this world but when your down it seems people like to keep you there.
The ones I've came across has done nothing but ridicule me for taking my uncle in knowing the burden it would place on us.
I don't regret it for one moment and if given the chance I will do it again for someone else in need.
Please help restore my faith in humanity and help as you are able even if it's just some kind words of encourage ment or prayers.
I will be able to get back on my feet again and I promise you what is done for me will be repayed to others! god bless
my paypal is mzjonz77@yahoo.com

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I am a 27 year old man, living on my own in Florida.  My roommate took off and took everything with him.  Including my check book which he used to write himself a check and drain my account of every penny.  He took my car, my tv, my laptop, everything I own.  He left me with my dog who was actually my grandfathers dog.  My grandfather died 6 months ago and this dog was his life.  Well the dog was scheduled for surgery on Monday because he has intenstinal issues that could kill him and now I cant even do that.  My rent is due tomorrow, my car payment is due and I have no where to go.  My grandfather was my last living relative and I dont know what to do or how I will go on.  Can anyone help in anyway?  I would be the most appreciative and I would do whatever I could to return your kindness

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