Free Money 0945661290, 9780945661290

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NFT / Pase Financial Services

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FREE MONEY Written By: Dr. R.F. Direct

Pase Publications

All rights reserved by Pase Publications. Printed in the United States of America. Except as permitted under the Copyright Act of 1976, no part of this publication may be reproduced or distributed in any form or by any means, or stored in a data base or retrieval system without the prior written permission of the publisher.

ISBN: 0-945661-29-0

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ABOUT THE AUTHOR All of the career guides which are published by PASE Publications use the author name of Dr. R.F. Direct. Dr. R.F. Direct is a nom de plume for an individual researcher or research team assigned to this or any of our entrepreneur/career guides. This pen name is used since each publication is generally a group effort . . . from concept to press. Researchers/writers are either staff members of PASE Publications, free-lancers who have done technical writing for major corporations or individuals with credentials and credits which may include the Chicago Tribune, the Chicago Sun Times and major national magazines. Consequently, PASE Publications spends tens-of-thousands of dollars to research, write, edit and print a new edition on any given topic. From our pool of talent, we cull the best for any given publication assignment to insure that you get a premium product which offers you a solid career opportunity.

NOTE: Although this publication was compiled to provide accurate plans and sources of information, it is sold as information only, with the understanding that the publisher is not engaged in rendering business, legal, or other professional services. All opinions and recommendations given in this literature are based solely on the author’s experiences, and research believed to be reliable and accurate, but not any assume cannot publisher The infallible. responsibility, or guarantee any contracts or dealings made with sources given in this publication. The

reader is acting on his own risk and all examples and investments mentioned in this book have been chosen only to demonstrate given points.

TABLE

OF CONTENTS

INTRODUCTION SECTION I: GRANTS SAINT

..

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SHOW EVERYONE

What is a Grant?

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88232 99556 50502 53656 53439 45056

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_ Free Products & Stuff

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Free Utilities FREE HOUSING

not only means reducing the money you pay out for the actual structure that you live in, it also means reducing the cost to maintain that structure. All of us pay utility bills - heating, air conditioning, phone, electric, gas, etc. Every penny that we can save on these utilities can be put to our luxury item purchases. These strategies seem like they may only save pennies, but those pennies add up to a lot of extra cash in your pocket at the end of the year! Saving energy in these days of high fuel costs makes sense - and you can spell that cents! A very helpful brochure on how to stretch energy resources and put money in your pocket is published by the Canadian Department of Energy, Mines and Resources. You can send for a free copy of Free Home Energy Helper by writing to: Free Home Energy Helper, 580 Booth Street, Room 828, Ottawa, Ontario,

Canada K1A0E4.”’ Another free book for Americans who want energy independence is: Energy Independence, 1629 K. St., N.W. Suite 500, Washington, D.C. 20006. There are hundreds of new technologies available to help you lower energy bills. There are gadgets that let you extend the life of lightbulbs, save hot water, reduce the water used by your toilet, etc. For a free catalog of these energy-efficient items for your home, contact: Real Goods, 966 Mazzoni Street, Ukiah, CA 95482, 1-800-762-7325." Here are some additional tips for saving energy:

°

Always check the "EnergyGuide" label when purchasing a new appliance. This system was established by the U.S.

490

Free Money Department of Energy and the Federal Trade Commission. The guide gives comparisons of long-term energy costs with the purchase price. Look for a high EER - Energy Efficiency Rating. Appliances with high EERs may cost more initially but will save you money in the long run. If you can cut the cost of running a dishwasher by 28%, you will save $25 per year. Perhaps the appliance cost $50 more, but that extra cost will be made up in two years. Thereafter, the appliance will still continue to save you money each year. Usually appliances with a higher EER are more durable and will also last longer than standard appliances. Do regular maintenance on all appliances. Replace filters and gaskets on a frequent basis. Use appliances in non-peak hours. Many gas and electrical companies will charge higher prices for usage during peak hours. Try to gauge your usage with the weather as well. If it is hot outside, don’t run the clothes dryer until the cooler evening hours. If it is cold, use the dryer to let some of the heat warm the house.

When planning remodeling, try to be energy conscious. Don’t plan a kitchen

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where the stove and refrigerator are next to one another. The heat from the stove will cause the refrigerator to work harder to maintain its temperature. e

Whenever possible, use your smaller appliances. Small appliances use less energy.

°

Use fluorescent light bulbs instead of incandescent lighting. These _ energyefficient bulbs will save more than $50 in electricity over the lifetime of the bulb.

°

Insulate your home as much as possible. There are many guides on the market that will tell you how to accomplish the greatest savings.

Free Wood

There are 154 National Forests across our nation.” In most of the forests, wood for personal use is free. All you have to do is go in and get it. Usually it is necessary to get a permit from the local forest ranger so that they know what you are doing. To find out how you can get free firewood and also how to select, purchase and use firewood, ask for "Firewood for Your Fireplace" and "Firewood from National Forests" free from: Firewood #559, Forest Service, P.O. Box 2417, Washington, DC 20013.

FREE TRANSPORTATION Now that we have reduced the expenses of a place to stay, it’s time to turn our attention to reducing the

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costs of getting around. Transportation is a big cash drain for most of us. It costs us money to buy a car and keep it running. It costs a lot of money if we need to fly on an airplane. Here are some ways to get FREE TRANSPORTATION. Save Money When Buying a Car Under Section I, information detailing how to form a non-profit organization was given. A non-profit organization enables you to qualify for a larger number of free money government and foundation grants. However, by forming a non-profit organization such as a church or a school, you can also get a free Cadillac, Mercedes, or other fine luxury car every year! The church or school will supply you with a vehicle for church work. Under IRS codes, these vehicles may also be used for personal errands. Another way to obtain a free car is to work with a local car dealership - one that carries the cars you would like to own. Strike a deal that you will be furnished with a NEW car to drive every year if you sell so many cars per year to your friends, relatives, etc. You won’t own the car - just be allowed unlimited use. If you can, even arrange for the dealership to carry the bulk of the insurance coverage necessary. In this way, you will be able to drive the car of your dreams without the expenses. Since the car is not in your name, you will not have to pay personal property taxes, registration fees, license plate costs, etc. It will save you a great deal of money and provide you with

free transportation. Since the car dealership is not losing the car (they never sell all of their stock in any given year) and they will make money from the sales

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you make, they are in a win/win situation just as you are. They will be more than happy to make a deal like this. If, per chance, they sell the car you are driving (perhaps someone wanted just that color delivered tomorrow) you will simply get a new car a few months sooner! You will always have a new vehicle to drive. You can save thousands of dollars by buying your car in Europe! Cars in Europe can be bought built to U.S. environmental and safety standards and will cost you considerably less than the same exact model built in the U.S. European sales tax, which can be quite high - as much as 30% - is not charged to cars bought by Americans.

Consider the following example:'” A Mercedes 300E in Baltimore costs $37,322 plus $1,866 for Maryland state sales tax for a total of $39,188. The same car in Europe costs $35,500 plus $1,030

import duty. It will cost an additional $500 to ship to this country for a total cost of $37,030. You have saved

$2,158.

Plus

if you

purchase

the vehicle

at the

beginning of a European vacation, you can use the car for transportation for your entire trip and save the cost of renting a car. The following European dealers handle cars built

to U.S. specifications:’”' SHIPSIDE TAX FEE WORLD ON WHEELS B.V., Shipside Buildings, Kruisweg 631, P.O. Box 430, 2130 AK Hoofddorp, The Netherlands; U.S. tel. 201-8180400. This company operates showrooms and delivery centers at airports in Amsterdam and Brussels. It offers a large selection of makes and models. A free catalog is available upon request.

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CARS OF COPENHAGEN, Vodroffsvez 55, DK-1900, Copenhagen, Denmark, tel (45-3) 5-37-7 800. ICZOVITZ TAX-FREE CARS, Claridenstrasse 36, Ch8027 Zurich, Switzerland. This company sells the following makes built to U.S. specifications: Audi, Mercedes, Saab, Volvo, and Volkswagen.

Free Airline Passage Cars are not the only mode of transportation that can help you save money. One of the best kept secrets of the corporate world is the path of the international courier! International corporations will pay your way to Rome, London, Zurich, and other major cities of the world if you agree to carry time-sensitive business documents for them. These documents may be files or computer disks and are entirely legal. One drawback is that you will only be able to have carry-on luggage. Another is you may not have a great deal of notice. Just as there may be an occasional unexpected trip, many couriers can plan their travel to both the places they want to go and the times they want to travel. At times, you may only be able to get a discounted ticket, but this system will save approximately 70% the normal cost of a ticket. More and more businesses are using courier services. Why a courier? First of all, when packages or documents are shipped in the traditional fashion, they may be held for days at customs. When the materials are carried by a courier, the documents clear customs within minutes of landing at the airport, the same as any other passenger’s luggage. Secondly, the documents generally arrive on time.

When shipped conventionally, freight may be delayed

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if other cargo is deemed more important. Companies may only find out that the shipment was delayed when they receive a call from the other end looking for the paperwork. By that time, it’s already too late! To find a courier service, you can look in the Yellow Pages under "Air Courier Services." Call each company listed and find out if they use free-lance couriers and if they provide free or discounted tickets. Another way to start is to contact Now Voyager, 74 Varick Street, Room 307, New York, NY 10013, 212-

431-1616.’ This is a large courier service that deals with a lot of different freight companies and uses a lot of free-lance couriers. Call between 6 p.m. and 11:30 a.m. to hear a tape recording detailing all available flights and prices. Call back in the afternoon to book your flight! Here is a list of other courier services that use

free-lance couriers:'”’ AIRHITCH, 2790 Broadway, Suite 100, New York, NY 10025; 212-864-2000

COURIER NETWORK, 295 7th Avenue, New York, NY 10001; 212-691-9860 HALBART EXPRESS, 147-05 176th Street, NY 11434; 718-656-8279 or 718-656-8189

Jamaica,

INTERNATIONAL COURIER TRAVEL, 5757 W. Century Blvd., Suite 700-26, Los Angeles, CA 90045; 505-758-7911 TNT-SKYPAK, 38 E. 29th 10003; 212-532-5777

Street,

New

York,

NY

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WORLD COURIER, 137-42 Guy R. Brewer Blvd., Jamaica, NY 11434; 718-978-9552 or 718-978-9400 Additional information on this system can be found in the following books: Air Courier Bargains by Kelly Monaghan Inwood Training Publications Box 438 New York, NY 10034-9959 Cost: $14.95 Fly There for Less by Bob Martin TeakWood Press 160 Fiesta Drive Kissimmee, FL 34743 Cost: $8.95

INSURANCE AND MEDICAL SAVINGS There is much concern about the rising costs of hospitalization and medical care. Until the administration comes up with an effective plan, insurance and medical expenses will continue to eat away a large chunk of any money that we acquire. Here are some techniques to minimize the dollars that are spent on these high cost items. It’s possible to get a 1,000,000 life insurance policy with no cash! Contact: Bridge Capital Corporation, 140 Mineola Blvd., Mineola, NY 11501.'% This particular company promises to place life

insurance

policies

with

nationally-recognized

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companies in exchange for surplus inventory, services, stocks, bonds, etc. You pay NO cash. Here are some additional tips that will help save

you money on insurance premiums:!”

OlInstead of buying conventional medical insurance, join a Health Maintenance Organization (HMO). These organizations cover most expenses with a low or no deductible. They emphasize preventive medicine, long-term diagnosis, and regular checkups for its members. The only drawback is that you may have to use the doctors that participate in the HMO and/or you may be restricted to the location of the HMO. Most HMO’s have contingencies if you are vacationing out of the area, of course. O Many insurance companies offer a discount if you have installed a fire or burglar alarm in your home. Smoke detectors also may be eligible for a special discount. © Buying car insurance through a mail order insurance company is usually cheaper than buying car insurance through an agent. The name of one such mail-order company is: Wausau Insurance Companies, 11975 Westline Drive, St. Louis, MO 63141. © Don’t buy travel insurance at the airport. If you want insurance, purchase it before your trip from an independent insurance agent.

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© Be sure that you take all the deductions you are entitled to take on your automobile insurance. The following chart shows some standard

discounts that you may be eligible for:'”° Deduction Good student Carpool to work Wearing seatbelts Anti-theft alarms Female, aged 30-64 Senior citizen Farmer Safe driver Multiple car discount

Discount 25% 15%-20% 10%-30% 5%-15% 10% 5%-15% 10%-30% 5%-15% 5%-25%

Free Medical Services Seventy-five cities across the United States have General Clinical Research Centers. These centers are normally associated with Medical Universities and are funded by grants from the Public Health Service. These centers conduct assorted forms of medical research. If you have an illness, such as diabetes, for example, you can often get free treatment just by being willing to answer questionnaires and have your blood pressure and sugar levels checked regularly. The research is safe and often some payment is made for the time you spend at the clinic. This is especially true if you are a member of the "healthy" control group. You will get a free medical checkup and free medicines if you need them. Everything is always explained clearly and precisely so that you are never subjected to anything that would make you feel uncomfortable.

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These centers do remarkable research and are staffed with dedicated, caring individuals. Free clinics also abound in many areas if you know where to look. Most fairs and community events have "free blood pressure" checks. Hearing aid companies provide free hearing tests. Senior centers often have visiting nurses come once a month to check on any members. Immunization clinics are held for toddlers and newborns. If you have school-age children, the schools will often provide free nursing services and immunizations if you request them. All of these services are free of charge and it is usually not necessary for you to show financial need. In fact, these services are usually so underutilized that the professionals who run the clinics are thrilled to see anyone using their services. Most people simply do not know they exist or feel that they don’t qualify for the services, not realizing that no qualifications are necessary. You can obtain information about these services by checking the local newspapers, looking in the telephone book under Public Health and Health Education, or by calling a local district health center and asking for information about free clinics.

FREE FOOD "New Jersey housewife purchases $32 worth of groceries. Only pays $3.00 at register!" "32¢ for $80 worth of groceries - bought by a woman in Brewster, N.Y." "A Yonkers, NY woman bought over $130 worth of

food and groceries. Her total cost was only $7.07."

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These recent headlines’ illustrate that free food is within the means of every family in America. How did these families receive "free food?" Simply by taking advantage of the fact that many food and drug manufacturers are anxious for you to try their products and are even willing to pay you to do so. These companies offer cents off coupons, manufacturer rebates, and free merchandise of all sorts.

Here are some strategies that will help to save you up to $2,000 every year on your grocery bill: e

Look for grocery stores offering "double coupons." If you have a $.75 coupon, for

example, the store will honor it for $1.50. e

Buy only brand name items - not generic. Only brand name products offer rebates and incentives.

¢

Save all parts of the packaging for rebates - even if none is offered at the moment. Buy products when they are on sale. That way when a rebate offer is extended you will not have to buy the product at a higher price.

s

Comparison shop at all the local grocery stores. Check the newspaper for extra coupons and money-saving specials.

+

Buy specials in quantity.

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Combine techniques for extra savings. When a product is on sale, use the double back coupons. Save the packaging for a rebate offer. Subscribe to a good refund magazine. One of the better magazines is: The American Coupon Club, Inc., P.O. Box 1149, Great Neck, NY 11023.

If you are a senior citizen, additional free food can be received from the government. Most communities offer free government "surplus" to any senior citizen. The dates of the "give aways" are advertised on the radio and in the local newspapers. The government gives away consumable items that they can no longer store. These usually include items such as cheese and honey. Five pound blocks of cheese are given to each senior. The cheese can be frozen so it is well worthwhile to get. The honey can also be stored for quite a while as large jars are usually given out. Another way to save on your grocery bill is to shop at the "Member’s Warehouses" that are gaining popularity across the country. Popular clubs such as Sam’s, Costco’s, Pace Warehouse and BJ’s offer wholesale prices to their members.

FREE LAND Just as the United States Government was willing to give you free grant money as well as money to start you in any number of businesses, the government also wants to give you free (or almost free) land! There are two government programs that allow you to acquire free land in the U.S.

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Stake Your Claim! The first of these programs has its origins in the "Wild West." In 1872, Congress hoped to encourage settlement of the west. To this end, they passed a "finders keepers" mining law. This law gave any citizen the right to make claim to federal land

provided there were valuable minerals to be mined.*”° This law is still applicable to approximately 200 million acres in 42 states. The land actually sells at 1872 prices - between $2.50 and $5 an acre. Any U.S. citizen or corporation can locate a mining claim. Six steps must be accomplished before the mining patent will be granted that will give you a fee

simple title to the land. This six steps are as follows:'” 1.

Locate the land that you want. Find out where these areas are located by writing to the government of the state where you wish to stake your claim. Request a free copy of the brochure entitled "Mining Claims and Sites on Public Domain Lands."

2.

Next, file the specified forms and applications with the local bureau of land management. The government has a pamphlet designed to walk you through the paperwork called "Regulations Pertaining to Mining Claims Under the General Mining Laws of 1872." Some of the forms to be completed include: a notice of intent to hold the land, the mineral patent application, and a new location notice.

3.

Step three will be to pay the filing fees. The charges for filing these forms will vary greatly

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depending the state you are in. For example, filing

in Arizona

may

only run

$300 but filing in

Arkansas may run $1,500.

4.

Now you must "stake your claim." This involves hammering in a corner post on the four corners or boundaries of your claim and posting, in a conspicuous spot, notice of your intentions. A "notice of intent to patent" must also be placed in a local newspaper under the classified ad section for 60 days.

5.

It is now time to establish the value of your "discovery." You have to show that there are, in fact, mineral deposits of value on your claim. The land management bureau will be able to tell you what is considered valuable. For example, asbestos

does have value while quartz does not. You can hire a geologist to do geological and geophysical surveys. It is allowable for the assessment of your claim to take quite a long time. There are over one million mining claims pending right now. To maintain your interest in the site, you must make a minimum of $100 worth of improvements on the land every year until you can actually prove the presence of minerals. 6.

The last step in the procedure is to confirmation. If you have accurate surveys prove the existence of minerals, and ask confirmation, then a federal mineral examiner be called in to confirm your "discovery."

get that for will

504

Free Money At this time, if the examiner rules in your favor, then you will be granted the mining patent. If, for some reason, the claim is denied, you have the right of appeal to the local Interior Board of Land Appeals.

This six step process will take at least two years to go through. It is very important that you follow the rules exactly as listed in the pamphlets. Adhere strictly to filing deadlines and codes. Any errors can invalidate your claim. Free Land in Alaska In addition to the "finder’s keepers" program for miners, a number of states and territories established Homestead programs to encourage settlement in the early days of our country. These programs gave away thousands of acres of free land to adventurous pioneers who were willing to settle the frontier. Today, only the Homestead program of Alaska remains functioning. There are three qualifications to be eligible for this program. You must: 1. Be over 18 years of age 2. Bea U.S. citizen 3. Have established a state residency for 1 year The Homesite program consists of five-acre parcels of land that are already surveyed and are part of an existing or planned rural community. If you are interested in a particular parcel, you must file an application and pay a non-refundable $10 fee. After your application has been accepted, you have five years on which to erect a permanent dwelling of at

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least 200 square feet. Within a seven year period after filing your application, you must have actually lived on the parcel for 35 months. After seven years, you will receive the legal title to your lot. Remember that this was a way to encourage ‘settlement’. The system is not for land speculators and care has been taken to ensure that the program is not used in such a way. While you may apply for as many parcels as you want, only one application per person will be granted. The applications are awarded by lottery. There are also certain restrictions in both the Homesite and the Homestead programs that govern the subsequent sale, leasing, and subdivision of these lands for five to 10 years after title is granted. The Homestead program is similar. Both programs are based on the premise that to obtain legal title, you only need build a house on the property and live there for some specified period of time. The land in the Homestead program is more remote than Homesite land and usually is not surveyed. The parcel sizes are considerably larger, averaging between 40 and 160

acres. The fee for filing is $5 per acre. At that rate, it would cost $800 to file for 160 acres. With the Homestead program you must build your home within three years and live on the site for 25 months out of five years. You receive title after five years. / If you are interested in this type of program, you can send for more information to: Alaska Department of Natural Resources Division of Land and Water 400 Willoughby Avenue, Suite 400 Juneau, AK 99801

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This program is in eminent danger of being discontinued due to state budget constraints and federal opposition to land giveaways. If you begin the process, it will take a minimum of five to seven years. Once your application has been accepted, however, the chances are excellent that your claim would be "“srandfathered" and honored even should the programs be abolished.

Free Farm Land This system is based upon the agricultural land preservation programs that have been initiated by both the state and federal governments to protect agricultural land and woodlands from urban development. In short, the government will pay you not to build or develop a particular piece of land. In many cases, you can buy a piece of land and receive almost the entire purchase price - or more! - in exchange for promising not to develop it! This does not mean, however, that the land has to be idle. It is perfectly acceptable to use the land as a woodlot, grow fruit trees, or raise horses on it. You may not particularly agree with this practice and may feel that the government is not acting wisely in this arena. However, the fact remains that the government is giving away this land and you might as well get your fair share. Basically what happens is that a _ governorappointed agricultural land preservation board will purchase a farm owner’s right to develop his land. These are called "easement rights.""”° For these rights, the board will pay the fair market value of the property less its agricultural value. The agricultural value is determined by the land’s capability of

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successfully producing viable agricultural products. Therefore, if you have owned the land for some time or, if the agricultural value is small, (the easement development rights could easily exceed your purchase price). Let me give you an example. You bought a piece of land to use strictly as a woodlot five years ago. You paid $1,200 for 1 acre. The land is now appraised at

$3,000. The land is not suitable for growing any agricultural products (although you still will be able to get your wood for your wood stove from the land!). Therefore, the government will purchase the easement

rights from you for $3,000. You will still own the land but you have now promised you will not build on it. You can still use the lot for the purpose you bought it for in the first place - namely as a woodlot. You have

made a profit of $1,800! The land is still yours and you can still save on your wood purchases! The requirements for participating in these programs are minimal. Usually, you simply need to be a U.S. citizen. It is not even necessary, in some cases, to be a full-time resident of the state in which the land is owned. As with all government programs, there is a plethora of paperwork. Here are some things that you should know about. First, if you don’t already own property, locate some land to purchase. Try to be sure that this land will qualify for the program. Preferably the land should already be near an existing land preservation district. The preliminary forms to fill out include a district agreement, property description and an application to sell the easement rights. The district agreement and

Free Money

508

the property description will need to be filed with the state’s Department of Agriculture. This formalizes your request to have your property included in an agricultural land preservation district. The property must meet minimum criteria established by the state’s preservation board. These requirements vary from state to state. Usually there is a minimum time period during which the land must be used exclusively for agricultural purposes. If large acreage is involved, you often are permitted a house and barn on one acre. After waiting the required time period, you then file an application to sell your development rights easement to the land preservation board. In addition to obtaining cash for preserving the land, you may also qualify during the waiting period for certain tax benefits. Quite often, all the property taxes will be waived. "In fiscal year 1990, the state of Maryland paid an average of $1,668 per acre for easement rights for farms in state while the acquisition cost to farmers averaged only $1,342 per acre. Farm owners were

actually paid to buy their farms!"!" The following are sources and contacts for U.S.

State Agricultural Preservation Programs:'” Connecticut: Farmland Preservation Program 165 Capital Avenue Hartford, CT

203-566-3227

06106

Free Products & Stuff

509

Maryland: Maryland Agricultural Land Preservation Room 104 50 Harry S. Truman Parkway Annapolis, MD 21401 301-841-5860 Massachusetts: Agricultural Preservation Restriction Program 142 Old Common Road Lancaster, MA 01523 508-792-7711

New Hampshire: Farmland Preservation Program Caller Box 2042 Concord, N.H. 03302-2042 603-271-3557 New Jersey:

Farmland Preservation Program State Department of Agriculture C.N. 330 Trenton, N.J. 08625

609-984-2500 Rhode Island: Farmland Preservation Program DEM Division of Agriculture 22 Hayes Street Providence, RI 02908

If you are interested in obtaining free Canadian land just for the asking write to either the Dept. of Land

510

Free Money

and Forest Parliament Bldg., Quebec City, Canada or to, Communication Group, 2630 Point Grey Road, Vancouver 8, British Columbia.

FREE ENTERTAINMENT All of us like to relax at times. Wouldn’t it be nice to have some free entertainment during those quiet moments of the day? Here are some ways to get free reading materials and free music to listen to. Free Subscriptions to over 100 Magazines If you like to read, there is no reason not to receive as Many magazines as you could wish for - ALL FREE! The best method of getting magazines is to ask for them. There are a large number of "Trade" magazines, journals, newsletters, and newspapers which are mailed absolutely FREE to interested parties. Check the reference section of the local library for a copy of Standard Rate & Data. This book contains lists of all the specialty publications and trade magazines. A notation indicating "Controlled Circulation" next to the entry indicates that the magazine is usually

distributed free of charge. If it looks like a field you may be interested in reading about, write to the magazine and ask them for a sample copy. At that point, the company will place your name on their mailing list and you will receive monthly mailings. Indicate interest in some aspect of the subject matter that the magazine carries when requesting the sample. The following magazines give sample copies and/or subscriptions which contain hundreds of business opportunities:

|Free Products & Stuff

511

WEALTH SECRETS THAT MAKE MILLIONAIRES, 8872 La Mesa Blvd., La Mesa, CA 92041 SUCCESS OPPORTUNITIES MAGAZINE, 4059, La Mesa, CA 92044-0940

P.O. Box

MONEY MAKING OPPORTUNITIES, 11071 Ventura Blvd., Studio City, CA 91604 SALESMAN’S OPPORTUNITY MAGAZINE, 405, 6N. Michigan, Chicago, IL 60602 MAKING PROFITS, 6255 Barfield Road, Atlanta, GA 30328

SPARE TIME MAGAZINE, 5810 Avenue, Milwaukee, WI 53219

W.

Oklahoma

The following magazines listed on the next page

also give free copies.'’* To receive your choice of these periodicals, type a request on letterhead asking to be placed on their mailing list to receive future copies. Some of these magazines are monthly, others only come out once a year. In order to continue your subscription, it will be necessary to re-submit the request every six to twelve months. To get some of the other newsstand magazines that do not offer free subscriptions, you can become a subscription agent. The Wholesale Magazine Subscription Catalog, McGregor Magazine Agency, Mount Morris, IL 61054 can give details on how to do this.

Free Money

512 ECONOMIC PERSPECTIVE Federal Reserve Bank of Chicago P.O. Box 834 Chicago, IL 60690

EXPORT MAGAZINE American Exporter and Industrial World Johnston Publishing 386 Park Avenue §S. New York, NY 10016

MINERAL INDUSTRY SURVEYS U.S. Bureau of Mines

ECONOMIC REVIEW Federal Reserve Bank of Cleveland Box 6387 Clevelend, OH 44101

Washington, DC 20240 BUSINESS EDUCATION WORLD Gregg Division McGraw-Hill Book Co. Princeton Road

Hightstown, NJ

08520

CARNATION Carnation Co. 5045 Wilshire Blvd. Los Angeles, CA 90036 TODAY’S OFFICE "Office World News" Hearst Publications 645 Stewart Avenue

Garden City, NY

11530

BUSINESS MARKETING Business Marketing Circulation Dept. 965 EK. Jefferson Avenue Detroit, MI

48207

DIRECTORY OF BUSINESS AND INVESTMENT SERVICES Select Information Exchange 2095 Broadway New York, NY 10023 IMPACT SPECIALTY CO. Free Catalogs 395 Monroe Circle S. Des Plaines, IL 60016

PUBLICATION AND WORKS IN PROGRESS Library Research Center University of Illinois 220 Armory Urbana, IL

61820

_ Free Products & Stuff

513

_ ALBERTA FACTS; ALBERTA STATISTICS REVIEW QUARTERLY Alberta Bureau of Statistics 7th Floor Sir Frederick

WARD’S BULLETIN Ward’s Natural Science Establishment, Inc. P.O. Box 92912 Rochester, NY 14692

W. Haultain Building

RURAL LIVING (free to Co-op members) Virginia Association of Electric Cooperatives P.O. Box 15248 Richmond, VA 23227

9811 109th Street Edmonton, Canada T5K

0C8 UNISYS ANNUAL REPORT 605 3rd Avenue New York, NY 10158 THE FREEMAN Foundation for Economic Education, Inc. Irvington on Hudson, NY 10533

MODERN OFFICE TECHNOLOGY 1100 Superior Ave. W. Cleveland, OH 44117 CONSOL NEWS Consolidated Coal Co. Consol Plaza

Pittsburgh, PA 15241 PPG PRODUCTS Kathleen Smith PPG Industries 1 PPG Place Pittsburgh, PA 15272

CANADA

TODAY

NEW YORK-FRANCENEW YORK French Cultural Services 40 W. 57th Street Suite 2100 New York, NY 10019

Canadian Embassy Office of Information 1771 N. St., N.W.

Washington, DC

20036

IFCO News Inter-Religious Foundation for Community Organization 402 W. 145th Street New York, NY 10037

Free Money

514 CONSERVATION NEWS (depends on membership) National Wildlife Federation 8925 Leesburg Pike Vienna, VA 22181 MARATHON WORLD Marathon Oil Co. 539 S. Main Street Findlay, OH 45840 BULLETIN Chevron Oil Co. of California 225 Bush Street San Francisco, CA 94120

FRIEND’S "Chevy Outdoors" 30400 Vandyke Warren, MI

48093

NATIONAL ECONOMIC TRENDS (plus six other publications, ask for the list) Federal Reserve Bank of St. Louis Box 442 St. Louis, MO 63166

GOLD BULLETIN Chamber of Mines 5 Holland Street

Johannesburg, South Africa

MEMO TO MAILERS U.S. Postal Service "Memos to Mailers" Washington, DC 20260 BRAZIL; BRAZILIAN BULLETIN Brazilian Government Trade Bureau 551 5th Avenue New York, NY 10017

STEINWAY NEWS John Steinway Steinway and Sons Steinway Place Long Island, NY 11105 SCHOOL PRODUCT NEWS (for school employees) School Products News 1100 Superior Avenue Cleveland, OH

44114

LAWN CARE Scotts 14111 Scotts Lawn Road Marysville, OH 03041

. Free Products & Stuff Bi-Monthly Bulletins available - Information Division

Dept. of External Affairs L.B. Pearson Bldg. Domestic Comm. Div. (BFC) Tower C, 2nd Floor 125 Sussex Drive Ottawa, Ontario Canada K1A 0G2

SUN Sun Oil Co. Corporate Public Relations Karen Higgins 100 Matsonford Road Radnor, PA 19087

615 OLD NEWS IS GOOD NEWS Utah Division of Aging and Adult Services 120 N. 200 W. Salt Lake City, UT 84102 CREATIVE IDEAS IN GLASS ASG Industries, Inc. Marketing Dept. c/o Mariann Decker P.O. Box 929 Kingsport, TN 37662

PAKISTAN AFFAIRS Embassy of Pakistan 2315 Massachusetts Ave., N.W.

NORELCO

REPORTER

Washington, D.C. 20008

Philips Electronic Instruments

750 S. Fulton Avenue Mt. Vernon, NY 10050

CALIFORNIA AGRICULTURE Mr. Dick Venne, Editor

CA Agriculture 2120 University Avenue Floor 7 UC Berkeley Berkeley, CA 94720

E.G. & G., INC. 45 Williams Street Wellesley, MA 02181

516

Free Money

Free Books If you prefer books over magazines, don’t worry: you can get all the books you want to read as well. Read several books currently on the best seller list. Write your opinion of the book in a concise format. Offer this opinion to your local newspaper for free. Newspapers are often looking for "fillers" for their pages. Day after day a newspaper must fill a large number of pages of print. In order to do this, the editors are receptive to as much free print as possible. Book reviews are very popular with readers. Be sure to have the local newspaper give you a by-line. There should be no problem with this. Most editors do not mind giving credit to the author of any piece. Indeed, it gets them off the hook if someone doesn’t like your particular opinion - the editor just says it is the opinion of the reviewer not necessarily the stand of the paper. Once you have become "published," send tearsheets to all major publishers and ask to be placed on their reviewers’ mailing list. YOU WILL RECEIVE A FREE COPY OF EVERY NEW BOOK PUBLISHED! If you are an avid reader, this will save you hundreds, if not thousands of dollars, each year. Not only that, but when you have finished with the books you can either have a tag sale, sell them to a used book dealer, or donate them to the local library or school for a deduction off your tax return! It may not make you rich but you will be earning money with items you normally would be spending money on! Not a bad system! Another way to get books at a substantial discount (up to 35% on new book purchases) is to contact:

-Free Products & Stuff

517

The Book Post 141 E. 44th Street

New York, NY

10017

Bookquick, Inc. 160 Eagle Rock Roseland, NJ 07068 If you particular thousands imaginable.

just want free information about a subject, the U.S. government publishes of books every year on every subject Write to: Superintendent of Documents Government Printing Office Washington, D.C. 20402

Free CDs With Compact Discs now becoming more popular than ever, there are several ways in which you can build an impressive CD library. There are many mail order CD clubs that advertise in magazines and newspapers. These clubs want you to join and will offer amazing deals to get your business. Go for the type of promotion that will offer a large number of CDs for a small price. For example, some clubs offer eight CDs for ninety-nine cents upon becoming a member. They may ask you to order two or more selections over a specific time period at full price. Sometimes, if you purchase the membership requirement at the time of joining, the club will further discount these CDs as well. When you average

Free Money

518

the price, it is usually an excellent deal and several of the CDs are free! Free Shows/Concerts Free shows and concerts can be found in just about any community if you are looking for them. Additional shows at extremely reasonable prices can also be taken advantage of. This is especially true in the summer. Free concerts are usually held mid-week at the town ‘green’ or center park. Check with the local Chamber of Commerce for any scheduled events. If you live near a University, the students will often hold free concerts and/or shows for the public. High schools often put on exceptional plays for a minimal charge. While mostly parents attend, the plays are open to everyone. Towns and cities, as well as community groups, hold parades, picnics, firework displays, and various competitions that are great entertainment and usually free. Be sure to read the Thursday or Friday papers that will announce events scheduled for the weekends.

OTHER FREE STUFF There’s lots of other things that you can get for free or at a greatly reduced cost. Any time you save money it is just like putting free money in your pocket. Every dime you save on expenses you can spend for luxuries. Here is some more free stuff: Free Furniture

One person I know received over $20,000 worth of free furniture with this method. They started a "Freebie Newspaper." Contact store owners and merchants who local in advertise normally

. Free Products & Stuff

519

newspapers, PennySavers, and similar publications. Tell them that you publish a "Freebie Newspaper" that is distributed in their locale. Offer to run their ad for free in exchange for merchandise. The newspaper does not have to be elaborate. Many computers have desktop publishing programs that will allow you to easily print this type of publication. Go to a printer and have several hundred copies run off. Place these copies in the local grocery stores, laundromats, general stores, and other locations where people normally pick up free papers. In time, you may be able to charge either for the ads that are placed or for the paper itself. Both methods have worked. A very popular paper in Connecticut, "Bargain News," runs free ads for anyone who calls in but charges $1.10 for the paper itself. Merchants are charged for "display ads." People want to buy the paper because there are so many good ads that it is well worth that minimal cost. They can save hundreds of dollars on their purchases. A similar Massachusetts paper charges the advertiser but distributes the paper for free. Again the advertisers want to be in the paper because so many people pick the paper up to look for bargains. This second scenario is best for the exchange program to work, although display ads can also be exchanged for furniture and/other merchandise.

Free Clothing Almost every church or civic organization has a supply of clothing that it will disperse for free to any needy family. Rummage sales and tag sales by these same organizations will allow you to pick up clothing

520

Free Money

at ridiculous prices. Most have brown grocery bags that you can fill for $1! Most of these articles are in excellent condition and range in a wide assortment of sizes. Indeed, even if you need to repair your own clothes, you can pick up clothing at these sales and use the zippers, buttons, buckles, etc. to fix your own clothes with. A zipper will cost you practically nothing while, to purchase a new

zipper, you would have to pay about $2.00. Free Cigarettes While cigarette smoking is fairly unpopular these days, for smokers it has also become very expensive. With proposed new taxes aimed squarely at smokers, this method of obtaining free cigarettes should certainly help any smoker’s budget. Write to any large tobacco company. Address the letter to the attention of the Product Development Department. Tell them that you would be happy to evaluate new brands and mixes at home. Most large tobacco companies are eager to find willing parties to test their products. Cigarettes will arrive at monthly intervals. Obviously, in order to maintain a supply of free cigarettes, you must be willing to fill out the accompanying evaluation form and/or write an opinion of the product. You will need to be at least eighteen years of age, and you will probably have to sign a declaration absolving the company from blame should you contract some smoking-related disease.

CONCLUSION

Free Money

O22

CONCLUSION You have now come to the end. Sit back and reread any portions that you need to. Be sure you have a clear understanding of exactly how to obtain the start-up capital needed to start the venture of your choice. Free Money Options You have been presented with several separate and unique options of financing your entrepreneurial aspirations. 1)

Acquire the money you need via grants, either from private foundations or from the government.

2)

Let the Small Business Administration (SBA) help you to get your business started. They will not only help to finance your business but will also provide training and expertise in all business matters.

3)

Do business with the government. Make Uncle Sam your number one customer. Invest overseas and let the government pay you to take your business to foreign countries.

4)

Obtain free money from the government that is "unclaimed" in state treasuries.

Conclusion

5)

526

Let Pase show you how to obtain venture capital without the worry of dealing with paperwork and bureaucracies. Pase will not only show you how to make the money you need, but you will also learn how to keep it!

Any one of these methods can be used to spell S-U-C-C-E-S-S and bring you riches beyond your wildest dreams! It is now time to make a decision. The roadmap is in your hands and Pase has provided the vehicle to get you to the finish line. Now you must decide to step on the gas and drive. Trade five minutes of your time today and decide what plan of action you wish to pursue. These five minutes of ACTION will translate to a lifetime of financial rewards. It will be the best trade you will ever make in your life! If you would like to get started on the Pase Path right away call (708) 844-9704 (Monday thru Friday 8:30 am - 5:00 pm Central Standard Time). The choice is yours: you can either work for your free money or you can get on the Pase Path to free wealth.

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ENDNOTES

Endnotes

525

ENDNOTES ah. David Buckley, The Poor Man’s Way to Riches, vol. 2, (San Diego, CA: Lion Publishing Co., 1988), p. 62.

2,

Ibid., p. 62.

3. McDowell Publishers, The Source Book...for the Great American Cash Giveaways, (Diamond Bar, CA: Financial Publishers, 1992), pp. 40-72. 4. Laurie Blum, Free Money for Small Businesses and Entrepreneurs, (New York: John Wiley and Sons, inc, 1992),:p:.10.

5, David Bendah, Great Broker Manuals: Procedure Manual, (San Diego, CA: National Publications, 1991), pp. 42-52. 6. David Buckley, The Poor Man’s Way to Riches, vol. 1, (San Diego, CA: Lion Publishing Co., 1988), p. 41 and vol. 2, pp. 62-72.

gia Tim Darth, How to Get Free Grants from the U.S. Government, (San Diego, CA: National Publications, 1991), p. 40. 8. David Bendah, Grant Broker Manuals: Special Grant Approved Firms Manual, (San Diego: National Publications, 1991), p. 3.

Free Money

526 9:

Ibid., p. 5.

10.

Ibid., p. 6.

11.

= Ibid., p. 4.

12.

Ibid., p. 7.

ISS

uibidspa8:

14.

Ibid., p. 4.

15.

Ibid., p. 13.

16. Tim Darth, How to Get Free Grants from the U.S. Government, (San Diego, CA: National Publications, 1991), pp. 41-55.

17. Lloyd Sanders, The Complete Guide to Getting Free Grants & Low-Interest Loans, (San Diego, CA:

National Publications, 1991), pp. 10-27. 18. Online America December 31, 1992.

Information

Line,

accessed

19. Matthew Lesko, Getting Yours: The Complete Guide to Government Money, 3rd ed., (New York: Penguin Books, 1987), p. vii.

20.

Ibid., p. viii.

Endnotes 21.

527

Joseph Wright, Insight Cash: How to Get Free

Money, (San Diego, CA: National Publications, 1989), p. 20. 22. Matthew Lesko, Government Giveaways _for Entrepreneurs, (Kensington, MD: Information USA, Inc., 1992), p. 8.

23. David Bendah, Grant Broker Manuals: Procedure Manual, (San Diego, CA: National Pub-

lications, 1991), p. 5. 24. Tim Darth, The Secret of Getting Free Money, (San Diego, CA: Lion Publishing Company, 1989), pp. 195-196.

25. Lloyd Sanders, The Complete Guide to Getting Free Grants & Low-Interest Loans, (San Diego, CA: National Publications, 1991), pp. 49-52. 26. Matthew Lesko, Getting Yours: The Complete Guide to Government Money, 3rd ed., (New York: Penguin Books, 1987), p. xiii.

27. Lloyd Sanders, The Complete Guide to Getting Free Grants & Low-Interest Loans, (San Diego, CA: National Publications, 1991), pp. 126-133.

28. Tim Darth, The Secret of Getting Free Money, (San Diego: Lion Publishing Co., 1989), pp. 23-24.

29.

Ibid., pp. 43-44.

Free Money

528

30.

Ibid., pp. 50-51.

31. Jim Banks, Banking Systems, Book 3, (San Diego, CA: National Publishing, 1991), p. 98. 32. Small Business Administration December 31, 1992.

BBS, accessed

33. Patrick D. O'Hara, A Step-by-Step Guide to SBA Loans, (New York: John Wiley & Sons, 1989), p. 95.

34. Gustaz Berle, SBA Hotline Answer Book, (New York: John Wiley & Sons, Inc., 1992), p. 13. 35. Financial Success: Money Making Reports, (San Diego, CA: National Publications, 1991), p. 82. 36. Jim Banks, Banking Systems, Book 2, (San Diego, CA: National Publications, 1991), p. 82.

37.

Gustav Berle, SBA Hotline Answer Book, (New

York: John Wiley & Sons, Inc., 1992), p. 145.

38.

Ibid., p. 13, 145.

39. Lloyd Sanders, The Complete Guide to Getting Free Grants & Low-Interest Loans, (San Diego, CA: National Publications, 1991), p. 45.

40.

41.

Ibid., p. 45.

Ibid., pp. 45-46.

Endnotes

529

42. Jim Banks, Banking Systems, Book 3, (San Diego, CA: National Publications, 1991), pp. 98-99.

43. Patrick D. O’Hara, A Step-by-Step Guide SBA Loans, (New York: John Wiley & Sons, 1989), pp. 14-15.

44,

Ibid., p. 16.

45. David Buckley, The Poor Man’s Way to Riches, vol. 1, (San Diego, CA: Kion Publishing CO., 1988), p. 38.

46. George F. Strong, Getting the Government to Pay for Your New Business, (San Diego: National Publications, 1990), p. 141. 47. Lloyd Sanders, The Complete Guide to Getting Free Grants & Low-Interest Loans, (San Diego, CA: National Publications, 1991), p. 65. 48.

Ibid., pp. 67-73.

49. David Bendah, Cashing In On Free State Government Money, (San Diego, CA: National Publications, 1990), pp. 143-144.

50. Patrick D. O’Hara, A Step-by-Step Guide to SBA Loans, (New York: John Wiley & Sons, 1989), p. 6. 51. Matthew Lesko, Government Giveaways _for Entrepreneurs, (Kensington, MD: Information USA, Inc., 1992), pp. 5-7.

Free Money

530

Patrick D. O’Hara, A Step-by-Step Guide to SBA 52. Loans, (New York: John Wiley & Sons, 1989), pp. 136-137. 53. Small Business Administration BBAS, accessed December 31, 1992.

54.

Ibid.

55. Small Business Administration January 6, 1993.

56.

BBS, accessed

This list was compiled from:

Jim Banks, Banking Systems, Book 3, (San Diego, CA; National Publications, 1991), pp. 119-121. David Bendah, Cashing In on Free State Government Money, (San Diego: National Publications, 1990), pp. 123-139. 57. David Bendah, Million Dollar Contract from Uncle Sam, (San Diego, CA: National Publications, 1991), p. 1.

58.

Ibid., p. 4.

59. = Ibid., p. 3. 60. 61.

Ibid., p. 5. Ibid., pp. 21-31.

|‘Endnotes

531

62.

Ibid., p. 9.

63.

Ibid., p. 10.

64.

Bill Kerth, Cashing In On Government Money,

(San Diego, CA: Lion Publishing Company, 1987), pp. 94-95. 65. David Bendah, Million Dollar Contract from Uncle Sam, (San Diego, CA: National Publications, 1991), p. 14. 66. Steve Lockman, The Free Money Book, (Escondido, CA: Profit Ideas, 1990), p. 79.

67. George F. Strong, Getting the Government to Pay For Your Business, (San Diego, CA: National Publications, 1990), p. 378.

68.

"Taxpayers Foot Bill - Big Firms Get Profits",

Star, 30 June 1992, p. 10.

69. David Bendah, Million Dollar Contracts from Uncle Sam, (San Diego, CA: National Publications, 1991), p. 32. 70. Patrick D. O’Hara A Step-by-Step Guide to SBA Loans, (New York: John Wiley & Sons 1989), pp. 218-229. 71.

David

Bendah

Million

Dollar

Contracts

Uncle Sam, (San Diego CA: National 1990), p. 34.

from

Publications

Free Money

532 72.

Ibid., p. 35.

qo...

Libids p. 36.

74. David Bendah, The $25 Billion Treasure: Get Your Share of Unclaimed Government Money, (San

Diego, CA: Lion Publishing Co. 1987), p. 7. 75. Steve Lockman, The Free Money Book, (Escondido, CA: Profit Ideas, 1990), p. 13.

76.

Ibid., pp. 151-156.

77. Steve Lockman, The Free Money Book, (Escondido, CA: Profit Ideas, 1990), p. 13.

78.

Ibid., pp. 15-40.

79.

Ibid., p. 6.

80.

Ibid., pp. 6-12.

81. Matthew Lesko, Getting Yours: The Complete Guide to Government Money, 3rd ed. (New York:

Viking Penguin Inc., 1987), pp. 123-124. 82. McDowell Publishers, The Source Book...for the Great American Cash Giveaways, (Diamond Bar, CA: Financial Publishers, 1992), p. 79.

83. Steve Lockman, The Free Money Book, (Escondido, CA: Profit Ideas, 1990), p. 70.

| ]

‘Endnotes

533

| 84. McDowell Publishers, The Source Book...For the _ Great American Cash Giveaways, 1992 edition. (Diamond Bar, CA: Financial Publishers, 1992), p. 4. 85.

—Ibid., p. 5.

86.

Ibid., p. 6.

87.

Tbid., pp. 22-34.

88. Bill Kerth, Cashing In On Government Money, (San Diego, CA: Lion Publishing Company, 1987), 39. 89.

90.

Ibid., p. 41.

Ibid., pp. 43-45.

91. McDowell Pabtieners: The Source Book...for the Great American Cash Giveaways, (Diamond Bar, CA: Financial Publishers, 1992), pp. 9-13.

92.

Ibid., pp. 13-22.

93. Steve Lockman, The Free Money Book, (Escondido, CA: Profit Ideas, 1990), p. 70.

94. Robert Lefferts, Getting a Grant in the 1990s’, (New York: Prentice Hall Press, 1990), pp. 221-228.

95. Laura Bernstein, ed. Wealth Angles, (Baltimore, MD: Agora, Inc., 1991), p. 28.

Free Money

534

David Shamy, The Loan Consultant, (Salt Lake 96. City, Utah: Shamy Investment Systems, 1986), p. 25. 97.

Financial Success: Money Making Reports, (San

Diego, CA: Lion Publishing Company, 1988), p. 42. 98. Laura Bernstein, ed. Wealth Angles, (Baltimore, MD: Agora, Inc., 1991), p. 82. 99. Robert and Linda Kalian, A Few Thousand of the Best Free Things in America, (Yonkers, NY: Roblin Press, 1985), p. 85. 100. Laura Bernstein, ed. Wealth Angles, (Baltimore, MD: Agora, Inc., 1991), pp. 209-210.

101. Ibid., pp. 210-211. 102. Ibid., p. 196.

103. Ibid., p. 196. 104.

Financial Success: Money Making Reports, (San

Diego, CA: Lion Publishing Company, 1988), p. 53.

105. Ibid., p. 38. 106. Laura Bernstein, ed. Wealth Angles, (Baltimore, MD: Agora, Inc, 1991), p. 245. 107. Robert and Linda Kalian, A Few Thousand of the Best Free Things in America, (Yonkers, NY: Roblin

Press, 1985), p. 95.

Endnotes

535

108. Laura Bernstein, ed., Wealth Angles, (Baltimore, MD: Agora, Inc, 1991), p. 67.

109.

Ibid., pp. 68-69.

110.

Ibid., p. 73.

111.

Ibid., p. 75.

112.

Ibid., pp. 76-77.

113. David Buckley, The Poor Man’s Way to Riches, vol. 2, (San Diego, CA: Lion Publishing, Co., 1988), pp. 74-77.

BIBLIOGRAPHY

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‘Bibliography

537

BIBLIOGRAPHY Banks, Jim. Banking Systems. Book 3. San Diego, CA: National Publications, 1991. Bendah, David. Cashing In on Free State Government Money. San Diego, CA: National Publications, 1990. Bendah, David. Grant Broker Manuals: Million Dollar Grant Sources. San Diego, CA: National Publications, 1991. Bendah, David. Grant Broker Manuals: Procedure Manual. San Diego, CA: National Publications, 1991.

Bendah, David. Grant Broker Manuals: Special Grant Approved Firms Manual. San Diego, CA: National Publications, 1991. Bendah, David. Million Dollar Contracts from Uncle Sam. San Diego, CA: 1991. Bendah, David. The $25 Billion Treasure: Get Your Share of Unclaimed Government Money. San Diego,

CA: Lion Publishing Company, 1987. Berle, Gustav. SBA Hotline Answer Book. New York: John Wiley & Sons, Inc., 1992.

Bernstein, Laura, Ed. Wealth Angles. Baltimore, MD: Agora, Inc., 1991.

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Blum, Laurie. Free Money for Small Businesses_and Entrepreneurs. 3rd Ed. New York: John Wiley & Sons,

Inc., 1992.

Buckley, David. The Poor Man’s Way to Riches. Vol. 2. San Diego, CA: Lion Publishing Company, 1988. Collins, Eliza G.C. and Mary Anne Devanna. The Portable MBA. New York: John Wiley & Sons, Inc., 1990. Darth, Tim. Government. 1991.

How to Get Free Grants from the San Diego, CA: National Publications,

Darth, Tim. The Secrets of Getting Free Money. San Diego, CA: Lion Publishing Company, 1989. Darth, Tim. The Secrets of Getting Free Money. Book 1. San Diego, CA: National Publications, 1991. Darth, Tim. The Secrets of Getting Free Money. Book 2. San Diego, CA: National Publications, 1991. Financial Success:

Money Making Reports.

San Diego, CA, Lion Publishing CO., 1988.

Green, John, Free Stuff. Boulder, CO: Paladin Press, 1992.

Gregory, H. Finding & Keeping Customers: A Small Business Handbook. Sedro-Woolley, WA: Pinstripe Publishing, 1988.

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Harper, Stephen C. The McGraw-Hill Guide to _ Starting Your Own Business. New York: McGraw-Hill, Inc., 1991. Howard, Alton. Money Grow$ on Tree$. West Monroe, LA: Howard Publishing Co., Inc., 1991.

Kalian, Robert and Linda Kalian, A Few Thousand of the Best Free Things in America. Yonkers, NY: Roblin Press, 1985.

Kerth, Bill. Cashing In on Government

Money. San

Diego, CA: Lion Publishing Company, 1987. Kerth, William. $100,000 Refunds from U.S. Diego, CA: Lion Publishing Company, 1988.

San

Lefferts, Robert. Getting a Grant in the 1990’s: How to Write Successful Grant Proposals. New York: Prentice Hall Press, 1990. Lesko, Matthew. Getting Yours: The Complete Guide to Government Money. 3rd Ed. New York: Penguin Books, 1987. Lesko, Matthew. Government Giveaways for Entrepreneurs. 3rd Ed. Kensington, MD: Information USA, Inc., 1992. Lockman, Steve. The Free Money Book. Escondido, CA: Profit Ideas, 1990.

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McDowell Publishers. The Source Book...For the Great American Cash Giveaways. 1992 Edition. Diamond

Bar, CA: Financial Publishers, 1992.

O’Hara, Patrick D. A Step-by-Step Guide: SBA Loans. New York: John Wiley & Sons, 1989. Online America information line, accessed December 31, 1992.

Sanders, Lloyd. The Complete Guide to Getting Free Grants and Low-Interest Loans. San Diego, CA: National Publications, 1991.

Shamy, David F. The Loan Consultant. Salt Lake City, UT: Shamy Investment Systems, 1986. Small Business Administration BBS, December 31, 1992, January 6, 1993.

accessed

Storey, John M. Starting Your Own Business: No Money Down. New York: John Wiley & Sons, 1987. Strong, George F. Getting the Government to Pay for Your New Business. San Diego, CA: National Publications, 1990.

Wright, Joseph. Instant Cash: Getting FREE GRANTS. San Diego, CA: National Publications, 1988.

Wright, Joseph. Instant Cash: How to Get Free Money. San Diego, CA: National Publications, 1989.

APPENDIX A

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APPENDIX A: GLOSSARY Grant Terminology As in any trade, there are certain "industry" words that it is a good idea to become familiar with. Granting agencies have developed their own "language" and expect someone asking for money to know what they mean by certain terms. The following

list should help: Annual Report - A report published once a year by foundations describing their financial status, grant awarding practices, and what has been accomplished in the past year. Applicant funds.

-

The individual or organization seeking

Awarding Agency

- The grantor.

Award Notice - The formal notification from the grantor that funds have been awarded. The specific amount of the award and any monetary restrictions are spelled out in the award notice.

Budget - A major part of a grant proposal in which all proposed expenditures are itemized. Budget Period - The specific dates that a project is funded for, usually a twelve-month period.

| : ‘Appendix A

543

Construction Grant - A granting of money to be used only for the construction of or renovation of a physical structure.

Contract The title page that you sign is a commitment to fulfill the promises made within the grant proposal. Sometimes an additional legal document, a contract, is required dealing with the work to be performed, products to be delivered, time schedules, financial arrangements, and accountability.

Contractor - Individual or organization under a contract to the grantor to perform certain specified work. Corporate Foundation - A foundation separated from the parent company. The grant monies awarded come from the main corporation but the foundation itself is a separate entity. The entire grant process is the business of the foundation. Cost Proposal Separate portion of the grant proposal dealing only with the budget, financial, and business aspects of the project. Direct Assistance A direct assistance grant furnishes supplies, personnel and/or equipment in lieu of cash.

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Direct Costs - These are the actual expenses of the grant as opposed to “indirect costs." Direct costs include salaries, fringe benefits, supplies, travel, equipment, publications, and other similar types of line items. FAPRS - Federal Assistance Program Retrieval System. This computerized database supplies local communities with information on federal grants. Federal Register - This is a daily publication, printed by the U.S. government, reporting the rules and regulations governing various programs.

Fellowship - This is a special type of grant awarded to an individual training to raise his or her level of competence in a particular field of study. Fringe Benefits - This is the amount of salary set aside by the employer for various employee benefits such as vacation time, health coverage, social security,

and retirement. budget.

It is a separate

line item on the

GANTT Chart - Timetable in chart form outlining when certain activities in the grant proposal will be accomplished. Grant - A sum of money given by the government or a foundation to an individual or organization with an idea deemed worthy of receiving funds.

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Grantee - The individual or organization receiving the money from a grant award. Grantor The government or private awarding a sum of money to a recipient.

agency

Grants-management Officer - The person at the granting agency charged with overseeing the disposition of the grant award.

Guidelines The rules and regulations that a granting agency wants individuals or organizations to follow when requesting funding. The grant proposal should be structured to adhere to these guidelines. Indirect costs - Line items on the budget that are not readily identified as a direct expenditure for goods and services. If, for example, a non-profit organization must administer the grant for an individual, the cost of their fee would be considered overhead and would fall under indirect costs.

Loans - Money lent by a federal agency or a private lending institution for a specific period of time and with a reasonable expectation of repayment. Loans may or may not require payment of interest. They may or may not have to be secured by collateral. Loan Guarantees - In guarantee programs, a federal agency agrees to pay back a percentage of a loan to a private lender if the borrower defaults.

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Level of Effort - Estimated percentage of time each principal participant listed under personnel of the grant is expected to contribute to the program. 990-AR - Foundations must submit this form to the Internal Revenue Service and to the state Attorney General. It has similar content to the corporation’s annual report.

Principal Investigator

- Program director.

Prior Approval Any modifications to a grant proposal after the awarding of the monies needs "prior approval" from the granting agency to deviate from the original budget. Private Foundation - A non-profit organization that gives money in the form of grants to individuals and other organizations. Program Director - The person who is to be in charge of the grant. This individual is ultimately responsible for the proper management and fiscal accountability of the grant.

Program/Project Costs - Direct and indirect costs incurred in the disposition of a grant proposal. These costs are based on the approved budget, which may be a revision of the original budget submitted with the grant proposal.

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_ Program/Project Period. Total time over which the _ grant is to be expended. It is possible to have a five_ year program that needs an annual request for funds _ for the coming year. Proposal project.

-

Formal written request for funds for a

Research Grant - Monies given to support research. These types of grants are often given to universities doing medical research. RFA - Request for Applications. This is a formal announcement made by a funding agency inviting the submission of proposals. An RFA differs from an RFP in that no end product is specified. RFP -_ Request for Proposal. This is a formal announcement from a funding agency inviting the submission of proposals and_ specifying the requirements that the proposal must meet. The proposal must adhere to certain objectives, scope of work, work plan, administration, timing and reporting. An RFP usually results in a contract being awarded with the end result a specified product. Site Visit - This is a visit by the granting agency to the location of the submitter of a proposal. These visits usually occur when the premises play a vital role in the disposition of the project.

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Stipend - Payment to an individual as part of a larger grant proposal. This type of payment is usually part of a training or fellowship program.

Unobligated Balance - Monies left over at the end of a program/project period. For some reason or another not all the monies were spent. At the discretion of the grantor, the monies may need to be returned or may be carried over to the next funding period.

APPENDIX B

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APPENDIX B ALTERNATE READING SOURCES The following is a list of additional reading that may be beneficial for you. The list has been divided into subject matter so that you can concentrate on those areas that you feel you need the most help in. Money from the U.S. Government ENCYCLOPEDIA OF U.S. GOVERNMENT BENEFITS. Wm. H. Wise & Co. Inc., Union City, New Jersey. Massive hardcover book of over 1000 pages which tells you just about everything you need to know about your government benefits, loan sources and requirements. Business Ideas/How to Operate a Small Business:

Albert Kenneth. STRAIGHT TALK ABOUT SMALL BUSINESS. McGraw Hill, 1221 Avenue of the Americas, New York, N.Y. 10020. ENTREPRENEUR MAGAZINE. 2311 Pontius Avenue, Lost Angeles, CA 90064. EXTRA INCOME. 92025-9873.

IN BUSINESS 18049.

P.O. Box 3746, Escondido, CA

(Magazine).

Box 323, Emmaus,

PA

Kamoroff Bernard, CPA. SMALL-TIME OPERATOR: HOW TO START YOUR OWN SMALL BUSINESS,

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Appendix B

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551

_ KEEP YOUR BOOKS PAY YOUR TAXES & STAY OUT OF TROUBLE! Bell Springs Publishing, P.O. _ Box 640, Laytonville, CA 95454. This book is considered by many to be the best book available for the small business owner. Even though it is listed in the bibliography, I have repeated its inclusion here because it is so good. The book is only $12.95 and can be kept up to date. Every January a one-page update sheet is published listing any tax law changes in government regulations etc. The page is referenced to the corresponding pages in the book. This is a must for your desk!

MONEY MAKING OPPORTUNITIES. Blvd., Studio City, CA 91604.

11071 Ventura

SALESMAN’S OPPORTUNITY. Suite 1405, 6 North Michigan Avenue, Chicago, IL 60602. SCORE. Service Corps of Retired Executives. This group administered by the Small _ Business Administration provides free consulting to small businesses. Call 1-800-368-5855 for the location of the office nearest to you.

SMALL BUSINESS ADMINISTRATION. Office of Public Affairs, Room 926, 1441 L. Street NW, Washington D.C. 20416. There are many good pamphlets published by the SBA. "Starting and Managing a Small Business of Your Own" is one of the better ones. Many of these pamphlets are located in the reference section of your library. You can also call for a catalog. Their number is 202-653-6832.

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SPARE TIME. 5810 W. Oklahoma Avenue, Milwaukee, WI 53219.

SPECIALTY SALESMAN MAGAZINE. 6285 Barfield Road, Atlanta, GA 30328.

Motivational Books, Tapes, and Videos

(Most of these materials can be ordered through Nightingale-Conant Corporation, P.O. Box 845, Morton Grove, IL 60053-9923.) FORTUNE IN YOUR HEAD, by N. Russell Dock and William R. Sanderson. Boardman, New York. GETTING Bantam.

THINGS

DONE

by Edwin C. Bliss,

HOW WINNERS DO IT, by Michael Mercer, Audiocassettes.

GOALS, by Zig Ziglar Video POSITIVE ATTITUDE TRAINING, by Michael Broder Ph.D. audiocassettes. TAKE CHARGE audiocassettes.

OF

YOUR

LIFE,

by Jim

THE GREATEST SALESMAN, by Og Mandino.

Rohn

EPILOGUE

554

Free Money EPILOGUE

We all know it takes time to become successful in any endeavor. Securing free money is no different. This is the reason why our premium guarantee has a seven day money back guarantee. We want you to give our manual FREE MONEY an honest effort and we want to give you plenty of time. Take your time and approach each circumstance with poise and conviction. Above all, be dedicated and strive for your goals.

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